U & I Financial Past Earnings Performance
Past criteria checks 3/6
U & I Financial has been growing earnings at an average annual rate of 30.9%, while the Banks industry saw earnings growing at 9.7% annually. Revenues have been growing at an average rate of 19.5% per year. U & I Financial's return on equity is 15.5%, and it has net margins of 41.8%.
Key information
30.9%
Earnings growth rate
32.4%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 19.5% |
| Return on equity | 15.5% |
| Net Margin | 41.8% |
| Last Earnings Update | 31 Dec 2022 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses BreakdownBeta
How U & I 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 | 27 | 11 | 11 | 0 |
| 31 Dec 21 | 22 | 9 | 10 | 0 |
| 30 Sep 21 | 21 | 8 | 10 | 0 |
| 30 Jun 21 | 20 | 7 | 10 | 0 |
| 31 Mar 21 | 18 | 6 | 9 | 0 |
| 31 Dec 20 | 18 | 6 | 9 | 0 |
| 30 Sep 20 | 17 | 6 | 8 | 0 |
| 30 Jun 20 | 16 | 6 | 8 | 0 |
| 31 Mar 20 | 16 | 6 | 8 | 0 |
| 31 Dec 19 | 16 | 6 | 8 | 0 |
| 30 Sep 19 | 15 | 5 | 8 | 0 |
| 30 Jun 19 | 15 | 5 | 7 | 0 |
| 31 Mar 19 | 14 | 5 | 7 | 0 |
| 31 Dec 18 | 13 | 5 | 7 | 0 |
| 30 Sep 18 | 13 | 5 | 7 | 0 |
| 30 Jun 18 | 12 | 4 | 6 | 0 |
| 31 Mar 18 | 11 | 3 | 6 | 0 |
| 31 Dec 17 | 11 | 3 | 6 | 0 |
| 31 Dec 16 | 12 | 4 | 6 | 0 |
| 31 Dec 15 | 12 | 4 | 6 | 0 |
| 31 Dec 14 | 12 | 3 | 6 | 0 |
| 31 Dec 13 | 11 | 3 | 6 | 0 |
Quality Earnings: UNIF has high quality earnings.
Growing Profit Margin: UNIF's current net profit margins (41.8%) are higher than last year (38.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if UNIF's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare UNIF's past year earnings growth to its 5-year average.
Earnings vs Industry: UNIF earnings growth over the past year (30.9%) exceeded the Banks industry -12.4%.
Return on Equity
High ROE: UNIF's Return on Equity (15.5%) is considered low.