Bank of Punjab Past Earnings Performance
Past criteria checks 3/6
Bank of Punjab has been growing earnings at an average annual rate of 8.4%, while the Banks industry saw earnings growing at 24.2% annually. Revenues have been growing at an average rate of 16.8% per year. Bank of Punjab's return on equity is 16%, and it has net margins of 18.8%.
Key information
8.4%
Earnings growth rate
8.4%
EPS growth rate
| Banks Industry Growth | 20.1% |
| Revenue growth rate | 16.8% |
| Return on equity | 16.0% |
| Net Margin | 18.8% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Bank of Punjab 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 |
|---|---|---|---|---|
| 31 Mar 24 | 61,743 | 11,582 | 800 | 0 |
| 31 Dec 23 | 58,573 | 11,081 | 1,008 | 0 |
| 30 Sep 23 | 49,766 | 8,943 | 695 | 0 |
| 30 Jun 23 | 46,585 | 8,606 | 708 | 0 |
| 31 Mar 23 | 45,956 | 9,641 | 688 | 0 |
| 31 Dec 22 | 46,363 | 10,628 | 851 | 0 |
| 30 Sep 22 | 44,877 | 11,201 | 999 | 0 |
| 30 Jun 22 | 44,379 | 12,175 | 1,020 | 0 |
| 31 Mar 22 | 41,896 | 12,635 | 1,234 | 0 |
| 31 Dec 21 | 39,580 | 12,316 | 1,015 | 0 |
| 30 Sep 21 | 34,740 | 9,704 | 1,074 | 0 |
| 30 Jun 21 | 32,396 | 8,746 | 1,097 | 0 |
| 31 Mar 21 | 30,996 | 7,154 | 879 | 0 |
| 31 Dec 20 | 29,633 | 6,819 | 692 | 0 |
| 30 Sep 20 | 30,680 | 7,794 | 713 | 0 |
| 30 Jun 20 | 30,077 | 7,779 | 606 | 0 |
| 31 Mar 20 | 29,360 | 7,770 | 480 | 0 |
| 31 Dec 19 | 29,089 | 8,160 | 389 | 0 |
| 30 Sep 19 | 28,178 | 8,139 | 98 | 0 |
| 30 Jun 19 | 26,856 | 7,657 | 132 | 0 |
| 31 Mar 19 | 26,179 | 7,469 | 160 | 0 |
| 31 Dec 18 | 25,006 | 7,537 | 141 | 0 |
| 30 Sep 18 | 10,519 | -1,050 | -7,254 | 0 |
| 30 Jun 18 | 8,632 | -1,728 | -4,690 | 0 |
| 31 Mar 18 | 6,380 | -3,003 | -2,124 | 0 |
| 31 Dec 17 | 5,288 | -3,384 | 118 | 0 |
| 30 Sep 17 | 17,389 | 4,041 | 9,453 | 0 |
| 30 Jun 17 | 17,257 | 4,237 | 9,006 | 0 |
| 31 Mar 17 | 17,281 | 4,921 | 8,539 | 0 |
| 31 Dec 16 | 16,438 | 4,821 | 8,216 | 0 |
| 30 Sep 16 | 15,952 | 5,000 | 8,035 | 0 |
| 30 Jun 16 | 15,354 | 4,751 | 7,808 | 0 |
| 31 Mar 16 | 15,237 | 4,866 | 7,462 | 0 |
| 31 Dec 15 | 15,171 | 4,718 | 7,232 | 0 |
| 30 Sep 15 | 13,982 | 4,439 | 6,984 | 0 |
| 30 Jun 15 | 13,320 | 4,203 | 6,665 | 0 |
| 31 Mar 15 | 12,326 | 3,701 | 6,444 | 0 |
| 31 Dec 14 | 10,614 | 2,842 | 6,083 | 0 |
| 30 Sep 14 | 10,116 | 2,669 | 5,773 | 0 |
| 30 Jun 14 | 9,250 | 2,299 | 5,485 | 0 |
| 31 Mar 14 | 8,624 | 2,049 | 5,252 | 0 |
| 31 Dec 13 | 8,263 | 1,915 | 5,093 | 0 |
| 30 Sep 13 | 7,778 | 2,412 | 4,947 | 0 |
| 30 Jun 13 | 7,479 | 2,339 | 4,766 | 0 |
Quality Earnings: BOP has high quality earnings.
Growing Profit Margin: BOP's current net profit margins (18.8%) are lower than last year (21%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BOP's earnings have grown by 8.4% per year over the past 5 years.
Accelerating Growth: BOP's earnings growth over the past year (20.1%) exceeds its 5-year average (8.4% per year).
Earnings vs Industry: BOP earnings growth over the past year (20.1%) did not outperform the Banks industry 76%.
Return on Equity
High ROE: BOP's Return on Equity (16%) is considered low.