FFIN
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 23.11 | 21.80 | 20.98 | 31.78 | 25.48 |
| Price to Sales | |||||
| Book Value Per Common Share | 11.25 | 10.50 | 8.88 | 12.36 | 11.82 |
| Price to Book | 3.20 | 2.88 | 3.88 | 4.11 | 3.06 |
| Price to Operating Cash Flow | 16.63 | 15.18 | 15.14 | 20.48 | 24.39 |
| Price to Free Cash Flow | 17.58 | 16.16 | 15.92 | 21.66 | 26.46 |
| Enterprise Value to EBITDA | 96747.38 | 95549.04 | 123914.84 | 201294.35 | 165017.76 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 90.95 | 76.55 | 83.53 | 94.90 | 79.81 | 88.68 | 86.22 | 99.60 | 113.13 | 112.00 | 116.83 |
| Price to Sales | 30.57 | 33.63 | 38.88 | ||||||||
| Book Value Per Common Share | 12.87 | 12.22 | 11.75 | 11.71 | 10.64 | 10.45 | 9.62 | 7.95 | 10.44 | 12.18 | 11.72 |
| Price to Book | 2.62 | 2.94 | 3.06 | 3.16 | 2.78 | 3.14 | 3.32 | 5.26 | 4.22 | 3.77 | 3.99 |
| Price to Operating Cash Flow | 55.69 | 83.99 | 66.84 | 65.50 | 61.91 | 47.46 | 72.55 | 38.65 | 68.64 | ||
| Price to Free Cash Flow | 57.55 | 87.67 | 68.73 | 68.08 | 65.28 | 50.83 | 75.33 | 71.08 | |||
| Enterprise Value to EBITDA | 376212.17 | 364404.16 | 428044.32 | 691556.66 | 579494.86 | 763200.81 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 12.23 | -15.24 | 2.50 | 12.68 | |
| Revenue YoY | |||||
| EBITDA YoY | 17.61 | 14.30 | 10.15 | 15.42 | |
| Net Profit YoY | 12.33 | -15.14 | 3.04 | 12.64 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | -21.28 | 9.30 | 5.41 | 0.00 | 0.00 | -11.90 | 7.69 | -4.88 | 2.50 | ||
| Revenue YoY | 2.95 | ||||||||||
| EBITDA YoY | -66.19 | 20.86 | -19.36 | 29.59 | |||||||
| Net Profit YoY | -21.59 | 8.66 | -1.56 | 5.38 | -1.71 | 1.58 | -11.41 | 6.02 | -5.02 | 3.53 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 5.35 | 3.76 | 2.32 | 3.71 | 5.13 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 7.70 | 7.74 | 9.25 | 6.45 | 5.50 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 6.49 | 2.59 | 4.21 | 3.13 | 2.57 | 4.19 | 3.94 | 7.62 | |||
| Quick Ratio | |||||||||||
| Current Ratio | |||||||||||
| Debt to Equity | 7.11 | 7.28 | 7.52 | 7.17 | 7.67 | 7.85 | 8.48 | 10.58 | 7.94 | 6.23 | 6.27 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.60 | 1.52 | 1.81 | 1.74 | 1.85 |
| ROE | 13.91 | 13.27 | 18.52 | 12.94 | 12.04 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.35 | 0.46 | 0.43 | 0.41 | 0.40 | 0.40 | 0.40 | 0.45 | 0.42 | 0.47 | 0.47 |
| ROE | 2.86 | 3.84 | 3.65 | 3.33 | 3.46 | 3.58 | 3.83 | 5.24 | 3.76 | 3.40 | 3.42 |
| Gross Margin | |||||||||||
| Operating Margin | |||||||||||
| EBITDA Margin | |||||||||||
| Net Profit Margin | 33.18 | 43.56 | 40.67 |
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 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | ||||||||
| Dividend Payout Ratio | 52.05 | 38.67 | 46.49 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 13,979,418.00 | 13,105,594.00 | 12,974,066.00 | 13,102,461.00 | 10,904,500.00 |
| Deposits | 12,099,174.00 | 11,138,300.00 | 11,005,507.00 | 10,566,488.00 | 8,675,817.00 |
| Cash and Short-Term Investments | 763,413.00 | 536,591.00 | 330,678.00 | 528,588.00 | 729,084.00 |
| Cash and Cash Equivalents | 763,413.00 | 536,591.00 | 330,678.00 | 528,588.00 | 729,084.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 7,914,000.00 | 7,149,000.00 | 6,442,000.00 | 5,389,000.00 | 5,171,000.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 151,904.00 | 151,788.00 | 152,973.00 | 149,764.00 | 142,269.00 |
| Goodwill | 313,481.00 | 313,481.00 | 313,481.00 | 313,481.00 | 313,481.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 7,148,791.00 | 6,441,868.00 | 5,388,972.00 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 12,372,858.00 | 11,606,694.00 | 11,708,329.00 | 11,343,237.00 | 9,226,310.00 |
| 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 | 135,603.00 | 22,153.00 | 642,507.00 | 671,152.00 | 430,093.00 |
| 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 | 1,606,560.00 | 1,498,900.00 | 1,265,737.00 | 1,759,224.00 | 1,678,190.00 |
| Shareholders Equity | 1,606,560.00 | 1,498,900.00 | 1,265,737.00 | 1,759,224.00 | 1,678,190.00 |
| Capital Stock | 1,429.00 | 1,427.00 | 1,427.00 | 1,425.00 | 1,422.00 |
| Share Premium | 689,338.00 | 681,246.00 | 677,593.00 | 676,871.00 | 669,644.00 |
| Retained Earnings | 1,340,082.00 | 1,219,525.00 | 1,121,945.00 | 981,675.00 | 836,729.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -424,289.00 | -403,298.00 | -535,228.00 | 99,253.00 | 170,395.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 4,617,759.00 | 11,881,553.00 | 11,916,227.00 | 11,962,151.00 | 4,393,029.00 |
| Debt | 135,603.00 | 22,153.00 | 642,507.00 | 671,152.00 | 430,093.00 |
| Net Debt | 0 | 0 | 311,829.00 | 142,564.00 | 0 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 13,821.00 | 10,631.00 | 17,427.00 | 1,139.00 | 19,517.00 |
| Interest Income | 628,918.00 | 528,070.00 | 432,854.00 | 376,405.00 | 364,128.00 |
| Interest Expense | 202,177.00 | 144,261.00 | 31,440.00 | 6,042.00 | 14,243.00 |
| Net Interest | 426,741.00 | 383,809.00 | 401,414.00 | 370,363.00 | 349,885.00 |
| Non-Interest Income | 123,989.00 | 108,003.00 | 131,665.00 | 142,176.00 | 139,935.00 |
| Non-Interest Expense | -265,063.00 | -237,882.00 | -234,778.00 | -241,708.00 | -227,938.00 |
| Provisions for Credit Losses | 13,821.00 | 10,631.00 | 17,427.00 | -1,139.00 | -19,517.00 |
| Selling, General and Administrative Expenses | 14,579.00 | 13,766.00 | 13,307.00 | 13,009.00 | 12,388.00 |
| EBT | 271,846.00 | 243,299.00 | 280,874.00 | 271,970.00 | 242,365.00 |
| Income Tax | 48,335.00 | 44,322.00 | 46,399.00 | 44,408.00 | 40,331.00 |
| Net Income | 223,511.00 | 198,977.00 | 234,475.00 | 227,562.00 | 202,034.00 |
| EBIT | 474,023.00 | 387,560.00 | 312,314.00 | 278,012.00 | 256,608.00 |
| Deprecation and Amortization | 58,157.00 | 64,921.00 | 83,550.00 | 81,369.00 | 54,752.00 |
| EBITDA | 532,180.00 | 452,481.00 | 395,864.00 | 359,381.00 | 311,360.00 |
| 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 | 142,822.88 | 142,688.58 | 142,596.25 | 142,291.94 | 142,032.42 |
| Average Shares Outstanding Diluted | 143,232.52 | 142,938.98 | 143,207.90 | 143,134.22 | 142,544.99 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 309,641.00 | 284,822.00 | 323,940.00 | 353,231.00 | 210,668.00 |
| Operating Net Income | 223,511.00 | 198,977.00 | 234,475.00 | 227,562.00 | 202,034.00 |
| Deprecation and Amortization | 58,157.00 | 64,921.00 | 83,550.00 | 81,369.00 | 54,752.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 4,934.00 | 4,256.00 | 0 | 0 | 0 |
| Change in Working Capital | 4,055.00 | 2,768.00 | -26,894.00 | 1,389.00 | 889.00 |
| Other Operating Activities | 18,984.00 | 13,900.00 | 32,809.00 | 42,911.00 | -47,007.00 |
| Investing Cash Flow | -736,878.00 | 127,292.00 | -838,005.00 | -2,611,650.00 | -1,262,202.00 |
| Capital Expenditure | -16,720.00 | -17,251.00 | -15,784.00 | -19,205.00 | -16,450.00 |
| Net Purchase/Sale of PPE | -16,720.00 | -17,251.00 | -15,784.00 | -19,205.00 | -16,450.00 |
| Net Purchase/Sale of Investments Net | 43,646.00 | 849,204.00 | 226,518.00 | -2,381,482.00 | -779,092.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 61,028.00 |
| Net Loan & Lease Activity | -765,702.00 | -708,432.00 | -1,049,925.00 | -211,786.00 | -529,144.00 |
| Other Investing Activities | 18,618.00 | 21,022.00 | 16,970.00 | 20,028.00 | 17,906.00 |
| Financing Cash Flow | 654,059.00 | -206,201.00 | 316,155.00 | 2,057,923.00 | 1,498,014.00 |
| Net Issuance/Repayment of Debt | -207,062.00 | -238,426.00 | -28,645.00 | 241,059.00 | 48,737.00 |
| Net Issuance/Repurchase of Equity | 3,160.00 | -603.00 | -2,904.00 | 5,905.00 | -3,291.00 |
| Dividends Paid | 102,913.00 | 99,965.00 | 91,315.00 | 79,712.00 | 70,318.00 |
| Other Financing Activities | 755,048.00 | -67,137.00 | 256,389.00 | 1,731,247.00 | 1,382,250.00 |
| Net Change in Cash | 226,822.00 | 205,913.00 | -197,910.00 | -200,496.00 | 446,480.00 |
| Cash at Beginning of Period | 536,591.00 | 330,678.00 | 0 | 0 | 0 |
| Cash at End of Period | 763,413.00 | 536,591.00 | 0 | 0 | 0 |
| Free Cash Flow | 292,921.00 | 267,571.00 | 308,156.00 | 334,026.00 | 194,218.00 |
| 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 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 14,841,528.00 | 14,376,841.00 | 14,312,114.00 | 13,979,418.00 | 13,582,932.00 | 13,164,075.00 | 13,191,158.00 | 13,105,594.00 | 13,007,986.00 | 12,974,066.00 | 13,110,344.00 | 13,314,200.00 | 13,102,461.00 | 12,543,258.00 | 12,102,887.00 | 10,904,500.00 |
| Deposits | 0 | 0 | 12,466,771.00 | 12,099,174.00 | 0 | 11,409,157.00 | 11,289,808.00 | 11,138,300.00 | 10,936,418.00 | 11,005,507.00 | 11,142,118.00 | 10,999,825.00 | 10,566,488.00 | 9,893,117.00 | 9,413,447.00 | 8,675,817.00 |
| Cash and Short-Term Investments | 0 | 0 | 927,055.00 | 763,413.00 | 0 | 369,377.00 | 600,161.00 | 536,591.00 | 446,211.00 | 330,678.00 | 365,782.00 | 597,753.00 | 528,588.00 | 561,142.00 | 1,083,571.00 | 729,084.00 |
| Cash and Cash Equivalents | 639,046.00 | 699,612.00 | 927,055.00 | 763,413.00 | 583,664.00 | 369,377.00 | 600,161.00 | 536,591.00 | 446,211.00 | 330,678.00 | 365,782.00 | 597,753.00 | 528,588.00 | 561,142.00 | 1,083,571.00 | 729,084.00 |
| Short-Term Investments | 2,924,885.00 | 2,696,395.00 | 0 | 0 | 4,612,299.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 0 | 0 | 7,946,000.00 | 7,914,000.00 | 0 | 7,520,000.00 | 7,230,000.00 | 7,149,000.00 | 6,576,000.00 | 6,442,000.00 | 6,256,000.00 | 5,566,000.00 | 5,389,000.00 | 5,286,000.00 | 5,323,000.00 | 5,171,000.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 149,651.00 | 148,999.00 | 150,589.00 | 151,904.00 | 151,204.00 | 153,075.00 | 151,953.00 | 151,788.00 | 153,718.00 | 152,973.00 | 152,646.00 | 150,168.00 | 149,764.00 | 147,516.00 | 142,415.00 | 142,269.00 |
| Goodwill | 0 | 0 | 0 | 313,481.00 | 0 | 0 | 0 | 313,481.00 | 0 | 313,481.00 | 0 | 0 | 313,481.00 | 0 | 0 | 313,481.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 2,924,885.00 | 2,696,395.00 | 0 | 0 | 4,612,299.00 | 0 | 0 | 7,148,791.00 | 6,576,215.00 | 6,441,868.00 | 6,255,488.00 | 5,566,169.00 | 5,388,972.00 | 5,286,494.00 | 0 | 0 |
| Non-Current Deferred Assets | 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 |
| Liabilities | 13,011,260.00 | 12,639,489.00 | 12,631,853.00 | 12,372,858.00 | 11,920,741.00 | 11,645,049.00 | 11,699,791.00 | 11,606,694.00 | 11,635,133.00 | 11,708,329.00 | 11,977,729.00 | 11,825,451.00 | 11,343,237.00 | 10,809,523.00 | 10,437,459.00 | 9,226,310.00 |
| Payables and Expenses | 27,263.00 | 52,171.00 | 0 | 0 | 31,155.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 174,236.00 | 0 | 0 |
| Account Payables | 0 | 24,965.00 | 0 | 0 | 5,416.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 174,236.00 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 26,978.00 | 135,603.00 | 0 | 23,703.00 | 26,803.00 | 22,153.00 | 632,927.00 | 642,507.00 | 774,581.00 | 758,595.00 | 671,152.00 | 648,679.00 | 548,604.00 | 430,093.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 21,056.00 | 21,053.00 | 0 | 0 | 21,053.00 | 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 |
| Equity | 1,830,268.00 | 1,737,352.00 | 1,680,261.00 | 1,606,560.00 | 1,662,191.00 | 1,519,026.00 | 1,491,367.00 | 1,498,900.00 | 1,372,853.00 | 1,265,737.00 | 1,132,615.00 | 1,488,749.00 | 1,759,224.00 | 1,733,735.00 | 1,665,428.00 | 1,678,190.00 |
| Shareholders Equity | 1,830,268.00 | 1,737,352.00 | 1,680,261.00 | 1,606,560.00 | 1,662,191.00 | 1,519,026.00 | 1,491,367.00 | 1,498,900.00 | 1,372,853.00 | 1,265,737.00 | 1,132,615.00 | 1,488,749.00 | 1,759,224.00 | 1,733,735.00 | 1,665,428.00 | 1,678,190.00 |
| Capital Stock | 1,432.00 | 1,431.00 | 1,430.00 | 1,429.00 | 1,429.00 | 1,428.00 | 1,428.00 | 1,427.00 | 1,427.00 | 1,427.00 | 1,426.00 | 1,427.00 | 1,425.00 | 1,425.00 | 1,423.00 | 1,422.00 |
| Share Premium | 697,308.00 | 694,273.00 | 692,068.00 | 689,338.00 | 687,065.00 | 685,209.00 | 683,997.00 | 681,246.00 | 679,429.00 | 677,593.00 | 676,067.00 | 680,665.00 | 676,871.00 | 675,139.00 | 671,849.00 | 669,644.00 |
| Retained Earnings | 1,440,107.00 | 1,415,104.00 | 1,375,652.00 | 1,340,082.00 | 1,303,514.00 | 1,273,946.00 | 1,247,169.00 | 1,219,525.00 | 1,150,246.00 | 1,121,945.00 | 1,087,543.00 | 1,016,239.00 | 981,675.00 | 947,724.00 | 875,147.00 | 836,729.00 |
| Treasury Shares | 13,984.00 | 13,594.00 | 0 | 0 | 12,653.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -308,579.00 | -373,456.00 | -388,889.00 | -424,289.00 | -329,817.00 | -441,557.00 | -441,227.00 | -403,298.00 | -458,249.00 | -535,228.00 | -632,421.00 | -209,582.00 | 99,253.00 | 109,447.00 | 117,009.00 | 170,395.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 4,760,431.00 | 4,617,759.00 | 0 | 4,573,024.00 | 4,658,526.00 | 11,881,553.00 | 11,874,772.00 | 11,916,227.00 | 12,000,931.00 | 12,068,664.00 | 11,962,151.00 | 11,406,478.00 | 5,109,631.00 | 4,393,029.00 |
| Debt | 21,056.00 | 21,053.00 | 26,978.00 | 135,603.00 | 21,053.00 | 23,703.00 | 26,803.00 | 22,153.00 | 632,927.00 | 642,507.00 | 774,581.00 | 758,595.00 | 671,152.00 | 648,679.00 | 548,604.00 | 430,093.00 |
| Net Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 186,716.00 | 311,829.00 | 408,799.00 | 160,842.00 | 142,564.00 | 87,537.00 | 0 | 0 |
| Common Shares Outstanding | 142,257.15 | 142,147.84 | 0 | 0 | 141,974.65 | 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 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 157,533.00 | 153,012.00 | 0 | 0 | 135,999.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cost Of Revenue | 0 | 0 | 3,528.00 | 7,125.00 | 0 | 5,888.00 | 808.00 | 2,781.00 | 3,221.00 | 4,782.00 | 0 | 1,997.00 |
| Interest Income | 181,356.00 | 173,620.00 | 167,110.00 | 164,433.00 | 161,317.00 | 153,673.00 | 149,495.00 | 121,508.00 | 112,728.00 | 97,009.00 | 97,198.00 | 90,610.00 |
| Interest Expense | 52,691.00 | 49,080.00 | 48,321.00 | 49,675.00 | 52,849.00 | 50,400.00 | 49,253.00 | 25,222.00 | 9,572.00 | 1,570.00 | 1,416.00 | 1,786.00 |
| Net Interest | 0 | 0 | 118,789.00 | 223,226.00 | 0 | 103,273.00 | 100,242.00 | 96,286.00 | 103,156.00 | 95,439.00 | 95,782.00 | 88,824.00 |
| Non-Interest Income | 0 | 0 | 30,230.00 | 63,338.00 | 0 | 31,268.00 | 29,383.00 | 28,007.00 | 30,943.00 | 34,881.00 | 37,726.00 | 34,874.00 |
| Non-Interest Expense | 65,568.00 | 64,038.00 | -70,335.00 | -194,782.00 | 58,671.00 | -65,012.00 | -63,940.00 | -57,256.00 | -59,442.00 | -59,225.00 | -62,939.00 | -57,723.00 |
| Provisions for Credit Losses | 0 | 0 | 3,528.00 | 7,125.00 | 0 | 5,888.00 | 808.00 | 2,781.00 | 3,221.00 | 4,782.00 | 0 | 1,997.00 |
| Selling, General and Administrative Expenses | 45,810.00 | 45,794.00 | 3,720.00 | -32,987.00 | 40,478.00 | 3,618.00 | 3,470.00 | 3,430.00 | 3,440.00 | 3,225.00 | 3,288.00 | 3,147.00 |
| EBT | 63,164.00 | 81,736.00 | 75,156.00 | 75,992.00 | 67,336.00 | 63,641.00 | 64,877.00 | 64,256.00 | 71,436.00 | 66,313.00 | 70,569.00 | 67,972.00 |
| Income Tax | 10,897.00 | 15,078.00 | 13,810.00 | 13,671.00 | 12,028.00 | 11,156.00 | 11,480.00 | 11,688.00 | 12,095.00 | 10,341.00 | 11,641.00 | 11,054.00 |
| Net Income Including Non-Controlling Interests | 52,267.00 | 66,658.00 | 0 | 0 | 55,308.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Income | 52,267.00 | 66,658.00 | 61,346.00 | 62,321.00 | 55,308.00 | 52,485.00 | 53,397.00 | 52,568.00 | 59,341.00 | 55,972.00 | 58,928.00 | 56,918.00 |
| EBIT | 0 | 0 | 123,477.00 | 245,852.00 | 0 | 114,041.00 | 114,130.00 | 89,478.00 | 81,008.00 | 67,883.00 | 71,985.00 | 69,758.00 |
| Deprecation and Amortization | 3,869.00 | 2,962.00 | 13,006.00 | 40,311.00 | 3,472.00 | 0.00 | 14,374.00 | 16,844.00 | 0.00 | 23,067.00 | 40,803.00 | 17,276.00 |
| EBITDA | 0 | 0 | 136,483.00 | 403,676.00 | 0 | 0 | 128,504.00 | 106,322.00 | 0 | 90,950.00 | 112,788.00 | 87,034.00 |
| 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 |
| 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 |
| Average Shares Outstanding Basic | 143,105.22 | 143,023.54 | 142,949.51 | 142,899.27 | 142,853.21 | 142,814.36 | 142,724.67 | 142,665.65 | 142,524.50 | 142,558.74 | 142,334.45 | 142,146.27 |
| Average Shares Outstanding Diluted | 143,474.17 | 143,378.51 | 143,355.15 | 143,622.84 | 143,188.86 | 143,088.93 | 143,029.45 | 143,066.01 | 143,126.09 | 143,302.06 | 143,218.92 | 143,002.66 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 86,459.00 | 61,275.00 | 76,826.00 | 153,282.00 | 80,716.00 | 0.00 | 75,643.00 | 95,887.00 | 0 | 86,685.00 | 169,101.00 | 96,769.00 |
| Operating Net Income | 52,266.00 | 66,658.00 | 61,346.00 | 114,806.00 | 55,308.00 | 0.00 | 53,397.00 | 52,568.00 | 0 | 55,972.00 | -229,143.00 | 56,918.00 |
| Deprecation and Amortization | 3,869.00 | 2,962.00 | 13,006.00 | 40,311.00 | 3,472.00 | 0.00 | 14,374.00 | 16,844.00 | 0 | 23,067.00 | 40,803.00 | 17,276.00 |
| Deferred Income Tax | -1.00 | 0 | 0 | 0 | 535.00 | 0.00 | 0 | 0 | 0 | 0 | 0.00 | 0 |
| Share Based Compensation | 1,600.00 | 1,531.00 | 1,927.00 | 2,550.00 | 1,255.00 | 0.00 | 1,129.00 | 0 | 0 | 0 | 0.00 | 0 |
| Change in Working Capital | -5,658.00 | -34,538.00 | 2,807.00 | -6,356.00 | 2,781.00 | 0.00 | 7,630.00 | 24,622.00 | 0 | -5,056.00 | -5,637.00 | 9,708.00 |
| Other Operating Activities | 34,383.00 | 0 | -2,260.00 | 2,506.00 | 17,365.00 | 0.00 | -887.00 | 1,853.00 | 0 | 12,702.00 | 363,078.00 | 12,867.00 |
| Investing Cash Flow | -518,510.00 | -223,108.00 | -142,396.00 | -558,463.00 | -108,904.00 | 0.00 | -69,511.00 | 121,674.00 | 0 | -519,836.00 | -1,234,193.00 | -581,844.00 |
| Capital Expenditure | 0 | 0 | -2,115.00 | -12,808.00 | 0 | 0.00 | -3,912.00 | -6,347.00 | 0.00 | -3,193.00 | 0.00 | -3,322.00 |
| Net Purchase/Sale of PPE | -2,685.00 | -1,469.00 | -2,115.00 | -11,253.00 | -1,555.00 | 0.00 | -3,912.00 | -6,347.00 | 0 | -3,193.00 | -10,960.00 | -3,322.00 |
| Net Purchase/Sale of Investments Net | -326,757.00 | -91,508.00 | -107,301.00 | -67,723.00 | 96,357.00 | 0.00 | 15,012.00 | 259,572.00 | 17,081.00 | -340,293.00 | -1,261,809.00 | -430,327.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0 | 0.00 | 0 |
| Net Loan & Lease Activity | -765,702.00 | -708,432.00 | -1,049,925.00 | -211,786.00 | -529,144.00 | |||||||
| Other Investing Activities | -189,068.00 | -130,131.00 | 2,115.00 | 218,371.00 | -203,706.00 | 0.00 | 3,953.00 | 8,770.00 | 0 | 3,193.00 | 365.00 | 3,742.00 |
| Financing Cash Flow | 374,485.00 | -56,860.00 | 229,212.00 | 354,146.00 | 242,475.00 | 0.00 | 57,438.00 | -102,028.00 | 0 | 502,316.00 | 542,663.00 | 839,562.00 |
| Net Issuance/Repayment of Debt | 2,423.00 | -13,405.00 | -113,435.00 | -57,963.00 | -79,118.00 | 0.00 | -69,981.00 | -9,581.00 | 0 | 87,443.00 | 100,075.00 | 118,511.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 804.00 | 1,537.00 | 0 | 0.00 | 1,623.00 | 913.00 | 0 | 2,921.00 | 2,769.00 | 1,904.00 |
| Dividends Paid | -27,206.00 | -25,775.00 | 25,754.00 | 102,914.00 | -25,713.00 | 0.00 | 25,712.00 | 24,271.00 | 0 | 21,385.00 | 39,851.00 | 18,483.00 |
| Other Financing Activities | 0 | 0 | 316,089.00 | 654,964.00 | 0 | 0.00 | 100,084.00 | -117,631.00 | 0 | 390,567.00 | 399,968.00 | 700,664.00 |
| Net Change in Cash | -57,566.00 | -218,693.00 | 163,642.00 | -51,035.00 | 214,287.00 | 0.00 | 63,570.00 | 115,533.00 | 0 | 69,165.00 | -522,429.00 | 354,487.00 |
| Cash at Beginning of Period | 708,362.00 | 927,055.00 | 763,413.00 | 814,448.00 | 369,377.00 | 0 | 536,591.00 | 330,678.00 | 0 | 0 | 0 | 0 |
| Cash at End of Period | 650,796.00 | 708,362.00 | 927,055.00 | 763,413.00 | 583,664.00 | 369,377.00 | 600,161.00 | 446,211.00 | 365,782.00 | 0 | 0 | 0 |
| Free Cash Flow | 83,671.00 | 58,703.00 | 74,711.00 | 143,528.00 | 77,662.00 | 0.00 | 71,731.00 | 89,540.00 | 0 | 83,492.00 | 0.00 | 93,447.00 |