Alfin Banco S.A.

BVL:ALFINAC1 Stock Report

Market Cap: S/55.0m

Alfin Banco Past Earnings Performance

Past criteria checks 4/6

Alfin Banco has been growing earnings at an average annual rate of 24.3%, while the Banks industry saw earnings growing at 5.1% annually. Revenues have been declining at an average rate of 5.6% per year. Alfin Banco's return on equity is 3.1%, and it has net margins of 2.7%.

Key information

24.3%

Earnings growth rate

30.7%

EPS growth rate

Banks Industry Growth3.5%
Revenue growth rate-5.6%
Return on equity3.1%
Net Margin2.7%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Alfin Banco makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BVL:ALFINAC1 Revenue, expenses and earnings (PEN Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2414541130
30 Jun 2413701170
31 Mar 2413701200
31 Dec 2313801280
30 Sep 2314531360
30 Jun 2315771410
31 Mar 2315331460
31 Dec 22143-21470
30 Sep 22100-411480
30 Jun 2255-771470
31 Mar 2223-971440
31 Dec 211-1251480
30 Sep 2114-1191510
30 Jun 2142-991560
31 Mar 2193-771690
31 Dec 20130-531820
30 Sep 20162-351970
30 Jun 20193-212070
31 Mar 20197-182070
31 Dec 19204-92010
30 Sep 1921301980
30 Jun 1921101990
31 Mar 1921001980
31 Dec 1820821950
30 Sep 1820121870
30 Jun 1820031820
31 Mar 1819831780
31 Dec 1719531730
30 Sep 1719851740
30 Jun 17203101700
31 Mar 17207141680
31 Dec 16212141700
30 Sep 16213141660
30 Jun 16221141740
31 Mar 1622181840
31 Dec 15220101850
30 Sep 15228101870
30 Jun 1523171830
31 Mar 15242131810
31 Dec 14260171850
30 Sep 14261171940
30 Jun 14254201950
31 Mar 14248151940
31 Dec 13238111930

Quality Earnings: ALFINAC1 has a large one-off loss of PEN9.7M impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: ALFINAC1's current net profit margins (2.7%) are higher than last year (1.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: ALFINAC1 has become profitable over the past 5 years, growing earnings by 24.3% per year.

Accelerating Growth: ALFINAC1's earnings growth over the past year (44.8%) exceeds its 5-year average (24.3% per year).

Earnings vs Industry: ALFINAC1 earnings growth over the past year (44.8%) exceeded the Banks industry -8%.

Return on Equity

High ROE: ALFINAC1's Return on Equity (3.1%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 19:28
End of Day Share Price 2024/12/19 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Alfin Banco S.A. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution