FBP

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 10.21 9.56 7.95 10.44 20.04
Price to Sales 2.50 2.51 2.46 0.00 0.00
Book Value Per Common Share 30.56 26.54 21.76 31.24 31.28
Price to Book 0.61 0.62 0.58 0.44 0.29
Price to Operating Cash Flow 4.30 4.28 3.05 0.01 0.01
Price to Free Cash Flow
Enterprise Value to EBITDA 23907.02 18600.72 20662.44 43224.91 49462.84
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 13.78 21.47 40.79 15.68 20.32 39.86 10.77 15.47 29.28 11.40 16.14 31.24 13.56 19.54 40.21
Price to Sales 4.77 6.81 12.59 5.01 6.57 12.72 3.43 4.67 8.82 3.87 5.69 0.01 0.00 0.01 0.01
Book Value Per Common Share 36.16 34.28 32.73 30.56 31.14 27.31 26.63 26.54 22.42 23.33 23.45 21.76 20.48 24.39 26.89 31.24 31.93 31.40 30.47 31.28
Price to Book 0.61 0.61 0.59 0.61 0.68 0.67 0.66 0.62 0.60 0.52 0.49 0.58 0.67 0.53 0.49 0.44 0.41 0.38 0.37 0.29
Price to Operating Cash Flow 10.40 16.56 28.86 11.37 16.04 24.79 8.47 13.18 17.83 7.90 11.54 0.02 0.01 0.01 0.02
Price to Free Cash Flow
Enterprise Value to EBITDA 38937.16 56655.58 104591.46 36061.19 46582.08 91659.27 29245.15 44175.04 87871.49 53058.99 76628.08 154452.39 56758.19 80162.12 166706.93

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 5.81 7.50 21.21 186.96
Revenue YoY 6.03 17.29 7.62 13.89
EBITDA YoY -14.90 33.12 74.83 58.16
Net Profit YoY -1.37 -0.72 8.56 174.78
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 64.95 106.38 50.00 104.55 58.23 102.56 50.00 90.48 59.02 117.86
Revenue YoY 50.25 99.47 50.75 100.50 48.99 101.15 53.32 103.96 50.89 103.59
EBITDA YoY 51.76 98.64 49.52 101.69 61.41 112.81 52.77 48.75 91.28 52.74 112.11
Net Profit YoY 63.93 104.05 49.38 103.24 58.03 99.94 47.43 90.43 57.46 115.39

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 7.14 3.84 2.63 12214.29 7245.26
Quick Ratio
Current Ratio
Debt to Equity 0.78 0.80 0.82 0.76 0.72
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 5.97 4.73 8.32 7.17 4.23 3.62 4.19 4.00 3.48 6.14 4.65 2.75 2.98 6.54 8647.94 12.72 12743.99 13042.78 7098.13 7.20
Quick Ratio
Current Ratio
Debt to Equity 4.54 4.62 4.87 0.78 5.08 5.89 5.94 0.80 6.70 6.41 6.32 0.82 6.86 5.83 5.15 0.76 4.38 4.39 3.91 0.72
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.74 0.77 0.79 0.64 0.26
ROE 1.32 1.38 1.43 1.12 0.44
Gross Margin 85.45 95.25 97.01 92.36 78.53
Operating Margin 102.32 127.49 111.30 67.93 49.03
EBITDA Margin 103.94 129.50 114.11 70.25 50.58
Net Profit Margin 24.37 26.20 30.95 30.68 12.72
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 1.21 0.76 0.37 1.08 0.73 0.36 1.11 0.68 0.34 1.17 0.74 0.38 0.88 0.55 0.28
ROE 6.72 4.26 2.17 6.56 5.01 2.48 8.57 5.06 2.51 9.16 5.05 2.32 4.72 2.99 1.38
Gross Margin 74.58 72.49 69.99 83.36 84.77 95.17 94.84 91.79 93.96 98.01 99.34 97.00 74.08 70.84 77.69
Operating Margin 118.99 118.03 118.61 135.89 136.88 135.95 112.26 103.36 97.33 67.24 69.22 74.29 72.89 72.29 69.64
EBITDA Margin 121.18 119.97 120.47 138.08 139.22 138.40 114.74 105.91 100.11 70.29 72.45 77.25 75.15 74.24 71.26
Net Profit Margin 34.66 31.77 31.06 32.01 32.30 31.87 31.93 30.11 30.29 33.94 35.30 37.81 32.58 31.22 29.51

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 40,321,461.00 39,489,534.00 38,788,344.00 43,864,274.00 40,049,358.00
   Deposits 57,659,394.00 56,027,555.00 53,984,801.00 59,932,682.00 50,142,049.00
      Cash and Short-Term Investments 1,174,710.00 677,194.00 502,693.00 2,566,491.00 1,571,525.00
            Cash and Cash Equivalents 1,173,510.00 675,755.00 499,784.00 2,564,109.00 1,511,253.00
            Short-Term Investments 1,200.00 1,439.00 2,909.00 2,382.00 60,272.00
      Net Receivables 143,781.00 155,416.00 11,427,634.00 10,950,489.00 11,581,249.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 196,596.00 210,511.00 142,935.00 236,736.00 261,395.00
      Real Estate 17,306.00 0 0 0 0
      Goodwill 38,611.00 38,611.00 38,611.00 103,922.00 105,364.00
      Intangible Assets 6,967.00 13,383.00 21,118.00 59,897.00 86,426.00
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 136,356.00 150,127.00 155,584.00 208,482.00 0
      Other Non-Current Assets 0 0 0 0 0
Liabilities 17,690,068.00 17,584,767.00 17,502,780.00 18,875,465.00 16,705,929.00
      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 22,631,393.00 21,904,767.00 21,285,564.00 24,988,809.00 23,343,429.00
   Shareholders Equity 5,007,708.00 4,492,827.00 3,976,620.00 6,305,301.00 6,825,537.00
      Capital Stock 22,366.00 22,366.00 22,366.00 42,549.00 80,230.00
      Share Premium 964,964.00 965,707.00 970,722.00 738,288.00 946,476.00
      Retained Earnings 2,038,812.00 1,846,112.00 1,644,209.00 1,427,295.00 1,215,321.00
      Treasury Shares 790,350.00 697,406.00 506,979.00 2,183.00 480.00
      Accumulated Other Comprehensive Income -566,556.00 -639,170.00 -804,778.00 -167,998.00 55,455.00
   Minority Interest 0 0 0 0 0
Investments 40,565,080.00 45,439,287.00 42,313,841.00 51,650,702.00 60,272.00
Debt 561,700.00 966,798.00 1,109,540.00 1,090,426.00 1,038,338.00
Net Debt 0 289,604.00 606,847.00 0 0
Common Shares Outstanding 163,868.88 169,302.81 182,709.06 201,826.51 218,235.06
Preferred Shares Outstanding 0 0 0 0 1,444.15
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 1,225,875.00 1,156,180.00 985,706.00 915,872.00 804,208.00
Cost Of Revenue 178,318.00 54,871.00 29,428.00 69,950.00 172,653.00
Interest Income 3,378,350.00 3,173,191.00 2,690,843.00 2,457,068.00 2,137,564.00
Interest Expense 863,022.00 679,128.00 201,963.00 194,337.00 277,980.00
Net Interest 3,229,916.00 3,188,440.00 3,181,172.00 2,919,716.00 2,401,288.00
Non-Interest Income 522,888.00 796,164.00 738,552.00 726,984.00 667,356.00
Non-Interest Expense 487,073.00 471,428.00 443,105.00 488,974.00 424,240.00
Provisions for Credit Losses 179,763.00 60,940.00 27,696.00 -65,698.00 170,985.00
Gross Profit 1,047,557.00 1,101,309.00 956,278.00 845,922.00 631,555.00
   Selling, General and Administrative Expenses 541,948.00 181,175.00 183,346.00 200,106.00 165,610.00
EBT 391,263.00 794,889.00 895,171.00 427,817.00 116,323.00
Income Tax 103,105.00 202,164.00 298,773.00 303,238.00 7,329.00
Net Income 298,724.00 302,864.00 305,072.00 281,025.00 102,273.00
EBIT 1,254,285.00 1,474,017.00 1,097,134.00 622,154.00 394,303.00
Deprecation and Amortization 19,927.00 23,269.00 27,670.00 21,230.00 12,482.00
EBITDA 1,274,212.00 1,497,286.00 1,124,804.00 643,384.00 406,785.00
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 164,549.00 176,504.00 190,805.00 210.12 216.90
Average Shares Outstanding Diluted 165,268.00 177,180.00 191,968.00 211.30 217.67
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 711,417.00 677,928.00 797,056.00 523,452.00 338,332.00
   Operating Net Income 896,172.00 1,211,456.00 1,220,288.00 1,124,100.00 409,092.00
   Deprecation and Amortization 19,927.00 23,269.00 27,670.00 21,230.00 12,482.00
   Deferred Income Tax 14,131.00 6,105.00 54,216.00 118,323.00 -4,371.00
   Share Based Compensation 8,849.00 7,944.00 5,555.00 5,609.00 5,348.00
   Change in Working Capital 9,899.00 469.00 38,153.00 -45,406.00 5,780.00
   Other Operating Activities -237,561.00 -571,315.00 -548,826.00 -700,404.00 -89,999.00
Investing Cash Flow 135,782.00 -78,540.00 -673,910.00 -1,062,975.00 -1,238,865.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 11,361.00 27,074.00 21,655.00 14,181.00 16,567.00
   Net Purchase/Sale of Investments Net 1,566,832.00 641,090.00 1,461,066.00 4,906,471.00 1,284,193.00
   Net Purchase/Sale of Business 0 0 0 -3,381.00 406,626.00
   Net Loan & Lease Activity 723,730.00 765,968.00 666,021.00 -517,639.00 341,940.00
   Other Investing Activities -2,166,141.00 -1,512,672.00 -2,822,652.00 -5,462,607.00 -3,288,191.00
Financing Cash Flow -349,105.00 -424,556.00 -2,187,171.00 1,592,379.00 1,744,281.00
   Net Issuance/Repayment of Debt 97,000.00 69,662.00 1,250,133.00 240,000.00 260,282.00
   Net Issuance/Repurchase of Equity 102,393.00 203,241.00 277,769.00 216,522.00 206.00
   Dividends Paid 105,581.00 99,666.00 87,824.00 134,948.00 92,184.00
   Other Financing Activities -654,079.00 -797,125.00 -3,802,897.00 1,000,909.00 1,391,609.00
Net Change in Cash 498,094.00 174,832.00 -2,064,025.00 1,049,225.00 849,734.00
   Cash at Beginning of Period 661,321.00 488,332.00 2,544,530.00 0 0
   Cash at End of Period 1,159,415.00 663,164.00 480,505.00 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 21,244,037.00 20,747,384.00 20,902,991.00 40,321,461.00 20,676,512.00 20,540,214.00 20,539,133.00 39,489,534.00 20,070,295.00 20,720,818.00 20,575,653.00 38,788,344.00 19,900,193.00 21,281,105.00 21,900,703.00 43,864,274.00 23,645,440.00 23,765,909.00 21,826,522.00 40,049,358.00
   Deposits 16,861,047.00 16,554,038.00 16,822,529.00 57,659,394.00 16,347,390.00 16,528,956.00 16,545,511.00 56,027,555.00 16,435,237.00 16,819,692.00 16,051,965.00 53,984,801.00 16,569,581.00 17,140,128.00 17,335,403.00 59,932,682.00 17,984,658.00 18,069,991.00 16,010,436.00 50,142,049.00
      Cash and Short-Term Investments 960,894.00 765,959.00 1,355,589.00 1,174,710.00 698,098.00 601,237.00 699,724.00 677,194.00 620,717.00 1,102,859.00 838,341.00 502,693.00 575,345.00 1,283,843.00 1,713,417.00 2,566,491.00 2,706,899.00 2,808,033.00 1,540,529.00 1,571,525.00
            Cash and Cash Equivalents 959,951.00 765,133.00 1,354,889.00 1,173,510.00 697,255.00 597,298.00 696,239.00 675,755.00 620,017.00 1,102,159.00 837,582.00 499,784.00 573,588.00 1,282,210.00 1,711,534.00 2,564,109.00 2,704,517.00 2,805,630.00 1,537,897.00 1,511,253.00
            Short-Term Investments 943.00 826.00 700.00 1,200.00 843.00 3,939.00 3,485.00 1,439.00 700.00 700.00 759.00 2,909.00 1,757.00 1,633.00 1,883.00 2,382.00 2,382.00 2,403.00 2,632.00 60,272.00
      Net Receivables 132,209.00 143,048.00 127,577.00 143,781.00 134,212.00 155,795.00 146,354.00 155,416.00 137,583.00 11,589,720.00 11,440,842.00 11,427,634.00 11,161,436.00 11,102,324.00 10,994,988.00 10,950,489.00 10,999,857.00 11,222,036.00 11,462,004.00 11,581,249.00
      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 126,968.00 128,425.00 130,469.00 196,596.00 136,401.00 138,554.00 141,471.00 210,511.00 144,611.00 146,640.00 137,580.00 142,935.00 143,429.00 145,395.00 145,850.00 236,736.00 245,586.00 250,021.00 253,492.00 261,395.00
      Real Estate 9,343.00 14,449.00 15,880.00 17,306.00 19,330.00 21,682.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Goodwill 38,611.00 38,611.00 38,611.00 38,611.00 38,611.00 38,611.00 38,611.00 38,611.00 38,611.00 38,611.00 38,611.00 38,611.00 38,611.00 38,611.00 38,611.00 103,922.00 87,724.00 87,724.00 87,724.00 105,364.00
      Intangible Assets 3,676.00 4,535.00 5,715.00 6,967.00 8,260.00 9,700.00 11,542.00 13,383.00 15,229.00 17,092.00 19,073.00 21,118.00 23,245.00 25,424.00 27,648.00 59,897.00 65,389.00 71,012.00 76,787.00 86,426.00
      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 146,926.00 134,772.00 134,346.00 136,356.00 137,484.00 142,725.00 147,743.00 150,127.00 150,805.00 153,925.00 154,780.00 155,584.00 166,100.00 166,999.00 176,775.00 208,482.00 243,447.00 273,869.00 306,373.00 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 17,407,947.00 17,056,474.00 17,344,307.00 17,690,068.00 17,274,742.00 17,557,294.00 17,579,699.00 17,584,767.00 17,464,159.00 17,924,820.00 17,764,467.00 17,502,780.00 17,369,527.00 18,165,273.00 18,338,499.00 18,875,465.00 19,249,510.00 19,355,999.00 17,385,672.00 16,705,929.00
      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 3,836,090.00 3,690,910.00 3,558,684.00 22,631,393.00 3,401,770.00 2,982,920.00 2,959,434.00 21,904,767.00 2,606,136.00 2,795,998.00 2,811,186.00 21,285,564.00 2,530,666.00 3,115,832.00 3,562,204.00 24,988,809.00 4,395,930.00 4,409,910.00 4,440,850.00 23,343,429.00
   Shareholders Equity 5,754,135.00 5,536,365.00 5,338,026.00 5,007,708.00 5,102,655.00 4,474,380.00 4,439,151.00 4,492,827.00 3,909,204.00 4,193,997.00 4,216,779.00 3,976,620.00 3,815,199.00 4,673,748.00 5,343,306.00 6,305,301.00 6,593,895.00 6,614,865.00 6,661,275.00 6,825,537.00
      Capital Stock 22,366.00 22,366.00 22,366.00 22,366.00 22,366.00 22,366.00 22,366.00 22,366.00 22,366.00 22,366.00 22,366.00 22,366.00 22,366.00 41,529.00 42,236.00 42,549.00 79,120.00 79,532.00 80,330.00 80,230.00
      Share Premium 961,441.00 959,629.00 957,380.00 964,964.00 962,973.00 961,254.00 959,319.00 965,707.00 963,791.00 962,229.00 959,912.00 970,722.00 969,370.00 589,175.00 687,070.00 738,288.00 799,132.00 847,412.00 945,476.00 946,476.00
      Retained Earnings 2,209,198.00 2,137,421.00 2,086,276.00 2,038,812.00 1,989,419.00 1,941,980.00 1,892,714.00 1,846,112.00 1,790,652.00 1,733,497.00 1,688,176.00 1,644,209.00 1,593,284.00 1,541,334.00 1,489,995.00 1,427,295.00 1,375,797.00 1,315,352.00 1,260,456.00 1,215,321.00
      Treasury Shares 882,504.00 832,671.00 804,185.00 790,350.00 790,252.00 790,465.00 740,447.00 697,406.00 622,378.00 547,706.00 547,311.00 506,979.00 456,994.00 3,203.00 2,496.00 2,183.00 1,716.00 1,298.00 500.00 480.00
      Accumulated Other Comprehensive Income -392,456.00 -441,290.00 -482,495.00 -566,556.00 -483,621.00 -643,675.00 -654,235.00 -639,170.00 -851,363.00 -772,387.00 -717,550.00 -804,778.00 -1,725,386.00 -1,183,512.00 -831,666.00 -167,998.00 -67,436.00 -29,956.00 -86,948.00 55,455.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 40,522,787.00 39,688,781.00 38,529,829.00 40,565,080.00 42,631,361.00 43,048,107.00 43,946,158.00 45,439,287.00 45,000,257.00 43,482,325.00 44,843,948.00 42,313,841.00 42,884,392.00 46,098,309.00 48,809,813.00 51,650,702.00 2,382.00 2,403.00 2,632.00 60,272.00
Debt 290,000.00 320,000.00 331,143.00 561,700.00 784,676.00 1,127,892.00 967,198.00 966,798.00 965,898.00 972,766.00 1,109,414.00 1,109,540.00 1,098,570.00 1,085,292.00 1,096,444.00 1,090,426.00 1,217,302.00 1,216,200.00 1,209,972.00 1,038,338.00
Net Debt 0 0 0 0 86,578.00 526,655.00 267,474.00 289,604.00 345,181.00 0 271,073.00 606,847.00 523,225.00 0 0 0 0 0 0 0
Common Shares Outstanding 159,134.90 161,507.80 163,104.18 163,868.88 163,875.81 163,865.45 166,707.05 169,302.81 174,386.33 179,756.62 179,788.70 182,709.06 186,257.66 191,626.34 198,700.87 201,826.51 206,495.90 210,649.41 218,628.86 218,235.06
Preferred Shares Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1,444.15 1,444.15 1,444.15 1,444.15
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 743,650.00 494,940.00 248,131.00 -163,532.00 696,735.00 462,169.00 230,503.00 -246,225.00 699,513.00 469,489.00 233,403.00 -361,597.00 683,212.00 445,609.00 218,482.00 -349,814.00 636,577.00 421,888.00 207,221.00
Cost Of Revenue 189,004.00 136,146.00 74,466.00 -19,123.00 115,928.00 70,377.00 11,136.00 -33,889.00 36,099.00 38,553.00 14,108.00 6,280.00 13,626.00 2,960.00 6,562.00 -264,339.00 165,005.00 123,043.00 46,241.00
Interest Income 2,588,175.00 1,713,200.00 854,817.00 -1,637,157.00 2,516,027.00 1,669,780.00 829,700.00 -1,470,527.00 2,352,089.00 1,537,278.00 754,351.00 -1,158,705.00 1,963,546.00 1,269,189.00 616,813.00 -1,206,761.00 1,843,482.00 1,221,698.00 598,649.00
Interest Expense 575,478.00 380,997.00 194,004.00 -438,378.00 651,639.00 433,806.00 215,955.00 -199,836.00 472,731.00 281,700.00 124,533.00 -27,060.00 118,326.00 74,007.00 36,690.00 -117,399.00 151,446.00 105,159.00 55,131.00
Net Interest 2,584,688.00 1,713,024.00 849,588.00 -1,533,604.00 2,392,848.00 1,584,592.00 786,080.00 -1,619,612.00 2,401,712.00 1,602,800.00 803,540.00 -1,447,444.00 2,358,880.00 1,527,240.00 742,496.00 -1,412,700.00 2,183,164.00 1,444,192.00 705,060.00
Non-Interest Income 389,912.00 266,736.00 142,936.00 -339,186.00 394,092.00 264,084.00 203,898.00 -406,188.00 594,510.00 412,734.00 195,108.00 -402,342.00 560,952.00 382,794.00 197,148.00 -368,508.00 544,716.00 365,040.00 185,736.00
Non-Interest Expense 371,253.00 246,359.00 123,022.00 -235,995.00 362,540.00 239,605.00 120,923.00 -216,848.00 344,823.00 228,185.00 115,268.00 -208,713.00 330,174.00 214,985.00 106,659.00 -285,309.00 377,509.00 263,473.00 133,301.00
Provisions for Credit Losses 188,970.00 136,191.00 74,430.00 -20,771.00 117,051.00 71,316.00 12,167.00 -34,422.00 42,128.00 37,732.00 15,502.00 33,313.00 11,984.00 -3,799.00 -13,802.00 264,746.00 -160,467.00 -124,221.00 -45,756.00
Gross Profit 554,646.00 358,794.00 173,665.00 -144,409.00 580,807.00 391,792.00 219,367.00 -212,336.00 663,414.00 430,936.00 219,295.00 -367,877.00 669,586.00 442,649.00 211,920.00 -85,475.00 471,572.00 298,845.00 160,980.00
   Selling, General and Administrative Expenses 398,094.00 263,608.00 132,061.00 267,040.00 138,348.00 91,435.00 45,125.00 -85,409.00 133,684.00 88,438.00 44,462.00 -83,839.00 135,711.00 87,862.00 43,612.00 -112,510.00 153,380.00 105,662.00 53,574.00
EBT 309,407.00 203,184.00 100,299.00 -200,120.00 295,178.00 198,792.00 97,413.00 176,122.00 312,562.00 203,572.00 102,633.00 194,069.00 341,054.00 234,423.00 125,625.00 -173,734.00 312,557.00 199,822.00 89,172.00
Income Tax 36,051.00 45,946.00 23,241.00 -190,310.00 144,311.00 98,993.00 50,111.00 -183,363.00 187,780.00 130,299.00 67,448.00 -167,084.00 220,946.00 156,155.00 88,756.00 -112,737.00 217,186.00 140,516.00 58,273.00
Net Income 257,765.00 157,239.00 77,059.00 -147,053.00 223,023.00 149,296.00 73,458.00 -132,562.00 223,375.00 141,353.00 70,698.00 -166,721.00 231,898.00 157,295.00 82,600.00 -119,219.00 207,386.00 131,708.00 61,150.00
EBIT 884,885.00 584,181.00 294,303.00 -638,498.00 946,817.00 632,598.00 313,368.00 -23,714.00 785,293.00 485,272.00 227,166.00 167,009.00 459,380.00 308,430.00 162,315.00 -291,133.00 464,003.00 304,981.00 144,303.00
Deprecation and Amortization 16,274.00 9,611.00 4,632.00 -11,766.00 15,231.00 10,815.00 5,647.00 -12,533.00 17,327.00 11,980.00 6,495.00 -14,061.00 20,851.00 14,412.00 6,468.00 -4,757.00 14,390.00 8,232.00 3,365.00
EBITDA 901,159.00 593,792.00 298,935.00 -650,264.00 962,048.00 643,413.00 319,015.00 -36,247.00 802,620.00 497,252.00 233,661.00 152,948.00 480,231.00 322,842.00 168,783.00 -295,890.00 478,393.00 313,213.00 147,668.00
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 161,023.00 161,903.00 162,934.00 159,970.00 165,041.00 166,043.00 167,142.00 167,748.00 178,486.00 179,567.00 180,215.00 373,547.87 193,217.00 196,257.00 198.13 195.75 212.41 215.29 217.03
Average Shares Outstanding Diluted 161,770.00 162,625.00 163,749.00 160,874.00 165,730.00 166,670.00 167,798.00 168,087.00 179,144.00 180,253.00 181,236.00 375,863.46 194,368.00 197,441.00 199.54 196.97 213.52 216.43 218.28
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 341,295.00 203,666.00 108,219.00 96,433.00 307,349.00 189,389.00 118,246.00 112,334.00 283,723.00 166,456.00 115,415.00 127,862.00 334,752.00 219,608.00 114,834.00 -117,307.00 303,555.00 224,526.00 112,678.00
   Operating Net Income 773,295.00 471,717.00 231,177.00 -886,936.00 892,092.00 597,184.00 293,832.00 -530,248.00 893,500.00 565,412.00 282,792.00 -666,884.00 927,592.00 629,180.00 330,400.00 -476,876.00 829,544.00 526,832.00 244,600.00
   Deprecation and Amortization 16,274.00 9,611.00 4,632.00 -11,766.00 15,231.00 10,815.00 5,647.00 -12,533.00 17,327.00 11,980.00 6,495.00 -14,061.00 20,851.00 14,412.00 6,468.00 -4,757.00 14,390.00 8,232.00 3,365.00
   Deferred Income Tax -10,570.00 1,584.00 2,010.00 -8,298.00 12,643.00 7,402.00 2,384.00 -3,417.00 5,539.00 2,419.00 1,564.00 -61,356.00 42,382.00 41,483.00 31,707.00 -46,239.00 85,969.00 55,549.00 23,044.00
   Share Based Compensation 7,987.00 5,878.00 3,739.00 -5,712.00 6,789.00 4,847.00 2,925.00 -4,026.00 5,898.00 3,997.00 2,075.00 -2,201.00 3,994.00 2,580.00 1,182.00 -2,660.00 4,100.00 2,754.00 1,415.00
   Change in Working Capital -7,563.00 4,069.00 -22,155.00 -16,659.00 10,377.00 -1,274.00 17,455.00 53,932.00 -35,703.00 -22,221.00 4,461.00 14,264.00 11,882.00 18,184.00 -6,177.00 59,183.00 -47,397.00 -28,268.00 -28,924.00
   Other Operating Activities -438,128.00 -289,193.00 -111,184.00 1,025,804.00 -629,783.00 -429,585.00 -203,997.00 608,626.00 -602,838.00 -395,131.00 -181,972.00 858,100.00 -671,949.00 -486,231.00 -248,746.00 354,042.00 -583,051.00 -340,573.00 -130,822.00
Investing Cash Flow -96,536.00 25,330.00 393,554.00 -129,033.00 213,792.00 11,346.00 39,677.00 -171,637.00 17,531.00 25,031.00 50,535.00 724,958.00 -508,184.00 -557,692.00 -332,992.00 2,622,722.00 -1,482,595.00 -1,435,009.00 -768,093.00
   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 6,955.00 4,093.00 1,485.00 -10,937.00 9,704.00 7,174.00 5,420.00 -11,928.00 20,516.00 16,789.00 1,697.00 -14,694.00 16,580.00 12,979.00 6,790.00 -9,344.00 11,590.00 8,372.00 3,563.00
   Net Purchase/Sale of Investments Net 2,102,867.00 995,958.00 372,215.00 455,597.00 606,762.00 332,694.00 171,779.00 -192,123.00 479,805.00 233,038.00 120,370.00 -1,714,287.00 1,341,033.00 1,128,196.00 706,124.00 2,353,839.00 1,162,072.00 859,322.00 531,238.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -13,527.00 3,382.00 3,382.00 3,382.00
   Net Loan & Lease Activity 723,730.00 765,968.00 666,021.00 -517,639.00 341,940.00
   Other Investing Activities -2,607,366.00 -1,171,360.00 50,042.00 -429,644.00 -786,334.00 -646,361.00 -303,802.00 86,249.00 -974,651.00 -454,693.00 -169,577.00 2,409,516.00 -2,213,252.00 -1,923,334.00 -1,095,582.00 -85,383.00 -2,170,722.00 -1,985,167.00 -1,221,335.00
Financing Cash Flow -504,604.00 -651,701.00 -332,913.00 564,014.00 -498,934.00 -277,617.00 -136,568.00 -780,398.00 -196,846.00 375,542.00 177,146.00 1,197,567.00 -1,814,636.00 -941,451.00 -628,651.00 -3,936,166.00 2,343,380.00 2,505,419.00 679,746.00
   Net Issuance/Repayment of Debt 269,850.00 239,850.00 229,040.00 48,500.00 48,500.00 0 0 -191,445.00 69,662.00 -156,404.00 347,849.00 750,133.00 300,000.00 100,000.00 100,000.00 0.00 120,000.00 120,000.00 0
   Net Issuance/Repurchase of Equity 103,664.00 53,534.00 24,872.00 -153,929.00 102,369.00 101,599.00 52,354.00 -30,111.00 126,918.00 53,217.00 53,217.00 -154,913.00 227,256.00 152,713.00 52,713.00 -39,757.00 152,100.00 101,804.00 2,375.00
   Dividends Paid 87,502.00 59,019.00 29,316.00 -54,029.00 79,509.00 53,472.00 26,629.00 -52,449.00 75,825.00 51,158.00 25,132.00 -40,990.00 65,766.00 43,321.00 19,727.00 40,706.00 46,739.00 31,650.00 15,853.00
   Other Financing Activities -965,620.00 -1,004,104.00 -616,141.00 723,472.00 -729,312.00 -432,688.00 -215,551.00 -506,393.00 -469,251.00 427,571.00 -249,052.00 643,337.00 -2,407,658.00 -1,237,485.00 -801,091.00 -3,937,115.00 2,024,541.00 2,251,965.00 661,518.00
Net Change in Cash -259,845.00 -422,705.00 168,860.00 531,414.00 22,207.00 -76,882.00 21,355.00 -839,701.00 104,408.00 567,029.00 343,096.00 2,050,387.00 -1,988,068.00 -1,279,535.00 -846,809.00 -1,434,382.00 1,164,340.00 1,294,936.00 24,331.00
   Cash at Beginning of Period 1,159,415.00 1,159,415.00 1,159,415.00 628,001.00 663,164.00 663,164.00 663,164.00 1,502,865.00 480,505.00 480,505.00 480,505.00 -1,569,882.00 2,543,058.00 2,543,058.00 0 0.00 0 0 0
   Cash at End of Period 899,570.00 736,710.00 1,328,275.00 1,159,415.00 685,371.00 586,282.00 684,519.00 663,164.00 584,913.00 1,047,534.00 823,601.00 480,505.00 554,990.00 1,263,523.00 0 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