CCB
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 25.35 | 13.22 | 15.13 | 22.50 | 16.54 |
| Price to Sales | 4.06 | 3.18 | 5.81 | 35.16 | 80.99 |
| Book Value Per Common Share | 29.37 | 22.17 | 18.80 | 16.74 | 11.76 |
| Price to Book | 2.89 | 2.00 | 2.53 | 3.02 | 1.79 |
| Price to Operating Cash Flow | 4.43 | 3.04 | 9.34 | 20.93 | 13.47 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 40640.48 | 24076.46 | 82931.88 | 150726.87 | 93414.91 |
| 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 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 47.24 | 70.20 | 139.09 | 22.68 | 33.43 | 76.22 | 16.01 | 19.71 | 38.31 | 18.66 | 30.02 | 95.31 | 19.31 | 26.20 | 52.44 | ||
| Price to Sales | 11.04 | 16.19 | 24.31 | 3.36 | 4.31 | 6.42 | 4.52 | 5.14 | 10.71 | 7.56 | 12.84 | 29.34 | 81.97 | 144.17 | 331.48 | ||
| Book Value Per Common Share | 31.45 | 30.59 | 29.98 | 29.37 | 24.51 | 23.54 | 22.65 | 22.17 | 21.46 | 20.60 | 19.61 | 17.70 | 16.86 | 16.12 | 13.44 | 12.87 | 12.25 |
| Price to Book | 3.44 | 3.17 | 3.02 | 2.89 | 2.20 | 1.96 | 1.72 | 2.00 | 2.00 | 1.83 | 1.84 | 2.25 | 2.26 | 2.84 | 2.37 | 2.22 | 2.14 |
| Price to Operating Cash Flow | 8.26 | 10.55 | 18.87 | 3.66 | 4.59 | 8.38 | 3.89 | 6.14 | 10.19 | 12.22 | 23.65 | 73.93 | 20.73 | 40.69 | 37.21 | ||
| Price to Free Cash Flow | |||||||||||||||||
| Enterprise Value to EBITDA | 116839.37 | 163774.18 | 321813.57 | 53402.38 | 71772.26 | 133177.36 | 51736.09 | 37023.28 | 76132.04 | 113457.62 | 199273.25 | 641222.36 | 129833.08 | 173766.45 | 347493.80 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -0.30 | 7.01 | 39.56 | 77.17 | |
| Revenue YoY | 52.85 | 74.55 | 512.15 | 459.92 | |
| EBITDA YoY | 27.16 | 230.73 | 83.78 | 50.66 | |
| Net Profit YoY | 1.44 | 9.73 | 50.44 | 78.30 |
| 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 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 65.94 | 112.31 | 72.46 | 170.59 | 40.31 | 103.19 | 67.72 | 164.58 | 51.38 | 118.00 | |||||||
| Revenue YoY | 64.14 | 61.24 | 50.36 | 77.55 | 29.69 | 118.49 | 77.32 | 90.57 | 115.59 | 96.37 | 150.21 | ||||||
| EBITDA YoY | 56.72 | 111.71 | -14.83 | 58.31 | 121.03 | -18.33 | 115.66 | 83.22 | 168.43 | 49.40 | 117.69 | ||||||
| Net Profit YoY | 65.48 | 113.34 | 73.15 | 169.66 | 40.60 | 104.16 | 67.66 | 163.34 | 51.29 | 116.53 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 33.50 | 36.43 | 26.42 | 67.63 | 13.68 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.73 | 0.79 | 0.43 | 0.79 | 5.53 |
| 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 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 42.73 | 47.99 | 41.72 | 30.30 | 36.12 | 36.42 | 38.61 | 36.31 | 35.84 | 62.34 | 89.55 | 31.79 | 31.42 | 52.88 | 55.89 | 23.63 | 17.05 |
| Quick Ratio | |||||||||||||||||
| Current Ratio | |||||||||||||||||
| Debt to Equity | 8.58 | 8.70 | 8.64 | 0.73 | 11.25 | 11.51 | 11.73 | 0.79 | 11.93 | 11.97 | 12.34 | 0.45 | 12.64 | 12.63 | 14.22 | 12.02 | 12.83 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.52 | 0.57 | 0.42 | 0.49 | 0.79 |
| ROE | 0.90 | 1.02 | 0.60 | 0.88 | 5.15 |
| Gross Margin | 1.38 | -0.56 | 97.92 | 90.82 | 65.80 |
| Operating Margin | 108.78 | 131.44 | 68.28 | 224.29 | 824.56 |
| EBITDA Margin | 110.39 | 132.69 | 70.03 | 233.28 | 866.94 |
| Net Profit Margin | 16.00 | 24.11 | 38.35 | 156.04 | 490.00 |
| 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 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.75 | 0.46 | 0.22 | 0.78 | 0.46 | 0.18 | 0.97 | 0.24 | 0.12 | 0.29 | 0.55 | 0.22 | 0.80 | 0.65 | 0.30 | ||
| ROE | 7.23 | 4.50 | 2.16 | 9.60 | 5.81 | 2.25 | 12.50 | 3.09 | 1.60 | 0.42 | 7.54 | 3.00 | 12.24 | 8.46 | 4.10 | ||
| Gross Margin | 1.81 | 1.92 | -0.25 | -0.10 | -1.49 | -3.40 | -195.48 | -297.79 | -293.66 | 97.79 | 97.62 | 98.26 | 75.23 | 68.51 | 62.13 | ||
| Operating Margin | 91.74 | 95.93 | 72.99 | 62.08 | 58.97 | 47.38 | 86.18 | 137.86 | 139.61 | 64.56 | 62.15 | 43.61 | 606.46 | 796.54 | 910.65 | ||
| EBITDA Margin | 95.01 | 99.51 | 75.78 | 63.52 | 60.33 | 48.47 | 87.44 | 138.85 | 140.68 | 66.59 | 64.45 | 45.75 | 631.13 | 829.55 | 953.48 | ||
| Net Profit Margin | 23.33 | 23.14 | 17.49 | 14.78 | 12.83 | 8.45 | 28.29 | 26.10 | 27.93 | 40.47 | 42.81 | 30.98 | 423.25 | 549.37 | 634.81 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Dividend Yield | |||||
| Dividend Payout Ratio |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | |||||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 8,729,992.00 | 7,849,972.00 | 9,725,033.00 | 5,500,663.00 | 1,920,023.00 |
| Deposits | 7,584,664.00 | 7,060,826.00 | 8,452,563.00 | 2,363,787.00 | 1,421,307.00 |
| Cash and Short-Term Investments | 452,513.00 | 483,128.00 | 342,139.00 | 813,161.00 | 163,117.00 |
| Cash and Cash Equivalents | 452,513.00 | 483,128.00 | 342,139.00 | 813,161.00 | 163,117.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 103,504.00 | 26,819.00 | 17,815.00 | 8,105.00 | 8,616.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 32,650.00 | 28,022.00 | 23,231.00 | 23,324.00 | 24,228.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 910.00 | 809.00 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 3,600.00 | 3,806.00 | 18,458.00 | 6,818.00 | 3,799.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 3,682,504.00 | 3,458,388.00 | 2,900,973.00 | 2,434,295.00 | 1,625,905.00 |
| 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 | 7,400.00 | 2,800.00 | 2,700.00 | 1,300.00 | 31.00 |
| 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 | 5,047,488.00 | 4,391,584.00 | 6,824,060.00 | 3,066,368.00 | 294,118.00 |
| Shareholders Equity | 438,704.00 | 294,978.00 | 243,494.00 | 201,222.00 | 140,217.00 |
| Capital Stock | 228,177.00 | 130,136.00 | 125,830.00 | 121,845.00 | 87,815.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 210,529.00 | 165,311.00 | 119,998.00 | 79,373.00 | 52,368.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -2.00 | -469.00 | -2,334.00 | 4.00 | 34.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 46,729.00 | 44,338.00 | 45,248.00 | 250,948.00 | 153,176.00 |
| Debt | 143,652.00 | 149,326.00 | 147,995.00 | 89,942.00 | 48,054.00 |
| Common Shares Outstanding | 14,935.30 | 13,304.34 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 282,673.00 | 184,929.00 | 105,945.00 | 17,307.00 | 3,091.00 |
| Cost Of Revenue | 278,761.00 | 185,968.00 | 2,204.00 | 1,589.00 | 1,057.00 |
| Interest Income | 793,562.00 | 660,750.00 | 192,160.00 | 84,569.00 | 62,641.00 |
| Interest Expense | 250,171.00 | 185,932.00 | 21,717.00 | 4,441.00 | 6,346.00 |
| Net Interest | 546,447.00 | 478,015.00 | 515,738.00 | 158,953.00 | 57,616.00 |
| Non-Interest Income | 616,446.00 | 414,659.00 | 373,922.00 | 28,118.00 | 8,182.00 |
| Non-Interest Expense | 493,706.00 | 410,468.00 | 501,033.00 | 63,263.00 | 38,119.00 |
| Provisions for Credit Losses | 275,663.00 | 183,992.00 | -79,064.00 | 0 | 0 |
| Gross Profit | 3,912.00 | -1,039.00 | 103,741.00 | 15,718.00 | 2,034.00 |
| Selling, General and Administrative Expenses | 39,371.00 | 43,509.00 | 13,768.00 | 10,671.00 | 8,748.00 |
| EBT | 57,317.00 | 57,133.00 | 50,621.00 | 34,377.00 | 19,141.00 |
| Income Tax | 23,336.00 | 24,482.00 | 9,522.00 | 7,399.00 | 3,707.00 |
| Net Income | 45,219.00 | 44,579.00 | 40,625.00 | 27,005.00 | 15,146.00 |
| EBIT | 307,488.00 | 243,065.00 | 72,338.00 | 38,818.00 | 25,487.00 |
| Deprecation and Amortization | 4,547.00 | 2,325.00 | 1,859.00 | 1,555.00 | 1,310.00 |
| EBITDA | 312,035.00 | 245,390.00 | 74,197.00 | 40,373.00 | 26,797.00 |
| 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 | 13,508.05 | 13,261.66 | 12,949.27 | 12,022.95 | 11,920.74 |
| Average Shares Outstanding Diluted | 13,876.91 | 13,640.18 | 13,514.95 | 12,521.43 | 12,209.37 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 258,922.00 | 193,538.00 | 65,877.00 | 29,085.00 | 18,588.00 |
| Operating Net Income | 45,219.00 | 44,579.00 | 40,625.00 | 27,005.00 | 15,146.00 |
| Deprecation and Amortization | 4,547.00 | 2,325.00 | 1,859.00 | 1,555.00 | 1,310.00 |
| Deferred Income Tax | 138.00 | 13,879.00 | -11,018.00 | -3,011.00 | -1,074.00 |
| Share Based Compensation | 10,277.00 | 7,780.00 | 5,347.00 | 618,110.00 | 152,177.00 |
| Change in Working Capital | 821.00 | 27,823.00 | 38,169.00 | 3,677.00 | 5,228.00 |
| Other Operating Activities | 197,920.00 | 97,152.00 | -9,105.00 | -618,251.00 | -154,199.00 |
| Investing Cash Flow | -658,638.00 | -614,053.00 | -1,009,222.00 | -921,165.00 | -674,790.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 9,900.00 | 6,245.00 | 2,838.00 | 2,593.00 | 5,368.00 |
| Net Purchase/Sale of Investments Net | 103,565.00 | 50,867.00 | 340,168.00 | 339,008.00 | 69,423.00 |
| Net Purchase/Sale of Business | 72.00 | 75.00 | 0 | 0 | 0 |
| Other Investing Activities | -772,175.00 | -671,240.00 | -1,352,228.00 | -1,262,766.00 | -749,581.00 |
| Financing Cash Flow | 411,361.00 | 544,079.00 | 470,921.00 | 906,846.00 | 622,467.00 |
| Net Issuance/Repayment of Debt | 0 | 0 | 44,624.00 | 24,263.00 | 14,999.00 |
| Net Issuance/Repurchase of Equity | 186,393.00 | 618.00 | 1,468.00 | 65,493.00 | 202.00 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | 224,968.00 | 543,461.00 | 424,829.00 | 817,090.00 | 607,266.00 |
| Net Change in Cash | 11,645.00 | 123,564.00 | -472,424.00 | 14,766.00 | -33,735.00 |
| Cash at Beginning of Period | 440,868.00 | 359,564.00 | 814,563.00 | -270.00 | 52,700.00 |
| Cash at End of Period | 452,513.00 | 483,128.00 | 342,139.00 | 14,496.00 | 18,965.00 |
| 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 | 4,553,076.00 | 4,480,559.00 | 4,339,282.00 | 8,729,992.00 | 4,065,821.00 | 3,961,546.00 | 3,865,258.00 | 7,849,972.00 | 3,678,265.00 | 10,605,849.00 | 10,353,099.00 | 9,725,033.00 | 9,401,223.00 | 2,969,722.00 | 2,833,750.00 | 5,500,663.00 | 2,451,568.00 | 2,007,138.00 | 2,029,359.00 | 1,920,023.00 |
| Deposits | 8,412,026.00 | 8,279,542.00 | 8,003,358.00 | 7,584,664.00 | 7,638,876.00 | 7,439,164.00 | 7,262,758.00 | 7,060,826.00 | 6,875,800.00 | 9,728,016.00 | 9,379,969.00 | 8,452,563.00 | 8,511,198.00 | 2,697,305.00 | 2,576,470.00 | 2,363,787.00 | 2,223,540.00 | 1,801,678.00 | 1,671,715.00 | 1,421,307.00 |
| Cash and Short-Term Investments | 642,258.00 | 719,759.00 | 624,302.00 | 452,513.00 | 484,026.00 | 487,245.00 | 515,128.00 | 483,128.00 | 474,946.00 | 825,180.00 | 1,181,748.00 | 342,139.00 | 410,728.00 | 405,689.00 | 682,109.00 | 813,161.00 | 669,725.00 | 282,889.00 | 204,314.00 | 163,117.00 |
| Cash and Cash Equivalents | 642,258.00 | 719,759.00 | 624,302.00 | 452,513.00 | 484,026.00 | 487,245.00 | 515,128.00 | 483,128.00 | 474,946.00 | 825,180.00 | 1,181,748.00 | 342,139.00 | 410,728.00 | 405,689.00 | 682,109.00 | 813,161.00 | 669,725.00 | 282,889.00 | 204,314.00 | 163,117.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 106,281.00 | 141,797.00 | 105,373.00 | 103,504.00 | 38,794.00 | 23,617.00 | 26,275.00 | 26,819.00 | 23,428.00 | 165,250.00 | 128,497.00 | 17,815.00 | 186,356.00 | 192,430.00 | 8,824.00 | 8,105.00 | 7,549.00 | 8,108.00 | 8,597.00 | 8,616.00 |
| 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 | 33,902.00 | 33,943.00 | 33,756.00 | 32,650.00 | 31,260.00 | 30,161.00 | 28,751.00 | 28,022.00 | 26,669.00 | 25,119.00 | 22,842.00 | 23,231.00 | 23,760.00 | 24,235.00 | 23,971.00 | 23,324.00 | 23,603.00 | 23,844.00 | 24,094.00 | 24,228.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 910.00 | 0 | 0 | 0 | 809.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 3,829.00 | 3,912.00 | 3,600.00 | 3,083.00 | 2,221.00 | 2,221.00 | 3,806.00 | 4,404.00 | 25,764.00 | 20,527.00 | 18,458.00 | 13,997.00 | 11,709.00 | 6,892.00 | 6,818.00 | 3,807.00 | 3,808.00 | 3,802.00 | 3,799.00 |
| 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 | 4,077,799.00 | 4,018,850.00 | 3,889,365.00 | 3,682,504.00 | 3,733,891.00 | 3,644,853.00 | 3,561,549.00 | 3,458,388.00 | 3,393,815.00 | 9,787,863.00 | 9,576,810.00 | 2,900,973.00 | 2,905,008.00 | 2,752,061.00 | 2,625,830.00 | 2,434,295.00 | 2,290,482.00 | 1,853,038.00 | 1,882,620.00 | 1,625,905.00 |
| 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 | 7,400.00 | 0 | 0 | 0 | 2,800.00 | 0 | 0 | 0 | 2,700.00 | 3,800.00 | 2,700.00 | 578.00 | 1,300.00 | 23.00 | 16.00 | 11.00 | 31.00 |
| 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 | 4,956.00 | 5,063.00 | 5,293.00 | 0 | 5,609.00 | 5,821.00 | 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 | 475,277.00 | 461,709.00 | 449,917.00 | 5,047,488.00 | 331,930.00 | 316,693.00 | 303,709.00 | 4,391,584.00 | 284,450.00 | 817,986.00 | 776,289.00 | 6,824,060.00 | 6,496,215.00 | 217,661.00 | 207,920.00 | 3,066,368.00 | 161,086.00 | 154,100.00 | 146,739.00 | 294,118.00 |
| Shareholders Equity | 475,277.00 | 461,709.00 | 449,917.00 | 438,704.00 | 331,930.00 | 316,693.00 | 303,709.00 | 294,978.00 | 284,450.00 | 272,662.00 | 258,763.00 | 243,494.00 | 228,733.00 | 217,661.00 | 207,920.00 | 201,222.00 | 161,086.00 | 154,100.00 | 146,739.00 | 140,217.00 |
| Capital Stock | 230,399.00 | 230,423.00 | 229,659.00 | 228,177.00 | 134,769.00 | 132,989.00 | 131,601.00 | 130,136.00 | 129,244.00 | 128,315.00 | 127,447.00 | 125,830.00 | 123,944.00 | 123,226.00 | 122,592.00 | 121,845.00 | 88,997.00 | 88,699.00 | 88,329.00 | 87,815.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 244,879.00 | 231,287.00 | 220,259.00 | 210,529.00 | 197,162.00 | 183,706.00 | 172,110.00 | 165,311.00 | 156,299.00 | 146,029.00 | 133,123.00 | 119,998.00 | 106,880.00 | 95,779.00 | 85,603.00 | 79,373.00 | 72,083.00 | 65,399.00 | 58,386.00 | 52,368.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -1.00 | -1.00 | -1.00 | -2.00 | -1.00 | -2.00 | -2.00 | -469.00 | -1,093.00 | -1,682.00 | -1,807.00 | -2,334.00 | -2,091.00 | -1,344.00 | -275.00 | 4.00 | 6.00 | 2.00 | 24.00 | 34.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 43,942.00 | 45,577.00 | 46,991.00 | 46,729.00 | 48,620.00 | 49,213.00 | 50,090.00 | 44,338.00 | 141,489.00 | 98,120.00 | 97,949.00 | 45,248.00 | 42,324.00 | 695,398.00 | 851,642.00 | 250,948.00 | 234,596.00 | 183,604.00 | 154,614.00 | 153,176.00 |
| Debt | 52,955.00 | 53,023.00 | 53,216.00 | 143,652.00 | 53,456.00 | 53,631.00 | 53,717.00 | 149,326.00 | 54,016.00 | 54,071.00 | 52,641.00 | 147,995.00 | 33,445.00 | 33,697.00 | 33,947.00 | 89,942.00 | 34,438.00 | 20,430.00 | 20,686.00 | 48,054.00 |
| Common Shares Outstanding | 15,112.00 | 15,093.04 | 15,009.23 | 14,935.30 | 13,543.28 | 13,453.81 | 13,407.32 | 13,304.34 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 147,252.00 | 89,713.00 | 55,641.00 | -156,932.00 | 215,533.00 | 143,341.00 | 80,731.00 | -82,058.00 | 125,701.00 | 96,925.00 | 44,361.00 | -20,457.00 | 67,963.00 | 38,327.00 | 20,112.00 | 9,329.00 | 4,658.00 | 2,372.00 | 948.00 |
| Cost Of Revenue | 144,590.00 | 87,992.00 | 55,781.00 | -165,940.00 | 215,740.00 | 145,483.00 | 83,478.00 | -745,641.00 | 371,424.00 | 385,554.00 | 174,631.00 | -559.00 | 1,501.00 | 913.00 | 349.00 | -671.00 | 1,154.00 | 747.00 | 359.00 |
| Interest Income | 321,731.00 | 212,704.00 | 104,907.00 | 222,093.00 | 293,038.00 | 187,959.00 | 90,472.00 | 194,714.00 | 242,128.00 | 153,797.00 | 70,111.00 | -37,083.00 | 127,140.00 | 71,961.00 | 30,142.00 | -29,255.00 | 57,537.00 | 37,929.00 | 18,358.00 |
| Interest Expense | 91,031.00 | 59,905.00 | 28,845.00 | 66,171.00 | 93,678.00 | 60,786.00 | 29,536.00 | 70,298.00 | 63,058.00 | 36,956.00 | 15,620.00 | 9,239.00 | 8,797.00 | 2,807.00 | 874.00 | -1,407.00 | 2,803.00 | 2,002.00 | 1,043.00 |
| Net Interest | 463,292.00 | 306,874.00 | 152,774.00 | -233,640.00 | 401,115.00 | 256,066.00 | 122,906.00 | -397,852.00 | 360,112.00 | 351,729.00 | 164,026.00 | -38,028.00 | 356,217.00 | 138,942.00 | 58,607.00 | 50,821.00 | 54,810.00 | 35,979.00 | 17,343.00 |
| Non-Interest Income | 172,947.00 | 106,170.00 | 63,477.00 | 135,677.00 | 236,941.00 | 156,873.00 | 86,955.00 | -199,449.00 | 142,481.00 | 323,706.00 | 147,921.00 | 58,851.00 | 245,607.00 | 47,478.00 | 21,986.00 | 3,470.00 | 13,898.00 | 7,766.00 | 2,984.00 |
| Non-Interest Expense | 214,993.00 | 144,821.00 | 71,989.00 | 142,418.00 | 180,443.00 | 114,827.00 | 56,018.00 | -166,314.00 | 153,074.00 | 289,719.00 | 133,989.00 | 43,021.00 | 359,013.00 | 68,584.00 | 30,415.00 | -17,385.00 | 42,213.00 | 26,083.00 | 12,352.00 |
| Provisions for Credit Losses | 144,590.00 | 87,992.00 | 55,781.00 | -168,718.00 | 215,740.00 | 145,483.00 | 83,158.00 | -744,649.00 | 369,897.00 | 384,568.00 | 174,176.00 | -33,600.00 | -45,464.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit | 2,662.00 | 1,721.00 | -140.00 | 9,008.00 | -207.00 | -2,142.00 | -2,747.00 | 663,583.00 | -245,723.00 | -288,629.00 | -130,270.00 | -19,898.00 | 66,462.00 | 37,414.00 | 19,763.00 | 10,000.00 | 3,504.00 | 1,625.00 | 589.00 |
| Selling, General and Administrative Expenses | 38,033.00 | 27,874.00 | 15,201.00 | -29,647.00 | 34,914.00 | 22,802.00 | 11,302.00 | 7,780.00 | 18,754.00 | 11,846.00 | 5,129.00 | -3,873.00 | 8,968.00 | 5,921.00 | 2,752.00 | -5,428.00 | 8,125.00 | 5,278.00 | 2,696.00 |
| EBT | 44,064.00 | 26,156.00 | 11,769.00 | -15,252.00 | 40,118.00 | 23,736.00 | 8,715.00 | -131,115.00 | 45,274.00 | 96,660.00 | 46,314.00 | -13,365.00 | 35,077.00 | 21,012.00 | 7,897.00 | -15,551.00 | 25,446.00 | 16,892.00 | 7,590.00 |
| Income Tax | 19,427.00 | 5,398.00 | 2,039.00 | 7,815.00 | 8,266.00 | 5,340.00 | 1,915.00 | -15,135.00 | 9,707.00 | 20,769.00 | 9,141.00 | -4,321.00 | 7,570.00 | 4,606.00 | 1,667.00 | -3,765.00 | 5,731.00 | 3,861.00 | 1,572.00 |
| Net Income | 34,350.00 | 20,758.00 | 9,730.00 | -11,851.00 | 31,852.00 | 18,396.00 | 6,822.00 | -28,676.00 | 35,567.00 | 25,297.00 | 12,391.00 | -9,518.00 | 27,507.00 | 16,406.00 | 6,230.00 | -11,759.00 | 19,715.00 | 13,031.00 | 6,018.00 |
| EBIT | 135,095.00 | 86,061.00 | 40,614.00 | 50,919.00 | 133,796.00 | 84,522.00 | 38,251.00 | -60,817.00 | 108,332.00 | 133,616.00 | 61,934.00 | -4,126.00 | 43,874.00 | 23,819.00 | 8,771.00 | -16,958.00 | 28,249.00 | 18,894.00 | 8,633.00 |
| Deprecation and Amortization | 4,807.00 | 3,208.00 | 1,551.00 | -1,411.00 | 3,119.00 | 1,962.00 | 877.00 | -698.00 | 1,582.00 | 969.00 | 472.00 | -837.00 | 1,383.00 | 882.00 | 431.00 | -783.00 | 1,149.00 | 783.00 | 406.00 |
| EBITDA | 139,902.00 | 89,269.00 | 42,165.00 | 49,508.00 | 136,915.00 | 86,484.00 | 39,128.00 | -61,515.00 | 109,914.00 | 134,585.00 | 62,406.00 | -4,963.00 | 45,257.00 | 24,701.00 | 9,202.00 | -17,741.00 | 29,398.00 | 19,677.00 | 9,039.00 |
| 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 | 15,030.17 | 14,998.10 | 14,962.51 | 13,913.94 | 13,400.41 | 13,376.83 | 13,341.00 | 13,360.00 | 13,253.18 | 13,236.52 | 13,196.96 | 13,063.02 | 12,921.81 | 12,913.49 | 12,898.75 | 12,156.80 | 11,982.01 | 11,972.92 | 11,980.09 |
| Average Shares Outstanding Diluted | 15,314.56 | 15,248.78 | 15,462.04 | 14,378.68 | 13,745.31 | 13,706.71 | 13,676.92 | 13,719.70 | 13,627.94 | 13,603.59 | 13,609.49 | 13,640.82 | 13,484.95 | 13,458.71 | 13,475.34 | 12,783.89 | 12,465.35 | 12,423.66 | 12,412.81 |
| 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 | 196,763.00 | 137,720.00 | 71,684.00 | -135,242.00 | 197,813.00 | 134,451.00 | 61,900.00 | -80,444.00 | 146,236.00 | 81,115.00 | 46,631.00 | -4,941.00 | 42,024.00 | 20,812.00 | 7,982.00 | -6,171.00 | 18,411.00 | 8,404.00 | 8,441.00 |
| Operating Net Income | 103,051.00 | 62,274.00 | 29,190.00 | -125,926.00 | 95,557.00 | 55,188.00 | 20,400.00 | -175,701.00 | 106,701.00 | 101,188.00 | 12,391.00 | -9,518.00 | 27,507.00 | 16,406.00 | 6,230.00 | -11,759.00 | 19,715.00 | 13,031.00 | 6,018.00 |
| Deprecation and Amortization | 4,807.00 | 3,208.00 | 1,551.00 | -1,411.00 | 3,119.00 | 1,962.00 | 877.00 | -698.00 | 1,582.00 | 969.00 | 472.00 | -837.00 | 1,383.00 | 882.00 | 431.00 | -783.00 | 1,149.00 | 783.00 | 406.00 |
| Deferred Income Tax | 4,399.00 | -228.00 | -311.00 | -3,549.00 | 654.00 | 1,516.00 | 1,517.00 | 10,564.00 | 13,468.00 | -7,714.00 | -2,439.00 | 137.00 | -6,623.00 | -4,533.00 | 1.00 | -3,010.00 | -1.00 | 0 | 0 |
| Share Based Compensation | 9,191.00 | 9,065.00 | 5,076.00 | -3,334.00 | 6,735.00 | 4,517.00 | 2,359.00 | -2,657.00 | 5,594.00 | 3,793.00 | 1,050.00 | -1,491.00 | 3,544.00 | 2,221.00 | 1,073.00 | 615,306.00 | 1,807.00 | 634.00 | 363.00 |
| Change in Working Capital | 4,263.00 | 378.00 | -3,579.00 | -9,600.00 | 8,261.00 | 1,123.00 | 1,037.00 | -24,233.00 | 31,316.00 | 10,430.00 | 10,310.00 | -21,033.00 | 27,313.00 | 19,872.00 | 12,017.00 | 2,242.00 | 283.00 | 407.00 | 745.00 |
| Other Operating Activities | 71,052.00 | 63,023.00 | 39,757.00 | 8,578.00 | 83,487.00 | 70,145.00 | 35,710.00 | 112,281.00 | -12,425.00 | -27,551.00 | 24,847.00 | 27,801.00 | -11,100.00 | -14,036.00 | -11,770.00 | -608,167.00 | -4,542.00 | -6,451.00 | 909.00 |
| Investing Cash Flow | -391,887.00 | -196,425.00 | -104,734.00 | 253,251.00 | -465,112.00 | -313,976.00 | -132,801.00 | 639,113.00 | -486,209.00 | -493,834.00 | -273,123.00 | -60,574.00 | -467,629.00 | -303,354.00 | -177,665.00 | 284,402.00 | -692,777.00 | -246,864.00 | -265,926.00 |
| 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 | 6,507.00 | 4,842.00 | 2,762.00 | -3,167.00 | 6,873.00 | 4,408.00 | 1,786.00 | 376.00 | 3,916.00 | 1,669.00 | 284.00 | -3,414.00 | 2,621.00 | 2,331.00 | 1,300.00 | -1,893.00 | 2,188.00 | 1,796.00 | 502.00 |
| Net Purchase/Sale of Investments Net | 3,665,247.00 | 1,729.00 | 326.00 | -201,186.00 | 102,270.00 | 101,679.00 | 100,802.00 | -5,223.00 | 41,733.00 | 11,648.00 | 2,709.00 | -634,656.00 | 339,956.00 | 329,946.00 | 304,922.00 | 77,234.00 | 160,732.00 | 55,723.00 | 45,319.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 72.00 | 0 | 0 | 0 | 75.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | -4,063,641.00 | -202,996.00 | -107,822.00 | 457,532.00 | -574,255.00 | -420,063.00 | -235,389.00 | 643,885.00 | -531,858.00 | -507,151.00 | -276,116.00 | 577,496.00 | -810,206.00 | -635,631.00 | -483,887.00 | 209,061.00 | -855,697.00 | -304,383.00 | -311,747.00 |
| Financing Cash Flow | 384,869.00 | 325,951.00 | 204,839.00 | -143,379.00 | 268,197.00 | 183,642.00 | 102,901.00 | -552,610.00 | 472,780.00 | 345,640.00 | 278,269.00 | -474,358.00 | 448,591.00 | 308,796.00 | 187,892.00 | -286,607.00 | 687,123.00 | 250,968.00 | 255,362.00 |
| Net Issuance/Repayment of Debt | 27.00 | 18.00 | 9.00 | 0 | 39.00 | 29.00 | 0 | 0 | 0 | 0 | 0 | 69,623.00 | 24,999.00 | -24,999.00 | -24,999.00 | 0.00 | 24,263.00 | 0 | 0 |
| Net Issuance/Repurchase of Equity | 72.00 | 72.00 | 72.00 | 184,261.00 | 1,273.00 | 574.00 | 285.00 | -1,138.00 | 600.00 | 589.00 | 567.00 | 672.00 | 311.00 | 277.00 | 208.00 | 64,812.00 | 280.00 | 250.00 | 151.00 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | 384,770.00 | 325,861.00 | 204,758.00 | -327,572.00 | 266,885.00 | 183,039.00 | 102,616.00 | -551,472.00 | 472,180.00 | 345,051.00 | 277,702.00 | -544,653.00 | 423,281.00 | 333,518.00 | 212,683.00 | -351,419.00 | 662,580.00 | 250,718.00 | 255,211.00 |
| Net Change in Cash | 189,745.00 | 267,246.00 | 171,789.00 | -25,370.00 | 898.00 | 4,117.00 | 32,000.00 | 6,059.00 | 132,807.00 | -67,079.00 | 51,777.00 | -539,873.00 | 22,986.00 | 26,254.00 | 18,209.00 | -8,376.00 | 12,757.00 | 12,508.00 | -2,123.00 |
| Cash at Beginning of Period | 452,513.00 | 452,513.00 | 452,513.00 | 477,883.00 | 483,128.00 | 483,128.00 | 483,128.00 | 477,069.00 | 342,139.00 | 342,139.00 | 342,139.00 | 882,012.00 | 14,496.00 | 14,496.00 | 14,496.00 | 22,872.00 | 18,965.00 | 18,965.00 | 18,965.00 |
| Cash at End of Period | 642,258.00 | 719,759.00 | 624,302.00 | 452,513.00 | 484,026.00 | 487,245.00 | 515,128.00 | 483,128.00 | 474,946.00 | 275,060.00 | 393,916.00 | 342,139.00 | 37,482.00 | 40,750.00 | 32,705.00 | 14,496.00 | 31,722.00 | 31,473.00 | 16,842.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |