BLFY
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | -17.84 | -31.19 | 142.78 | -4.89 |
| Price to Sales | ||||
| Book Value Per Common Share | 43.41 | 42.60 | 42.02 | 45.16 |
| Price to Book | 0.23 | 0.23 | 0.31 | 0.32 |
| Price to Operating Cash Flow | 61.58 | -16.70 | 184.10 | -11.55 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | -27.55 | -41.61 | -70.77 | -23.84 | -37.79 | -72.00 | -46.50 | -77.77 | -190.40 | 159.29 | 599.50 | 677.50 | -20.28 | ||||||
| Price to Sales | |||||||||||||||||||
| Book Value Per Common Share | 29.47 | 28.90 | 28.81 | 43.41 | 28.71 | 28.52 | 28.35 | 42.60 | 27.45 | 27.85 | 27.32 | 42.02 | 27.25 | 28.25 | 29.10 | 45.16 | 31.41 | 4098.53 | 4104.70 |
| Price to Book | 0.31 | 0.33 | 0.32 | 0.23 | 0.36 | 0.32 | 0.33 | 0.23 | 0.30 | 0.36 | 0.35 | 0.31 | 0.41 | 0.42 | 0.47 | 0.32 | 0.44 | ||
| Price to Operating Cash Flow | -88.60 | -107.89 | -49.49 | 39.88 | 21.44 | -42.60 | -41.37 | -42.88 | -54.62 | 199.82 | -129.34 | -974.82 | -82.57 | ||||||
| Price to Free Cash Flow | |||||||||||||||||||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | ||||
| Revenue YoY | ||||
| EBITDA YoY | ||||
| Net Profit YoY | 134.89 |
| 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 | 250.00 | 0.00 | |||||||||||||||||
| Revenue YoY | |||||||||||||||||||
| EBITDA YoY | |||||||||||||||||||
| Net Profit YoY | 323.08 | 65.25 | 209.27 | 7.23 | -2.12 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | 3.90 | 4.49 | 5.34 | 25.29 |
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 2.60 | 2.38 | 2.10 | 1.73 |
| 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 | 2.22 | 2.08 | 2.27 | 3.72 | 3.51 | 2.75 | 2.43 | 4.38 | 2.16 | 1.90 | 2.27 | 5.07 | 2.18 | 2.08 | 3.86 | 10.79 | 14.75 | 9250.91 | 2921.34 |
| Quick Ratio | |||||||||||||||||||
| Current Ratio | |||||||||||||||||||
| Debt to Equity | 5.86 | 5.62 | 5.40 | 2.60 | 5.06 | 4.92 | 4.79 | 2.38 | 4.74 | 4.68 | 4.45 | 2.10 | 4.06 | 3.76 | 3.61 | 1.73 | 3.52 | 11.58 | 8.56 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | -0.26 | 0.23 | 0.10 | -0.05 |
| ROE | -0.94 | 0.79 | 0.30 | -0.13 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin |
| 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 | -0.17 | -0.11 | -0.05 | -0.24 | -0.16 | 0.08 | 0.19 | 0.11 | -0.05 | 0.09 | 0.03 | 0.03 | -0.04 | -0.02 | -0.01 | ||||
| ROE | -1.18 | -0.73 | -0.35 | -1.44 | -0.95 | 0.47 | 1.08 | 0.64 | -0.26 | 0.46 | 0.14 | 0.13 | -0.19 | -0.28 | -0.14 | ||||
| Gross Margin | |||||||||||||||||||
| Operating Margin | |||||||||||||||||||
| EBITDA Margin | |||||||||||||||||||
| Net Profit Margin |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | ||||
| 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 |
|---|---|---|---|---|
| Assets | 2,393,488.00 | 2,401,409.00 | 2,438,523.00 | 2,344,038.00 |
