SFI Past Earnings Performance
Past criteria checks 1/6
SFI has been growing earnings at an average annual rate of 0.8%, while the Consumer Finance industry saw earnings growing at 11.5% annually. Revenues have been growing at an average rate of 5.7% per year. SFI's return on equity is 6%, and it has net margins of 28.7%.
Key information
0.8%
Earnings growth rate
19.7%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | 5.7% |
| Return on equity | 6.0% |
| Net Margin | 28.7% |
| Last Earnings Update | 31 Dec 2021 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How SFI 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 Dec 21 | 12,000 | 3,449 | 6,317 | 0 |
| 30 Sep 21 | 13,799 | 5,914 | 5,629 | 0 |
| 30 Jun 21 | 17,884 | 8,532 | 6,559 | 0 |
| 31 Mar 21 | 18,159 | 9,041 | 6,297 | 0 |
| 31 Dec 20 | 16,149 | 9,398 | 4,418 | 0 |
| 30 Jun 20 | 12,919 | 5,011 | 5,632 | 0 |
| 31 Mar 20 | 14,935 | 6,313 | 5,874 | 0 |
| 31 Dec 19 | 16,952 | 7,614 | 6,115 | 0 |
| 30 Sep 19 | 23,617 | 8,775 | 6,085 | 0 |
| 30 Jun 19 | 22,953 | 8,353 | 5,609 | 0 |
| 31 Mar 19 | 22,137 | 8,639 | 5,028 | 0 |
| 31 Dec 18 | 21,322 | 8,925 | 4,447 | 0 |
| 30 Sep 18 | 22,482 | 11,053 | 4,557 | 0 |
| 30 Jun 18 | 18,011 | 10,728 | 4,098 | 0 |
| 31 Mar 18 | 16,203 | 9,496 | 3,897 | 0 |
| 31 Dec 17 | 14,395 | 8,264 | 3,696 | 0 |
| 30 Sep 17 | 10,095 | 6,066 | 3,026 | 0 |
| 30 Jun 17 | 10,559 | 5,916 | 2,724 | 0 |
| 31 Mar 17 | 8,813 | 4,673 | 2,252 | 0 |
| 31 Dec 16 | 6,967 | 3,310 | 2,191 | 0 |
| 30 Sep 16 | 5,926 | 2,788 | 1,595 | 0 |
| 30 Jun 16 | 5,613 | 2,461 | 1,777 | 0 |
| 31 Mar 16 | 5,374 | 2,271 | 2,310 | 0 |
| 31 Dec 15 | 5,090 | 1,942 | 2,237 | 0 |
Quality Earnings: SFIN has a high level of non-cash earnings.
Growing Profit Margin: SFIN's current net profit margins (28.7%) are lower than last year (58.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: SFIN's earnings have grown by 0.8% per year over the past 5 years.
Accelerating Growth: SFIN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SFIN had negative earnings growth (-63.3%) over the past year, making it difficult to compare to the Consumer Finance industry average (-4.1%).
Return on Equity
High ROE: SFIN's Return on Equity (6%) is considered low.