BKU

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 12.31 13.57 9.57 9.36 16.88
Price to Sales 138.90 109.67 114.38 176.37 193.33
Book Value Per Common Share 112.95 103.99 96.57 106.40 97.58
Price to Book 0.34 0.31 0.35 0.40 0.36
Price to Operating Cash Flow 5.28 3.25 1.43 2.51 3.68
Price to Free Cash Flow 7.33 3.77 1.47
Enterprise Value to EBITDA 17911.00 16662.87 24850.54 33059.21 50014.38
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
Price to Earnings 14.40 20.94 44.15 16.64 21.52 43.75 10.71 14.46 31.80 12.52 22.09 55.65 13.40 19.58 41.46
Price to Sales 177.32 249.75 485.75 176.21 210.88 373.83 102.16 145.22 299.47 152.20 244.13 618.28 241.32 380.82 824.58
Book Value Per Common Share 77.88 75.44 73.88 112.95 37.56 36.11 35.31 103.99 33.92 33.94 33.34 96.57 31.97 32.15 34.04 106.40 34.39 34.36 66.65
Price to Book 0.49 0.47 0.47 0.34 0.97 0.81 0.79 0.31 0.67 0.63 0.68 0.35 1.07 1.11 1.29 0.40 1.22 1.24 0.66
Price to Operating Cash Flow 12.10 19.68 155.07 10.81 10.66 30.90 2.80 3.73 11.75 2.07 2.74 8.05 4.02 6.80 10.45
Price to Free Cash Flow 12.27 19.99 170.41 23.18 20.76 102.34 2.11
Enterprise Value to EBITDA 31272.60 43926.02 86505.34 26195.82 31916.14 60275.53 17241.79 24842.06 55693.28 52537.57 99389.38 273580.92 65621.69 97891.67 203270.39

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 29.71 -32.68 -21.46 119.42
Revenue YoY -6.72 -7.35 7.92 31.46
EBITDA YoY 10.05 39.93 -5.63 71.89
Net Profit YoY 30.11 -37.30 -31.33 109.74
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
Earning YoY 55.88 117.95 61.03 112.50 42.28 109.86 69.57 103.80 43.12 105.66
Revenue YoY 51.02 101.68 49.07 85.89 49.59 96.47 51.15 98.93 53.82 110.55
EBITDA YoY 50.65 103.44 51.66 97.38 51.73 113.99 160.76 80.93 106.54 43.03 101.99
Net Profit YoY 56.47 117.60 60.42 111.99 42.37 109.67 66.10 97.94 42.87 105.22

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 17.07 19.62 17.91 8.78 11.83
Quick Ratio
Current Ratio
Debt to Equity 5.10 5.64 6.17 4.85 0.71
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
Cash Per Common Share 7.55 10.81 6.01 16.81 12.08 5.89 5.74 19.34 5.34 4.10 12.29 18.65 9.10 6.31 8.33 9.27 5.54 9.73 11.43
Quick Ratio
Current Ratio
Debt to Equity 10.57 11.01 11.02 5.10 11.74 12.12 12.30 5.64 13.02 13.20 13.99 6.17 13.75 13.59 11.70 4.85 10.40 10.29 10.49
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.60 0.46 0.71 1.05 0.26
ROE 3.66 3.04 5.08 6.13 0.44
Gross Margin -463.92 -1068.98 -851.98 -184.96 97.79
Operating Margin 7656.31 6395.51 4122.63 4692.84 3426.35
EBITDA Margin 7875.64 6675.70 4420.23 5054.84 3865.89
Net Profit Margin 1149.35 824.05 1217.72 1913.69 1199.40
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
ROA 0.57 0.36 0.17 0.46 0.29 0.14 0.45 0.31 0.14 0.60 0.36 0.18 0.82 0.57 0.28
ROE 6.57 4.31 2.02 5.81 3.77 1.82 6.25 4.39 2.13 8.90 5.30 2.35 9.36 6.41 3.23
Gross Margin -438.69 -491.65 -493.58 -802.41 -1003.79 -752.79 -1088.56 -807.70 -891.49 -471.19 -685.53 -289.83 -301.27 -408.05 92.57
Operating Margin 5600.05 5608.88 5551.52 6598.50 6496.43 6070.67 5711.09 5622.88 5128.64 2524.59 2067.61 1948.17 3262.48 3529.45 3683.53
EBITDA Margin 5758.14 5772.31 5722.27 6823.72 6707.23 6316.58 6012.02 5926.95 5441.57 2816.41 2352.84 2266.07 3616.12 3888.94 4053.78
Net Profit Margin 1248.62 1205.17 1117.02 1070.78 995.04 872.52 968.70 1017.79 953.69 1231.94 1121.07 1126.68 1825.64 1965.57 2016.61

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
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Assets 38,785,709.00 39,063,294.00 40,200,642.00 39,572,194.00 77,445,516.00
   Deposits 51,803,174.00 53,135,295.00 53,337,998.00 52,963,768.00 54,584,816.00
      Cash and Short-Term Investments 1,256,582.00 1,438,602.00 1,411,576.00 793,926.00 1,085,193.00
            Cash and Cash Equivalents 1,256,582.00 1,438,602.00 1,411,576.00 793,926.00 1,085,193.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 0 608,228.00 444,247.00 379,871.00 1,550,338.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 403,581.00 646,683.00 844,478.00 1,569,676.00 929,827.00
      Goodwill 0 0 0 0 0
      Intangible Assets 0 0 0 0 0
      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 32,427,424.00 33,183,686.00 34,590,731.00 32,805,472.00 32,066,802.00
      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 708,553.00 708,973.00 720,923.00 721,416.00 722,495.00
      Other Non-Current Liabilities 0 0 0 0 0
Equity 6,358,285.00 5,879,608.00 5,609,911.00 6,766,722.00 45,378,714.00
   Shareholders Equity 8,442,954.00 7,733,763.00 7,307,943.00 9,113,283.00 8,949,036.00
      Capital Stock 747.00 744.00 757.00 856.00 931.00
      Share Premium 301,672.00 283,642.00 321,729.00 707,503.00 1,017,518.00
      Retained Earnings 2,796,440.00 2,650,956.00 2,551,400.00 2,345,342.00 2,013,715.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -853,623.00 -1,072,263.00 -1,313,715.00 -47,820.00 -147,456.00
   Minority Interest 0 0 0 0 0
Investments 9,130,244.00 8,877,354.00 9,755,327.00 10,064,198.00 9,176,683.00
Debt 708,553.00 708,973.00 720,923.00 721,416.00 722,495.00
Common Shares Outstanding 74,748.37 74,372.51 75,674.59 85,647.99 0
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 20,226.00 21,682.00 23,402.00 21,685.00 16,496.00
Cost Of Revenue 114,058.00 253,459.00 222,782.00 61,793.00 364.00
Interest Income 2,462,064.00 2,400,696.00 1,531,307.00 1,123,035.00 1,271,043.00
Interest Expense 1,010,850.00 983,777.00 317,491.00 163,760.00 315,851.00
Net Interest 914,266.00 873,804.00 912,960.00 795,688.00 751,758.00
Non-Interest Income 99,155.00 86,838.00 77,636.00 134,153.00 133,221.00
Non-Interest Expense 642,000.00 635,951.00 540,310.00 547,575.00 457,189.00
Provisions for Credit Losses 114,058.00 253,459.00 222,782.00 61,793.00 0
Gross Profit -93,832.00 -231,777.00 -199,380.00 -40,108.00 16,132.00
   Selling, General and Administrative Expenses 171,775.00 181,959.00 184,621.00 183,594.00 118,053.00
EBT 537,716.00 402,898.00 647,287.00 853,882.00 249,359.00
Income Tax 72,782.00 45,556.00 77,345.00 23,914.00 44,739.00
Net Income 232,467.00 178,671.00 284,971.00 414,984.00 197,853.00
EBIT 1,548,566.00 1,386,675.00 964,778.00 1,017,642.00 565,210.00
Deprecation and Amortization 44,360.00 60,751.00 69,645.00 78,500.00 72,508.00
EBITDA 1,592,926.00 1,447,426.00 1,034,423.00 1,096,142.00 637,718.00
EPS 0.00 0.00 0.00 0.00 0.00
Diluted EPS 0.00 0.00 0.00 0.00 0.00
Average Shares Outstanding Basic 73,596.26 73,325.89 78,807.79 90,400.19 91,706.26
Average Shares Outstanding Diluted 73,978.30 73,523.34 78,807.88 90,400.32 91,730.86
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 531,570.00 731,130.00 1,871,918.00 1,524,129.00 867,825.00
   Operating Net Income 232,467.00 178,671.00 284,971.00 414,984.00 197,853.00
   Deprecation and Amortization 44,360.00 60,751.00 69,645.00 78,500.00 72,508.00
   Deferred Income Tax -43,927.00 -46,832.00 1,437.00 -9,015.00 -27,586.00
   Share Based Compensation 21,573.00 45,943.00 25,179.00 23,832.00 20,367.00
   Change in Working Capital 1,778.00 156,251.00 -65,597.00 321,553.00 -35,883.00
   Other Operating Activities 275,319.00 336,346.00 1,556,283.00 694,275.00 640,566.00
Investing Cash Flow 414,714.00 1,054,376.00 -2,110,400.00 -1,657,188.00 -2,620,715.00
   Capital Expenditure -148,313.00 -100,328.00 -52,240.00 0.00 0.00
   Net Purchase/Sale of PPE -148,313.00 -100,328.00 -52,240.00 44,179.00 24,907.00
   Net Purchase/Sale of Investments Net 4,861,305.00 1,917,889.00 5,588,441.00 10,703,615.00 1,414,745.00
   Net Purchase/Sale of Business 0 0 0 0 0
   Net Loan & Lease Activity 1,282,989.00 1,402,919.00 5,285,004.00 11,549,160.00 7,806,380.00
   Other Investing Activities -5,432,954.00 -2,065,776.00 -12,879,365.00 -23,954,142.00 -11,866,747.00
Financing Cash Flow -1,031,137.00 -1,774,116.00 598,342.00 -75,349.00 2,060,945.00
   Net Issuance/Repayment of Debt 3,935,000.00 7,345,000.00 5,794,000.00 3,089,000.00 9,581,716.00
   Net Issuance/Repurchase of Equity 0 -55,154.00 401,288.00 637,048.00 241,166.00
   Dividends Paid 85,513.00 79,091.00 79,443.00 85,790.00 86,522.00
   Other Financing Activities -5,051,650.00 -9,143,053.00 -5,676,389.00 -3,887,187.00 -7,848,459.00
Net Change in Cash -97,167.00 15,636.00 359,860.00 -82,859.00 183,043.00
   Cash at Beginning of Period 588,283.00 572,647.00 212,787.00 397,716.00 214,673.00
   Cash at End of Period 491,116.00 588,283.00 572,647.00 314,857.00 397,716.00
Free Cash Flow 383,257.00 630,802.00 1,819,678.00 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 35,075,773.00 35,459,707.00 34,831,997.00 38,785,709.00 35,784,745.00 35,427,906.00 35,105,654.00 39,063,294.00 35,389,664.00 35,871,479.00 37,189,203.00 40,200,642.00 36,594,894.00 36,551,404.00 36,331,624.00 39,572,194.00 35,306,271.00 35,700,287.00 35,179,239.00 77,445,516.00
   Deposits 57,512,184.00 50,137,578.00 52,101,726.00 51,803,174.00 52,332,365.00 52,578,775.00 53,461,158.00 53,135,295.00 51,900,999.00 52,426,668.00 52,022,201.00 53,337,998.00 50,929,842.00 49,839,952.00 50,484,767.00 52,963,768.00 50,263,945.00 51,122,983.00 51,972,364.00 54,584,816.00
      Cash and Short-Term Investments 559,505.00 801,294.00 443,745.00 1,256,582.00 889,868.00 433,452.00 421,216.00 1,438,602.00 391,885.00 301,169.00 903,998.00 1,411,576.00 726,138.00 513,773.00 697,492.00 793,926.00 507,022.00 895,348.00 1,049,796.00 1,085,193.00
            Cash and Cash Equivalents 559,505.00 801,294.00 443,745.00 1,256,582.00 889,868.00 433,452.00 421,216.00 1,438,602.00 391,885.00 301,169.00 903,998.00 1,411,576.00 726,138.00 513,773.00 697,492.00 793,926.00 507,022.00 895,348.00 1,049,796.00 1,085,193.00
            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 0 0 0 0 684,949.00 677,223.00 652,802.00 608,228.00 588,358.00 500,709.00 476,757.00 444,247.00 392,454.00 391,259.00 376,950.00 379,871.00 479,445.00 1,056,252.00 1,330,004.00 1,550,338.00
      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 0 0 403,581.00 0 0 0 646,683.00 0 0 0 844,478.00 579,693.00 605,769.00 627,146.00 1,569,676.00 659,935.00 0 0 929,827.00
      Goodwill 0 0 0 0 0 0 0 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 0 0 0 0 0 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 32,043,399.00 32,506,690.00 31,934,415.00 32,427,424.00 32,976,941.00 32,728,558.00 32,465,262.00 33,183,686.00 32,865,594.00 33,345,169.00 34,707,809.00 34,590,731.00 34,113,909.00 34,045,387.00 33,470,392.00 32,805,472.00 32,209,597.00 32,538,744.00 32,117,404.00 32,066,802.00
      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 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 320,431.00 708,937.00 709,091.00 708,553.00 708,694.00 708,835.00 708,978.00 708,973.00 715,197.00 715,302.00 720,787.00 720,923.00 721,045.00 721,166.00 721,291.00 721,416.00 721,527.00 721,639.00 721,753.00 722,495.00
      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 3,032,374.00 2,953,017.00 2,897,582.00 6,358,285.00 2,807,804.00 2,699,348.00 2,640,392.00 5,879,608.00 2,524,070.00 2,526,310.00 2,481,394.00 5,609,911.00 2,480,985.00 2,506,017.00 2,861,232.00 6,766,722.00 3,096,674.00 3,161,543.00 3,061,835.00 45,378,714.00
   Shareholders Equity 5,859,590.00 5,674,791.00 5,558,930.00 8,442,954.00 2,807,804.00 2,699,348.00 2,640,392.00 7,733,763.00 2,524,070.00 2,526,310.00 2,481,394.00 7,307,943.00 2,480,985.00 2,506,017.00 2,861,232.00 9,113,283.00 3,096,674.00 3,161,543.00 6,122,737.00 8,949,036.00
      Capital Stock 752.00 752.00 752.00 747.00 747.00 748.00 748.00 744.00 744.00 744.00 744.00 757.00 776.00 779.00 841.00 856.00 900.00 932.00 933.00 931.00
      Share Premium 310,974.00 306,271.00 301,321.00 301,672.00 296,107.00 290,719.00 286,169.00 283,642.00 279,672.00 274,202.00 269,353.00 321,729.00 381,411.00 387,583.00 626,564.00 707,503.00 885,873.00 1,011,786.00 1,008,603.00 1,017,518.00
      Retained Earnings 2,925,806.00 2,877,237.00 2,831,743.00 2,796,440.00 2,749,314.00 2,709,503.00 2,677,403.00 2,650,956.00 2,650,850.00 2,623,926.00 2,585,981.00 2,551,400.00 2,506,539.00 2,438,050.00 2,391,526.00 2,345,342.00 2,239,963.00 2,173,698.00 2,091,124.00 2,013,715.00
      Treasury Shares 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Accumulated Other Comprehensive Income -205,158.00 -231,243.00 -236,234.00 -853,623.00 -715,092.00 -904,866.00 -971,784.00 -1,072,263.00 -1,221,588.00 -1,117,686.00 -1,124,052.00 -1,313,715.00 -1,223,223.00 -961,185.00 -473,097.00 -47,820.00 -90,186.00 -74,619.00 -116,475.00 -147,456.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 9,467,082.00 9,401,071.00 9,099,809.00 9,130,244.00 9,119,860.00 8,946,449.00 8,924,959.00 8,877,354.00 8,886,484.00 9,143,937.00 9,533,599.00 9,755,327.00 9,797,427.00 10,103,504.00 10,572,098.00 10,064,198.00 10,329,691.00 10,232,035.00 9,244,784.00 9,176,683.00
Debt 320,431.00 708,937.00 709,091.00 708,553.00 708,694.00 708,835.00 708,978.00 708,973.00 715,197.00 715,302.00 720,787.00 720,923.00 721,045.00 721,166.00 721,291.00 721,416.00 721,527.00 721,639.00 721,753.00 722,495.00
Net Debt 0 0 265,346.00 0 0 275,383.00 287,762.00 0 323,312.00 414,133.00 0 0 0 207,393.00 23,799.00 0 214,505.00 0 0 0
Common Shares Outstanding 75,242.93 75,218.91 75,242.05 74,748.37 74,749.01 74,758.61 74,772.71 74,372.51 74,413.06 74,429.95 74,423.37 75,674.59 77,599.41 77,944.22 84,052.02 85,647.99 90,049.33 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 15,945.00 10,558.00 5,235.00 -10,733.00 15,238.00 10,222.00 5,499.00 -11,053.00 16,296.00 10,894.00 5,545.00 -12,334.00 17,920.00 11,856.00 5,960.00 -9,402.00 15,870.00 10,317.00 4,900.00
Cost Of Revenue 85,894.00 62,466.00 31,074.00 -183,175.00 137,509.00 112,829.00 46,895.00 -94,092.00 193,688.00 98,885.00 54,978.00 4,058.00 102,358.00 93,132.00 23,234.00 -54,667.00 63,681.00 52,415.00 364.00
Interest Income 1,726,916.00 1,145,462.00 565,994.00 -1,246,485.00 1,861,175.00 1,231,683.00 615,691.00 -1,120,857.00 1,776,790.00 1,172,726.00 572,037.00 -366,401.00 1,012,253.00 605,089.00 280,366.00 -569,699.00 840,606.00 566,605.00 285,523.00
Interest Expense 621,020.00 418,210.00 210,550.00 -561,781.00 782,121.00 523,893.00 266,617.00 -408,632.00 717,782.00 462,085.00 212,542.00 62,223.00 159,067.00 68,879.00 27,322.00 -110,010.00 131,902.00 92,679.00 49,189.00
Net Interest 729,370.00 479,258.00 233,139.00 -416,477.00 675,007.00 440,879.00 214,857.00 -452,416.00 656,594.00 441,752.00 227,874.00 -399,634.00 669,894.00 434,058.00 208,642.00 -384,776.00 589,673.00 394,551.00 196,240.00
Non-Interest Income 75,646.00 50,080.00 22,270.00 -52,734.00 73,950.00 51,062.00 26,877.00 -41,465.00 69,746.00 42,022.00 16,535.00 -15,239.00 50,823.00 27,751.00 14,301.00 -47,727.00 88,531.00 63,053.00 30,296.00
Non-Interest Expense 490,722.00 324,553.00 160,226.00 -315,714.00 481,528.00 316,946.00 159,240.00 -259,915.00 445,088.00 297,998.00 152,780.00 -231,571.00 391,831.00 253,726.00 126,324.00 -177,034.00 359,715.00 241,673.00 123,221.00
Provisions for Credit Losses 85,894.00 62,466.00 31,074.00 -183,175.00 137,509.00 112,829.00 46,895.00 -94,092.00 193,688.00 98,885.00 54,978.00 4,058.00 102,358.00 93,132.00 23,234.00 -54,303.00 63,681.00 52,415.00 0
Gross Profit -69,949.00 -51,908.00 -25,839.00 172,442.00 -122,271.00 -102,607.00 -41,396.00 83,039.00 -177,392.00 -87,991.00 -49,433.00 -16,392.00 -84,438.00 -81,276.00 -17,274.00 45,265.00 -47,811.00 -42,098.00 4,536.00
   Selling, General and Administrative Expenses 113,420.00 76,438.00 38,132.00 -86,867.00 129,495.00 86,540.00 42,607.00 -95,398.00 137,193.00 93,197.00 46,967.00 -83,181.00 135,888.00 88,526.00 43,388.00 -34,708.00 128,764.00 60,010.00 29,528.00
EBT 271,908.00 173,976.00 80,072.00 106,977.00 223,358.00 140,172.00 67,209.00 -32,312.00 212,898.00 150,471.00 71,841.00 88,901.00 293,340.00 176,257.00 88,789.00 65,270.00 385,854.00 271,454.00 131,304.00
Income Tax 72,815.00 46,734.00 21,596.00 -45,099.00 60,193.00 38,459.00 19,229.00 -68,035.00 55,039.00 39,593.00 18,959.00 -60,213.00 72,576.00 43,343.00 21,639.00 -173,367.00 96,125.00 68,666.00 32,490.00
Net Income 199,093.00 127,242.00 58,476.00 -80,391.00 163,165.00 101,713.00 47,980.00 -142,948.00 157,859.00 110,878.00 52,882.00 -135,857.00 220,764.00 132,914.00 67,150.00 -176,347.00 289,729.00 202,788.00 98,814.00
EBIT 892,928.00 592,186.00 290,622.00 -454,804.00 1,005,479.00 664,065.00 333,826.00 -440,944.00 930,680.00 612,556.00 284,383.00 151,124.00 452,407.00 245,136.00 116,111.00 -44,740.00 517,756.00 364,133.00 180,493.00
Deprecation and Amortization 25,207.00 17,255.00 8,939.00 -25,030.00 34,319.00 21,548.00 13,523.00 -38,765.00 49,038.00 33,126.00 17,352.00 -35,412.00 52,293.00 33,817.00 18,947.00 -32,853.00 56,122.00 37,089.00 18,142.00
EBITDA 918,135.00 609,441.00 299,561.00 -479,834.00 1,039,798.00 685,613.00 347,349.00 -479,709.00 979,718.00 645,682.00 301,735.00 115,712.00 504,700.00 278,953.00 135,058.00 -77,593.00 573,878.00 401,222.00 198,635.00
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 74,110.35 74,097.88 73,817.34 73,677.31 73,674.19 73,652.26 73,381.27 72,991.68 73,350.30 73,400.47 73,561.12 70,255.50 79,809.16 81,394.42 83,772.07 86,157.27 91,569.41 92,003.90 91,870.17
Average Shares Outstanding Diluted 74,825.47 74,621.70 74,379.83 73,765.80 74,492.06 74,018.25 73,637.09 72,582.63 73,788.82 73,713.18 74,008.70 69,564.76 80,117.77 81,639.23 83,909.77 85,730.53 91,722.08 92,184.96 91,963.71
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 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31
Operating Cash Flow 233,718.00 133,982.00 16,398.00 14,649.00 248,245.00 202,180.00 66,496.00 -427,528.00 593,716.00 423,574.00 141,368.00 -957,943.00 1,317,141.00 1,055,430.00 457,290.00 -393,090.00 953,021.00 577,799.00 386,399.00
   Operating Net Income 199,093.00 127,242.00 58,476.00 -80,391.00 163,165.00 101,713.00 47,980.00 -142,948.00 157,859.00 110,878.00 52,882.00 -135,857.00 220,764.00 132,914.00 67,150.00 -176,347.00 289,729.00 202,788.00 98,814.00
   Deprecation and Amortization 25,207.00 17,255.00 8,939.00 -25,030.00 34,319.00 21,548.00 13,523.00 -38,765.00 49,038.00 33,126.00 17,352.00 -35,412.00 52,293.00 33,817.00 18,947.00 -32,853.00 56,122.00 37,089.00 18,142.00
   Deferred Income Tax 780.00 5,160.00 13,330.00 24,259.00 -37,171.00 -25,150.00 -5,865.00 -40,268.00 -18,098.00 2,143.00 9,391.00 -40,281.00 13,647.00 15,147.00 12,924.00 -24,667.00 7,835.00 1,218.00 6,599.00
   Share Based Compensation 14,912.00 10,182.00 5,175.00 -10,885.00 15,993.00 10,582.00 5,883.00 14,866.00 15,647.00 10,150.00 5,280.00 -11,475.00 18,178.00 11,862.00 6,614.00 -13,761.00 17,510.00 12,414.00 7,669.00
   Change in Working Capital 74,622.00 -49,818.00 -21,417.00 23,643.00 14,819.00 -24,764.00 -11,920.00 -32,465.00 90,307.00 70,420.00 27,989.00 125,726.00 -147,181.00 -20,004.00 -24,138.00 -207,981.00 271,983.00 214,217.00 43,334.00
   Other Operating Activities -80,896.00 23,961.00 -48,105.00 83,053.00 57,120.00 118,251.00 16,895.00 -187,948.00 298,963.00 196,857.00 28,474.00 -860,644.00 1,159,440.00 881,694.00 375,793.00 62,519.00 309,842.00 110,073.00 211,841.00
Investing Cash Flow 338,429.00 85,463.00 271,876.00 -614,170.00 280,368.00 261,026.00 487,490.00 -881,584.00 1,149,187.00 690,549.00 96,224.00 1,542,142.00 -1,645,266.00 -1,427,654.00 -579,622.00 -804,647.00 -629,695.00 -542,118.00 319,272.00
   Capital Expenditure -3,148.00 -2,082.00 -1,476.00 128,871.00 -132,409.00 -98,357.00 -46,418.00 -100,328.00 0.00 0.00 0.00 -28,984.00 -23,256.00 0.00 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE -3,148.00 -2,082.00 -1,476.00 128,871.00 -132,409.00 -98,357.00 -46,418.00 -150,165.00 49,837.00 0 0 -28,984.00 -23,256.00 0 0 -77,750.00 44,179.00 38,875.00 38,875.00
   Net Purchase/Sale of Investments Net 5,008,164.00 3,723,062.00 1,686,048.00 -333,327.00 3,180,641.00 1,393,425.00 620,566.00 -862,844.00 1,403,181.00 910,944.00 466,608.00 -6,322,756.00 5,061,105.00 4,097,421.00 2,752,671.00 1,174,786.00 7,720,367.00 1,271,105.00 537,357.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
   Net Loan & Lease Activity 1,282,989.00 1,402,919.00 5,285,004.00 11,549,160.00 7,806,380.00
   Other Investing Activities -5,869,385.00 -4,423,571.00 -1,969,622.00 79,864.00 -3,644,167.00 -1,250,142.00 -618,509.00 1,890,281.00 -1,827,793.00 -1,306,421.00 -821,843.00 13,400,823.00 -11,554,093.00 -9,492,480.00 -5,233,615.00 3,787,915.00 -17,286,472.00 -7,579,442.00 -2,876,143.00
Financing Cash Flow -503,758.00 90,733.00 -335,645.00 534,981.00 -227,028.00 -618,037.00 -721,053.00 1,441,391.00 -1,923,665.00 -1,385,601.00 93,759.00 -1,217,171.00 739,406.00 571,140.00 504,967.00 -269,689.00 -214,020.00 461,951.00 -53,591.00
   Net Issuance/Repayment of Debt 1,508,479.00 835,000.00 685,000.00 -3,360,000.00 2,715,000.00 2,800,000.00 1,780,000.00 -4,495,000.00 5,205,000.00 3,665,000.00 2,970,000.00 -4,414,000.00 4,959,000.00 3,119,000.00 2,130,000.00 -4,996,000.00 3,133,001.00 2,831,999.00 2,120,000.00
   Net Issuance/Repurchase of Equity 0 0 0 0 0 0 0 -220,484.00 55,154.00 55,154.00 55,022.00 -343,089.00 336,533.00 325,741.00 82,103.00 485,836.00 136,686.00 7,263.00 7,263.00
   Dividends Paid 68,621.00 45,349.00 22,176.00 -41,304.00 63,872.00 42,239.00 20,706.00 -38,272.00 59,034.00 38,983.00 19,346.00 -41,357.00 60,082.00 40,842.00 19,876.00 -45,347.00 65,114.00 43,714.00 22,309.00
   Other Financing Activities -2,080,858.00 -789,616.00 -1,042,821.00 3,936,285.00 -3,005,900.00 -3,460,276.00 -2,521,759.00 6,195,147.00 -7,242,853.00 -5,144,738.00 -2,950,609.00 3,581,275.00 -4,616,209.00 -2,914,443.00 -1,727,012.00 4,285,822.00 -3,548,821.00 -2,421,025.00 -2,203,163.00
Net Change in Cash 68,389.00 310,178.00 -47,371.00 -76,854.00 301,585.00 -154,831.00 -167,067.00 136,525.00 -180,762.00 -271,478.00 331,351.00 -632,972.00 411,281.00 198,916.00 382,635.00 -1,341,877.00 109,306.00 497,632.00 652,080.00
   Cash at Beginning of Period 491,116.00 491,116.00 491,116.00 567,970.00 588,283.00 588,283.00 588,283.00 451,758.00 572,647.00 572,647.00 572,647.00 1,205,619.00 314,857.00 314,857.00 314,857.00 1,656,734.00 397,716.00 397,716.00 397,716.00
   Cash at End of Period 559,505.00 801,294.00 443,745.00 491,116.00 889,868.00 433,452.00 421,216.00 588,283.00 391,885.00 301,169.00 903,998.00 572,647.00 726,138.00 513,773.00 697,492.00 314,857.00 507,022.00 895,348.00 1,049,796.00
Free Cash Flow 230,570.00 131,900.00 14,922.00 143,520.00 115,836.00 103,823.00 20,078.00 630,802.00 0 0 0 525,793.00 1,293,885.00 0 0 0 0 0 0