Home Loan Financial Past Earnings Performance
Past criteria checks 5/6
Home Loan Financial has been growing earnings at an average annual rate of 10.6%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 8.8% per year. Home Loan Financial's return on equity is 15.1%, and it has net margins of 39.5%.
Key information
10.6%
Earnings growth rate
10.6%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 8.8% |
| Return on equity | 15.1% |
| Net Margin | 39.5% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses Breakdown
How Home Loan Financial 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 | 15 | 6 | 6 | 0 |
| 30 Jun 24 | 14 | 5 | 6 | 0 |
| 31 Mar 24 | 14 | 5 | 0 | 0 |
| 30 Sep 23 | 13 | 5 | 0 | 0 |
| 30 Jun 23 | 13 | 5 | 6 | 0 |
| 31 Mar 23 | 13 | 5 | 5 | 0 |
| 31 Dec 22 | 12 | 5 | 5 | 0 |
| 30 Sep 22 | 12 | 4 | 5 | 0 |
| 30 Jun 22 | 11 | 4 | 5 | 0 |
| 31 Mar 22 | 11 | 4 | 5 | 0 |
| 31 Dec 21 | 11 | 4 | 5 | 0 |
| 30 Sep 21 | 11 | 4 | 5 | 0 |
| 30 Jun 21 | 11 | 4 | 5 | 0 |
| 31 Mar 21 | 10 | 4 | 5 | 0 |
| 31 Dec 20 | 10 | 4 | 5 | 0 |
| 30 Sep 20 | 10 | 4 | 5 | 0 |
| 30 Jun 20 | 10 | 4 | 5 | 0 |
| 31 Mar 20 | 10 | 4 | 5 | 0 |
| 31 Dec 19 | 10 | 4 | 5 | 0 |
| 30 Sep 19 | 10 | 4 | 5 | 0 |
| 30 Jun 19 | 10 | 4 | 5 | 0 |
| 31 Mar 19 | 10 | 4 | 0 | 0 |
| 31 Dec 18 | 10 | 4 | 0 | 0 |
| 30 Sep 18 | 10 | 3 | 0 | 0 |
| 30 Jun 18 | 9 | 3 | 4 | 0 |
| 31 Mar 18 | 10 | 3 | 4 | 0 |
| 31 Dec 17 | 9 | 3 | 4 | 0 |
| 30 Sep 17 | 9 | 3 | 4 | 0 |
| 30 Jun 17 | 9 | 3 | 4 | 0 |
| 31 Mar 17 | 9 | 3 | 4 | 0 |
| 31 Dec 16 | 9 | 3 | 4 | 0 |
| 30 Sep 16 | 9 | 3 | 4 | 0 |
| 30 Jun 16 | 9 | 3 | 4 | 0 |
| 31 Mar 16 | 9 | 3 | 4 | 0 |
| 31 Dec 15 | 9 | 3 | 4 | 0 |
| 30 Sep 15 | 9 | 3 | 4 | 0 |
| 30 Jun 15 | 9 | 3 | 4 | 0 |
| 31 Mar 15 | 9 | 3 | 4 | 0 |
| 31 Dec 14 | 9 | 3 | 4 | 0 |
| 30 Sep 14 | 9 | 3 | 4 | 0 |
| 30 Jun 14 | 9 | 3 | 4 | 0 |
| 31 Mar 14 | 9 | 3 | 4 | 0 |
| 31 Dec 13 | 9 | 3 | 4 | 0 |
Quality Earnings: HLFN has high quality earnings.
Growing Profit Margin: HLFN's current net profit margins (39.5%) are higher than last year (38.9%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: HLFN's earnings have grown by 10.6% per year over the past 5 years.
Accelerating Growth: HLFN's earnings growth over the past year (13.3%) exceeds its 5-year average (10.6% per year).
Earnings vs Industry: HLFN earnings growth over the past year (13.3%) exceeded the Banks industry -11.8%.
Return on Equity
High ROE: HLFN's Return on Equity (15.1%) is considered low.