FFBC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 11.11 | 8.73 | 10.40 | 11.29 | 10.96 |
| Price to Sales | 37.52 | 43.47 | 71.77 | ||
| Book Value Per Common Share | 77.48 | 72.43 | 65.48 | 71.31 | 70.32 |
| Price to Book | 0.35 | 0.33 | 0.37 | 0.34 | 0.25 |
| Price to Operating Cash Flow | 5.80 | 3.56 | 6.45 | 4.07 | 9.17 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 29088.46 | 29052.72 | 46553.81 | 50214.15 | 51171.58 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 12.38 | 18.95 | 46.26 | 14.50 | 18.83 | 41.52 | 9.25 | 14.10 | 29.03 | 13.26 | 19.60 | 52.39 | 14.19 | 23.17 | 48.98 |
| Price to Sales | 39.56 | 58.19 | 126.42 | 49.37 | 66.71 | 144.83 | 47.84 | 80.16 | 149.31 | 96.39 | 136.14 | 354.07 | |||
| Book Value Per Common Share | 27.76 | 27.00 | 26.43 | 25.96 | 24.66 | 24.27 | 22.68 | 22.84 | 22.63 | 21.33 | 22.13 | 22.89 | 23.35 | 23.52 | 23.32 |
| Price to Book | 0.91 | 0.90 | 0.95 | 0.97 | 0.90 | 0.92 | 0.86 | 0.89 | 0.96 | 0.99 | 0.88 | 1.01 | 1.00 | 1.00 | 1.03 |
| Price to Operating Cash Flow | 11.10 | 18.26 | 42.13 | 12.66 | 20.96 | 66.16 | 4.96 | 6.87 | 11.85 | 11.32 | 6.82 | 14.97 | 7.89 | 11.07 | 15.81 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA | 44274.88 | 65699.87 | 143826.90 | 45779.06 | 60799.97 | 130542.06 | 39959.60 | 64405.68 | 141239.47 | 91641.70 | 126023.93 | 336085.82 | 106308.94 | 164471.92 | 345264.33 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -11.03 | 16.74 | 7.87 | 35.00 | |
| Revenue YoY | 31.80 | 62.55 | |||
| EBITDA YoY | 13.60 | 57.75 | 5.51 | 38.33 | |
| Net Profit YoY | -10.57 | 17.58 | 6.07 | 31.67 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 59.38 | 137.04 | 47.46 | 118.52 | 46.21 | 93.33 | 60.61 | 125.00 | 61.76 | 108.16 | |||||
| Revenue YoY | 53.16 | 111.20 | 53.51 | 115.35 | 60.75 | 75.12 | 53.49 | 119.27 | |||||||
| EBITDA YoY | 54.52 | 112.85 | 50.87 | 113.05 | 54.66 | 106.11 | 126.55 | 49.49 | 124.68 | 43.65 | 52.09 | 105.88 | |||
| Net Profit YoY | 59.30 | 136.46 | 47.04 | 119.96 | 46.34 | 93.27 | 60.01 | 124.74 | 61.11 | 107.55 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 11.85 | 12.14 | 7.34 | 5.10 | 4.36 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 3.37 | 3.44 | 3.74 | 3.19 | 3.07 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 7.80 | 8.24 | 8.71 | 9.02 | 9.88 | 10.09 | 7.17 | 7.49 | 5.39 | 5.72 | 5.22 | 4.90 | 2.50 | 2.54 | 2.37 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 2.56 | 3.45 | 6.38 | 6.41 | 6.81 | 6.70 | 7.01 | 6.97 | 6.98 | 7.34 | 6.85 | 6.49 | 6.14 | 6.07 | 6.16 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.07 | 1.27 | 1.12 | 1.08 | 0.84 |
| ROE | 4.69 | 5.64 | 5.33 | 4.54 | 3.41 |
| Gross Margin | 94.68 | 99.94 | 84.22 | ||
| Operating Margin | 1236.23 | 1434.84 | 1456.88 | ||
| EBITDA Margin | 1289.75 | 1496.38 | 1541.91 | ||
| Net Profit Margin | 338.30 | 498.54 | 689.21 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.87 | 0.59 | 0.28 | 0.90 | 0.61 | 0.29 | 1.17 | 0.80 | 0.42 | 0.89 | 0.57 | 0.26 | 0.99 | 0.61 | 0.29 |
| ROE | 3.10 | 2.60 | 2.05 | 6.69 | 4.79 | 2.22 | 9.35 | 6.35 | 3.32 | 7.45 | 4.49 | 1.93 | 7.08 | 4.33 | 2.09 |
| Gross Margin | 98.79 | 99.30 | 97.64 | 97.35 | 93.72 | 84.52 | 96.38 | 99.34 | 86.57 | 82.20 | 75.57 | 96.28 | |||
| Operating Margin | 844.11 | 835.99 | 827.28 | 1024.97 | 1043.66 | 1053.42 | 1138.06 | 1181.68 | 1002.28 | 958.96 | 987.92 | 956.76 | |||
| EBITDA Margin | 893.69 | 885.82 | 878.95 | 1078.55 | 1097.38 | 1109.23 | 1197.43 | 1244.57 | 1057.46 | 1051.92 | 1080.09 | 1054.10 | |||
| Net Profit Margin | 319.37 | 307.06 | 274.25 | 339.94 | 354.88 | 347.45 | 517.68 | 568.64 | 515.24 | 726.29 | 696.70 | 679.74 |
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 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | |||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 21,329,535.00 | 20,120,880.00 | 19,362,732.00 | 18,924,178.00 | 18,580,632.00 |
| Deposits | 82,829,801.00 | 76,819,866.00 | 72,011,022.00 | 73,041,378.00 | 69,640,419.00 |
| Cash and Short-Term Investments | 1,118,950.00 | 1,140,764.00 | 686,696.00 | 484,588.00 | 424,261.00 |
| Cash and Cash Equivalents | 1,118,950.00 | 1,140,764.00 | 686,696.00 | 484,588.00 | 424,261.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 11,689,118.00 | 10,872,206.00 | 10,265,074.00 | 9,263,097.00 | 8,619,754.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 333,531.00 | 324,051.00 | 314,650.00 | 193,040.00 | 272,439.00 |
| Real Estate | 64.00 | 106.00 | 191.00 | 98.00 | 1,287.00 |
| Goodwill | 1,007,656.00 | 1,005,868.00 | 1,001,507.00 | 1,000,749.00 | 937,771.00 |
| Intangible Assets | 79,291.00 | 146,064.00 | 141,928.00 | 129,408.00 | 100,564.00 |
| Long-Term Investments | 72,660.00 | 60,970.00 | 33,897.00 | 25,202.00 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 1,691.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 16,453,453.00 | 15,584,932.00 | 15,279,986.00 | 14,406,294.00 | 14,016,492.00 |
| 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 | 1,641,356.00 | 2,013,442.00 | 2,731,468.00 | 632,406.00 | 166,594.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 31,822.00 | 29,200.00 | 32,500.00 | 313,420.00 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 4,876,082.00 | 4,535,948.00 | 4,082,746.00 | 4,517,884.00 | 4,564,140.00 |
| Shareholders Equity | 7,314,123.00 | 6,803,922.00 | 6,124,119.00 | 6,776,826.00 | 6,846,210.00 |
| Capital Stock | 1,642,055.00 | 1,638,972.00 | 1,634,605.00 | 1,640,358.00 | 1,638,947.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 1,276,329.00 | 1,136,718.00 | 968,237.00 | 837,473.00 | 720,429.00 |
| Treasury Shares | 190,544.00 | 197,897.00 | 202,806.00 | 218,456.00 | 125,970.00 |
| Accumulated Other Comprehensive Income | -289,799.00 | -309,819.00 | -358,663.00 | -433.00 | 48,664.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 14,018,706.00 | 13,574,961.00 | 15,598,310.00 | 19,114,834.00 | 4,667,378.00 |
| Debt | 1,988,865.00 | 2,357,557.00 | 3,078,140.00 | 1,042,238.00 | 1,109,390.00 |
| Net Debt | 869,915.00 | 1,216,793.00 | 2,391,444.00 | 557,650.00 | 685,129.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 67,641.00 | 51,322.00 | 31,574.00 | 0 | 0 |
| Cost Of Revenue | 3,600.00 | 33.00 | 4,982.00 | 903.00 | 237.00 |
| Interest Income | 1,167,649.00 | 1,062,238.00 | 711,270.00 | 580,899.00 | 618,269.00 |
| Interest Expense | 408,485.00 | 293,539.00 | 82,487.00 | 46,999.00 | 82,624.00 |
| Net Interest | 612,010.00 | 627,770.00 | 519,143.00 | 452,118.00 | 456,511.00 |
| Non-Interest Income | 223,830.00 | 213,652.00 | 189,654.00 | 172,169.00 | 189,395.00 |
| Non-Interest Expense | 519,595.00 | 478,489.00 | 455,349.00 | 400,812.00 | 390,664.00 |
| Gross Profit | 64,041.00 | 51,289.00 | 26,592.00 | 0 | 0 |
| Selling, General and Administrative Expenses | 132,757.00 | 119,068.00 | 101,935.00 | 82,693.00 | 77,865.00 |
| EBT | 427,712.00 | 442,849.00 | 377,508.00 | 410,417.00 | 237,936.00 |
| Income Tax | 29,780.00 | 52,854.00 | 15,587.00 | 27,986.00 | 22,456.00 |
| Net Income | 228,830.00 | 255,863.00 | 217,612.00 | 205,160.00 | 155,810.00 |
| EBIT | 836,197.00 | 736,388.00 | 459,995.00 | 457,416.00 | 320,560.00 |
| Deprecation and Amortization | 36,205.00 | 31,584.00 | 26,848.00 | 4,008.00 | 12,996.00 |
| EBITDA | 872,402.00 | 767,972.00 | 486,843.00 | 461,424.00 | 333,556.00 |
| 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 | 94,404.62 | 93,938.77 | 93,528.71 | 95,034.69 | 97,363.95 |
| Average Shares Outstanding Diluted | 95,405.72 | 95,096.07 | 94,586.85 | 95,897.38 | 98,093.10 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 437,453.00 | 627,062.00 | 351,190.00 | 569,076.00 | 186,228.00 |
| Operating Net Income | 686,490.00 | 767,589.00 | 652,836.00 | 615,480.00 | 467,430.00 |
| Deprecation and Amortization | 36,205.00 | 31,584.00 | 26,848.00 | 4,008.00 | 12,996.00 |
| Deferred Income Tax | 21,203.00 | 13,080.00 | -3,980.00 | 11,863.00 | -8,538.00 |
| Share Based Compensation | 15,693.00 | 14,898.00 | 13,379.00 | 9,635.00 | 7,678.00 |
| Change in Working Capital | 240,380.00 | -161,952.00 | 425,234.00 | -162,718.00 | 458,656.00 |
| Other Operating Activities | -562,518.00 | -38,137.00 | -763,127.00 | 90,808.00 | -751,994.00 |
| Investing Cash Flow | -1,000,812.00 | -704,845.00 | -882,094.00 | -625,486.00 | -1,204,871.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 21,073.00 | 24,122.00 | 13,778.00 | 15,333.00 | 16,466.00 |
| Net Purchase/Sale of Investments Net | 1,934,948.00 | 680,230.00 | 1,678,897.00 | 4,025,060.00 | 1,039,144.00 |
| Net Purchase/Sale of Business | 96,887.00 | 6,935.00 | 0 | 109,024.00 | 0 |
| Net Loan & Lease Activity | 769,221.00 | 665,861.00 | 987,088.00 | -362,131.00 | 714,594.00 |
| Other Investing Activities | -3,822,941.00 | -2,081,993.00 | -3,561,857.00 | -4,412,772.00 | -2,975,075.00 |
| Financing Cash Flow | 604,277.00 | 127,073.00 | 559,641.00 | -77,769.00 | 1,166,039.00 |
| Net Issuance/Repayment of Debt | -182,362.00 | -346,029.00 | 1,034,971.00 | 612,991.00 | 722,899.00 |
| Net Issuance/Repurchase of Equity | 0 | 48.00 | 177.00 | 216,282.00 | 33,516.00 |
| Dividends Paid | 89,544.00 | 87,159.00 | 86,606.00 | 87,316.00 | 89,691.00 |
| Other Financing Activities | 697,095.00 | 385,895.00 | -562,113.00 | -994,358.00 | 319,933.00 |
| Net Change in Cash | 40,918.00 | 49,290.00 | 28,737.00 | -11,023.00 | 30,363.00 |
| Cash at Beginning of Period | 133,340.00 | 163,769.00 | 178,764.00 | 0 | 0 |
| Cash at End of Period | 174,258.00 | 213,059.00 | 207,501.00 | 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 | 22,154,506.00 | 20,734,255.00 | 18,455,067.00 | 21,329,535.00 | 18,146,332.00 | 18,166,180.00 | 17,599,238.00 | 20,120,880.00 | 17,054,852.00 | 17,090,149.00 | 16,933,884.00 | 19,362,732.00 | 16,623,793.00 | 16,243,714.00 | 16,009,150.00 | 18,924,178.00 | 15,956,593.00 | 16,037,919.00 | 16,175,071.00 | 18,580,632.00 |
| Deposits | 43,172,832.00 | 41,778,053.00 | 39,429,566.00 | 82,829,801.00 | 38,735,563.00 | 37,924,339.00 | 37,195,568.00 | 76,819,866.00 | 35,308,087.00 | 34,779,453.00 | 34,193,950.00 | 72,011,022.00 | 32,882,767.00 | 32,707,222.00 | 34,195,295.00 | 73,041,378.00 | 34,012,946.00 | 33,616,849.00 | 33,948,837.00 | 69,640,419.00 |
| Cash and Short-Term Investments | 739,739.00 | 780,360.00 | 823,959.00 | 1,118,950.00 | 851,194.00 | 932,349.00 | 950,697.00 | 1,140,764.00 | 673,202.00 | 702,626.00 | 505,300.00 | 686,696.00 | 534,531.00 | 487,523.00 | 457,575.00 | 484,588.00 | 239,547.00 | 245,528.00 | 229,371.00 | 424,261.00 |
| Cash and Cash Equivalents | 739,739.00 | 780,360.00 | 823,959.00 | 1,118,950.00 | 851,194.00 | 932,349.00 | 950,697.00 | 1,140,764.00 | 673,202.00 | 702,626.00 | 505,300.00 | 686,696.00 | 534,531.00 | 487,523.00 | 457,575.00 | 484,588.00 | 239,547.00 | 245,528.00 | 229,371.00 | 424,261.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 11,642,999.00 | 11,730,959.00 | 11,668,137.00 | 11,689,118.00 | 11,490,582.00 | 11,449,586.00 | 11,153,958.00 | 10,872,206.00 | 10,591,658.00 | 10,501,291.00 | 10,388,148.00 | 10,265,074.00 | 9,778,294.00 | 9,398,664.00 | 7,736,578.00 | 9,263,097.00 | 7,979,466.00 | 8,263,700.00 | 8,693,012.00 | 8,619,754.00 |
| 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 | 45,900.00 | 47,333.00 | 48,800.00 | 333,531.00 | 51,500.00 | 53,000.00 | 52,900.00 | 324,051.00 | 55,500.00 | 51,300.00 | 53,200.00 | 314,650.00 | 55,800.00 | 54,500.00 | 55,800.00 | 193,040.00 | 248,080.00 | 249,238.00 | 262,237.00 | 272,439.00 |
| Real Estate | 111.00 | 204.00 | 213.00 | 64.00 | 30.00 | 30.00 | 161.00 | 106.00 | 142.00 | 281.00 | 191.00 | 191.00 | 22.00 | 22.00 | 72.00 | 98.00 | 340.00 | 340.00 | 854.00 | 1,287.00 |
| Goodwill | 1,007,656.00 | 1,007,656.00 | 1,007,656.00 | 1,007,656.00 | 1,007,656.00 | 1,007,656.00 | 1,007,656.00 | 1,005,868.00 | 1,005,868.00 | 1,005,828.00 | 1,005,738.00 | 1,001,507.00 | 998,422.00 | 999,959.00 | 999,959.00 | 1,000,749.00 | 937,771.00 | 937,771.00 | 937,771.00 | 937,771.00 |
| Intangible Assets | 73,797.00 | 75,458.00 | 77,002.00 | 79,291.00 | 81,547.00 | 148,909.00 | 150,515.00 | 146,064.00 | 145,340.00 | 144,503.00 | 143,896.00 | 141,928.00 | 141,890.00 | 128,898.00 | 129,408.00 | 129,408.00 | 96,891.00 | 100,597.00 | 100,597.00 | 100,564.00 |
| Long-Term Investments | 71,552.00 | 55,237.00 | 55,993.00 | 72,660.00 | 62,490.00 | 71,617.00 | 51,162.00 | 60,970.00 | 55,161.00 | 48,918.00 | 45,237.00 | 33,897.00 | 19,142.00 | 21,753.00 | 23,850.00 | 25,202.00 | 34,822.00 | 44,838.00 | 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 | 1,691.00 |
| 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 | 15,922,651.00 | 16,076,100.00 | 15,953,832.00 | 16,453,453.00 | 15,695,894.00 | 15,839,741.00 | 15,312,235.00 | 15,584,932.00 | 14,925,343.00 | 14,946,730.00 | 14,812,388.00 | 15,279,986.00 | 14,629,661.00 | 14,175,044.00 | 13,871,705.00 | 14,406,294.00 | 13,720,423.00 | 13,768,412.00 | 13,916,129.00 | 14,016,492.00 |
| 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 | 1,235,534.00 | 1,374,098.00 | 1,664,384.00 | 1,641,356.00 | 1,670,006.00 | 2,457,544.00 | 1,886,390.00 | 2,013,442.00 | 2,167,576.00 | 2,598,566.00 | 2,563,320.00 | 2,731,468.00 | 2,507,006.00 | 896,000.00 | 185,000.00 | 632,406.00 | 188,850.00 | 472,791.00 | 0 | 166,594.00 |
| 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 | 25,900.00 | 29,200.00 | 30,300.00 | 31,822.00 | 28,600.00 | 23,244.00 | 28,112.00 | 29,200.00 | 26,200.00 | 25,405.00 | 28,300.00 | 32,500.00 | 313,990.00 | 313,800.00 | 313,611.00 | 313,420.00 | 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 | 6,231,855.00 | 4,658,155.00 | 2,501,235.00 | 4,876,082.00 | 2,450,438.00 | 2,326,439.00 | 2,287,003.00 | 4,535,948.00 | 2,129,509.00 | 2,143,419.00 | 2,121,496.00 | 4,082,746.00 | 1,994,132.00 | 2,068,670.00 | 2,137,445.00 | 4,517,884.00 | 2,236,170.00 | 2,269,507.00 | 2,258,942.00 | 4,564,140.00 |
| Shareholders Equity | 2,631,855.00 | 2,558,155.00 | 2,501,235.00 | 7,314,123.00 | 2,450,438.00 | 2,326,439.00 | 2,287,003.00 | 6,803,922.00 | 2,129,509.00 | 2,143,419.00 | 2,121,496.00 | 6,124,119.00 | 1,994,132.00 | 2,068,670.00 | 2,137,445.00 | 6,776,826.00 | 2,236,170.00 | 2,269,507.00 | 2,258,942.00 | 6,846,210.00 |
| Capital Stock | 1,641,315.00 | 1,638,796.00 | 1,637,041.00 | 1,642,055.00 | 1,639,045.00 | 1,635,705.00 | 1,632,971.00 | 1,638,972.00 | 1,636,054.00 | 1,632,659.00 | 1,629,428.00 | 1,634,605.00 | 1,631,696.00 | 1,637,237.00 | 1,634,903.00 | 1,640,358.00 | 1,637,065.00 | 1,635,470.00 | 1,633,137.00 | 1,638,947.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 1,399,577.00 | 1,351,674.00 | 1,304,636.00 | 1,276,329.00 | 1,234,375.00 | 1,204,844.00 | 1,166,065.00 | 1,136,718.00 | 1,101,905.00 | 1,060,715.00 | 1,016,893.00 | 968,237.00 | 920,943.00 | 887,006.00 | 857,178.00 | 837,473.00 | 812,082.00 | 773,857.00 | 745,220.00 | 720,429.00 |
| Treasury Shares | 186,037.00 | 185,931.00 | 186,554.00 | 190,544.00 | 190,720.00 | 190,701.00 | 190,924.00 | 197,897.00 | 198,445.00 | 196,945.00 | 196,766.00 | 202,806.00 | 203,937.00 | 212,245.00 | 212,159.00 | 218,456.00 | 227,207.00 | 170,555.00 | 137,516.00 | 125,970.00 |
| Accumulated Other Comprehensive Income | -223,000.00 | -246,384.00 | -253,888.00 | -289,799.00 | -232,262.00 | -323,409.00 | -321,109.00 | -309,819.00 | -410,005.00 | -353,010.00 | -328,059.00 | -358,663.00 | -354,570.00 | -243,328.00 | -142,477.00 | -433.00 | 14,230.00 | 30,735.00 | 18,101.00 | 48,664.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 14,944,539.00 | 14,781,315.00 | 14,309,350.00 | 14,018,706.00 | 13,946,260.00 | 13,532,409.00 | 12,797,295.00 | 13,574,961.00 | 14,020,536.00 | 14,929,931.00 | 15,504,957.00 | 15,598,310.00 | 16,200,000.00 | 17,586,813.00 | 18,053,077.00 | 19,114,834.00 | 18,696,183.00 | 9,037,754.00 | 8,690,089.00 | 4,667,378.00 |
| Debt | 1,457,357.00 | 1,719,053.00 | 2,010,262.00 | 1,988,865.00 | 2,014,092.00 | 2,796,100.00 | 2,229,626.00 | 2,357,557.00 | 2,508,478.00 | 2,938,529.00 | 2,905,967.00 | 3,078,140.00 | 2,862,122.00 | 2,150,578.00 | 749,840.00 | 1,042,238.00 | 502,080.00 | 785,830.00 | 583,722.00 | 1,109,390.00 |
