FCF
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 12.09 | 9.96 | 10.20 | 11.10 | |
| Price to Sales | |||||
| Book Value Per Common Share | 41.43 | 38.61 | 33.80 | 35.32 | 33.35 |
| Price to Book | 0.41 | 0.40 | 0.41 | 0.46 | |
| Price to Operating Cash Flow | 9.43 | 7.98 | 5.51 | 7.09 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 42514.24 | 45236.13 | 68662.53 | 76440.06 |
| 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 | 16.39 | 25.36 | 48.56 | 16.33 | 18.92 | 37.62 | 11.00 | 17.57 | 41.43 | 12.97 | 21.65 | 52.28 | 12.62 | 19.54 | 35.05 | |||||
| Price to Sales | ||||||||||||||||||||
| Book Value Per Common Share | 14.78 | 14.47 | 14.20 | 41.43 | 13.79 | 13.32 | 13.03 | 38.61 | 12.14 | 12.03 | 11.87 | 33.80 | 10.95 | 11.20 | 11.32 | 35.32 | 11.69 | 11.50 | 11.30 | 33.35 |
| Price to Book | 1.15 | 1.12 | 1.09 | 0.41 | 1.24 | 1.04 | 1.07 | 0.40 | 1.01 | 1.05 | 1.05 | 0.41 | 1.17 | 1.20 | 1.34 | 0.46 | 1.17 | 1.22 | 1.27 | |
| Price to Operating Cash Flow | 12.96 | 19.30 | 28.24 | 15.09 | 22.60 | 35.81 | 11.60 | 14.81 | 32.06 | 11.08 | 20.91 | 45.72 | 10.94 | 18.43 | 26.94 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 60162.12 | 89488.09 | 167176.60 | 57824.29 | 69365.59 | 141159.51 | 52339.48 | 88532.41 | 215092.95 | 91528.39 | 151476.56 | 362294.80 | 88701.40 | 137459.68 | 248386.32 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -9.68 | 13.14 | -5.52 | 93.33 | |
| Revenue YoY | |||||
| EBITDA YoY | 16.18 | 83.47 | -4.20 | 50.02 | |
| Net Profit YoY | -9.23 | 22.53 | -7.29 | 88.24 |
| 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 | 62.50 | 100.00 | 43.84 | 97.30 | 54.17 | 140.00 | 59.68 | 113.79 | 50.00 | 75.61 | ||||||||||
| Revenue YoY | ||||||||||||||||||||
| EBITDA YoY | 55.32 | 100.85 | 48.87 | 101.88 | 62.86 | 145.48 | 57.80 | 110.40 | 48.57 | 76.85 | ||||||||||
| Net Profit YoY | 62.53 | 102.16 | 42.99 | 98.77 | 53.74 | 141.55 | 58.08 | 110.92 | 49.13 | 74.48 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 4.32 | 4.84 | 6.60 | 16.56 | 14.65 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 3.51 | 3.73 | 4.01 | 3.68 | 3.59 |
| 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 | 6.26 | 6.24 | 5.57 | 5.24 | 22.83 | 7.38 | 12.17 | 5.82 | 13.29 | 17.77 | 15.90 | 6.62 | 7.71 | 12.75 | 22.31 | 16.80 | 13.96 | 11.85 | 21.02 | 14.86 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 6.98 | 7.06 | 7.15 | 3.51 | 7.50 | 7.53 | 7.77 | 3.73 | 8.21 | 8.18 | 8.07 | 4.01 | 8.37 | 8.08 | 8.03 | 3.68 | 7.52 | 7.50 | 7.66 | 3.59 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.09 | 1.22 | 1.17 | 1.29 | 0.72 |
| ROE | 4.92 | 5.78 | 5.87 | 6.02 | 3.30 |
| 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 | 0.87 | 0.54 | 0.28 | 0.89 | 0.64 | 0.32 | 0.98 | 0.65 | 0.27 | 0.97 | 0.61 | 0.29 | 1.09 | 0.74 | 0.42 | |||||
| ROE | 6.97 | 4.36 | 2.26 | 7.57 | 5.48 | 2.82 | 9.05 | 5.92 | 2.47 | 9.04 | 5.57 | 2.60 | 9.30 | 6.27 | 3.66 | |||||
| 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 | 13,080,044.00 | 12,861,584.00 | 10,937,119.00 | 10,731,087.00 | 10,227,684.00 |
| Deposits | 48,378,773.00 | 45,952,237.00 | 40,000,431.00 | 39,907,696.00 | 37,197,810.00 |
| Cash and Short-Term Investments | 533,636.00 | 594,172.00 | 618,176.00 | 1,582,688.00 | 1,428,024.00 |
| Cash and Cash Equivalents | 533,636.00 | 587,972.00 | 616,976.00 | 1,581,488.00 | 1,426,324.00 |
| Short-Term Investments | 0 | 6,200.00 | 1,200.00 | 1,200.00 | 1,700.00 |
| Net Receivables | 163,434,733.00 | 29,820.00 | 11,869.00 | 18,583.00 | 33,449.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 159,463.00 | 168,857.00 | 158,951.00 | 164,569.00 | 171,610.00 |
| Real Estate | 895.00 | 422.00 | 534.00 | 642.00 | 1,215.00 |
| Goodwill | 363,715.00 | 363,715.00 | 303,328.00 | 303,328.00 | 303,328.00 |
| Intangible Assets | 19,637.00 | 22,820.00 | 9,205.00 | 11,188.00 | 13,492.00 |
| Long-Term Investments | 34,761.00 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 10,179,771.00 | 10,145,214.00 | 8,753,592.00 | 8,435,721.00 | 7,999,487.00 |
| 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 | 1,051,829.00 | 3,580,680.00 | 2,217,046.00 | 826,206.00 | 834,664.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 262,985.00 | 186,757.00 | 181,224.00 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 2,900,273.00 | 2,716,370.00 | 2,183,527.00 | 2,295,366.00 | 2,228,197.00 |
| Shareholders Equity | 4,215,495.00 | 3,942,822.00 | 3,156,222.00 | 3,328,116.00 | 3,205,851.00 |
| Capital Stock | 123,603.00 | 123,603.00 | 113,915.00 | 113,915.00 | 113,915.00 |
| Share Premium | 631,367.00 | 630,154.00 | 497,431.00 | 496,121.00 | 494,683.00 |
| Retained Earnings | 971,082.00 | 881,112.00 | 774,863.00 | 691,260.00 | 596,614.00 |
| Treasury Shares | 218,373.00 | 208,839.00 | 196,443.00 | 183,156.00 | 153,828.00 |
| Accumulated Other Comprehensive Income | -205,028.00 | -223,512.00 | -275,384.00 | -17,536.00 | 17,233.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 168,301,965.00 | 13,047,222.00 | 10,660,640.00 | 3,739,430.00 | 2,539,722.00 |
| Debt | 2,547,892.00 | 4,718,420.00 | 3,337,476.00 | 1,966,323.00 | 2,211,530.00 |
| Net Debt | 2,014,256.00 | 4,124,248.00 | 2,719,300.00 | 383,635.00 | 783,506.00 |
| Common Shares Outstanding | 101,758.45 | 102,114.66 | 93,376.31 | 94,233.15 | 96,130.75 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 29,170.00 | 0 | 21,106.00 | 1,376.00 | 56,718.00 |
| Interest Income | 600,705.00 | 530,232.00 | 330,031.00 | 293,842.00 | 301,217.00 |
| Interest Expense | 221,571.00 | 147,978.00 | 20,977.00 | 18,502.00 | 36,167.00 |
| Net Interest | 378,892.00 | 385,676.00 | 312,221.00 | 278,541.00 | 268,271.00 |
| Non-Interest Income | 99,231.00 | 96,609.00 | 98,708.00 | 106,757.00 | 94,476.00 |
| Non-Interest Expense | 270,745.00 | 269,917.00 | 229,638.00 | 213,857.00 | 215,826.00 |
| Provisions for Credit Losses | 0 | 0 | 21,106.00 | -1,376.00 | 56,718.00 |
| Selling, General and Administrative Expenses | 46,433.00 | 45,863.00 | 41,884.00 | 38,443.00 | 36,755.00 |
| EBT | 178,208.00 | 197,555.00 | 160,185.00 | 172,817.00 | 90,203.00 |
| Income Tax | 33,618.00 | 38,405.00 | 30,379.00 | 32,914.00 | 15,108.00 |
| Net Income | 142,572.00 | 157,063.00 | 128,181.00 | 138,257.00 | 73,447.00 |
| EBIT | 399,779.00 | 345,533.00 | 181,162.00 | 191,319.00 | 126,370.00 |
| Deprecation and Amortization | 5,251.00 | 3,096.00 | 8,860.00 | 7,039.00 | 5,853.00 |
| EBITDA | 405,030.00 | 348,629.00 | 190,022.00 | 198,358.00 | 132,223.00 |
| 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 | 123,603.38 | 122,780.52 | 93,612.04 | 95,583.89 | 97,499.59 |
| Average Shares Outstanding Diluted | 102,205.50 | 101,822.20 | 93,887.45 | 95,840.29 | 97,758.96 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 221,898.00 | 237,640.00 | 237,540.00 | 217,057.00 | 180,921.00 |
| Operating Net Income | 427,716.00 | 471,189.00 | 384,543.00 | 414,771.00 | 220,341.00 |
| Deprecation and Amortization | 5,251.00 | 3,096.00 | 8,860.00 | 7,039.00 | 5,853.00 |
| Deferred Income Tax | 3,414.00 | 6,843.00 | -2,011.00 | 1,432.00 | -8,217.00 |
| Share Based Compensation | 0 | 0 | 0 | 0 | 0 |
| Change in Working Capital | -3,677.00 | 414.00 | -11,956.00 | 25,071.00 | -16,085.00 |
| Other Operating Activities | -210,806.00 | -243,902.00 | -141,896.00 | -231,256.00 | -20,971.00 |
| Investing Cash Flow | -122,344.00 | -573,192.00 | -588,938.00 | -565,404.00 | -483,157.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 22,930.00 | 26,361.00 | 19,816.00 | 18,437.00 | 13,146.00 |
| Net Purchase/Sale of Investments Net | 869,224.00 | 512,479.00 | 225,402.00 | 916,872.00 | 676,866.00 |
| Net Purchase/Sale of Business | 0 | -14,492.00 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 136,877.00 | 552,376.00 | 871,578.00 | 161,667.00 | 622,504.00 |
| Other Investing Activities | -1,151,375.00 | -1,649,916.00 | -1,705,734.00 | -1,662,380.00 | -1,795,673.00 |
| Financing Cash Flow | -86,352.00 | 350,729.00 | 136,316.00 | 364,360.00 | 548,499.00 |
| Net Issuance/Repayment of Debt | -389,360.00 | 53,678.00 | 235,587.00 | 71,627.00 | -83,821.00 |
| Net Issuance/Repurchase of Equity | 25,668.00 | 30,420.00 | 31,686.00 | 63,046.00 | 42,254.00 |
| Dividends Paid | 52,602.00 | 50,814.00 | 44,578.00 | 43,611.00 | 42,982.00 |
| Other Financing Activities | 224,738.00 | 215,817.00 | -175,535.00 | 186,076.00 | 547,084.00 |
| Net Change in Cash | 13,202.00 | 15,177.00 | -215,082.00 | 38,791.00 | 234,725.00 |
| Cash at Beginning of Period | 120,207.00 | 131,816.00 | 369,326.00 | 356,581.00 | 121,856.00 |
| Cash at End of Period | 133,409.00 | 146,993.00 | 154,244.00 | 395,372.00 | 356,581.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 12,310,376.00 | 12,237,147.00 | 11,786,398.00 | 13,080,044.00 | 11,983,199.00 | 11,626,873.00 | 11,694,408.00 | 12,861,584.00 | 11,421,988.00 | 11,318,604.00 | 11,113,752.00 | 10,937,119.00 | 9,578,630.00 | 9,526,427.00 | 9,642,124.00 | 10,731,087.00 | 9,477,854.00 | 9,402,402.00 | 9,416,989.00 | 10,227,684.00 |
| Deposits | 51,249,086.00 | 50,514,878.00 | 49,300,301.00 | 48,378,773.00 | 48,726,844.00 | 47,030,877.00 | 47,220,101.00 | 45,952,237.00 | 46,177,647.00 | 45,699,706.00 | 46,151,808.00 | 40,000,431.00 | 40,363,151.00 | 40,249,541.00 | 40,844,475.00 | 39,907,696.00 | 39,681,521.00 | 39,425,137.00 | 39,347,228.00 | 37,197,810.00 |
| Cash and Short-Term Investments | 645,644.00 | 640,664.00 | 565,432.00 | 533,636.00 | 2,329,236.00 | 753,172.00 | 1,241,468.00 | 594,172.00 | 1,348,280.00 | 1,795,476.00 | 1,583,208.00 | 618,176.00 | 723,088.00 | 1,199,200.00 | 2,099,220.00 | 1,582,688.00 | 1,338,696.00 | 1,137,812.00 | 2,018,536.00 | 1,428,024.00 |
| Cash and Cash Equivalents | 645,644.00 | 640,664.00 | 565,432.00 | 533,636.00 | 2,329,236.00 | 753,172.00 | 1,241,468.00 | 587,972.00 | 1,348,280.00 | 1,795,476.00 | 1,583,208.00 | 616,976.00 | 723,088.00 | 1,199,200.00 | 2,099,220.00 | 1,581,488.00 | 1,338,696.00 | 1,137,812.00 | 2,018,536.00 | 1,426,324.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6,200.00 | 0 | 0 | 0 | 1,200.00 | 0 | 0 | 0 | 1,200.00 | 0 | 0 | 0 | 1,700.00 |
| Net Receivables | 176,497,758.00 | 174,343,603.00 | 165,432,902.00 | 163,434,733.00 | 8,965,500.00 | 8,994,890.00 | 8,999,870.00 | 29,820.00 | 8,901,725.00 | 8,799,836.00 | 8,656,945.00 | 11,869.00 | 7,348,917.00 | 7,119,754.00 | 6,952,112.00 | 18,583.00 | 6,732,580.00 | 6,740,535.00 | 96,763.00 | 33,449.00 |
| 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 | 155,651.00 | 156,892.00 | 153,926.00 | 159,463.00 | 157,734.00 | 161,545.00 | 160,778.00 | 168,857.00 | 168,923.00 | 170,904.00 | 182,387.00 | 158,951.00 | 161,864.00 | 163,478.00 | 162,390.00 | 164,569.00 | 158,124.00 | 158,046.00 | 163,399.00 | 171,610.00 |
| Real Estate | 853.00 | 1,049.00 | 1,270.00 | 895.00 | 669.00 | 484.00 | 368.00 | 422.00 | 765.00 | 324.00 | 424.00 | 534.00 | 322.00 | 93.00 | 667.00 | 642.00 | 502.00 | 394.00 | 916.00 | 1,215.00 |
| Goodwill | 378,214.00 | 378,654.00 | 363,715.00 | 363,715.00 | 363,715.00 | 363,715.00 | 363,715.00 | 363,715.00 | 363,715.00 | 363,715.00 | 360,414.00 | 303,328.00 | 303,328.00 | 303,328.00 | 303,328.00 | 303,328.00 | 303,328.00 | 303,328.00 | 303,328.00 | 303,328.00 |
| Intangible Assets | 22,637.00 | 23,904.00 | 18,799.00 | 19,637.00 | 20,457.00 | 21,139.00 | 22,030.00 | 22,820.00 | 23,613.00 | 24,736.00 | 25,584.00 | 9,205.00 | 9,622.00 | 10,121.00 | 10,738.00 | 11,188.00 | 11,764.00 | 12,169.00 | 12,820.00 | 13,492.00 |
| Long-Term Investments | 479,915.00 | 498,043.00 | 519,029.00 | 34,761.00 | 430,425.00 | 453,820.00 | 464,708.00 | 0 | 429,558.00 | 439,922.00 | 451,278.00 | 0 | 474,790.00 | 492,229.00 | 512,911.00 | 0 | 548,057.00 | 554,225.00 | 407,833.00 | 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 | 10,768,539.00 | 10,719,380.00 | 10,339,347.00 | 10,179,771.00 | 10,573,583.00 | 10,264,368.00 | 10,361,688.00 | 10,145,214.00 | 10,181,457.00 | 10,086,185.00 | 9,888,738.00 | 8,753,592.00 | 8,556,055.00 | 8,477,269.00 | 8,574,505.00 | 8,435,721.00 | 8,364,999.00 | 8,295,983.00 | 8,329,509.00 | 7,999,487.00 |
| 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 | 598,216.00 | 901,616.00 | 307,800.00 | 1,051,829.00 | 2,152,792.00 | 2,141,924.00 | 2,173,616.00 | 3,580,680.00 | 2,167,496.00 | 2,157,428.00 | 1,103,158.00 | 2,217,046.00 | 367,492.00 | 338,598.00 | 377,902.00 | 826,206.00 | 470,712.00 | 428,588.00 | 442,416.00 | 834,664.00 |
| 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 | 262,057.00 | 262,369.00 | 262,679.00 | 262,985.00 | 136,285.00 | 136,581.00 | 186,490.00 | 186,757.00 | 187,017.00 | 187,276.00 | 187,531.00 | 181,224.00 | 181,489.00 | 181,752.00 | 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 | 1,541,837.00 | 1,517,767.00 | 1,447,051.00 | 2,900,273.00 | 1,409,616.00 | 1,362,505.00 | 1,332,720.00 | 2,716,370.00 | 1,240,531.00 | 1,232,419.00 | 1,225,014.00 | 2,183,527.00 | 1,022,575.00 | 1,049,158.00 | 1,067,619.00 | 2,295,366.00 | 1,112,855.00 | 1,106,419.00 | 1,087,480.00 | 2,228,197.00 |
| Shareholders Equity | 1,541,837.00 | 1,517,767.00 | 1,447,051.00 | 4,215,495.00 | 1,409,616.00 | 1,362,505.00 | 1,332,720.00 | 3,942,822.00 | 1,240,531.00 | 1,232,419.00 | 1,225,014.00 | 3,156,222.00 | 1,022,575.00 | 1,049,158.00 | 1,067,619.00 | 3,328,116.00 | 1,112,855.00 | 1,106,419.00 | 1,087,480.00 | 3,205,851.00 |
| Capital Stock | 126,600.00 | 126,600.00 | 123,603.00 | 123,603.00 | 123,603.00 | 123,603.00 | 123,603.00 | 123,603.00 | 123,603.00 | 123,603.00 | 123,603.00 | 113,915.00 | 113,915.00 | 113,915.00 | 113,915.00 | 113,915.00 | 113,915.00 | 113,915.00 | 113,915.00 | 113,915.00 |
| Share Premium | 676,077.00 | 676,077.00 | 632,957.00 | 631,367.00 | 631,408.00 | 630,910.00 | 630,837.00 | 630,154.00 | 630,246.00 | 630,246.00 | 630,196.00 | 497,431.00 | 497,431.00 | 497,431.00 | 496,627.00 | 496,121.00 | 495,929.00 | 495,899.00 | 495,720.00 | 494,683.00 |
| Retained Earnings | 1,037,022.00 | 1,009,790.00 | 990,540.00 | 971,082.00 | 948,464.00 | 929,686.00 | 905,897.00 | 881,112.00 | 849,049.00 | 822,619.00 | 792,720.00 | 774,863.00 | 750,335.00 | 727,573.00 | 708,149.00 | 691,260.00 | 667,422.00 | 644,362.00 | 625,806.00 | 596,614.00 |
| Treasury Shares | 228,645.00 | 218,550.00 | 218,875.00 | 218,373.00 | 210,773.00 | 208,278.00 | 208,520.00 | 208,839.00 | 208,313.00 | 205,498.00 | 196,935.00 | 196,443.00 | 196,817.00 | 192,736.00 | 182,912.00 | 183,156.00 | 167,927.00 | 154,872.00 | 154,159.00 | 153,828.00 |
| Accumulated Other Comprehensive Income | -138,434.00 | -152,300.00 | -162,348.00 | -205,028.00 | -166,172.00 | -226,832.00 | -238,194.00 | -223,512.00 | -308,108.00 | -277,102.00 | -249,140.00 | -275,384.00 | -284,578.00 | -194,050.00 | -136,320.00 | -17,536.00 | 10,548.00 | 21,345.00 | 18,594.00 | 17,233.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 174,542,381.00 | 172,882,609.00 | 164,755,391.00 | 168,301,965.00 | 8,469,685.00 | 8,002,061.00 | 7,685,659.00 | 13,047,222.00 | 6,359,571.00 | 5,803,146.00 | 5,849,956.00 | 10,660,640.00 | 6,025,560.00 | 6,596,386.00 | 578,621.00 | 3,739,430.00 | 611,652.00 | 611,860.00 | 475,058.00 | 2,539,722.00 |
| Debt | 2,020,642.00 | 2,321,910.00 | 1,727,294.00 | 2,547,892.00 | 2,929,503.00 | 2,913,777.00 | 3,240,745.00 | 4,718,420.00 | 3,223,070.00 | 3,215,839.00 | 2,176,003.00 | 3,337,476.00 | 1,419,230.00 | 1,404,314.00 | 1,430,791.00 | 1,966,323.00 | 1,540,051.00 | 1,498,311.00 | 1,759,355.00 | 2,211,530.00 |
| Net Debt | 1,374,998.00 | 1,681,246.00 | 1,161,862.00 | 2,014,256.00 | 600,267.00 | 2,160,605.00 | 1,999,277.00 | 4,124,248.00 | 1,874,790.00 | 1,420,363.00 | 592,795.00 | 2,719,300.00 | 696,142.00 | 205,114.00 | 0 | 383,635.00 | 201,355.00 | 360,499.00 | 0 | 783,506.00 |
| Common Shares Outstanding | 104,293.30 | 104,925.59 | 101,927.22 | 101,758.45 | 102,237.94 | 102,297.85 | 102,303.97 | 102,114.66 | 102,184.65 | 102,444.91 | 103,193.13 | 93,376.31 | 93,377.06 | 93,705.12 | 94,299.04 | 94,233.15 | 95,209.68 | 96,201.63 | 96,248.48 | 96,130.75 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cost Of Revenue | 0 | 0 | 0 | 29,170.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 21,106.00 | 0 | 0 | 0 | 1,376.00 | 0 | 0 | 0 |
| Interest Income | 468,763.00 | 306,054.00 | 147,128.00 | -291,368.00 | 450,467.00 | 296,144.00 | 145,462.00 | -215,954.00 | 385,741.00 | 245,856.00 | 114,589.00 | -122,857.00 | 233,672.00 | 147,972.00 | 71,244.00 | -146,639.00 | 220,308.00 | 146,112.00 | 74,061.00 |
| Interest Expense | 155,877.00 | 104,291.00 | 51,606.00 | -107,091.00 | 166,656.00 | 108,848.00 | 53,158.00 | -21,729.00 | 95,802.00 | 53,674.00 | 20,231.00 | 2,289.00 | 9,478.00 | 6,138.00 | 3,072.00 | -6,609.00 | 12,021.00 | 8,471.00 | 4,619.00 |
| Net Interest | 312,886.00 | 201,763.00 | 95,522.00 | -184,519.00 | 283,811.00 | 187,296.00 | 92,304.00 | -190,803.00 | 289,939.00 | 192,182.00 | 94,358.00 | -121,979.00 | 224,194.00 | 141,834.00 | 68,172.00 | -136,829.00 | 208,287.00 | 137,641.00 | 69,442.00 |
| Non-Interest Income | 72,108.00 | 47,251.00 | 22,502.00 | -47,851.00 | 73,896.00 | 49,198.00 | 23,988.00 | -46,152.00 | 72,312.00 | 47,486.00 | 22,963.00 | -48,152.00 | 74,399.00 | 48,485.00 | 23,976.00 | -54,725.00 | 80,686.00 | 53,441.00 | 27,355.00 |
| Non-Interest Expense | 220,352.00 | 147,518.00 | 71,250.00 | -127,640.00 | 201,441.00 | 131,371.00 | 65,573.00 | -143,525.00 | 204,737.00 | 137,324.00 | 71,381.00 | -108,793.00 | 171,304.00 | 111,403.00 | 55,724.00 | -99,832.00 | 158,429.00 | 103,401.00 | 51,859.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 21,106.00 | 0 | 0 | 0 | -1,376.00 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 42,033.00 | 27,552.00 | 13,875.00 | -29,545.00 | 38,164.00 | 24,893.00 | 12,921.00 | -30,871.00 | 38,649.00 | 25,157.00 | 12,928.00 | -27,166.00 | 35,012.00 | 22,611.00 | 11,427.00 | -26,178.00 | 32,380.00 | 21,509.00 | 10,732.00 |
| EBT | 134,922.00 | 83,103.00 | 41,038.00 | -94,917.00 | 133,586.00 | 93,058.00 | 46,481.00 | -72,769.00 | 140,836.00 | 91,551.00 | 37,937.00 | -62,431.00 | 115,303.00 | 72,853.00 | 34,460.00 | -92,360.00 | 129,191.00 | 86,658.00 | 49,328.00 |
| Income Tax | 27,496.00 | 17,005.00 | 8,342.00 | -20,598.00 | 26,863.00 | 18,421.00 | 8,932.00 | -16,454.00 | 28,600.00 | 18,546.00 | 7,713.00 | -13,583.00 | 22,855.00 | 14,373.00 | 6,734.00 | -19,623.00 | 25,710.00 | 17,269.00 | 9,558.00 |
| Net Income | 107,426.00 | 66,098.00 | 32,696.00 | -76,337.00 | 106,723.00 | 74,637.00 | 37,549.00 | -58,402.00 | 112,236.00 | 73,005.00 | 30,224.00 | -50,473.00 | 92,448.00 | 58,480.00 | 27,726.00 | -74,383.00 | 103,481.00 | 69,389.00 | 39,770.00 |
| EBIT | 290,799.00 | 187,394.00 | 92,644.00 | -202,008.00 | 300,242.00 | 201,906.00 | 99,639.00 | -94,498.00 | 236,638.00 | 145,225.00 | 58,168.00 | -60,142.00 | 124,781.00 | 78,991.00 | 37,532.00 | -98,969.00 | 141,212.00 | 95,129.00 | 53,947.00 |
| Deprecation and Amortization | 4,792.00 | 2,923.00 | 2,110.00 | -792.00 | 2,994.00 | 1,790.00 | 1,259.00 | -1,322.00 | 1,779.00 | 1,170.00 | 1,469.00 | -3,313.00 | 6,220.00 | 4,028.00 | 1,925.00 | -3,130.00 | 5,091.00 | 3,343.00 | 1,735.00 |
| EBITDA | 295,591.00 | 190,317.00 | 94,754.00 | -202,800.00 | 303,236.00 | 203,696.00 | 100,898.00 | -95,820.00 | 238,417.00 | 146,395.00 | 59,637.00 | -63,455.00 | 131,001.00 | 83,019.00 | 39,457.00 | -102,099.00 | 146,303.00 | 98,472.00 | 55,682.00 |
| 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 | 103,202.88 | 102,602.94 | 101,566.09 | 188,385.33 | 102,032.70 | 102,014.24 | 101,981.25 | 189,076.76 | 101,428.07 | 101,056.43 | 99,560.83 | 92,558.80 | 93,761.36 | 94,049.31 | 94,078.70 | 94,405.02 | 95,883.87 | 96,019.81 | 96,026.87 |
| Average Shares Outstanding Diluted | 103,509.90 | 102,886.35 | 101,859.82 | 102,091.39 | 102,293.21 | 102,238.49 | 102,198.90 | 104,552.12 | 101,674.97 | 101,281.90 | 99,779.82 | 92,970.50 | 93,994.16 | 94,273.81 | 94,311.32 | 94,741.42 | 96,130.60 | 96,255.48 | 96,233.65 |
| 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 | 135,788.00 | 86,291.00 | 55,886.00 | 3,969.00 | 115,946.00 | 62,338.00 | 39,645.00 | 5,962.00 | 106,737.00 | 86,341.00 | 38,600.00 | 37,292.00 | 108,680.00 | 60,369.00 | 31,199.00 | -26,920.00 | 119,423.00 | 73,324.00 | 51,230.00 |
| Operating Net Income | 107,426.00 | 66,098.00 | 32,696.00 | 208,807.00 | 106,723.00 | 74,637.00 | 37,549.00 | 255,724.00 | 112,236.00 | 73,005.00 | 30,224.00 | 205,889.00 | 92,448.00 | 58,480.00 | 27,726.00 | 202,131.00 | 103,481.00 | 69,389.00 | 39,770.00 |
| Deprecation and Amortization | 4,792.00 | 2,923.00 | 2,110.00 | -792.00 | 2,994.00 | 1,790.00 | 1,259.00 | -1,322.00 | 1,779.00 | 1,170.00 | 1,469.00 | -3,313.00 | 6,220.00 | 4,028.00 | 1,925.00 | -3,130.00 | 5,091.00 | 3,343.00 | 1,735.00 |
| Deferred Income Tax | 758.00 | 518.00 | 1,753.00 | -4,451.00 | 1,888.00 | 3,180.00 | 2,797.00 | -2,089.00 | 3,179.00 | 3,535.00 | 2,218.00 | -5,355.00 | 297.00 | 1,240.00 | 1,807.00 | -6,347.00 | 1,057.00 | 2,863.00 | 3,859.00 |
| Share Based Compensation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Working Capital | 3,408.00 | -4,021.00 | 7,746.00 | -60,439.00 | 21,149.00 | 17,983.00 | 17,630.00 | -21,653.00 | 12,524.00 | -7,620.00 | 17,163.00 | 11,702.00 | -12,910.00 | -9,480.00 | -1,268.00 | -11,146.00 | 12,748.00 | 8,254.00 | 15,215.00 |
| Other Operating Activities | 19,404.00 | 20,773.00 | 11,581.00 | -139,156.00 | -16,808.00 | -35,252.00 | -19,590.00 | -224,698.00 | -22,981.00 | 16,251.00 | -12,474.00 | -171,631.00 | 22,625.00 | 6,101.00 | 1,009.00 | -208,428.00 | -2,954.00 | -10,525.00 | -9,349.00 |
| Investing Cash Flow | -374,569.00 | -300,934.00 | -213,561.00 | 120,933.00 | -80,174.00 | -98,860.00 | -64,243.00 | -98,349.00 | -348,990.00 | -136,968.00 | 11,115.00 | -79,963.00 | -328,451.00 | -144,582.00 | -35,942.00 | 797,537.00 | -541,012.00 | -507,235.00 | -314,694.00 |
| 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 | 4,785.00 | 3,459.00 | 1,134.00 | 13,780.00 | 4,986.00 | 2,905.00 | 1,259.00 | 21,207.00 | 2,836.00 | 1,472.00 | 846.00 | 11,325.00 | 3,862.00 | 3,168.00 | 1,461.00 | 4,612.00 | 6,620.00 | 4,979.00 | 2,226.00 |
| Net Purchase/Sale of Investments Net | 562,250.00 | 480,742.00 | 336,142.00 | -366,541.00 | 637,326.00 | 444,411.00 | 154,028.00 | -17,244.00 | 315,745.00 | 138,335.00 | 75,643.00 | -190,206.00 | 192,094.00 | 144,424.00 | 79,090.00 | -891,360.00 | 780,540.00 | 656,633.00 | 371,059.00 |
| Net Purchase/Sale of Business | 4,672.00 | 4,672.00 | 0 | 0 | 0 | 0 | 0 | -57,968.00 | 14,492.00 | 14,492.00 | 14,492.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 136,877.00 | 552,376.00 | 871,578.00 | 161,667.00 | 622,504.00 | ||||||||||||||
| Other Investing Activities | -1,438,356.00 | -1,113,110.00 | -679,069.00 | 529,584.00 | -792,100.00 | -613,427.00 | -275,432.00 | 207,968.00 | -1,117,156.00 | -565,349.00 | -175,379.00 | 238,965.00 | -1,087,451.00 | -607,618.00 | -249,630.00 | 1,575,315.00 | -1,365,954.00 | -1,186,732.00 | -685,009.00 |
| Financing Cash Flow | 266,783.00 | 241,400.00 | 165,624.00 | -751,690.00 | 399,544.00 | 77,822.00 | 187,972.00 | -611,445.00 | 425,079.00 | 345,252.00 | 191,843.00 | 8,328.00 | 5,171.00 | -11,359.00 | 134,176.00 | -808,622.00 | 399,682.00 | 361,783.00 | 411,517.00 |
| Net Issuance/Repayment of Debt | 88,251.00 | 164,215.00 | -2,278.00 | -220,824.00 | -58,010.00 | -59,561.00 | -50,965.00 | 322,192.00 | -418.00 | -1,960.00 | -266,136.00 | 366,252.00 | -39,480.00 | -48,794.00 | -42,391.00 | -13,162.00 | 50,893.00 | 40,338.00 | -6,442.00 |
| Net Issuance/Repurchase of Equity | 13,182.00 | 2,552.00 | 1,807.00 | 16,877.00 | 4,758.00 | 2,276.00 | 1,757.00 | 3,204.00 | 14,350.00 | 11,134.00 | 1,732.00 | 3,590.00 | 15,843.00 | 10,765.00 | 1,488.00 | 43,000.00 | 15,527.00 | 2,876.00 | 1,643.00 |
| Dividends Paid | 41,486.00 | 27,390.00 | 13,238.00 | -25,596.00 | 39,371.00 | 26,063.00 | 12,764.00 | -24,852.00 | 38,050.00 | 25,249.00 | 12,367.00 | -21,799.00 | 33,373.00 | 22,167.00 | 10,837.00 | -21,281.00 | 32,673.00 | 21,641.00 | 10,578.00 |
| Other Financing Activities | 123,864.00 | 47,243.00 | 152,857.00 | -522,147.00 | 413,425.00 | 109,044.00 | 224,416.00 | -911,989.00 | 373,097.00 | 310,829.00 | 443,880.00 | -339,715.00 | -4,565.00 | 4,503.00 | 164,242.00 | -817,179.00 | 300,589.00 | 296,928.00 | 405,738.00 |
| Net Change in Cash | 28,002.00 | 26,757.00 | 7,949.00 | -626,788.00 | 435,316.00 | 41,300.00 | 163,374.00 | -703,832.00 | 182,826.00 | 294,625.00 | 241,558.00 | 95,090.00 | -214,600.00 | -95,572.00 | 0 | 38,791.00 | 0 | 0 | 0 |
| Cash at Beginning of Period | 133,409.00 | 133,409.00 | 133,409.00 | 760,197.00 | 146,993.00 | 146,993.00 | 146,993.00 | 850,825.00 | 154,244.00 | 154,244.00 | 154,244.00 | 59,154.00 | 395,372.00 | 395,372.00 | 0 | 356,581.00 | 0 | 0 | 0 |
| Cash at End of Period | 161,411.00 | 160,166.00 | 141,358.00 | 133,409.00 | 582,309.00 | 188,293.00 | 310,367.00 | 146,993.00 | 337,070.00 | 448,869.00 | 395,802.00 | 154,244.00 | 180,772.00 | 299,800.00 | 0 | 395,372.00 | 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 |