BANC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Price to Earnings | 7.43 | -0.15 |
| Price to Sales | 1.38 | 0.75 |
| Book Value Per Common Share | 21.63 | 21.06 |
| Price to Book | 0.71 | 0.64 |
| Price to Operating Cash Flow | 33.65 | 8.45 |
| Price to Free Cash Flow | ||
| Enterprise Value to EBITDA | 62441.42 |
| 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 |
|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 5.52 | 9.24 | 13.64 | 15.34 | 12.78 | 31.69 | ||
| Price to Sales | 1.96 | 2.57 | 5.43 | 1.73 | 2.14 | 4.99 | ||
| Book Value Per Common Share | 22.99 | 23.27 | 22.58 | 21.63 | 22.08 | 21.58 | 21.54 | 21.06 |
| Price to Book | 0.72 | 0.60 | 0.63 | 0.71 | 0.67 | 0.59 | 0.71 | 0.64 |
| Price to Operating Cash Flow | 17.39 | 29.49 | 158.19 | -1022.92 | -43.66 | -28.93 | ||
| Price to Free Cash Flow | ||||||||
| Enterprise Value to EBITDA | 30357.16 | 39340.50 | 81080.17 | 26748.21 | 32564.12 | 75757.31 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Earning YoY | ||
| Revenue YoY | 24.11 | 16710.72 |
| EBITDA YoY | ||
| Net Profit YoY | -93.32 | 1470.33 |
| 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 |
|---|---|---|---|---|---|---|---|---|
| Earning YoY | 97.37 | 46.15 | -4.00 | 108.33 | 22757.14 | |||
| Revenue YoY | 52.25 | 102.92 | 42.93 | 96.07 | -66.06 | |||
| EBITDA YoY | 56.32 | 92.74 | 40.67 | 95.88 | ||||
| Net Profit YoY | 84.96 | 52.99 | 14.36 | 98.32 | -98.25 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Cash Per Common Share | 42.29 | 184.18 |
| Quick Ratio | ||
| Current Ratio | ||
| Debt to Equity | 4.35 | 2.37 |
| 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 |
|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 42.07 | 40.49 | 39.17 | 14.67 | 42.47 | 45.65 | 52.67 | 32.56 |
| Quick Ratio | ||||||||
| Current Ratio | ||||||||
| Debt to Equity | 8.81 | 8.99 | 8.59 | 4.35 | 8.56 | 9.34 | 9.63 | 2.37 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 |
|---|---|---|
| ROA | 0.34 | 3.76 |
| ROE | 1.81 | 12.67 |
| Gross Margin | 97.70 | 96.59 |
| Operating Margin | 58.43 | -64.06 |
| EBITDA Margin | 63.60 | -60.52 |
| Net Profit Margin | 6.71 | 124.72 |
| 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 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.45 | 0.24 | 0.16 | 0.21 | 0.17 | 0.09 | ||
| ROE | 4.37 | 2.39 | 1.52 | 2.00 | 1.80 | 0.91 | ||
| Gross Margin | 95.73 | 94.58 | 97.89 | 97.91 | 97.91 | 98.05 | ||
| Operating Margin | 55.91 | 54.23 | 57.20 | 55.42 | 56.70 | 56.97 | ||
| EBITDA Margin | 60.44 | 58.87 | 61.97 | 60.69 | 61.66 | 61.72 | ||
| Net Profit Margin | 11.14 | 9.17 | 12.17 | 4.87 | 6.09 | 6.02 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 |
|---|---|---|
| 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 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | ||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 37,439,957.00 | 50,546,278.00 | 10,710,666.00 | 11,028,296.00 | 9,320,077.00 |
| Deposits | 27,191,909.00 | 67,351,197.00 | 14,585,542.00 | 14,984,370.00 | 12,496,000.00 |
| Cash and Short-Term Investments | 7,122,627.00 | 15,727,875.00 | 483,689.00 | 559,324.00 | 582,872.00 |
| Cash and Cash Equivalents | 7,122,624.00 | 15,727,874.00 | 483,689.00 | 559,324.00 | 582,872.00 |
| Short-Term Investments | 3.00 | 1.00 | 0 | 0 | 0 |
| Net Receivables | 26,331.00 | 2,305,745.00 | 7,679.00 | 11,360.00 | 38,771,513.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 242,638.00 | 383,424.00 | 136,125.00 | 148,310.00 | 382,168.00 |
| Goodwill | 214,521.00 | 198,627.00 | 191,512.00 | 94,301.00 | 37,144.00 |
| Intangible Assets | 178,764.00 | 236,264.00 | 38,778.00 | 6,411.00 | 2,633.00 |
| Long-Term Investments | 0 | 0 | 90,295.00 | 25,888.00 | 27,977.00 |
| Non-Current Deferred Assets | 0 | 0 | 50,518.00 | 50,774.00 | 45,957.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 30,440,059.00 | 35,557,898.00 | 8,249,077.00 | 8,340,582.00 | 6,986,484.00 |
| 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 | 0 |
| 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 | 6,999,898.00 | 14,988,380.00 | 2,461,589.00 | 2,687,714.00 | 2,333,593.00 |
| Shareholders Equity | 10,499,847.00 | 10,172,295.00 | 2,878,854.00 | 3,195,870.00 | 2,691,621.00 |
| Capital Stock | 500,205.00 | 500,206.00 | 656.00 | 285,519.00 | 555,161.00 |
| Share Premium | 3,785,725.00 | 3,840,974.00 | 866,478.00 | 854,873.00 | 634,704.00 |
| Retained Earnings | -3,431,201.00 | -3,618,301.00 | 248,988.00 | 147,894.00 | 110,179.00 |
| Treasury Shares | 0 | 0 | 115,907.00 | 40,827.00 | 40,827.00 |
| Accumulated Other Comprehensive Income | -354,780.00 | -432,114.00 | -40,597.00 | 7,743.00 | 7,746.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 18,181,795.00 | 19,714,485.00 | 868,297.00 | 7,920,106.00 | 39,956,667.00 |
| Debt | 1,564,790.00 | 3,338,828.00 | 274,906.00 | 315,061.00 | 276,962.00 |
| Common Shares Outstanding | 485,479.24 | 483,017.08 | 0 | 0 | 0 |
| Preferred Shares Outstanding | 513.25 | 513.25 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 1,889,850.00 | 1,522,715.00 | 9,058.00 | 5,964.00 | 3,809.00 |
| Cost Of Revenue | 43,500.00 | 52,000.00 | 157,110.00 | 40,726.00 | 147,905.00 |
| Interest Income | 1,953,499.00 | 2,145,996.00 | 505,639.00 | 373,255.00 | 334,100.00 |
| Interest Expense | 935,672.00 | 1,235,939.00 | 58,407.00 | 37,881.00 | 66,013.00 |
| Net Interest | 926,050.00 | 1,870,541.00 | 314,365.00 | 253,778.00 | 224,594.00 |
| Non-Interest Income | 77,145.00 | -973,740.00 | 17,350.00 | 18,930.00 | 18,518.00 |
| Non-Interest Expense | 791,740.00 | 2,458,181.00 | 194,373.00 | 183,232.00 | 199,033.00 |
| Provisions for Credit Losses | 43,500.00 | 52,000.00 | -157,110.00 | 40,726.00 | 147,905.00 |
| Gross Profit | 1,846,350.00 | 1,470,715.00 | -148,052.00 | -34,762.00 | -144,096.00 |
| Selling, General and Administrative Expenses | 149,268.00 | 163,066.00 | 54,865.00 | 47,388.00 | 54,963.00 |
| EBT | 168,654.00 | -2,211,338.00 | 168,884.00 | 82,622.00 | 14,360.00 |
| Income Tax | 33,403.00 | 316,656.00 | 41,228.00 | 12,950.00 | 3,981.00 |
| Equity Method Investments Income | 0 | 0 | -2,313.00 | 0 | 0 |
| Net Income | 126,888.00 | 1,899,137.00 | 120,939.00 | 62,346.00 | 12,574.00 |
| EBIT | 1,104,326.00 | -975,399.00 | 227,291.00 | 120,503.00 | 80,373.00 |
| Deprecation and Amortization | 97,593.00 | 53,798.00 | 16,585.00 | 20,604.00 | 16,671.00 |
| EBITDA | 1,201,919.00 | -921,601.00 | 243,876.00 | 141,107.00 | 97,044.00 |
| EPS | 0.00 | -0.09 | 0.00 | 0.00 | -0.00 |
| Diluted EPS | 0.00 | -0.09 | 0.00 | 0.00 | -0.00 |
| Average Shares Outstanding Basic | 168,441.00 | 85,394.00 | 0 | 0 | 0 |
| Average Shares Outstanding Diluted | 168,684.00 | 85,394.00 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 77,374.00 | 135,768.00 | 255,080.00 | 175,085.00 | 99,762.00 |
| Operating Net Income | 126,888.00 | -1,899,137.00 | 362,817.00 | 187,038.00 | 37,722.00 |
| Deprecation and Amortization | 97,593.00 | 53,798.00 | 16,585.00 | 20,604.00 | 16,671.00 |
| Deferred Income Tax | -4,944.00 | -349,807.00 | 18,611.00 | 8,614.00 | -9,676.00 |
| Share Based Compensation | 15,448.00 | 28,697.00 | 6,962.00 | 6,071.00 | 9,050.00 |
| Change in Working Capital | -125,832.00 | 680,632.00 | -4,687.00 | -2,424.00 | -17,217.00 |
| Other Operating Activities | -31,779.00 | 1,621,585.00 | -145,208.00 | -44,818.00 | 63,212.00 |
| Investing Cash Flow | 1,891,364.00 | 12,609,145.00 | 149,403.00 | 2,150.00 | -266,915.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 13,237.00 | 24,237.00 | 4,119.00 | 2,810.00 | 5,092.00 |
| Net Purchase/Sale of Investments Net | 2,283,025.00 | 6,511,874.00 | 331,039.00 | 508,558.00 | 440,999.00 |
| Net Purchase/Sale of Business | 0 | 361,629.00 | 23,869.00 | 18,772.00 | 43,918.00 |
| Net Loan & Lease Activity | 662,358.00 | -464,057.00 | 977,698.00 | 1,255,674.00 | 285,337.00 |
| Other Investing Activities | -1,067,256.00 | 6,175,462.00 | -1,187,322.00 | -1,783,664.00 | -1,042,261.00 |
| Financing Cash Flow | -4,844,102.00 | -9,607,559.00 | -476,664.00 | -209,086.00 | 78,535.00 |
| Net Issuance/Repayment of Debt | 1,100,000.00 | 0 | 325,000.00 | 25,000.00 | 611,140.00 |
| Net Issuance/Repurchase of Equity | 308.00 | 765,869.00 | 347,566.00 | 187,138.00 | 32,840.00 |
| Dividends Paid | 108,086.00 | 88,669.00 | 32,434.00 | 42,330.00 | 51,432.00 |
| Other Financing Activities | -6,052,496.00 | -10,462,097.00 | -1,181,664.00 | -463,554.00 | -616,877.00 |
| Net Change in Cash | -2,875,364.00 | 3,137,354.00 | -72,181.00 | -31,851.00 | -88,618.00 |
| Cash at Beginning of Period | 5,377,576.00 | 2,240,222.00 | 301,077.00 | 259,974.00 | 309,437.00 |
| Cash at End of Period | 2,502,212.00 | 5,377,576.00 | 228,896.00 | 228,123.00 | 220,819.00 |
| 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 | 34,012,965.00 | 34,250,453.00 | 33,779,918.00 | 37,439,957.00 | 33,432,613.00 | 35,243,839.00 | 36,073,516.00 | 50,546,278.00 | 9,510,351.00 | 9,635,505.00 | 10,308,300.00 | 10,710,666.00 | 9,644,628.00 | 9,779,388.00 | 9,868,058.00 | 11,028,296.00 | 10,040,737.00 | 8,299,084.00 | 8,208,479.00 | 9,320,077.00 |
| Deposits | 27,184,765.00 | 27,528,433.00 | 27,193,191.00 | 27,191,909.00 | 26,828,269.00 | 28,804,450.00 | 28,892,407.00 | 67,351,197.00 | 6,640,630.00 | 6,871,076.00 | 6,951,974.00 | 14,585,542.00 | 7,280,385.00 | 7,558,683.00 | 7,479,701.00 | 14,984,370.00 | 14,376,450.00 | 6,206,544.00 | 6,142,042.00 | 12,496,000.00 |
| Cash and Short-Term Investments | 6,784,070.00 | 6,616,238.00 | 6,600,487.00 | 7,122,627.00 | 7,158,944.00 | 7,689,497.00 | 8,855,841.00 | 15,727,875.00 | 310,985.00 | 283,729.00 | 1,010,951.00 | 483,689.00 | 256,058.00 | 243,064.00 | 254,241.00 | 559,324.00 | 185,840.00 | 163,332.00 | 379,509.00 | 582,872.00 |
| Cash and Cash Equivalents | 6,784,067.00 | 6,616,236.00 | 6,600,485.00 | 7,122,624.00 | 7,158,943.00 | 7,689,496.00 | 8,855,840.00 | 15,727,874.00 | 310,985.00 | 283,729.00 | 1,010,951.00 | 483,689.00 | 256,058.00 | 243,064.00 | 254,241.00 | 559,324.00 | 185,840.00 | 163,332.00 | 379,509.00 | 582,872.00 |
| Short-Term Investments | 3.00 | 2.00 | 2.00 | 3.00 | 1.00 | 1.00 | 1.00 | 1.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 24,081,595.00 | 24,482,120.00 | 23,917,338.00 | 26,331.00 | 28,639.00 | 1,935,455.00 | 80,752.00 | 2,305,745.00 | 0 | 0 | 133.00 | 7,679.00 | 3,430.00 | 4,563.00 | 1,045.00 | 11,360.00 | 3,422.00 | 2,853.00 | 52,668,440.00 | 38,771,513.00 |
| 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 | 234,286.00 | 243,538.00 | 238,063.00 | 242,638.00 | 247,373.00 | 259,592.00 | 270,295.00 | 383,424.00 | 363,232.00 | 368,017.00 | 371,111.00 | 136,125.00 | 377,776.00 | 383,252.00 | 388,081.00 | 148,310.00 | 378,037.00 | 375,965.00 | 381,183.00 | 382,168.00 |
| Real Estate | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 882.00 | 882.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6,553.00 | 0 | 0 |
| Goodwill | 214,521.00 | 214,521.00 | 214,521.00 | 214,521.00 | 216,770.00 | 215,925.00 | 198,627.00 | 198,627.00 | 114,312.00 | 114,312.00 | 114,312.00 | 191,512.00 | 114,312.00 | 95,127.00 | 95,127.00 | 94,301.00 | 37,144.00 | 37,144.00 | 37,144.00 | 37,144.00 |
| Intangible Assets | 111,923.00 | 118,930.00 | 125,937.00 | 178,764.00 | 236,264.00 | 236,264.00 | 236,264.00 | 236,264.00 | 38,778.00 | 38,778.00 | 38,778.00 | 38,778.00 | 38,778.00 | 4,677.00 | 4,990.00 | 6,411.00 | 1,787.00 | 2,069.00 | 2,351.00 | 2,633.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 94,273.00 | 94,703.00 | 92,637.00 | 90,295.00 | 22,401.00 | 23,531.00 | 25,156.00 | 25,888.00 | 25,196.00 | 24,068.00 | 23,809.00 | 27,977.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 51,461.00 | 64,001.00 | 54,450.00 | 50,518.00 | 56,376.00 | 54,455.00 | 51,516.00 | 50,774.00 | 40,659.00 | 41,628.00 | 47,877.00 | 45,957.00 |
| 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 | 30,546,226.00 | 30,823,610.00 | 30,258,262.00 | 30,440,059.00 | 29,936,415.00 | 31,835,991.00 | 32,679,366.00 | 35,557,898.00 | 8,256,803.00 | 8,424,637.00 | 9,091,594.00 | 8,249,077.00 | 8,425,608.00 | 8,562,275.00 | 8,616,618.00 | 8,340,582.00 | 7,440,168.00 | 7,204,237.00 | 7,135,113.00 | 6,986,484.00 |
| 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 | 190,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 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 | 3,466,739.00 | 3,426,843.00 | 3,521,656.00 | 6,999,898.00 | 3,496,198.00 | 3,407,848.00 | 3,394,150.00 | 14,988,380.00 | 1,253,548.00 | 1,210,868.00 | 1,216,706.00 | 2,461,589.00 | 1,219,020.00 | 1,217,113.00 | 1,251,440.00 | 2,687,714.00 | 2,600,569.00 | 1,094,847.00 | 1,073,366.00 | 2,333,593.00 |
| Shareholders Equity | 3,466,739.00 | 3,426,843.00 | 3,521,656.00 | 10,499,847.00 | 3,496,198.00 | 3,407,848.00 | 3,394,150.00 | 10,172,295.00 | 1,001,720.00 | 957,054.00 | 958,907.00 | 2,878,854.00 | 951,990.00 | 949,130.00 | 979,009.00 | 3,195,870.00 | 844,803.00 | 829,362.00 | 804,693.00 | 2,691,621.00 |
| Capital Stock | 500,025.00 | 499,990.00 | 500,077.00 | 500,205.00 | 500,102.00 | 500,099.00 | 500,099.00 | 500,206.00 | 658.00 | 658.00 | 658.00 | 656.00 | 657.00 | 652.00 | 651.00 | 285,519.00 | 285,400.00 | 285,400.00 | 285,399.00 | 555,161.00 |
| Share Premium | 3,563,145.00 | 3,609,109.00 | 3,732,376.00 | 3,785,725.00 | 3,802,314.00 | 3,813,312.00 | 3,827,777.00 | 3,840,974.00 | 869,565.00 | 867,994.00 | 866,306.00 | 866,478.00 | 864,806.00 | 856,079.00 | 855,198.00 | 854,873.00 | 631,512.00 | 630,654.00 | 629,844.00 | 634,704.00 |
| Retained Earnings | -309,460.00 | -369,142.00 | -387,580.00 | -3,431,201.00 | -478,173.00 | -477,010.00 | -497,396.00 | -3,618,301.00 | 312,219.00 | 275,430.00 | 263,524.00 | 248,988.00 | 231,084.00 | 210,471.00 | 187,457.00 | 147,894.00 | 147,682.00 | 129,307.00 | 115,004.00 | 110,179.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 137,269.00 | 137,270.00 | 121,092.00 | 115,907.00 | 96,978.00 | 84,013.00 | 45,125.00 | 40,827.00 | 40,827.00 | 40,827.00 | 40,827.00 | 40,827.00 |
| Accumulated Other Comprehensive Income | -287,017.00 | -313,217.00 | -323,320.00 | -354,780.00 | -328,148.00 | -428,659.00 | -436,436.00 | -432,114.00 | -43,453.00 | -49,758.00 | -50,489.00 | -40,597.00 | -47,579.00 | -34,059.00 | -19,172.00 | 7,743.00 | 10,948.00 | 14,740.00 | 5,185.00 | 7,746.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 19,450,132.00 | 18,202,186.00 | 18,805,648.00 | 18,181,795.00 | 18,548,374.00 | 18,137,305.00 | 18,428,072.00 | 19,714,485.00 | 353,125.00 | 922,091.00 | 958,427.00 | 868,297.00 | 22,401.00 | 23,531.00 | 25,156.00 | 7,920,106.00 | 25,196.00 | 24,068.00 | 54,223,888.00 | 39,956,667.00 |
| Debt | 2,005,022.00 | 1,917,180.00 | 1,670,782.00 | 1,564,790.00 | 1,591,833.00 | 1,440,875.00 | 2,139,498.00 | 3,338,828.00 | 274,279.00 | 274,121.00 | 274,995.00 | 274,906.00 | 309,683.00 | 312,087.00 | 313,727.00 | 315,061.00 | 287,096.00 | 278,142.00 | 279,614.00 | 276,962.00 |
| Net Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 53,625.00 | 69,023.00 | 59,486.00 | 0 | 101,256.00 | 114,810.00 | 0 | 0 |
| Common Shares Outstanding | 150,826.21 | 147,295.43 | 155,947.50 | 485,479.24 | 158,328.02 | 157,941.82 | 157,608.89 | 483,017.08 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Shares Outstanding | 513.25 | 513.25 | 513.25 | 513.25 | 513.25 | 513.25 | 513.25 | 513.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 1,360,273.00 | 893,447.00 | 440,305.00 | -1,063,913.00 | 1,436,342.00 | 1,004,901.00 | 512,520.00 | 1,510,289.00 | 6,278.00 | 4,140.00 | 2,008.00 | -4,550.00 | 6,770.00 | 4,572.00 | 2,266.00 | -2,219.00 | 4,208.00 | 2,699.00 | 1,276.00 |
| Cost Of Revenue | 58,100.00 | 48,400.00 | 9,300.00 | -17,500.00 | 30,000.00 | 21,000.00 | 10,000.00 | -19,912.00 | 42,956.00 | 17,956.00 | 11,000.00 | -317,820.00 | 159,310.00 | 158,310.00 | 157,310.00 | -8,870.00 | 26,140.00 | 17,567.00 | 5,889.00 |
| Interest Income | 1,373,474.00 | 902,642.00 | 444,517.00 | -1,060,177.00 | 1,491,237.00 | 1,009,432.00 | 513,007.00 | 1,443,749.00 | 355,616.00 | 235,120.00 | 111,511.00 | -27,038.00 | 272,870.00 | 174,812.00 | 84,995.00 | -48,429.00 | 212,436.00 | 139,858.00 | 69,390.00 |
| Interest Expense | 547,181.00 | 363,584.00 | 178,791.00 | -494,054.00 | 697,421.00 | 482,703.00 | 249,602.00 | 994,299.00 | 127,389.00 | 80,385.00 | 33,866.00 | -1,880.00 | 34,512.00 | 17,947.00 | 7,828.00 | -22,700.00 | 29,347.00 | 20,532.00 | 10,702.00 |
| Net Interest | 726,024.00 | 472,580.00 | 232,364.00 | -452,407.00 | 690,765.00 | 458,590.00 | 229,102.00 | 1,442,900.00 | 211,903.00 | 142,685.00 | 73,053.00 | -150,964.00 | 234,148.00 | 154,740.00 | 76,441.00 | -102,640.00 | 180,739.00 | 117,763.00 | 57,916.00 |
| Non-Interest Income | 100,568.00 | 66,283.00 | 33,650.00 | -68,435.00 | 48,156.00 | 63,608.00 | 33,816.00 | -1,060,143.00 | 64,661.00 | 13,883.00 | 7,859.00 | -20,433.00 | 18,777.00 | 13,096.00 | 5,910.00 | -8,072.00 | 14,070.00 | 8,551.00 | 4,381.00 |
| Non-Interest Expense | 555,206.00 | 369,522.00 | 183,653.00 | -443,309.00 | 610,370.00 | 414,161.00 | 210,518.00 | 2,150,036.00 | 156,535.00 | 100,371.00 | 51,239.00 | -93,601.00 | 146,170.00 | 95,208.00 | 46,596.00 | -75,902.00 | 125,105.00 | 87,294.00 | 46,735.00 |
| Provisions for Credit Losses | 58,100.00 | 48,400.00 | 9,300.00 | -17,500.00 | 30,000.00 | 21,000.00 | 10,000.00 | -19,912.00 | 42,956.00 | 17,956.00 | 11,000.00 | 317,820.00 | -159,310.00 | -158,310.00 | -157,310.00 | 90,322.00 | -26,140.00 | -17,567.00 | -5,889.00 |
| Gross Profit | 1,302,173.00 | 845,047.00 | 431,005.00 | -1,046,413.00 | 1,406,342.00 | 983,901.00 | 502,520.00 | 1,530,201.00 | -36,678.00 | -13,816.00 | -8,992.00 | 313,270.00 | -152,540.00 | -153,738.00 | -155,044.00 | 6,651.00 | -21,932.00 | -14,868.00 | -4,613.00 |
| Selling, General and Administrative Expenses | 103,918.00 | 69,574.00 | 34,622.00 | -79,297.00 | 113,546.00 | 76,558.00 | 38,461.00 | 95,926.00 | 33,528.00 | 22,451.00 | 11,161.00 | -25,290.00 | 41,210.00 | 26,355.00 | 12,590.00 | -22,819.00 | 33,500.00 | 23,716.00 | 12,991.00 |
| EBT | 213,286.00 | 120,941.00 | 73,061.00 | -59,334.00 | 98,551.00 | 87,037.00 | 42,400.00 | -2,402,437.00 | 111,129.00 | 52,297.00 | 27,673.00 | -140,880.00 | 138,297.00 | 104,170.00 | 67,297.00 | -50,440.00 | 74,112.00 | 42,281.00 | 16,669.00 |
| Income Tax | 61,704.00 | 38,988.00 | 19,493.00 | -32,579.00 | 28,582.00 | 25,852.00 | 11,548.00 | 266,095.00 | 29,950.00 | 13,683.00 | 6,928.00 | -44,494.00 | 38,384.00 | 28,599.00 | 18,739.00 | -15,717.00 | 17,517.00 | 8,856.00 | 2,294.00 |
| Equity Method Investments Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,548.00 | -1,582.00 | -1,618.00 | 751.00 | -1,705.00 | -1,201.00 | -158.00 | 0 | -1,016.00 | -2,801.00 | -3,630.00 |
| Net Income | 151,582.00 | 81,953.00 | 53,568.00 | -35,118.00 | 69,969.00 | 61,185.00 | 30,852.00 | 1,759,971.00 | 80,731.00 | 38,157.00 | 20,278.00 | -102,217.00 | 99,420.00 | 75,224.00 | 48,512.00 | -42,049.00 | 56,595.00 | 33,425.00 | 14,375.00 |
| EBIT | 760,467.00 | 484,525.00 | 251,852.00 | -553,388.00 | 795,972.00 | 569,740.00 | 292,002.00 | -1,408,138.00 | 238,518.00 | 132,682.00 | 61,539.00 | -142,760.00 | 172,809.00 | 122,117.00 | 75,125.00 | -73,140.00 | 103,459.00 | 62,813.00 | 27,371.00 |
| Deprecation and Amortization | 61,644.00 | 41,404.00 | 21,014.00 | -52,391.00 | 75,718.00 | 49,921.00 | 24,345.00 | 29,992.00 | 12,056.00 | 7,400.00 | 4,350.00 | -8,471.00 | 11,679.00 | 8,841.00 | 4,536.00 | -1,738.00 | 11,076.00 | 7,531.00 | 3,735.00 |
| EBITDA | 822,111.00 | 525,929.00 | 272,866.00 | -605,779.00 | 871,690.00 | 619,661.00 | 316,347.00 | -1,378,146.00 | 250,574.00 | 140,082.00 | 65,889.00 | -151,231.00 | 184,488.00 | 130,958.00 | 79,661.00 | -74,878.00 | 114,535.00 | 70,344.00 | 31,106.00 |
| 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 | 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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 161,276.00 | 163,396.00 | 168,495.00 | 168,606.00 | 168,583.00 | 168,432.00 | 168,143.00 | 85,394.00 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 |
| Average Shares Outstanding Diluted | 161,993.00 | 163,667.00 | 169,434.00 | 169,578.00 | 168,583.00 | 168,432.00 | 168,143.00 | 85,394.00 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0.00 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 153,517.00 | 77,836.00 | 15,122.00 | 217,485.00 | -2,422.00 | -49,293.00 | -88,396.00 | -19,768.00 | 94,027.00 | 50,436.00 | 11,073.00 | 64,160.00 | 110,507.00 | 75,148.00 | 5,265.00 | 11,361.00 | 75,699.00 | 64,089.00 | 23,936.00 |
| Operating Net Income | 151,582.00 | 81,953.00 | 53,568.00 | -35,118.00 | 69,969.00 | 61,185.00 | 30,852.00 | -2,038,303.00 | 80,731.00 | 38,157.00 | 20,278.00 | 139,661.00 | 99,420.00 | 75,224.00 | 48,512.00 | 82,643.00 | 56,595.00 | 33,425.00 | 14,375.00 |
| Deprecation and Amortization | 61,644.00 | 41,404.00 | 21,014.00 | -52,391.00 | 75,718.00 | 49,921.00 | 24,345.00 | 29,992.00 | 12,056.00 | 7,400.00 | 4,350.00 | -8,471.00 | 11,679.00 | 8,841.00 | 4,536.00 | -1,738.00 | 11,076.00 | 7,531.00 | 3,735.00 |
| Deferred Income Tax | 0 | 0 | 0 | -4,944.00 | 0 | 0 | 0 | -348,674.00 | -2,075.00 | 1,669.00 | -727.00 | 15,985.00 | -1,547.00 | 975.00 | 3,198.00 | 14,898.00 | -3,476.00 | -1,963.00 | -845.00 |
| Share Based Compensation | 18,042.00 | 11,932.00 | 5,495.00 | -11,789.00 | 14,013.00 | 8,568.00 | 4,656.00 | 19,299.00 | 4,762.00 | 3,181.00 | 1,455.00 | -1,572.00 | 4,482.00 | 2,767.00 | 1,285.00 | -2,343.00 | 3,988.00 | 2,882.00 | 1,544.00 |
| Change in Working Capital | -38,418.00 | -28,605.00 | -12,301.00 | 112,642.00 | -124,162.00 | -82,733.00 | -31,579.00 | 656,548.00 | -6,223.00 | 15,319.00 | 14,988.00 | 37,923.00 | -29,662.00 | -26,514.00 | 13,566.00 | 4,378.00 | -5,063.00 | 3,246.00 | -4,985.00 |
| Other Operating Activities | -39,333.00 | -28,848.00 | -52,654.00 | 209,085.00 | -37,960.00 | -86,234.00 | -116,670.00 | 1,661,370.00 | 4,776.00 | -15,290.00 | -29,271.00 | -119,366.00 | 26,135.00 | 13,855.00 | -65,832.00 | -86,477.00 | 12,579.00 | 18,968.00 | 10,112.00 |
| Investing Cash Flow | -592,756.00 | -878,282.00 | -384,739.00 | -872,747.00 | 2,157,366.00 | 499,343.00 | 107,402.00 | 12,750,278.00 | 43,661.00 | -130,355.00 | -54,439.00 | 428,450.00 | 10,785.00 | -134,859.00 | -154,973.00 | 536,001.00 | -416,973.00 | -206,233.00 | 89,355.00 |
| 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 | 2,979.00 | 2,794.00 | 1,525.00 | -4,397.00 | 9,049.00 | 6,641.00 | 1,944.00 | 8,710.00 | 7,881.00 | 5,016.00 | 2,630.00 | -347.00 | 2,556.00 | 1,381.00 | 529.00 | -2,013.00 | 2,256.00 | 1,718.00 | 849.00 |
| Net Purchase/Sale of Investments Net | 775,256.00 | 376,604.00 | 246,434.00 | 579,629.00 | 1,563,134.00 | 90,187.00 | 50,075.00 | 6,166,654.00 | 121,740.00 | 121,740.00 | 101,740.00 | 153,603.00 | 83,645.00 | 71,145.00 | 22,646.00 | -221,991.00 | 350,661.00 | 327,043.00 | 52,845.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 346,122.00 | 7,701.00 | 6,117.00 | 1,689.00 | -6,143.00 | 20,144.00 | 5,974.00 | 3,894.00 | 1,806.00 | 12,047.00 | 4,043.00 | 876.00 |
| Net Loan & Lease Activity | 662,358.00 | -464,057.00 | 977,698.00 | 1,255,674.00 | 285,337.00 | ||||||||||||||
| Other Investing Activities | -2,115,835.00 | -2,206,730.00 | -970,049.00 | -1,406,312.00 | 185,517.00 | 301,113.00 | -147,574.00 | 7,013,732.00 | -286,765.00 | -272,505.00 | -279,000.00 | 789,081.00 | -906,104.00 | -690,011.00 | -380,288.00 | 330,726.00 | -1,067,801.00 | -814,008.00 | -232,581.00 |
| Financing Cash Flow | 335,292.00 | 651,786.00 | 211,294.00 | 5,574,361.00 | -4,978,293.00 | -3,128,816.00 | -2,311,354.00 | -10,512,133.00 | -55,599.00 | 134,752.00 | 825,421.00 | -633,785.00 | -93,357.00 | 74,652.00 | 175,826.00 | -645,437.00 | 306,295.00 | 84,657.00 | 45,399.00 |
| Net Issuance/Repayment of Debt | 966,967.00 | 876,184.00 | 280,856.00 | -6,471,841.00 | 3,522,278.00 | 2,675,372.00 | 1,374,191.00 | 0 | -84,882.00 | 100,920.00 | 100,000.00 | 348,000.00 | 215,000.00 | -73,000.00 | -165,000.00 | 250,000.00 | -100,000.00 | -125,000.00 | 0 |
| Net Issuance/Repurchase of Equity | 187,941.00 | 151,989.00 | 39,003.00 | -153.00 | 243.00 | 148.00 | 70.00 | 719,726.00 | 21,382.00 | 21,363.00 | 3,398.00 | -52,178.00 | 154,854.00 | 141,889.00 | 103,001.00 | -93,569.00 | 93,569.00 | 93,569.00 | 93,569.00 |
| Dividends Paid | 79,544.00 | 53,466.00 | 27,258.00 | -52,636.00 | 80,208.00 | 53,881.00 | 26,633.00 | 54,279.00 | 17,218.00 | 11,526.00 | 5,646.00 | 5,098.00 | 12,710.00 | 9,147.00 | 5,479.00 | 9,609.00 | 15,656.00 | 10,891.00 | 6,174.00 |
| Other Financing Activities | -899,160.00 | -429,853.00 | -135,823.00 | 12,098,991.00 | -8,581,022.00 | -5,858,217.00 | -3,712,248.00 | -11,170,100.00 | -9,317.00 | 943.00 | 716,377.00 | -934,705.00 | -475,921.00 | -3,384.00 | 232,346.00 | -811,477.00 | 297,070.00 | 105,197.00 | -54,344.00 |
| Net Change in Cash | -103,947.00 | -148,660.00 | -158,323.00 | 4,919,099.00 | -2,823,349.00 | -2,678,766.00 | -2,292,348.00 | 2,218,377.00 | 82,089.00 | 54,833.00 | 782,055.00 | -141,175.00 | 27,935.00 | 14,941.00 | 26,118.00 | -98,075.00 | -34,979.00 | -57,487.00 | 158,690.00 |
| Cash at Beginning of Period | 2,502,212.00 | 2,502,212.00 | 2,502,212.00 | -2,416,887.00 | 5,377,576.00 | 5,377,576.00 | 5,377,576.00 | 3,159,199.00 | 228,896.00 | 228,896.00 | 228,896.00 | 370,071.00 | 228,123.00 | 228,123.00 | 228,123.00 | 326,198.00 | 220,819.00 | 220,819.00 | 220,819.00 |
| Cash at End of Period | 2,398,265.00 | 2,353,552.00 | 2,343,889.00 | 2,502,212.00 | 2,554,227.00 | 2,698,810.00 | 3,085,228.00 | 5,377,576.00 | 310,985.00 | 283,729.00 | 1,010,951.00 | 228,896.00 | 256,058.00 | 243,064.00 | 254,241.00 | 228,123.00 | 185,840.00 | 163,332.00 | 379,509.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |