FFIC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | -13.60 | 17.17 | 7.75 | 9.38 |
| Price to Sales | 0.06 | 57.66 | 116.61 | 128.50 |
| Book Value Per Common Share | 21.53 | 23.21 | 22.97 | 22.26 |
| Price to Book | 0.66 | 0.71 | 0.84 | 1.09 |
| Price to Operating Cash Flow | 0.04 | 14.42 | 6.97 | 8.65 |
| Price to Free Cash Flow | 0.04 | 17.14 | 7.34 | 9.03 |
| Enterprise Value to EBITDA | 19925.74 | 17710.86 | 30990.29 | 47576.34 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 46.03 | 28.98 | -43.79 | 48.60 | 105.08 | 87.59 | 38.53 | ||||
| Price to Sales | 8.00 | 6.35 | 283.48 | 8.21 | 262.71 | 319.53 | 494.47 | ||||
| Book Value Per Common Share | 21.06 | 20.91 | 20.81 | 21.53 | 22.94 | 23.04 | 23.21 | 22.84 | 22.97 | 22.26 | 22.26 |
| Price to Book | 0.66 | 0.57 | 0.61 | 0.66 | 0.64 | 0.55 | 0.71 | 0.65 | 0.84 | 1.00 | 1.09 |
| Price to Operating Cash Flow | 23.96 | 15.64 | 62.90 | 79.11 | -58.84 | -43.26 | 16.73 | ||||
| Price to Free Cash Flow | 24.26 | 16.49 | 83.66 | 88.15 | -56.24 | -38.37 | 17.09 | ||||
| Enterprise Value to EBITDA | 72603.79 | 49760.53 | 79187.29 | 202047.26 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | -61.60 | -3.47 | ||
| Revenue YoY | -19.70 | 68.90 | -14.13 | |
| EBITDA YoY | -10.19 | 45.71 | 18.23 | |
| Net Profit YoY | -62.75 | -5.93 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | -26.83 | 150.00 | -29.41 | -70.69 | |||||||
| Revenue YoY | -7.74 | 4073.96 | -97.08 | 3634.15 | -1.20 | 2.69 | |||||
| EBITDA YoY | 32.85 | 65.07 | |||||||||
| Net Profit YoY | -27.62 | 138.33 | -28.58 | -71.69 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | 4999.31 | 5.69 | 4.92 | 2.59 |
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 11.48 | 11.75 | 11.44 | 10.84 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 8.01 | 4.53 | 7.25 | 5.96 | 5.84 | 5.15 | 6.14 | 2.68 | |||
| Quick Ratio | |||||||||||
| Current Ratio | |||||||||||
| Debt to Equity | 11.47 | 11.42 | 11.82 | 11.48 | 12.92 | 12.15 | 11.75 | 11.59 | 11.44 | 11.09 | 10.84 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | -0.35 | 0.34 | 0.91 | 1.02 |
| ROE | -4.32 | 4.28 | 11.36 | 12.04 |
| Gross Margin | -37.73 | -21.58 | 0.80 | 17.12 |
| Operating Margin | 3383.96 | 3030.38 | 3472.51 | 2512.51 |
| EBITDA Margin | 3472.41 | 3104.88 | 3598.93 | 2613.90 |
| Net Profit Margin | -451.03 | 331.34 | 1502.25 | 1371.22 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.12 | 0.16 | -0.11 | 0.09 | 0.04 | 0.06 | 0.22 | ||||
| ROE | 1.45 | 2.01 | -1.39 | 1.32 | 0.55 | 0.77 | 2.70 | ||||
| Gross Margin | -183.89 | 57.53 | -432.10 | 1.16 | |||||||
| Operating Margin | 3788.03 | 5172.09 | 3813.89 | 2363.97 | |||||||
| EBITDA Margin | 3884.48 | 5284.43 | 3929.84 | 2444.76 | |||||||
| Net Profit Margin | 17.55 | 22.37 | -644.05 | 16.87 | 264.28 | 365.56 | 1325.98 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | ||||
| Dividend Payout Ratio |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | ||||||||
| Dividend Payout Ratio | 73.79 | 53.47 | 74.52 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 9,038,972.00 | 8,537,236.00 | 8,422,946.00 | 8,045,911.00 |
| Deposits | 7,125,851.00 | 6,764,879.00 | 6,437,183.00 | 6,333,532.00 |
| Cash and Short-Term Investments | 152,574.00 | 172,157.00 | 151,754.00 | 81,723.00 |
| Cash and Cash Equivalents | 152,574.00 | 172,157.00 | 151,754.00 | 81,723.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 |
| Net Receivables | 62,036.00 | 59,018.00 | 45,048.00 | 38,698.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 63,652.00 | 60,830.00 | 65,039.00 | 73,538.00 |
| Goodwill | 17,636.00 | 17,636.00 | 17,636.00 | 17,636.00 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 2,200.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 8,314,433.00 | 7,867,399.00 | 7,745,789.00 | 7,366,283.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 724,539.00 | 669,837.00 | 677,157.00 | 679,628.00 |
| Shareholders Equity | 724,539.00 | 669,837.00 | 677,157.00 | 679,628.00 |
| Capital Stock | 387.00 | 341.00 | 341.00 | 341.00 |
| Share Premium | 326,671.00 | 264,534.00 | 264,332.00 | 263,375.00 |
| Retained Earnings | 492,003.00 | 549,683.00 | 547,507.00 | 497,889.00 |
| Treasury Shares | -101,655.00 | -106,070.00 | -98,535.00 | -75,293.00 |
| Accumulated Other Comprehensive Income | 7,133.00 | -38,651.00 | -36,488.00 | -6,684.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Investments | 574,379.00 | 209,728.00 | 809,068.00 | 835,104.00 |
| Debt | 283,564.00 | 276,302.00 | 283,597.00 | 233,512.00 |
| Net Debt | 130,990.00 | 104,145.00 | 131,843.00 | 151,789.00 |
| Common Shares Outstanding | 33,659.07 | 28,865.81 | 29,476.39 | 30,526.35 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 6,947.00 | 8,651.00 | 5,122.00 | 5,965.00 |
| Cost Of Revenue | 9,568.00 | 10,518.00 | 5,081.00 | 4,944.00 |
| Interest Income | 475,940.00 | 409,882.00 | 319,044.00 | 288,765.00 |
| Interest Expense | 283,351.00 | 222,325.00 | 73,010.00 | 40,593.00 |
| Net Interest | 261,087.00 | 216,750.00 | 264,477.00 | 261,968.00 |
| Non-Interest Income | -57,445.00 | 22,588.00 | 10,009.00 | 3,687.00 |
| Non-Interest Expense | -163,265.00 | -151,389.00 | -143,692.00 | -147,322.00 |
| Provisions for Credit Losses | 9,568.00 | 10,518.00 | 5,081.00 | -4,944.00 |
| Gross Profit | -2,621.00 | -1,867.00 | 41.00 | 1,021.00 |
| Selling, General and Administrative Expenses | 32,853.00 | 29,941.00 | 29,408.00 | 28,485.00 |
| EBT | -48,267.00 | 39,833.00 | 104,852.00 | 109,278.00 |
| Income Tax | 16,934.00 | 11,169.00 | 27,907.00 | 27,485.00 |
| Net Income | -31,333.00 | 28,664.00 | 76,945.00 | 81,793.00 |
| EBIT | 235,084.00 | 262,158.00 | 177,862.00 | 149,871.00 |
| Deprecation and Amortization | 6,144.00 | 6,445.00 | 6,475.00 | 6,048.00 |
| EBITDA | 241,228.00 | 268,603.00 | 184,337.00 | 155,919.00 |
| EPS | -0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | -0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 30.52 | 30,265.00 | 30,823.00 | 31,550.00 |
| Average Shares Outstanding Diluted | 29,949.00 | 30,265.00 | 30,823.00 | 31,550.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 12,412.00 | 34,585.00 | 85,755.00 | 88,598.00 |
| Operating Net Income | -31,333.00 | 28,664.00 | 76,945.00 | 81,793.00 |
| Deprecation and Amortization | 6,144.00 | 6,445.00 | 6,475.00 | 6,048.00 |
| Deferred Income Tax | -15,862.00 | 3,721.00 | 144.00 | -1,725.00 |
| Share Based Compensation | 2,461.00 | 5,604.00 | 6,807.00 | 6,829.00 |
| Change in Working Capital | -32,358.00 | -11,959.00 | -8,749.00 | -5,206.00 |
| Other Operating Activities | 83,360.00 | 2,110.00 | 4,133.00 | 859.00 |
| Investing Cash Flow | -505,604.00 | -94,261.00 | -351,818.00 | -106,783.00 |
| Capital Expenditure | -2,310.00 | -5,488.00 | -4,342.00 | -3,680.00 |
| Net Purchase/Sale of PPE | -2,310.00 | -5,488.00 | -4,342.00 | -3,680.00 |
| Net Purchase/Sale of Investments Net | -1,099,344.00 | -129,949.00 | -144,554.00 | -207,649.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -154,727.00 | -157,302.00 | -243,708.00 | -233,459.00 |
| Other Investing Activities | 753,087.00 | 203,966.00 | 45,128.00 | 341,685.00 |
| Financing Cash Flow | 473,609.00 | 80,079.00 | 336,094.00 | -57,480.00 |
| Net Issuance/Repayment of Debt | 73,133.00 | -209,701.00 | 242,918.00 | -218,800.00 |
| Net Issuance/Repurchase of Equity | 65,540.00 | 13,165.00 | 29,675.00 | 11,370.00 |
| Dividends Paid | 26,043.00 | 26,260.00 | 27,031.00 | 26,524.00 |
| Other Financing Activities | 308,893.00 | 250,355.00 | 36,470.00 | 123,426.00 |
| Net Change in Cash | -19,583.00 | 20,403.00 | 70,031.00 | -75,665.00 |
| Cash at Beginning of Period | 172,157.00 | 151,754.00 | 81,723.00 | 157,388.00 |
| Cash at End of Period | 152,574.00 | 172,157.00 | 151,754.00 | 81,723.00 |
| Free Cash Flow | 10,102.00 | 29,097.00 | 81,413.00 | 84,918.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 8,871,991.00 | 8,776,524.00 | 9,008,396.00 | 9,038,972.00 | 9,280,886.00 | 8,807,325.00 | 8,537,236.00 | 8,479,121.00 | 8,422,946.00 | 8,169,833.00 | 8,045,911.00 |
| Deposits | 0 | 0 | 7,628,454.00 | 7,125,851.00 | 0 | 7,171,126.00 | 6,764,879.00 | 6,655,517.00 | 6,437,183.00 | 6,373,400.00 | 6,333,532.00 |
| Cash and Short-Term Investments | 0 | 0 | 271,912.00 | 152,574.00 | 0 | 210,723.00 | 172,157.00 | 176,747.00 | 151,754.00 | 186,407.00 | 81,723.00 |
| Cash and Cash Equivalents | 125,614.00 | 129,508.00 | 271,912.00 | 152,574.00 | 244,828.00 | 210,723.00 | 172,157.00 | 176,747.00 | 151,754.00 | 186,407.00 | 81,723.00 |
| Short-Term Investments | 1,406,455.00 | 1,285,305.00 | 0 | 0 | 1,388,696.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 60,044.00 | 59,607.00 | 61,510.00 | 62,036.00 | 64,369.00 | 61,449.00 | 59,018.00 | 46,836.00 | 45,048.00 | 37,308.00 | 38,698.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 64,834.00 | 67,904.00 | 62,051.00 | 63,652.00 | 63,331.00 | 57,733.00 | 60,830.00 | 63,835.00 | 65,039.00 | 71,227.00 | 73,538.00 |
| Goodwill | 0 | 0 | 0 | 17,636.00 | 17,636.00 | 17,636.00 | 17,636.00 | 17,636.00 | 17,636.00 | 17,636.00 | 17,636.00 |
| Intangible Assets | 854.00 | 940.00 | 0 | 0 | 1,220.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 1,452,284.00 | 1,331,484.00 | 0 | 0 | 1,455,681.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,200.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 8,160,765.00 | 8,070,147.00 | 8,305,545.00 | 8,314,433.00 | 8,613,995.00 | 8,137,498.00 | 7,867,399.00 | 7,805,662.00 | 7,745,789.00 | 7,494,020.00 | 7,366,283.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 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 |
| Short-Term Debt | 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 |
| Long-Term Debt | 540,710.00 | 650,273.00 | 0 | 0 | 891,560.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 711,226.00 | 706,377.00 | 702,851.00 | 724,539.00 | 666,891.00 | 669,827.00 | 669,837.00 | 673,459.00 | 677,157.00 | 675,813.00 | 679,628.00 |
| Shareholders Equity | 711,226.00 | 706,377.00 | 702,851.00 | 724,539.00 | 666,891.00 | 669,827.00 | 669,837.00 | 673,459.00 | 677,157.00 | 675,813.00 | 679,628.00 |
| Capital Stock | 387.00 | 387.00 | 387.00 | 387.00 | 341.00 | 341.00 | 341.00 | 341.00 | 341.00 | 341.00 | 341.00 |
| Share Premium | 325,809.00 | 325,162.00 | 324,290.00 | 326,671.00 | 261,274.00 | 260,413.00 | 264,534.00 | 262,876.00 | 264,332.00 | 261,837.00 | 263,375.00 |
| Retained Earnings | 483,936.00 | 481,077.00 | 474,472.00 | 492,003.00 | 547,708.00 | 546,530.00 | 549,683.00 | 545,786.00 | 547,507.00 | 508,973.00 | 497,889.00 |
| Treasury Shares | 98,948.00 | 98,985.00 | -98,993.00 | -101,655.00 | 101,633.00 | -101,641.00 | -106,070.00 | -97,760.00 | -98,535.00 | -79,834.00 | -75,293.00 |
| Accumulated Other Comprehensive Income | 42.00 | -1,264.00 | 2,695.00 | 7,133.00 | -40,799.00 | -35,816.00 | -38,651.00 | -37,784.00 | -36,488.00 | -15,504.00 | -6,684.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 558,418.00 | 574,379.00 | 0 | 655,538.00 | 209,728.00 | 885,451.00 | 809,068.00 | 914,086.00 | 835,104.00 |
| Debt | 540,710.00 | 650,273.00 | 281,994.00 | 283,564.00 | 891,560.00 | 275,098.00 | 276,302.00 | 280,600.00 | 283,597.00 | 233,228.00 | 233,512.00 |
| Net Debt | 366,843.00 | 470,663.00 | 10,082.00 | 130,990.00 | 601,295.00 | 64,375.00 | 104,145.00 | 103,853.00 | 131,843.00 | 46,821.00 | 151,789.00 |
| Common Shares Outstanding | 33,778.44 | 33,777.01 | 33,776.69 | 33,659.07 | 29,068.90 | 29,068.56 | 28,865.81 | 29,488.46 | 29,476.39 | 30,366.54 | 30,526.35 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|
| Revenues | 58,574.00 | 63,486.00 | 1,521.00 | 52,054.00 | 1,394.00 | 1,411.00 | 1,374.00 |
| Cost Of Revenue | 0 | 0 | 4,318.00 | 0 | 592.00 | 7,508.00 | 1,358.00 |
| Interest Income | 116,440.00 | 117,374.00 | 118,599.00 | 122,560.00 | 113,465.00 | 94,076.00 | 71,371.00 |
| Interest Expense | 62,641.00 | 64,193.00 | 63,547.00 | 76,990.00 | 67,102.00 | 46,855.00 | 7,841.00 |
| Net Interest | 0 | 0 | 74,402.00 | 0 | 54,938.00 | 52,502.00 | 67,224.00 |
| Non-Interest Income | 0 | 0 | 5,074.00 | 0 | 3,084.00 | 6,908.00 | 1,313.00 |
| Non-Interest Expense | 42,049.00 | 38,989.00 | -59,676.00 | 37,434.00 | -39,892.00 | -37,703.00 | -38,794.00 |
| Provisions for Credit Losses | 0 | 0 | 4,318.00 | 0 | 592.00 | 7,508.00 | 1,358.00 |
| Gross Profit | 0 | 0 | -2,797.00 | 0 | 802.00 | -6,097.00 | 16.00 |
| Selling, General and Administrative Expenses | 26,058.00 | 24,156.00 | 8,845.00 | 23,534.00 | 8,298.00 | 7,711.00 | 7,250.00 |
| EBT | 13,678.00 | 18,936.00 | -5,931.00 | 11,457.00 | 4,997.00 | 6,959.00 | 24,640.00 |
| Income Tax | 3,231.00 | 4,733.00 | 3,865.00 | 2,551.00 | 1,313.00 | 1,801.00 | 6,421.00 |
| Net Income Including Non-Controlling Interests | 10,447.00 | 14,203.00 | 0 | 8,906.00 | 0 | 0 | 0 |
| Net Income | 10,280.00 | 14,203.00 | -9,796.00 | 8,780.00 | 3,684.00 | 5,158.00 | 18,219.00 |
| EBIT | 0 | 0 | 57,616.00 | 0 | 72,099.00 | 53,814.00 | 32,481.00 |
| Deprecation and Amortization | 1,402.00 | 1,456.00 | 1,467.00 | 1,538.00 | 1,566.00 | 1,636.00 | 1,110.00 |
| EBITDA | 0 | 0 | 59,083.00 | 0 | 73,665.00 | 55,450.00 | 33,591.00 |
| EPS | 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 |
| Average Shares Outstanding Basic | 33,939.00 | 33,929.00 | 33,932.00 | 29,319.00 | 0 | 30,265.00 | 0 |
| Average Shares Outstanding Diluted | 33,939.00 | 33,929.00 | 0 | 29,319.00 | 29,742.00 | 30,265.00 | 31,254.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 19,561.00 | 25,777.00 | 6,852.00 | 5,403.00 | -6,229.00 | -10,418.00 | 40,577.00 |
| Operating Net Income | 10,447.00 | 14,203.00 | -9,796.00 | 8,906.00 | 3,684.00 | 5,158.00 | 18,219.00 |
| Deprecation and Amortization | 1,402.00 | 1,456.00 | 1,467.00 | 1,538.00 | 1,566.00 | 1,636.00 | 1,110.00 |
| Deferred Income Tax | 2,311.00 | 3,760.00 | 2,863.00 | 2,145.00 | 922.00 | 1,136.00 | 0 |
| Share Based Compensation | 695.00 | 878.00 | 775.00 | 689.00 | 1,690.00 | 3,808.00 | 4,194.00 |
| Change in Working Capital | 3,150.00 | 8,440.00 | -8,704.00 | -6,540.00 | -16,210.00 | -27,016.00 | 14,872.00 |
| Other Operating Activities | 1,556.00 | -2,960.00 | 20,247.00 | -1,335.00 | 2,119.00 | 4,860.00 | 2,182.00 |
| Investing Cash Flow | -35,040.00 | 109,048.00 | 76,670.00 | -83,371.00 | -213,986.00 | -38,620.00 | -95,668.00 |
| Capital Expenditure | 0 | 0 | -1,702.00 | 0 | -287.00 | -1,327.00 | -874.00 |
| Net Purchase/Sale of PPE | -244.00 | -1,331.00 | -1,702.00 | -554.00 | -287.00 | -1,327.00 | -874.00 |
| Net Purchase/Sale of Investments Net | -73,964.00 | 58,247.00 | 13,341.00 | -40,847.00 | -313,562.00 | -71,981.00 | -114,611.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -154,727.00 | -157,302.00 | -243,708.00 | -233,459.00 | |||
| Other Investing Activities | 39,168.00 | 52,132.00 | 74,823.00 | -41,970.00 | 172,153.00 | 77,906.00 | 75,000.00 |
| Financing Cash Flow | 8,285.00 | -256,614.00 | 35,816.00 | 188,698.00 | 258,781.00 | 74,031.00 | 159,775.00 |
| Net Issuance/Repayment of Debt | -110,000.00 | 180,000.00 | -495,000.00 | -470,000.00 | -170,750.00 | -163,239.00 | 60,000.00 |
| Net Issuance/Repurchase of Equity | -13.00 | -2.00 | 0 | 0 | 0 | 4,709.00 | 10,845.00 |
| Dividends Paid | -7,586.00 | -7,594.00 | 7,523.00 | -6,543.00 | 6,537.00 | 6,659.00 | 6,850.00 |
| Other Financing Activities | 125,884.00 | -429,018.00 | 523,293.00 | 665,241.00 | 422,994.00 | 225,902.00 | 82,080.00 |
| Net Change in Cash | -7,194.00 | -121,789.00 | 119,338.00 | 110,730.00 | 38,566.00 | 24,993.00 | 104,684.00 |
| Cash at Beginning of Period | 150,123.00 | 271,912.00 | 152,574.00 | 156,913.00 | 172,157.00 | 151,754.00 | 81,723.00 |
| Cash at End of Period | 142,929.00 | 150,123.00 | 271,912.00 | 267,643.00 | 210,723.00 | 176,747.00 | 186,407.00 |
| Free Cash Flow | 19,317.00 | 24,446.00 | 5,150.00 | 4,849.00 | -6,516.00 | -11,745.00 | 39,703.00 |