Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 13.08 10.68 13.51 11.79 11.06
Price to Sales 2.57 2.40 5.01 5.94 3.77
Book Value Per Common Share 72.23 67.14 61.27 70.34 69.30
Price to Book 1.47 1.28 1.69 1.50 0.99
Price to Operating Cash Flow 3.90 14.05 1.29 -2.26 -23.08
Price to Free Cash Flow
Enterprise Value to EBITDA 21339.09 34663.68 83867.12 84421.72 62542.96
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 17.77 24.11 55.99 17.41 23.93 71.32 11.87 17.19 34.74 17.15 26.33 103.24 12.39 19.24 42.53
Price to Sales 3.70 4.91 10.70 3.34 4.45 9.17 3.10 4.92 10.84 6.37 8.85 22.50 6.67 9.62 20.22
Book Value Per Common Share 78.18 76.47 74.94 72.23 73.07 68.07 66.79 67.14 62.86 63.50 63.68 61.27 59.03 62.00 63.47 70.34 70.67 69.93 68.72 69.30
Price to Book 1.43 1.28 1.39 1.47 1.43 1.35 1.38 1.28 1.27 1.27 1.33 1.69 1.51 1.22 1.48 1.50 1.27 1.24 1.30 0.99
Price to Operating Cash Flow 7.20 56.43 326.69 7.51 9.12 33.00 9.99 -9.55 2.27 0.82 0.79 1.62 -73.90 -12.25 -28.21
Price to Free Cash Flow
Enterprise Value to EBITDA 94738.69 47244.31 62990.29 143048.14 43886.86 70154.02 160011.29 113683.79 175463.39 617695.00 90720.91 138645.78 303222.59

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 1.50 4.43 -14.19 44.59
Revenue YoY 12.55 68.27 14.29 -4.02
EBITDA YoY 102.49 100.10 -0.73 14.51
Net Profit YoY -21.20 27.71 -15.83 42.09
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 2020-12-31
Earning YoY 54.81 117.74 56.92 196.90 43.40 93.42 80.49 215.38 60.67 114.29
Revenue YoY 51.11 103.86 51.65 104.12 56.76 110.38 62.90 103.94 48.85 103.24
EBITDA YoY 50.33 109.08 62.96 52.20 126.30 58.26 118.37 81.46 183.19 58.02 112.08
Net Profit YoY 54.23 116.90 56.58 61.45 45.45 96.82 80.12 137.22 60.27 113.94

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 99.36 99.64 87.27 174.57 84.31
Quick Ratio
Current Ratio
Debt to Equity 3.99 4.36 4.61 4.19 3.95
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 89.91 109.16 114.38 82.45 103.65 98.26 102.61 85.41 92.84 104.13 55.15 76.76 56.42 72.42 92.30 157.03 108.27 100.88 94.09 77.49
Quick Ratio
Current Ratio
Debt to Equity 7.33 7.65 7.74 3.99 7.92 8.63 8.77 4.36 9.16 9.12 8.33 4.61 8.67 8.57 8.65 4.19 7.70 7.81 8.02 3.95
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.95 1.21 0.99 1.11 0.83
ROE 4.72 6.46 5.55 5.76 4.12
Gross Margin 98.08 98.04 97.85 83.58 82.46
Operating Margin 139.63 75.24 60.87 71.31 58.18
EBITDA Margin 145.34 80.79 67.93 78.22 65.57
Net Profit Margin 19.86 28.37 37.37 50.75 34.28
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 0.80 0.51 0.24 0.77 0.49 0.31 1.03 0.71 0.39 0.81 0.43 0.18 1.07 0.66 0.31
ROE 6.65 4.41 2.07 6.90 4.73 2.99 10.49 7.14 3.62 7.79 4.12 1.70 9.28 5.84 2.78
Gross Margin 99.44 99.79 99.73 99.10 98.79 98.76 97.65 96.96 96.90 98.41 82.03 80.67 83.63
Operating Margin 133.26 133.98 130.41 79.65 79.37 71.07 76.31 75.11 72.14 55.89 48.94 32.97 74.76 70.19 66.96
EBITDA Margin 139.65 140.37 136.86 85.16 84.85 76.54 81.90 81.12 78.15 63.50 57.00 41.05 81.46 76.73 73.53