| Deposits | 1,343,320.00 | 1,244,904.00 | 1,288,862.00 | 1,247,040.00 |
| Cash and Short-Term Investments | 83,799.00 | 107,383.00 | 139,676.00 | 307,777.00 |
| Cash and Cash Equivalents | 83,799.00 | 107,383.00 | 139,676.00 | 307,777.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 |
| Net Receivables | 8,014.00 | 7,595.00 | 6,893.00 | 5,372.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 52,956.00 | 57,647.00 | 55,731.00 | 53,583.00 |
| Real Estate | 0 | 593.00 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 1,729,092.00 | 1,690,129.00 | 1,651,087.00 | 1,485,096.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 664,396.00 | 711,280.00 | 787,436.00 | 858,942.00 |
| Shareholders Equity | 977,640.00 | 1,044,040.00 | 1,156,435.00 | 1,288,041.00 |
| Capital Stock | 285.00 | 285.00 | 285.00 | 285.00 |
| Share Premium | 277,304.00 | 273,991.00 | 279,454.00 | 282,006.00 |
| Retained Earnings | 152,429.00 | 164,340.00 | 171,763.00 | 169,457.00 |
| Treasury Shares | 59,699.00 | 40,016.00 | 12,072.00 | 0 |
| Accumulated Other Comprehensive Income | -18,954.00 | -22,880.00 | -24,719.00 | -372.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Investments | 18,017.00 | 20,455.00 | 1,998,239.00 | 1,379,161.00 |
| Debt | 25,168.00 | 26,777.00 | 27,324.00 | 26,696.00 |
| Common Shares Outstanding | 22,522.63 | 24,509.95 | 27,523.22 | 28,522.50 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cost Of Revenue | 0 | 0 | 2,002.00 | 5,036.00 |
| Interest Income | 85,451.00 | 79,105.00 | 62,413.00 | 56,053.00 |
| Interest Expense | 47,901.00 | 37,186.00 | 10,570.00 | 13,104.00 |
| Net Interest | 68,745.00 | 47,391.00 | 52,199.00 | 41,522.00 |
| Non-Interest Income | 1,794.00 | 1,805.00 | 2,664.00 | 2,479.00 |
| Non-Interest Expense | 52,605.00 | 51,562.00 | 52,774.00 | 74,670.00 |
| Provisions for Credit Losses | 0 | 0 | -2,002.00 | -5,036.00 |
| Selling, General and Administrative Expenses | 32,247.00 | 17,844.00 | 18,557.00 | 21,780.00 |
| EBT | 0 | 0 | 0 | 0 |
| Income Tax | 0.00 | 183.00 | 297.00 | 9,080.00 |
| Net Income | -6,227.00 | 5,628.00 | 2,396.00 | -1,159.00 |
| Deprecation and Amortization | 2,569.00 | 2,424.00 | 2,252.00 | 347.00 |
| EPS | -0.00 | -0.00 | 0.00 | -0.00 |
| Diluted EPS | -0.00 | -0.00 | 0.00 | -0.00 |
| Average Shares Outstanding Basic | 21,477.43 | 23,925.72 | 26,165.84 | 12,171.05 |
| Average Shares Outstanding Diluted | 21,477.43 | 23,925.72 | 26,270.86 | 12,171.05 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 3,421.00 | -13,853.00 | 1,826.00 | -15,420.00 |
| Operating Net Income | -53,871.00 | -16,563.00 | 7,330.00 | -110,185.00 |
| Deprecation and Amortization | 2,569.00 | 2,424.00 | 2,252.00 | 347.00 |
| Deferred Income Tax | 0 | 0 | 0 | 8,733.00 |
| Share Based Compensation | 0 | 0 | 1,816.00 | 0 |
