Valuation Ratios

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Price to Earnings -0.53 -2.51 -3.87 -29.17 -7.96
Price to Sales 2.43 2.51 0.65 0.90
Book Value Per Common Share 5.60 8.23 10.53 13.06 15.69
Price to Book 0.25 0.19 0.38 0.54 0.58
Price to Operating Cash Flow -0.58 -1.13 -1.62 3.51 14.02
Price to Free Cash Flow -0.56 -1.07 -1.59 3.61 15.85
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 2023-06-30 2023-03-31 2022-06-30 2022-03-31 2021-06-30 2021-03-31
Price to Earnings -5.22 -7.86 -1.69 -4.68 -3.28 -8.34 -28.80 -12.64
Price to Sales 1.99 9.44 2.52 1.50 12.54 17.57 36.27
Book Value Per Common Share 5.09 5.42 5.60 6.13 7.76 7.75 8.23 9.42 10.53 11.81 13.06 14.88 15.69
Price to Book 0.47 0.32 0.25 0.30 0.25 0.18 0.19 0.28 0.38 0.49 0.54 0.69 0.58
Price to Operating Cash Flow -8.01 -39.59 -9.14 -3.26 -3.08 -7.05 -1.67 -8.31
Price to Free Cash Flow -7.46 -22.88 -8.70 -3.15 -2.89 -6.79 -1.67 -8.13
Enterprise Value to EBITDA 34918.65 41019.01 101080.05 2627241.12

Earnings Data

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Earning YoY
Revenue YoY 1.52 2.04 -5.16
EBITDA YoY
Net Profit YoY
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-06-30 2023-03-31 2022-06-30 2022-03-31 2021-06-30 2021-03-31
Earning YoY
Revenue YoY 561.93 -42.42 1038.24 -15.74 0.73
EBITDA YoY 48.07 1168.09
Net Profit YoY

Financial Strength

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Cash Per Common Share 9.71 12.18 22.41
Quick Ratio
Current Ratio
Debt to Equity 23.68 16.89 14.99 12.35 11.94
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 2023-06-30 2023-03-31 2022-06-30 2022-03-31 2021-06-30 2021-03-31
Cash Per Common Share 8.33 9.52 9.01 11.48 9.24 9.91 10.12 14.73 22.66 22.96
Quick Ratio
Current Ratio
Debt to Equity 24.92 24.01 23.68 21.55 17.78 17.73 16.89 15.74 14.99 12.65 12.35 12.21 11.94
Long-Term Debt to Equity

Profitability

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
ROA -1.88 -0.39 -0.61 -0.12 -0.58
ROE -46.47 -7.04 -9.73 -1.54 -7.45
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin -457.68 -100.64 -16.68 -3.04
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-06-30 2023-03-31 2022-06-30 2022-03-31 2021-06-30 2021-03-31
ROA -0.35 -0.16 -0.78 -0.28 -0.30 -0.20 -0.12
ROE -9.03 -4.12 -17.50 -5.30 -5.55 -3.34 -1.69
Gross Margin 86.51
Operating Margin 247.51 257.96 126.97 -43.76
EBITDA Margin 270.33 305.36 173.76 13.80
Net Profit Margin -38.10 -122.10 -149.10 -32.12 -382.70 -207.14 -125.84

Dividends

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
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 2023-06-30 2023-03-31 2022-06-30 2022-03-31 2021-06-30 2021-03-31
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Assets 729,991.00 756,796.00 723,224.00 735,314.00 676,748.00
   Deposits 1,234,136.00 1,191,985.00 1,091,457.00 1,148,762.00 1,002,593.00
      Cash and Short-Term Investments 50,315.00 59,025.00 42,552.00 62,118.00 76,539.00
            Cash and Cash Equivalents 50,315.00 59,025.00 42,552.00 61,018.00 75,591.00
            Short-Term Investments 0 0 0 1,100.00 948.00
      Net Receivables 2,980.00 3,662.00 1,911.00 2,414.00 2,640.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 10,257.00 12,411.00 15,485.00 17,412.00 19,955.00
      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 425.00 188.00 63.00 89.00 54.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 700,413.00 714,487.00 678,000.00 680,227.00 624,447.00
      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 3,208.00 4,268.00 3,837.00 2,986.00 1,677.00
      Other Current Liabilities 0 0 0 0 0
      Long-Term Debt 0 0 0 2,500.00 0
      Other Non-Current Liabilities 0 0 0 0 0
Equity 29,578.00 42,309.00 45,224.00 55,087.00 52,301.00
   Shareholders Equity 29,578.00 42,309.00 45,224.00 55,087.00 52,301.00
      Capital Stock 9,635.00 9,634.00 9,068.00 13,818.00 5,058.00
      Share Premium 87,920.00 87,660.00 82,805.00 82,165.00 75,204.00
      Retained Earnings -65,293.00 -51,549.00 -47,904.00 -43,503.00 -42,656.00
      Treasury Shares -2,908.00 -2,908.00 -2,908.00 -2,908.00 -2,908.00
      Accumulated Other Comprehensive Income -11,953.00 -12,705.00 -12,215.00 -6,662.00 -3,175.00
   Minority Interest 0 0 0 0 0
Investments 46,272.00 50,038.00 56,161.00 72,850.00 94,314.00
Debt 8,869.00 10,616.00 13,173.00 14,393.00 16,003.00
Common Shares Outstanding 5,283.56 5,140.87 4,295.61 4,216.81 3,333.27
Preferred Shares Outstanding 9.56 9.56 0 0 0
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Revenues 3,003.00 2,958.00 2,899.00 4,982.00 0
Interest Income 34,282.00 34,019.00 27,700.00 22,865.00 20,307.00
Interest Expense 15,131.00 11,458.00 4,911.00 2,399.00 4,420.00
Net Interest 20,218.00 23,692.00 23,718.00 21,180.00 16,840.00
Non-Interest Income 3,086.00 6,723.00 3,595.00 7,354.00 6,198.00
Non-Interest Expense -34,790.00 -32,178.00 -30,685.00 -28,064.00 -26,081.00
Operating Expenses 46.00 497.00 0 0 0
   Selling, General and Administrative Expenses 24,778.00 22,213.00 21,569.00 18,918.00 18,781.00
   Other Operating Expenses -24,732.00 -21,716.00 0 0 0
EBT 0 0 0 0 0
Income Tax 0.00 0.00 0.00 0.00 0.00
Net Income -13,744.00 -2,977.00 -4,401.00 -847.00 -3,896.00
Deprecation and Amortization 1,016.00 1,263.00 1,455.00 1,638.00 1,607.00
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 5,183.49 4,845.98 4,277.71 3,588.52 3,415.15
Average Shares Outstanding Diluted 5,183.49 4,845.98 4,277.71 3,588.52 3,415.15
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Operating Cash Flow -12,609.00 -6,571.00 -10,513.00 7,152.00 2,212.00
   Operating Net Income -13,744.00 -2,977.00 -4,401.00 -847.00 -3,896.00
   Deprecation and Amortization 1,016.00 1,263.00 1,455.00 1,638.00 1,607.00
   Deferred Income Tax 0 0 0 0 0
   Share Based Compensation 66.00 220.00 91.00 122.00 36.00
   Change in Working Capital -1,364.00 -5,346.00 -7,449.00 5,971.00 5,197.00
   Other Operating Activities 1,417.00 269.00 -209.00 268.00 -732.00
Investing Cash Flow 15,079.00 -20,053.00 -15,262.00 -79,079.00 -76,984.00
   Capital Expenditure -331.00 -360.00 -225.00 -192.00 -256.00
   Net Purchase/Sale of PPE -331.00 -360.00 -225.00 -192.00 -256.00
   Net Purchase/Sale of Investments Net 4,313.00 4,733.00 10,739.00 17,299.00 15,093.00
   Net Purchase/Sale of Business 0 0 0 0 0
   Net Loan & Lease Activity 9,193.00 -24,688.00 -19,094.00 -96,154.00 -55,164.00
   Other Investing Activities 2,235.00 622.00 -6,457.00 160.00 -36,401.00
Financing Cash Flow -11,180.00 43,097.00 7,309.00 57,354.00 102,823.00
   Net Issuance/Repayment of Debt -26,213.00 -4,473.00 34,997.00 -21,202.00 23,705.00
   Net Issuance/Repurchase of Equity 195.00 1,000.00 0 6,998.00 16,374.00
   Dividends Paid 0 0 0 0 0
   Other Financing Activities 14,838.00 46,570.00 -27,688.00 71,558.00 62,744.00
Net Change in Cash -8,710.00 16,473.00 -18,466.00 -14,573.00 28,051.00
   Cash at Beginning of Period 59,025.00 42,552.00 61,018.00 75,591.00 47,540.00
   Cash at End of Period 50,315.00 59,025.00 42,552.00 61,018.00 75,591.00
Free Cash Flow -12,940.00 -6,931.00 -10,738.00 6,960.00 1,956.00
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-06-30 2023-03-31 2022-06-30 2022-03-31 2021-06-30 2021-03-31
Assets 697,933.00 713,624.00 729,991.00 727,530.00 748,760.00 746,510.00 756,796.00 711,650.00 723,224.00 690,926.00 735,314.00 682,927.00 676,748.00
   Deposits 0 1,201,036.00 1,234,136.00 0 0 1,170,718.00 1,191,985.00 1,081,213.00 1,091,457.00 1,070,675.00 1,148,762.00 1,023,859.00 1,002,593.00
      Cash and Short-Term Investments 0 43,835.00 50,315.00 0 0 46,344.00 59,025.00 41,691.00 42,552.00 43,381.00 62,118.00 78,727.00 76,539.00
            Cash and Cash Equivalents 40,747.00 43,835.00 50,315.00 49,959.00 54,545.00 46,344.00 59,025.00 41,691.00 42,552.00 43,381.00 61,018.00 78,727.00 75,591.00
            Short-Term Investments 22,570.00 0 0 44,121.00 48,111.00 0 0 0 0 0 1,100.00 0 948.00
      Net Receivables 3,092.00 0 2,980.00 2,466.00 4,854.00 0 3,662.00 0 1,911.00 0 2,414.00 0 2,640.00
      Inventory 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
      Property, Plant, Equipment Net 8,893.00 9,604.00 10,257.00 11,050.00 11,835.00 11,684.00 12,411.00 14,676.00 15,485.00 16,594.00 17,412.00 19,888.00 19,955.00
      Goodwill 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
      Long-Term Investments 45,719.00 0 0 45,928.00 49,974.00 0 0 0 0 0 0 0 0
      Non-Current Deferred Assets 0 0 425.00 0 0 0 188.00 0 63.00 0 89.00 0 54.00
      Other Non-Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0
Liabilities 671,004.00 685,086.00 700,413.00 695,264.00 708,890.00 706,649.00 714,487.00 669,133.00 678,000.00 640,290.00 680,227.00 631,237.00 624,447.00
      Payables and Expenses 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
            Current Accrued Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0
      Short-Term Debt 0 3,836.00 3,208.00 0 0 4,835.00 4,268.00 0 3,837.00 0 2,986.00 0 1,677.00
      Other Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0
      Long-Term Debt 35,075.00 0 0 47,820.00 48,490.00 0 0 0 0 0 2,500.00 0 0
      Other Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0
Equity 26,929.00 28,538.00 29,578.00 32,266.00 39,870.00 39,861.00 42,309.00 42,517.00 45,224.00 50,636.00 55,087.00 51,690.00 52,301.00
   Shareholders Equity 26,929.00 28,538.00 29,578.00 32,266.00 39,870.00 39,861.00 42,309.00 42,517.00 45,224.00 50,636.00 55,087.00 51,690.00 52,301.00
      Capital Stock 21,812.00 9,635.00 9,635.00 21,812.00 21,811.00 9,634.00 9,634.00 11,621.00 9,068.00 13,269.00 13,818.00 3,237.00 5,058.00
      Share Premium 87,933.00 87,933.00 87,920.00 87,881.00 87,687.00 87,687.00 87,660.00 84,628.00 82,805.00 82,734.00 82,165.00 76,328.00 75,204.00
      Retained Earnings -68,901.00 -66,470.00 -65,293.00 -61,522.00 -55,874.00 -53,761.00 -51,549.00 -49,993.00 -47,904.00 -44,360.00 -43,503.00 -45,412.00 -42,656.00
      Treasury Shares 2,908.00 -2,908.00 -2,908.00 2,908.00 2,908.00 -2,908.00 -2,908.00 -2,908.00 -2,908.00 -2,908.00 -2,908.00 -2,908.00 -2,908.00
      Accumulated Other Comprehensive Income -11,007.00 -11,829.00 -11,953.00 -12,997.00 -10,846.00 -12,968.00 -12,705.00 -13,008.00 -12,215.00 -10,276.00 -6,662.00 -1,056.00 -3,175.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 45,540.00 46,272.00 0 0 48,885.00 50,038.00 54,429.00 56,161.00 65,818.00 72,850.00 91,872.00 94,314.00
Debt 35,075.00 8,192.00 8,869.00 47,820.00 48,490.00 10,003.00 10,616.00 12,544.00 13,173.00 13,806.00 14,393.00 16,117.00 16,003.00
Common Shares Outstanding 5,287.10 5,262.06 5,283.56 5,262.06 5,140.87 5,140.87 5,140.87 4,513.73 4,295.61 4,288.02 4,216.81 3,473.57 3,333.27
Preferred Shares Outstanding 0 9.56 9.56 0 0 9.56 9.56 0 0 13.20 0 0 0
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Revenues 6,381.00 964.00 -7,942.00 3,788.00 6,579.00 578.00 686.00 681.00 0
Cost Of Revenue 0 130.00 0 0 0 0 0 0 0
Interest Income 8,567.00 9,204.00 8,404.00 6,845.00 9,826.00 9,207.00 7,794.00 6,373.00 5,329.00
Interest Expense 3,435.00 3,563.00 3,707.00 3,890.00 3,831.00 3,703.00 2,292.00 559.00 677.00
Net Interest 0 5,872.00 14,422.00 0 0 5,796.00 5,803.00 5,979.00 4,877.00
Non-Interest Income 0 1,268.00 2,381.00 0 0 705.00 755.00 709.00 1,641.00
Non-Interest Expense 8,827.00 -8,112.00 -44,200.00 9,340.00 8,231.00 -8,161.00 -7,672.00 -7,407.00 -8,977.00
Gross Profit 0 834.00 0 0 0 0 0 0 0
Operating Expenses 0 0 46.00 0 0 0 0 0 0
   Selling, General and Administrative Expenses 4,063.00 5,632.00 10,479.00 4,778.00 4,091.00 5,430.00 5,177.00 4,884.00 4,732.00
   Other Operating Expenses 0 0 -24,732.00 0 0 0 0 0 0
EBT -2,431.00 -1,177.00 0 -5,648.00 -2,113.00 -2,212.00 -1,421.00 -857.00 -2,756.00
Income Tax 0 0.00 0.00 0 0 0.00 0.00 0.00 0.00
Net Income Including Non-Controlling Interests -2,431.00 0 0 -5,648.00 -2,113.00 0 0 0 0
Net Income -2,431.00 -1,177.00 -3,771.00 -5,648.00 -2,113.00 -2,212.00 -1,421.00 -857.00 0
EBIT 0 2,386.00 0 0 0 1,491.00 871.00 -298.00 -2,079.00
Deprecation and Amortization 189.00 220.00 329.00 200.00 213.00 274.00 321.00 392.00 348.00
EBITDA 0 2,606.00 0 0 0 1,765.00 1,192.00 94.00 -1,731.00
EPS -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
Average Shares Outstanding Basic 5,286.69 0 10,403.89 5,189.21 5,140.87 0 0 0 0
Average Shares Outstanding Diluted 5,286.69 5,284.39 5,263.02 5,189.21 5,140.87 5,140.87 4,496.78 4,229.21 3,382.79
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Operating Cash Flow -1,585.00 -230.00 -6,188.00 -1,045.00 -3,027.00 -2,349.00 -1,709.00 -14,767.00 -4,279.00
   Operating Net Income -2,431.00 -1,177.00 -3,771.00 -5,648.00 -2,113.00 -2,212.00 -1,421.00 -857.00 -2,756.00
   Deprecation and Amortization 189.00 220.00 329.00 200.00 213.00 274.00 321.00 392.00 348.00
   Deferred Income Tax 0 0 0 0 0 0 0 0 0
   Share Based Compensation 0 13.00 39.00 0 0 27.00 175.00 20.00 26.00
   Change in Working Capital 532.00 571.00 -2,883.00 4,213.00 -1,878.00 -816.00 -839.00 -14,230.00 -2,128.00
   Other Operating Activities 125.00 143.00 98.00 190.00 751.00 378.00 55.00 -92.00 231.00
Investing Cash Flow 12,221.00 8,958.00 -328.00 10,137.00 8,870.00 -3,600.00 8,115.00 26,956.00 -1,287.00
   Capital Expenditure 0 -168.00 -177.00 0 0 -154.00 -66.00 -50.00 -98.00
   Net Purchase/Sale of PPE -116.00 -168.00 -18.00 -53.00 -106.00 -154.00 -66.00 -50.00 -98.00
   Net Purchase/Sale of Investments Net 609.00 815.00 660.00 1,827.00 984.00 842.00 879.00 3,286.00 4,404.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0
   Net Loan & Lease Activity 9,193.00 -24,688.00 -19,094.00 -96,154.00 -55,164.00
   Other Investing Activities 11,728.00 153.00 -14,163.00 8,363.00 7,992.00 43.00 126.00 -507.00 66.00
Financing Cash Flow -13,724.00 -15,208.00 6,872.00 -13,678.00 2,358.00 -6,732.00 -7,267.00 -29,826.00 8,702.00
   Net Issuance/Repayment of Debt 6,215.00 1,098.00 -18,027.00 0 -10,000.00 1,814.00 0 9,997.00 -4,515.00
   Net Issuance/Repurchase of Equity 0 0 1.00 194.00 0 0 0 0 0
   Dividends Paid 0 0 0 0 0 0 0 0 0
   Other Financing Activities 0 -16,306.00 37,256.00 -13,872.00 0 -8,546.00 -7,267.00 -39,823.00 13,217.00
Net Change in Cash -3,088.00 -6,480.00 356.00 -4,586.00 8,201.00 -12,681.00 -861.00 -17,637.00 3,136.00
   Cash at Beginning of Period 43,835.00 50,315.00 49,959.00 54,545.00 46,344.00 59,025.00 42,552.00 61,018.00 75,591.00
   Cash at End of Period 40,747.00 43,835.00 50,315.00 49,959.00 54,545.00 46,344.00 41,691.00 43,381.00 78,727.00
Free Cash Flow -1,701.00 -398.00 -6,206.00 -1,098.00 -3,133.00 -2,503.00 -1,775.00 -14,817.00 -4,377.00