CNOBP
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 12.98 | 8.89 | 6.73 | 8.15 | |
| Price to Sales | |||||
| Book Value Per Common Share | 95.84 | 93.84 | 89.29 | 28.41 | 23.01 |
| Price to Book | 0.24 | 0.20 | 0.23 | 0.93 | |
| Price to Operating Cash Flow | 8.65 | 5.17 | 3.88 | 3.87 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 13537.04 | 17476.08 | 29230.58 | 45765.54 |
| 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 | 28.75 | -282.63 | 45.31 | 16.50 | 23.17 | 48.78 | 10.51 | 15.53 | 26.73 | 8.86 | 14.66 | 31.63 | 10.76 | |||||||
| Price to Sales | ||||||||||||||||||||
| Book Value Per Common Share | 60.46 | 58.59 | 63.89 | 95.84 | 63.65 | 62.72 | 62.48 | 93.84 | 60.14 | 60.74 | 59.93 | 89.29 | 57.59 | 57.77 | 28.81 | 28.41 | 27.74 | 24.25 | 23.52 | 23.01 |
| Price to Book | 0.39 | 0.39 | 0.35 | 0.24 | 0.33 | 0.32 | 0.32 | 0.20 | 0.28 | 0.28 | 0.27 | 0.23 | 0.34 | 0.39 | 0.83 | 0.93 | 0.95 | |||
| Price to Operating Cash Flow | 20.39 | 44.48 | 57.05 | 28.21 | 18.04 | 37.34 | 10.26 | 17.88 | 38.31 | 8.22 | 12.53 | 0.02 | 6.75 | |||||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 23753.98 | 43458.96 | 58130.05 | 28346.92 | 40792.08 | 74594.07 | 23022.30 | 35578.94 | 66943.25 | 42814.45 | 76838.57 | 171382.34 | 60972.48 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -14.90 | -31.35 | -6.48 | 80.00 | |
| Revenue YoY | |||||
| EBITDA YoY | 59.67 | 48.96 | 19.93 | 27.00 | |
| Net Profit YoY | -9.17 | -30.51 | -3.94 | 82.85 |
| 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 | 45.98 | 112.20 | 45.95 | 85.00 | 45.45 | 102.63 | 49.39 | 97.59 | ||||||||||||
| Revenue YoY | ||||||||||||||||||||
| EBITDA YoY | 93.08 | 78.02 | 95.62 | 49.56 | 84.48 | 51.34 | 100.99 | 57.77 | 108.04 | 47.38 | 95.43 | |||||||||
| Net Profit YoY | 698.84 | -70.85 | 47.33 | 110.76 | 46.21 | 85.82 | 45.36 | 103.11 | 49.21 | 97.64 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 20.33 | 14.09 | 17.16 | 20.54 | 17.33 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.69 | 3.44 | 3.37 | 2.92 | 3.26 |
| 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 | 11.22 | 14.67 | 8.14 | 20.27 | 6.98 | 8.17 | 7.75 | 14.20 | 6.96 | 8.65 | 14.84 | 17.17 | 8.89 | 8.01 | 8174.34 | 20.54 | 11.47 | 9.78 | 7.53 | 17.33 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 8.12 | 8.30 | 6.79 | 0.69 | 6.78 | 6.94 | 7.10 | 3.44 | 7.15 | 7.11 | 7.36 | 3.37 | 7.25 | 6.73 | 6.32 | 2.92 | 6.24 | 6.99 | 6.96 | 3.26 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.37 | 0.78 | 1.14 | 1.39 | 0.82 |
| ROE | 0.64 | 3.46 | 4.98 | 5.42 | 3.50 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin |
| 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 | 0.35 | 0.04 | 0.22 | 0.55 | 0.37 | 0.17 | 0.70 | 0.48 | 0.25 | 0.98 | 0.72 | 0.38 | 1.22 | 0.85 | 0.44 | |||||
| ROE | 3.21 | 0.41 | 1.69 | 4.31 | 2.96 | 1.41 | 5.70 | 3.86 | 2.09 | 8.07 | 5.58 | 2.76 | 8.86 | 6.76 | 3.53 | |||||