| Change in Working Capital | -12,916.00 | 357.00 | 2,170.00 | 4,578.00 |
| Other Operating Activities | 67,639.00 | -71.00 | -11,742.00 | 81,107.00 |
| Investing Cash Flow | -29,500.00 | 10,906.00 | -305,771.00 | -263,652.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 140.00 | 5,609.00 | 5,364.00 | 11,902.00 |
| Net Purchase/Sale of Investments Net | 89,408.00 | 27,228.00 | 95,598.00 | 209,536.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -6,910.00 | 8,854.00 | 152,847.00 | -86,975.00 |
| Other Investing Activities | -112,138.00 | -30,785.00 | -559,580.00 | -398,115.00 |
| Financing Cash Flow | 2,495.00 | -29,346.00 | 135,844.00 | 270,075.00 |
| Net Issuance/Repayment of Debt | 2,070,000.00 | 4,497,000.00 | 2,721,000.00 | 1,311,100.00 |
| Net Issuance/Repurchase of Equity | 19,423.00 | 72,015.00 | 15,349.00 | 524,378.00 |
| Dividends Paid | 0 | 0 | 0 | 0 |
| Other Financing Activities | -2,086,928.00 | -4,598,361.00 | -2,600,505.00 | -1,565,403.00 |
| Net Change in Cash | -23,584.00 | -32,293.00 | -168,101.00 | -8,997.00 |
| Cash at Beginning of Period | 66,086.00 | 78,318.00 | 209,283.00 | 202,443.00 |
| Cash at End of Period | 42,502.00 | 46,025.00 | 41,182.00 | 193,446.00 |
| Free Cash Flow | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 2,155,792.00 | 2,127,504.00 | 2,092,206.00 | 2,393,488.00 | 2,055,093.00 | 2,045,452.00 | 2,027,787.00 | 2,401,409.00 | 2,060,576.00 | 2,080,514.00 | 2,101,055.00 | 2,438,523.00 | 2,011,918.00 | 1,964,050.00 | 1,938,155.00 | 2,344,038.00 | 2,024,333.00 | 2,576,851.00 | 1,963,614.00 |
| Deposits | 1,493,380.00 | 1,416,321.00 | 1,387,241.00 | 1,343,320.00 | 1,318,670.00 | 1,311,156.00 | 1,291,184.00 | 1,244,904.00 | 1,253,104.00 | 1,267,261.00 | 1,244,581.00 | 1,288,862.00 | 1,266,497.00 | 1,296,674.00 | 1,283,022.00 | 1,247,040.00 | 1,265,617.00 | 2,008,068.00 | 1,385,829.00 |
| Cash and Short-Term Investments | 44,086.00 | 41,877.00 | 46,220.00 | 83,799.00 | 76,109.00 | 60,262.00 | 53,753.00 | 107,383.00 | 52,407.00 | 45,759.00 | 57,621.00 | 139,676.00 | 57,324.00 | 54,806.00 | 101,562.00 | 307,777.00 | 324,291.00 | 925,091.00 | 292,134.00 |
| Cash and Cash Equivalents | 44,086.00 | 41,877.00 | 46,220.00 | 83,799.00 | 76,109.00 | 60,262.00 | 53,753.00 | 107,383.00 | 52,407.00 | 45,759.00 | 57,621.00 | 139,676.00 | 57,324.00 | 54,806.00 | 101,562.00 | 307,777.00 | 324,291.00 | 925,091.00 | 292,134.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 9,237.00 | 8,817.00 | 8,746.00 | 8,014.00 | 8,386.00 | 7,882.00 | 8,001.00 | 7,595.00 | 10,222.00 | 9,782.00 | 9,927.00 | 6,893.00 | 6,431.00 | 5,945.00 | 5,780.00 | 5,372.00 | 5,706.00 | 5,507.00 | 5,933.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 48,945.00 | 50,288.00 | 51,583.00 | 52,956.00 | 54,351.00 | 55,454.00 | 56,150.00 | 57,647.00 | 57,916.00 | 58,113.00 | 57,159.00 | 55,731.00 | 55,529.00 | 54,847.00 | 52,941.00 | 53,583.00 | 52,749.00 | 50,576.00 | 46,684.00 |
| Real Estate | 0 | 0 | 0 | 0 | 0 | 0 | 593.00 | 593.00 | 593.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 624.00 | 624.00 | 624.00 |
| Goodwill | 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 |
| Long-Term Investments | 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 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 1,841,395.00 | 1,806,204.00 | 1,765,543.00 | 1,729,092.00 | 1,715,794.00 | 1,699,855.00 | 1,677,631.00 | 1,690,129.00 | 1,701,427.00 | 1,713,980.00 | 1,715,362.00 | 1,651,087.00 | 1,614,580.00 | 1,551,757.00 | 1,517,941.00 | 1,485,096.00 | 1,576,098.00 | 2,371,939.00 | 1,758,162.00 |
| Payables and Expenses | 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 |
| Current Accrued Liabilities | 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 |
| Other Current Liabilities | 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 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 314,397.00 | 321,300.00 | 326,663.00 | 664,396.00 | 339,299.00 | 345,597.00 | 350,156.00 | 711,280.00 | 359,149.00 | 366,534.00 | 385,693.00 | 787,436.00 | 397,338.00 | 412,293.00 | 420,214.00 | 858,942.00 | 448,235.00 | 204,912.00 | 205,452.00 |
| Shareholders Equity | 611,925.00 | 624,055.00 | 635,254.00 | 977,640.00 | 659,966.00 | 670,311.00 | 679,137.00 | 1,044,040.00 | 691,146.00 | 709,943.00 | 748,260.00 | 1,156,435.00 | 767,122.00 | 805,839.00 | 829,924.00 | 1,288,041.00 | 895,958.00 | 409,853.00 | 410,470.00 |
| Capital Stock | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 285.00 | 10.00 | 10.00 |
| Share Premium | 279,902.00 | 279,224.00 | 277,895.00 | 277,304.00 | 276,621.00 | 275,890.00 | 274,327.00 | 273,991.00 | 273,194.00 | 272,267.00 | 271,507.00 | 279,454.00 | 278,861.00 | 282,154.00 | 282,100.00 | 282,006.00 | 281,786.00 | 822.00 | 822.00 |
| Retained Earnings | 145,912.00 | 147,780.00 | 149,737.00 | 152,429.00 | 155,116.00 | 159,157.00 | 161,501.00 | 164,340.00 | 167,271.00 | 168,703.00 | 170,528.00 | 171,763.00 | 171,201.00 | 170,050.00 | 170,010.00 | 169,457.00 | 189,081.00 | 204,051.00 | 205,054.00 |
| Treasury Shares | 76,350.00 | 68,733.00 | 64,243.00 | 59,699.00 | 54,696.00 | 49,229.00 | 44,930.00 | 40,016.00 | 34,141.00 | 31,060.00 | 12,737.00 | 12,072.00 | 4,235.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -16,869.00 | -18,545.00 | -18,072.00 | -18,954.00 | -18,632.00 | -20,883.00 | -21,175.00 | -22,880.00 | -27,152.00 | -23,125.00 | -23,126.00 | -24,719.00 | -27,554.00 | -18,747.00 | -10,504.00 | -372.00 | -512.00 | 29.00 | -434.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 16,309.00 | 18,112.00 | 17,605.00 | 18,017.00 | 18,203.00 | 17,942.00 | 17,908.00 | 20,455.00 | 20,515.00 | 20,420.00 | 21,070.00 | 1,998,239.00 | 2,031,194.00 | 2,210,951.00 | 2,351,534.00 | 1,379,161.00 | 1,339,357.00 | 1,202,968.00 | 1,135,492.00 |
| Debt | 23,147.00 | 23,820.00 | 24,490.00 | 25,168.00 | 25,870.00 | 26,243.00 | 26,081.00 | 26,777.00 | 27,466.00 | 28,130.00 | 27,799.00 | 27,324.00 | 26,875.00 | 25,461.00 | 26,083.00 | 26,696.00 | 27,293.00 | 26,765.00 | 25,052.00 |
| Common Shares Outstanding | 20,761.22 | 21,591.76 | 22,047.65 | 22,522.63 | 22,990.91 | 23,505.36 | 23,958.89 | 24,509.95 | 25,174.41 | 25,493.42 | 27,385.48 | 27,523.22 | 28,155.29 | 28,522.50 | 28,522.50 | 28,522.50 | 28,522.50 | 100.00 | 100.00 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cost Of Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 597.00 | 120.00 | 23.00 | -2,172.00 | 1,554.00 | 716.00 | 1,904.00 | -2,700.00 | 3,398.00 | 2,722.00 | 1,616.00 |
| Interest Income | 70,282.00 | 46,151.00 | 22,713.00 | -41,191.00 | 63,666.00 | 42,134.00 | 20,842.00 | -37,094.00 | 58,770.00 | 38,597.00 | 18,832.00 | -24,497.00 | 44,844.00 | 28,472.00 | 13,594.00 | -27,451.00 | 41,818.00 | 27,744.00 | 13,942.00 |
| Interest Expense | 35,707.00 | 23,767.00 | 11,969.00 | -22,257.00 | 35,589.00 | 23,144.00 | 11,425.00 | -11,502.00 | 26,047.00 | 15,750.00 | 6,891.00 | -384.00 | 5,928.00 | 3,371.00 | 1,655.00 | -10,680.00 | 11,205.00 | 8,236.00 | 4,343.00 |
| Net Interest | 65,446.00 | 42,426.00 | 20,347.00 | 22,054.00 | 23,195.00 | 15,728.00 | 7,768.00 | -27,359.00 | 36,608.00 | 25,197.00 | 12,945.00 | -22,697.00 | 38,646.00 | 24,633.00 | 11,617.00 | -16,111.00 | 29,554.00 | 18,818.00 | 9,261.00 |
| Non-Interest Income | 1,215.00 | 799.00 | 394.00 | -1,018.00 | 1,374.00 | 987.00 | 451.00 | -776.00 | 1,233.00 | 864.00 | 484.00 | -1,904.00 | 2,220.00 | 1,421.00 | 927.00 | -1,249.00 | 1,775.00 | 1,287.00 | 666.00 |
| Non-Interest Expense | 41,054.00 | 27,168.00 | 13,629.00 | -26,818.00 | 39,724.00 | 26,457.00 | 13,242.00 | -27,739.00 | 39,019.00 | 26,625.00 | 13,657.00 | -26,581.00 | 39,904.00 | 26,235.00 | 13,216.00 | -19,161.00 | 57,290.00 | 24,172.00 | 12,369.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -597.00 | 120.00 | -23.00 | 2,172.00 | -1,554.00 | -716.00 | -1,904.00 | 2,700.00 | -3,398.00 | -2,722.00 | -1,616.00 |
| Selling, General and Administrative Expenses | 24,817.00 | 16,526.00 | 8,346.00 | 6,018.00 | 13,195.00 | 8,653.00 | 4,381.00 | -9,369.00 | 13,443.00 | 9,135.00 | 4,635.00 | -10,831.00 | 14,418.00 | 9,801.00 | 5,169.00 | -10,084.00 | 15,695.00 | 10,582.00 | 5,587.00 |
| EBT | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 183.00 | 0.00 | 0.00 | 0.00 | 21.00 | 175.00 | 52.00 | 49.00 | 1,102.00 | 6,826.00 | 491.00 | 661.00 |
| Net Income | -3,718.00 | -2,352.00 | -1,146.00 | 278.00 | -4,889.00 | -3,266.00 | 1,650.00 | 390.00 | 3,890.00 | 2,354.00 | -1,006.00 | -584.00 | 1,834.00 | 593.00 | 553.00 | 565.00 | -873.00 | -571.00 | -280.00 |
| Deprecation and Amortization | 2,409.00 | 1,565.00 | 681.00 | -1,105.00 | 1,864.00 | 1,258.00 | 552.00 | -1,055.00 | 1,741.00 | 1,182.00 | 556.00 | -797.00 | 1,605.00 | 979.00 | 465.00 | -3,221.00 | 528.00 | 2,605.00 | 435.00 |
| 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 | 0 |
| 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 | 0 |
| Average Shares Outstanding Basic | 19,889.50 | 20,122.62 | 20,404.94 | 20,203.75 | 21,695.90 | 21,914.81 | 22,095.26 | 21,907.63 | 24,289.60 | 24,131.02 | 25,374.65 | 25,686.10 | 26,278.78 | 26,354.98 | 26,343.51 | 26,704.34 | 21,979.86 | 0 | 0 |
| Average Shares Outstanding Diluted | 19,889.50 | 20,122.62 | 20,404.94 | 20,203.75 | 21,695.90 | 21,914.81 | 22,095.26 | 21,907.63 | 24,289.60 | 24,131.02 | 25,374.65 | 26,066.70 | 26,318.27 | 26,354.98 | 26,343.51 | 26,704.34 | 21,979.86 | 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 | -2,040.00 | -1,785.00 | -3,793.00 | -6,569.00 | 5,575.00 | 9,270.00 | -4,855.00 | 1,171.00 | -4,913.00 | -5,689.00 | -4,422.00 | 3,169.00 | 1,467.00 | -2,444.00 | -366.00 | -9,955.00 | -3,671.00 | -3,564.00 | 1,770.00 |
| Operating Net Income | -23,269.00 | -16,299.00 | -9,222.00 | -12,874.00 | -23,337.00 | -13,632.00 | -4,028.00 | -4,383.00 | -5,042.00 | -3,714.00 | -3,424.00 | 2,452.00 | 2,255.00 | 1,147.00 | 1,476.00 | -88,505.00 | -17,591.00 | -2,319.00 | -1,770.00 |
| Deprecation and Amortization | 2,409.00 | 1,565.00 | 681.00 | -1,105.00 | 1,864.00 | 1,258.00 | 552.00 | -1,055.00 | 1,741.00 | 1,182.00 | 556.00 | -797.00 | 1,605.00 | 979.00 | 465.00 | -3,221.00 | 528.00 | 2,605.00 | 435.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 175.00 | 52.00 | 49.00 | 16,137.00 | -7,404.00 | 0 | 0 |
| Share Based Compensation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,816.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Working Capital | -1,011.00 | -1,049.00 | -1,687.00 | 11,465.00 | -11,236.00 | -12,914.00 | -231.00 | 17,454.00 | -7,637.00 | -4,898.00 | -4,562.00 | 252.00 | 900.00 | 2,719.00 | -1,701.00 | 1,891.00 | 2,995.00 | -968.00 | 660.00 |
| Other Operating Activities | 19,831.00 | 13,998.00 | 6,435.00 | -4,055.00 | 38,284.00 | 34,558.00 | -1,148.00 | -10,845.00 | 6,025.00 | 1,741.00 | 3,008.00 | -278.00 | -3,468.00 | -7,341.00 | -655.00 | 63,743.00 | 17,801.00 | -2,882.00 | 2,445.00 |
| Investing Cash Flow | -92,289.00 | -67,427.00 | -26,583.00 | -70,565.00 | 13,122.00 | 1,648.00 | 26,295.00 | 88,822.00 | -9,939.00 | -30,048.00 | -37,929.00 | 289,235.00 | -260,874.00 | -206,374.00 | -127,758.00 | -121,574.00 | -66,220.00 | -25,249.00 | -50,609.00 |
| 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 | 0 | 0 | 0 | 131.00 | 0 | 0 | 9.00 | -3,528.00 | 4,367.00 | 3,093.00 | 1,677.00 | -3,951.00 | 4,841.00 | 3,838.00 | 636.00 | -8,623.00 | 9,695.00 | 7,312.00 | 3,518.00 |
| Net Purchase/Sale of Investments Net | 97,730.00 | 87,351.00 | 4,049.00 | 545.00 | 44,560.00 | 44,303.00 | 0 | 24,708.00 | 2,520.00 | 0 | 0 | -170,435.00 | 90,197.00 | 89,197.00 | 86,639.00 | -125,473.00 | 173,289.00 | 100,182.00 | 61,538.00 |
| 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 | -6,910.00 | 8,854.00 | 152,847.00 | -86,975.00 | |||||||||||||||
| Other Investing Activities | -162,552.00 | -139,206.00 | -31,423.00 | -109,760.00 | -5,848.00 | -29,320.00 | 32,790.00 | 141,519.00 | -36,043.00 | -62,660.00 | -73,601.00 | 508,257.00 | -475,968.00 | -368,120.00 | -223,749.00 | 54,587.00 | -219,857.00 | -103,490.00 | -129,355.00 |
| Financing Cash Flow | 95,913.00 | 68,587.00 | 34,094.00 | 1,501.00 | 11,387.00 | 3,319.00 | -13,712.00 | -154,527.00 | 26,077.00 | 40,314.00 | 58,790.00 | -93,859.00 | 123,285.00 | 70,178.00 | 36,240.00 | -469,649.00 | 77,737.00 | 637,459.00 | 24,528.00 |
| Net Issuance/Repayment of Debt | 3,096,500.00 | 2,372,500.00 | 1,285,500.00 | -1,477,000.00 | 1,613,000.00 | 1,171,000.00 | 763,000.00 | -3,300,000.00 | 3,604,000.00 | 2,905,000.00 | 1,288,000.00 | 914,000.00 | 1,182,000.00 | 516,000.00 | 109,000.00 | -742,500.00 | 1,031,000.00 | 652,000.00 | 370,600.00 |
| Net Issuance/Repurchase of Equity | 16,271.00 | 8,637.00 | 4,714.00 | -9,246.00 | 14,359.00 | 8,879.00 | 5,431.00 | 4,570.00 | 30,478.00 | 27,645.00 | 9,322.00 | 7,833.00 | 7,516.00 | 0 | 0 | 273,598.00 | 250,780.00 | 0 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | -3,016,858.00 | -2,312,550.00 | -1,256,120.00 | 1,487,747.00 | -1,615,972.00 | -1,176,560.00 | -782,143.00 | 3,140,903.00 | -3,608,401.00 | -2,892,331.00 | -1,238,532.00 | -1,015,692.00 | -1,066,231.00 | -445,822.00 | -72,760.00 | -747.00 | -1,204,043.00 | -14,541.00 | -346,072.00 |
| Net Change in Cash | 1,584.00 | -625.00 | 3,718.00 | -75,633.00 | 30,084.00 | 14,237.00 | 7,728.00 | -64,534.00 | 11,225.00 | 4,577.00 | 16,439.00 | 198,545.00 | -136,122.00 | -138,640.00 | -91,884.00 | -601,178.00 | 7,846.00 | 608,646.00 | -24,311.00 |
| Cash at Beginning of Period | 42,502.00 | 42,502.00 | 42,502.00 | 118,135.00 | 46,025.00 | 46,025.00 | 46,025.00 | 110,559.00 | 41,182.00 | 41,182.00 | 41,182.00 | -157,363.00 | 193,446.00 | 193,446.00 | 193,446.00 | 794,624.00 | 316,445.00 | 316,445.00 | 316,445.00 |
| Cash at End of Period | 44,086.00 | 41,877.00 | 46,220.00 | 42,502.00 | 76,109.00 | 60,262.00 | 53,753.00 | 46,025.00 | 52,407.00 | 45,759.00 | 57,621.00 | 41,182.00 | 57,324.00 | 54,806.00 | 101,562.00 | 193,446.00 | 324,291.00 | 925,091.00 | 292,134.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |