AX - Axos Financial, Inc.

Valuation Ratios

Breakdown	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Price to Earnings	9.99	7.31	7.66	8.87	12.74
Price to Sales	65.72	50.85	36.07	35.90
Book Value Per Common Share	142.38	120.78	97.58	82.45	70.85
Price to Book	0.53	0.47	0.40	0.43	0.65
Price to Operating Cash Flow	5.34	7.08	8.99	8.43	6.32
Price to Free Cash Flow
Enterprise Value to EBITDA	29361.33	22568.95	27056.60	47650.05	62538.03

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	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31
Price to Earnings	42.54		11.42	18.33	31.92		9.04	13.51	27.04		10.06	16.33	34.93		15.11	27.41	51.03		17.28	20.62
Price to Sales
Book Value Per Common Share	98.62	142.38	91.60	88.39	84.26	120.78	38.48	36.53	33.78	97.58	31.07	29.79	28.35	82.45	26.58	25.60	24.52	70.85	22.72	21.79
Price to Book	0.86	0.53	0.70	0.79	0.75	0.47	1.40	1.49	1.12	0.40	1.19	1.28	1.21	0.43	1.75	2.18	2.10	0.65	2.07	1.72
Price to Operating Cash Flow	40.39		11.99	17.09	50.58		11.91	21.56	65.89		18.55	12.95	28.93		42.36	-43.33	-22.94		8.90	7.82
Price to Free Cash Flow
Enterprise Value to EBITDA	135205.65		33734.09	53106.23	90593.78		29389.47	45763.96	79110.20		38903.05	68316.09	154446.55		86736.21	156834.34	292686.26		86948.01	102834.25

Earnings Data

Breakdown	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Earning YoY	-2.69	51.84	27.48	10.99
Revenue YoY	1.78	-0.95	9.80
EBITDA YoY	1.54	67.69	91.03	2.21
Net Profit YoY	-3.80	46.50	27.60	11.59

Breakdown	2025-03-31	2024-12-31	2024-03-31	2023-12-31	2023-03-31	2022-12-31	2022-03-31	2021-12-31	2021-09-30	2021-03-31
Earning YoY	48.29	93.40	48.02	188.57	56.84	138.78	50.49	101.98	-62.87	49.45
Revenue YoY
EBITDA YoY	44.82	89.52	54.60	142.48	67.80	152.43	50.44	102.46	-67.29	48.56
Net Profit YoY	48.48	93.19	47.23	183.64	57.05	139.63	51.09	100.96	-62.71	49.76

Financial Strength

Breakdown	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Cash Per Common Share	78.82	76.25	79.26	48.32	31.74
Quick Ratio
Current Ratio
Debt to Equity	0.75	0.77	0.78	0.78	0.77
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	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31
Cash Per Common Share	96.37	79.35	74.68	89.53	94.40	77.07	77.57	57.37	77.62	80.27	80.56	61.80	51.24	48.11	37.75	33.23	38.21	31.69	43.75	43.41
Quick Ratio
Current Ratio
Debt to Equity	8.82	0.75	8.21	8.40	8.80	0.77	9.31	9.40	9.54	0.78	9.73	9.48	9.82	0.78	9.14	9.21	9.22	0.77	10.02	10.18
Long-Term Debt to Equity

Profitability

Breakdown	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
ROA	0.82	0.93	0.71	0.65	0.71
ROE	1.44	1.64	1.27	1.16	1.26
Gross Margin			-13.77	6.62
Operating Margin	1977.67	2081.73	1259.05	679.26
EBITDA Margin	2223.29	2228.53	1316.34	756.64
Net Profit Margin	658.02	696.17	470.67	405.01

Breakdown	2025-09-30	2025-03-31	2024-12-31	2024-09-30	2024-03-31	2023-12-31	2023-09-30	2023-03-31	2022-12-31	2022-09-30	2022-03-31	2021-12-31	2021-09-30	2021-03-31	2020-12-31
ROA	0.41	1.34	0.92	0.48	1.52	1.08	0.40	1.11	0.75	0.32	1.14	0.78	0.40	1.09	0.75
ROE	4.02	12.38	8.61	4.67	15.71	11.28	4.18	11.92	7.83	3.43	11.53	7.94	4.13	12.00	8.37
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

Dividends

Breakdown	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Dividend Yield
Dividend Payout Ratio

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	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Assets	52,777,726.00	48,427,830.00	43,034,616.00	36,862,509.00	30,195,558.00
Deposits	20,829,543.00	19,359,217.00	17,123,108.00	13,946,422.00	10,815,797.00
Cash and Short-Term Investments	4,481,929.00	4,384,975.00	4,731,061.00	2,875,926.00	1,879,810.00
Cash and Cash Equivalents	4,481,929.00	4,384,975.00	4,731,061.00	2,875,926.00	1,879,810.00
Short-Term Investments	0	0	0	0	0
Net Receivables	60,072.00	98,892.00	139,218.00	14,120,899.00	11,593,422.00
Inventory	0	0	0	0	0
Other Current Assets	0	0	0	0	0
Property, Plant, Equipment Net	291,837.00	244,564.00	212,589.00	190,015.00	161,908.00
Goodwill	97,673.00	97,673.00	97,673.00	95,674.00	71,222.00
Intangible Assets	65,237.00	57,829.00	54,476.00	60,731.00	44,749.00
Long-Term Investments	0	0	0	0	0
Non-Current Deferred Assets	0	0	0	0	0
Other Non-Current Assets	0	0	0	0	0
Liabilities	22,633,294.00	20,991,304.00	18,851,829.00	16,175,398.00	13,128,121.00
Payables and Expenses	0	0	0	0	0
Account Payables	0	0	0	0	0
Current Accrued Liabilities	0	0	0	0	0
Short-Term Debt	0	0	0	0	186,000.00
Other Current Liabilities	0	0	0	0	0
Long-Term Debt	0	0	0	0	0
Other Non-Current Liabilities	0	0	0	0	0
Equity	30,144,432.00	27,436,526.00	24,182,787.00	20,687,111.00	17,067,437.00
Shareholders Equity	8,042,379.00	6,871,788.00	5,751,477.00	4,928,919.00	4,202,808.00
Capital Stock	711.00	702.00	695.00	689.00	681.00
Share Premium	548,895.00	510,232.00	479,878.00	453,784.00	432,550.00
Retained Earnings	2,618,525.00	2,185,617.00	1,735,609.00	1,428,444.00	1,187,728.00
Treasury Shares	487,802.00	403,489.00	292,413.00	237,011.00	222,530.00
Accumulated Other Comprehensive Income	348.00	-2,466.00	-6,610.00	-2,933.00	2,507.00
Minority Interest	0	0	0	0	0
Investments	558,892.00	279,502.00	561,664.00	3,977,130.00	4,365,938.00
Debt	632,742.00	658,758.00	730,958.00	897,888.00	457,516.00
Common Shares Outstanding	56,483.62	56,894.57	58,943.04	59,777.95	59,317.94

Breakdown	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Revenues	65,789.00	64,641.00	65,261.00	59,434.00	0
Cost Of Revenue	0	0	74,250.00	55,500.00	71,250.00
Interest Income	1,950,654.00	1,789,235.00	1,246,745.00	672,316.00	630,850.00
Interest Expense	687,693.00	710,168.00	389,926.00	63,753.00	90,012.00
Net Interest	2,248,105.00	1,911,147.00	1,551,989.00	1,204,910.00	1,067,855.00
Non-Interest Income	277,859.00	458,567.00	252,424.00	233,001.00	210,739.00
Non-Interest Expense	589,698.00	516,108.00	447,115.00	362,062.00	314,510.00
Provisions for Credit Losses	0	0	74,250.00	55,500.00	71,250.00
Gross Profit	0	0	-8,989.00	3,934.00	0
Selling, General and Administrative Expenses	200,396.00	182,639.00	174,843.00	129,324.00	102,653.00
EBT	613,395.00	635,481.00	431,744.00	339,959.00	305,743.00
Income Tax	190,787.00	179,121.00	112,591.00	87,316.00	81,069.00
Net Income	432,908.00	450,008.00	307,165.00	240,716.00	215,707.00
EBIT	1,301,088.00	1,345,649.00	821,670.00	403,712.00	395,755.00
Deprecation and Amortization	161,594.00	94,893.00	37,386.00	45,992.00	44,236.00
EBITDA	1,462,682.00	1,440,542.00	859,056.00	449,704.00	439,991.00
EPS	0.01	0.01	0.01	0.00	0.00
Diluted EPS	0.01	0.01	0.01	0.00	0.00
Average Shares Outstanding Basic	56,862.63	57,509.03	59,691.54	59,523.63	59,229.50
Average Shares Outstanding Diluted	56,862.63	57,509.03	59,691.54	59,523.63	59,229.50

Breakdown	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Operating Cash Flow	809,182.00	464,484.00	262,004.00	253,017.00	434,924.00
Operating Net Income	1,298,724.00	1,350,024.00	921,495.00	722,148.00	647,121.00
Deprecation and Amortization	161,594.00	94,893.00	37,386.00	45,992.00	44,236.00
Deferred Income Tax	-27,956.00	33,134.00	-19,586.00	-9,400.00	-8,828.00
Share Based Compensation	83,941.00	35,194.00	26,100.00	21,242.00	62,070.00
Change in Working Capital	17,046.00	118,220.00	8,298.00	153,024.00	34,155.00
Other Operating Activities	-724,167.00	-1,166,981.00	-711,689.00	-679,989.00	-343,830.00
Investing Cash Flow	-1,984,651.00	-2,633,209.00	-2,391,981.00	-2,980,587.00	-874,426.00
Capital Expenditure	0.00	0.00	0.00	0.00	0.00
Net Purchase/Sale of PPE	72,863.00	41,339.00	31,020.00	22,321.00	10,894.00
Net Purchase/Sale of Investments Net	141,994.00	128,262.00	90,658.00	143,733.00	122,338.00
Net Purchase/Sale of Business	0	0	5,531.00	54,597.00	0
Net Loan & Lease Activity	2,175,449.00	1,841,622.00	0	0	0
Other Investing Activities	-4,374,957.00	-4,644,432.00	-2,519,190.00	-3,201,238.00	-1,007,658.00
Financing Cash Flow	1,242,302.00	1,966,077.00	2,954,672.00	3,236,723.00	-369,961.00
Net Issuance/Repayment of Debt	30,000.00	-27,200.00	-56,800.00	425,300.00	535,652.00
Net Issuance/Repurchase of Equity	58,203.00	96,286.00	48,963.00	0	16,757.00
Dividends Paid	0	0	0	0	103.00
Other Financing Activities	1,154,099.00	1,896,991.00	2,962,509.00	2,811,423.00	-922,473.00
Net Change in Cash	66,833.00	-202,648.00	824,695.00	509,153.00	-809,463.00
Cash at Beginning of Period	2,109,521.00	2,388,424.00	1,557,391.00	1,065,546.00	1,847,240.00
Cash at End of Period	2,176,354.00	2,185,776.00	2,382,086.00	1,574,699.00	1,037,777.00
Free Cash Flow	0	0	0	0	0

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	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31
Assets	27,431,817.00	52,777,726.00	23,981,154.00	23,709,422.00	23,569,084.00	48,427,830.00	22,642,133.00	21,623,764.00	20,825,206.00	43,034,616.00	19,782,481.00	18,741,035.00	18,407,078.00	36,862,509.00	16,080,950.00	15,547,947.00	14,906,750.00	30,195,558.00	14,827,874.00	14,393,267.00
Deposits	22,264,753.00	20,829,543.00	20,136,714.00	19,934,904.00	19,973,329.00	19,359,217.00	19,103,532.00	18,203,912.00	17,565,741.00	17,123,108.00	16,738,869.00	15,690,494.00	15,176,631.00	13,946,422.00	12,733,002.00	12,269,172.00	11,747,442.00	10,815,797.00	11,612,501.00	11,463,136.00
Cash and Short-Term Investments	5,446,287.00	4,481,929.00	4,259,015.00	5,111,504.00	5,374,362.00	4,384,975.00	4,475,683.00	3,332,491.00	4,575,531.00	4,731,061.00	4,828,246.00	3,708,116.00	3,067,218.00	2,875,926.00	2,247,662.00	1,977,090.00	2,269,510.00	1,879,810.00	2,591,007.00	2,573,093.00
Cash and Cash Equivalents	5,446,287.00	4,481,929.00	4,259,015.00	5,111,504.00	5,374,362.00	4,384,975.00	4,475,683.00	3,332,491.00	4,575,531.00	4,731,061.00	4,828,246.00	3,708,116.00	3,067,218.00	2,875,926.00	2,247,662.00	1,977,090.00	2,269,510.00	1,879,810.00	2,591,007.00	2,573,093.00
Short-Term Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Receivables	73,212.00	60,072.00	93,864.00	152,616.00	87,396.00	98,892.00	97,434.00	80,808.00	48,084.00	139,218.00	47,520.00	25,752.00	56,778.00	14,120,899.00	117,666.00	164,568.00	200,064.00	11,593,422.00	12,080,215.00	11,995,306.00
Inventory	0	0	0	0	0	0	0	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	0	0	0	0	0	0	0
Property, Plant, Equipment Net	0	291,837.00	0	0	0	244,564.00	0	0	0	212,589.00	0	0	0	190,015.00	0	0	0	161,908.00	0	0
Goodwill	151,540.00	97,673.00	97,673.00	97,673.00	97,673.00	97,673.00	97,673.00	97,673.00	97,673.00	97,673.00	97,673.00	97,673.00	97,688.00	95,674.00	95,674.00	95,674.00	95,674.00	71,222.00	71,222.00	71,222.00
Intangible Assets	0	65,237.00	0	0	0	57,829.00	0	0	0	54,476.00	0	0	0	60,731.00	0	0	0	44,749.00	0	0
Long-Term Investments	0	0	0	0	0	0	0	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	0	0	0	0	0	0	0
Other Non-Current Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Liabilities	24,638,696.00	22,633,294.00	21,377,254.00	21,187,460.00	21,163,356.00	20,991,304.00	20,445,840.00	19,545,540.00	18,848,998.00	18,851,829.00	17,938,377.00	16,953,476.00	16,706,106.00	16,175,398.00	14,495,365.00	14,024,790.00	13,448,129.00	13,128,121.00	13,482,224.00	13,105,785.00
Payables and Expenses	0	0	0	0	0	0	0	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	0	0	0	0	0	0	0
Current Accrued Liabilities	0	0	0	0	0	0	0	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	0	0	0	0	186,000.00	0	0
Other Current Liabilities	0	0	0	0	0	0	0	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	0	0	0	0	0	0	0
Other Non-Current Liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Equity	2,793,121.00	30,144,432.00	2,603,900.00	2,521,962.00	2,405,728.00	27,436,526.00	2,196,293.00	2,078,224.00	1,976,208.00	24,182,787.00	1,844,104.00	1,787,559.00	1,700,972.00	20,687,111.00	1,585,585.00	1,523,157.00	1,458,621.00	17,067,437.00	1,345,650.00	1,287,482.00
Shareholders Equity	5,586,306.00	8,042,379.00	5,208,913.00	5,046,931.00	4,810,691.00	6,871,788.00	2,196,293.00	2,078,224.00	1,976,208.00	5,751,477.00	1,844,104.00	1,787,559.00	1,700,972.00	4,928,919.00	1,585,585.00	1,523,157.00	1,458,621.00	4,202,808.00	1,345,650.00	1,287,482.00
Capital Stock	714.00	711.00	708.00	706.00	706.00	702.00	700.00	698.00	698.00	695.00	694.00	692.00	692.00	689.00	686.00	684.00	684.00	681.00	679.00	677.00
Share Premium	557,740.00	548,895.00	539,905.00	528,862.00	520,795.00	510,232.00	502,489.00	493,268.00	486,676.00	479,878.00	472,933.00	465,350.00	459,101.00	453,784.00	448,428.00	441,061.00	436,528.00	432,550.00	427,663.00	420,895.00
Retained Earnings	2,730,877.00	2,618,525.00	2,507,850.00	2,402,644.00	2,297,957.00	2,185,617.00	2,080,745.00	1,970,025.00	1,818,254.00	1,735,609.00	1,648,253.00	1,568,403.00	1,486,851.00	1,428,444.00	1,370,548.00	1,308,725.00	1,247,938.00	1,187,728.00	1,133,473.00	1,079,828.00
Treasury Shares	496,274.00	487,802.00	445,676.00	413,257.00	412,965.00	403,489.00	384,577.00	381,848.00	323,032.00	292,413.00	272,203.00	239,941.00	239,902.00	237,011.00	232,451.00	228,657.00	228,529.00	222,530.00	218,458.00	215,169.00
Accumulated Other Comprehensive Income	64.00	348.00	1,113.00	3,007.00	-765.00	-2,466.00	-3,064.00	-3,919.00	-6,388.00	-6,610.00	-5,573.00	-6,945.00	-5,770.00	-2,933.00	-1,626.00	1,344.00	2,000.00	2,507.00	2,293.00	1,251.00
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	729,800.00	558,892.00	368,060.00	457,920.00	339,218.00	279,502.00	438,650.00	603,352.00	402,136.00	561,664.00	368,312.00	241,102.00	349,300.00	3,977,130.00	1,078,764.00	2,127,202.00	1,844,656.00	4,365,938.00	4,348,320.00	3,354,675.00
Debt	2,636,517.00	632,742.00	377,427.00	358,692.00	313,519.00	658,758.00	330,389.00	341,086.00	447,733.00	730,958.00	334,330.00	334,077.00	425,818.00	897,888.00	381,682.00	260,435.00	255,896.00	457,516.00	365,753.00	418,480.00
Common Shares Outstanding	56,643.55	56,483.62	56,865.52	57,097.63	57,092.22	56,894.57	57,079.43	56,898.38	58,503.98	58,943.04	59,355.12	60,000.08	59,998.67	59,777.95	59,662.79	59,498.57	59,494.63	59,317.94	59,237.76	59,072.82

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	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-03-31	2020-12-31
Revenues	0	65,789.00	0	0	0	64,641.00	0	0	0	65,261.00	0	0	0	59,434.00	0	0	0	0	0
Cost Of Revenue	0	0	0	0	0	0	0	0	0	-42,000.00	53,250.00	36,750.00	26,250.00	-18,000.00	37,500.00	24,000.00	12,000.00	67,500.00	59,400.00
Interest Income	495,120.00	-1,075,649.00	1,483,437.00	1,018,842.00	524,024.00	-726,731.00	1,298,089.00	821,942.00	395,935.00	-385,860.00	863,711.00	534,044.00	234,850.00	-290,753.00	482,566.00	319,910.00	160,593.00	471,243.00	312,284.00
Interest Expense	174,686.00	-398,145.00	525,441.00	368,183.00	192,214.00	-262,295.00	500,812.00	318,854.00	152,797.00	-7,715.00	231,341.00	122,989.00	43,311.00	-4,910.00	33,819.00	23,176.00	11,668.00	63,854.00	43,849.00
Net Interest	291,050.00	536,299.00	847,611.00	572,147.00	292,048.00	558,864.00	701,367.00	439,761.00	211,155.00	411,762.00	579,367.00	380,385.00	180,475.00	324,310.00	441,748.00	292,210.00	146,642.00	397,088.00	261,419.00
Non-Interest Income	32,340.00	103,061.00	89,781.00	56,408.00	28,609.00	73,625.00	191,799.00	158,636.00	34,507.00	81,896.00	87,783.00	55,537.00	27,208.00	62,547.00	86,263.00	57,489.00	26,702.00	88,460.00	64,573.00
Non-Interest Expense	156,246.00	-289,598.00	439,046.00	292,785.00	147,465.00	-222,316.00	375,573.00	242,345.00	120,506.00	-227,246.00	334,659.00	223,615.00	116,087.00	-150,088.00	257,269.00	170,450.00	84,431.00	232,650.00	151,843.00
Provisions for Credit Losses	0	0	0	0	0	0	0	0	0	-42,000.00	53,250.00	36,750.00	26,250.00	-18,000.00	37,500.00	24,000.00	12,000.00	67,500.00	59,400.00
Gross Profit	0	0	0	0	0	0	0	0	0	-8,989.00	0	0	0	3,934.00	0	0	0	0	0
Selling, General and Administrative Expenses	56,858.00	-98,712.00	148,131.00	99,836.00	51,141.00	-86,702.00	133,737.00	89,094.00	46,510.00	-105,253.00	134,478.00	93,239.00	52,379.00	-42,945.00	85,481.00	58,274.00	28,514.00	73,745.00	46,829.00
EBT	149,889.00	-312,917.00	457,598.00	309,522.00	159,192.00	-309,320.00	491,093.00	335,552.00	118,156.00	-165,900.00	314,741.00	200,057.00	82,846.00	-174,445.00	258,242.00	171,249.00	84,913.00	230,398.00	154,349.00
Income Tax	37,537.00	-83,925.00	135,365.00	92,495.00	46,852.00	-103,483.00	145,957.00	101,136.00	35,511.00	-66,878.00	94,932.00	60,098.00	24,439.00	-63,061.00	75,422.00	50,252.00	24,703.00	68,946.00	46,542.00
Net Income	112,352.00	-218,692.00	322,233.00	217,027.00	112,340.00	-212,189.00	345,136.00	234,416.00	82,645.00	-111,010.00	219,809.00	139,959.00	58,407.00	-123,311.00	182,820.00	120,997.00	60,210.00	161,452.00	107,807.00
EBIT	324,575.00	-711,062.00	983,039.00	677,705.00	351,406.00	-571,615.00	991,905.00	654,406.00	270,953.00	-173,615.00	546,082.00	323,046.00	126,157.00	-179,355.00	292,061.00	194,425.00	96,581.00	294,252.00	198,198.00
Deprecation and Amortization	30,040.00	-60,877.00	104,459.00	73,204.00	44,808.00	4,039.00	57,504.00	24,371.00	8,979.00	907.00	17,098.00	12,580.00	6,801.00	-6,875.00	27,018.00	17,671.00	8,178.00	26,002.00	17,371.00
EBITDA	354,615.00	-771,939.00	1,087,498.00	750,909.00	396,214.00	-567,576.00	1,049,409.00	678,777.00	279,932.00	-172,708.00	563,180.00	335,626.00	132,958.00	-186,230.00	319,079.00	212,096.00	104,759.00	320,254.00	215,569.00
EPS	0.00	-0.00	0.01	0.00	0.00	-0.00	0.01	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	0.01	0.00	0.00	0.00	0.01	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	56,512.59	56,392.62	57,029.08	57,094.15	56,934.67	55,305.01	57,699.24	58,082.83	58,949.04	58,981.37	59,930.63	59,999.57	59,854.58	59,665.04	59,542.13	59,496.49	59,390.85	59,225.41	59,278.67
Average Shares Outstanding Diluted	56,512.59	56,392.62	57,029.08	57,094.15	56,934.67	55,305.01	57,699.24	58,082.83	58,949.04	58,981.37	59,930.63	59,999.57	59,854.58	59,665.04	59,542.13	59,496.49	59,390.85	59,225.41	59,278.67

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	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-03-31	2020-12-31
Operating Cash Flow	118,433.00	198,117.00	306,979.00	233,298.00	70,788.00	21,810.00	261,710.00	147,094.00	33,870.00	-105,140.00	119,247.00	177,076.00	70,821.00	398,021.00	65,210.00	-76,773.00	-133,441.00	312,727.00	284,417.00
Operating Net Income	230,504.00	647,124.00	322,233.00	217,027.00	112,340.00	687,827.00	345,136.00	234,416.00	82,645.00	503,320.00	219,809.00	139,959.00	58,407.00	358,121.00	182,820.00	120,997.00	60,210.00	161,452.00	107,807.00
Deprecation and Amortization	30,040.00	-60,877.00	104,459.00	73,204.00	44,808.00	4,039.00	57,504.00	24,371.00	8,979.00	907.00	17,098.00	12,580.00	6,801.00	-6,875.00	27,018.00	17,671.00	8,178.00	26,002.00	17,371.00
Deferred Income Tax	38,919.00	1,818.00	-14,819.00	-15,419.00	464.00	23,581.00	-15,005.00	21,032.00	3,526.00	-13,097.00	-10,274.00	7,592.00	-3,807.00	-5,201.00	-4,184.00	-1,468.00	1,453.00	-10,388.00	-8,354.00
Share Based Compensation	10,826.00	23,075.00	30,772.00	19,855.00	10,239.00	-7,617.00	22,616.00	13,393.00	6,802.00	-9,943.00	19,154.00	11,569.00	5,320.00	-7,136.00	15,883.00	8,514.00	3,981.00	15,796.00	9,026.00
Change in Working Capital	12,469.00	285,692.00	-101,475.00	-122,874.00	-44,297.00	-149,869.00	82,242.00	71,622.00	114,225.00	-69,777.00	34,251.00	12,675.00	31,149.00	-234,841.00	134,024.00	116,058.00	137,783.00	-52,112.00	-65,881.00
Other Operating Activities	-204,325.00	-698,715.00	-34,191.00	61,505.00	-52,766.00	-536,151.00	-230,783.00	-217,740.00	-182,307.00	-516,550.00	-160,791.00	-7,299.00	-27,049.00	293,953.00	-290,351.00	-338,545.00	-345,046.00	171,977.00	224,448.00
Investing Cash Flow	-1,033,379.00	-632,060.00	-992,292.00	-314,758.00	-45,541.00	1,764,320.00	-2,155,335.00	-1,736,229.00	-505,965.00	1,977,689.00	-1,807,976.00	-1,411,404.00	-1,150,290.00	270,889.00	-1,719,834.00	-1,132,694.00	-398,948.00	-1,126,045.00	-1,015,293.00
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	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Purchase/Sale of PPE	9,149.00	-1,198.00	32,421.00	23,870.00	17,770.00	-7,657.00	25,473.00	17,031.00	6,492.00	-10,581.00	19,698.00	13,982.00	7,921.00	-2,169.00	11,817.00	8,730.00	3,943.00	8,986.00	5,815.00
Net Purchase/Sale of Investments Net	12,395.00	-116,106.00	120,791.00	97,187.00	40,122.00	58,181.00	49,003.00	15,564.00	5,514.00	40,783.00	39,735.00	9,111.00	1,029.00	-207,939.00	182,309.00	87,308.00	82,055.00	66,617.00	57,725.00
Net Purchase/Sale of Business	474,448.00	0	0	0	0	0	0	0	0	-10,540.00	5,531.00	5,531.00	5,009.00	-109,358.00	54,597.00	54,761.00	54,597.00	0	0
Net Loan & Lease Activity	2,175,449.00	1,841,622.00	0	0	0
Other Investing Activities	-2,166,535.00	-1,074,436.00	-2,274,686.00	-874,069.00	-151,766.00	-127,826.00	-2,229,811.00	-1,768,824.00	-517,971.00	1,958,027.00	-1,872,940.00	-1,440,028.00	-1,164,249.00	590,355.00	-1,968,557.00	-1,283,493.00	-539,543.00	-1,201,648.00	-1,078,833.00
Financing Cash Flow	1,624,187.00	-676,877.00	757,231.00	569,115.00	592,833.00	-1,365,923.00	1,857,450.00	970,772.00	503,778.00	-2,478,542.00	2,618,254.00	1,612,142.00	1,202,818.00	-683,532.00	1,866,161.00	1,290,048.00	764,046.00	305,754.00	223,552.00
Net Issuance/Repayment of Debt	200,000.00	-138,500.00	93,500.00	75,000.00	0	-64,500.00	-27,200.00	-21,200.00	85,700.00	135,700.00	-84,000.00	-94,000.00	-14,500.00	155,300.00	176,800.00	48,800.00	44,400.00	247,281.00	240,155.00
Net Issuance/Repurchase of Equity	0	32,334.00	25,869.00	0	0	-87,947.00	83,178.00	82,583.00	18,472.00	17,358.00	31,605.00	0	0	0	0	0	0	16,757.00	16,757.00
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	103.00	103.00
Other Financing Activities	1,424,187.00	-570,711.00	637,862.00	494,115.00	592,833.00	-1,213,476.00	1,801,472.00	909,389.00	399,606.00	-2,631,600.00	2,670,649.00	1,706,142.00	1,217,318.00	-838,832.00	1,689,361.00	1,241,248.00	719,646.00	41,613.00	-33,463.00
Net Change in Cash	709,241.00	-1,110,820.00	71,918.00	487,655.00	618,080.00	420,207.00	-36,175.00	-618,363.00	31,683.00	-605,993.00	929,525.00	377,814.00	123,349.00	-14,622.00	211,537.00	80,581.00	231,657.00	-507,564.00	-507,324.00
Cash at Beginning of Period	2,176,354.00	3,287,174.00	2,185,776.00	2,185,776.00	2,185,776.00	1,765,569.00	2,382,086.00	2,382,086.00	2,382,086.00	2,988,079.00	1,574,699.00	1,574,699.00	1,574,699.00	1,589,321.00	1,037,777.00	1,037,777.00	1,037,777.00	1,950,519.00	1,950,519.00
Cash at End of Period	2,885,595.00	2,176,354.00	2,257,694.00	2,673,431.00	2,803,856.00	2,185,776.00	2,345,911.00	1,763,723.00	2,413,769.00	2,382,086.00	2,504,224.00	1,952,513.00	1,698,048.00	1,574,699.00	1,249,314.00	1,118,358.00	1,269,434.00	1,442,955.00	1,443,195.00
Free Cash Flow	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0