| Gross Margin | ||||||||||||||||||||
| Operating Margin | ||||||||||||||||||||
| EBITDA Margin | ||||||||||||||||||||
| Net Profit Margin |
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 | 21,081,162.00 | 11,152,098.00 | 10,978,774.00 | 9,408,477.00 | 8,667,418.00 |
| Deposits | 7,820,114.00 | 7,536,202.00 | 7,356,622.00 | 6,332,953.00 | 5,959,224.00 |
| Cash and Short-Term Investments | 777,874.00 | 546,834.00 | 673,821.00 | 812,887.00 | 689,675.00 |
| Cash and Cash Equivalents | 749,128.00 | 521,313.00 | 653,792.00 | 798,368.00 | 676,288.00 |
| Short-Term Investments | 28,746.00 | 25,521.00 | 20,029.00 | 14,519.00 | 13,387.00 |
| Net Receivables | 22,479,713.00 | 22,621,372.00 | 19,067,697.00 | 34,652.00 | 44,737.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 42,936.00 | 42,786.00 | 37,979.00 | 40,049.00 | 46,267.00 |
| Goodwill | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 |
| Intangible Assets | 4,639.00 | 0 | 0 | 0 | 0 |
| 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 | 8,637,896.00 | 8,638,983.00 | 8,466,197.00 | 7,005,268.00 | 6,632,029.00 |
| 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 | 18,026.00 |
| 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 | 12,443,266.00 | 2,513,115.00 | 2,512,577.00 | 2,403,209.00 | 2,035,389.00 |
| Shareholders Equity | 3,677,266.00 | 3,614,751.00 | 3,503,889.00 | 1,124,212.00 | 915,310.00 |
| Capital Stock | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 586,946.00 |
| Share Premium | 36,347.00 | 33,182.00 | 30,126.00 | 27,246.00 | 23,887.00 |
| Retained Earnings | 631,446.00 | 590,970.00 | 535,915.00 | 440,169.00 | 331,951.00 |
| Treasury Shares | 76,116.00 | 70,296.00 | 52,799.00 | 39,672.00 | 30,271.00 |
| Accumulated Other Comprehensive Income | -47,846.00 | -35,109.00 | -32,364.00 | -1,404.00 | 2,797.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 13,819,335.00 | 13,925,280.00 | 13,866,079.00 | 3,788,473.00 | 13,387.00 |
| Debt | 175,386.00 | 172,049.00 | 317,907.00 | 318,319.00 | 423,322.00 |
| Common Shares Outstanding | 38,370.32 | 38,519.77 | 39,243.12 | 39,568.09 | 39,785.40 |
| Preferred Shares Outstanding | 115.00 | 115.00 | 115.00 | 115.00 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 13,800.00 | 8,200.00 | 17,750.00 | 5,500.00 | 0 |
| Interest Income | 517,889.00 | 490,065.00 | 373,746.00 | 301,738.00 | 308,200.00 |
| Interest Expense | 535,866.00 | 283,972.00 | 95,936.00 | 52,952.00 | 88,032.00 |
| Net Interest | 269,137.00 | 275,306.00 | 302,119.00 | 262,878.00 | 237,991.00 |
| Non-Interest Income | 33,291.00 | 14,001.00 | 13,243.00 | 15,691.00 | 14,400.00 |
| Non-Interest Expense | 151,798.00 | 143,949.00 | 126,388.00 | 109,011.00 | 121,001.00 |
| Provisions for Credit Losses | 13,800.00 | 8,200.00 | 17,750.00 | 0 | 0 |
| Selling, General and Administrative Expenses | 40,056.00 | 34,736.00 | 30,718.00 | 27,507.00 | 28,473.00 |
