Banco Nacional de Crédito C.A. Banco Universal Past Earnings Performance
Past criteria checks 0/6
Banco Nacional de Crédito C.A. Banco Universal's earnings have been declining at an average annual rate of -24.1%, while the Banks industry saw earnings growing at 12.6% annually. Revenues have been declining at an average rate of 25.1% per year. Banco Nacional de Crédito C.A. Banco Universal's return on equity is 11.4%, and it has net margins of 16.9%.
Key information
-24.1%
Earnings growth rate
-24.1%
EPS growth rate
| Banks Industry Growth | -10.8% |
| Revenue growth rate | -25.1% |
| Return on equity | 11.4% |
| Net Margin | 16.9% |
| Last Earnings Update | 30 Jun 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Banco Nacional de Crédito C.A. Banco Universal 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 |
|---|---|---|---|---|
| 30 Jun 24 | 3,742 | 634 | 2,772 | 0 |
| 31 Mar 24 | 3,769 | 871 | 2,288 | 0 |
| 31 Dec 23 | 3,797 | 1,109 | 1,804 | 0 |
| 30 Sep 23 | 3,160 | 1,042 | 1,392 | 0 |
| 30 Jun 23 | 2,524 | 976 | 980 | 0 |
| 31 Mar 23 | 1,663 | 615 | 693 | 0 |
| 31 Dec 22 | 802 | 254 | 406 | 0 |
| 30 Sep 22 | -16,935,029 | -8,415,120 | -11,690,926 | 0 |
| 30 Jun 22 | -33,870,859 | -16,830,495 | -23,382,258 | 0 |
| 31 Mar 22 | -16,935,382 | -8,415,237 | -11,691,100 | 0 |
| 31 Dec 21 | 96 | 21 | 59 | 0 |
| 30 Sep 21 | 21,277,033 | 9,779,626 | 13,118,945 | 0 |
| 30 Jun 21 | 42,553,971 | 19,559,232 | 26,237,832 | 0 |
| 31 Mar 21 | 26,135,199 | 11,294,586 | 14,873,596 | 0 |
| 31 Dec 20 | 9,716,428 | 3,029,941 | 3,509,360 | 0 |
| 30 Sep 20 | 5,506,231 | 1,694,510 | 2,139,589 | 0 |
| 30 Jun 20 | 1,296,033 | 359,079 | 769,819 | 0 |
| 31 Mar 20 | 814,234 | 227,434 | 454,855 | 0 |
| 31 Dec 19 | 332,435 | 95,790 | 139,891 | 0 |
| 30 Sep 19 | 202,234 | 68,120 | 82,486 | 0 |
| 30 Jun 19 | 72,032 | 40,451 | 25,082 | 0 |
| 31 Mar 19 | 37,056 | 21,467 | 13,077 | 0 |
| 31 Dec 18 | 2,080 | 2,483 | 1,073 | 0 |
| 30 Sep 18 | 1,040 | 1,241 | 536 | 0 |
| 30 Jun 18 | 33 | 10 | 15 | 0 |
| 31 Mar 18 | 18 | 5 | 8 | 0 |
| 31 Dec 17 | 2 | 1 | 1 | 0 |
| 30 Sep 17 | 2 | 0 | 1 | 0 |
| 30 Jun 17 | 1 | 0 | 0 | 0 |
| 31 Mar 17 | 1 | 0 | 0 | 0 |
| 31 Dec 16 | 0 | 0 | 0 | 0 |
| 30 Sep 16 | 0 | 0 | 0 | 0 |
| 30 Jun 16 | 0 | 0 | 0 | 0 |
| 31 Mar 16 | 0 | 0 | 0 | 0 |
| 31 Dec 15 | 0 | 0 | 0 | 0 |
| 30 Sep 15 | 0 | 0 | 0 | 0 |
| 30 Jun 15 | 0 | 0 | 0 | 0 |
| 31 Mar 15 | 0 | 0 | 0 | 0 |
| 31 Dec 14 | 0 | 0 | 0 | 0 |
| 30 Sep 14 | 0 | 0 | 0 | 0 |
| 30 Jun 14 | 0 | 0 | 0 | 0 |
| 31 Mar 14 | 0 | 0 | 0 | 0 |
| 31 Dec 13 | 0 | 0 | 0 | 0 |
Quality Earnings: BNC has a large one-off gain of VES277.8M impacting its last 12 months of financial results to 30th June, 2024.
Growing Profit Margin: BNC's current net profit margins (16.9%) are lower than last year (38.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BNC's earnings have declined by 24.1% per year over the past 5 years.
Accelerating Growth: BNC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BNC had negative earnings growth (-35.1%) over the past year, making it difficult to compare to the Banks industry average (8.9%).
Return on Equity
High ROE: BNC's Return on Equity (11.4%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 04:44 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/06/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Banco Nacional de Crédito, C.A., Banco Universal is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
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