Net Profit Margin 21.03 20.60 19.36 19.40 18.79 23.75 29.66 31.96 34.17 37.41 33.83 29.09 54.20 50.34 47.82

Dividends

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Dividend Yield 0.00
Dividend Payout Ratio 33.20
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 55,372,895.00 55,113,426.00 52,607,799.00 55,747,128.00 52,219,539.00
   Deposits 86,962,354.00 77,038,794.00 73,285,742.00 87,596,218.00 78,208,760.00
      Cash and Short-Term Investments 6,333,791.00 6,541,770.00 5,865,877.00 11,974,223.00 5,888,548.00
            Cash and Cash Equivalents 1,434,701.00 1,348,265.00 1,401,716.00 2,837,410.00 1,180,573.00
            Short-Term Investments 4,899,090.00 5,193,505.00 4,464,161.00 9,136,813.00 4,707,975.00
      Net Receivables 285,916.00 709,832.00 304,819.00 279,193.00 308,266.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 847,485.00 843,223.00 742,175.00 574,148.00 717,308.00
      Goodwill 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,048,091.00
      Intangible Assets 46,788.00 59,979.00 76,131.00 91,778.00 113,436.00
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 13,268.00 12,682.00 12,915.00 11,368.00 14,584.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 44,273,585.00 44,825,565.00 43,237,792.00 45,015,025.00 41,661,712.00
      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 11,099,310.00 10,287,861.00 9,370,007.00 10,732,103.00 10,557,827.00
   Shareholders Equity 5,548,353.00 5,142,442.00 4,682,649.00 5,363,732.00 5,266,266.00
      Capital Stock 5.00 5.00 5.00 5.00 5.00
      Share Premium 1,429,628.00 1,406,745.00 1,390,395.00 1,378,794.00 1,368,062.00
      Retained Earnings 5,592,100.00 5,211,512.00 4,824,164.00 4,447,691.00 3,973,675.00
      Treasury Shares 970,340.00 876,720.00 694,960.00 535,129.00 411,344.00
      Accumulated Other Comprehensive Income -1,509,120.00 -1,797,300.00 -2,510,865.00 217,113.00 1,007,604.00
   Minority Interest 2,604.00 2,977.00 4,709.00 4,639.00 25,295.00
Investments 161,226,979.00 158,488,431.00 152,778,151.00 177,071,617.00 169,460,560.00
Debt 635,714.00 625,046.00 636,609.00 677,200.00 1,367,103.00
Common Shares Outstanding 76,817.61 76,593.29 76,423.35 76,254.03 75,995.21
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 2,636,464.00 2,342,464.00 1,392,102.00 1,218,033.00 1,269,000.00
Cost Of Revenue 50,493.00 46,000.00 30,000.00 200,000.00 222,592.00
Interest Income 2,636,464.00 2,372,147.00 1,400,384.00 1,185,632.00 1,279,963.00
Interest Expense 1,425,706.00 1,079,236.00 187,212.00 72,431.00 174,500.00
Net Interest 3,625,887.00 1,272,180.00 1,211,380.00 1,118,033.00 1,108,444.00
Non-Interest Income 2,504,550.00 789,949.00 643,257.00 755,775.00 843,949.00
Non-Interest Expense 3,644,637.00 2,671,436.00 2,331,965.00 2,358,330.00 2,334,571.00
Provisions for Credit Losses 50,493.00 46,000.00 30,000.00 -200,000.00 222,592.00
Gross Profit 2,585,971.00 2,296,464.00 1,362,102.00 1,018,033.00 1,046,408.00
