Insights BETA

Income/Loss

Net Income is relatively inconsistent. When Net Income is inconsistent, it's hard to determine a value of the company you can feel confident in.
Net Income / Total Revenues is 71.51% on average. This is usually excellent. However, you're looking at a financial business, use caution because a high ratio could mean relaxing of standards, which means increased risk, which could lead to disaster in the future.
Earnings Per Share is relatively inconsistent. Erratic earnings picture is a red flag that indicates a fiercely competitive industry with lots of booms and busts. During the bust part of the cycle, the stock price might fall significantly after a bad earnings performance. This creates the illusion of a value buying opportunity but it’s not. Also keep in mind if the company has had stock splits or reverse splits.

Return on Shareholders' Equity has been 2.02%, which is low (<10%). If Net Income as percentage of Total Revenue also weak (<10%) or negative, it’s a red flag. If it's strong (>10%), it's a green flag since this indicates that they are returning the earnings to shareholders somehow.