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Complete financial analysis of Home Capital Group Inc. (HMCBF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Home Capital Group Inc., a leading company in the Financial – Mortgages industry within the Financial Services sector.
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Home Capital Group Inc. (HMCBF)
About Home Capital Group Inc.
Home Capital Group Inc., through its subsidiary, Home Trust Company, provides residential and nonresidential mortgage lending, securitization of residential mortgage products, consumer lending, and credit card services in Canada. It offers deposits through brokers and financial planners under the Oaken Financial brand. The company also provides credit card and line of credit services, including Equityline Visa product, a home equity line of credit that is secured by residential property; and cash-secured and unsecured credit card products. In addition, it offers consumer retail lending services for durable household goods, such as water heaters and larger-ticket home improvement items; and consumer loans. Further, the company manages a treasury portfolio. Additionally, the company offers various lending and savings solutions. The company operates through offices in Ontario, Alberta, British Columbia, Nova Scotia, and Quebec. Home Capital Group Inc. was founded in 1986 and is based in Toronto, Canada.
| Metric | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 491.54M | 549.35M | 535.92M | 455.53M | 417.90M | 291.31M | 581.31M | 582.83M | 592.89M | 497.04M | 437.37M | 368.83M | 345.57M | 291.81M | 231.40M | 194.33M | 169.66M | 149.81M | 113.39M | 83.77M | 60.82M | 42.88M | 30.52M | 23.50M | 19.60M | 18.70M | 19.10M | 16.50M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 491.54M | 549.35M | 535.92M | 455.53M | 417.90M | 291.31M | 581.31M | 582.83M | 592.89M | 497.04M | 437.37M | 368.83M | 345.57M | 291.81M | 231.40M | 194.33M | 169.66M | 149.81M | 113.39M | 83.77M | 60.82M | 42.88M | 30.52M | 23.50M | 19.60M | 18.70M | 19.10M | 16.50M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 107.06M | 105.04M | 93.59M | 98.87M | 78.72M | 85.40M | 96.78M | 88.87M | 80.77M | 70.95M | 58.96M | 52.52M | 87.05M | 72.69M | 61.57M | 50.36M | 58.91M | 19.97M | 16.46M | 13.18M | 10.31M | 7.54M | 5.00M | 4.10M | 3.30M | 2.80M | 2.20M | 5.40M |
| Selling & Marketing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 107.06M | 105.04M | 93.59M | 98.87M | 78.72M | 85.40M | 96.78M | 88.87M | 80.77M | 70.95M | 58.96M | 52.52M | 87.05M | 72.69M | 61.57M | 50.36M | 58.91M | 19.97M | 16.46M | 13.18M | 10.31M | 7.54M | 5.00M | 4.10M | 3.30M | 2.80M | 2.20M | 5.40M |
| Other Expenses | 118.49M | -320.21M | -390.23M | -369.11M | -316.22M | -367.79M | -342.96M | -286.42M | -256.16M | -230.56M | -196.41M | -165.04M | -190.40M | -165.54M | -134.36M | -110.60M | -126.66M | -78.33M | -66.19M | -53.91M | -43.13M | -28.88M | -19.51M | -14.80M | -13.20M | -16.70M | -19.50M | -5.40M |
| Operating Expenses | 225.55M | -215.17M | -296.64M | -270.25M | -237.50M | -282.40M | -246.18M | -197.55M | -175.39M | -159.61M | -137.46M | -112.52M | -103.35M | -92.85M | -72.79M | -60.24M | -67.75M | -58.36M | -49.74M | -40.73M | -32.82M | -21.35M | -14.51M | -10.70M | -9.90M | -13.90M | -17.30M | 0.00 |
| Cost & Expenses | 225.55M | -215.17M | -296.64M | -270.25M | -237.50M | -282.40M | -246.18M | -197.55M | -175.39M | -159.61M | -137.46M | -112.52M | -103.35M | -92.85M | -72.79M | -60.24M | -67.75M | -58.36M | -49.74M | -40.73M | -32.82M | -21.35M | -14.51M | -10.70M | -9.90M | -13.90M | -17.30M | 0.00 |
| Interest Income | 948.59M | 788.46M | 886.53M | 879.30M | 763.64M | 816.12M | 860.81M | 881.35M | 898.20M | 863.32M | 817.61M | 737.29M | 364.03M | 347.36M | 364.77M | 309.94M | 235.56M | 199.10M | 162.84M | 124.38M | 101.19M | 83.99M | 62.49M | 47.00M | 37.30M | 30.40M | 30.80M | 33.00M |
| Interest Expense | 510.07M | 295.48M | 412.73M | 478.43M | 412.50M | 516.31M | 385.76M | 410.88M | 450.10M | 452.51M | 450.31M | 421.76M | 188.37M | 200.09M | 223.43M | 174.56M | 122.55M | 96.42M | 77.77M | 65.10M | 55.33M | 51.29M | 41.36M | 30.20M | 23.50M | 18.50M | 19.60M | 24.00M |
| Depreciation & Amortization | 17.83M | 23.35M | 27.55M | 33.46M | 23.05M | 34.35M | 29.69M | 12.92M | 10.39M | 11.37M | 9.83M | 3.73M | 2.96M | 3.55M | 3.50M | 2.09M | 1.43M | 907.00K | 1.44M | 1.49M | 1.69M | 405.03K | 515.29K | 400.00K | 300.00K | 300.00K | 200.00K | 200.00K |
| EBITDA | 734.92M | 357.52M | 266.84M | 218.74M | 203.45M | 43.26M | 364.82M | 398.20M | 427.89M | 348.80M | 309.75M | 260.04M | 245.18M | 202.51M | 162.12M | 136.18M | 103.34M | 92.36M | 65.09M | 44.54M | 29.69M | 21.94M | 16.53M | 13.20M | 10.00M | 5.10M | 2.00M | 16.70M |
| EBITDA Ratio | 149.51% | 65.08% | 49.79% | 48.02% | 48.68% | 14.85% | 62.76% | 68.32% | 72.17% | 70.18% | 70.82% | 70.50% | 70.95% | 69.40% | 70.06% | 70.08% | 60.91% | 61.65% | 57.41% | 53.17% | 48.83% | 51.16% | 54.14% | 56.17% | 51.02% | 27.27% | 10.47% | 101.21% |
| Operating Income | 717.09M | 334.17M | 239.28M | 185.29M | 180.40M | 8.92M | 335.13M | 385.28M | 417.50M | 337.43M | 299.92M | 256.31M | 242.22M | 198.96M | 158.62M | 134.09M | 101.91M | 91.46M | 63.65M | 43.04M | 28.00M | 21.53M | 16.01M | 12.80M | 9.70M | 4.80M | 1.80M | 16.50M |
| Operating Income Ratio | 145.89% | 60.83% | 44.65% | 40.67% | 43.17% | 3.06% | 57.65% | 66.10% | 70.42% | 67.89% | 68.57% | 69.49% | 70.09% | 68.18% | 68.55% | 69.00% | 60.07% | 61.05% | 56.14% | 51.38% | 46.04% | 50.22% | 52.45% | 54.47% | 49.49% | 25.67% | 9.42% | 100.00% |
| Total Other Income/Expenses | -58.98M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -16.70M |
| Income Before Tax | 207.02M | 334.17M | 239.28M | 185.29M | 180.40M | 8.92M | 335.13M | 385.28M | 417.50M | 337.43M | 299.92M | 256.31M | 242.22M | 198.96M | 158.62M | 134.09M | 101.91M | 91.46M | 63.65M | 43.04M | 28.00M | 21.53M | 16.01M | 12.80M | 9.70M | 4.80M | 1.80M | -200.00K |
| Income Before Tax Ratio | 42.12% | 60.83% | 44.65% | 40.67% | 43.17% | 3.06% | 57.65% | 66.10% | 70.42% | 67.89% | 68.57% | 69.49% | 70.09% | 68.18% | 68.55% | 69.00% | 60.07% | 61.05% | 56.14% | 51.38% | 46.04% | 50.22% | 52.45% | 54.47% | 49.49% | 25.67% | 9.42% | -1.21% |
| Income Tax Expense | 56.79M | 89.44M | 63.59M | 49.30M | 47.80M | 1.39M | 87.73M | 97.99M | 104.33M | 80.89M | 77.94M | 66.23M | 61.27M | 54.47M | 49.93M | 43.84M | 34.10M | 30.60M | 19.10M | 13.54M | 7.40M | 6.67M | 5.56M | 4.70M | 3.60M | 1.80M | 600.00K | -300.00K |
| Net Income | 150.23M | 244.73M | 175.69M | 135.99M | 132.60M | 7.53M | 247.40M | 287.29M | 313.17M | 256.54M | 221.98M | 190.08M | 180.94M | 144.49M | 108.69M | 90.24M | 67.82M | 60.86M | 44.55M | 29.51M | 20.59M | 14.86M | 10.45M | 8.10M | 6.10M | 3.00M | 1.20M | 100.00K |
| Net Income Ratio | 30.56% | 44.55% | 32.78% | 29.85% | 31.73% | 2.58% | 42.56% | 49.29% | 52.82% | 51.61% | 50.75% | 51.54% | 52.36% | 49.52% | 46.97% | 46.44% | 39.97% | 40.62% | 39.29% | 35.22% | 33.86% | 34.65% | 34.24% | 34.47% | 31.12% | 16.04% | 6.28% | 0.61% |
| EPS | 3.68 | 4.84 | 3.35 | 2.29 | 1.66 | 0.10 | 3.71 | 4.09 | 4.48 | 3.70 | 3.20 | 2.74 | 2.23 | 2.10 | 1.58 | 1.31 | 1.00 | 0.90 | 0.67 | 0.44 | 0.31 | 0.25 | 0.18 | 0.14 | 0.12 | 0.07 | 0.03 | 0.00 |
| EPS Diluted | 3.64 | 4.78 | 3.33 | 2.29 | 1.66 | 0.10 | 3.71 | 4.09 | 4.45 | 3.66 | 3.19 | 2.73 | 2.23 | 2.08 | 1.57 | 1.30 | 0.98 | 0.86 | 0.64 | 0.43 | 0.30 | 0.23 | 0.17 | 0.13 | 0.10 | 0.06 | 0.02 | 0.00 |
| Weighted Avg Shares Out | 40.77M | 50.61M | 52.37M | 59.26M | 79.75M | 72.35M | 66.60M | 70.17M | 69.86M | 69.34M | 69.38M | 69.35M | 69.39M | 68.90M | 69.02M | 68.89M | 68.26M | 67.72M | 67.25M | 67.05M | 66.04M | 60.19M | 59.08M | 58.91M | 53.04M | 44.44M | 43.64M | 40.00M |
| Weighted Avg Shares Out (Dil) | 41.27M | 51.21M | 52.70M | 59.35M | 79.75M | 72.36M | 66.67M | 70.32M | 70.43M | 70.05M | 69.64M | 69.57M | 69.55M | 69.59M | 69.34M | 69.71M | 69.60M | 70.90M | 70.07M | 68.89M | 69.25M | 65.31M | 61.88M | 62.11M | 62.56M | 54.55M | 53.33M | 40.00M |
Smith Financial Corporation Acquires Home Capital Group Inc.
TORONTO--(BUSINESS WIRE)--Smith Financial Corporation (“Smith Financial”) today announced the completion of its plan of arrangement under the Business Corporations Act (Ontario) (the “Arrangement”). Pursuant to the terms of the Arrangement, a wholly-owned subsidiary of Smith Financial Corporation acquired all the...
Home Capital Announces Receipt of Final Regulatory Approvals and Expected Closing Date for Acquisition by Smith Financial Corporation
TORONTO--(BUSINESS WIRE)--Home Capital Group Inc. (“Home Capital”) (TSX: HCG) is pleased to announce that the required regulatory approvals under the Bank Act (Canada) and Trust and Loan Companies Act (Canada) have been granted by the Federal Minister of Finance in...
Home Capital to Report Fourth Quarter and Full Year 2022 Financial Results
TORONTO--( BUSINESS WIRE )--Home Capital Group Inc. (TSX: HCG) (“Home Capital” or “the Company”) will report financial results for the three months and full year ended December 31, 2022 on Thursday, February 16, 2023 before markets open.
Home Capital Group's Acquisition Highlights Value in Canadian Banks
I wrote about Home Capital Group ( TSX:HCG , Financial) just about a couple months ago following value investor Francis Chou (Trades, Portfolio)'s purchase of a position in the Candian banking stock. I had been also accumulating this stock for...
Home Capital Group Inc. (HMCBF) Q3 2022 Earnings Call Transcript
Home Capital Group Inc. (HMCGF) Q3 2022 Results Conference Call November 8, 2022 8:00 AM ET Company Participants Jill MacRae - Head of Investor Relations Yousry Bissada - President and Chief Executive Officer Brad Kotush - Executive Vice President and...
Home Capital Group Inc. (HMCBF) CEO Yousry Bissada on Q2 2022 Results - Earnings Call Transcript
Home Capital Group Inc. (OTCPK:HMCBF) Q2 2022 Results Conference Call August 4, 2022 8:00 AM ET Company Participants Jill MacRae - Head of Investor Relations Yousry Bissada - President and Chief Executive Officer Brad Kotush - Executive Vice President and...
Home Capital Group Inc.'s (HMCBF) CEO Yousry Bissada on Q1 2022 Results - Earnings Call Transcript
Home Capital Group Inc. (OTCPK:HMCBF) Q1 2022 Earnings Conference Call May 4, 2022 8:00 AM ET Company Participants Jill MacRae - Head of Investor Relations Yousry Bissada - President and Chief Executive Officer Brad Kotush - Executive Vice President and...
Home Capital Group Inc. (HMCBF) CEO Yousry Bissada on Q1 2020 Results - Earnings Call Transcript
Home Capital Group Inc. (OTCPK:HMCBF) Q1 2020 Earnings Conference Call May 07, 2020, 08:00 AM ET Company Participants Jill MacRae - Head of IR Yousry Bissada -
Source: https://incomestatements.info
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