DCOM

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 55.88 11.76 8.53 14.35 7.47
Price to Sales 71.54 62.57 75.70 85.51 0.03
Book Value Per Common Share 95.01 94.92 91.19 89.57 78.68
Price to Book 0.32 0.28 0.35 0.39 0.20
Price to Operating Cash Flow 8.63 7.01 3.22 8.63 0.00
Price to Free Cash Flow
Enterprise Value to EBITDA 34341.28 23917.81 43621.33 75540.57 37319.71
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 17.86 24.72 61.96 25.49 24.29 46.98 10.40 11.16 24.70 10.69 16.85 42.16 20.16 48.03 -45.67
Price to Sales 88.60 124.84 257.91 86.43 91.81 162.12 60.36 77.63 227.20 92.37 137.52 334.33 116.06 202.77 353.76
Book Value Per Common Share 65.42 64.35 63.59 95.01 64.91 61.78 63.89 94.92 61.84 59.29 61.34 91.19 59.41 57.03 57.30 89.57 58.98 58.63 56.49 78.68
Price to Book 0.46 0.42 0.44 0.32 0.44 0.33 0.30 0.28 0.32 0.30 0.37 0.35 0.49 0.52 0.60 0.39 0.55 0.57 0.53 0.20
Price to Operating Cash Flow 9.14 13.10 18.30 110.05 18.03 23.97 5.82 15.09 64.60 4.58 7.83 17.04 8.29 23.87 -115.79
Price to Free Cash Flow
Enterprise Value to EBITDA 40587.96 56661.89 124981.81 34006.73 35146.07 64842.74 23810.50 31229.95 81761.63 59175.50 96302.85 242810.93 105777.88 222781.82

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -75.98 -38.61 52.24 16.11
Revenue YoY 1.75 1.43 1.30 78.65
EBITDA YoY -10.69 55.30 51.65 122.77
Net Profit YoY -69.73 -37.01 46.69 147.36
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 53.21 142.22 34.52 104.88 21.52 71.74 55.68 114.63 819900.00 131.43
Revenue YoY 56.10 99.98 50.11 87.41 45.71 127.32 46.05 106.88 67.41 132.74
EBITDA YoY 54.57 113.57 45.92 96.50 48.53 103.15 59.89 112.47 250.38 102.39
Net Profit YoY 54.09 138.40 36.85 104.45 23.12 73.72 54.07 111.45 32.06 126.95

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 35.42 12.90 5.04 10.82 224911.25
Quick Ratio
Current Ratio
Debt to Equity 4.21 4.66 4.71 4.19 5.79
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 39.84 26.88 24.00 31.61 16.32 10.80 9.69 12.69 9.39 11.85 17.38 5.04 8.09 7.23 11.03 10.56 27.85 38.62 28.68 222.07
Quick Ratio
Current Ratio
Debt to Equity 9.01 8.93 8.98 4.21 9.88 9.83 9.89 4.66 10.34 10.48 10.62 4.71 10.30 9.83 9.45 4.19 9.29 9.55 10.10 5.79
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.18 0.64 1.05 0.77 0.60
ROE 0.94 3.61 5.98 4.01 4.06
Gross Margin 66.84 -21.32
Operating Margin 2293.18 2614.03 1673.93 1095.03 914.89
EBITDA Margin 2334.18 2659.35 1736.82 1160.21 930.41
Net Profit Margin 173.90 584.62 941.36 650.06 469.48
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 0.54 0.36 0.15 0.36 0.27 0.13 0.58 0.47 0.27 0.87 0.59 0.29 0.56 0.24 -0.16
ROE 5.43 3.57 1.52 3.92 2.89 1.43 6.62 5.39 3.13 9.86 6.40 2.99 5.71 2.51 -1.79
Gross Margin 58.90 -130.72 -309.64 -15.63 -54.24 -333.18
Operating Margin 2195.54 2218.48 2075.40 2552.14 2626.84 2503.41 2530.71 2482.86 2775.20 1492.36 1357.69 1301.77 1044.99 884.33 -657.95
EBITDA Margin 2225.24 2247.24 2104.20 2593.78 2668.21 2544.81 2575.31 2526.48 2827.08 1556.57 1421.85 1384.43 1104.89 913.89 -624.49
Net Profit Margin 543.85 550.94 462.16 387.21 424.73 389.33 631.57 747.42 978.05 917.52 869.76 850.94 603.31 445.03 -720.34

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 16,036,459.00 15,073,739.00 14,570,770.00 13,467,877.00 7,031,833.00
   Deposits 11,631,420.00 10,469,398.00 10,254,407.00 10,458,974.00 7,961,980.00
      Cash and Short-Term Investments 1,379,099.00 492,661.00 194,306.00 421,086.00 4,384,420.00
            Cash and Cash Equivalents 1,379,099.00 492,661.00 194,306.00 421,086.00 4,384,420.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 55,970.00 55,666.00 48,561.00 40,149.00 81,364.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 81,051.00 97,597.00 104,606.00 114,626.00 78,879.00
      Goodwill 155,797.00 155,797.00 155,797.00 155,797.00 105,950.00
      Intangible Assets 3,896.00 5,059.00 10,984.00 10,984.00 1,442.00
      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 12,956,741.00 12,409,780.00 12,020,338.00 10,873,744.00 5,996,171.00
      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 272,325.00 200,196.00 200,283.00 197,096.00 0
      Other Non-Current Liabilities 0 0 0 0 0
Equity 3,079,718.00 2,663,959.00 2,550,432.00 2,594,133.00 1,035,662.00
   Shareholders Equity 4,144,533.00 3,685,116.00 3,517,487.00 3,571,679.00 1,553,493.00
      Capital Stock 117,030.00 116,985.00 116,985.00 116,985.00 199.00
      Share Premium 624,822.00 494,454.00 495,410.00 494,125.00 360,741.00
      Retained Earnings 794,526.00 813,007.00 762,762.00 654,726.00 173,575.00
      Treasury Shares 87,203.00 98,020.00 103,117.00 59,193.00 5,056.00
      Accumulated Other Comprehensive Income -37,519.00 -85,149.00 -90,617.00 -4,876.00 -10,128.00
   Minority Interest 0 0 0 0 0
Investments 487,700.00 563,896.00 640,945.00 2,136,119.00 4,784,062.00
Debt 593,643.00 455,846.00 460,906.00 460,295.00 204,831.00
Net Debt 0 0 266,600.00 39,209.00 0
Common Shares Outstanding 43,622.29 38,822.65 38,573.00 39,877.83 19,743.71
Preferred Shares Outstanding 5,299.20 5,299.20 5,299.20 5,299.20 0
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 16,725.00 16,437.00 16,206.00 15,998.00 8,955.00
Cost Of Revenue 0 0 5,374.00 19,409.00 0
Interest Income 709,806.00 664,232.00 471,849.00 410,236.00 185,773.00
Interest Expense 332,095.00 292,789.00 59,362.00 27,017.00 26,201.00
Net Interest 304,553.00 306,629.00 369,469.00 349,182.00 160,781.00
Non-Interest Income -3,955.00 36,206.00 38,156.00 42,204.00 19,703.00
Non-Interest Expense 227,662.00 214,194.00 202,450.00 249,660.00 113,509.00
Provisions for Credit Losses 0 0 5,374.00 19,409.00 0
Gross Profit 0 0 10,832.00 -3,411.00 0
   Selling, General and Administrative Expenses 62,813.00 58,465.00 59,364.00 61,280.00 32,274.00
EBT 51,439.00 136,879.00 211,915.00 148,166.00 55,727.00
Income Tax 17,047.00 32,963.00 122,719.00 92,391.00 11,799.00
Net Income 29,084.00 96,094.00 152,556.00 103,996.00 42,042.00
EBIT 383,534.00 429,668.00 271,277.00 175,183.00 81,928.00
Deprecation and Amortization 6,857.00 7,450.00 10,192.00 10,427.00 1,390.00
EBITDA 390,391.00 437,118.00 281,469.00 185,610.00 83,318.00
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 38,933.05 38,187.48 38,538.83 38,902.43 19.49
Average Shares Outstanding Diluted 38,933.05 38,187.48 38,538.83 38,903.04 19.55
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 138,733.00 146,608.00 381,488.00 158,468.00 69,748.00
   Operating Net Income 87,252.00 288,282.00 457,668.00 311,988.00 42,042.00
   Deprecation and Amortization 6,857.00 7,450.00 10,192.00 10,427.00 1,390.00
   Deferred Income Tax -6,294.00 635.00 2,662.00 8,596.00 -4,034.00
   Share Based Compensation 6,690.00 4,638.00 4,278.00 5,407.00 7,639.00
   Change in Working Capital -29,573.00 -57,158.00 179,603.00 -237,466.00 17,953.00
   Other Operating Activities 73,801.00 -97,239.00 -272,915.00 59,516.00 4,758.00
Investing Cash Flow 64,125.00 -214,046.00 -1,332,191.00 1,117,467.00 -716,840.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 0 0 3,745.00 14.00 5,129.00
   Net Purchase/Sale of Investments Net 781,780.00 192,216.00 102,442.00 1,285,556.00 1,083,295.00
   Net Purchase/Sale of Business 0 0 0 -727,533.00 0
   Net Loan & Lease Activity 6,594.00 0 0 9,855.00 962,582.00
   Other Investing Activities -724,249.00 -406,262.00 -1,438,378.00 549,575.00 -2,767,846.00
Financing Cash Flow 683,580.00 365,793.00 723,923.00 -1,204,466.00 1,403,343.00
   Net Issuance/Repayment of Debt 50,000.00 0 -502.00 -118,138.00 224.00
   Net Issuance/Repurchase of Equity 273,738.00 4,222.00 95,858.00 122,159.00 11,800.00
   Dividends Paid 90,644.00 89,176.00 88,154.00 93,274.00 19,197.00
   Other Financing Activities 269,198.00 272,395.00 540,413.00 -1,301,761.00 1,372,122.00
Net Change in Cash 886,438.00 298,355.00 -226,780.00 71,469.00 756,251.00
   Cash at Beginning of Period 397,133.00 159,192.00 396,077.00 322,253.00 0
   Cash at End of Period 1,283,571.00 457,547.00 169,297.00 393,722.00 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 14,538,943.00 14,207,935.00 14,097,682.00 16,036,459.00 13,746,529.00 13,548,763.00 13,501,092.00 15,073,739.00 13,651,405.00 13,802,862.00 13,841,724.00 14,570,770.00 12,885,903.00 12,347,085.00 12,078,245.00 13,467,877.00 12,364,381.00 12,703,685.00 13,018,628.00 7,031,833.00
   Deposits 11,978,362.00 11,694,837.00 11,527,782.00 11,631,420.00 11,329,472.00 10,975,785.00 10,797,475.00 10,469,398.00 10,528,778.00 10,452,058.00 10,570,235.00 10,254,407.00 10,488,670.00 10,566,001.00 10,430,103.00 10,458,974.00 10,674,037.00 11,066,193.00 10,810,812.00 7,961,980.00
      Cash and Short-Term Investments 1,715,044.00 1,156,754.00 1,030,702.00 1,379,099.00 626,056.00 413,983.00 370,852.00 492,661.00 358,824.00 452,504.00 663,132.00 194,306.00 312,996.00 281,487.00 432,994.00 421,086.00 1,125,691.00 1,582,732.00 982,687.00 4,384,420.00
            Cash and Cash Equivalents 1,715,044.00 1,156,754.00 1,030,702.00 1,379,099.00 626,056.00 413,983.00 370,852.00 492,661.00 358,824.00 452,504.00 663,132.00 194,306.00 312,996.00 281,487.00 432,994.00 421,086.00 629,011.00 1,184,183.00 676,723.00 4,384,420.00
            Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 496,680.00 398,549.00 305,964.00 0
      Net Receivables 57,048.00 55,418.00 56,044.00 55,970.00 54,578.00 55,588.00 55,369.00 55,666.00 53,608.00 51,787.00 49,926.00 48,561.00 41,567.00 38,382.00 38,456.00 40,149.00 43,284.00 47,209.00 51,100.00 81,364.00
      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 77,927.00 78,674.00 79,307.00 81,051.00 83,603.00 87,757.00 96,489.00 97,597.00 100,664.00 100,821.00 103,067.00 104,606.00 105,322.00 108,197.00 111,407.00 114,626.00 106,451.00 120,316.00 122,923.00 78,879.00
      Goodwill 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,797.00 155,339.00 155,339.00 155,339.00 105,950.00
      Intangible Assets 10,204.00 10,204.00 10,204.00 3,896.00 10,204.00 10,204.00 10,204.00 5,059.00 5,409.00 10,984.00 10,984.00 10,984.00 10,984.00 10,984.00 10,984.00 10,984.00 10,984.00 10,984.00 10,984.00 1,442.00
      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 13,086,601.00 12,776,929.00 12,685,669.00 12,956,741.00 12,482,600.00 12,298,167.00 12,261,721.00 12,409,780.00 12,447,061.00 12,600,359.00 12,650,471.00 12,020,338.00 11,745,112.00 11,206,563.00 10,922,958.00 10,873,744.00 11,163,264.00 11,499,409.00 11,845,804.00 5,996,171.00
      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 272,459.00 272,414.00 272,370.00 272,325.00 272,300.00 262,814.00 200,174.00 200,196.00 200,218.00 200,240.00 200,261.00 200,283.00 200,305.00 200,327.00 197,050.00 197,096.00 197,142.00 197,188.00 197,234.00 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 1,452,342.00 1,431,006.00 1,412,013.00 3,079,718.00 1,263,929.00 1,250,596.00 1,239,371.00 2,663,959.00 1,204,344.00 1,202,503.00 1,191,253.00 2,550,432.00 1,140,791.00 1,140,522.00 1,155,287.00 2,594,133.00 1,201,117.00 1,204,276.00 1,172,824.00 1,035,662.00
   Shareholders Equity 2,871,088.00 2,824,075.00 2,784,981.00 4,144,533.00 2,541,160.00 2,418,412.00 2,487,197.00 3,685,116.00 2,400,038.00 2,300,621.00 2,380,305.00 3,517,487.00 2,291,542.00 2,211,094.00 2,261,194.00 3,571,679.00 2,401,192.00 2,413,128.00 2,346,179.00 1,553,493.00
      Capital Stock 117,030.00 117,030.00 117,030.00 117,030.00 116,985.00 116,985.00 116,985.00 116,985.00 116,985.00 116,985.00 116,985.00 116,985.00 116,985.00 116,985.00 116,985.00 116,985.00 116,985.00 116,985.00 116,985.00 199.00
      Share Premium 622,657.00 622,660.00 623,305.00 624,822.00 488,607.00 488,760.00 492,834.00 494,454.00 494,470.00 493,955.00 493,801.00 495,410.00 495,232.00 495,266.00 494,969.00 494,125.00 493,775.00 492,848.00 492,431.00 360,741.00
      Retained Earnings 835,083.00 820,221.00 803,202.00 794,526.00 827,690.00 826,080.00 819,130.00 813,007.00 808,235.00 804,532.00 789,010.00 762,762.00 733,783.00 705,371.00 677,990.00 654,726.00 630,744.00 613,791.00 574,297.00 173,575.00
      Treasury Shares 77,500.00 77,443.00 79,570.00 87,203.00 86,272.00 86,426.00 93,921.00 98,020.00 98,263.00 96,838.00 96,437.00 103,117.00 102,996.00 96,890.00 74,715.00 59,193.00 29,928.00 15,395.00 1,313.00 5,056.00
      Accumulated Other Comprehensive Income -33,596.00 -37,937.00 -39,045.00 -37,519.00 -72,970.00 -82,780.00 -85,466.00 -85,149.00 -106,913.00 -104,385.00 -98,638.00 -90,617.00 -93,036.00 -69,950.00 -49,380.00 -4,876.00 -1,042.00 4,576.00 531.00 -10,128.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 311,309.00 340,008.00 363,207.00 487,700.00 381,143.00 472,004.00 479,832.00 563,896.00 622,192.00 547,946.00 496,140.00 640,945.00 553,693.00 2,530,548.00 2,299,256.00 2,136,119.00 1,952,488.00 1,420,554.00 1,334,836.00 4,784,062.00
Debt 320,597.00 319,973.00 320,802.00 593,643.00 323,662.00 317,344.00 254,901.00 455,846.00 258,499.00 257,787.00 260,018.00 460,906.00 260,557.00 262,177.00 260,650.00 460,295.00 260,012.00 269,358.00 268,483.00 204,831.00
Net Debt 0 0 0 0 0 0 0 0 0 0 0 266,600.00 0 0 0 39,209.00 0 0 0 0
Common Shares Outstanding 43,888.93 43,888.94 43,799.08 43,622.29 39,151.65 39,147.85 38,931.83 38,822.65 38,810.55 38,803.12 38,804.36 38,573.00 38,571.57 38,769.35 39,459.91 39,877.83 40,714.83 41,159.57 41,536.05 19,743.71
Preferred Shares Outstanding 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 5,299.20 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 14,494.00 9,285.00 4,643.00 -9,118.00 12,783.00 8,516.00 4,544.00 -8,680.00 12,633.00 8,670.00 3,814.00 -8,508.00 12,261.00 8,395.00 4,058.00 -5,095.00 11,377.00 6,796.00 2,920.00
Cost Of Revenue 0 0 0 0 0 0 0 0 0 0 0 -35,657.00 5,039.00 19,369.00 16,623.00 -16,877.00 13,155.00 10,482.00 12,649.00
Interest Income 574,007.00 370,677.00 181,025.00 -345,677.00 526,840.00 350,190.00 178,453.00 -298,914.00 491,464.00 318,777.00 152,905.00 -172,589.00 332,884.00 210,136.00 101,418.00 -186,447.00 305,913.00 198,642.00 92,128.00
Interest Expense 209,249.00 137,105.00 67,652.00 -188,489.00 257,710.00 173,395.00 89,479.00 -97,077.00 208,154.00 126,792.00 54,920.00 16,047.00 26,297.00 12,208.00 4,810.00 -19,849.00 21,891.00 16,061.00 8,914.00
Net Interest 295,709.00 192,310.00 94,213.00 -140,965.00 226,956.00 147,032.00 71,530.00 -187,544.00 242,450.00 165,971.00 85,752.00 -185,320.00 283,059.00 182,621.00 89,109.00 -165,677.00 265,923.00 171,095.00 77,841.00
Non-Interest Income 33,439.00 21,228.00 9,633.00 -66,603.00 29,906.00 22,275.00 10,467.00 -19,535.00 27,334.00 19,406.00 9,001.00 -17,063.00 28,689.00 19,327.00 7,203.00 -4,463.00 31,889.00 22,161.00 -7,383.00
Non-Interest Expense 188,034.00 125,810.00 65,511.00 -98,988.00 165,934.00 108,205.00 52,511.00 -92,126.00 159,184.00 99,661.00 47,475.00 -99,192.00 150,028.00 101,726.00 49,888.00 -165,302.00 194,470.00 137,687.00 82,805.00
Provisions for Credit Losses 0 0 0 0 0 0 0 0 0 0 0 -35,657.00 5,039.00 19,369.00 16,623.00 -16,877.00 13,155.00 10,482.00 12,649.00
Gross Profit 0 0 0 0 0 0 0 0 0 0 0 27,149.00 7,222.00 -10,974.00 -12,565.00 11,782.00 -1,778.00 -3,686.00 -9,729.00
   Selling, General and Administrative Expenses 50,157.00 33,063.00 16,578.00 -29,213.00 46,519.00 30,862.00 14,645.00 -30,436.00 44,430.00 29,488.00 14,983.00 -29,639.00 44,595.00 29,630.00 14,778.00 -26,560.00 44,901.00 29,709.00 13,230.00
EBT 108,973.00 68,881.00 28,709.00 -91,674.00 68,530.00 50,307.00 24,276.00 -114,069.00 111,550.00 88,472.00 50,926.00 -94,552.00 156,681.00 101,770.00 48,016.00 35,256.00 96,998.00 44,038.00 -28,126.00
Income Tax 30,147.00 17,726.00 7,251.00 -22,708.00 19,033.00 14,137.00 6,585.00 -36,095.00 31,764.00 23,671.00 13,623.00 36,296.00 44,184.00 28,754.00 13,485.00 43,146.00 28,359.00 13,794.00 7,092.00
Net Income 78,826.00 51,155.00 21,458.00 -74,274.00 49,497.00 36,170.00 17,691.00 -85,796.00 79,786.00 64,801.00 37,303.00 -67,488.00 112,497.00 73,016.00 34,531.00 26,147.00 68,639.00 30,244.00 -21,034.00
EBIT 318,222.00 205,986.00 96,361.00 -280,163.00 326,240.00 223,702.00 113,755.00 -211,146.00 319,704.00 215,264.00 105,846.00 -78,505.00 182,978.00 113,978.00 52,826.00 15,407.00 118,889.00 60,099.00 -19,212.00
Deprecation and Amortization 4,304.00 2,670.00 1,337.00 -3,870.00 5,323.00 3,523.00 1,881.00 -3,946.00 5,635.00 3,782.00 1,979.00 -6,421.00 7,873.00 5,386.00 3,354.00 627.00 6,814.00 2,009.00 977.00
EBITDA 322,526.00 208,656.00 97,698.00 -284,033.00 331,563.00 227,225.00 115,636.00 -215,092.00 325,339.00 219,046.00 107,825.00 -84,926.00 190,851.00 119,364.00 56,180.00 16,034.00 125,703.00 62,108.00 -18,235.00
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 43,052.90 43,030.02 42,948.69 40,780.55 38,366.62 38,329.49 38,255.56 38,218.49 38,203.96 38,175.99 38,151.46 37,285.44 38,678.89 38,939.75 39,251.25 39,941.95 40,425.74 40,981.08 34,260.94
Average Shares Outstanding Diluted 43,052.90 43,030.02 42,948.69 40,780.55 38,366.62 38,329.49 38,255.56 38,218.49 38,203.96 38,175.99 38,151.46 37,285.44 38,678.89 38,939.75 39,251.25 39,942.40 40,426.16 40,981.58 34,262.00
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
Operating Cash Flow 140,577.00 88,483.00 65,420.00 54,597.00 10,041.00 43,358.00 30,737.00 -42,337.00 130,916.00 44,612.00 13,417.00 -92,995.00 247,451.00 147,409.00 79,623.00 -49,618.00 159,283.00 57,721.00 -8,918.00
   Operating Net Income 78,826.00 51,155.00 21,458.00 -16,106.00 49,497.00 36,170.00 17,691.00 106,392.00 79,786.00 64,801.00 37,303.00 237,624.00 112,497.00 73,016.00 34,531.00 234,139.00 68,639.00 30,244.00 -21,034.00
   Deprecation and Amortization 4,304.00 2,670.00 1,337.00 -3,870.00 5,323.00 3,523.00 1,881.00 -3,946.00 5,635.00 3,782.00 1,979.00 -6,421.00 7,873.00 5,386.00 3,354.00 2,581.00 6,814.00 2,009.00 -977.00
   Deferred Income Tax 0 0 0 -6,294.00 0 0 0 635.00 0 0 0 2,662.00 0 0 0 46,708.00 -12,704.00 -12,704.00 -12,704.00
   Share Based Compensation 5,738.00 3,675.00 1,884.00 -3,048.00 4,982.00 3,026.00 1,730.00 -2,522.00 3,198.00 2,660.00 1,302.00 -2,334.00 3,228.00 2,165.00 1,219.00 -1,664.00 3,885.00 2,350.00 836.00
   Change in Working Capital -165,735.00 -147,108.00 -110,748.00 19,022.00 -79,314.00 4,755.00 25,964.00 -81,834.00 26,106.00 33,203.00 -34,633.00 -137,595.00 166,402.00 127,369.00 23,427.00 305,570.00 -172,046.00 -197,459.00 -173,531.00
   Other Operating Activities 217,444.00 178,091.00 151,489.00 64,893.00 29,553.00 -4,116.00 -16,529.00 -61,062.00 16,191.00 -59,834.00 7,466.00 -186,931.00 -42,549.00 -60,527.00 17,092.00 -636,952.00 264,695.00 233,281.00 198,492.00
Investing Cash Flow 104,949.00 -92,224.00 -84,528.00 -97,184.00 39,166.00 55,718.00 66,425.00 577,844.00 -279,462.00 -321,748.00 -190,680.00 -67,917.00 -875,506.00 -381,292.00 -7,476.00 -1,719,905.00 1,068,893.00 1,306,545.00 461,934.00
   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 3,540.00 2,676.00 0 0 0 0 0 0 0 0 0 3,745.00 0 0 0 14.00 0 0 0
   Net Purchase/Sale of Investments Net 145,196.00 105,797.00 29,720.00 749,413.00 20,973.00 11,394.00 0 -591,260.00 264,561.00 261,411.00 257,504.00 -73,295.00 92,952.00 47,841.00 34,944.00 -1,461,809.00 1,348,255.00 790,570.00 608,540.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -727,533.00 0 0 0
   Net Loan & Lease Activity 6,594.00 0 0 9,855.00 962,582.00
   Other Investing Activities -53,400.00 -205,852.00 -118,169.00 -840,382.00 13,214.00 40,409.00 62,510.00 1,169,104.00 -544,023.00 -583,159.00 -448,184.00 1,633.00 -968,458.00 -429,133.00 -42,420.00 469,423.00 -289,217.00 515,975.00 -146,606.00
Financing Cash Flow 185,947.00 -123,076.00 -233,761.00 890,775.00 119,302.00 -142,640.00 -183,857.00 -1,203,721.00 338,073.00 560,343.00 671,098.00 87,821.00 547,329.00 121,648.00 -32,875.00 81,884.00 -842,768.00 -423,686.00 -19,896.00
   Net Issuance/Repayment of Debt -50,000.00 -50,000.00 -50,000.00 1,895,000.00 -715,000.00 -590,000.00 -540,000.00 0 -171,360.00 -1,360.00 708.00 -2,055.00 262.00 300.00 991.00 110,629.00 -117,371.00 -118,159.00 6,763.00
   Net Issuance/Repurchase of Equity 642.00 483.00 168.00 272,208.00 763.00 557.00 210.00 -19.00 1,770.00 1,549.00 922.00 -9,731.00 47,294.00 40,860.00 17,435.00 74,523.00 31,544.00 15,156.00 936.00
   Dividends Paid 37,633.00 25,074.00 12,512.00 22,788.00 33,961.00 22,608.00 11,287.00 22,659.00 33,465.00 22,179.00 10,873.00 21,401.00 33,205.00 22,317.00 11,231.00 23,226.00 35,067.00 23,382.00 11,599.00
   Other Financing Activities 197,672.00 -98,633.00 -196,441.00 -1,299,221.00 799,578.00 424,195.00 344,646.00 -1,398,373.00 474,198.00 537,975.00 658,595.00 78,206.00 466,568.00 58,171.00 -62,532.00 -126,494.00 -792,008.00 -344,065.00 -39,194.00
Net Change in Cash 431,473.00 -126,817.00 -252,869.00 848,188.00 168,509.00 -43,564.00 -86,695.00 -668,214.00 189,527.00 283,207.00 493,835.00 -73,091.00 -80,726.00 -112,235.00 39,272.00 -1,687,639.00 385,408.00 940,580.00 433,120.00
   Cash at Beginning of Period 1,283,571.00 1,283,571.00 1,283,571.00 435,383.00 457,547.00 457,547.00 457,547.00 1,125,761.00 169,297.00 169,297.00 169,297.00 242,388.00 393,722.00 393,722.00 393,722.00 2,081,361.00 243,603.00 243,603.00 243,603.00
   Cash at End of Period 1,715,044.00 1,156,754.00 1,030,702.00 1,283,571.00 626,056.00 413,983.00 370,852.00 457,547.00 358,824.00 452,504.00 663,132.00 169,297.00 312,996.00 281,487.00 432,994.00 393,722.00 629,011.00 1,184,183.00 676,723.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0