   Selling, General and Administrative Expenses 414,875.00 405,225.00 381,408.00 341,614.00 331,228.00
EBT 2,255,696.00 683,248.00 660,157.00 796,100.00 563,864.00
Income Tax 140,701.00 309,640.00 277,952.00 355,348.00 253,084.00
Net Income Including Non-Controlling Interests 523,585.00 664,074.00 520,253.00 621,713.00 434,989.00
Net Income Non-Controlling Interests -16.00 387.00 20.00 -3,592.00 41.00
Net Income 523,569.00 664,461.00 520,273.00 618,121.00 435,030.00
EBIT 3,681,402.00 1,762,484.00 847,369.00 868,531.00 738,364.00
Deprecation and Amortization 150,375.00 129,878.00 98,348.00 84,175.00 93,656.00
EBITDA 3,831,777.00 1,892,362.00 945,717.00 952,706.00 832,020.00
EPS 0.01 0.01 0.01 0.01 0.01
Diluted EPS 0.01 0.01 0.01 0.01 0.01
Average Shares Outstanding Basic 63,745.09 65,651.57 67,212.73 68,591.92 69,840.98
Average Shares Outstanding Diluted 63,745.09 65,651.57 67,212.74 68,594.32 69,844.17
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 1,741,843.00 400,128.00 5,389,553.00 -3,207,610.00 -207,223.00
   Operating Net Income 2,094,244.00 2,654,891.00 2,601,425.00 3,085,217.00 2,175,273.00
   Deprecation and Amortization 150,375.00 129,878.00 98,348.00 84,175.00 93,656.00
   Deferred Income Tax 8,280.00 -19,783.00 -5,465.00 37,514.00 -74,984.00
   Share Based Compensation 22,883.00 16,350.00 11,564.00 9,759.00 16,392.00
   Change in Working Capital -437,337.00 615,886.00 -4,345,969.00 4,345,781.00 1,180,610.00
   Other Operating Activities -96,602.00 -2,997,094.00 7,029,650.00 -10,770,056.00 -3,598,170.00
Investing Cash Flow -479,782.00 -1,761,638.00 -4,632,227.00 2,581,464.00 -2,473,642.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 196,736.00 205,626.00 275,815.00 369,327.00 214,269.00
   Net Purchase/Sale of Investments Net 6,685,990.00 5,738,501.00 7,417,907.00 8,852,304.00 7,991,051.00
   Net Purchase/Sale of Business 0 -32,601.00 0 0 0
   Net Loan & Lease Activity 195,624.00 1,349,900.00 2,348,586.00 -2,853,326.00 1,103,752.00
   Other Investing Activities -7,558,132.00 -9,023,064.00 -14,674,535.00 -3,786,841.00 -11,782,714.00
Financing Cash Flow -1,103,387.00 1,346,472.00 -2,258,272.00 2,329,825.00 2,571,643.00
   Net Issuance/Repayment of Debt -4,526,879.00 1,802,549.00 4,609,824.00 -1,269,241.00 -5,091,026.00
   Net Issuance/Repurchase of Equity 172,184.00 343,756.00 299,960.00 226,128.00 -9,866.00
   Dividends Paid 142,981.00 143,398.00 143,800.00 144,105.00 -144,437.00
   Other Financing Activities 3,108,327.00 -943,231.00 -7,311,856.00 3,228,833.00 7,816,972.00
Net Change in Cash 158,674.00 -15,038.00 -1,500,946.00 1,703,679.00 -109,222.00
   Cash at Beginning of Period 1,276,027.00 1,363,303.00 2,902,662.00 0 0
   Cash at End of Period 1,434,701.00 1,348,265.00 1,401,716.00 0 0
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 50,193,387.00 50,998,077.00 50,472,189.00 55,372,895.00 50,081,985.00 50,403,457.00 50,160,380.00 55,113,426.00 48,931,397.00 49,237,920.00 45,524,122.00 52,607,799.00 43,645,446.00 45,377,072.00 46,826,507.00 55,747,128.00 46,923,409.00 47,154,375.00 47,442,513.00 52,219,539.00
   Deposits 88,262,924.00 87,107,842.00 86,931,034.00 86,962,354.00 85,949,192.00 82,826,777.00 80,826,329.00 77,038,794.00 76,204,935.00 74,641,641.00 69,832,412.00 73,285,742.00 77,149,681.00 81,299,785.00 83,362,856.00 87,596,218.00 82,396,147.00 80,602,909.00 81,726,196.00 78,208,760.00
      Cash and Short-Term Investments 5,681,775.00 6,918,480.00 7,268,447.00 6,333,791.00 6,615,765.00 6,288,954.00 6,596,785.00 6,541,770.00 6,123,036.00 6,889,694.00 3,658,342.00 5,865,877.00 3,803,527.00 4,896,794.00 6,258,877.00 11,974,223.00 7,445,802.00 6,958,525.00 6,505,145.00 5,888,548.00
            Cash and Cash Equivalents 1,426,043.00 1,359,063.00 1,416,695.00 1,434,701.00 1,476,040.00 1,076,163.00 1,155,747.00 1,348,265.00 1,374,935.00 1,447,330.00 1,363,984.00 1,401,716.00 1,608,909.00 2,037,350.00 1,367,781.00 2,837,410.00 1,891,762.00 1,259,455.00 1,419,196.00 1,180,573.00
            Short-Term Investments 4,255,732.00 5,559,417.00 5,851,752.00 4,899,090.00 5,139,725.00 5,212,791.00 5,441,038.00 5,193,505.00 4,748,101.00 5,442,364.00 2,294,358.00 4,464,161.00 2,194,618.00 2,859,444.00 4,891,096.00 9,136,813.00 5,554,040.00 5,699,070.00 5,085,949.00 4,707,975.00
      Net Receivables 352,655.00 376,316.00 316,358.00 285,916.00 398,212.00 348,692.00 376,590.00 709,832.00 283,871.00 397,824.00 283,866.00 304,819.00 249,432.00 236,840.00 468,098.00 279,193.00 387,260.00 266,717.00 318,611.00 308,266.00
      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 636,256.00 637,211.00 636,096.00 847,485.00 632,819.00 632,388.00 628,050.00 843,223.00 616,439.00 617,918.00 623,112.00 742,175.00 569,379.00 573,605.00 574,786.00 574,148.00 558,126.00 556,400.00 555,455.00 717,308.00
      Goodwill 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,044,749.00 1,048,091.00 1,048,091.00 1,048,091.00
      Intangible Assets 37,376.00 40,000.00 44,064.00 46,788.00 51,205.00 54,028.00 56,894.00 59,979.00 65,804.00 69,246.00 72,689.00 76,131.00 79,833.00 83,744.00 87,761.00 91,778.00 96,186.00 105,694.00 110,585.00 113,436.00
      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 0 0 0 13,268.00 0 0 0 12,682.00 0 0 0 12,915.00 0 0 0 11,368.00 0 0 0 14,584.00
      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 44,168,462.00 45,104,721.00 44,697,811.00 44,273,585.00 44,466,787.00 45,171,487.00 45,028,745.00 44,825,565.00 44,114,189.00 44,370,523.00 40,646,095.00 43,237,792.00 39,131,138.00 40,635,530.00 41,972,983.00 45,015,025.00 41,526,961.00 41,799,824.00 42,180,169.00 41,661,712.00
      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 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 6,024,925.00 5,893,356.00 5,774,378.00 11,099,310.00 5,615,198.00 5,231,970.00 5,131,635.00 10,287,861.00 4,817,208.00 4,867,397.00 4,878,027.00 9,370,007.00 4,514,308.00 4,741,542.00 4,853,524.00 10,732,103.00 5,396,448.00 5,354,551.00 5,262,344.00 10,557,827.00
   Shareholders Equity 6,022,535.00 5,890,888.00 5,771,813.00 5,548,353.00 5,612,443.00 5,229,130.00 5,128,751.00 5,142,442.00 4,814,019.00 4,863,854.00 4,874,786.00 4,682,649.00 4,509,934.00 4,737,339.00 4,849,582.00 5,363,732.00 5,388,973.00 5,332,977.00 5,239,462.00 5,266,266.00
      Capital Stock 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00
      Share Premium 1,447,084.00 1,441,326.00 1,435,498.00 1,429,628.00 1,425,124.00 1,416,807.00 1,411,293.00 1,406,745.00 1,404,668.00 1,401,509.00 1,397,096.00 1,390,395.00 1,385,481.00 1,381,676.00 1,381,666.00 1,378,794.00 1,374,688.00 1,373,101.00 1,371,735.00 1,368,062.00
      Retained Earnings 5,883,501.00 5,778,878.00 5,675,409.00 5,592,100.00 5,492,802.00 5,387,949.00 5,259,646.00 5,211,512.00 5,164,597.00 5,065,733.00 4,950,176.00 4,824,164.00 4,691,924.00 4,570,837.00 4,473,884.00 4,447,691.00 4,366,779.00 4,214,130.00 4,083,543.00 3,973,675.00
      Treasury Shares 1,081,391.00 1,040,311.00 976,756.00 970,340.00 970,199.00 970,129.00 932,065.00 876,720.00 826,266.00 766,721.00 743,937.00 694,960.00 662,531.00 612,551.00 588,147.00 535,129.00 521,671.00 481,027.00 437,230.00 411,344.00
      Accumulated Other Comprehensive Income -226,664.00 -289,010.00 -362,343.00 -1,509,120.00 -670,578.00 -1,211,004.00 -1,220,256.00 -1,797,300.00 -1,857,970.00 -1,673,344.00 -1,457,108.00 -2,510,865.00 -1,809,890.00 -1,205,256.00 -835,652.00 217,113.00 169,172.00 226,768.00 221,409.00 1,007,604.00
   Minority Interest 2,390.00 2,468.00 2,565.00 2,604.00 2,755.00 2,840.00 2,884.00 2,977.00 3,189.00 3,543.00 3,241.00 4,709.00 4,374.00 4,203.00 3,942.00 4,639.00 7,475.00 21,574.00 22,882.00 25,295.00
Investments 168,698,412.00 168,924,419.00 166,696,947.00 161,226,979.00 166,382,732.00 162,863,762.00 161,805,497.00 158,488,431.00 154,691,866.00 154,172,280.00 151,501,102.00 152,778,151.00 140,128,137.00 145,223,439.00 183,597,708.00 177,071,617.00 183,471,077.00 181,692,268.00 178,157,151.00 169,460,560.00
Debt 0 0 510,416.00 635,714.00 497,740.00 501,168.00 500,058.00 625,046.00 496,126.00 487,310.00 512,450.00 636,609.00 510,642.00 522,718.00 539,664.00 677,200.00 549,202.00 1,134,754.00 1,128,266.00 1,367,103.00
Common Shares Outstanding 77,038.15 77,035.07 77,014.72 76,817.61 76,814.11 76,822.78 76,793.00 76,593.29 76,588.23 76,592.10 76,555.51 76,423.35 76,404.69 76,408.28 76,412.23 76,254.03 76,254.19 76,257.74 76,244.16 75,995.21
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 1,905,450.00 1,260,997.00 618,570.00 -1,323,116.00 1,997,339.00 1,317,029.00 645,212.00 -965,501.00 1,704,140.00 1,087,096.00 516,729.00 -408,839.00 940,496.00 577,346.00 283,099.00 -632,072.00 923,956.00 620,729.00 305,420.00
Cost Of Revenue 10,716.00 2,697.00 1,657.00 8,493.00 18,000.00 16,000.00 8,000.00 -43,000.00 40,000.00 33,000.00 16,000.00 15,000.00 15,000.00 0 0 -136,000.00 166,000.00 120,000.00 50,000.00
Interest Income 1,905,450.00 1,260,997.00 618,570.00 -1,323,116.00 1,997,339.00 1,317,029.00 645,212.00 -935,818.00 1,704,140.00 1,087,096.00 516,729.00 -404,155.00 940,496.00 579,837.00 284,206.00 -603,478.00 892,270.00 597,242.00 299,598.00
Interest Expense 923,387.00 616,580.00 302,319.00 -752,997.00 1,099,627.00 727,436.00 351,640.00 -226,267.00 728,635.00 412,487.00 164,381.00 55,865.00 81,742.00 34,917.00 14,688.00 -25,430.00 46,639.00 33,403.00 17,819.00
Net Interest 2,804,196.00 1,847,630.00 912,514.00 1,845,010.00 897,712.00 589,593.00 293,572.00 -730,282.00 975,505.00 674,609.00 352,348.00 -458,214.00 858,754.00 542,429.00 268,411.00 -564,072.00 840,956.00 560,729.00 280,420.00
Non-Interest Income 1,813,939.00 1,183,440.00 562,997.00 1,291,847.00 629,597.00 421,405.00 161,701.00 -893,491.00 585,066.00 386,914.00 711,460.00 -1,180,230.00 446,171.00 1,025,892.00 351,424.00 -2,169,950.00 2,393,328.00 368,500.00 163,897.00
Non-Interest Expense 2,849,396.00 1,859,676.00 922,794.00 1,609,080.00 1,018,099.00 677,074.00 340,384.00 792,341.00 948,798.00 624,485.00 305,812.00 657,050.00 846,024.00 551,273.00 277,618.00 610,554.00 878,213.00 586,936.00 282,627.00
Provisions for Credit Losses 10,716.00 2,697.00 1,657.00 8,493.00 18,000.00 16,000.00 8,000.00 -43,000.00 40,000.00 33,000.00 16,000.00 15,000.00 15,000.00 0 0 136,000.00 -166,000.00 -120,000.00 -50,000.00
Gross Profit 1,894,734.00 1,258,300.00 616,913.00 -1,331,609.00 1,979,339.00 1,301,029.00 637,212.00 -922,501.00 1,664,140.00 1,054,096.00 500,729.00 436,606.00 925,496.00 0 0 -496,072.00 757,956.00 500,729.00 255,420.00
   Selling, General and Administrative Expenses 329,393.00 217,158.00 106,296.00 -192,454.00 305,899.00 201,588.00 99,842.00 -192,399.00 300,525.00 198,328.00 98,771.00 -174,110.00 279,408.00 183,804.00 92,306.00 -156,076.00 251,843.00 164,144.00 81,703.00
EBT 1,615,838.00 1,072,949.00 504,357.00 1,339,673.00 491,210.00 317,924.00 106,889.00 -500,964.00 571,773.00 404,038.00 208,401.00 -110,022.00 443,901.00 247,629.00 78,649.00 -436,958.00 644,075.00 402,293.00 186,690.00
Income Tax 111,397.00 75,683.00 34,992.00 -56,803.00 103,811.00 70,498.00 23,195.00 50,667.00 123,162.00 89,906.00 45,905.00 117,436.00 92,000.00 52,319.00 16,197.00 77,149.00 144,939.00 90,878.00 42,382.00
Net Income Including Non-Controlling Interests 400,666.00 259,749.00 119,783.00 -264,527.00 387,447.00 247,406.00 153,259.00 -364,349.00 504,975.00 347,029.00 176,419.00 -109,272.00 351,787.00 195,358.00 82,380.00 -342,116.00 502,470.00 313,547.00 147,812.00
Net Income Non-Controlling Interests 23.00 46.00 -6.00 15.00 -32.00 10.00 -9.00 -637.00 440.00 456.00 128.00 23.00 57.00 -24.00 -36.00 893.00 -1,667.00 -1,066.00 -1,752.00
Net Income 400,689.00 259,795.00 119,777.00 -264,512.00 387,415.00 247,416.00 153,250.00 -364,986.00 505,415.00 347,485.00 176,547.00 -109,249.00 351,844.00 195,334.00 82,344.00 -341,223.00 500,803.00 312,481.00 146,060.00
EBIT 2,539,225.00 1,689,529.00 806,676.00 586,676.00 1,590,837.00 1,045,360.00 458,529.00 -727,231.00 1,300,408.00 816,525.00 372,782.00 -54,157.00 525,643.00 282,546.00 93,337.00 -462,388.00 690,714.00 435,696.00 204,509.00
Deprecation and Amortization 121,688.00 80,499.00 39,906.00 -67,168.00 110,041.00 72,187.00 35,315.00 -61,704.00 95,218.00 65,316.00 31,048.00 -42,620.00 71,539.00 46,554.00 22,875.00 -38,378.00 61,910.00 40,578.00 20,065.00
EBITDA 2,660,913.00 1,770,028.00 846,582.00 519,508.00 1,700,878.00 1,117,547.00 493,844.00 -788,935.00 1,395,626.00 881,841.00 403,830.00 -96,777.00 597,182.00 329,100.00 116,212.00 -500,766.00 752,624.00 476,274.00 224,574.00
EPS 0.01 0.00 0.00 -0.00 0.01 0.00 0.00 -0.00 0.01 0.00 0.00 -0.00 0.01 0.00 0.00 -0.00 0.01 0.00 0.00
Diluted EPS 0.01 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.01 0.00 0.00
Average Shares Outstanding Basic 63,196.04 63,376.86 63,547.51 62,857.90 63,830.19 64,002.15 64,290.11 64,157.16 65,955.29 66,162.05 66,331.77 66,012.33 67,409.79 67,616.40 67,812.40 67,486.52 68,768.04 68,975.74 69,137.38
Average Shares Outstanding Diluted 63,196.04 63,376.86 63,547.51 62,857.90 63,830.19 64,002.15 64,290.11 64,157.16 65,955.29 66,162.05 66,331.77 66,008.03 67,411.22 67,617.83 67,813.85 67,486.12 68,770.66 68,978.80 69,141.71
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 977,503.00 109,656.00 20,259.00 30,410.00 889,448.00 642,765.00 179,220.00 -2,032,824.00 527,942.00 -559,770.00 2,464,780.00 -12,322,911.00 7,343,918.00 6,435,292.00 3,933,254.00 -2,417,641.00 -83,326.00 -487,766.00 -218,877.00
   Operating Net Income 1,202,113.00 779,477.00 359,319.00 -779,847.00 1,549,612.00 989,694.00 334,785.00 -1,045,041.00 1,794,004.00 1,256,072.00 649,856.00 162,770.00 1,407,547.00 781,264.00 249,844.00 -738,704.00 1,998,211.00 1,246,726.00 578,984.00
   Deprecation and Amortization 121,688.00 80,499.00 39,906.00 -67,168.00 110,041.00 72,187.00 35,315.00 -61,704.00 95,218.00 65,316.00 31,048.00 -42,620.00 71,539.00 46,554.00 22,875.00 -38,378.00 61,910.00 40,578.00 20,065.00
   Deferred Income Tax 0 0 0 8,280.00 0 0 0 -19,783.00 0 0 0 -5,465.00 0 0 0 37,514.00 0 0 0
   Share Based Compensation 17,456.00 11,698.00 5,870.00 -10,106.00 18,379.00 10,062.00 4,548.00 -15,738.00 14,273.00 11,114.00 6,701.00 -766.00 6,650.00 2,845.00 2,835.00 -2,732.00 5,677.00 4,090.00 2,724.00
   Change in Working Capital -691,306.00 1,297,630.00 1,707,169.00 -143,106.00 -160,687.00 -127,420.00 -6,124.00 1,935,544.00 -139,635.00 949,287.00 -2,129,310.00 13,213,458.00 -7,071,620.00 -6,383,994.00 -4,103,813.00 2,429,685.00 712,029.00 909,100.00 294,967.00
   Other Operating Activities 327,552.00 -2,059,648.00 -2,092,005.00 1,022,357.00 -627,897.00 -301,758.00 -189,304.00 -2,826,102.00 -1,235,918.00 -2,841,559.00 3,906,485.00 -25,650,288.00 12,929,802.00 11,988,623.00 7,761,513.00 -4,105,026.00 -2,861,153.00 -2,688,260.00 -1,115,617.00
Investing Cash Flow -782,388.00 -251,852.00 434,730.00 1,574,733.00 -338,392.00 -1,119,211.00 -596,912.00 1,127,000.00 -1,606,128.00 -969,250.00 -313,260.00 -27,305.00 -2,326,023.00 -1,375,217.00 -903,682.00 -522,777.00 2,147,445.00 978,860.00 -22,064.00
   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 128,798.00 92,215.00 53,141.00 -91,148.00 142,480.00 99,869.00 45,535.00 -153,391.00 165,895.00 127,011.00 66,111.00 -71,402.00 169,079.00 130,861.00 47,277.00 -174,194.00 271,152.00 165,520.00 106,849.00
   Net Purchase/Sale of Investments Net 4,173,643.00 2,518,001.00 1,327,723.00 -5,620,534.00 5,384,036.00 4,088,297.00 2,834,191.00 -981,276.00 3,466,752.00 2,231,938.00 1,021,087.00 -3,003,695.00 4,914,211.00 3,534,783.00 1,972,608.00 -5,421,296.00 6,998,663.00 4,839,333.00 2,435,604.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 -32,601.00 0 0 0 0 0 0 0 0 0 0 0
   Net Loan & Lease Activity 195,624.00 1,349,900.00 2,348,586.00 -2,853,326.00 1,103,752.00
   Other Investing Activities -5,805,115.00 -3,016,052.00 -502,345.00 8,093,434.00 -5,943,946.00 -5,959,308.00 -3,748,312.00 2,978,557.00 -6,407,176.00 -4,006,899.00 -1,587,546.00 3,802,520.00 -8,981,774.00 -6,111,586.00 -3,383,695.00 3,114,914.00 -2,431,759.00 -2,404,146.00 -2,065,850.00
Financing Cash Flow -203,773.00 66,558.00 -472,995.00 -1,109,624.00 -423,281.00 204,344.00 225,174.00 909,685.00 1,051,405.00 1,574,634.00 -2,189,252.00 14,347,460.00 -6,246,396.00 -5,860,135.00 -4,499,201.00 3,615,187.00 -1,352,714.00 -412,212.00 479,564.00
   Net Issuance/Repayment of Debt -146,702.00 475,337.00 -339,662.00 1,166,136.00 -3,363,116.00 -1,490,267.00 -839,632.00 -1,635,764.00 1,906,678.00 2,208,867.00 -677,232.00 9,081,156.00 -1,528,634.00 -1,671,503.00 -1,271,195.00 3,867,631.00 -2,734,198.00 -1,324,500.00 -1,078,174.00
   Net Issuance/Repurchase of Equity 104,776.00 57,619.00 -4,428.00 -49,005.00 86,079.00 86,149.00 48,961.00 119,494.00 121,916.00 62,371.00 39,975.00 71,671.00 117,551.00 67,571.00 43,167.00 52,275.00 99,646.00 59,002.00 15,205.00
   Dividends Paid 109,288.00 73,017.00 36,468.00 -69,692.00 106,125.00 70,979.00 35,569.00 -72,803.00 107,738.00 72,107.00 36,356.00 -72,294.00 107,611.00 72,188.00 36,295.00 -71,812.00 107,699.00 72,026.00 36,192.00
   Other Financing Activities -271,135.00 -539,415.00 -165,373.00 -2,157,063.00 2,747,631.00 1,537,483.00 980,276.00 2,498,758.00 -1,084,927.00 -768,711.00 -1,588,351.00 5,266,927.00 -4,942,924.00 -4,328,391.00 -3,307,468.00 -232,907.00 1,174,139.00 781,260.00 1,506,341.00
Net Change in Cash -8,658.00 -75,638.00 -18,006.00 495,519.00 127,775.00 -272,102.00 -192,518.00 3,861.00 -26,781.00 45,614.00 -37,732.00 1,997,244.00 -1,228,501.00 -800,060.00 -1,469,629.00 674,769.00 711,405.00 78,882.00 238,623.00
   Cash at Beginning of Period 1,434,701.00 1,434,701.00 1,434,701.00 939,182.00 1,348,265.00 1,348,265.00 1,348,265.00 1,344,404.00 1,401,716.00 1,401,716.00 1,401,716.00 -595,528.00 2,837,410.00 2,837,410.00 2,837,410.00 0.00 0 0 0
   Cash at End of Period 1,426,043.00 1,359,063.00 1,416,695.00 1,434,701.00 1,476,040.00 1,076,163.00 1,155,747.00 1,348,265.00 1,374,935.00 1,447,330.00 1,363,984.00 1,401,716.00 1,608,909.00 2,037,350.00 1,367,781.00 0 0 0 0
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0