Bank Alfalah Past Earnings Performance
Past criteria checks 5/6
Bank Alfalah has been growing earnings at an average annual rate of 30.4%, while the Banks industry saw earnings growing at 25% annually. Revenues have been growing at an average rate of 28.6% per year. Bank Alfalah's return on equity is 25.7%, and it has net margins of 25.6%.
Key information
30.4%
Earnings growth rate
33.5%
EPS growth rate
| Banks Industry Growth | 20.1% |
| Revenue growth rate | 28.6% |
| Return on equity | 25.7% |
| Net Margin | 25.6% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Bank Alfalah makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 172,767 | 44,265 | 5,779 | 0 |
| 30 Jun 24 | 159,653 | 39,826 | 5,716 | 0 |
| 31 Mar 24 | 150,381 | 35,694 | 5,856 | 0 |
| 31 Dec 23 | 145,553 | 36,511 | 5,749 | 0 |
| 30 Sep 23 | 124,812 | 31,578 | 5,435 | 0 |
| 30 Jun 23 | 115,750 | 28,249 | 5,297 | 0 |
| 31 Mar 23 | 103,193 | 24,134 | 4,680 | 0 |
| 31 Dec 22 | 87,335 | 18,395 | 2,729 | 0 |
| 30 Sep 22 | 80,039 | 17,996 | 2,624 | 0 |
| 30 Jun 22 | 70,984 | 16,193 | 2,508 | 0 |
| 31 Mar 22 | 65,027 | 16,058 | 1,864 | 0 |
| 31 Dec 21 | 60,808 | 14,437 | 1,581 | 0 |
| 30 Sep 21 | 56,469 | 12,895 | 1,260 | 0 |
| 30 Jun 21 | 53,886 | 12,057 | 1,266 | 0 |
| 31 Mar 21 | 51,518 | 11,351 | 1,254 | 0 |
| 31 Dec 20 | 50,595 | 10,832 | 1,098 | 0 |
| 30 Sep 20 | 52,828 | 12,206 | 1,145 | 0 |
| 30 Jun 20 | 52,800 | 12,501 | 1,654 | 0 |
| 31 Mar 20 | 52,863 | 12,771 | 1,461 | 0 |
| 31 Dec 19 | 52,852 | 13,047 | 1,893 | 0 |
| 30 Sep 19 | 49,212 | 11,548 | 2,138 | 0 |
| 30 Jun 19 | 46,816 | 11,043 | 1,674 | 0 |
| 31 Mar 19 | 45,245 | 10,798 | 1,786 | 0 |
| 31 Dec 18 | 43,276 | 10,899 | 1,024 | 0 |
| 30 Sep 18 | 41,457 | 9,868 | -16,527 | 0 |
| 30 Jun 18 | 40,880 | 9,547 | -10,570 | 0 |
| 31 Mar 18 | 40,342 | 8,701 | -4,388 | 0 |
| 31 Dec 17 | 39,362 | 8,314 | 1,014 | 0 |
| 30 Sep 17 | 39,466 | 8,784 | 22,891 | 0 |
| 30 Jun 17 | 38,759 | 8,531 | 22,771 | 0 |
| 31 Mar 17 | 38,103 | 8,252 | 22,486 | 0 |
| 31 Dec 16 | 37,327 | 7,890 | 22,396 | 0 |
| 30 Sep 16 | 37,239 | 7,956 | 22,196 | 0 |
| 30 Jun 16 | 37,188 | 8,106 | 21,718 | 0 |
| 31 Mar 16 | 36,398 | 7,981 | 20,998 | 0 |
| 31 Dec 15 | 35,430 | 7,503 | 20,589 | 0 |
| 30 Sep 15 | 35,174 | 7,696 | 20,497 | 0 |
| 30 Jun 15 | 33,424 | 6,915 | 20,198 | 0 |
| 31 Mar 15 | 30,957 | 6,530 | 19,401 | 0 |
| 31 Dec 14 | 29,482 | 5,765 | 19,025 | 0 |
Quality Earnings: BAFL has high quality earnings.
Growing Profit Margin: BAFL's current net profit margins (25.6%) are higher than last year (25.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BAFL's earnings have grown significantly by 30.4% per year over the past 5 years.
Accelerating Growth: BAFL's earnings growth over the past year (40.2%) exceeds its 5-year average (30.4% per year).
Earnings vs Industry: BAFL earnings growth over the past year (40.2%) exceeded the Banks industry 30.1%.
Return on Equity
High ROE: Whilst BAFL's Return on Equity (25.72%) is high, this metric is skewed due to their high level of debt.