Union Financial Past Earnings Performance
Past criteria checks 1/6
Union Financial's earnings have been declining at an average annual rate of -28.6%, while the Banks industry saw earnings growing at 10.2% annually. Revenues have been growing at an average rate of 12.5% per year. Union Financial's return on equity is 6%, and it has net margins of 8.3%.
Key information
-28.6%
Earnings growth rate
-28.1%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 12.5% |
| Return on equity | 6.0% |
| Net Margin | 8.3% |
| Last Earnings Update | 31 Dec 2022 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses BreakdownBeta
How Union 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 |
|---|---|---|---|---|
| 31 Dec 22 | 13 | 1 | 10 | 0 |
| 31 Dec 21 | 12 | 2 | 8 | 0 |
| 31 Dec 20 | 11 | 2 | 7 | 0 |
| 31 Dec 19 | 9 | 1 | 7 | 0 |
| 30 Jun 19 | 9 | 1 | 6 | 0 |
| 31 Mar 19 | 8 | 1 | 6 | 0 |
| 31 Dec 18 | 8 | 1 | 6 | 0 |
| 30 Sep 18 | 8 | 0 | 6 | 0 |
| 31 Mar 18 | 7 | 0 | 5 | 0 |
| 31 Dec 17 | 7 | 0 | 5 | 0 |
| 31 Dec 16 | 7 | 1 | 5 | 0 |
Quality Earnings: UFCP has high quality earnings.
Growing Profit Margin: UFCP's current net profit margins (8.3%) are lower than last year (13.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if UFCP's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: UFCP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UFCP had negative earnings growth (-28.6%) over the past year, making it difficult to compare to the Banks industry average (-9.7%).
Return on Equity
High ROE: UFCP's Return on Equity (6%) is considered low.