| Net Debt | 717,618.00 | 938,693.00 | 1,186,303.00 | 869,915.00 | 1,162,898.00 | 1,863,751.00 | 1,278,929.00 | 1,216,793.00 | 1,835,276.00 | 2,235,903.00 | 2,400,667.00 | 2,391,444.00 | 2,327,591.00 | 1,663,055.00 | 292,265.00 | 557,650.00 | 262,533.00 | 540,302.00 | 354,351.00 | 685,129.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 60,497.00 | 39,500.00 | 18,703.00 | -26,593.00 | 48,228.00 | 31,417.00 | 14,589.00 | -24,737.00 | 38,466.00 | 23,929.00 | 13,664.00 | -8,275.00 | 20,450.00 | 13,323.00 | 6,076.00 | 0 | 0 | 0 | 0 |
| Cost Of Revenue | 730.00 | 277.00 | 441.00 | -1,911.00 | 1,279.00 | 1,973.00 | 2,259.00 | -3,354.00 | 1,393.00 | 159.00 | 1,835.00 | -2,140.00 | 3,641.00 | 3,255.00 | 226.00 | -1,586.00 | 896.00 | 1,055.00 | 538.00 |
| Interest Income | 869,658.00 | 574,015.00 | 283,675.00 | -557,108.00 | 872,015.00 | 573,210.00 | 279,532.00 | -478,857.00 | 782,780.00 | 510,859.00 | 247,456.00 | -208,622.00 | 483,741.00 | 295,673.00 | 140,478.00 | -295,844.00 | 437,835.00 | 292,621.00 | 146,287.00 |
| Interest Expense | 268,522.00 | 178,754.00 | 91,123.00 | -167,728.00 | 292,913.00 | 191,354.00 | 91,946.00 | -60,212.00 | 190,562.00 | 113,926.00 | 49,263.00 | 24,726.00 | 33,845.00 | 16,432.00 | 7,484.00 | -2,387.00 | 24,032.00 | 16,621.00 | 8,733.00 |
| Net Interest | 468,051.00 | 307,565.00 | 149,296.00 | -296,392.00 | 457,611.00 | 302,051.00 | 148,740.00 | -324,103.00 | 474,005.00 | 318,550.00 | 159,318.00 | -171,991.00 | 361,247.00 | 223,541.00 | 106,346.00 | -230,972.00 | 341,312.00 | 227,902.00 | 113,876.00 |
| Non-Interest Income | 192,671.00 | 119,146.00 | 51,083.00 | -84,409.00 | 153,714.00 | 108,013.00 | 46,512.00 | -116,121.00 | 165,429.00 | 108,801.00 | 55,543.00 | -76,324.00 | 133,606.00 | 91,079.00 | 41,293.00 | -77,308.00 | 125,846.00 | 83,309.00 | 40,322.00 |
| Non-Interest Expense | 391,016.00 | 256,747.00 | 128,076.00 | -220,377.00 | 371,688.00 | 245,929.00 | 122,355.00 | -234,864.00 | 359,352.00 | 237,308.00 | 116,693.00 | -184,395.00 | 330,907.00 | 206,032.00 | 102,805.00 | -175,050.00 | 291,207.00 | 192,149.00 | 92,506.00 |
| Gross Profit | 59,767.00 | 39,223.00 | 18,262.00 | -24,682.00 | 46,949.00 | 29,444.00 | 12,330.00 | -21,383.00 | 37,073.00 | 23,770.00 | 11,829.00 | -6,135.00 | 16,809.00 | 10,068.00 | 5,850.00 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 106,934.00 | 70,530.00 | 34,026.00 | -53,813.00 | 94,823.00 | 61,863.00 | 29,884.00 | -53,892.00 | 87,299.00 | 57,293.00 | 28,368.00 | -44,552.00 | 74,740.00 | 48,212.00 | 23,535.00 | -29,680.00 | 57,279.00 | 37,252.00 | 17,842.00 |
| EBT | 242,139.00 | 151,462.00 | 63,603.00 | 28,033.00 | 201,410.00 | 136,532.00 | 61,737.00 | -60,884.00 | 247,205.00 | 168,839.00 | 87,689.00 | 49,407.00 | 162,263.00 | 115,189.00 | 50,649.00 | 47,054.00 | 186,346.00 | 119,313.00 | 57,704.00 |
| Income Tax | 48,927.00 | 30,173.00 | 12,310.00 | -43,771.00 | 37,465.00 | 25,038.00 | 11,048.00 | -45,275.00 | 48,074.00 | 32,769.00 | 17,286.00 | -29,866.00 | 13,737.00 | 22,368.00 | 9,348.00 | -31,644.00 | 28,131.00 | 21,110.00 | 10,389.00 |
| Net Income | 193,212.00 | 121,289.00 | 51,293.00 | -97,298.00 | 163,945.00 | 111,494.00 | 50,689.00 | -149,741.00 | 199,131.00 | 136,070.00 | 70,403.00 | -65,036.00 | 148,526.00 | 92,821.00 | 41,301.00 | -98,573.00 | 158,215.00 | 98,203.00 | 47,315.00 |
| EBIT | 510,661.00 | 330,216.00 | 154,726.00 | -139,695.00 | 494,323.00 | 327,886.00 | 153,683.00 | -121,096.00 | 437,767.00 | 282,765.00 | 136,952.00 | 74,133.00 | 196,108.00 | 131,621.00 | 58,133.00 | 44,667.00 | 210,378.00 | 135,934.00 | 66,437.00 |
| Deprecation and Amortization | 29,997.00 | 19,681.00 | 9,664.00 | -14,652.00 | 25,838.00 | 16,877.00 | 8,142.00 | -13,842.00 | 22,838.00 | 15,048.00 | 7,540.00 | -10,355.00 | 19,010.00 | 12,279.00 | 5,914.00 | -82.00 | 479.00 | 2,708.00 | 903.00 |
| EBITDA | 540,658.00 | 349,897.00 | 164,390.00 | -154,347.00 | 520,161.00 | 344,763.00 | 161,825.00 | -134,938.00 | 460,605.00 | 297,813.00 | 144,492.00 | 63,778.00 | 215,118.00 | 143,900.00 | 64,047.00 | 44,585.00 | 210,857.00 | 138,642.00 | 67,340.00 |
| 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 | 94,799.41 | 94,753.70 | 94,645.79 | 94,695.24 | 94,377.01 | 94,328.15 | 94,218.07 | 94,297.01 | 93,896.72 | 93,828.83 | 93,732.53 | 93,753.08 | 93,507.83 | 93,470.01 | 93,383.93 | 91,015.34 | 95,752.76 | 96,496.72 | 96,873.94 |
| Average Shares Outstanding Diluted | 95,674.09 | 95,633.58 | 95,524.26 | 95,733.60 | 95,378.24 | 95,327.04 | 95,184.00 | 95,272.90 | 95,085.87 | 95,065.33 | 94,960.16 | 95,221.63 | 94,504.45 | 94,357.39 | 94,263.93 | 91,877.77 | 96,617.60 | 97,366.64 | 97,727.53 |
| 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 | 215,710.00 | 125,903.00 | 56,117.00 | 117,437.00 | 188,098.00 | 99,987.00 | 31,931.00 | -195,009.00 | 370,800.00 | 279,065.00 | 172,206.00 | -232,582.00 | 174,206.00 | 265,751.00 | 143,815.00 | -67,964.00 | 284,044.00 | 205,962.00 | 147,034.00 |
| Operating Net Income | 193,212.00 | 121,289.00 | 51,293.00 | 360,362.00 | 163,945.00 | 111,494.00 | 50,689.00 | 361,985.00 | 199,131.00 | 136,070.00 | 70,403.00 | 370,188.00 | 148,526.00 | 92,821.00 | 41,301.00 | 311,747.00 | 158,215.00 | 98,203.00 | 47,315.00 |
| Deprecation and Amortization | 29,997.00 | 19,681.00 | 9,664.00 | -14,652.00 | 25,838.00 | 16,877.00 | 8,142.00 | -13,842.00 | 22,838.00 | 15,048.00 | 7,540.00 | -10,355.00 | 19,010.00 | 12,279.00 | 5,914.00 | 7,140.00 | 479.00 | -2,708.00 | -903.00 |
| Deferred Income Tax | 37,579.00 | 26,299.00 | 31,863.00 | -12,922.00 | 8,473.00 | 12,824.00 | 12,828.00 | 8,640.00 | 4,522.00 | 8,762.00 | -8,844.00 | -23,818.00 | 9,418.00 | 10,086.00 | 334.00 | -4,541.00 | 7,238.00 | 5,863.00 | 3,303.00 |
| Share Based Compensation | 12,485.00 | 8,464.00 | 5,648.00 | -11,519.00 | 12,402.00 | 8,944.00 | 5,866.00 | -11,860.00 | 13,351.00 | 8,791.00 | 4,616.00 | -4,663.00 | 8,707.00 | 5,828.00 | 3,507.00 | -6,110.00 | 7,568.00 | 5,335.00 | 2,842.00 |
| Change in Working Capital | -116,754.00 | -137,542.00 | -194,948.00 | 133,751.00 | -31,738.00 | 143,446.00 | -5,079.00 | 188,873.00 | 11,139.00 | -163,895.00 | -198,069.00 | -313,844.00 | 552,433.00 | 214,463.00 | -27,818.00 | 265,814.00 | -125,599.00 | -137,252.00 | -165,681.00 |
| Other Operating Activities | 59,191.00 | 87,712.00 | 152,597.00 | -337,583.00 | 9,178.00 | -193,598.00 | -40,515.00 | -728,805.00 | 119,819.00 | 274,289.00 | 296,560.00 | -250,090.00 | -563,888.00 | -69,726.00 | 120,577.00 | -642,014.00 | 236,143.00 | 236,521.00 | 260,158.00 |
| Investing Cash Flow | 36,871.00 | -10,859.00 | 72,619.00 | 257,951.00 | -603,857.00 | -611,576.00 | -43,330.00 | -218,532.00 | -187,581.00 | -241,241.00 | -57,491.00 | -460,473.00 | -411,251.00 | -93,193.00 | 82,823.00 | 128,165.00 | -135,610.00 | -251,941.00 | -366,100.00 |
| 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 | 12,729.00 | 8,697.00 | 3,750.00 | -10,533.00 | 14,076.00 | 10,408.00 | 7,122.00 | -10,538.00 | 18,134.00 | 12,033.00 | 4,493.00 | -6,402.00 | 9,762.00 | 7,237.00 | 3,181.00 | -3,150.00 | 10,603.00 | 5,163.00 | 2,717.00 |
| Net Purchase/Sale of Investments Net | 1,931,492.00 | 1,056,842.00 | 679,705.00 | -1,062,271.00 | 1,531,158.00 | 975,695.00 | 490,366.00 | -65,576.00 | 388,642.00 | 239,543.00 | 117,621.00 | -860,112.00 | 1,216,467.00 | 893,409.00 | 429,133.00 | -75,461.00 | 3,216,427.00 | 588,523.00 | 295,571.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | -193,774.00 | 96,887.00 | 96,887.00 | 96,887.00 | -3,495.00 | 3,535.00 | 3,495.00 | 3,400.00 | 0 | 0 | 0 | 0 | 109,024.00 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 769,221.00 | 665,861.00 | 987,088.00 | -362,131.00 | 714,594.00 | ||||||||||||||
| Other Investing Activities | -1,881,984.00 | -1,117,459.00 | -583,787.00 | 2,002,791.00 | -2,794,684.00 | -2,204,119.00 | -826,929.00 | -48,291.00 | -965,132.00 | -752,342.00 | -316,228.00 | -16,372.00 | -2,128,167.00 | -1,117,407.00 | -299,911.00 | -409,426.00 | -2,831,680.00 | -466,888.00 | -704,778.00 |
| Financing Cash Flow | -252,180.00 | -79,115.00 | -112,384.00 | -279,112.00 | 393,318.00 | 492,324.00 | -2,253.00 | 447,779.00 | -170,385.00 | -27,940.00 | -122,381.00 | 653,355.00 | 212,567.00 | -90,040.00 | -216,241.00 | -128,075.00 | -169,740.00 | 21,843.00 | 198,203.00 |
| Net Issuance/Repayment of Debt | -34,327.00 | -68,098.00 | 45,886.00 | -229,484.00 | -125,569.00 | 247,293.00 | -74,602.00 | 89,768.00 | -306,631.00 | -63,785.00 | -65,381.00 | -455,653.00 | 920,213.00 | 651,431.00 | -81,020.00 | -849,527.00 | 485,638.00 | 769,579.00 | 207,301.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -82.00 | 48.00 | 48.00 | 34.00 | -354.00 | 177.00 | 177.00 | 177.00 | 39,275.00 | 108,111.00 | 50,880.00 | 18,016.00 |
| Dividends Paid | 70,247.00 | 46,562.00 | 22,996.00 | -43,434.00 | 66,886.00 | 44,224.00 | 21,868.00 | -44,184.00 | 65,504.00 | 43,728.00 | 22,111.00 | -43,983.00 | 65,066.00 | 43,537.00 | 21,986.00 | -45,170.00 | 65,949.00 | 44,337.00 | 22,200.00 |
| Other Financing Activities | -288,100.00 | -57,579.00 | -181,266.00 | -6,194.00 | 452,001.00 | 200,807.00 | 50,481.00 | 402,277.00 | 70,694.00 | -7,931.00 | -79,145.00 | 1,153,345.00 | -772,889.00 | -785,185.00 | -157,384.00 | 727,347.00 | -829,438.00 | -842,953.00 | -49,314.00 |
| Net Change in Cash | 401.00 | 35,929.00 | 16,352.00 | 96,276.00 | -22,441.00 | -19,265.00 | -13,652.00 | 34,238.00 | 12,834.00 | 9,884.00 | -7,666.00 | -39,700.00 | -24,478.00 | 82,518.00 | 10,397.00 | 55,282.00 | -21,306.00 | -24,136.00 | -20,863.00 |
| Cash at Beginning of Period | 174,258.00 | 174,258.00 | 174,258.00 | 77,982.00 | 213,059.00 | 213,059.00 | 213,059.00 | 178,821.00 | 207,501.00 | 207,501.00 | 207,501.00 | 247,201.00 | 220,031.00 | 220,031.00 | 220,031.00 | 0.00 | 0 | 0 | 0 |
| Cash at End of Period | 174,659.00 | 210,187.00 | 190,610.00 | 174,258.00 | 190,618.00 | 193,794.00 | 199,407.00 | 213,059.00 | 220,335.00 | 217,385.00 | 199,835.00 | 207,501.00 | 195,553.00 | 302,549.00 | 230,428.00 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |