CARE
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 16.59 | 14.97 | 8.17 | 12.93 |
| Price to Sales | 20.67 | 20.15 | 21.36 | 20.37 |
| Book Value Per Common Share | 49.98 | 45.90 | 41.15 | 46.26 |
| Price to Book | 0.35 | 0.33 | 0.40 | 0.33 |
| Price to Operating Cash Flow | 10.91 | 5.61 | 3.67 | 4.93 |
| Price to Free Cash Flow | ||||
| Enterprise Value to EBITDA | 28655.59 | 33384.61 | 48300.28 | 67966.80 |
| 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 | 19.41 | 22.82 | 41.49 | 24.84 | 32.87 | 50.56 | 11.71 | 16.25 | 20.90 | 11.67 | 16.50 | 48.25 | 14.51 | 22.34 | 38.78 | ||||
| Price to Sales | 49.37 | 86.59 | 158.01 | 71.75 | 87.65 | 228.85 | 68.66 | 88.85 | 201.44 | ||||||||||
| Book Value Per Common Share | 18.43 | 17.89 | 17.35 | 49.98 | 16.77 | 15.79 | 15.60 | 45.90 | 14.40 | 14.73 | 14.85 | 41.15 | 13.06 | 13.60 | 14.35 | 46.26 | 15.34 | 15.08 | 14.66 |
| Price to Book | 1.05 | 0.97 | 0.93 | 0.35 | 1.04 | 0.96 | 0.81 | 0.33 | 0.87 | 1.00 | 0.94 | 0.40 | 1.23 | 0.97 | 1.21 | 0.33 | 0.93 | 0.83 | 0.95 |
| Price to Operating Cash Flow | 15.82 | 24.79 | 58.06 | 15.56 | 22.72 | 16.32 | 7.55 | 11.82 | 14.83 | 8.38 | 12.37 | 35.86 | 6.24 | 14.05 | 1026.47 | ||||
| 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 | 6.00 | -50.74 | 70.59 | |
| Revenue YoY | 12.43 | -9.63 | -4.00 | |
| EBITDA YoY | 37.56 | 25.10 | 37.50 | |
| Net Profit YoY | 4.87 | -53.34 | 58.65 |
| 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 | 31.58 | 94.87 | 52.17 | 84.00 | 17.58 | 35.82 | 72.50 | 122.22 | 75.00 | 55.56 | |||||||||
| Revenue YoY | 47.09 | 91.88 | -73.02 | 47.28 | 93.65 | -78.08 | 47.26 | 102.35 | |||||||||||
| EBITDA YoY | 44.95 | 97.59 | 53.50 | 99.54 | 47.95 | 75.81 | 73.82 | 112.00 | 59.40 | 73.54 | |||||||||
| Net Profit YoY | 31.03 | 95.05 | 53.03 | 82.65 | 16.76 | 35.78 | 71.68 | 115.61 | 75.46 | 57.94 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | 5.75 | 2.35 | 1.91 | 14.60 |
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 5.56 | 5.92 | 5.90 | 4.57 |
| 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 | 4.72 | 4.37 | 3.89 | 5.69 | 4.60 | 2.71 | 4.75 | 2.38 | 2.37 | 2.25 | 3.42 | 1.96 | 4.41 | 4.55 | 6.72 | 14.55 | 12.54 | 12.58 | 12.41 |
| Quick Ratio | |||||||||||||||||||
| Current Ratio | |||||||||||||||||||
| Debt to Equity | 10.72 | 10.79 | 10.70 | 5.56 | 10.93 | 11.44 | 11.69 | 5.92 | 12.47 | 11.74 | 11.30 | 5.90 | 12.07 | 11.34 | 10.50 | 4.57 | 9.19 | 9.32 | 9.68 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 0.49 | 0.48 | 1.11 | 0.70 |
| ROE | 3.19 | 3.33 | 7.63 | 3.87 |
| Gross Margin | 87.34 | 83.17 | ||
| Operating Margin | 711.59 | 595.53 | 429.03 | 293.50 |
| EBITDA Margin | 729.43 | 596.15 | 430.68 | 300.69 |
| Net Profit Margin | 126.32 | 135.43 | 262.32 | 158.73 |
| 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 | 0.47 | 0.37 | 0.19 | 0.35 | 0.23 | 0.13 | 0.57 | 0.49 | 0.37 | 0.84 | 0.49 | 0.23 | 0.63 | 0.36 | 0.23 | ||||
| ROE | 5.54 | 4.31 | 2.23 | 4.20 | 2.91 | 1.62 | 7.64 | 6.29 | 4.49 | 10.96 | 6.02 | 2.60 | 6.40 | 3.71 | 2.42 | ||||
| Gross Margin | 62.86 | 32.78 | 57.50 | 35.38 | 67.74 | -175.33 | -643.54 | -1380.83 | |||||||||||
| Operating Margin | 1351.24 | 1346.32 | 1472.83 | 1008.96 | 850.87 | 773.58 | 853.26 | 781.05 | 913.65 | ||||||||||
| EBITDA Margin | 1367.95 | 1359.97 | 1484.23 | 1009.78 | 855.61 | 781.57 | 881.51 | 814.36 | 949.54 | ||||||||||
| Net Profit Margin | 425.38 | 535.90 | 757.29 | 619.55 | 531.49 | 477.37 | 476.17 | 399.65 | 512.02 |
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 | 5,043,502.00 | 4,863,934.00 | 4,533,149.00 | 4,541,649.00 |
| Deposits | 6,945,459.00 | 6,277,106.00 | 6,060,384.00 | 6,196,399.00 |
| Cash and Short-Term Investments | 131,171.00 | 54,529.00 | 46,869.00 | 384,544.00 |
| Cash and Cash Equivalents | 131,171.00 | 54,529.00 | 46,869.00 | 384,544.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 |
| Net Receivables | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 74,623.00 | 74,126.00 | 78,414.00 | 78,597.00 |
| 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 | 4,274,876.00 | 4,161,296.00 | 3,875,892.00 | 3,726,150.00 |
| 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 | 768,626.00 | 702,638.00 | 657,257.00 | 815,499.00 |
| Shareholders Equity | 1,152,939.00 | 1,053,729.00 | 985,881.00 | 1,222,788.00 |
| Capital Stock | 23,069.00 | 22,957.00 | 23,957.00 | 26,431.00 |
| Share Premium | 92,159.00 | 90,642.00 | 104,693.00 | 143,988.00 |
| Retained Earnings | 333,606.00 | 309,083.00 | 285,593.00 | 235,475.00 |
| Treasury Shares | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -64,521.00 | -71,439.00 | -85,616.00 | 1,702.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Investments | 60,246.00 | 17,437.00 | 22,973.00 | 3,508.00 |
| Debt | 10,103.00 | 7,287.00 | 6,600.00 | 3,400.00 |
| Common Shares Outstanding | 23,069.17 | 22,956.30 | 23,956.77 | 26,430.92 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 19,413.00 | 17,267.00 | 19,106.00 | 19,902.00 |
| Cost Of Revenue | 0 | 0 | 2,419.00 | 3,350.00 |
| Interest Income | 221,719.00 | 196,838.00 | 160,182.00 | 133,897.00 |
| Interest Expense | 107,272.00 | 74,110.00 | 20,254.00 | 22,714.00 |
| Net Interest | 114,457.00 | 122,310.00 | 139,928.00 | 111,183.00 |
| Non-Interest Income | 21,368.00 | 18,278.00 | 21,718.00 | 28,881.00 |
| Non-Interest Expense | 110,002.00 | 105,466.00 | 97,001.00 | 102,285.00 |
| Provisions for Credit Losses | 0 | 0 | 2,419.00 | 3,350.00 |
| Gross Profit | 0 | 0 | 16,687.00 | 16,552.00 |
| Selling, General and Administrative Expenses | 33,694.00 | 30,975.00 | 29,930.00 | 28,858.00 |
| EBT | 30,869.00 | 28,721.00 | 61,717.00 | 35,698.00 |
| Income Tax | 5,690.00 | 4,803.00 | 11,022.00 | 3,662.00 |
| Net Income | 24,523.00 | 23,384.00 | 50,118.00 | 31,590.00 |
| EBIT | 138,141.00 | 102,831.00 | 81,971.00 | 58,412.00 |
| Deprecation and Amortization | 3,463.00 | 106.00 | 314.00 | 1,431.00 |
| EBITDA | 141,604.00 | 102,937.00 | 82,285.00 | 59,843.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 22,817.15 | 23,240.54 | 24,595.79 | 26,342.73 |
| Average Shares Outstanding Diluted | 22,817.15 | 23,240.54 | 24,595.79 | 26,342.73 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 36,779.00 | 61,988.00 | 111,125.00 | 82,198.00 |
| Operating Net Income | 73,569.00 | 70,152.00 | 150,354.00 | 94,770.00 |
| Deprecation and Amortization | 3,463.00 | -106.00 | 314.00 | 1,431.00 |
| Deferred Income Tax | 2,689.00 | 884.00 | 3,630.00 | 3,114.00 |
| Share Based Compensation | 1,752.00 | 1,561.00 | 1,314.00 | 1,040.00 |
| Change in Working Capital | -52.00 | 9,268.00 | 6,822.00 | -12,021.00 |
| Other Operating Activities | -44,642.00 | -19,771.00 | -51,309.00 | -6,136.00 |
| Investing Cash Flow | -68,518.00 | -307,423.00 | -382,421.00 | -106,355.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 8,133.00 | 9,798.00 | 6,298.00 | 8,484.00 |
| Net Purchase/Sale of Investments Net | 106,533.00 | 117,162.00 | 240,104.00 | 778,900.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 135,888.00 | 359,407.00 | 342,877.00 | 67,131.00 |
| Other Investing Activities | -319,072.00 | -793,790.00 | -971,700.00 | -960,870.00 |
| Financing Cash Flow | 108,106.00 | 251,525.00 | 37,423.00 | 64,517.00 |
| Net Issuance/Repayment of Debt | 4,063,400.00 | 230,720.00 | 155,680.00 | 28,000.00 |
| Net Issuance/Repurchase of Equity | 0 | 16,416.00 | 42,927.00 | 157.00 |
| Dividends Paid | 0 | 0 | 0 | 0 |
| Other Financing Activities | -3,955,294.00 | 4,389.00 | -161,184.00 | 36,360.00 |
| Net Change in Cash | 76,367.00 | 6,090.00 | -233,873.00 | 40,360.00 |
| Cash at Beginning of Period | 54,804.00 | 48,439.00 | 280,742.00 | 237,439.00 |
| Cash at End of Period | 131,171.00 | 54,529.00 | 46,869.00 | 277,799.00 |
