Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Price to Earnings 8.97 7.28 15.26 6.04
Price to Sales 5.63
Book Value Per Common Share 41.01 39.29 36.82 18.95
Price to Book 0.53 0.51 0.50 1.12
Price to Operating Cash Flow -6.42 21.72 -6.77 -3.84
Price to Free Cash Flow -3.84
Enterprise Value to EBITDA
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
Price to Earnings 14.08 24.95 61.56 11.02 16.28 27.39 9.59 16.63 35.14 19.63
Price to Sales
Book Value Per Common Share 20.00 19.88 19.81 41.01 19.77 19.63 19.53 39.29 19.01 18.59 18.44 36.82 18.57
Price to Book 1.02 1.10 1.12 0.53 1.06 1.06 1.07 0.51 1.02 1.01 0.99 0.50 0.91
Price to Operating Cash Flow -10.98 -29.14 -50.10 -6.91 -9.38 -586.48 12.26 12.34 11.19 -8.31
Price to Free Cash Flow
Enterprise Value to EBITDA

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Earning YoY -11.27 127.27 -65.53
Revenue YoY
EBITDA YoY
Net Profit YoY 0.00 153.67 -61.71
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
Earning YoY 64.77 144.44 48.44 68.42 79.65 117.31 -39.53
Revenue YoY
EBITDA YoY
Net Profit YoY 67.11 149.79 51.10 71.71 82.10 119.06 -34.74

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Cash Per Common Share 4.29 3.55 2.63
Quick Ratio
Current Ratio
Debt to Equity 1.87 2.09 2.41 1.35
Long-Term Debt to Equity
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
Cash Per Common Share 3.41 2.31 2.64 3.98 3.51 4.23 3.10 3.38 3.25 2.85 2.87 2.53 0.58
Quick Ratio
Current Ratio
Debt to Equity 1.95 1.87 1.83 1.87 1.89 1.93 1.94 2.09 2.12 2.19 2.26 2.41 1.34
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
ROA 2.94 3.07 1.28 7.52
ROE 8.46 9.48 4.38 17.67
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin 93.39
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
ROA 1.93 1.20 0.50 2.30 1.53 0.91 2.29 1.28 0.59 1.93
ROE 5.69 3.45 1.41 6.64 4.50 2.68 7.16 4.08 1.91 4.51
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

Dividends

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Dividend Yield 0.00
Dividend Payout Ratio 44.29
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Assets 51,735,000.00 49,559,000.00 46,706,000.00 20,843,000.00
      Cash and Short-Term Investments 2,677,000.00 1,967,000.00 1,311,000.00 0
            Cash and Cash Equivalents 2,677,000.00 1,967,000.00 1,311,000.00 372,000.00
            Short-Term Investments 0 0 0 0
      Net Receivables 516,000.00 261,000.00 176,000.00 222,000.00
      Inventory 0 0 0 0
      Other Current Assets 0 0 0 0
      Property, Plant, Equipment Net 0 10,000.00 20,000.00 27,000.00
      Goodwill 0 0 0 0
      Intangible Assets 0 0 0 0
      Long-Term Investments 0 0 0 20,009,000.00
      Non-Current Deferred Assets 0 0 0 0
      Other Non-Current Assets 0 0 0 0
Liabilities 33,739,000.00 33,501,000.00 32,999,000.00 11,975,000.00
      Payables and Expenses 0 0 0 0
            Account Payables 0 0 0 316,000.00
            Current Accrued Liabilities 0 0 0 0
      Short-Term Debt 0 0 0 0
      Other Current Liabilities 0 0 0 0
      Long-Term Debt 0 0 0 11,137,000.00
      Other Non-Current Liabilities 0 0 0 0
Equity 17,996,000.00 16,058,000.00 13,707,000.00 8,868,000.00
   Shareholders Equity 27,562,000.00 22,864,000.00 19,108,000.00 8,868,000.00
      Capital Stock 1,000.00 1,000.00 1,000.00 0
      Share Premium 12,502,000.00 10,738,000.00 9,556,000.00 8,553,000.00
      Retained Earnings 1,224,000.00 714,000.00 0 315,000.00
      Treasury Shares 0 0 0 0
      Accumulated Other Comprehensive Income 0 0 0 0
   Minority Interest 0 0 0 0
Debt 13,727,000.00 23,785,000.00 24,451,000.00 11,137,000.00
Net Debt 11,050,000.00 21,818,000.00 23,140,000.00 10,722,000.00
Common Shares Outstanding 672,000.00 582,000.00 519,000.00 468,000.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Revenues 0 0 0 1,678,000.00
Cost Of Revenue 35,000.00 23,000.00 30,000.00 0
Interest Income 0 0 0 1,247,000.00
Interest Expense 2,921,000.00 2,742,000.00 1,657,000.00 372,000.00
Non-Interest Expense 0 0 0 39,000.00
Operating Expenses 0 0 0 82,000.00
   Selling, General and Administrative Expenses 48,000.00 52,000.00 47,000.00 39,000.00
   Other Operating Expenses 0 0 0 43,000.00
EBT 0 0 0 1,596,000.00
Income Tax 0.00 0.00 0.00 29,000.00
Net Income Including Non-Controlling Interests 0 0 0 1,567,000.00
Net Income 1,522,000.00 1,522,000.00 600,000.00 1,567,000.00
Deprecation and Amortization 17,000.00 18,000.00 13,000.00 0
EPS 0.00 0.00 0.00 0.00
Diluted EPS 0.00 0.00 0.00 0.00
Average Shares Outstanding Basic 624,000.00 554,000.00 498,000.00 446,000.00
Average Shares Outstanding Diluted 624,000.00 575,000.00 518,000.00 446,000.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Operating Cash Flow -2,128,000.00 511,000.00 -1,359,000.00 -2,459,000.00
   Operating Net Income 2,159,000.00 2,352,000.00 953,000.00 1,567,000.00
   Deprecation and Amortization 17,000.00 18,000.00 13,000.00 0
   Deferred Income Tax 0 0 0 0
   Share Based Compensation 0 0 0 0
   Change in Working Capital 73,000.00 122,000.00 -36,000.00 208,000.00
   Other Operating Activities -4,377,000.00 -1,981,000.00 -2,289,000.00 -4,234,000.00
Investing Cash Flow 0 0 0 0
   Capital Expenditure 0.00 0.00 0.00 0
   Net Purchase/Sale of PPE 0 0 0 0
   Net Purchase/Sale of Investments Net 0 0 0 0
   Net Purchase/Sale of Business 0 0 0 0
   Other Investing Activities 0 0 0 0
Financing Cash Flow 2,424,000.00 -284,000.00 1,210,000.00 2,619,000.00
   Net Issuance/Repayment of Debt 24,216,000.00 10,773,000.00 14,768,000.00 2,558,000.00
   Net Issuance/Repurchase of Equity 1,364,000.00 1,155,000.00 1,001,000.00 819,000.00
   Dividends Paid 1,139,000.00 1,031,000.00 912,000.00 -694,000.00
   Other Financing Activities -24,295,000.00 -13,243,000.00 -15,471,000.00 -64,000.00
Net Change in Cash 296,000.00 227,000.00 -149,000.00 160,000.00
   Cash at Beginning of Period 564,000.00 337,000.00 486,000.00 326,000.00
   Cash at End of Period 860,000.00 564,000.00 337,000.00 486,000.00
Free Cash Flow 0 0 0 -2,459,000.00
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
Assets 52,212,000.00 50,063,000.00 48,323,000.00 51,735,000.00 50,718,000.00 50,277,000.00 49,266,000.00 49,559,000.00 48,404,000.00 47,639,000.00 47,400,000.00 46,706,000.00 22,038,000.00
      Cash and Short-Term Investments 2,364,000.00 1,585,000.00 1,783,000.00 2,677,000.00 2,156,000.00 2,551,000.00 1,833,000.00 1,967,000.00 1,783,000.00 1,543,000.00 1,535,000.00 1,311,000.00 286,000.00
            Cash and Cash Equivalents 2,364,000.00 1,585,000.00 1,783,000.00 2,677,000.00 2,156,000.00 2,551,000.00 1,833,000.00 1,967,000.00 1,783,000.00 1,543,000.00 1,535,000.00 1,311,000.00 286,000.00
            Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0
      Net Receivables 631,000.00 306,000.00 272,000.00 516,000.00 382,000.00 331,000.00 464,000.00 261,000.00 259,000.00 186,000.00 187,000.00 176,000.00 160,000.00
      Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0
      Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0
      Property, Plant, Equipment Net 0 0 0 0 7,000.00 8,000.00 9,000.00 10,000.00 13,000.00 15,000.00 18,000.00 20,000.00 21,000.00
      Goodwill 0 0 0 0 0 0 0 0 0 0 0 0 0
      Intangible Assets 0 0 0 0 0 0 0 0 0 0 0 0 0
      Long-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0
      Non-Current Deferred Assets 0 0 0 0 0 0 0 0 0 0 0 0 0
      Other Non-Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0
Liabilities 34,518,000.00 32,637,000.00 31,233,000.00 33,739,000.00 33,181,000.00 33,132,000.00 32,504,000.00 33,501,000.00 32,908,000.00 32,714,000.00 32,874,000.00 32,999,000.00 12,602,000.00
      Payables and Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0
            Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0
            Current Accrued Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0
      Short-Term Debt 0 0 0 0 0 0 0 0 0 0 0 0 0
      Other Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0
      Long-Term Debt 0 0 0 0 0 0 0 0 0 0 0 0 0
      Other Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0
Equity 17,694,000.00 17,426,000.00 17,090,000.00 17,996,000.00 17,537,000.00 17,145,000.00 16,762,000.00 16,058,000.00 15,496,000.00 14,925,000.00 14,526,000.00 13,707,000.00 9,436,000.00
   Shareholders Equity 14,322,000.00 14,034,000.00 13,672,000.00 27,562,000.00 12,773,000.00 12,364,000.00 11,872,000.00 22,864,000.00 10,815,000.00 10,354,000.00 10,049,000.00 19,108,000.00 9,436,000.00
      Capital Stock 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 0
      Share Premium 13,470,000.00 13,244,000.00 12,906,000.00 12,502,000.00 12,044,000.00 11,721,000.00 11,251,000.00 10,738,000.00 10,505,000.00 10,273,000.00 10,033,000.00 9,556,000.00 9,370,000.00
      Retained Earnings 1,155,000.00 1,081,000.00 1,103,000.00 1,224,000.00 1,104,000.00 1,008,000.00 936,000.00 714,000.00 507,000.00 248,000.00 0 0 0
      Treasury Shares 0 0 0 0 0 0 0 0 0 0 0 0 0
      Accumulated Other Comprehensive Income 0 0 0 0 0 0 0 0 0 0 0 0 0
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 0 0 0 0 0 5,000.00 0 0
Debt 30,194,000.00 27,205,000.00 26,842,000.00 13,727,000.00 27,013,000.00 25,934,000.00 23,405,000.00 23,785,000.00 23,054,000.00 22,766,000.00 22,356,000.00 24,451,000.00 23,665,000.00
Net Debt 27,830,000.00 25,620,000.00 25,059,000.00 11,050,000.00 24,857,000.00 23,383,000.00 21,572,000.00 21,818,000.00 21,271,000.00 21,223,000.00 20,821,000.00 23,140,000.00 23,379,000.00
Common Shares Outstanding 716,000.00 706,000.00 690,000.00 672,000.00 646,000.00 630,000.00 608,000.00 582,000.00 569,000.00 557,000.00 545,000.00 519,000.00 508,000.00
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-09-30
Cost Of Revenue 0 0 0 35,000.00 0 0 0 23,000.00 0 0 0 0
   Selling, General and Administrative Expenses 28,000.00 17,000.00 8,000.00 -23,000.00 37,000.00 23,000.00 11,000.00 -30,000.00 42,000.00 27,000.00 13,000.00 20,000.00
Interest Expense 1,971,000.00 1,254,000.00 626,000.00 -1,449,000.00 2,208,000.00 1,446,000.00 716,000.00 -1,231,000.00 2,015,000.00 1,315,000.00 643,000.00 314,000.00
EBT 0 0 0 0 0 0 0 0 0 0 0 0
Income Tax 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Income 1,006,000.00 602,000.00 241,000.00 -863,000.00 1,165,000.00 771,000.00 449,000.00 -474,000.00 1,109,000.00 609,000.00 278,000.00 426,000.00
Deprecation and Amortization 12,000.00 8,000.00 4,000.00 -10,000.00 14,000.00 9,000.00 4,000.00 -8,000.00 12,000.00 9,000.00 5,000.00 8,000.00
EPS 0.00 0.00 0.00 -0.00 0.00 0.00 0.00 -0.00 0.00 0.00 0.00 0.00
Diluted EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Shares Outstanding Basic 694,000.00 686,000.00 676,000.00 688,000.00 614,000.00 603,000.00 591,000.00 593,000.00 548,000.00 541,000.00 534,000.00 492,000.00
Average Shares Outstanding Diluted 694,000.00 686,000.00 676,000.00 688,000.00 614,000.00 603,000.00 591,000.00 616,000.00 568,000.00 561,000.00 555,000.00 512,000.00
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-09-30
Operating Cash Flow -1,290,000.00 -517,000.00 -299,000.00 1,092,000.00 -1,860,000.00 -1,339,000.00 -21,000.00 -2,055,000.00 870,000.00 824,000.00 872,000.00 -999,000.00
   Operating Net Income 1,438,000.00 902,000.00 405,000.00 -1,356,000.00 1,697,000.00 1,138,000.00 680,000.00 -699,000.00 1,687,000.00 961,000.00 403,000.00 426,000.00
   Deprecation and Amortization 12,000.00 8,000.00 4,000.00 -10,000.00 14,000.00 9,000.00 4,000.00 -8,000.00 12,000.00 9,000.00 5,000.00 8,000.00
   Deferred Income Tax 0 0 0 0 0 0 0 0 0 0 0 0
   Share Based Compensation 0 0 0 0 0 0 0 0 0 0 0 0
   Change in Working Capital -30,000.00 20,000.00 -111,000.00 -46,000.00 50,000.00 58,000.00 11,000.00 16,000.00 89,000.00 16,000.00 1,000.00 -46,000.00
   Other Operating Activities -2,710,000.00 -1,447,000.00 -597,000.00 2,504,000.00 -3,621,000.00 -2,544,000.00 -716,000.00 -1,364,000.00 -918,000.00 -162,000.00 463,000.00 -1,387,000.00
Investing Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 0 0 0 0 0 0 0 0 0 0 0 0
   Net Purchase/Sale of Investments Net 0 0 0 0 0 0 0 0 0 0 0 0
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 0
   Other Investing Activities 0 0 0 0 0 0 0 0 0 0 0 0
Financing Cash Flow 1,684,000.00 321,000.00 181,000.00 -986,000.00 1,920,000.00 1,456,000.00 34,000.00 1,858,000.00 -602,000.00 -708,000.00 -832,000.00 875,000.00
   Net Issuance/Repayment of Debt 16,966,000.00 8,900,000.00 5,042,000.00 -13,809,000.00 19,340,000.00 14,075,000.00 4,610,000.00 -3,653,000.00 6,713,000.00 4,636,000.00 3,077,000.00 9,238,000.00
   Net Issuance/Repurchase of Equity 906,000.00 702,000.00 384,000.00 -91,000.00 836,000.00 534,000.00 85,000.00 -945,000.00 919,000.00 704,000.00 477,000.00 808,000.00
   Dividends Paid 945,000.00 625,000.00 308,000.00 -516,000.00 836,000.00 549,000.00 270,000.00 -512,000.00 768,000.00 514,000.00 261,000.00 665,000.00
   Other Financing Activities -17,133,000.00 -9,906,000.00 -5,553,000.00 13,430,000.00 -19,092,000.00 -13,702,000.00 -4,931,000.00 6,968,000.00 -9,002,000.00 -6,562,000.00 -4,647,000.00 -9,836,000.00
Net Change in Cash 394,000.00 -196,000.00 -118,000.00 106,000.00 60,000.00 117,000.00 13,000.00 -197,000.00 268,000.00 116,000.00 40,000.00 -124,000.00
   Cash at Beginning of Period 860,000.00 860,000.00 860,000.00 754,000.00 564,000.00 564,000.00 564,000.00 761,000.00 337,000.00 337,000.00 337,000.00 486,000.00
   Cash at End of Period 1,254,000.00 664,000.00 742,000.00 860,000.00 624,000.00 681,000.00 577,000.00 564,000.00 605,000.00 453,000.00 377,000.00 362,000.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0