Financiera ConfianzaA Past Earnings Performance

Past criteria checks 0/6

Financiera ConfianzaA's earnings have been declining at an average annual rate of -21%, while the Consumer Finance industry saw earnings growing at 13.5% annually. Revenues have been growing at an average rate of 1.4% per year. Financiera ConfianzaA's return on equity is 1.1%, and it has net margins of 1.5%.

Key information

-21.0%

Earnings growth rate

-21.1%

EPS growth rate

Consumer Finance Industry Growth	9.8%
Revenue growth rate	1.4%
Return on equity	1.1%
Net Margin	1.5%
Last Earnings Update	30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Financiera ConfianzaA makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BVL:FCONFIC1 Revenue, expenses and earnings (PEN Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	294	4	254
30 Jun 24	285	0	253
31 Mar 24	284	8	256
31 Dec 23	294	12	258
30 Sep 23	296	23	250
30 Jun 23	302	33	241
31 Mar 23	298	35	234
31 Dec 22	306	43	231
30 Sep 22	300	35	236
30 Jun 22	282	25	233
31 Mar 22	258	15	221
31 Dec 21	230	3	209
30 Sep 21	215	3	194
30 Jun 21	217	4	195
31 Mar 21	222	3	201
31 Dec 20	252	14	217
30 Sep 20	275	24	230
30 Jun 20	292	35	234
31 Mar 20	312	46	238
31 Dec 19	306	46	232
30 Sep 19	299	46	225
30 Jun 19	292	42	222
31 Mar 19	285	37	220
31 Dec 18	278	33	217
30 Sep 18	278	33	216
30 Jun 18	269	29	212
31 Mar 18	259	26	210
31 Dec 17	254	24	208
30 Sep 17	248	19	210
30 Jun 17	249	18	213
31 Mar 17	251	18	214
31 Dec 16	252	16	219
30 Sep 16	248	10	227
30 Jun 16	252	11	228
31 Mar 16	254	13	223
31 Dec 15	251	12	218
30 Sep 15	245	7	216
30 Jun 15	234	4	213
31 Mar 15	228	6	216
31 Dec 14	222	2	216
30 Sep 14	232	5	222
30 Jun 14	234	4	222
31 Mar 14	223	1	209

Quality Earnings: FCONFIC1 has a large one-off loss of PEN6.7M impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: FCONFIC1's current net profit margins (1.5%) are lower than last year (7.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: FCONFIC1's earnings have declined by 21% per year over the past 5 years.

Accelerating Growth: FCONFIC1's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: FCONFIC1 had negative earnings growth (-80.7%) over the past year, making it difficult to compare to the Consumer Finance industry average (10.5%).

Return on Equity

High ROE: FCONFIC1's Return on Equity (1.1%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/16 23:54
End of Day Share Price	2025/02/14 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

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 Github.

Analyst Sources

Financiera Confianza S.A.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.