First Habib Modaraba Past Earnings Performance
Past criteria checks 3/6
First Habib Modaraba has been growing earnings at an average annual rate of 17.8%, while the Consumer Finance industry saw earnings growing at 11.6% annually. Revenues have been growing at an average rate of 16.2% per year. First Habib Modaraba's return on equity is 15.1%, and it has net margins of 60.1%.
Key information
17.8%
Earnings growth rate
15.1%
EPS growth rate
| Consumer Finance Industry Growth | 9.5% |
| Revenue growth rate | 16.2% |
| Return on equity | 15.1% |
| Net Margin | 60.1% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How First Habib Modaraba 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 | 1,279 | 768 | 383 | 0 |
| 31 Dec 23 | 1,146 | 745 | 368 | 0 |
| 30 Sep 23 | 969 | 603 | 349 | 0 |
| 30 Jun 23 | 832 | 520 | 317 | 0 |
| 31 Mar 23 | 676 | 525 | 295 | 0 |
| 31 Dec 22 | 618 | 451 | 273 | 0 |
| 30 Sep 22 | 579 | 427 | 249 | 0 |
| 30 Jun 22 | 525 | 382 | 231 | 0 |
| 31 Mar 22 | 531 | 373 | 211 | 0 |
| 31 Dec 21 | 510 | 378 | 203 | 0 |
| 30 Sep 21 | 482 | 351 | 200 | 0 |
| 30 Jun 21 | 462 | 363 | 194 | 0 |
| 31 Mar 21 | 393 | 307 | 190 | 0 |
| 31 Dec 20 | 360 | 307 | 187 | 0 |
| 30 Sep 20 | 356 | 312 | 188 | 0 |
| 30 Jun 20 | 345 | 317 | 187 | 0 |
| 31 Mar 20 | 374 | 347 | 184 | 0 |
| 31 Dec 19 | 382 | 345 | 180 | 0 |
| 30 Sep 19 | 383 | 339 | 175 | 0 |
| 30 Jun 19 | 363 | 320 | 167 | 0 |
| 31 Mar 19 | 1,337 | 307 | 156 | 0 |
| 31 Dec 18 | 1,326 | 286 | 153 | 0 |
| 30 Sep 18 | 1,301 | 274 | 148 | 0 |
| 30 Jun 18 | 1,309 | 290 | 138 | 0 |
| 31 Mar 18 | 1,350 | 260 | 162 | 0 |
| 31 Dec 17 | 1,351 | 277 | 151 | 0 |
| 30 Sep 17 | 1,367 | 291 | 132 | 0 |
| 30 Jun 17 | 1,369 | 295 | 129 | 0 |
| 31 Mar 17 | 339 | 301 | 127 | 0 |
| 31 Dec 16 | 339 | 300 | 125 | 0 |
| 30 Sep 16 | 326 | 300 | 119 | 0 |
| 30 Jun 16 | 320 | 298 | 120 | 0 |
| 31 Mar 16 | 315 | 299 | 119 | 0 |
| 31 Dec 15 | 309 | 302 | 117 | 0 |
| 30 Sep 15 | 309 | 304 | 117 | 0 |
| 30 Jun 15 | 302 | 307 | 115 | 0 |
| 31 Mar 15 | 292 | 307 | 111 | 0 |
| 31 Dec 14 | 278 | 299 | 109 | 0 |
| 30 Sep 14 | 274 | 294 | 106 | 0 |
| 30 Jun 14 | 277 | 285 | 109 | 0 |
| 31 Mar 14 | 258 | 1,017 | 205 | 0 |
| 31 Dec 13 | 270 | 1,008 | 206 | 0 |
| 30 Sep 13 | 268 | 999 | 207 | 0 |
| 30 Jun 13 | 263 | 993 | 202 | 0 |
Quality Earnings: FHAM has a high level of non-cash earnings.
Growing Profit Margin: FHAM's current net profit margins (60.1%) are lower than last year (77.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: FHAM's earnings have grown by 17.8% per year over the past 5 years.
Accelerating Growth: FHAM's earnings growth over the past year (46.4%) exceeds its 5-year average (17.8% per year).
Earnings vs Industry: FHAM earnings growth over the past year (46.4%) exceeded the Consumer Finance industry 17.5%.
Return on Equity
High ROE: FHAM's Return on Equity (15.1%) is considered low.