Union Bancaire pour le Commerce et L'Industrie Société anonyme Past Earnings Performance
Past criteria checks 2/6
Union Bancaire pour le Commerce et L'Industrie Société anonyme has been growing earnings at an average annual rate of 2.5%, while the Banks industry saw earnings growing at 7.4% annually. Revenues have been growing at an average rate of 4.7% per year. Union Bancaire pour le Commerce et L'Industrie Société anonyme's return on equity is 10.1%, and it has net margins of 18.6%.
Key information
2.5%
Earnings growth rate
2.5%
EPS growth rate
Banks Industry Growth | 2.4% |
Revenue growth rate | 4.7% |
Return on equity | 10.1% |
Net Margin | 18.6% |
Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How Union Bancaire pour le Commerce et L'Industrie Société anonyme 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 23 | 287 | 53 | 139 | 0 |
30 Sep 23 | 285 | 55 | 137 | 0 |
30 Jun 23 | 283 | 57 | 136 | 0 |
31 Mar 23 | 287 | 58 | 133 | 0 |
31 Dec 22 | 290 | 60 | 130 | 0 |
31 Dec 21 | 259 | 31 | 142 | 0 |
31 Dec 20 | 232 | 42 | 107 | 0 |
31 Dec 19 | 258 | 57 | 114 | 0 |
31 Dec 18 | 225 | 51 | 104 | 0 |
31 Dec 17 | 199 | 39 | 93 | 0 |
31 Dec 16 | 175 | 32 | 88 | 0 |
31 Dec 15 | 163 | 34 | 82 | 0 |
31 Dec 14 | 150 | 27 | 78 | 0 |
31 Dec 13 | 130 | 22 | 74 | 0 |
Quality Earnings: UBCI has high quality earnings.
Growing Profit Margin: UBCI's current net profit margins (18.6%) are lower than last year (20.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: UBCI's earnings have grown by 2.5% per year over the past 5 years.
Accelerating Growth: UBCI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UBCI had negative earnings growth (-10.7%) over the past year, making it difficult to compare to the Banks industry average (14.8%).
Return on Equity
High ROE: UBCI's Return on Equity (10.1%) is considered low.