| 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 | 4,840,119.00 | 4,784,091.00 | 4,700,287.00 | 5,043,502.00 | 4,613,435.00 | 4,532,509.00 | 4,554,946.00 | 4,863,934.00 | 4,452,168.00 | 4,383,990.00 | 4,365,549.00 | 4,533,149.00 | 4,114,310.00 | 4,123,280.00 | 4,123,226.00 | 4,541,649.00 | 4,134,063.00 | 4,120,513.00 | 4,142,130.00 |
| Deposits | 7,004,964.00 | 7,004,273.00 | 6,976,081.00 | 6,945,459.00 | 6,892,230.00 | 6,543,841.00 | 6,473,447.00 | 6,277,106.00 | 5,981,020.00 | 5,977,911.00 | 5,878,732.00 | 6,060,384.00 | 6,223,360.00 | 6,303,181.00 | 6,268,011.00 | 6,196,399.00 | 6,177,657.00 | 6,183,774.00 | 6,183,761.00 |
| Cash and Short-Term Investments | 106,948.00 | 99,905.00 | 88,999.00 | 131,171.00 | 104,992.00 | 61,746.00 | 108,110.00 | 54,529.00 | 55,398.00 | 53,275.00 | 81,378.00 | 46,869.00 | 109,586.00 | 114,179.00 | 173,032.00 | 384,544.00 | 330,292.00 | 331,039.00 | 327,677.00 |
| Cash and Cash Equivalents | 106,948.00 | 99,905.00 | 88,999.00 | 131,171.00 | 104,992.00 | 61,746.00 | 108,110.00 | 54,529.00 | 55,398.00 | 53,275.00 | 81,378.00 | 46,869.00 | 109,586.00 | 114,179.00 | 173,032.00 | 384,544.00 | 330,292.00 | 331,039.00 | 327,677.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.90 | 0 | 0 | 0 | 0 | 0 |
| 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 | 71,653.00 | 72,105.00 | 73,944.00 | 74,623.00 | 73,433.00 | 73,347.00 | 73,339.00 | 74,126.00 | 73,932.00 | 74,946.00 | 72,495.00 | 78,414.00 | 73,344.00 | 73,202.00 | 73,402.00 | 78,597.00 | 74,771.00 | 73,301.00 | 85,349.00 |
| Goodwill | 1,193.00 | 1,193.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 1,007.00 | 1,073.00 | 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 | 4,427,281.00 | 4,378,456.00 | 4,298,521.00 | 4,274,876.00 | 4,226,610.00 | 4,168,098.00 | 4,195,880.00 | 4,161,296.00 | 4,121,547.00 | 4,039,753.00 | 4,010,669.00 | 3,875,892.00 | 3,799,494.00 | 3,789,138.00 | 3,764,670.00 | 3,726,150.00 | 3,728,193.00 | 3,721,405.00 | 3,754,241.00 |
| 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 | 412,838.00 | 405,635.00 | 401,766.00 | 768,626.00 | 386,825.00 | 364,411.00 | 359,066.00 | 702,638.00 | 330,621.00 | 344,237.00 | 354,880.00 | 657,257.00 | 314,816.00 | 334,142.00 | 358,556.00 | 815,499.00 | 405,870.00 | 399,108.00 | 387,889.00 |
| Shareholders Equity | 412,838.00 | 405,635.00 | 401,766.00 | 1,152,939.00 | 386,825.00 | 364,411.00 | 359,066.00 | 1,053,729.00 | 330,621.00 | 344,237.00 | 354,880.00 | 985,881.00 | 314,816.00 | 334,142.00 | 358,556.00 | 1,222,788.00 | 405,870.00 | 399,108.00 | 387,889.00 |
| Capital Stock | 22,406.00 | 22,670.00 | 23,162.00 | 23,069.00 | 23,072.00 | 23,073.00 | 23,021.00 | 22,957.00 | 22,956.00 | 23,372.00 | 23,896.00 | 23,957.00 | 24,111.00 | 24,577.00 | 24,987.00 | 26,431.00 | 26,461.00 | 26,467.00 | 26,468.00 |
| Share Premium | 79,997.00 | 84,146.00 | 92,418.00 | 92,159.00 | 91,732.00 | 91,274.00 | 90,947.00 | 90,642.00 | 90,254.00 | 95,506.00 | 102,814.00 | 104,693.00 | 107,031.00 | 113,975.00 | 121,045.00 | 143,988.00 | 144,153.00 | 143,874.00 | 143,582.00 |
| Retained Earnings | 356,488.00 | 351,069.00 | 342,559.00 | 333,606.00 | 325,326.00 | 319,697.00 | 314,894.00 | 309,083.00 | 310,971.00 | 307,344.00 | 301,534.00 | 285,593.00 | 269,984.00 | 255,576.00 | 244,798.00 | 235,475.00 | 229,865.00 | 218,692.00 | 213,260.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -46,053.00 | -52,250.00 | -56,373.00 | -64,521.00 | -53,305.00 | -69,633.00 | -69,796.00 | -71,439.00 | -93,560.00 | -81,985.00 | -73,364.00 | -85,616.00 | -86,310.00 | -59,986.00 | -32,274.00 | 1,702.00 | 5,391.00 | 10,075.00 | 4,579.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 61,614.00 | 61,200.00 | 61,068.00 | 60,246.00 | 31,242.00 | 30,378.00 | 19,722.00 | 17,437.00 | 25,291.00 | 21,101.00 | 18,746.00 | 22,973.00 | 24,102.00 | 17,836.00 | 10,777.00 | 3,508.00 | 3,351.00 | 2,772.00 | 3,295.00 |
| Debt | 0 | 0 | 0 | 10,103.00 | 0 | 0 | 0 | 7,287.00 | 0 | 0 | 0 | 6,600.00 | 0 | 0 | 0 | 3,400.00 | 0 | 0 | 0 |
| Common Shares Outstanding | 22,406.41 | 22,669.83 | 23,161.99 | 23,069.17 | 23,072.01 | 23,072.75 | 23,020.54 | 22,956.30 | 22,955.75 | 23,371.83 | 23,895.54 | 23,956.77 | 24,111.17 | 24,577.48 | 24,986.73 | 26,430.92 | 26,461.43 | 26,466.75 | 26,467.53 |
| 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 | 0 | 0 | 0 | 19,413.00 | 0 | 0 | 0 | 5,182.00 | 5,941.00 | 4,039.00 | 2,105.00 | 7,801.00 | 5,570.00 | 3,782.00 | 1,953.00 | 8,910.00 | 5,456.00 | 3,705.00 | 1,831.00 |
| Cost Of Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,500.00 | 1,415.00 | -3,022.00 | 2,367.00 | 2,444.00 | 630.00 | -66,334.00 | 15,022.00 | 27,548.00 | 27,114.00 |
| Interest Income | 172,924.00 | 113,754.00 | 56,007.00 | -106,189.00 | 165,227.00 | 108,632.00 | 54,049.00 | -95,345.00 | 144,557.00 | 95,671.00 | 51,955.00 | -54,101.00 | 111,966.00 | 69,639.00 | 32,678.00 | -66,075.00 | 100,964.00 | 66,051.00 | 32,957.00 |
| Interest Expense | 76,708.00 | 51,257.00 | 25,869.00 | -50,397.00 | 79,918.00 | 52,121.00 | 25,630.00 | -14,902.00 | 49,667.00 | 28,175.00 | 11,170.00 | -6,720.00 | 13,560.00 | 8,958.00 | 4,456.00 | -13,864.00 | 17,831.00 | 12,319.00 | 6,428.00 |
| Net Interest | 96,216.00 | 62,497.00 | 30,138.00 | -55,782.00 | 85,309.00 | 56,511.00 | 28,419.00 | -80,861.00 | 94,890.00 | 67,496.00 | 40,785.00 | -47,381.00 | 98,406.00 | 60,681.00 | 28,222.00 | -52,211.00 | 83,133.00 | 53,732.00 | 26,529.00 |
