Union Financial Past Earnings Performance
Past criteria checks 2/6
Union Financial has been growing earnings at an average annual rate of 7.7%, while the Banks industry saw earnings growing at 7.1% annually. Revenues have been growing at an average rate of 12.9% per year. Union Financial's return on equity is 5.2%, and it has net margins of 6.9%.
Key information
7.7%
Earnings growth rate
0.1%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 12.9% |
| Return on equity | 5.2% |
| Net Margin | 6.9% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses Breakdown
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 23 | 15 | 1 | 11 | 0 |
| 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 (6.9%) are lower than last year (8.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: UFCP's earnings have grown by 7.7% per year 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 (-9%) over the past year, making it difficult to compare to the Banks industry average (-12.2%).
Return on Equity
High ROE: UFCP's Return on Equity (5.2%) is considered low.