EBC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 26.14 | 9.93 | 14.26 | 22.41 |
| Price to Sales | 4.27 | 7.37 | 4.43 | 6.70 |
| Book Value Per Common Share | 17.96 | 18.42 | 14.03 | 18.28 |
| Price to Book | 0.96 | 0.77 | 1.23 | 1.10 |
| Price to Operating Cash Flow | 11.01 | 8.81 | 12.42 | 19.91 |
| Price to Free Cash Flow | 11.56 | 9.09 | 12.90 | 20.58 |
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|
| Price to Earnings | 34.25 | 30.54 | -15.19 | 57.50 | -546.33 | 87.38 |
| Price to Sales | 15.03 | 12.41 | -69.46 | 16.03 | 15.85 | 78.98 |
| Book Value Per Common Share | 19.15 | 18.54 | 18.03 | 17.96 | 18.44 | 16.80 |
| Price to Book | 0.95 | 0.82 | 0.91 | 0.96 | 0.89 | 0.83 |
| Price to Operating Cash Flow | 22.95 | 24.47 | 69.32 | 39.12 | 29.78 | |
| Price to Free Cash Flow | 24.31 | 25.40 | 72.06 | 41.62 | 30.26 | |
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | -53.85 | 18.18 | 34.44 | |
| Revenue YoY | 133.97 | -51.51 | 24.44 | |
| EBITDA YoY | ||||
| Net Profit YoY | -48.50 | 16.23 | 29.16 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|
| Earning YoY | 6.00 | |||||
| Revenue YoY | -1.76 | 6.47 | 604.23 | |||
| EBITDA YoY | ||||||
| Net Profit YoY | 5.90 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 6.08 | 6.10 | 8.16 | 5.90 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|
| Cash Per Common Share | 4.60 | |||||
| Quick Ratio | ||||||
| Current Ratio | ||||||
| Debt to Equity | 5.69 | 5.91 | 5.97 | 6.08 | 5.95 | 6.09 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 0.47 | 1.10 | 0.88 | 0.66 |
| ROE | 3.31 | 7.80 | 8.08 | 4.54 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 16.34 | 74.26 | 30.98 | 29.85 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|
| ROA | 0.42 | 0.39 | -0.87 | 0.24 | -0.02 | 0.13 |
| ROE | 2.79 | 2.72 | -6.08 | 1.68 | -0.17 | 0.89 |
| Gross Margin | ||||||
| Operating Margin | 404.19 | |||||
| EBITDA Margin | ||||||
| Net Profit Margin | 44.23 | 41.03 | 28.06 | -3.04 | 91.17 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | 69.04 | 28.72 | 32.98 | 33.34 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Dividend Payout Ratio | 24.38 | 26.20 | -11.07 | 39.92 | -359.02 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 25,557,880.00 | 21,133,278.00 | 22,646,858.00 | 23,512,128.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 1,006,880.00 | 693,076.00 | 169,505.00 | 1,231,792.00 |
| Short-Term Investments | 4,021,598.00 | 4,407,521.00 | 6,690,778.00 | 8,511,224.00 |
| Net Receivables | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 64,553.00 | 60,133.00 | 62,493.00 | 65,856.00 |
| Goodwill | 914,957.00 | 557,635.00 | 557,635.00 | 631,496.00 |
| Intangible Assets | 135,201.00 | 8,570.00 | 10,374.00 | 18,207.00 |
| Long-Term Investments | 4,442,313.00 | 4,857,242.00 | 7,167,425.00 | 8,511,224.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 21,945,913.00 | 18,158,423.00 | 20,175,068.00 | 20,105,776.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 2,515.00 | 95.00 | 691,297.00 | 17.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 42,795.00 | 39,621.00 | 35,101.00 | 34,261.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 3,611,967.00 | 2,974,855.00 | 2,471,790.00 | 3,406,352.00 |
| Shareholders Equity | 3,611,967.00 | 2,974,855.00 | 2,471,790.00 | 3,406,352.00 |
| Capital Stock | 2,141.00 | 1,767.00 | 1,762.00 | 1,863.00 |
| Share Premium | 2,237,494.00 | 1,666,441.00 | 1,649,141.00 | 1,835,241.00 |
| Retained Earnings | 2,084,503.00 | 2,047,754.00 | 1,881,775.00 | 1,768,653.00 |
| Treasury Shares | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -584,329.00 | -608,352.00 | -923,192.00 | -56,696.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Debt | 45,310.00 | 39,716.00 | 726,398.00 | 34,278.00 |
| Net Debt | 0 | 0 | 556,893.00 | 0 |
| Common Shares Outstanding | 201,125.08 | 161,510.86 | 176,172.07 | 186,305.33 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 731,514.00 | 312,656.00 | 644,804.00 | 518,150.00 |
| Interest Income | 946,766.00 | 796,459.00 | 605,181.00 | 435,159.00 |
| Interest Expense | 339,169.00 | 246,050.00 | 37,127.00 | 5,332.00 |
| Non-Interest Expense | 466,006.00 | 391,188.00 | 354,829.00 | 345,309.00 |
| Selling, General and Administrative Expenses | 324,035.00 | 282,503.00 | 248,641.00 | 240,350.00 |
| Net Non-Operating Income | -27,793.00 | -25,610.00 | -32,622.00 | -6,313.00 |
| EBT | 155,766.00 | -125,998.00 | 238,230.00 | 175,995.00 |
| Income Tax | 36,205.00 | -63,309.00 | 51,719.00 | 30,464.00 |
| Net Income Including Non-Controlling Interests | 119,561.00 | 232,177.00 | 199,759.00 | 154,665.00 |
| Net Income | 119,561.00 | 232,177.00 | 199,759.00 | 154,665.00 |
| Deprecation and Amortization | 38,377.00 | 23,643.00 | 23,417.00 | 22,882.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 181,126.32 | 162,293.02 | 165,510.36 | 172,192.34 |
| Average Shares Outstanding Diluted | 182,181.07 | 162,403.10 | 165,648.57 | 172,252.06 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 283,836.00 | 261,692.00 | 229,942.00 | 174,490.00 |
| Operating Net Income | 119,561.00 | -62,689.00 | 186,511.00 | 145,531.00 |
| Deprecation and Amortization | 38,377.00 | 23,643.00 | 23,417.00 | 22,882.00 |
| Deferred Income Tax | 36,059.00 | -18,267.00 | 5,262.00 | -5,663.00 |
| Share Based Compensation | 26,625.00 | 23,176.00 | 20,430.00 | 9,408.00 |
| Change in Working Capital | -5,783.00 | 32,304.00 | -46,385.00 | 47,331.00 |
| Other Operating Activities | 68,997.00 | 263,525.00 | 40,707.00 | -44,999.00 |
| Investing Cash Flow | 1,059,397.00 | 2,400,265.00 | -1,076,655.00 | -1,985,744.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -13,539.00 | -8,140.00 | -8,627.00 | -5,728.00 |
| Net Purchase/Sale of Investments Net | 1,214,348.00 | 2,313,347.00 | 243,391.00 | -2,374,418.00 |
| Net Purchase/Sale of Business | 24,879.00 | 0 | 0 | -9,085.00 |
| Other Investing Activities | -166,291.00 | 95,058.00 | -1,311,419.00 | 403,487.00 |
| Financing Cash Flow | -1,029,429.00 | -2,138,386.00 | -215,574.00 | 988,976.00 |
| Net Issuance/Repayment of Debt | -739,949.00 | -692,612.00 | 706,550.00 | -33,697.00 |
| Net Issuance/Repurchase of Equity | -27,683.00 | 0 | -201,618.00 | -23,224.00 |
| Dividends Paid | -82,541.00 | -66,671.00 | -65,886.00 | -51,564.00 |
| Other Financing Activities | -179,256.00 | -1,379,103.00 | -654,620.00 | 1,097,461.00 |
| Net Change in Cash | 313,804.00 | 523,571.00 | -1,062,287.00 | -822,278.00 |
| Cash at Beginning of Period | 693,076.00 | 169,505.00 | 1,231,792.00 | 2,054,070.00 |
| Cash at End of Period | 1,006,880.00 | 693,076.00 | 169,505.00 | 1,231,792.00 |
| Free Cash Flow | 270,297.00 | 253,552.00 | 221,315.00 | 168,762.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|
| Assets | 25,457,699.00 | 25,456,168.00 | 24,986,041.00 | 25,557,880.00 | 25,507,187.00 | 21,044,169.00 |
| Deposits | 0 | 0 | 0 | 0 | 0 | 31,542,807.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 750,848.00 |
| Cash and Cash Equivalents | 410,410.00 | 553,506.00 | 368,803.00 | 1,006,880.00 | 889,476.00 | 72,890.00 |
| Short-Term Investments | 6,892.00 | 27,045.00 | 56,999.00 | 4,021,598.00 | 4,163,352.00 | 677,958.00 |
| Net Receivables | 0 | 0 | 0 | 0 | 0 | 1,308.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 72,138.00 | 66,437.00 | 65,130.00 | 64,553.00 | 78,776.00 | 108,930.00 |
| Goodwill | 914,957.00 | 914,957.00 | 914,957.00 | 914,957.00 | 914,957.00 | 0 |
| Intangible Assets | 111,779.00 | 119,586.00 | 127,394.00 | 135,201.00 | 142,552.00 | 0 |
| Long-Term Investments | 4,324,755.00 | 4,395,380.00 | 4,444,779.00 | 4,442,313.00 | 4,590,811.00 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 | 276,064.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 21,652,174.00 | 21,772,277.00 | 21,403,107.00 | 21,945,913.00 | 21,836,049.00 | 18,076,696.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 2,515.00 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 25,882.00 | 26,797.00 | 20,128.00 | 42,795.00 | 46,747.00 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 3,805,525.00 | 3,683,891.00 | 3,582,934.00 | 3,611,967.00 | 3,671,138.00 | 2,967,473.00 |
| Shareholders Equity | 3,805,525.00 | 3,683,891.00 | 3,582,934.00 | 3,611,967.00 | 3,671,138.00 | 2,967,473.00 |
| Capital Stock | 2,115.00 | 2,115.00 | 2,116.00 | 2,141.00 | 2,150.00 | 1,770.00 |
| Share Premium | 2,193,944.00 | 2,189,727.00 | 2,188,552.00 | 2,237,494.00 | 2,246,134.00 | 1,673,722.00 |
| Retained Earnings | 1,997,007.00 | 1,916,876.00 | 1,842,607.00 | 2,084,503.00 | 2,048,042.00 | 2,076,566.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -263,502.00 | -299,527.00 | -323,779.00 | -584,329.00 | -496,111.00 | -654,290.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 5,212,512.00 |
| Debt | 25,882.00 | 26,797.00 | 20,128.00 | 45,310.00 | 46,747.00 | 52,709.00 |
| Common Shares Outstanding | 198,693.12 | 198,678.91 | 198,775.79 | 201,125.08 | 199,050.07 | 176,687.83 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|
| Revenues | 239,976.00 | 244,263.00 | -47,219.00 | 216,542.00 | 203,383.00 | 28,880.00 |
| Interest Income | 283,016.00 | 279,339.00 | 265,705.00 | 270,761.00 | 266,018.00 | 207,376.00 |
| Interest Expense | 82,768.00 | 77,309.00 | 76,806.00 | 91,568.00 | 96,163.00 | 78,727.00 |
| Net Interest | 0 | 0 | 0 | 0 | 0 | 128,649.00 |
| Non-Interest Income | 0 | 0 | 0 | 0 | 0 | 25,348.00 |
| Non-Interest Expense | 129,407.00 | 126,572.00 | 116,435.00 | 123,054.00 | 141,491.00 | -109,869.00 |
| Selling, General and Administrative Expenses | 90,143.00 | 86,908.00 | 84,879.00 | 85,593.00 | 98,535.00 | 34,259.00 |
| Net Non-Operating Income | -1,694.00 | -1,964.00 | -5,877.00 | -7,139.00 | -12,052.00 | 0 |
| EBT | 93,967.00 | 100,320.00 | -183,939.00 | 72,178.00 | -3,353.00 | 38,002.00 |
| Income Tax | -12,177.00 | 87.00 | 33,727.00 | 11,407.00 | 2,835.00 | 11,671.00 |
| Net Income Including Non-Controlling Interests | 106,144.00 | 100,233.00 | -217,666.00 | 60,771.00 | -6,188.00 | 0 |
| Net Income | 106,144.00 | 100,233.00 | -217,666.00 | 60,771.00 | -6,188.00 | 26,331.00 |
| EBIT | 0 | 0 | 0 | 0 | 0 | 116,729.00 |
| Deprecation and Amortization | 14,047.00 | 14,136.00 | 13,682.00 | 13,183.00 | 13,291.00 | 0 |
| EPS | 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 |
| Average Shares Outstanding Basic | 198,726.11 | 198,500.00 | 200,000.00 | 201,237.75 | 196,700.22 | 163,145.26 |
| Average Shares Outstanding Diluted | 199,478.94 | 199,000.00 | 201,400.00 | 202,638.61 | 197,706.64 | 163,499.30 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Operating Cash Flow | 157,140.00 | 123,877.00 | 47,321.00 | 88,719.00 | 108,267.00 |
| Operating Net Income | 106,144.00 | 100,233.00 | -217,666.00 | 60,771.00 | -6,188.00 |
| Deprecation and Amortization | 14,047.00 | 14,136.00 | 13,682.00 | 13,183.00 | 13,291.00 |
| Deferred Income Tax | 14,848.00 | 23,681.00 | -64,905.00 | 17,046.00 | 9,123.00 |
| Share Based Compensation | 6,065.00 | 6,118.00 | 6,945.00 | 7,793.00 | 7,826.00 |
| Change in Working Capital | 18,758.00 | -11,052.00 | 44,990.00 | -8,401.00 | 40,882.00 |
| Other Operating Activities | -2,722.00 | -9,239.00 | 264,275.00 | -1,673.00 | 43,333.00 |
| Investing Cash Flow | -162,559.00 | -324,392.00 | -81,342.00 | -29,851.00 | 1,024,574.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -8,783.00 | -4,568.00 | -1,801.00 | -5,298.00 | -1,729.00 |
| Net Purchase/Sale of Investments Net | 91,160.00 | 52,869.00 | 79,064.00 | 4,356.00 | 965,404.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | 0 | 0 | 0 | -28,909.00 | 0 |
| Financing Cash Flow | -137,677.00 | 385,218.00 | -604,056.00 | 58,536.00 | -994,213.00 |
| Net Issuance/Repayment of Debt | -8,365.00 | -6,721.00 | -11,270.00 | 23,083.00 | -765,579.00 |
| Net Issuance/Repurchase of Equity | 0 | -5,473.00 | -46,456.00 | -15,055.00 | -12,628.00 |
| Dividends Paid | -25,880.00 | -26,266.00 | -24,092.00 | -24,257.00 | -22,216.00 |
| Other Financing Activities | -103,432.00 | 423,678.00 | -522,238.00 | 74,765.00 | -193,790.00 |
| Net Change in Cash | -143,096.00 | 184,703.00 | -638,077.00 | 117,404.00 | 138,628.00 |
| Cash at Beginning of Period | 553,506.00 | 368,803.00 | 1,006,880.00 | 889,476.00 | 750,848.00 |
| Cash at End of Period | 410,410.00 | 553,506.00 | 368,803.00 | 1,006,880.00 | 889,476.00 |
| Free Cash Flow | 148,357.00 | 119,309.00 | 45,520.00 | 83,421.00 | 106,538.00 |