| EBT | 98,467.00 | 116,958.00 | 171,224.00 | 175,058.00 | 90,390.00 |
| Income Tax | 43,278.00 | 23,958.00 | 45,057.00 | 44,705.00 | 19,101.00 |
| Net Income | 79,022.00 | 87,003.00 | 125,211.00 | 130,353.00 | 71,289.00 |
| EBIT | 634,333.00 | 400,930.00 | 267,160.00 | 228,010.00 | 178,422.00 |
| Deprecation and Amortization | 16,700.00 | 6,815.00 | 6,571.00 | 229.00 | 1,297.00 |
| EBITDA | 651,033.00 | 407,745.00 | 273,731.00 | 228,239.00 | 179,719.00 |
| 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 | 38,270.00 | 38,809.00 | 39,260.00 | 0 | 0 |
| Average Shares Outstanding Diluted | 38,481.00 | 38,962.00 | 39,476.00 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 101,637.00 | 138,833.00 | 206,297.00 | 269,891.00 | 38,676.00 |
| Operating Net Income | 331,445.00 | 288,883.00 | 380,075.00 | 391,059.00 | 213,867.00 |
| Deprecation and Amortization | 16,700.00 | 6,815.00 | 6,571.00 | -229.00 | 1,297.00 |
| Deferred Income Tax | -2,040.00 | 4,135.00 | -403.00 | 16.00 | -7,495.00 |
| Share Based Compensation | 4,568.00 | 4,860.00 | 4,889.00 | 4,536.00 | 2,949.00 |
| Change in Working Capital | -52,693.00 | -825.00 | 72,449.00 | -87,602.00 | 79,392.00 |
| Other Operating Activities | -196,343.00 | -165,035.00 | -257,284.00 | -37,889.00 | -251,334.00 |
| Investing Cash Flow | 53,618.00 | -250,908.00 | -1,546,770.00 | -690,640.00 | -326,365.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 5,068.00 | 7,433.00 | 3,998.00 | 3,870.00 | 2,199.00 |
| Net Purchase/Sale of Investments Net | 151,696.00 | 109,805.00 | 493,193.00 | 635,694.00 | 257,774.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 87,391.00 |
| Net Loan & Lease Activity | -57,941.00 | 255,556.00 | 1,292,938.00 | 596,389.00 | 329,210.00 |
| Other Investing Activities | -45,205.00 | -623,702.00 | -3,336,899.00 | -1,926,593.00 | -1,002,939.00 |
| Financing Cash Flow | -41,214.00 | 5,197.00 | 1,326,766.00 | 481,789.00 | 402,958.00 |
| Net Issuance/Repayment of Debt | 1,978,595.00 | 5,817,064.00 | 8,016,973.00 | 9,168.00 | 37,375.00 |
| Net Issuance/Repurchase of Equity | 5,820.00 | 17,689.00 | 13,375.00 | 240,868.00 | 2,288.00 |
| Dividends Paid | 66,634.00 | 63,896.00 | 58,930.00 | 17,493.00 | 14,317.00 |
| Other Financing Activities | -2,092,263.00 | -5,893,452.00 | -6,762,512.00 | 214,260.00 | 348,978.00 |
| Net Change in Cash | 114,041.00 | -106,878.00 | -13,707.00 | -38,220.00 | 102,273.00 |
| Cash at Beginning of Period | 242,447.00 | 349,592.00 | 282,022.00 | 0 | 0 |
| Cash at End of Period | 356,488.00 | 242,714.00 | 268,315.00 | 0 | 0 |
| 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 | 14,023,585.00 | 13,915,738.00 | 9,759,255.00 | 21,081,162.00 | 9,639,603.00 | 9,723,731.00 | 9,853,964.00 | 11,152,098.00 | 9,678,885.00 | 9,723,963.00 | 9,960,467.00 | 10,978,774.00 | 9,478,252.00 | 8,841,506.00 | 8,334,301.00 | 9,408,477.00 | 7,949,514.00 | 7,710,082.00 | 7,449,639.00 | 8,667,418.00 |
| Deposits | 11,369,295.00 | 11,278,487.00 | 7,767,230.00 | 7,820,114.00 | 7,524,105.00 | 7,576,014.00 | 7,588,654.00 | 7,536,202.00 | 7,438,495.00 | 7,538,297.00 | 7,753,176.00 | 7,356,622.00 | 7,310,510.00 | 6,617,599.00 | 6,560,405.00 | 6,332,953.00 | 6,398,338.00 | 6,192,513.00 | 5,951,334.00 | 5,959,224.00 |
| Cash and Short-Term Investments | 562,867.00 | 616,240.00 | 311,462.00 | 777,874.00 | 267,647.00 | 313,256.00 | 297,040.00 | 546,834.00 | 270,975.00 | 337,874.00 | 580,441.00 | 673,821.00 | 349,407.00 | 315,313.00 | 324,742.00 | 812,887.00 | 454,295.00 | 389,086.00 | 299,692.00 | 689,675.00 |
| Cash and Cash Equivalents | 542,734.00 | 596,533.00 | 292,603.00 | 749,128.00 | 247,248.00 | 293,513.00 | 277,583.00 | 521,313.00 | 253,298.00 | 319,924.00 | 562,416.00 | 653,792.00 | 333,844.00 | 299,320.00 | 311,544.00 | 798,368.00 | 413,195.00 | 349,417.00 | 260,092.00 | 676,288.00 |
| Short-Term Investments | 20,133.00 | 19,707.00 | 18,859.00 | 28,746.00 | 20,399.00 | 19,743.00 | 19,457.00 | 25,521.00 | 17,677.00 | 17,950.00 | 18,025.00 | 20,029.00 | 15,563.00 | 15,993.00 | 13,198.00 | 14,519.00 | 41,100.00 | 39,669.00 | 39,600.00 | 13,387.00 |
| Net Receivables | 60,630.00 | 64,004.00 | 22,132,361.00 | 22,479,713.00 | 22,253,397.00 | 22,147,015.00 | 22,828,514.00 | 22,621,372.00 | 22,197,243.00 | 21,934,700.00 | 19,119,935.00 | 19,067,697.00 | 55,100.00 | 40,979.00 | 39,565.00 | 34,652.00 | 44,802.00 | 46,319.00 | 49,049.00 | 44,737.00 |
| 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 | 85,171.00 | 85,579.00 | 41,379.00 | 42,936.00 | 43,279.00 | 42,240.00 | 41,552.00 | 42,786.00 | 39,661.00 | 37,967.00 | 39,144.00 | 37,979.00 | 38,715.00 | 39,200.00 | 39,179.00 | 40,049.00 | 40,637.00 | 41,315.00 | 42,765.00 | 46,267.00 |
| Goodwill | 215,611.00 | 215,611.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 | 208,372.00 |
| Intangible Assets | 63,119.00 | 66,315.00 | 4,360.00 | 4,639.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 12,485,241.00 | 12,419,307.00 | 8,506,316.00 | 8,637,896.00 | 8,400,107.00 | 8,499,504.00 | 8,637,355.00 | 8,638,983.00 | 8,490,731.00 | 8,524,566.00 | 8,769,497.00 | 8,466,197.00 | 8,329,957.00 | 7,698,359.00 | 7,195,782.00 | 7,005,268.00 | 6,851,081.00 | 6,745,122.00 | 6,514,002.00 | 6,632,029.00 |
| 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 | 410,535.00 | 0 | 0 | 0 | 0 | 18,026.00 |
| 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 | 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 | 1,538,344.00 | 1,496,431.00 | 1,252,939.00 | 12,443,266.00 | 1,239,496.00 | 1,224,227.00 | 1,216,609.00 | 2,513,115.00 | 1,188,154.00 | 1,199,397.00 | 1,190,970.00 | 2,512,577.00 | 1,148,295.00 | 1,143,147.00 | 1,138,519.00 | 2,403,209.00 | 1,098,433.00 | 964,960.00 | 935,637.00 | 2,035,389.00 |
| Shareholders Equity | 3,039,578.00 | 2,945,457.00 | 2,457,788.00 | 3,677,266.00 | 2,442,239.00 | 2,406,210.00 | 2,395,086.00 | 3,614,751.00 | 2,322,894.00 | 2,364,957.00 | 2,348,078.00 | 3,503,889.00 | 2,260,098.00 | 2,267,191.00 | 1,138,519.00 | 1,124,212.00 | 1,098,433.00 | 964,960.00 | 935,637.00 | 915,310.00 |
| Capital Stock | 968,692.00 | 968,692.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 697,873.00 | 586,946.00 | 586,946.00 | 586,946.00 |
| Share Premium | 37,934.00 | 36,728.00 | 36,007.00 | 36,347.00 | 34,995.00 | 33,955.00 | 32,866.00 | 33,182.00 | 32,027.00 | 30,740.00 | 31,350.00 | 30,126.00 | 28,756.00 | 27,536.00 | 28,484.00 | 27,246.00 | 25,851.00 | 24,606.00 | 23,621.00 | 23,887.00 |
| Retained Earnings | 644,944.00 | 614,532.00 | 643,265.00 | 631,446.00 | 619,497.00 | 610,759.00 | 600,118.00 | 590,970.00 | 579,776.00 | 566,498.00 | 553,261.00 | 535,915.00 | 510,957.00 | 489,640.00 | 464,889.00 | 440,169.00 | 413,996.00 | 386,280.00 | 358,441.00 | 331,951.00 |
| Treasury Shares | 76,116.00 | 76,116.00 | 76,116.00 | 76,116.00 | 76,116.00 | 76,116.00 | 76,116.00 | 70,296.00 | 68,108.00 | 61,877.00 | 57,652.00 | 52,799.00 | 52,799.00 | 52,799.00 | 44,458.00 | 39,672.00 | 38,314.00 | 32,682.00 | 32,682.00 | 30,271.00 |
| Accumulated Other Comprehensive Income | -37,110.00 | -47,405.00 | -48,090.00 | -47,846.00 | -36,753.00 | -42,244.00 | -38,132.00 | -35,109.00 | -53,414.00 | -33,837.00 | -33,862.00 | -32,364.00 | -36,492.00 | -19,103.00 | -8,269.00 | -1,404.00 | -973.00 | -190.00 | -689.00 | 2,797.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 20,133.00 | 19,707.00 | 13,951,247.00 | 13,819,335.00 | 13,952,792.00 | 13,762,857.00 | 13,891,987.00 | 13,925,280.00 | 13,435,589.00 | 13,069,042.00 | 13,811,153.00 | 13,866,079.00 | 5,628,224.00 | 6,099,462.00 | 3,028,783.00 | 3,788,473.00 | 3,281,288.00 | 39,669.00 | 39,600.00 | 13,387.00 |
| Debt | 234,862.00 | 311,834.00 | 94,808.00 | 175,386.00 | 95,070.00 | 94,127.00 | 92,409.00 | 172,049.00 | 91,737.00 | 89,194.00 | 89,777.00 | 317,907.00 | 164,633.00 | 165,219.00 | 164,800.00 | 318,319.00 | 165,312.00 | 167,035.00 | 167,984.00 | 423,322.00 |
| Common Shares Outstanding | 50,273.09 | 50,270.16 | 38,469.97 | 38,370.32 | 38,368.22 | 38,365.07 | 38,333.05 | 38,519.77 | 38,621.97 | 38,936.65 | 39,179.05 | 39,243.12 | 39,243.12 | 39,243.12 | 39,518.41 | 39,568.09 | 39,602.20 | 39,794.82 | 39,773.60 | 39,785.40 |
| Preferred Shares Outstanding | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 115.00 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cost Of Revenue | 44,700.00 | 39,200.00 | 3,500.00 | -7,000.00 | 10,300.00 | 6,500.00 | 4,000.00 | -2,300.00 | 5,500.00 | 4,000.00 | 1,000.00 | -2,717.00 | 14,450.00 | 4,478.00 | 1,539.00 | -13,996.00 | 6,315.00 | 7,415.00 | 5,766.00 |
| Interest Income | 458,528.00 | 270,819.00 | 124,789.00 | -261,188.00 | 389,856.00 | 259,614.00 | 129,607.00 | -224,562.00 | 361,108.00 | 237,422.00 | 116,097.00 | -130,769.00 | 261,277.00 | 164,297.00 | 78,941.00 | -139,253.00 | 222,698.00 | 145,672.00 | 72,621.00 |
| Interest Expense | 413,171.00 | 247,701.00 | 116,768.00 | 112,554.00 | 207,230.00 | 137,875.00 | 78,207.00 | -84,960.00 | 188,804.00 | 122,189.00 | 57,939.00 | 7,617.00 | 50,840.00 | 25,323.00 | 12,156.00 | -32,445.00 | 41,075.00 | 28,991.00 | 15,331.00 |
| Net Interest | 273,275.00 | 158,949.00 | 73,998.00 | -151,905.00 | 216,462.00 | 144,351.00 | 60,229.00 | -169,689.00 | 220,897.00 | 148,447.00 | 75,651.00 | -138,298.00 | 224,110.00 | 145,949.00 | 70,358.00 | -114,874.00 | 192,417.00 | 124,172.00 | 61,163.00 |
| Non-Interest Income | 55,539.00 | 18,250.00 | 8,200.00 | 8,212.00 | 12,984.00 | 8,247.00 | 3,848.00 | -4,813.00 | 9,792.00 | 6,230.00 | 2,792.00 | -5,959.00 | 9,735.00 | 6,413.00 | 3,054.00 | -7,547.00 | 11,914.00 | 7,898.00 | 3,426.00 |
| Non-Interest Expense | 171,627.00 | 112,954.00 | 39,305.00 | -73,226.00 | 113,300.00 | 74,659.00 | 37,065.00 | -67,345.00 | 106,104.00 | 70,320.00 | 34,870.00 | -56,851.00 | 93,076.00 | 60,933.00 | 29,230.00 | -51,145.00 | 80,927.00 | 52,744.00 | 26,485.00 |
| Provisions for Credit Losses | 44,700.00 | 39,200.00 | 3,500.00 | -7,000.00 | 10,300.00 | 6,500.00 | 4,000.00 | -2,300.00 | 5,500.00 | 4,000.00 | 1,000.00 | -1,178.00 | 14,450.00 | 4,478.00 | 0 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 36,018.00 | 21,953.00 | 10,237.00 | -19,354.00 | 29,771.00 | 19,636.00 | 10,003.00 | -17,139.00 | 25,970.00 | 17,357.00 | 8,548.00 | -14,052.00 | 22,810.00 | 15,022.00 | 6,938.00 | -14,662.00 | 20,710.00 | 14,322.00 | 7,137.00 |
| EBT | 59,374.00 | 2,121.00 | 27,402.00 | -45,453.00 | 72,010.00 | 48,827.00 | 23,083.00 | -71,357.00 | 91,472.00 | 62,837.00 | 34,006.00 | -84,806.00 | 126,319.00 | 86,979.00 | 42,732.00 | -85,272.00 | 129,719.00 | 86,741.00 | 43,870.00 |
| Income Tax | 33,154.00 | 1,924.00 | 13,156.00 | 15,694.00 | 13,865.00 | 9,410.00 | 4,309.00 | -17,838.00 | 19,894.00 | 14,086.00 | 7,816.00 | -23,247.00 | 33,520.00 | 23,433.00 | 11,351.00 | -20,093.00 | 32,404.00 | 21,523.00 | 10,871.00 |
| Net Income Including Non-Controlling Interests | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 31,381.00 | 0 | 0 | 0 | 0 |
| Net Income Non-Controlling Interests | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0 |
| Net Income | 49,448.00 | 6,190.00 | 21,233.00 | -27,866.00 | 53,422.00 | 36,261.00 | 17,205.00 | -51,979.00 | 67,730.00 | 46,323.00 | 24,929.00 | -62,563.00 | 92,654.00 | 63,739.00 | 31,381.00 | -65,179.00 | 97,315.00 | 65,218.00 | 32,999.00 |
| EBIT | 472,545.00 | 249,822.00 | 144,170.00 | 67,101.00 | 279,240.00 | 186,702.00 | 101,290.00 | -156,317.00 | 280,276.00 | 185,026.00 | 91,945.00 | -77,189.00 | 177,159.00 | 112,302.00 | 54,888.00 | -117,717.00 | 170,794.00 | 115,732.00 | 59,201.00 |
| Deprecation and Amortization | 32,416.00 | 11,707.00 | 2,744.00 | 8,000.00 | 4,317.00 | 2,898.00 | 1,485.00 | -3,987.00 | 5,242.00 | 3,637.00 | 1,923.00 | -1,769.00 | 4,779.00 | 3,017.00 | 544.00 | -727.00 | 347.00 | 391.00 | 218.00 |
| EBITDA | 504,961.00 | 261,529.00 | 146,914.00 | 75,101.00 | 283,557.00 | 189,600.00 | 102,775.00 | -160,304.00 | 285,518.00 | 188,663.00 | 93,868.00 | -78,958.00 | 181,938.00 | 115,319.00 | 55,432.00 | -118,444.00 | 171,141.00 | 116,123.00 | 59,419.00 |
| 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 | 50,161.00 | 41,998.00 | 38,270.00 | 38,122.00 | 38,319.00 | 38,320.00 | 38,319.00 | 38,172.00 | 38,921.00 | 39,039.00 | 39,104.00 | 78,333.27 | 39,296.00 | 39,371.00 | 39.73 | 0.00 | 0 | 0 | 0 |
| Average Shares Outstanding Diluted | 50,463.00 | 42,173.00 | 38,511.00 | 38,434.00 | 38,525.00 | 38,453.00 | 38,512.00 | 38,317.00 | 39,056.00 | 39,174.00 | 39,301.00 | 78,798.00 | 39,510.00 | 39,596.00 | 0 | 0.00 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 58,698.00 | 21,348.00 | 14,891.00 | 9,835.00 | 28,461.00 | 42,819.00 | 20,522.00 | 20,260.00 | 64,561.00 | 37,638.00 | 16,374.00 | -5,460.00 | 94,946.00 | 70,967.00 | 45,844.00 | -84,357.00 | 154,644.00 | 119,473.00 | 80,131.00 |
| Operating Net Income | 150,448.00 | 16,633.00 | 67,673.00 | 69,327.00 | 131,012.00 | 88,662.00 | 42,444.00 | -24,119.00 | 153,346.00 | 103,934.00 | 55,722.00 | 36,234.00 | 185,968.00 | 126,492.00 | 31,381.00 | 195,527.00 | 97,315.00 | 65,218.00 | 32,999.00 |
| Deprecation and Amortization | 32,416.00 | 11,707.00 | 2,744.00 | 8,000.00 | 4,317.00 | 2,898.00 | 1,485.00 | -3,987.00 | 5,242.00 | 3,637.00 | 1,923.00 | -1,769.00 | 4,779.00 | 3,017.00 | 544.00 | 727.00 | -347.00 | -391.00 | -218.00 |
| Deferred Income Tax | 0 | 0 | 0 | -2,040.00 | 0 | 0 | 0 | 4,135.00 | 0 | 0 | 0 | -403.00 | 0 | 0 | 0 | 16.00 | 0 | 0 | 0 |
| Share Based Compensation | 3,819.00 | 2,515.00 | 1,287.00 | -1,753.00 | 3,216.00 | 2,097.00 | 1,008.00 | -2,289.00 | 3,641.00 | 2,365.00 | 1,143.00 | -2,076.00 | 3,519.00 | 2,299.00 | 1,147.00 | -1,595.00 | 3,202.00 | 1,957.00 | 972.00 |
| Change in Working Capital | 25,693.00 | 18,906.00 | 3,481.00 | -14,919.00 | -38,168.00 | -5,361.00 | 5,755.00 | 1,777.00 | -6,378.00 | -11,995.00 | 15,771.00 | 34,329.00 | -2,864.00 | 8,525.00 | 32,459.00 | 37,217.00 | -39,337.00 | -45,847.00 | -39,635.00 |
| Other Operating Activities | -153,678.00 | -28,413.00 | -60,294.00 | -48,780.00 | -71,916.00 | -45,477.00 | -30,170.00 | 44,743.00 | -91,290.00 | -60,303.00 | -58,185.00 | -71,775.00 | -96,456.00 | -69,366.00 | -19,687.00 | -316,249.00 | 93,811.00 | 98,536.00 | 86,013.00 |
| Investing Cash Flow | -46,178.00 | 99,048.00 | 59,175.00 | -360,289.00 | 211,669.00 | 169,165.00 | 33,073.00 | -112,355.00 | -75,717.00 | -36,280.00 | -26,556.00 | 642,727.00 | -1,329,583.00 | -699,700.00 | -160,214.00 | -169,286.00 | -352,696.00 | -174,280.00 | 5,622.00 |
| 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 | 3,787.00 | 331.00 | 263.00 | 3,131.00 | 1,536.00 | 263.00 | 138.00 | -2,864.00 | 3,950.00 | 3,480.00 | 2,867.00 | -349.00 | 2,353.00 | 1,276.00 | 718.00 | -1,385.00 | 3,560.00 | 1,628.00 | 67.00 |
| Net Purchase/Sale of Investments Net | 778,284.00 | 659,486.00 | 53,421.00 | -84,571.00 | 116,022.00 | 80,325.00 | 39,920.00 | -50,200.00 | 85,826.00 | 49,863.00 | 24,316.00 | -462,008.00 | 460,003.00 | 398,278.00 | 96,920.00 | -3,548.00 | 419,386.00 | 147,663.00 | 72,193.00 |
| Net Purchase/Sale of Business | -54,861.00 | -54,861.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -57,941.00 | 255,556.00 | 1,292,938.00 | 596,389.00 | 329,210.00 | ||||||||||||||
| Other Investing Activities | -875,429.00 | -473,877.00 | 75,942.00 | -670,384.00 | 318,033.00 | 269,858.00 | 37,288.00 | -149,921.00 | -248,340.00 | -137,791.00 | -87,650.00 | 1,500,400.00 | -2,876,422.00 | -1,549,977.00 | -410,900.00 | -205,707.00 | -1,120,740.00 | -496,955.00 | -103,191.00 |
| Financing Cash Flow | 173,726.00 | 119,649.00 | -137,951.00 | 374,293.00 | -235,596.00 | -161,185.00 | -18,726.00 | -345,476.00 | -3,861.00 | 50,251.00 | 304,283.00 | -799,074.00 | 1,302,945.00 | 662,517.00 | 160,378.00 | 203,247.00 | 307,491.00 | 100,468.00 | -129,417.00 |
| Net Issuance/Repayment of Debt | 1,995,043.00 | 1,944,621.00 | 805,017.00 | -1,788,677.00 | 1,452,636.00 | 1,368,620.00 | 946,016.00 | -3,225,032.00 | 4,753,048.00 | 2,784,032.00 | 1,505,016.00 | 1,274,739.00 | 4,248,629.00 | 2,493,605.00 | 0 | 9,168.00 | 0 | 0 | 0 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | -11,640.00 | 5,820.00 | 5,820.00 | 5,820.00 | -11,813.00 | 15,405.00 | 9,163.00 | 4,934.00 | -18,004.00 | 13,251.00 | 13,251.00 | 4,877.00 | 116,941.00 | 119,015.00 | 2,456.00 | 2,456.00 |
| Dividends Paid | 27,427.00 | 16,863.00 | 8,423.00 | 17,210.00 | 24,895.00 | 16,472.00 | 8,057.00 | 16,704.00 | 23,869.00 | 15,740.00 | 7,583.00 | 16,135.00 | 21,866.00 | 14,268.00 | 6,661.00 | -6,400.00 | 12,345.00 | 7,964.00 | 3,584.00 |
| Other Financing Activities | -1,848,744.00 | -1,841,835.00 | -951,391.00 | 2,157,400.00 | -1,718,947.00 | -1,552,097.00 | -978,619.00 | 2,874,665.00 | -4,796,183.00 | -2,758,684.00 | -1,213,250.00 | -2,071,944.00 | -2,980,801.00 | -1,858,607.00 | 148,840.00 | 83,538.00 | 176,131.00 | 90,048.00 | -135,457.00 |
| Net Change in Cash | 186,246.00 | 240,045.00 | -63,885.00 | 23,839.00 | 4,534.00 | 50,799.00 | 34,869.00 | -437,571.00 | -15,017.00 | 51,609.00 | 294,101.00 | -161,807.00 | 68,308.00 | 33,784.00 | 46,008.00 | -149,656.00 | 109,439.00 | 45,661.00 | -43,664.00 |
| Cash at Beginning of Period | 356,488.00 | 356,488.00 | 356,488.00 | 332,649.00 | 242,714.00 | 242,714.00 | 242,714.00 | 680,285.00 | 268,315.00 | 268,315.00 | 268,315.00 | 430,122.00 | 265,536.00 | 265,536.00 | 265,536.00 | 0.00 | 0 | 0 | 0 |
| Cash at End of Period | 542,734.00 | 596,533.00 | 292,603.00 | 356,488.00 | 247,248.00 | 293,513.00 | 277,583.00 | 242,714.00 | 253,298.00 | 319,924.00 | 562,416.00 | 268,315.00 | 333,844.00 | 299,320.00 | 311,544.00 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |