CLBK
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | -143.73 | 55.09 | 26.37 | 23.70 | 29.92 |
| Price to Sales | 105.47 | 125.85 | 130.24 | 124.24 | 112.84 |
| Book Value Per Common Share | 29.88 | 28.23 | 27.36 | 29.67 | 26.72 |
| Price to Book | 0.53 | 0.68 | 0.79 | 0.70 | 0.58 |
| Price to Operating Cash Flow | 50.30 | 20.69 | 10.37 | 13.79 | 17.90 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 74602.37 | 75300.30 | 94028.79 | 134020.47 | 80666.30 |
| 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 | 2022-12-31 | 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 | 42.89 | 69.10 | 166.67 | 189.67 | 499.00 | -1721.00 | 54.17 | 86.45 | 101.56 | 34.64 | 53.20 | 107.55 | 28.03 | 38.27 | 87.40 | |||||
| Price to Sales | 115.91 | 170.51 | 371.29 | 153.65 | 209.66 | 509.17 | 131.80 | 205.34 | 445.85 | 167.04 | 259.64 | 533.75 | 150.16 | 212.86 | 441.41 | |||||
| Book Value Per Common Share | 20.94 | 20.46 | 20.01 | 29.88 | 19.36 | 18.50 | 18.24 | 28.23 | 17.42 | 17.80 | 17.92 | 27.36 | 16.91 | 17.95 | 18.46 | 29.67 | 18.94 | 18.82 | 17.68 | 26.72 |
| Price to Book | 0.72 | 0.71 | 0.75 | 0.53 | 0.88 | 0.81 | 0.94 | 0.68 | 0.90 | 0.97 | 1.02 | 0.79 | 1.25 | 1.21 | 1.17 | 0.70 | 0.98 | 0.92 | 0.99 | 0.58 |
| Price to Operating Cash Flow | 34.76 | 113.18 | -967.74 | 392.41 | 46.55 | 123.90 | 22.11 | 59.81 | -529.86 | 19.86 | 30.54 | 67.54 | 28.65 | 25.08 | 10.75 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 64005.40 | 95254.80 | 204272.80 | 80424.22 | 110260.55 | 274466.73 | 103412.95 | 189879.75 | 340623.37 | 207567.45 | 335163.78 | 671042.72 | 155693.94 | 211216.15 | 464647.38 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -57.32 | -6.82 | 69.23 | ||
| Revenue YoY | -3.06 | -10.27 | 0.18 | 15.54 | |
| EBITDA YoY | -17.36 | 7.22 | 49.84 | -21.86 | |
| Net Profit YoY | -58.12 | -6.38 | 59.80 |
| 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 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 66.67 | 133.33 | 200.00 | 45.00 | 11.11 | 48.78 | 105.00 | 46.67 | 125.00 | |||||||||||
| Revenue YoY | 52.28 | 110.77 | 55.44 | 110.95 | 40.80 | 103.48 | 51.61 | 111.52 | 51.12 | 102.67 | ||||||||||
| EBITDA YoY | 53.68 | 107.44 | 56.28 | 115.98 | 65.96 | 68.10 | 76.84 | 54.90 | 111.70 | 44.11 | 113.79 | |||||||||
| Net Profit YoY | 70.12 | 138.26 | 182.72 | 44.78 | 8.89 | 48.24 | 112.52 | 43.96 | 126.81 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 6.21 | 8.66 | 4.72 | 3.01 | 9.73 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 4.35 | 4.62 | 4.46 | 3.80 | 3.85 |
| 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 | 2.95 | 2.86 | 2.93 | 6.03 | 3.05 | 4.11 | 3.93 | 8.47 | 2.20 | 1.12 | 3.26 | 4.58 | 1.16 | 1.26 | 1.09 | 2.91 | 3.02 | 3.91 | 3.67 | 9.63 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 8.51 | 8.58 | 8.64 | 4.35 | 8.90 | 9.28 | 9.25 | 4.62 | 9.25 | 8.86 | 9.24 | 4.46 | 8.72 | 8.08 | 7.95 | 3.80 | 7.92 | 7.78 | 8.04 | 3.85 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | -0.10 | 0.31 | 0.75 | 0.89 | 0.59 |
| ROE | -0.54 | 1.73 | 4.09 | 4.27 | 2.85 |
| Gross Margin | 5.20 | 69.56 | 68.70 | -13.81 | -21.85 |
| Operating Margin | 1368.34 | 1645.55 | 1392.43 | 921.49 | 1347.34 |
| EBITDA Margin | 1456.60 | 1708.76 | 1430.04 | 956.14 | 1413.65 |
| Net Profit Margin | -76.45 | 229.50 | 491.77 | 526.26 | 380.49 |
| 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 | 0.33 | 0.20 | 0.08 | 0.09 | 0.03 | -0.01 | 0.29 | 0.20 | 0.18 | 0.64 | 0.44 | 0.22 | 0.75 | 0.53 | 0.23 | |||||
| ROE | 3.16 | 1.89 | 0.81 | 0.89 | 0.32 | -0.11 | 2.93 | 1.99 | 1.80 | 6.24 | 4.04 | 1.98 | 6.67 | 4.62 | 2.11 | |||||
| Gross Margin | 41.32 | 37.68 | 28.67 | -2.50 | -2.85 | -53.25 | 70.41 | 85.63 | 95.92 | 66.15 | 65.91 | 64.91 | 60.20 | 28.58 | 39.08 | |||||
| Operating Margin | 1791.22 | 1771.41 | 1796.67 | 1896.85 | 1883.41 | 1839.52 | 1259.89 | 1066.01 | 1297.15 | 817.33 | 802.59 | 807.31 | 941.09 | 973.80 | 911.42 | |||||
| EBITDA Margin | 1861.27 | 1844.28 | 1873.93 | 1968.41 | 1957.84 | 1912.22 | 1300.03 | 1102.89 | 1334.98 | 839.11 | 821.28 | 820.59 | 981.50 | 1029.23 | 975.68 | |||||
| Net Profit Margin | 273.32 | 244.66 | 216.44 | 84.74 | 46.59 | -33.54 | 240.44 | 233.82 | 436.94 | 482.09 | 493.04 | 490.72 | 533.96 | 560.51 | 500.83 |
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 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | ||||||||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 11,565,163.00 | 11,694,046.00 | 11,500,043.00 | 10,339,043.00 | 9,818,819.00 |
| Deposits | 8,096,149.00 | 7,846,556.00 | 8,001,159.00 | 7,570,216.00 | 6,778,624.00 |
| Cash and Short-Term Investments | 631,815.00 | 888,667.00 | 498,731.00 | 313,078.00 | 1,068,035.00 |
| Cash and Cash Equivalents | 591,584.00 | 864,002.00 | 478,226.00 | 296,602.00 | 1,034,360.00 |
| Short-Term Investments | 40,231.00 | 24,665.00 | 20,505.00 | 16,476.00 | 33,675.00 |
| Net Receivables | 40,383.00 | 39,345.00 | 33,898.00 | 28,300.00 | 12,813,672.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 81,772.00 | 83,577.00 | 83,877.00 | 78,708.00 | 75,974.00 |
| Goodwill | 110,715.00 | 110,715.00 | 110,715.00 | 85,324.00 | 80,285.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 6,197.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 9,404,624.00 | 9,613,376.00 | 9,392,853.00 | 8,184,132.00 | 7,796,245.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 2,160,539.00 | 2,080,670.00 | 2,107,190.00 | 2,154,911.00 | 2,022,574.00 |
| Shareholders Equity | 3,130,547.00 | 2,962,270.00 | 2,981,489.00 | 3,188,073.00 | 2,964,236.00 |
| Capital Stock | 1,314.00 | 1,312.00 | 1,309.00 | 1,246.00 | 1,220.00 |
| Share Premium | 799,482.00 | 791,450.00 | 781,165.00 | 667,906.00 | 609,531.00 |
| Retained Earnings | 881,951.00 | 893,604.00 | 857,518.00 | 765,133.00 | 673,084.00 |
| Treasury Shares | 460,980.00 | 454,128.00 | 371,708.00 | 271,647.00 | 163,015.00 |
| Accumulated Other Comprehensive Income | -110,368.00 | -158,735.00 | -179,296.00 | -45,919.00 | -69,625.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 40,231.00 | 24,665.00 | 20,505.00 | 16,476.00 | 17,739,059.00 |
| Debt | 2,168,236.00 | 4,586,085.00 | 3,381,141.00 | 1,131,928.00 | 2,398,093.00 |
| Net Debt | 1,536,421.00 | 3,697,418.00 | 2,882,410.00 | 818,850.00 | 1,330,058.00 |
| Common Shares Outstanding | 104,759.18 | 104,918.90 | 108,970.48 | 107,442.45 | 110,939.75 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 15,243.00 | 15,724.00 | 17,523.00 | 17,491.00 | 15,139.00 |
| Cost Of Revenue | 14,451.00 | 4,787.00 | 5,485.00 | 19,906.00 | 18,447.00 |
| Interest Income | 451,426.00 | 394,978.00 | 309,670.00 | 270,150.00 | 295,711.00 |
| Interest Expense | 273,444.00 | 189,102.00 | 42,893.00 | 37,016.00 | 74,138.00 |
| Net Interest | 179,264.00 | 251,377.00 | 347,087.00 | 299,719.00 | 272,809.00 |
| Non-Interest Income | 1,896.00 | 27,369.00 | 31,035.00 | 39,179.00 | 31,157.00 |
| Non-Interest Expense | 183,708.00 | 184,260.00 | 178,199.00 | 158,486.00 | 159,796.00 |
| Provisions for Credit Losses | 14,451.00 | 4,787.00 | 5,485.00 | -19,906.00 | 18,447.00 |
| Gross Profit | 792.00 | 10,937.00 | 12,038.00 | -2,415.00 | -3,308.00 |
| Selling, General and Administrative Expenses | 55,734.00 | 50,595.00 | 46,974.00 | 41,289.00 | 30,963.00 |
| EBT | -64,868.00 | 69,644.00 | 201,103.00 | 124,162.00 | 129,836.00 |
| Income Tax | 14,728.00 | 5,824.00 | 30,534.00 | 33,643.00 | 17,725.00 |
| Net Income | -11,653.00 | 36,086.00 | 86,173.00 | 92,049.00 | 57,603.00 |
| EBIT | 208,576.00 | 258,746.00 | 243,996.00 | 161,178.00 | 203,974.00 |
| Deprecation and Amortization | 13,454.00 | 9,939.00 | 6,590.00 | 6,060.00 | 10,038.00 |
| EBITDA | 222,030.00 | 268,685.00 | 250,586.00 | 167,238.00 | 214,012.00 |
| 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 | 101,676.76 | 102,656.39 | 105,580.82 | 104,156.11 | 109,755.92 |
| Average Shares Outstanding Diluted | 101,839.51 | 102,894.97 | 106,193.16 | 104,156.11 | 109,755.92 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 31,962.00 | 95,641.00 | 220,111.00 | 157,574.00 | 95,386.00 |
| Operating Net Income | -61,793.00 | 99,906.00 | 256,742.00 | 274,830.00 | 169,714.00 |
| Deprecation and Amortization | 13,454.00 | 9,939.00 | 6,590.00 | 6,060.00 | 10,038.00 |
| Deferred Income Tax | -3,130.00 | 5,394.00 | 24,832.00 | 21,039.00 | 16,549.00 |
| Share Based Compensation | 6,497.00 | 7,979.00 | 7,440.00 | 8,880.00 | 8,790.00 |
| Change in Working Capital | 18,601.00 | 31,183.00 | 14,768.00 | 26,033.00 | 85,079.00 |
| Other Operating Activities | 58,333.00 | -58,760.00 | -90,261.00 | -179,268.00 | -194,784.00 |
| Investing Cash Flow | 41,301.00 | 41,400.00 | -613,019.00 | -440,707.00 | 260,664.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 8,664.00 | 7,635.00 | 10,676.00 | 7,371.00 | 4,624.00 |
| Net Purchase/Sale of Investments Net | 975,121.00 | 522,716.00 | 610,361.00 | 1,368,447.00 | 624,431.00 |
| Net Purchase/Sale of Business | 0 | 0 | 140,800.00 | -20,417.00 | -155,248.00 |
| Net Loan & Lease Activity | 0 | 311,299.00 | 987,753.00 | 325,917.00 | 80,498.00 |
| Other Investing Activities | -942,484.00 | -800,250.00 | -2,362,609.00 | -2,122,025.00 | -293,641.00 |
| Financing Cash Flow | -209,472.00 | 55,847.00 | 483,720.00 | -85,746.00 | -82,786.00 |
| Net Issuance/Repayment of Debt | 518,302.00 | 516,348.00 | 827,926.00 | 159,527.00 | 59,092.00 |
| Net Issuance/Repurchase of Equity | 5,894.00 | 161,004.00 | 93,996.00 | 216,394.00 | 216,813.00 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | -733,668.00 | -621,505.00 | -438,202.00 | -461,667.00 | -358,691.00 |
| Net Change in Cash | -136,209.00 | 192,888.00 | 90,812.00 | -368,879.00 | 273,264.00 |
| Cash at Beginning of Period | 425,432.00 | 230,361.00 | 88,416.00 | 439,842.00 | 149,693.00 |
| Cash at End of Period | 289,223.00 | 423,249.00 | 179,228.00 | 70,963.00 | 422,957.00 |
| 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 | 10,855,834.00 | 10,739,028.00 | 10,607,850.00 | 11,565,163.00 | 10,686,503.00 | 10,763,590.00 | 10,637,519.00 | 11,694,046.00 | 10,323,539.00 | 10,085,275.00 | 10,634,650.00 | 11,500,043.00 | 10,012,171.00 | 9,751,418.00 | 9,237,094.00 | 10,339,043.00 | 9,200,120.00 | 9,067,435.00 | 9,039,931.00 | 9,818,819.00 |
| Deposits | 8,240,321.00 | 8,135,483.00 | 8,194,935.00 | 8,096,149.00 | 7,958,059.00 | 7,781,547.00 | 7,829,403.00 | 7,846,556.00 | 7,703,166.00 | 7,714,156.00 | 7,674,201.00 | 8,001,159.00 | 8,064,893.00 | 8,033,064.00 | 7,594,988.00 | 7,570,216.00 | 7,222,358.00 | 7,079,276.00 | 6,996,330.00 | 6,778,624.00 |
| Cash and Short-Term Investments | 301,204.00 | 291,742.00 | 297,975.00 | 631,815.00 | 310,525.00 | 418,300.00 | 400,052.00 | 888,667.00 | 226,282.00 | 115,759.00 | 340,751.00 | 498,731.00 | 122,766.00 | 131,454.00 | 112,731.00 | 313,078.00 | 315,198.00 | 411,549.00 | 388,696.00 | 1,068,035.00 |
| Cash and Cash Equivalents | 253,402.00 | 248,224.00 | 256,089.00 | 591,584.00 | 283,501.00 | 391,114.00 | 373,472.00 | 864,002.00 | 204,484.00 | 93,475.00 | 319,439.00 | 478,226.00 | 102,048.00 | 109,152.00 | 95,997.00 | 296,602.00 | 298,488.00 | 387,231.00 | 359,716.00 | 1,034,360.00 |
| Short-Term Investments | 47,802.00 | 43,518.00 | 41,886.00 | 40,231.00 | 27,024.00 | 27,186.00 | 26,580.00 | 24,665.00 | 21,798.00 | 22,284.00 | 21,312.00 | 20,505.00 | 20,718.00 | 22,302.00 | 16,734.00 | 16,476.00 | 16,710.00 | 24,318.00 | 28,980.00 | 33,675.00 |
| Net Receivables | 42,249.00 | 41,161.00 | 41,902.00 | 40,383.00 | 41,659.00 | 41,338.00 | 41,585.00 | 39,345.00 | 37,016.00 | 35,159.00 | 35,126.00 | 33,898.00 | 30,152.00 | 28,272.00 | 27,774.00 | 28,300.00 | 27,857.00 | 28,296.00 | 13,002,748.00 | 12,813,672.00 |
| 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 | 82,814.00 | 82,176.00 | 82,592.00 | 81,772.00 | 82,248.00 | 82,547.00 | 83,234.00 | 83,577.00 | 83,344.00 | 82,843.00 | 83,721.00 | 83,877.00 | 84,255.00 | 83,743.00 | 77,776.00 | 78,708.00 | 74,426.00 | 75,450.00 | 76,790.00 | 75,974.00 |
| Real Estate | 0 | 0 | 1,300.00 | 0 | 2,000.00 | 2,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 110,715.00 | 0 | 0 | 0 | 110,715.00 | 0 | 0 | 0 | 110,715.00 | 0 | 0 | 0 | 85,324.00 | 0 | 0 | 0 | 80,285.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6,197.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 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 | 0 |
| Liabilities | 9,714,874.00 | 9,618,320.00 | 9,507,507.00 | 9,404,624.00 | 9,607,353.00 | 9,716,856.00 | 9,599,494.00 | 9,613,376.00 | 9,316,108.00 | 9,062,487.00 | 9,595,760.00 | 9,392,853.00 | 8,982,526.00 | 8,677,134.00 | 8,204,607.00 | 8,184,132.00 | 8,169,244.00 | 8,034,389.00 | 8,040,282.00 | 7,796,245.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 1,140,960.00 | 1,120,708.00 | 1,100,343.00 | 2,160,539.00 | 1,079,150.00 | 1,046,734.00 | 1,038,025.00 | 2,080,670.00 | 1,007,431.00 | 1,022,788.00 | 1,038,890.00 | 2,107,190.00 | 1,029,645.00 | 1,074,284.00 | 1,032,487.00 | 2,154,911.00 | 1,030,876.00 | 1,033,046.00 | 999,649.00 | 2,022,574.00 |
| Shareholders Equity | 2,193,043.00 | 2,146,312.00 | 2,099,636.00 | 3,130,547.00 | 2,027,314.00 | 1,937,986.00 | 1,915,213.00 | 2,962,270.00 | 1,830,324.00 | 1,879,405.00 | 1,909,922.00 | 2,981,489.00 | 1,858,141.00 | 1,992,723.00 | 1,964,619.00 | 3,188,073.00 | 2,012,897.00 | 2,022,825.00 | 1,926,791.00 | 2,964,236.00 |
| Capital Stock | 1,316.00 | 1,316.00 | 1,316.00 | 1,314.00 | 1,314.00 | 1,314.00 | 1,314.00 | 1,312.00 | 1,311.00 | 1,311.00 | 1,309.00 | 1,309.00 | 1,308.00 | 1,308.00 | 1,247.00 | 1,246.00 | 1,220.00 | 1,220.00 | 1,220.00 | 1,220.00 |
| Share Premium | 804,334.00 | 802,923.00 | 801,349.00 | 799,482.00 | 798,099.00 | 796,432.00 | 793,878.00 | 791,450.00 | 789,185.00 | 786,248.00 | 783,642.00 | 781,165.00 | 779,294.00 | 776,542.00 | 670,955.00 | 667,906.00 | 617,548.00 | 614,381.00 | 611,549.00 | 609,531.00 |
| Retained Earnings | 918,024.00 | 903,156.00 | 890,851.00 | 881,951.00 | 903,174.00 | 896,989.00 | 892,449.00 | 893,604.00 | 887,035.00 | 877,905.00 | 876,241.00 | 857,518.00 | 835,627.00 | 814,708.00 | 791,749.00 | 765,133.00 | 741,799.00 | 720,817.00 | 694,129.00 | 673,084.00 |
| Treasury Shares | 464,453.00 | 461,588.00 | 461,536.00 | 460,980.00 | 460,832.00 | 460,291.00 | 455,948.00 | 454,128.00 | 451,756.00 | 442,084.00 | 419,678.00 | 371,708.00 | 349,373.00 | 325,723.00 | 294,121.00 | 271,647.00 | 242,447.00 | 221,072.00 | 195,361.00 | 163,015.00 |
| Accumulated Other Comprehensive Income | -88,877.00 | -95,104.00 | -101,050.00 | -110,368.00 | -130,986.00 | -155,482.00 | -160,837.00 | -158,735.00 | -184,538.00 | -166,171.00 | -167,858.00 | -179,296.00 | -201,149.00 | -155,845.00 | -100,355.00 | -45,919.00 | -48,855.00 | -43,267.00 | -72,507.00 | -69,625.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 47,802.00 | 43,518.00 | 41,886.00 | 40,231.00 | 27,024.00 | 27,186.00 | 26,580.00 | 24,665.00 | 21,798.00 | 22,284.00 | 21,312.00 | 20,505.00 | 20,718.00 | 22,302.00 | 16,734.00 | 16,476.00 | 16,710.00 | 863,478.00 | 20,917,731.00 | 17,739,059.00 |
| Debt | 1,263,483.00 | 1,272,578.00 | 1,107,588.00 | 2,168,236.00 | 1,420,640.00 | 1,683,899.00 | 1,530,424.00 | 4,586,085.00 | 1,356,218.00 | 1,120,260.00 | 1,706,613.00 | 3,381,141.00 | 674,018.00 | 419,969.00 | 432,755.00 | 1,131,928.00 | 749,631.00 | 749,683.00 | 722,615.00 | 2,398,093.00 |
| Net Debt | 962,279.00 | 980,836.00 | 809,613.00 | 1,536,421.00 | 1,110,115.00 | 1,265,599.00 | 1,130,372.00 | 3,697,418.00 | 1,129,936.00 | 1,004,501.00 | 1,365,862.00 | 2,882,410.00 | 551,252.00 | 288,515.00 | 320,024.00 | 818,850.00 | 434,433.00 | 338,134.00 | 333,919.00 | 1,330,058.00 |
| Common Shares Outstanding | 104,743.27 | 104,927.14 | 104,930.90 | 104,759.18 | 104,725.44 | 104,755.27 | 105,022.81 | 104,918.90 | 105,046.15 | 105,598.74 | 106,584.54 | 108,970.48 | 109,907.94 | 111,000.74 | 106,441.92 | 107,442.45 | 106,297.90 | 107,506.07 | 108,977.57 | 110,939.75 |
| 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 | 13,198.00 | 8,667.00 | 4,112.00 | -6,759.00 | 11,293.00 | 7,265.00 | 3,444.00 | -9,556.00 | 12,276.00 | 8,719.00 | 4,285.00 | -8,764.00 | 13,334.00 | 8,795.00 | 4,158.00 | -8,096.00 | 12,869.00 | 8,516.00 | 4,202.00 |
| Cost Of Revenue | 7,745.00 | 5,401.00 | 2,933.00 | -9,874.00 | 11,575.00 | 7,472.00 | 5,278.00 | -273.00 | 3,632.00 | 1,253.00 | 175.00 | -3,486.00 | 4,514.00 | 2,998.00 | 1,459.00 | 6,142.00 | 5,122.00 | 6,082.00 | 2,560.00 |
| Interest Income | 349,071.00 | 228,654.00 | 112,163.00 | -216,914.00 | 337,800.00 | 221,913.00 | 108,627.00 | -174,353.00 | 287,428.00 | 189,023.00 | 92,880.00 | -122,616.00 | 221,738.00 | 141,813.00 | 68,735.00 | -134,576.00 | 201,571.00 | 135,518.00 | 67,637.00 |
| Interest Expense | 187,657.00 | 124,626.00 | 61,838.00 | -134,861.00 | 206,245.00 | 135,633.00 | 66,427.00 | -46,813.00 | 126,891.00 | 77,008.00 | 32,016.00 | 950.00 | 23,354.00 | 12,580.00 | 6,009.00 | -23,978.00 | 29,399.00 | 20,698.00 | 10,897.00 |
| Net Interest | 161,414.00 | 104,028.00 | 50,325.00 | -80,771.00 | 131,555.00 | 86,280.00 | 42,200.00 | -82,039.00 | 160,537.00 | 112,015.00 | 60,864.00 | -43,256.00 | 198,384.00 | 129,233.00 | 62,726.00 | -44,013.00 | 172,172.00 | 114,820.00 | 56,740.00 |
| Non-Interest Income | 28,511.00 | 18,644.00 | 8,471.00 | -47,798.00 | 25,610.00 | 16,632.00 | 7,452.00 | -4,362.00 | 16,130.00 | 7,528.00 | 8,073.00 | -13,590.00 | 22,874.00 | 14,710.00 | 7,041.00 | -24,262.00 | 31,860.00 | 22,986.00 | 8,595.00 |
| Non-Interest Expense | 133,837.00 | 88,751.00 | 43,845.00 | -88,594.00 | 134,739.00 | 91,905.00 | 45,658.00 | -85,567.00 | 134,418.00 | 91,508.00 | 43,901.00 | -75,327.00 | 130,308.00 | 82,469.00 | 40,749.00 | -66,895.00 | 112,365.00 | 75,313.00 | 37,703.00 |
| Provisions for Credit Losses | 7,745.00 | 5,401.00 | 2,933.00 | -9,874.00 | 11,575.00 | 7,472.00 | 5,278.00 | -273.00 | 3,632.00 | 1,253.00 | 175.00 | -3,486.00 | 4,514.00 | 2,998.00 | 1,459.00 | -6,142.00 | -5,122.00 | -6,082.00 | -2,560.00 |
| Gross Profit | 5,453.00 | 3,266.00 | 1,179.00 | 3,115.00 | -282.00 | -207.00 | -1,834.00 | -9,283.00 | 8,644.00 | 7,466.00 | 4,110.00 | -5,278.00 | 8,820.00 | 5,797.00 | 2,699.00 | -14,238.00 | 7,747.00 | 2,434.00 | 1,642.00 |
| Selling, General and Administrative Expenses | 41,059.00 | 27,445.00 | 13,292.00 | -33,081.00 | 43,277.00 | 30,338.00 | 15,200.00 | -23,458.00 | 37,270.00 | 24,642.00 | 12,141.00 | -21,209.00 | 34,816.00 | 22,268.00 | 11,099.00 | -19,307.00 | 30,160.00 | 20,088.00 | 10,348.00 |
| EBT | 48,748.00 | 28,902.00 | 12,041.00 | -70,957.00 | 7,966.00 | 1,197.00 | -3,074.00 | 2,367.00 | 27,773.00 | 15,937.00 | 23,567.00 | 29,907.00 | 85,629.00 | 58,008.00 | 27,559.00 | -57,180.00 | 91,710.00 | 62,231.00 | 27,401.00 |
| Income Tax | 12,382.00 | 7,421.00 | 3,124.00 | 13,120.00 | 469.00 | 507.00 | 632.00 | -9,309.00 | 6,033.00 | 3,328.00 | 5,772.00 | -13,435.00 | 21,928.00 | 14,981.00 | 7,060.00 | -15,353.00 | 24,673.00 | 16,878.00 | 7,445.00 |
| Net Income | 36,073.00 | 21,205.00 | 8,900.00 | -23,453.00 | 9,570.00 | 3,385.00 | -1,155.00 | -32,541.00 | 29,517.00 | 20,387.00 | 18,723.00 | -41,876.00 | 64,282.00 | 43,363.00 | 20,404.00 | -45,444.00 | 68,715.00 | 47,733.00 | 21,045.00 |
| EBIT | 236,405.00 | 153,528.00 | 73,879.00 | -205,818.00 | 214,211.00 | 136,830.00 | 63,353.00 | -44,446.00 | 154,664.00 | 92,945.00 | 55,583.00 | 30,857.00 | 108,983.00 | 70,588.00 | 33,568.00 | -81,158.00 | 121,109.00 | 82,929.00 | 38,298.00 |
| Deprecation and Amortization | 9,245.00 | 6,316.00 | 3,177.00 | -2,539.00 | 8,082.00 | 5,407.00 | 2,504.00 | 174.00 | 4,928.00 | 3,216.00 | 1,621.00 | 1,490.00 | 2,904.00 | 1,644.00 | 552.00 | -6,560.00 | 5,200.00 | 4,720.00 | 2,700.00 |
| EBITDA | 245,650.00 | 159,844.00 | 77,056.00 | -208,357.00 | 222,293.00 | 142,237.00 | 65,857.00 | -44,272.00 | 159,592.00 | 96,161.00 | 57,204.00 | 32,347.00 | 111,887.00 | 72,232.00 | 34,120.00 | -87,718.00 | 126,309.00 | 87,649.00 | 40,998.00 |
| 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 | 101,943.32 | 101,898.64 | 101,816.72 | 101,587.55 | 101,673.62 | 101,699.13 | 101,746.74 | 99,486.59 | 102,993.21 | 103,514.17 | 104,631.58 | 109,049.76 | 105,440.35 | 104,684.76 | 103,148.42 | 100,906.65 | 104,486.52 | 105,253.66 | 105,977.62 |
| Average Shares Outstanding Diluted | 101,943.32 | 101,898.64 | 101,816.72 | 101,751.96 | 101,813.25 | 101,804.39 | 101,988.43 | 99,338.65 | 103,257.62 | 103,835.24 | 105,148.38 | 109,748.85 | 106,040.24 | 105,246.30 | 103,737.25 | 100,906.65 | 104,486.52 | 105,253.66 | 105,977.62 |
| 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 | 44,016.00 | 13,060.00 | -1,582.00 | -19,305.00 | 4,421.00 | 32,710.00 | 14,136.00 | -3,866.00 | 73,189.00 | 29,926.00 | -3,608.00 | 293.00 | 112,211.00 | 74,753.00 | 32,854.00 | -154,518.00 | 67,481.00 | 72,276.00 | 172,335.00 |
| Operating Net Income | 72,439.00 | 42,686.00 | 17,817.00 | -80,352.00 | 17,067.00 | 5,089.00 | -3,597.00 | -20,865.00 | 51,257.00 | 32,996.00 | 36,518.00 | 1,805.00 | 127,983.00 | 86,390.00 | 40,564.00 | 4,991.00 | 135,752.00 | 93,086.00 | 41,001.00 |
| Deprecation and Amortization | 9,245.00 | 6,316.00 | 3,177.00 | -2,539.00 | 8,082.00 | 5,407.00 | 2,504.00 | 174.00 | 4,928.00 | 3,216.00 | 1,621.00 | 1,490.00 | 2,904.00 | 1,644.00 | 552.00 | -6,560.00 | 5,200.00 | 4,720.00 | 2,700.00 |
| Deferred Income Tax | -5,046.00 | -5,818.00 | 0 | -6,506.00 | 1,688.00 | 1,688.00 | 0 | 10,677.00 | -2,521.00 | -2,762.00 | 0 | 25,149.00 | -3,487.00 | 2,219.00 | 951.00 | 9,052.00 | 10,515.00 | 736.00 | 736.00 |
| Share Based Compensation | 3,590.00 | 2,460.00 | 1,130.00 | -5,313.00 | 5,511.00 | 4,270.00 | 2,029.00 | -3,895.00 | 6,156.00 | 3,873.00 | 1,845.00 | -4,369.00 | 5,787.00 | 4,107.00 | 1,915.00 | -4,546.00 | 6,743.00 | 4,540.00 | 2,143.00 |
| Change in Working Capital | -2,310.00 | 449.00 | 352.00 | -29,189.00 | 30,623.00 | 10,379.00 | 6,788.00 | -17,981.00 | 21,873.00 | 11,662.00 | 15,629.00 | 52,892.00 | -1,632.00 | -8,454.00 | -28,038.00 | 70,488.00 | 11,115.00 | -24,564.00 | -31,006.00 |
| Other Operating Activities | -33,902.00 | -33,033.00 | -24,058.00 | 104,594.00 | -58,550.00 | 5,877.00 | 6,412.00 | 28,024.00 | -8,504.00 | -19,059.00 | -59,221.00 | -76,674.00 | -19,344.00 | -11,153.00 | 16,910.00 | -227,943.00 | -101,844.00 | -6,242.00 | 156,761.00 |
| Investing Cash Flow | -402,728.00 | -289,264.00 | -159,018.00 | 383,842.00 | -140,259.00 | -153,235.00 | -49,047.00 | -242,607.00 | 102,719.00 | 244,862.00 | -63,574.00 | -263,457.00 | -293,946.00 | 11,846.00 | -67,462.00 | 715,321.00 | -509,271.00 | -303,271.00 | -343,486.00 |
| 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 | 7,459.00 | 4,640.00 | 2,920.00 | -3,146.00 | 7,091.00 | 3,048.00 | 1,671.00 | -2,216.00 | 5,312.00 | 2,814.00 | 1,725.00 | 548.00 | 5,872.00 | 3,391.00 | 865.00 | -4,281.00 | 4,902.00 | 4,269.00 | 2,481.00 |
| Net Purchase/Sale of Investments Net | 413,413.00 | 295,508.00 | 126,633.00 | 42,786.00 | 421,334.00 | 335,847.00 | 175,154.00 | -329,695.00 | 441,099.00 | 336,522.00 | 74,790.00 | -557,541.00 | 546,783.00 | 473,234.00 | 147,885.00 | -1,013,033.00 | 1,150,069.00 | 771,562.00 | 459,849.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -140,738.00 | 140,769.00 | 140,769.00 | 0 | -20,417.00 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 0 | 311,299.00 | 987,753.00 | 325,917.00 | 80,498.00 | ||||||||||||||
| Other Investing Activities | -823,600.00 | -589,412.00 | -288,571.00 | 344,202.00 | -568,684.00 | -492,130.00 | -225,872.00 | 337,813.00 | -607,682.00 | -259,672.00 | -270,709.00 | 498,000.00 | -1,627,340.00 | -897,426.00 | -335,843.00 | 1,877,650.00 | -1,872,502.00 | -1,204,124.00 | -923,049.00 |
| Financing Cash Flow | 322,891.00 | 235,205.00 | 127,466.00 | -279,086.00 | -3,910.00 | 88,390.00 | -14,866.00 | 359,647.00 | -150,652.00 | -360,541.00 | 207,393.00 | 259,668.00 | 212,820.00 | -48,410.00 | 59,642.00 | -706,246.00 | 317,321.00 | 195,269.00 | 107,910.00 |
| Net Issuance/Repayment of Debt | 341,719.00 | 311,978.00 | 146,988.00 | -51,476.00 | 242,845.00 | 295,204.00 | 31,729.00 | -350,802.00 | 251,771.00 | 15,813.00 | 599,566.00 | 444,635.00 | 290,947.00 | 36,898.00 | 55,446.00 | 12,908.00 | 57,861.00 | 57,913.00 | 30,845.00 |
| Net Issuance/Repurchase of Equity | 2,837.00 | 0 | 0 | -7,546.00 | 5,894.00 | 5,894.00 | 1,652.00 | -33,953.00 | 78,304.00 | 69,330.00 | 47,323.00 | -52,449.00 | 71,766.00 | 53,176.00 | 21,503.00 | 45,945.00 | 79,065.00 | 58,547.00 | 32,837.00 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | -21,665.00 | -76,773.00 | -19,522.00 | -220,064.00 | -252,649.00 | -212,708.00 | -48,247.00 | 744,402.00 | -480,727.00 | -445,684.00 | -439,496.00 | -132,518.00 | -149,893.00 | -138,484.00 | -17,307.00 | -765,099.00 | 180,395.00 | 78,809.00 | 44,228.00 |
| Net Change in Cash | -35,821.00 | -40,999.00 | -33,134.00 | 85,451.00 | -139,748.00 | -32,135.00 | -49,777.00 | 113,174.00 | 25,256.00 | -85,753.00 | 140,211.00 | -3,496.00 | 31,085.00 | 38,189.00 | 25,034.00 | -145,443.00 | -124,469.00 | -35,726.00 | -63,241.00 |
| Cash at Beginning of Period | 289,223.00 | 289,223.00 | 289,223.00 | 203,772.00 | 423,249.00 | 423,249.00 | 423,249.00 | 310,075.00 | 179,228.00 | 179,228.00 | 179,228.00 | 182,724.00 | 70,963.00 | 70,963.00 | 70,963.00 | 216,406.00 | 422,957.00 | 422,957.00 | 422,957.00 |
| Cash at End of Period | 253,402.00 | 248,224.00 | 256,089.00 | 289,223.00 | 283,501.00 | 391,114.00 | 373,472.00 | 423,249.00 | 204,484.00 | 93,475.00 | 319,439.00 | 179,228.00 | 102,048.00 | 109,152.00 | 95,997.00 | 70,963.00 | 298,488.00 | 387,231.00 | 359,716.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |