International Personal Finance Past Earnings Performance
Past criteria checks 4/6
International Personal Finance's earnings have been declining at an average annual rate of -13.1%, while the Consumer Finance industry saw earnings growing at 7.8% annually. Revenues have been declining at an average rate of 10% per year. International Personal Finance's return on equity is 12.8%, and it has net margins of 8.8%.
Key information
-13.1%
Earnings growth rate
-13.1%
EPS growth rate
| Consumer Finance Industry Growth | 7.2% |
| Revenue growth rate | -10.0% |
| Return on equity | 12.8% |
| Net Margin | 8.8% |
| Next Earnings Update | 01 Aug 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How International Personal Finance 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 | 646 | 57 | 272 | 0 |
| 30 Sep 22 | 621 | 54 | 270 | 0 |
| 30 Jun 22 | 583 | 50 | 263 | 0 |
| 31 Mar 22 | 567 | 45 | 262 | 0 |
| 31 Dec 21 | 549 | 42 | 259 | 0 |
| 30 Sep 21 | 553 | 34 | 261 | 0 |
| 30 Jun 21 | 562 | 20 | 263 | 0 |
| 31 Mar 21 | 596 | -57 | 262 | 0 |
| 31 Dec 20 | 661 | -64 | 279 | 0 |
| 30 Sep 20 | 729 | -47 | 292 | 0 |
| 30 Jun 20 | 804 | -23 | 310 | 0 |
| 31 Mar 20 | 862 | 60 | 328 | 0 |
| 31 Dec 19 | 889 | 72 | 331 | 0 |
| 30 Sep 19 | 892 | 72 | 332 | 0 |
| 30 Jun 19 | 894 | 71 | 332 | 0 |
| 31 Mar 19 | 880 | 73 | 332 | 0 |
| 31 Dec 18 | 866 | 75 | 331 | 0 |
| 30 Sep 18 | 855 | 64 | 335 | 0 |
| 30 Jun 18 | 844 | 52 | 339 | 0 |
| 31 Mar 18 | 835 | 49 | 334 | 0 |
| 31 Dec 17 | 826 | 45 | 329 | 0 |
| 30 Sep 17 | 816 | 58 | 322 | 0 |
| 30 Jun 17 | 796 | 77 | 307 | 0 |
| 31 Mar 17 | 776 | 74 | 303 | 0 |
| 31 Dec 16 | 757 | 71 | 300 | 0 |
| 30 Sep 16 | 742 | 65 | 292 | 0 |
| 30 Jun 16 | 724 | 60 | 281 | 0 |
Quality Earnings: IPFP.F has high quality earnings.
Growing Profit Margin: IPFP.F's current net profit margins (8.8%) are higher than last year (7.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: IPFP.F's earnings have declined by 13.1% per year over the past 5 years.
Accelerating Growth: IPFP.F's earnings growth over the past year (35.6%) exceeds its 5-year average (-13.1% per year).
Earnings vs Industry: IPFP.F earnings growth over the past year (35.6%) exceeded the Consumer Finance industry -23.3%.
Return on Equity
High ROE: IPFP.F's Return on Equity (12.8%) is considered low.