| Non-Interest Income | 17,179.00 | 11,809.00 | 6,901.00 | -10,255.00 | 16,000.00 | 10,578.00 | 5,045.00 | -11,253.00 | 15,033.00 | 9,763.00 | 4,735.00 | -10,730.00 | 16,174.00 | 10,939.00 | 5,335.00 | -19,366.00 | 23,105.00 | 16,190.00 | 8,952.00 |
| Non-Interest Expense | 86,050.00 | 57,346.00 | 28,042.00 | -51,094.00 | 81,136.00 | 53,703.00 | 26,257.00 | -44,228.00 | 76,394.00 | 49,112.00 | 24,188.00 | -40,815.00 | 69,384.00 | 45,921.00 | 22,511.00 | -48,733.00 | 76,049.00 | 51,364.00 | 23,605.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,500.00 | 1,415.00 | -3,022.00 | 2,367.00 | 2,444.00 | 630.00 | -66,334.00 | 15,022.00 | 27,548.00 | 27,114.00 |
| Gross Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,539.00 | 690.00 | 10,823.00 | 3,203.00 | 1,338.00 | 1,323.00 | 75,244.00 | -9,566.00 | -23,843.00 | -25,283.00 |
| Selling, General and Administrative Expenses | 28,440.00 | 18,791.00 | 9,308.00 | -14,725.00 | 24,428.00 | 16,162.00 | 7,829.00 | -12,335.00 | 22,315.00 | 14,471.00 | 6,524.00 | -11,878.00 | 21,042.00 | 13,823.00 | 6,943.00 | -14,592.00 | 21,697.00 | 14,562.00 | 7,191.00 |
| EBT | 28,918.00 | 21,764.00 | 11,136.00 | -9,709.00 | 20,186.00 | 13,158.00 | 7,234.00 | -47,925.00 | 30,610.00 | 26,203.00 | 19,833.00 | -14,796.00 | 42,639.00 | 23,222.00 | 10,652.00 | -19,945.00 | 28,723.00 | 16,619.00 | 10,301.00 |
| Income Tax | 6,036.00 | 4,301.00 | 2,183.00 | -2,220.00 | 3,943.00 | 2,544.00 | 1,423.00 | -8,985.00 | 5,338.00 | 4,558.00 | 3,892.00 | -1,558.00 | 8,130.00 | 3,121.00 | 1,329.00 | -1,819.00 | 2,743.00 | 1,812.00 | 926.00 |
| Net Income | 22,882.00 | 17,463.00 | 8,953.00 | -8,145.00 | 16,243.00 | 10,614.00 | 5,811.00 | -39,474.00 | 25,272.00 | 21,645.00 | 15,941.00 | -13,815.00 | 34,509.00 | 20,101.00 | 9,323.00 | -18,572.00 | 25,980.00 | 14,807.00 | 9,375.00 |
| EBIT | 105,626.00 | 73,021.00 | 37,005.00 | -60,106.00 | 100,104.00 | 65,279.00 | 32,864.00 | -62,827.00 | 80,277.00 | 54,378.00 | 31,003.00 | -21,516.00 | 56,199.00 | 32,180.00 | 15,108.00 | -33,809.00 | 46,554.00 | 28,938.00 | 16,729.00 |
| Deprecation and Amortization | 3,324.00 | 2,143.00 | 1,036.00 | -1,197.00 | 2,481.00 | 1,551.00 | 628.00 | -1,678.00 | 993.00 | 551.00 | 240.00 | -67.00 | 46.00 | 179.00 | 156.00 | -2,001.00 | 1,541.00 | 1,234.00 | 657.00 |
| EBITDA | 108,950.00 | 75,164.00 | 38,041.00 | -61,303.00 | 102,585.00 | 66,830.00 | 33,492.00 | -64,505.00 | 81,270.00 | 54,929.00 | 31,243.00 | -21,583.00 | 56,245.00 | 32,359.00 | 15,264.00 | -35,810.00 | 48,095.00 | 30,172.00 | 17,386.00 |
| 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 | 22,655.93 | 22,839.41 | 22,873.80 | 22,889.69 | 22,810.11 | 22,798.48 | 22,770.31 | 22,143.51 | 23,407.07 | 23,641.11 | 23,770.48 | 22,703.45 | 24,827.14 | 25,111.93 | 25,740.64 | 26,307.72 | 26,339.93 | 26,314.94 | 26,408.32 |
| Average Shares Outstanding Diluted | 22,655.93 | 22,839.41 | 22,873.80 | 22,889.69 | 22,810.11 | 22,798.48 | 22,770.31 | 22,143.51 | 23,407.07 | 23,641.11 | 23,770.48 | 22,703.45 | 24,827.14 | 25,111.93 | 25,740.64 | 26,439.15 | 26,339.93 | 26,314.94 | 26,276.89 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 27,790.00 | 15,975.00 | 6,376.00 | -21,517.00 | 25,487.00 | 15,175.00 | 17,634.00 | -28,894.00 | 38,855.00 | 29,592.00 | 22,435.00 | 24,159.00 | 47,698.00 | 26,798.00 | 12,470.00 | -1,619.00 | 60,021.00 | 23,437.00 | 359.00 |
| Operating Net Income | 22,882.00 | 17,463.00 | 8,953.00 | 40,901.00 | 16,243.00 | 10,614.00 | 5,811.00 | 7,294.00 | 25,272.00 | 21,645.00 | 15,941.00 | 86,421.00 | 34,509.00 | 20,101.00 | 9,323.00 | 44,608.00 | 25,980.00 | 14,807.00 | 9,375.00 |
| Deprecation and Amortization | 3,324.00 | 2,143.00 | 1,036.00 | -1,197.00 | 2,481.00 | 1,551.00 | 628.00 | -1,890.00 | 993.00 | 551.00 | 240.00 | 695.00 | -46.00 | -179.00 | -156.00 | -2,001.00 | 1,541.00 | 1,234.00 | 657.00 |
| Deferred Income Tax | 976.00 | 1,628.00 | 1,121.00 | 2,541.00 | 1,377.00 | -1,418.00 | 189.00 | -366.00 | 256.00 | 539.00 | 455.00 | -478.00 | 1,697.00 | 1,257.00 | 1,154.00 | -1,850.00 | 2,965.00 | 1,999.00 | 0 |
| Share Based Compensation | 1,549.00 | 1,010.00 | 481.00 | -879.00 | 1,324.00 | 866.00 | 441.00 | -731.00 | 1,171.00 | 776.00 | 345.00 | -795.00 | 1,010.00 | 704.00 | 395.00 | -439.00 | 772.00 | 499.00 | 208.00 |
| Change in Working Capital | -7,230.00 | -4,590.00 | -6,963.00 | 2,367.00 | -3,442.00 | -3,430.00 | 4,453.00 | 6,597.00 | 2,174.00 | 3,971.00 | -3,474.00 | -8,971.00 | -1,470.00 | 158.00 | 17,105.00 | -2,451.00 | -11,214.00 | 3,510.00 | -1,866.00 |
| Other Operating Activities | 6,289.00 | -1,679.00 | 1,748.00 | -65,250.00 | 7,504.00 | 6,992.00 | 6,112.00 | -39,798.00 | 8,989.00 | 2,110.00 | 8,928.00 | -52,713.00 | 11,998.00 | 4,757.00 | -15,351.00 | -39,486.00 | 39,977.00 | 1,388.00 | -8,015.00 |
| Investing Cash Flow | -144,470.00 | -94,494.00 | -81,054.00 | -32,038.00 | -34,777.00 | -11,944.00 | 10,241.00 | 249,899.00 | -255,481.00 | -176,386.00 | -125,455.00 | 319,220.00 | -270,111.00 | -249,859.00 | -181,671.00 | 148,104.00 | -131,995.00 | -97,424.00 | -25,040.00 |
| 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 | 4,979.00 | 3,440.00 | 1,523.00 | -1,284.00 | 4,996.00 | 3,116.00 | 1,305.00 | -6,083.00 | 7,979.00 | 5,977.00 | 1,925.00 | -2,454.00 | 4,599.00 | 2,936.00 | 1,217.00 | -2,669.00 | 6,281.00 | 3,248.00 | 1,624.00 |
| Net Purchase/Sale of Investments Net | 128,869.00 | 83,762.00 | 49,880.00 | -39,261.00 | 79,142.00 | 55,406.00 | 11,246.00 | -66,831.00 | 79,187.00 | 67,049.00 | 37,757.00 | -355,386.00 | 226,877.00 | 205,659.00 | 162,954.00 | -309,797.00 | 530,560.00 | 375,888.00 | 182,249.00 |
| Net Purchase/Sale of Business | -53,573.00 | -53,573.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 135,888.00 | 359,407.00 | 342,877.00 | 67,131.00 | |||||||||||||||
| Other Investing Activities | -436,048.00 | -251,262.00 | -195,805.00 | 22,024.00 | -217,781.00 | -116,131.00 | -7,184.00 | 510,711.00 | -606,657.00 | -432,149.00 | -265,695.00 | 827,187.00 | -726,426.00 | -644,587.00 | -427,874.00 | 456,782.00 | -678,294.00 | -505,451.00 | -233,907.00 |
| Financing Cash Flow | 92,457.00 | 47,253.00 | 32,506.00 | 18,661.00 | 59,753.00 | 3,986.00 | 25,706.00 | -264,359.00 | 225,155.00 | 153,200.00 | 137,529.00 | 12,161.00 | 10,322.00 | 15,502.00 | -562.00 | -41,900.00 | 55,828.00 | 48,696.00 | 1,893.00 |
| Net Issuance/Repayment of Debt | 818,500.00 | 446,500.00 | 65,000.00 | 3,521,700.00 | 303,400.00 | 155,400.00 | 82,900.00 | -629,745.00 | 351,455.00 | 236,555.00 | 272,455.00 | 90,680.00 | 23,000.00 | 7,000.00 | 35,000.00 | 13,000.00 | 5,000.00 | 5,000.00 | 5,000.00 |
| Net Issuance/Repurchase of Equity | 14,042.00 | 9,138.00 | 0 | 0 | 0 | 0 | 0 | -12,345.00 | 16,416.00 | 10,085.00 | 2,260.00 | -52,983.00 | 40,131.00 | 32,415.00 | 23,364.00 | 157.00 | 0 | 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 | -740,085.00 | -408,385.00 | -32,494.00 | -3,503,039.00 | -243,647.00 | -151,414.00 | -57,194.00 | 377,731.00 | -142,716.00 | -93,440.00 | -137,186.00 | -25,536.00 | -52,809.00 | -23,913.00 | -58,926.00 | -55,057.00 | 50,828.00 | 43,696.00 | -3,107.00 |
| Net Change in Cash | -24,223.00 | -31,266.00 | -42,172.00 | -34,894.00 | 50,463.00 | 7,217.00 | 53,581.00 | -43,354.00 | 8,529.00 | 6,406.00 | 34,509.00 | 355,540.00 | -212,091.00 | -207,559.00 | -169,763.00 | 104,585.00 | -16,146.00 | -25,291.00 | -22,788.00 |
| Cash at Beginning of Period | 131,171.00 | 131,171.00 | 131,171.00 | 166,065.00 | 54,529.00 | 54,529.00 | 54,529.00 | 97,883.00 | 46,869.00 | 46,869.00 | 46,869.00 | -308,671.00 | 277,799.00 | 277,799.00 | 277,799.00 | 173,214.00 | 241,942.00 | 241,942.00 | 241,942.00 |
| Cash at End of Period | 106,948.00 | 99,905.00 | 88,999.00 | 131,171.00 | 104,992.00 | 61,746.00 | 108,110.00 | 54,529.00 | 55,398.00 | 53,275.00 | 81,378.00 | 46,869.00 | 65,708.00 | 70,240.00 | 108,036.00 | 277,799.00 | 225,796.00 | 216,651.00 | 219,154.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |