Credit Saison Past Earnings Performance
Past criteria checks 5/6
Credit Saison has been growing earnings at an average annual rate of 8.1%, while the Consumer Finance industry saw earnings growing at 7.8% annually. Revenues have been growing at an average rate of 2.2% per year. Credit Saison's return on equity is 7.3%, and it has net margins of 11.4%.
Key information
8.1%
Earnings growth rate
9.3%
EPS growth rate
| Consumer Finance Industry Growth | 7.2% |
| Revenue growth rate | 2.2% |
| Return on equity | 7.3% |
| Net Margin | 11.4% |
| Next Earnings Update | 10 Aug 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Credit Saison 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 Mar 23 | 382,537 | 43,599 | 199,814 | 0 |
| 31 Dec 22 | 372,830 | 44,688 | 193,132 | 0 |
| 30 Sep 22 | 361,694 | 41,320 | 188,579 | 0 |
| 30 Jun 22 | 363,024 | 39,315 | 184,548 | 0 |
| 31 Mar 22 | 362,955 | 35,375 | 180,861 | 0 |
| 31 Dec 21 | 360,111 | 38,693 | 181,043 | 0 |
| 30 Sep 21 | 351,126 | 37,291 | 179,081 | 0 |
| 30 Jun 21 | 339,340 | 36,118 | 178,367 | 0 |
| 31 Mar 21 | 325,381 | 36,132 | 175,781 | 0 |
| 31 Dec 20 | 338,320 | 22,181 | 179,038 | 0 |
| 30 Sep 20 | 353,972 | 24,621 | 184,806 | 0 |
| 30 Jun 20 | 380,162 | 24,213 | 191,442 | 0 |
| 31 Mar 20 | 397,112 | 22,863 | 199,275 | 0 |
| 31 Dec 19 | 447,959 | 36,424 | 195,339 | 0 |
| 30 Sep 19 | 425,622 | 30,727 | 196,725 | 0 |
| 30 Jun 19 | 391,801 | 29,217 | 197,226 | 0 |
| 31 Mar 19 | 371,842 | 30,517 | 198,500 | 0 |
| 31 Dec 18 | 299,229 | 31,852 | 220,531 | 0 |
| 30 Sep 18 | 296,987 | 24,746 | 217,703 | 0 |
| 30 Jun 18 | 294,897 | 27,886 | 211,516 | 0 |
| 31 Mar 18 | 292,183 | 38,329 | 206,312 | 0 |
| 31 Dec 17 | 290,658 | 40,145 | 204,430 | 0 |
| 30 Sep 17 | 287,114 | 46,018 | 200,616 | 0 |
| 30 Jun 17 | 283,480 | 52,689 | 197,318 | 0 |
| 31 Mar 17 | 278,944 | 42,253 | 193,068 | 0 |
| 31 Dec 16 | 274,377 | 37,436 | 185,614 | 0 |
| 30 Sep 16 | 272,220 | 31,381 | 182,073 | 0 |
| 30 Jun 16 | 268,621 | 24,811 | 180,045 | 0 |
| 31 Mar 16 | 269,919 | 26,163 | 179,769 | 0 |
| 31 Dec 15 | 271,243 | 12,210 | 176,005 | 0 |
| 30 Sep 15 | 267,450 | 17,129 | 173,727 | 0 |
| 30 Jun 15 | 265,085 | 14,543 | 172,811 | 0 |
| 31 Mar 15 | 259,076 | 12,628 | 169,964 | 0 |
| 31 Dec 14 | 253,174 | 23,902 | 163,517 | 0 |
| 30 Sep 14 | 250,205 | 26,432 | 161,559 | 0 |
| 30 Jun 14 | 248,255 | 28,043 | 159,296 | 0 |
| 31 Mar 14 | 247,577 | 25,569 | 159,158 | 0 |
| 31 Dec 13 | 247,025 | 34,221 | 160,127 | 0 |
| 30 Sep 13 | 245,902 | 32,735 | 160,541 | 0 |
| 30 Jun 13 | 245,070 | 30,210 | 159,995 | 0 |
| 31 Mar 13 | 244,405 | 32,770 | 157,860 | 0 |
| 31 Dec 12 | 236,325 | 14,138 | 156,489 | 0 |
| 30 Sep 12 | 238,895 | 9,638 | 155,096 | 0 |
| 30 Jun 12 | 241,030 | 10,309 | 155,276 | 0 |
Quality Earnings: CSAS.Y has high quality earnings.
Growing Profit Margin: CSAS.Y's current net profit margins (11.4%) are higher than last year (9.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CSAS.Y's earnings have grown by 8.1% per year over the past 5 years.
Accelerating Growth: CSAS.Y's earnings growth over the past year (23.2%) exceeds its 5-year average (8.1% per year).
Earnings vs Industry: CSAS.Y earnings growth over the past year (23.2%) exceeded the Consumer Finance industry -23.3%.
Return on Equity
High ROE: CSAS.Y's Return on Equity (7.3%) is considered low.