CFFN
Valuation Ratios
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Price to Earnings | 12.21 | 20.14 | -6.28 | 13.39 | 20.52 |
| Price to Sales | 50.64 | 49.87 | 36.19 | 62.22 | 94.33 |
| Book Value Per Common Share | 23.77 | 23.33 | 23.04 | 23.69 | 26.84 |
| Price to Book | 0.27 | 0.25 | 0.21 | 0.35 | 0.43 |
| Price to Operating Cash Flow | 12.03 | 12.74 | 4.84 | 4.96 | 8.28 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 25673.86 | 24851.95 | 39938.45 | 36839.21 | 50266.35 |
| 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 | 16.05 | 23.33 | 49.25 | 27.45 | 49.67 | 322.50 | 21.28 | 29.26 | 72.08 | 19.13 | 34.00 | 70.81 | 28.05 | 45.67 | 89.29 | |||||
| Price to Sales | 97.13 | 137.25 | 284.13 | 92.89 | 156.02 | 330.77 | 82.60 | 136.79 | 336.58 | 120.63 | 219.35 | 447.83 | 177.41 | 311.65 | 573.39 | |||||
| Book Value Per Common Share | 23.77 | 7.88 | 7.81 | 7.73 | 23.33 | 7.69 | 7.72 | 7.72 | 23.04 | 7.79 | 7.87 | 7.75 | 23.69 | 8.15 | 8.46 | 8.76 | 26.84 | 8.91 | 9.21 | 9.20 |
| Price to Book | 0.27 | 0.77 | 0.72 | 0.76 | 0.25 | 0.71 | 0.77 | 0.84 | 0.21 | 0.79 | 0.85 | 1.12 | 0.35 | 1.13 | 1.29 | 1.29 | 0.43 | 1.32 | 1.44 | 1.36 |
| Price to Operating Cash Flow | 23.66 | 34.48 | 137.12 | 20.97 | 51.65 | -160.05 | 24.22 | 36.44 | 79.80 | 19.65 | 40.45 | 75.84 | 31.06 | 55.96 | 88.15 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 35094.12 | 59210.24 | 145948.10 |
Earnings Data
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Earning YoY | 79.31 | 10.71 | |||
| Revenue YoY | 6.54 | -13.07 | -2.76 | 9.70 | |
| EBITDA YoY | 4.83 | 92.12 | -48.11 | -1.42 | |
| Net Profit YoY | 78.97 | 11.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 58.33 | 100.00 | 66.67 | 500.00 | 26.09 | 91.67 | 50.00 | 100.00 | 44.83 | 107.14 | ||||||||||
| Revenue YoY | 54.06 | 95.90 | 53.84 | 95.18 | 51.71 | 90.21 | 53.51 | 96.21 | 56.01 | 95.49 | ||||||||||
| EBITDA YoY | 51.14 | 98.68 | 55.47 | 125.68 | 50.45 | 99.92 | 89.23 | 52.02 | 101.51 | 56.06 | 44.29 | 97.55 | ||||||||
| Net Profit YoY | 59.62 | 99.79 | 59.17 | 541.17 | 27.28 | 87.37 | 48.28 | 97.46 | 46.23 | 108.18 |
Financial Strength
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Cash Per Common Share | 2.08 | 2.05 | 2.46 | 1.13 | 0.87 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 4.17 | 4.12 | 4.37 | 3.89 | 3.38 |
| 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 | 2.04 | 1.35 | 2.62 | 1.31 | 2.01 | 2.43 | 3.37 | 2.42 | 2.42 | 2.46 | 0.45 | 0.37 | 1.10 | 0.40 | 1.23 | 1.00 | 0.85 | 0.70 | 1.03 | 1.24 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 4.17 | 8.27 | 8.37 | 8.29 | 4.12 | 8.41 | 8.49 | 8.26 | 4.37 | 8.70 | 8.41 | 8.41 | 3.89 | 7.37 | 7.11 | 6.90 | 3.38 | 6.80 | 6.58 | 6.53 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| ROA | 0.63 | 0.36 | -0.91 | 0.79 | 0.70 |
| ROE | 3.25 | 1.84 | -4.87 | 3.85 | 3.06 |
| Gross Margin | 95.43 | 91.77 | 61.15 | 74.42 | 48.42 |
| Operating Margin | 1938.40 | 1928.10 | 875.80 | 1688.74 | 1884.71 |
| EBITDA Margin | 2005.98 | 2038.61 | 922.42 | 1728.45 | 1923.30 |
| Net Profit Margin | 417.33 | 248.43 | -577.61 | 466.59 | 461.10 |
| 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 | 0.51 | 0.32 | 0.16 | 0.27 | 0.17 | 0.03 | 0.38 | 0.30 | 0.16 | 0.69 | 0.46 | 0.23 | 0.60 | 0.41 | 0.20 | |||||
| ROE | 4.70 | 2.97 | 1.50 | 2.54 | 1.59 | 0.25 | 3.65 | 2.84 | 1.54 | 5.74 | 3.73 | 1.82 | 4.65 | 3.08 | 1.48 | |||||
| Gross Margin | 97.23 | 87.23 | 74.99 | 75.48 | 91.56 | 95.22 | 41.17 | 30.87 | -5.75 | 44.92 | 1.53 | -0.26 | 20.04 | 21.96 | 48.01 | |||||
| Operating Margin | 2740.89 | 2792.34 | 2751.75 | 2504.33 | 2454.30 | 2103.57 | 1964.19 | 1980.34 | 1885.55 | 1314.33 | 1331.10 | 1303.70 | 1524.93 | 1646.66 | 1620.02 | |||||
| EBITDA Margin | 2843.00 | 2897.91 | 2857.41 | 2685.40 | 2657.20 | 2298.14 | 2017.67 | 2034.57 | 1935.68 | 1353.45 | 1366.69 | 1330.73 | 1568.26 | 1695.73 | 1678.01 | |||||
| Net Profit Margin | 602.35 | 581.37 | 570.04 | 335.66 | 324.41 | 98.76 | 387.81 | 462.24 | 469.23 | 628.80 | 650.95 | 646.82 | 640.06 | 682.90 | 641.26 |
Dividends
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| 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 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | ||||||||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Assets | 10,826,519.00 | 10,560,191.00 | 11,221,586.00 | 10,721,549.00 | 10,873,601.00 |
| Deposits | 6,591,448.00 | 6,129,982.00 | 6,051,220.00 | 6,194,866.00 | 6,597,396.00 |
| Cash and Short-Term Investments | 270,074.00 | 267,417.00 | 329,005.00 | 153,171.00 | 117,815.00 |
| Cash and Cash Equivalents | 270,074.00 | 267,417.00 | 329,005.00 | 153,171.00 | 117,815.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 699.00 | 782.00 | 8,862.00 | 1,720.00 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 97,014.00 | 99,963.00 | 102,831.00 | 106,420.00 | 111,827.00 |
| Real Estate | 197.00 | 55.00 | 219.00 | 328.00 | 170.00 |
| Goodwill | 9,324.00 | 9,324.00 | 0 | 0 | 0 |
| Intangible Assets | 223.00 | 746.00 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 23,826.00 | 21,978.00 | 29,605.00 | 33,884.00 | 287.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 8,731,165.00 | 8,495,651.00 | 9,133,478.00 | 8,528,551.00 | 8,389,055.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 918.00 |
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 918.00 |
| 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 | 2,095,354.00 | 2,064,540.00 | 2,088,108.00 | 2,192,998.00 | 2,484,546.00 |
| Shareholders Equity | 3,143,031.00 | 3,096,810.00 | 3,132,162.00 | 3,289,497.00 | 3,726,819.00 |
| Capital Stock | 1,322.00 | 1,327.00 | 1,359.00 | 1,388.00 | 1,388.00 |
| Share Premium | 1,142,711.00 | 1,146,851.00 | 1,166,643.00 | 1,190,213.00 | 1,189,633.00 |
| Retained Earnings | -87,331.00 | -111,104.00 | -104,565.00 | 80,266.00 | 98,944.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 15,755.00 | 86,508.00 | 34,800.00 | -582,532.00 | -65,220.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 863,500.00 | 783,573.00 | 900,734.00 | 1,088,624.00 | 0 |
| Debt | 8,300.00 | 8,922.00 | 11,622.00 | 11,813.00 | 12,822.00 |
| Common Shares Outstanding | 132,204.30 | 132,735.57 | 135,936.38 | 138,858.88 | 138,832.28 |
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Revenues | 16,300.00 | 15,300.00 | 17,600.00 | 18,100.00 | 16,500.00 |
| Cost Of Revenue | 745.00 | 1,259.00 | 6,838.00 | 4,630.00 | 8,510.00 |
| Interest Income | 415,143.00 | 405,030.00 | 448,242.00 | 392,769.00 | 391,753.00 |
| Interest Expense | 219,208.00 | 214,782.00 | 206,517.00 | 86,946.00 | 83,180.00 |
| Net Interest | 180,311.00 | 162,061.00 | 153,272.00 | 192,594.00 | 308,573.00 |
| Non-Interest Income | 20,725.00 | 5,244.00 | -171,455.00 | 22,830.00 | 28,086.00 |
| Non-Interest Expense | 119,163.00 | 114,016.00 | 115,809.00 | 114,567.00 | 117,372.00 |
| Provisions for Credit Losses | 745.00 | 1,259.00 | 6,838.00 | -4,630.00 | -8,510.00 |
| Gross Profit | 15,555.00 | 14,041.00 | 10,762.00 | 13,470.00 | 7,990.00 |
| Selling, General and Administrative Expenses | 39,733.00 | 39,837.00 | 44,465.00 | 39,810.00 | 38,815.00 |
| EBT | 96,752.00 | 80,217.00 | -52,377.00 | 218,716.00 | 227,797.00 |
| Income Tax | 14,940.00 | 16,088.00 | 37,225.00 | 22,701.00 | 19,884.00 |
| Net Income | 68,025.00 | 38,010.00 | -101,659.00 | 84,453.00 | 76,082.00 |
| EBIT | 315,960.00 | 294,999.00 | 154,140.00 | 305,662.00 | 310,977.00 |
| Deprecation and Amortization | 11,015.00 | 16,908.00 | 8,206.00 | 7,188.00 | 6,367.00 |
| EBITDA | 326,975.00 | 311,907.00 | 162,346.00 | 312,850.00 | 317,344.00 |
| 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 | 129,988.03 | 130,670.78 | 133,556.86 | 135,700.45 | 135,481.23 |
| Average Shares Outstanding Diluted | 129,988.03 | 130,670.78 | 133,556.86 | 135,700.45 | 135,495.60 |
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Operating Cash Flow | 68,589.00 | 59,903.00 | 131,684.00 | 227,141.00 | 188,118.00 |
| Operating Net Income | 204,075.00 | 114,030.00 | -304,977.00 | 253,359.00 | 228,246.00 |
| Deprecation and Amortization | 11,015.00 | 16,908.00 | 8,206.00 | 7,188.00 | 6,367.00 |
| Deferred Income Tax | 2,080.00 | 3,544.00 | -45,532.00 | 2,037.00 | -1,677.00 |
| Share Based Compensation | 400.00 | 358.00 | 327.00 | 498.00 | 496.00 |
| Change in Working Capital | -27,509.00 | -22,715.00 | -14,190.00 | -19,671.00 | -26,978.00 |
| Other Operating Activities | -121,472.00 | -52,222.00 | 487,850.00 | -16,270.00 | -18,336.00 |
| Investing Cash Flow | -204,994.00 | 630,651.00 | -327,609.00 | -166,130.00 | -325,267.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 5,245.00 | 7,813.00 | 6,281.00 | 5,557.00 | 12,029.00 |
| Net Purchase/Sale of Investments Net | 482,193.00 | 2,904,267.00 | 186,860.00 | 411,051.00 | 1,681,031.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 207,622.00 | -63,626.00 | 520,229.00 | 381,561.00 | -132,800.00 |
| Other Investing Activities | -900,054.00 | -2,217,803.00 | -1,040,979.00 | -964,299.00 | -1,885,527.00 |
| Financing Cash Flow | 139,062.00 | -752,142.00 | 371,759.00 | -53,685.00 | -39,180.00 |
| Net Issuance/Repayment of Debt | 650,100.00 | 350,100.00 | 7,842,412.00 | 2,361,304.00 | 2,490,600.00 |
| Net Issuance/Repurchase of Equity | 3,887.00 | 19,448.00 | 23,453.00 | 0 | 9,784.00 |
| Dividends Paid | 44,252.00 | 44,522.00 | 83,172.00 | 103,131.00 | 117,890.00 |
| Other Financing Activities | -559,177.00 | -1,166,212.00 | -7,577,278.00 | -2,518,120.00 | -2,657,454.00 |
| Net Change in Cash | 2,657.00 | -61,588.00 | 175,834.00 | 7,326.00 | -169,416.00 |
| Cash at Beginning of Period | 249,786.00 | 278,895.00 | 69,771.00 | 41,868.00 | 239,708.00 |
| Cash at End of Period | 252,443.00 | 217,307.00 | 245,605.00 | 49,194.00 | 70,292.00 |
| 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 | 10,826,519.00 | 9,692,739.00 | 9,718,184.00 | 9,538,167.00 | 10,560,191.00 | 9,602,757.00 | 9,721,286.00 | 9,576,064.00 | 11,221,586.00 | 10,294,127.00 | 10,085,770.00 | 9,929,760.00 | 10,721,549.00 | 9,476,053.00 | 9,531,296.00 | 9,609,157.00 | 10,873,601.00 | 9,649,665.00 | 9,698,019.00 | 9,606,964.00 |
| Deposits | 6,591,448.00 | 6,431,137.00 | 6,372,545.00 | 6,206,117.00 | 6,129,982.00 | 6,129,660.00 | 6,141,711.00 | 6,021,595.00 | 6,051,220.00 | 6,092,840.00 | 6,144,435.00 | 6,074,549.00 | 6,194,866.00 | 6,329,883.00 | 6,614,844.00 | 6,648,004.00 | 6,597,396.00 | 6,638,294.00 | 6,650,865.00 | 6,410,842.00 |
| Cash and Short-Term Investments | 270,074.00 | 174,965.00 | 340,389.00 | 170,324.00 | 267,417.00 | 317,821.00 | 443,513.00 | 320,357.00 | 329,005.00 | 329,409.00 | 60,207.00 | 49,686.00 | 153,171.00 | 54,789.00 | 166,869.00 | 135,475.00 | 117,815.00 | 95,305.00 | 139,472.00 | 168,032.00 |
| Cash and Cash Equivalents | 270,074.00 | 174,965.00 | 340,389.00 | 170,324.00 | 267,417.00 | 317,821.00 | 443,513.00 | 320,357.00 | 329,005.00 | 329,409.00 | 60,207.00 | 49,686.00 | 153,171.00 | 54,789.00 | 166,869.00 | 135,475.00 | 117,815.00 | 95,305.00 | 139,472.00 | 168,032.00 |
| 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 | 699.00 | 1,070.00 | 1,397.00 | 843.00 | 782.00 | 129.00 | 2,644.00 | 3,939.00 | 8,862.00 | 5,894.00 | 3,890.00 | 124.00 | 1,720.00 | 1,993.00 | 0 | 0 | 0 | 891.00 | 6,996,933.00 | 7,030,219.00 |
| 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 | 97,014.00 | 88,967.00 | 89,081.00 | 90,326.00 | 99,963.00 | 92,089.00 | 91,105.00 | 91,475.00 | 102,831.00 | 91,713.00 | 92,415.00 | 93,507.00 | 106,420.00 | 96,008.00 | 96,952.00 | 97,718.00 | 111,827.00 | 99,551.00 | 99,088.00 | 101,238.00 |
| Real Estate | 197.00 | 92.00 | 0 | 0 | 55.00 | 0 | 67.00 | 444.00 | 219.00 | 0 | 160.00 | 182.00 | 328.00 | 258.00 | 0 | 319.00 | 170.00 | 177.00 | 105.00 | 129.00 |
| Goodwill | 9,324.00 | 0 | 0 | 0 | 9,324.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 223.00 | 0 | 0 | 0 | 746.00 | 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 | 0 |
| Non-Current Deferred Assets | 23,826.00 | 21,399.00 | 21,864.00 | 24,420.00 | 21,978.00 | 30,128.00 | 35,390.00 | 34,076.00 | 29,605.00 | 26,889.00 | 24,383.00 | 29,924.00 | 33,884.00 | 19,636.00 | 12,399.00 | 0 | 287.00 | 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 | 0 |
| Liabilities | 8,731,165.00 | 8,646,581.00 | 8,681,074.00 | 8,511,228.00 | 8,495,651.00 | 8,582,081.00 | 8,696,383.00 | 8,541,943.00 | 9,133,478.00 | 9,232,842.00 | 9,013,736.00 | 8,874,965.00 | 8,528,551.00 | 8,344,313.00 | 8,356,544.00 | 8,392,497.00 | 8,389,055.00 | 8,412,041.00 | 8,419,424.00 | 8,330,416.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,113.00 | 3,733.00 | 918.00 | 0 | 67.00 | 3,180.00 |
| 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 | 1,113.00 | 3,733.00 | 918.00 | 0 | 67.00 | 3,180.00 |
| 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 | 2,095,354.00 | 1,046,158.00 | 1,037,110.00 | 1,026,939.00 | 2,064,540.00 | 1,020,676.00 | 1,024,903.00 | 1,034,121.00 | 2,088,108.00 | 1,061,285.00 | 1,072,034.00 | 1,054,795.00 | 2,192,998.00 | 1,131,740.00 | 1,174,752.00 | 1,216,660.00 | 2,484,546.00 | 1,237,624.00 | 1,278,595.00 | 1,276,548.00 |
| Shareholders Equity | 3,143,031.00 | 1,046,158.00 | 1,037,110.00 | 1,026,939.00 | 3,096,810.00 | 1,020,676.00 | 1,024,903.00 | 1,034,121.00 | 3,132,162.00 | 1,061,285.00 | 1,072,034.00 | 1,054,795.00 | 3,289,497.00 | 1,131,740.00 | 1,174,752.00 | 1,216,660.00 | 3,726,819.00 | 1,237,624.00 | 1,278,595.00 | 1,276,548.00 |
| Capital Stock | 1,322.00 | 1,328.00 | 1,328.00 | 1,328.00 | 1,327.00 | 1,327.00 | 1,327.00 | 1,339.00 | 1,359.00 | 1,361.00 | 1,361.00 | 1,361.00 | 1,388.00 | 1,388.00 | 1,388.00 | 1,388.00 | 1,388.00 | 1,388.00 | 1,388.00 | 1,388.00 |
| Share Premium | 1,142,711.00 | 1,146,648.00 | 1,146,733.00 | 1,146,802.00 | 1,146,851.00 | 1,146,928.00 | 1,147,029.00 | 1,154,655.00 | 1,166,643.00 | 1,167,979.00 | 1,168,059.00 | 1,168,061.00 | 1,190,213.00 | 1,190,117.00 | 1,189,999.00 | 1,189,827.00 | 1,189,633.00 | 1,189,466.00 | 1,188,926.00 | 1,188,636.00 |
| Retained Earnings | -87,331.00 | -95,078.00 | -102,397.00 | -106,734.00 | -111,104.00 | -112,118.00 | -110,722.00 | -113,357.00 | -104,565.00 | 47,148.00 | 50,167.00 | 47,297.00 | 80,266.00 | 72,308.00 | 89,833.00 | 79,745.00 | 98,944.00 | 91,909.00 | 139,448.00 | 130,522.00 |
| 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 | 15,755.00 | 18,453.00 | 17,052.00 | 34,686.00 | 86,508.00 | 34,149.00 | 43,581.00 | 57,465.00 | 34,800.00 | -380,118.00 | -355,929.00 | -397,806.00 | -582,532.00 | -305,775.00 | -227,721.00 | -69,978.00 | -65,220.00 | -40,014.00 | -56,859.00 | -34,113.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 863,500.00 | 897,575.00 | 887,755.00 | 786,285.00 | 783,573.00 | 682,075.00 | 648,838.00 | 523,220.00 | 900,734.00 | 964,719.00 | 1,021,980.00 | 1,052,255.00 | 1,088,624.00 | 1,206,747.00 | 0 | 0 | 0 | 0 | 19,409,339.00 | 17,679,360.00 |
| Debt | 8,300.00 | 0 | 0 | 0 | 8,922.00 | 1,100.00 | 971.00 | 974.00 | 11,622.00 | 0 | 0 | 0 | 11,813.00 | 0 | 0 | 0 | 12,822.00 | 0 | 0 | 0 |
| Common Shares Outstanding | 132,204.30 | 132,800.86 | 132,786.36 | 132,774.36 | 132,735.57 | 132,733.77 | 132,685.07 | 133,908.38 | 135,936.38 | 136,158.57 | 136,144.73 | 136,134.23 | 138,858.88 | 138,854.08 | 138,846.68 | 138,842.78 | 138,832.28 | 138,833.18 | 138,809.80 | 138,792.50 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 120.00 | 8,170.00 | 5,303.00 | 2,707.00 | -33.00 | 7,732.00 | 5,026.00 | 2,575.00 | -2,431.00 | 9,987.00 | 6,583.00 | 3,461.00 | -2,391.00 | 10,331.00 | 6,730.00 | 3,430.00 | -1,196.00 | 8,988.00 | 5,761.00 | 2,947.00 |
| Cost Of Revenue | -835.00 | 226.00 | 677.00 | 677.00 | -1,184.00 | 1,896.00 | 424.00 | 123.00 | -7,248.00 | 5,875.00 | 4,551.00 | 3,660.00 | -11,126.00 | 5,690.00 | 6,627.00 | 3,439.00 | -4,705.00 | 7,187.00 | 4,496.00 | 1,532.00 |
| Interest Income | -173,751.00 | 295,475.00 | 195,797.00 | 97,622.00 | -151,619.00 | 279,976.00 | 184,981.00 | 91,692.00 | -95,514.00 | 271,530.00 | 180,886.00 | 91,340.00 | 7,515.00 | 196,100.00 | 126,688.00 | 62,466.00 | -3,408.00 | 194,413.00 | 132,541.00 | 68,207.00 |
| Interest Expense | -109,858.00 | 163,947.00 | 109,727.00 | 55,392.00 | -100,124.00 | 158,739.00 | 104,068.00 | 52,099.00 | -81,087.00 | 148,993.00 | 93,099.00 | 45,512.00 | -17,283.00 | 53,404.00 | 33,973.00 | 16,852.00 | -51,825.00 | 64,956.00 | 45,655.00 | 24,394.00 |
| Net Interest | -79,517.00 | 131,528.00 | 86,070.00 | 42,230.00 | -79,682.00 | 121,237.00 | 80,913.00 | 39,593.00 | -102,880.00 | 122,537.00 | 87,787.00 | 45,828.00 | -88,431.00 | 142,696.00 | 92,715.00 | 45,614.00 | 48,417.00 | 129,457.00 | 86,886.00 | 43,813.00 |
| Non-Interest Income | -8,548.00 | 14,934.00 | 9,646.00 | 4,693.00 | 17,931.00 | 458.00 | -4,251.00 | -8,894.00 | -203,491.00 | 16,249.00 | 10,435.00 | 5,352.00 | -10,635.00 | 17,037.00 | 10,922.00 | 5,506.00 | -17,314.00 | 22,783.00 | 17,547.00 | 5,070.00 |
| Non-Interest Expense | -50,925.00 | 86,252.00 | 56,688.00 | 27,148.00 | -56,348.00 | 84,903.00 | 56,953.00 | 28,508.00 | -54,108.00 | 85,740.00 | 56,404.00 | 27,773.00 | -49,825.00 | 83,044.00 | 54,654.00 | 26,694.00 | -56,737.00 | 87,322.00 | 59,720.00 | 27,067.00 |
| Provisions for Credit Losses | -835.00 | 226.00 | 677.00 | 677.00 | -1,184.00 | 1,896.00 | 424.00 | 123.00 | -7,248.00 | 5,875.00 | 4,551.00 | 3,660.00 | 11,126.00 | -5,690.00 | -6,627.00 | -3,439.00 | 4,705.00 | -7,187.00 | -4,496.00 | -1,532.00 |
| Gross Profit | 955.00 | 7,944.00 | 4,626.00 | 2,030.00 | 1,151.00 | 5,836.00 | 4,602.00 | 2,452.00 | 4,817.00 | 4,112.00 | 2,032.00 | -199.00 | 8,735.00 | 4,641.00 | 103.00 | -9.00 | 3,509.00 | 1,801.00 | 1,265.00 | 1,415.00 |
| Selling, General and Administrative Expenses | -17,081.00 | 28,983.00 | 18,727.00 | 9,104.00 | -20,666.00 | 30,198.00 | 20,215.00 | 10,090.00 | -19,874.00 | 32,998.00 | 21,331.00 | 10,010.00 | -17,809.00 | 28,951.00 | 19,325.00 | 9,343.00 | -17,994.00 | 28,992.00 | 18,943.00 | 8,874.00 |
| EBT | -20,681.00 | 59,984.00 | 38,351.00 | 19,098.00 | 23,968.00 | 34,896.00 | 19,285.00 | 2,068.00 | -156,562.00 | 47,171.00 | 37,267.00 | 19,747.00 | 52,862.00 | 82,379.00 | 55,610.00 | 27,865.00 | 83,135.00 | 72,105.00 | 49,209.00 | 23,348.00 |
| Income Tax | -7,020.00 | 10,772.00 | 7,521.00 | 3,667.00 | 3,690.00 | 8,943.00 | 2,980.00 | 475.00 | 18,440.00 | 8,440.00 | 6,838.00 | 3,507.00 | -12,197.00 | 17,418.00 | 11,801.00 | 5,679.00 | -9,009.00 | 14,576.00 | 9,867.00 | 4,450.00 |
| Net Income | -27,448.00 | 49,212.00 | 30,830.00 | 15,431.00 | -6,791.00 | 25,953.00 | 16,305.00 | 2,543.00 | -187,059.00 | 38,731.00 | 30,429.00 | 16,240.00 | -46,503.00 | 64,961.00 | 43,809.00 | 22,186.00 | -39,687.00 | 57,529.00 | 39,342.00 | 18,898.00 |
| EBIT | -130,539.00 | 223,931.00 | 148,078.00 | 74,490.00 | -76,156.00 | 193,635.00 | 123,353.00 | 54,167.00 | -237,649.00 | 196,164.00 | 130,366.00 | 65,259.00 | 35,579.00 | 135,783.00 | 89,583.00 | 44,717.00 | 31,310.00 | 137,061.00 | 94,864.00 | 47,742.00 |
| Deprecation and Amortization | -5,785.00 | 8,342.00 | 5,598.00 | 2,860.00 | -12,300.00 | 14,000.00 | 10,198.00 | 5,010.00 | -2,440.00 | 5,341.00 | 3,570.00 | 1,735.00 | -176.00 | 4,042.00 | 2,395.00 | 927.00 | -2,063.00 | 3,894.00 | 2,827.00 | 1,709.00 |
| EBITDA | -136,324.00 | 232,273.00 | 153,676.00 | 77,350.00 | -88,456.00 | 207,635.00 | 133,551.00 | 59,177.00 | -240,089.00 | 201,505.00 | 133,936.00 | 66,994.00 | 35,403.00 | 139,825.00 | 91,978.00 | 45,644.00 | 29,247.00 | 140,955.00 | 97,691.00 | 49,451.00 |
| 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 | 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 | 0.00 |
| Average Shares Outstanding Basic | 129,953.56 | 130,026.45 | 129,999.14 | 129,972.97 | 127,956.18 | 130,923.89 | 131,449.74 | 132,353.31 | 132,013.99 | 133,668.76 | 133,903.77 | 134,640.93 | 135,847.18 | 135,675.96 | 135,651.61 | 135,627.04 | 135,652.29 | 135,450.95 | 135,423.99 | 135,397.69 |
| Average Shares Outstanding Diluted | 129,953.56 | 130,026.45 | 129,999.14 | 129,972.97 | 127,956.18 | 130,923.89 | 131,449.74 | 132,353.31 | 132,013.99 | 133,668.76 | 133,903.77 | 134,640.93 | 135,847.18 | 135,675.96 | 135,651.61 | 135,627.04 | 135,658.23 | 135,477.57 | 135,447.70 | 135,398.88 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 8,351.00 | 33,517.00 | 21,113.00 | 5,608.00 | 15,794.00 | 34,275.00 | 15,168.00 | -5,334.00 | 58,286.00 | 34,063.00 | 24,734.00 | 14,601.00 | 106,986.00 | 63,394.00 | 36,492.00 | 20,269.00 | 85,484.00 | 51,377.00 | 32,054.00 | 19,203.00 |
| Operating Net Income | 108,602.00 | 49,212.00 | 30,830.00 | 15,431.00 | 69,229.00 | 25,953.00 | 16,305.00 | 2,543.00 | -390,377.00 | 38,731.00 | 30,429.00 | 16,240.00 | 122,403.00 | 64,961.00 | 43,809.00 | 22,186.00 | 112,477.00 | 57,529.00 | 39,342.00 | 18,898.00 |
| Deprecation and Amortization | -5,785.00 | 8,342.00 | 5,598.00 | 2,860.00 | -12,300.00 | 14,000.00 | 10,198.00 | 5,010.00 | -2,440.00 | 5,341.00 | 3,570.00 | 1,735.00 | -176.00 | 4,042.00 | 2,395.00 | 927.00 | -2,063.00 | 3,894.00 | 2,827.00 | 1,709.00 |
| Deferred Income Tax | 2,080.00 | 0 | 0 | 0 | 3,544.00 | 0 | 0 | 0 | -45,532.00 | 0 | 0 | 0 | 2,037.00 | 0 | 0 | 0 | -1,677.00 | 0 | 0 | 0 |
| Share Based Compensation | -205.00 | 300.00 | 204.00 | 101.00 | -164.00 | 266.00 | 169.00 | 87.00 | -163.00 | 238.00 | 163.00 | 89.00 | -245.00 | 373.00 | 247.00 | 123.00 | -253.00 | 379.00 | 252.00 | 118.00 |
| Change in Working Capital | 23,062.00 | -23,192.00 | -19,101.00 | -8,278.00 | -24,433.00 | 2,017.00 | -2,952.00 | 2,653.00 | 15,656.00 | -16,533.00 | -12,888.00 | -425.00 | 30,915.00 | -24,505.00 | -19,929.00 | -6,152.00 | 16,545.00 | -20,748.00 | -16,691.00 | -6,084.00 |
| Other Operating Activities | -119,403.00 | -1,145.00 | 3,582.00 | -4,506.00 | -20,082.00 | -7,961.00 | -8,552.00 | -15,627.00 | 481,142.00 | 6,286.00 | 3,460.00 | -3,038.00 | -47,948.00 | 18,523.00 | 9,970.00 | 3,185.00 | -39,545.00 | 10,323.00 | 6,324.00 | 4,562.00 |
| Investing Cash Flow | 146,757.00 | -211,802.00 | -74,174.00 | -65,775.00 | -1,352,448.00 | 630,335.00 | 674,270.00 | 678,494.00 | 759,196.00 | -371,438.00 | -424,258.00 | -291,109.00 | -378,644.00 | 11,287.00 | 107,964.00 | 93,263.00 | 391,570.00 | -274,392.00 | -302,435.00 | -140,010.00 |
| 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 | 0.00 |
| Net Purchase/Sale of PPE | -1,451.00 | 3,593.00 | 1,951.00 | 1,152.00 | -2,397.00 | 6,037.00 | 2,912.00 | 1,261.00 | -1,478.00 | 4,397.00 | 2,269.00 | 1,093.00 | -2,979.00 | 4,492.00 | 2,518.00 | 1,526.00 | -4,086.00 | 9,085.00 | 4,972.00 | 2,058.00 |
| Net Purchase/Sale of Investments Net | -345,039.00 | 395,397.00 | 308,845.00 | 122,990.00 | -4,271,815.00 | 2,706,084.00 | 2,479,572.00 | 1,990,426.00 | -100,935.00 | 141,357.00 | 95,393.00 | 51,045.00 | -291,971.00 | 348,153.00 | 247,204.00 | 107,665.00 | -1,514,339.00 | 1,437,362.00 | 1,100,832.00 | 657,176.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 207,622.00 | -63,626.00 | 520,229.00 | 381,561.00 | -132,800.00 | |||||||||||||||
| Other Investing Activities | 421,011.00 | -728,631.00 | -354,463.00 | -237,971.00 | 2,835,287.00 | -2,046,599.00 | -1,716,113.00 | -1,290,378.00 | 1,683,399.00 | -1,028,043.00 | -1,025,505.00 | -670,830.00 | -277,707.00 | -493,163.00 | -165,114.00 | -28,315.00 | 1,422,905.00 | -1,541,562.00 | -1,171,324.00 | -595,546.00 |
| Financing Cash Flow | -186,208.00 | 135,943.00 | 176,143.00 | 13,184.00 | 930,190.00 | -592,394.00 | -491,530.00 | -598,408.00 | -933,368.00 | 617,590.00 | 410,537.00 | 277,000.00 | 104,077.00 | -90,184.00 | -42,299.00 | -25,279.00 | -449,048.00 | 109,802.00 | 202,125.00 | 97,941.00 |
| Net Issuance/Repayment of Debt | -550,100.00 | 650,100.00 | 350,100.00 | 200,000.00 | -325,200.00 | 275,100.00 | 225,100.00 | 175,100.00 | -9,000,636.00 | 7,734,994.00 | 5,620,436.00 | 3,487,618.00 | -599,204.00 | 1,873,104.00 | 793,702.00 | 293,702.00 | -1,126,000.00 | 1,810,600.00 | 1,143,000.00 | 663,000.00 |
| Net Issuance/Repurchase of Equity | 3,887.00 | 0 | 0 | 0 | -31,350.00 | 19,449.00 | 19,449.00 | 11,900.00 | -43,135.00 | 22,196.00 | 22,196.00 | 22,196.00 | 0 | 0 | 0 | 0 | -4,269.00 | 4,893.00 | 4,592.00 | 4,568.00 |
| Dividends Paid | -22,118.00 | 33,186.00 | 22,123.00 | 11,061.00 | -22,700.00 | 33,479.00 | 22,435.00 | 11,308.00 | -98,414.00 | 71,849.00 | 60,528.00 | 49,209.00 | -82,771.00 | 91,597.00 | 52,920.00 | 41,385.00 | -58,256.00 | 106,372.00 | 40,646.00 | 29,128.00 |
| Other Financing Activities | 382,123.00 | -547,343.00 | -196,080.00 | -197,877.00 | 1,309,440.00 | -920,422.00 | -758,514.00 | -796,716.00 | 8,208,817.00 | -7,211,449.00 | -5,292,623.00 | -3,282,023.00 | 786,052.00 | -2,054,885.00 | -888,921.00 | -360,366.00 | 739,477.00 | -1,812,063.00 | -986,113.00 | -598,755.00 |
| Net Change in Cash | -31,100.00 | -42,342.00 | 123,082.00 | -46,983.00 | -406,464.00 | 72,216.00 | 197,908.00 | 74,752.00 | -115,886.00 | 280,215.00 | 11,013.00 | 492.00 | -167,581.00 | -15,503.00 | 102,157.00 | 88,253.00 | 34,919.00 | -113,213.00 | -68,256.00 | -22,866.00 |
| Cash at Beginning of Period | 283,543.00 | 217,307.00 | 217,307.00 | 217,307.00 | 623,771.00 | 245,605.00 | 245,605.00 | 245,605.00 | 361,491.00 | 49,194.00 | 49,194.00 | 49,194.00 | 216,775.00 | 70,292.00 | 70,292.00 | 70,292.00 | 35,373.00 | 239,708.00 | 239,708.00 | 239,708.00 |
| Cash at End of Period | 252,443.00 | 174,965.00 | 340,389.00 | 170,324.00 | 217,307.00 | 317,821.00 | 443,513.00 | 320,357.00 | 245,605.00 | 329,409.00 | 60,207.00 | 49,686.00 | 49,194.00 | 54,789.00 | 172,449.00 | 158,545.00 | 70,292.00 | 126,495.00 | 171,452.00 | 216,842.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |