BBT
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | |||||
| Price to Sales | |||||
| Book Value Per Common Share | 73.15 | 66.52 | 60.44 | 72.82 | 70.71 |
| Price to Book | |||||
| Price to Operating Cash Flow | |||||
| Price to Free Cash Flow | |||||
| 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 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | -237.10 | |||||||||||||||||||
| Price to Sales | 213.41 | |||||||||||||||||||
| Book Value Per Common Share | 54.21 | 50.83 | 49.56 | 73.15 | 47.73 | 44.49 | 43.89 | 66.52 | 38.42 | 39.98 | 41.25 | 60.44 | 37.67 | 41.61 | 44.14 | 72.82 | 48.57 | 46.89 | 46.30 | 70.71 |
| Price to Book | 0.44 | |||||||||||||||||||
| Price to Operating Cash Flow | 36.83 | |||||||||||||||||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 101057.95 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -10.56 | -20.69 | -15.77 | ||
| Revenue YoY | -2.87 | -0.41 | -4.81 | 13.40 | |
| EBITDA YoY | 18.27 | 70.41 | -14.54 | ||
| Net Profit YoY | -12.35 | -24.79 | -22.02 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 119.64 | 977.78 | 38.98 | 87.30 | 45.16 | 121.43 | 186.96 | 165.38 | ||||||||||||
| Revenue YoY | -95.61 | 102.92 | 76.50 | 195.65 | 48.13 | 96.24 | 57.79 | 108.88 | 72.98 | 96.17 | ||||||||||
| EBITDA YoY | 4.40 | 107.86 | 84.63 | 252.65 | 54.14 | 117.46 | 52.76 | 112.24 | 120.25 | 125.84 | ||||||||||
| Net Profit YoY | 118.07 | 62.57 | 72.10 | 37.95 | 86.34 | 43.22 | 114.45 | 183.89 | 166.03 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 57.06 | 58.01 | 32.21 | 68.50 | 63.83 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 4.51 | 5.31 | 5.27 | 4.21 | 4.71 |
| 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 | 13.78 | 17.66 | 18.20 | 52.25 | 13.56 | 25.96 | 28.04 | 57.72 | 15.42 | 14.85 | 23.19 | 33.08 | 15.24 | 18.79 | 33.88 | 69.31 | 42.94 | 36.47 | 37.93 | 63.13 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 8.45 | 8.85 | 9.04 | 4.51 | 9.84 | 11.06 | 11.03 | 5.31 | 11.77 | 11.42 | 11.38 | 5.27 | 11.01 | 10.42 | 10.06 | 4.21 | 9.06 | 9.44 | 9.86 | 4.71 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.45 | 0.51 | 0.73 | 0.92 | |
| ROE | 2.47 | 3.24 | 4.55 | 4.82 | |
| Gross Margin | 94.00 | 92.23 | 97.34 | 99.88 | 80.14 |
| Operating Margin | 86.89 | 70.88 | 39.54 | 44.27 | -113.47 |
| EBITDA Margin | 89.80 | 73.75 | 43.10 | 48.01 | -108.75 |
| Net Profit Margin | 15.25 | 16.90 | 22.38 | 27.32 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | -0.04 | 0.47 | 0.21 | 0.36 | 0.20 | -0.17 | 0.59 | 0.43 | 0.22 | 0.55 | 0.37 | 0.17 | 0.83 | 0.28 | 0.10 | |||||
| ROE | -0.38 | 4.59 | 2.15 | 3.86 | 2.37 | -2.00 | 7.47 | 5.29 | 2.78 | 6.58 | 4.27 | 1.85 | 8.35 | 2.95 | 1.11 | |||||
| Gross Margin | 95.76 | 95.02 | 93.79 | 92.39 | 89.20 | 92.47 | 92.41 | 92.12 | 99.66 | 97.87 | 95.55 | 98.84 | 96.74 | 93.59 | ||||||
| Operating Margin | 2033.37 | 86.66 | 84.47 | 86.96 | 82.11 | 67.60 | 69.29 | 66.41 | 59.41 | 34.30 | 35.32 | 34.49 | 45.41 | 34.32 | 29.32 | |||||
| EBITDA Margin | 2112.16 | 88.81 | 86.70 | 90.13 | 86.16 | 72.23 | 72.01 | 69.20 | 62.45 | 38.06 | 39.31 | 38.69 | 48.99 | 38.48 | 33.42 | |||||
| Net Profit Margin | -92.64 | 25.03 | 23.29 | 14.27 | 14.63 | -36.35 | 21.41 | 22.99 | 24.21 | 20.97 | 23.11 | 22.50 | 28.63 | 17.45 | 12.87 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| 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 | 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 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 13,571,245.00 | 13,567,711.00 | 12,741,136.00 | 12,836,511.00 | 14,124,624.00 |
| Deposits | 20,774,808.00 | 21,291,768.00 | 20,676,838.00 | 20,284,306.00 | 20,608,816.00 |
| Cash and Short-Term Investments | 2,425,681.00 | 2,511,082.00 | 1,467,440.00 | 3,372,914.00 | 3,208,968.00 |
| Cash and Cash Equivalents | 2,420,423.00 | 2,504,940.00 | 1,460,732.00 | 3,364,560.00 | 3,199,260.00 |
| Short-Term Investments | 5,258.00 | 6,142.00 | 6,708.00 | 8,354.00 | 9,708.00 |
| Net Receivables | 49,410.00 | 53,096.00 | 46,868.00 | 33,534.00 | 35,559,041.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 106,804.00 | 116,263.00 | 131,628.00 | 146,563.00 | 172,681.00 |
| Real Estate | 0 | 0 | 0 | 0 | 447.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 15,064.00 | 19,664.00 | 24,483.00 | 29,619.00 | 34,819.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 97,449.00 | 110,068.00 | 118,331.00 | 52,620.00 | 46,370.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 11,105,984.00 | 11,418,600.00 | 10,708,802.00 | 10,372,478.00 | 11,650,240.00 |
| 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 | 103,500.00 | 260,000.00 | 0 | 0 | 40,000.00 |
| 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 | 2,465,261.00 | 2,149,111.00 | 2,032,334.00 | 2,464,033.00 | 2,474,384.00 |
| Shareholders Equity | 3,395,929.00 | 2,893,647.00 | 2,681,134.00 | 3,544,062.00 | 3,594,190.00 |
| Capital Stock | 562.00 | 528.00 | 528.00 | 528.00 | 528.00 |
| Share Premium | 1,430,532.00 | 1,423,273.00 | 1,424,183.00 | 1,423,445.00 | 1,427,239.00 |
| Retained Earnings | -3,080.00 | -33,136.00 | -71,428.00 | -139,383.00 | -233,344.00 |
| Treasury Shares | 144,141.00 | 225,319.00 | 209,571.00 | 89,856.00 | 31,276.00 |
| Accumulated Other Comprehensive Income | -106,343.00 | -143,016.00 | -181,052.00 | -3,243.00 | 30,871.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 1,200,030.00 | 1,632,809.00 | 2,059,708.00 | 2,580,856.00 | 41,790,438.00 |
| Debt | 450,224.00 | 762,726.00 | 121,064.00 | 97,513.00 | 274,560.00 |
| Common Shares Outstanding | 46,424.02 | 43,500.87 | 44,361.22 | 48,667.11 | 50,833.09 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 400,000.00 | 411,829.00 | 413,534.00 | 434,414.00 | 383,089.00 |
| Cost Of Revenue | 23,999.00 | 31,999.00 | 11,000.00 | 501.00 | 76,083.00 |
| Interest Income | 671,349.00 | 640,063.00 | 439,202.00 | 375,966.00 | 461,549.00 |
| Interest Expense | 268,049.00 | 213,581.00 | 49,704.00 | 43,292.00 | 98,335.00 |
| Net Interest | 351,586.00 | 369,047.00 | 344,597.00 | 291,166.00 | 316,782.00 |
| Non-Interest Income | -1,523.00 | 17,725.00 | 68,943.00 | 143,248.00 | 66,302.00 |
| Non-Interest Expense | 305,607.00 | 301,508.00 | 288,716.00 | 285,893.00 | 840,239.00 |
| Provisions for Credit Losses | 23,999.00 | 31,999.00 | 11,000.00 | -501.00 | 76,083.00 |
| Gross Profit | 376,001.00 | 379,830.00 | 402,534.00 | 433,913.00 | 307,006.00 |
| Selling, General and Administrative Expenses | 55,224.00 | 58,898.00 | 52,732.00 | 52,412.00 | 47,974.00 |
| EBT | 79,515.00 | 78,322.00 | 113,818.00 | 149,021.00 | -533,028.00 |
| Income Tax | 2,314.00 | 754.00 | 18,701.00 | 28,221.00 | 56,452.00 |
| Net Income | 61,003.00 | 69,598.00 | 92,533.00 | 118,664.00 | 0 |
| EBIT | 347,564.00 | 291,903.00 | 163,522.00 | 192,313.00 | -434,693.00 |
| Deprecation and Amortization | 11,647.00 | 11,814.00 | 14,710.00 | 16,235.00 | 18,100.00 |
| EBITDA | 359,211.00 | 303,717.00 | 178,232.00 | 208,548.00 | -416,593.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | -0.01 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 | -0.01 |
| Average Shares Outstanding Basic | 42,508.00 | 43,288.00 | 45,564.00 | 49,240.00 | 50,270.00 |
| Average Shares Outstanding Diluted | 42,761.00 | 43,504.00 | 45,914.00 | 49,554.00 | 50,270.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 138,473.00 | 220,995.00 | 353,275.00 | 328,825.00 | 496,518.00 |
| Operating Net Income | 183,009.00 | 208,794.00 | 277,599.00 | 355,992.00 | -1,599,051.00 |
| Deprecation and Amortization | 11,647.00 | 11,814.00 | 14,710.00 | 16,235.00 | 18,100.00 |
| Deferred Income Tax | 375.00 | -4,369.00 | -3,461.00 | 5,237.00 | 4,012.00 |
| Share Based Compensation | 8,318.00 | 7,498.00 | 7,338.00 | 4,170.00 | 4,727.00 |
| Change in Working Capital | 0 | 0 | -818.00 | -776.00 | -734.00 |
| Other Operating Activities | -64,876.00 | -2,742.00 | 57,907.00 | -52,033.00 | 2,069,464.00 |
| Investing Cash Flow | -317,250.00 | -284,461.00 | -1,273,380.00 | 600,721.00 | 645,524.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 4,568.00 | 1,820.00 | 1,495.00 | 1,606.00 | 7,208.00 |
| Net Purchase/Sale of Investments Net | 676,821.00 | 570,334.00 | 1,244,662.00 | 1,651,630.00 | 1,651,097.00 |
| Net Purchase/Sale of Business | 314,712.00 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 493,724.00 | 649,000.00 | 1,559,012.00 | -1,262,521.00 | -1,054,029.00 |
| Other Investing Activities | -1,807,075.00 | -1,505,615.00 | -4,078,549.00 | 210,006.00 | 41,248.00 |
| Financing Cash Flow | 169,095.00 | 589,785.00 | 81,962.00 | -728,701.00 | 73,254.00 |
| Net Issuance/Repayment of Debt | 2,485,741.00 | 20,521,179.00 | 209,503.00 | 462,059.00 | 908,925.00 |
| Net Issuance/Repurchase of Equity | 235,191.00 | 23,844.00 | 249,308.00 | 137,841.00 | 1,610.00 |
| Dividends Paid | 30,940.00 | 31,707.00 | 24,527.00 | 24,553.00 | 72,815.00 |
| Other Financing Activities | -2,582,777.00 | -19,986,945.00 | -401,376.00 | -1,353,154.00 | -910,096.00 |
| Net Change in Cash | -9,682.00 | 526,319.00 | -961,376.00 | 95,368.00 | 987,403.00 |
| Cash at Beginning of Period | 1,138,091.00 | 676,925.00 | 1,646,731.00 | 1,532,439.00 | 570,472.00 |
| Cash at End of Period | 1,128,409.00 | 1,203,244.00 | 685,355.00 | 1,627,807.00 | 1,557,875.00 |
| 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 | 22,821,439.00 | 12,034,748.00 | 12,013,199.00 | 13,571,245.00 | 11,604,562.00 | 12,219,454.00 | 12,146,611.00 | 13,567,711.00 | 12,139,953.00 | 12,090,321.00 | 12,319,976.00 | 12,741,136.00 | 11,317,074.00 | 11,578,968.00 | 12,097,008.00 | 12,836,511.00 | 11,845,876.00 | 12,273,325.00 | 12,757,343.00 | 14,124,624.00 |
| Deposits | 47,773,515.00 | 9,979,031.00 | 9,879,877.00 | 20,774,808.00 | 9,577,489.00 | 9,621,459.00 | 9,882,972.00 | 21,291,768.00 | 9,980,544.00 | 10,068,407.00 | 10,067,545.00 | 20,676,838.00 | 9,988,121.00 | 10,114,664.00 | 10,699,208.00 | 20,284,306.00 | 10,365,415.00 | 9,913,900.00 | 10,244,370.00 | 20,608,816.00 |
| Cash and Short-Term Investments | 1,220,620.00 | 807,566.00 | 831,346.00 | 2,425,681.00 | 575,527.00 | 1,105,991.00 | 1,199,604.00 | 2,511,082.00 | 669,641.00 | 647,005.00 | 1,013,146.00 | 1,467,440.00 | 701,725.00 | 878,057.00 | 1,615,049.00 | 3,372,914.00 | 2,133,104.00 | 1,835,534.00 | 1,908,958.00 | 3,208,968.00 |
| Cash and Cash Equivalents | 1,220,620.00 | 802,731.00 | 826,336.00 | 2,420,423.00 | 569,967.00 | 1,100,292.00 | 1,193,695.00 | 2,504,940.00 | 663,470.00 | 640,600.00 | 1,006,562.00 | 1,460,732.00 | 694,913.00 | 871,017.00 | 1,607,251.00 | 3,364,560.00 | 2,124,530.00 | 1,826,681.00 | 1,899,608.00 | 3,199,260.00 |
| Short-Term Investments | 0 | 4,835.00 | 5,010.00 | 5,258.00 | 5,560.00 | 5,699.00 | 5,909.00 | 6,142.00 | 6,171.00 | 6,405.00 | 6,584.00 | 6,708.00 | 6,812.00 | 7,040.00 | 7,798.00 | 8,354.00 | 8,574.00 | 8,853.00 | 9,350.00 | 9,708.00 |
| Net Receivables | 333,320.00 | 0 | 0 | 49,410.00 | 0 | 0 | 0 | 53,096.00 | 0 | 0 | 0 | 46,868.00 | 0 | 0 | 0 | 33,534.00 | 0 | 0 | 32,150,887.00 | 35,559,041.00 |
| 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 | 242,613.00 | 105,559.00 | 106,737.00 | 106,804.00 | 98,379.00 | 100,037.00 | 98,677.00 | 116,263.00 | 118,215.00 | 125,208.00 | 127,784.00 | 131,628.00 | 135,276.00 | 142,251.00 | 146,612.00 | 146,563.00 | 152,816.00 | 160,007.00 | 165,242.00 | 172,681.00 |
| Real Estate | 0 | 124.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 255.00 | 447.00 | 447.00 |
| Goodwill | 353,471.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 198,339.00 | 12,809.00 | 13,936.00 | 15,064.00 | 16,192.00 | 17,319.00 | 18,460.00 | 19,664.00 | 20,869.00 | 22,074.00 | 23,279.00 | 24,483.00 | 25,761.00 | 27,046.00 | 28,332.00 | 29,619.00 | 30,907.00 | 32,203.00 | 33,500.00 | 34,819.00 |
| 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 | 178,456.00 | 0 | 0 | 97,449.00 | 0 | 0 | 0 | 110,068.00 | 0 | 0 | 0 | 118,331.00 | 0 | 0 | 0 | 52,620.00 | 0 | 0 | 0 | 46,370.00 |
| 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 | 20,406,443.00 | 10,812,437.00 | 10,816,439.00 | 11,105,984.00 | 10,534,111.00 | 11,206,512.00 | 11,136,688.00 | 11,418,600.00 | 11,188,944.00 | 11,116,940.00 | 11,324,496.00 | 10,708,802.00 | 10,374,512.00 | 10,564,918.00 | 11,003,147.00 | 10,372,478.00 | 10,667,801.00 | 11,097,936.00 | 11,582,204.00 | 11,650,240.00 |
| 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 | 360,000.00 | 400,000.00 | 103,500.00 | 353,500.00 | 532,500.00 | 210,000.00 | 260,000.00 | 670,000.00 | 470,000.00 | 900,000.00 | 0 | 3,000.00 | 50,000.00 | 3,000.00 | 0 | 0 | 0 | 0 | 40,000.00 |
| 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 | 2,414,996.00 | 1,222,311.00 | 1,196,760.00 | 2,465,261.00 | 1,070,451.00 | 1,012,942.00 | 1,009,923.00 | 2,149,111.00 | 951,009.00 | 973,381.00 | 995,480.00 | 2,032,334.00 | 942,562.00 | 1,014,050.00 | 1,093,861.00 | 2,464,033.00 | 1,178,075.00 | 1,175,389.00 | 1,175,139.00 | 2,474,384.00 |
| Shareholders Equity | 4,801,087.00 | 2,353,382.00 | 2,298,501.00 | 3,395,929.00 | 2,051,645.00 | 1,911,186.00 | 1,905,431.00 | 2,893,647.00 | 1,683,632.00 | 1,760,522.00 | 1,831,894.00 | 2,681,134.00 | 1,696,630.00 | 1,905,101.00 | 2,109,485.00 | 3,544,062.00 | 2,363,399.00 | 2,365,550.00 | 2,360,999.00 | 3,594,190.00 |
| Capital Stock | 896.00 | 562.00 | 562.00 | 562.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 | 528.00 |
| Share Premium | 2,171,912.00 | 1,430,576.00 | 1,430,561.00 | 1,430,532.00 | 1,421,218.00 | 1,421,301.00 | 1,422,709.00 | 1,423,273.00 | 1,423,720.00 | 1,423,856.00 | 1,424,563.00 | 1,424,183.00 | 1,424,158.00 | 1,424,081.00 | 1,423,679.00 | 1,423,445.00 | 1,423,321.00 | 1,423,083.00 | 1,424,349.00 | 1,427,239.00 |
| Retained Earnings | 0 | 36,291.00 | 14,276.00 | -3,080.00 | -14,976.00 | -44,874.00 | -61,147.00 | -33,136.00 | -23,846.00 | -35,490.00 | -51,398.00 | -71,428.00 | -93,820.00 | -106,997.00 | -125,343.00 | -139,383.00 | -153,439.00 | -210,994.00 | -226,516.00 | -233,344.00 |
| Treasury Shares | 142,486.00 | 147,410.00 | 145,497.00 | 144,141.00 | 234,663.00 | 235,251.00 | 226,455.00 | 225,319.00 | 219,003.00 | 214,803.00 | 208,227.00 | 209,571.00 | 189,084.00 | 167,739.00 | 116,482.00 | 89,856.00 | 90,147.00 | 40,994.00 | 26,221.00 | 31,276.00 |
| Accumulated Other Comprehensive Income | -28,905.00 | -91,240.00 | -95,019.00 | -106,343.00 | -89,257.00 | -114,698.00 | -114,415.00 | -143,016.00 | -218,386.00 | -186,240.00 | -159,066.00 | -181,052.00 | -188,494.00 | -122,999.00 | -78,237.00 | -3,243.00 | 7,249.00 | 14,772.00 | 10,721.00 | 30,871.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 99,431.00 | 1,182,847.00 | 1,209,436.00 | 1,200,030.00 | 1,247,938.00 | 1,209,529.00 | 1,221,572.00 | 1,632,809.00 | 1,895,447.00 | 1,983,761.00 | 2,072,018.00 | 2,059,708.00 | 2,116,732.00 | 2,358,423.00 | 2,708,410.00 | 2,580,856.00 | 2,364,793.00 | 2,383,913.00 | 38,863,214.00 | 41,790,438.00 |
| Debt | 1,371,010.00 | 841,736.00 | 921,674.00 | 450,224.00 | 828,549.00 | 1,186,487.00 | 541,425.00 | 762,726.00 | 1,461,300.00 | 1,061,238.00 | 1,921,176.00 | 121,064.00 | 121,001.00 | 295,659.00 | 97,569.00 | 97,513.00 | 97,454.00 | 97,396.00 | 97,338.00 | 274,560.00 |
| Net Debt | 150,390.00 | 34,170.00 | 90,328.00 | 0 | 253,022.00 | 80,496.00 | 0 | 0 | 791,659.00 | 414,233.00 | 908,030.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 0 | 46,302.53 | 46,376.67 | 46,424.02 | 42,981.62 | 42,959.25 | 43,414.61 | 43,500.87 | 43,822.47 | 44,033.09 | 44,411.35 | 44,361.22 | 45,039.70 | 45,787.62 | 47,791.83 | 48,667.11 | 48,656.90 | 50,452.74 | 50,988.29 | 50,833.09 |
| 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 | 9,838.00 | 224,116.00 | 110,443.00 | -109,567.00 | 289,820.00 | 164,206.00 | 55,541.00 | -258,093.00 | 331,791.00 | 223,992.00 | 114,139.00 | -159,451.00 | 295,788.00 | 187,453.00 | 89,744.00 | -209,255.00 | 343,693.00 | 198,690.00 | 101,286.00 |
| Cost Of Revenue | 0 | 9,500.00 | 5,500.00 | -12,499.00 | 17,999.00 | 12,499.00 | 6,000.00 | -18,998.00 | 24,999.00 | 16,999.00 | 8,999.00 | 2,006.00 | 1,000.00 | 4,000.00 | 3,994.00 | -16,461.00 | 3,995.00 | 6,474.00 | 6,493.00 |
| Interest Income | 523,961.00 | 326,245.00 | 161,497.00 | -340,180.00 | 507,867.00 | 336,210.00 | 167,452.00 | -292,538.00 | 474,344.00 | 311,118.00 | 147,139.00 | -139,220.00 | 304,163.00 | 187,087.00 | 87,172.00 | -210,125.00 | 288,538.00 | 197,180.00 | 100,373.00 |
| Interest Expense | 216,840.00 | 118,107.00 | 58,714.00 | -125,174.00 | 199,125.00 | 130,075.00 | 64,023.00 | -54,417.00 | 145,609.00 | 87,763.00 | 34,626.00 | 8,795.00 | 23,368.00 | 11,781.00 | 5,760.00 | -24,150.00 | 31,351.00 | 23,031.00 | 13,060.00 |
| Net Interest | 307,121.00 | 181,692.00 | 89,771.00 | -177,957.00 | 264,731.00 | 176,672.00 | 88,140.00 | -199,404.00 | 280,626.00 | 190,292.00 | 97,533.00 | -117,392.00 | 242,505.00 | 150,421.00 | 69,063.00 | -156,267.00 | 221,854.00 | 150,486.00 | 75,093.00 |
| Non-Interest Income | 23,975.00 | 42,424.00 | 20,672.00 | 168,180.00 | -24,820.00 | -62,375.00 | -82,508.00 | -83,746.00 | 51,165.00 | 33,700.00 | 16,606.00 | -42,065.00 | 53,289.00 | 37,038.00 | 20,681.00 | -52,988.00 | 121,839.00 | 48,204.00 | 26,193.00 |
| Non-Interest Expense | 247,379.00 | 138,510.00 | 70,366.00 | -136,275.00 | 218,911.00 | 146,951.00 | 76,020.00 | -138,966.00 | 222,516.00 | 146,003.00 | 71,955.00 | -135,561.00 | 218,702.00 | 137,025.00 | 68,550.00 | -155,773.00 | 216,486.00 | 147,026.00 | 78,154.00 |
| Provisions for Credit Losses | 0 | 9,500.00 | 5,500.00 | -12,499.00 | 17,999.00 | 12,499.00 | 6,000.00 | -18,998.00 | 24,999.00 | 16,999.00 | 8,999.00 | 19,994.00 | -1,000.00 | -4,000.00 | -3,994.00 | -9,473.00 | -3,995.00 | 6,474.00 | 6,493.00 |
| Gross Profit | 0 | 214,616.00 | 104,943.00 | -97,068.00 | 271,821.00 | 151,707.00 | 49,541.00 | -239,095.00 | 306,792.00 | 206,993.00 | 105,140.00 | -161,457.00 | 294,788.00 | 183,453.00 | 85,750.00 | -192,794.00 | 339,698.00 | 192,216.00 | 94,793.00 |
| Selling, General and Administrative Expenses | 27,124.00 | 25,304.00 | 13,046.00 | -25,898.00 | 40,205.00 | 27,221.00 | 13,696.00 | -26,563.00 | 43,048.00 | 28,457.00 | 13,956.00 | -23,544.00 | 38,620.00 | 25,326.00 | 12,330.00 | -32,297.00 | 40,672.00 | 28,235.00 | 15,802.00 |
| EBT | -16,797.00 | 76,106.00 | 34,577.00 | 48,328.00 | 52,910.00 | 4,756.00 | -26,479.00 | -100,129.00 | 84,276.00 | 60,990.00 | 33,185.00 | -43,890.00 | 78,086.00 | 54,428.00 | 25,194.00 | -37,482.00 | 124,707.00 | 45,164.00 | 16,632.00 |
| Income Tax | 7,683.00 | 20,021.00 | 8,815.00 | -32,503.00 | 2,120.00 | 12,808.00 | 19,889.00 | -27,350.00 | 13,106.00 | 9,408.00 | 5,590.00 | -13,468.00 | 16,056.00 | 11,115.00 | 4,998.00 | -12,168.00 | 26,291.00 | 10,497.00 | 3,601.00 |
| Net Income | -9,114.00 | 56,085.00 | 25,719.00 | 15,820.00 | 41,346.00 | 24,025.00 | -20,188.00 | -80,580.00 | 71,043.00 | 51,498.00 | 27,637.00 | -33,002.00 | 62,028.00 | 43,311.00 | 20,196.00 | -27,450.00 | 98,416.00 | 34,667.00 | 13,031.00 |
| EBIT | 200,043.00 | 194,213.00 | 93,291.00 | -76,846.00 | 252,035.00 | 134,831.00 | 37,544.00 | -154,546.00 | 229,885.00 | 148,753.00 | 67,811.00 | -35,095.00 | 101,454.00 | 66,209.00 | 30,954.00 | -61,632.00 | 156,058.00 | 68,195.00 | 29,692.00 |
| Deprecation and Amortization | 7,751.00 | 4,824.00 | 2,466.00 | -6,776.00 | 9,193.00 | 6,654.00 | 2,576.00 | -6,967.00 | 9,054.00 | 6,257.00 | 3,470.00 | -7,648.00 | 11,114.00 | 7,479.00 | 3,765.00 | -8,493.00 | 12,318.00 | 8,252.00 | 4,158.00 |
| EBITDA | 207,794.00 | 199,037.00 | 95,757.00 | -83,622.00 | 261,228.00 | 141,485.00 | 40,120.00 | -161,513.00 | 238,939.00 | 155,010.00 | 71,281.00 | -42,743.00 | 112,568.00 | 73,688.00 | 34,719.00 | -70,125.00 | 168,376.00 | 76,447.00 | 33,850.00 |
| 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 | 88,566.37 | 45,731.00 | 45,684.00 | 42,197.00 | 42,456.00 | 42,602.00 | 42,777.00 | 42,460.00 | 43,435.00 | 43,564.00 | 43,693.00 | 41,799.00 | 46,056.00 | 46,733.00 | 47,668.00 | 46,631.00 | 49,672.00 | 50,327.00 | 50,330.00 |
| Average Shares Outstanding Diluted | 88,566.37 | 46,042.00 | 46,061.00 | 42,595.00 | 42,658.00 | 42,763.00 | 43,028.00 | 42,560.00 | 43,640.00 | 43,780.00 | 44,036.00 | 42,119.00 | 46,396.00 | 47,074.00 | 48,067.00 | 47,100.00 | 49,963.00 | 50,588.00 | 50,565.00 |
| 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 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 57,008.00 | 61,781.00 | 23,259.00 | 1,494.00 | 88,503.00 | 41,615.00 | 6,861.00 | 17,923.00 | 104,706.00 | 61,052.00 | 37,314.00 | 234,065.00 | 88,227.00 | 14,287.00 | 16,696.00 | 158,968.00 | 82,548.00 | 63,735.00 | 23,574.00 |
| Operating Net Income | -9,114.00 | 56,085.00 | 25,719.00 | 158,014.00 | 41,346.00 | 3,837.00 | -20,188.00 | 58,616.00 | 71,043.00 | 51,498.00 | 27,637.00 | 152,064.00 | 62,028.00 | 43,311.00 | 20,196.00 | 209,878.00 | 98,416.00 | 34,667.00 | 13,031.00 |
| Deprecation and Amortization | 7,751.00 | 4,824.00 | 2,466.00 | -6,776.00 | 9,193.00 | 6,654.00 | 2,576.00 | -6,967.00 | 9,054.00 | 6,257.00 | 3,470.00 | -7,648.00 | 11,114.00 | 7,479.00 | 3,765.00 | -8,493.00 | 12,318.00 | 8,252.00 | 4,158.00 |
| Deferred Income Tax | -5,118.00 | 0 | 0 | 375.00 | 0 | 0 | 0 | -4,369.00 | 0 | 0 | 0 | -3,461.00 | 0 | 0 | 0 | 5,237.00 | 0 | 0 | 0 |
| Share Based Compensation | 5,241.00 | 2,601.00 | 1,289.00 | -3,897.00 | 6,166.00 | 3,948.00 | 2,101.00 | -2,673.00 | 5,521.00 | 3,454.00 | 1,196.00 | -4,052.00 | 5,659.00 | 3,926.00 | 1,805.00 | -2,438.00 | 3,652.00 | 2,281.00 | 675.00 |
| Change in Working Capital | -151,745.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 397.00 | -609.00 | -404.00 | -202.00 | 378.00 | -578.00 | -384.00 | -192.00 |
| Other Operating Activities | 209,993.00 | -1,729.00 | -6,215.00 | -146,222.00 | 31,798.00 | 27,176.00 | 22,372.00 | -26,684.00 | 19,088.00 | -157.00 | 5,011.00 | 96,765.00 | 10,035.00 | -40,025.00 | -8,868.00 | -45,594.00 | -31,260.00 | 18,919.00 | 5,902.00 |
| Investing Cash Flow | 1,940,762.00 | -88,542.00 | -47,139.00 | -525,890.00 | -194,759.00 | 111,523.00 | 291,876.00 | 1,074,384.00 | -538,853.00 | -479,999.00 | -339,993.00 | 1,252,998.00 | -922,467.00 | -928,491.00 | -675,420.00 | -1,325,594.00 | 828,069.00 | 745,143.00 | 353,103.00 |
| 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 | 4,449.00 | 5,586.00 | 3,379.00 | 2,762.00 | 1,018.00 | 553.00 | 235.00 | -439.00 | 753.00 | 753.00 | 753.00 | 35.00 | 730.00 | 730.00 | 0 | -3,903.00 | 1,606.00 | 1,606.00 | 2,297.00 |
| Net Purchase/Sale of Investments Net | 425,865.00 | 107,959.00 | 61,357.00 | -754,596.00 | 568,455.00 | 445,312.00 | 417,650.00 | 44,333.00 | 242,331.00 | 176,775.00 | 106,895.00 | -1,186,152.00 | 1,063,721.00 | 826,486.00 | 540,607.00 | -733,028.00 | 1,132,541.00 | 813,599.00 | 438,518.00 |
| Net Purchase/Sale of Business | -1,084,095.00 | 0 | 0 | 0.00 | 314,712.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 493,724.00 | 649,000.00 | 1,559,012.00 | -1,262,521.00 | -1,054,029.00 | ||||||||||||||
| Other Investing Activities | 2,293,721.00 | -320,403.00 | -159,733.00 | 459,964.00 | -1,401,627.00 | -631,968.00 | -233,444.00 | 1,945,154.00 | -1,440,760.00 | -1,211,057.00 | -798,952.00 | 3,435,266.00 | -3,117,662.00 | -2,736,769.00 | -1,659,384.00 | 3,173,796.00 | -1,562,256.00 | -901,567.00 | -499,967.00 |
| Financing Cash Flow | -1,320,820.00 | -298,917.00 | -278,192.00 | 1,260,492.00 | -527,021.00 | -256,090.00 | -308,286.00 | -820,555.00 | 412,262.00 | 374,192.00 | 623,886.00 | -614,966.00 | -98,654.00 | 157,414.00 | 638,168.00 | 190,277.00 | -343,962.00 | -540,072.00 | -34,944.00 |
| Net Issuance/Repayment of Debt | 2,500,307.00 | 1,474,621.00 | 753,561.00 | -1,991,613.00 | 2,214,681.00 | 1,810,618.00 | 452,055.00 | -21,089,121.00 | 19,220,150.00 | 16,180,100.00 | 6,210,050.00 | -156,674.00 | 209,453.00 | 155,403.00 | 1,321.00 | -379,535.00 | 462,017.00 | 256,555.00 | 123,022.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 196,069.00 | 17,538.00 | 17,539.00 | 4,045.00 | -8,060.00 | 17,146.00 | 13,568.00 | 1,190.00 | 30,577.00 | 105,082.00 | 84,345.00 | 29,304.00 | 47,738.00 | 69,036.00 | 20,998.00 | 69.00 |
| Dividends Paid | 36,087.00 | 16,714.00 | 8,363.00 | -84.00 | 15,449.00 | 15,575.00 | 0 | -16,124.00 | 23,862.00 | 15,961.00 | 8,008.00 | -8,960.00 | 16,414.00 | 10,921.00 | 6,152.00 | -6,106.00 | 18,411.00 | 6,124.00 | 6,124.00 |
| Other Financing Activities | -3,857,214.00 | -1,790,252.00 | -1,040,116.00 | 3,056,120.00 | -2,774,689.00 | -2,099,822.00 | -764,386.00 | 20,292,750.00 | -18,848,896.00 | -15,835,437.00 | -5,595,362.00 | -479,909.00 | -429,603.00 | -93,255.00 | 601,391.00 | 528,180.00 | -893,426.00 | -823,749.00 | -164,159.00 |
| Net Change in Cash | 676,950.00 | -325,678.00 | -302,072.00 | 736,096.00 | -633,277.00 | -102,952.00 | -9,549.00 | 271,752.00 | -21,885.00 | -44,755.00 | 321,207.00 | 748,864.00 | -932,894.00 | -756,790.00 | -20,556.00 | -1,081,826.00 | 566,655.00 | 268,806.00 | 341,733.00 |
| Cash at Beginning of Period | 543,670.00 | 1,128,409.00 | 1,128,409.00 | 392,313.00 | 1,203,244.00 | 1,203,244.00 | 1,203,244.00 | 931,492.00 | 685,355.00 | 685,355.00 | 685,355.00 | -63,509.00 | 1,627,807.00 | 1,627,807.00 | 1,627,807.00 | 2,709,633.00 | 1,557,875.00 | 1,557,875.00 | 1,557,875.00 |
| Cash at End of Period | 1,220,620.00 | 802,731.00 | 826,337.00 | 1,128,409.00 | 569,967.00 | 1,100,292.00 | 1,193,695.00 | 1,203,244.00 | 663,470.00 | 640,600.00 | 1,006,562.00 | 685,355.00 | 694,913.00 | 871,017.00 | 1,607,251.00 | 1,627,807.00 | 2,124,530.00 | 1,826,681.00 | 1,899,608.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |