FFWM
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | -4.40 | -2.74 | 7.31 | 10.27 | 10.58 |
| Price to Sales | 11.24 | 15.49 | 20.85 | 31.24 | 30.30 |
| Book Value Per Common Share | 51.16 | 65.60 | 80.42 | 94.01 | 62.34 |
| Price to Book | 0.12 | 0.15 | 0.18 | 0.26 | 0.32 |
| Price to Operating Cash Flow | -15.45 | 112.56 | 9.73 | 15.87 | 14.66 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 70241.80 | 36138.27 | 16433.75 | 26282.90 | 23913.96 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 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 | -3.11 | -510.00 | 64.88 | -4.80 | 93.57 | 755.00 | -1.70 | -1.10 | 49.67 | 10.99 | 17.96 | 44.16 | 13.77 | 20.84 | 46.92 | |
| Price to Sales | 17.54 | 23.98 | 47.92 | 13.89 | 20.79 | 49.51 | 12.88 | 12.57 | 47.76 | 35.22 | 57.56 | 134.50 | 44.58 | 58.91 | 125.66 | |
| Book Value Per Common Share | 11.10 | 12.75 | 12.87 | 51.16 | 15.77 | 16.50 | 16.44 | 16.29 | 16.23 | 20.11 | 19.88 | 19.53 | 19.17 | 17.13 | 16.40 | 15.98 |
| Price to Book | 0.50 | 0.40 | 0.40 | 0.12 | 0.40 | 0.40 | 0.46 | 0.37 | 0.24 | 0.37 | 0.91 | 1.05 | 1.27 | 1.54 | 1.37 | 1.47 |
| Price to Operating Cash Flow | -60.15 | -25.00 | -774.63 | 30.44 | -193.79 | 59.12 | 8.48 | 8.81 | 44.32 | 10.21 | 16.44 | 34.00 | 16.79 | 24.78 | 32.15 | |
| Price to Free Cash Flow | ||||||||||||||||
| Enterprise Value to EBITDA | 33178.29 | 24984.76 | 44385.53 | 37640.52 | 15741.52 | 34471.50 | 46550.96 | 62658.92 | 112849.73 | 279495.84 | 88953.76 | 130459.93 | 284486.32 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -19.01 | 28.04 | |||
| Revenue YoY | 2.71 | -9.06 | 7.68 | 22.25 | |
| EBITDA YoY | -51.82 | -69.29 | 14.91 | 14.69 | |
| Net Profit YoY | 4.53 | -95.31 | 0.91 | 29.80 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 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 | 600.00 | 44.74 | 107.27 | 76.85 | 116.00 | |||||||||||
| Revenue YoY | 49.30 | 96.43 | 51.48 | 106.61 | 49.47 | 102.50 | 44.67 | 97.02 | 54.47 | 104.78 | ||||||
| EBITDA YoY | -17.47 | 74.55 | -52.18 | 90.16 | -70.21 | -49.03 | 59.46 | 108.84 | -72.99 | 71.45 | 109.42 | |||||
| Net Profit YoY | -57.87 | -70.09 | -16.74 | 258.41 | 75.13 | -79.40 | 45.21 | 108.04 | 76.90 | 116.55 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 31.28 | 47.50 | 23.87 | 50.39 | 28.33 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.80 | 0.83 | 0.79 | 0.75 | 0.75 |
| 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 | 2023-09-30 | 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 | 21.19 | 13.05 | 12.56 | 24.91 | 18.79 | 25.44 | 28.42 | 14.68 | 16.59 | 23.54 | 5.91 | 3.36 | 16.65 | 17.51 | 21.68 | 10.48 |
| Quick Ratio | ||||||||||||||||
| Current Ratio | ||||||||||||||||
| Debt to Equity | 11.98 | 10.03 | 10.87 | 0.80 | 11.50 | 13.70 | 13.63 | 13.20 | 13.03 | 11.01 | 9.99 | 9.20 | 8.68 | 9.09 | 9.82 | 8.87 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.02 | 0.02 | 0.40 | 0.51 | 0.58 |
| ROE | 0.04 | 0.03 | 0.72 | 0.89 | 1.01 |
| Gross Margin | 42.86 | 98.63 | 98.63 | 89.27 | 77.11 |
| Operating Margin | 159.74 | 397.72 | 1263.93 | 1182.37 | 1249.31 |
| EBITDA Margin | 200.94 | 428.35 | 1268.37 | 1188.53 | 1266.89 |
| Net Profit Margin | 14.96 | 14.70 | 284.92 | 304.01 | 286.34 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 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 | 0.01 | 0.02 | 0.06 | 0.03 | 0.04 | 0.01 | 0.03 | 0.02 | 0.08 | 0.76 | 0.57 | 0.29 | 1.11 | 0.61 | 0.32 | |
| ROE | 0.11 | 0.22 | 0.73 | 0.38 | 0.53 | 0.15 | 0.41 | 0.23 | 0.91 | 8.30 | 5.82 | 2.85 | 11.17 | 6.60 | 3.13 | |
| Gross Margin | -170.77 | 66.99 | 61.69 | 99.80 | 98.71 | 93.30 | 97.33 | 92.68 | 95.26 | 97.79 | 96.92 | 92.23 | 99.95 | 97.64 | 95.69 | |
| Operating Margin | 529.75 | 957.60 | 1078.66 | 364.80 | 1245.71 | 1298.27 | -500.84 | -1286.74 | 1011.15 | 559.95 | 508.40 | 468.23 | 494.68 | 444.24 | 433.29 | |
| EBITDA Margin | 530.45 | 959.67 | 1079.96 | 417.17 | 1321.54 | 1435.81 | -478.22 | -1274.34 | 1025.67 | 562.23 | 510.10 | 481.22 | 501.22 | 451.59 | 441.57 | |
| Net Profit Margin | 3.72 | 13.20 | 86.66 | 15.14 | 27.55 | 15.88 | 14.02 | 11.96 | 117.59 | 320.52 | 319.32 | 302.40 | 324.25 | 283.14 | 267.76 |
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 | 2023-09-30 | 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 | 26,540,268.00 | 27,779,603.00 | 27,373,679.00 | 21,517,440.00 | 14,633,816.00 |
| Deposits | 19,742,958.00 | 21,381,364.00 | 10,362,612.00 | 8,811,960.00 | 5,913,433.00 |
| Cash and Short-Term Investments | 2,051,762.00 | 2,680,326.00 | 1,346,855.00 | 2,281,339.00 | 1,264,452.00 |
| Cash and Cash Equivalents | 2,039,964.00 | 2,668,558.00 | 1,337,088.00 | 2,265,314.00 | 1,264,114.00 |
| Short-Term Investments | 11,798.00 | 11,768.00 | 9,767.00 | 16,025.00 | 338.00 |
| Net Receivables | 54,804.00 | 162,489.00 | 0 | 6,906,728.00 | 4,818,135.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 94,061.00 | 106,441.00 | 103,626.00 | 95,360.00 | 30,547.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 3,558.00 | 4,948.00 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 163,285.00 | 29,142.00 | 24,198.00 | 20,835.00 | 8,603.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 11,788,277.00 | 12,601,669.00 | 12,090,744.00 | 9,193,134.00 | 6,285,234.00 |
| 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 | 400,000.00 | 100,000.00 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 14,751,991.00 | 15,177,934.00 | 15,282,935.00 | 12,324,306.00 | 8,348,582.00 |
| Shareholders Equity | 4,213,452.00 | 3,701,372.00 | 4,537,512.00 | 4,256,204.00 | 2,782,844.00 |
| Capital Stock | 175,462.00 | 56.00 | 56.00 | 56.00 | 45.00 |
| Share Premium | 849,509.00 | 720,899.00 | 719,606.00 | 720,744.00 | 433,941.00 |
| Retained Earnings | 125,038.00 | 218,575.00 | 426,659.00 | 340,976.00 | 247,638.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -8,915.00 | -14,187.00 | -11,943.00 | 2,275.00 | 14,087.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 44,050.00 | 25,162.00 | 6,210.00 | 7,160,688.00 | 4,844,556.00 |
| Debt | 693,836.00 | 693,588.00 | 805,000.00 | 195,000.00 | 196,000.00 |
| Common Shares Outstanding | 82,365.39 | 0 | 0 | 0 | 0 |
| Preferred Shares Outstanding | 29.81 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 36,229.00 | 35,272.00 | 38,787.00 | 36,022.00 | 29,465.00 |
| Cost Of Revenue | 20,700.00 | 482.00 | 532.00 | 3,866.00 | 6,746.00 |
| Interest Income | 610,996.00 | 573,691.00 | 403,878.00 | 247,218.00 | 243,891.00 |
| Interest Expense | 428,352.00 | 743,108.00 | 85,188.00 | 13,934.00 | 47,247.00 |
| Net Interest | 182,644.00 | 202,305.00 | 318,690.00 | 233,284.00 | 196,644.00 |
| Non-Interest Income | -147,884.00 | -91,036.00 | 213,624.00 | 254,727.00 | 196,106.00 |
| Non-Interest Expense | 240,310.00 | 458,083.00 | 438,467.00 | 301,337.00 | 254,870.00 |
| Provisions for Credit Losses | 20,700.00 | -482.00 | 0 | 0 | 0 |
| Gross Profit | 15,529.00 | 34,790.00 | 38,255.00 | 32,156.00 | 22,719.00 |
| Operating Expenses | 0 | 236,950.00 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 76,575.00 | 55,619.00 | 52,854.00 | 40,531.00 | 32,897.00 |
| Other Operating Expenses | 0 | 181,331.00 | 0 | 0 | 0 |
| Operating Income | 0 | -202,160.00 | 0 | 0 | 0 |
| EBT | -370,479.00 | -602,823.00 | 405,051.00 | 411,980.00 | 320,863.00 |
| Income Tax | 93,258.00 | 5,631.00 | 34,224.00 | 41,173.00 | 33,358.00 |
| Net Income | 5,421.00 | 5,186.00 | 110,512.00 | 109,511.00 | 84,369.00 |
| EBIT | 57,873.00 | 140,285.00 | 490,239.00 | 425,914.00 | 368,110.00 |
| Deprecation and Amortization | 14,926.00 | 10,803.00 | 1,724.00 | 2,219.00 | 5,179.00 |
| EBITDA | 72,799.00 | 151,088.00 | 491,963.00 | 428,133.00 | 373,289.00 |
| 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 | 65,598.43 | 56,426.09 | 56,422.45 | 45,272.18 | 44,639.43 |
| Average Shares Outstanding Diluted | 65,598.43 | 56,426.09 | 56,490.06 | 45,459.54 | 44,900.81 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | -26,369.00 | 4,853.00 | 83,100.00 | 70,905.00 | 60,884.00 |
| Operating Net Income | -92,407.00 | -199,064.00 | 110,512.00 | 109,511.00 | 84,369.00 |
| Deprecation and Amortization | 14,926.00 | 10,803.00 | 1,724.00 | 2,219.00 | -5,179.00 |
| Deferred Income Tax | -57,716.00 | -1,205.00 | -4,010.00 | -1,777.00 | -1,164.00 |
| Share Based Compensation | 2,796.00 | 1,822.00 | 3,620.00 | 2,871.00 | 2,173.00 |
| Change in Working Capital | -19,497.00 | -14,746.00 | 44,139.00 | 65,481.00 | 38,350.00 |
| Other Operating Activities | 125,529.00 | 207,243.00 | -72,885.00 | -107,400.00 | -57,665.00 |
| Investing Cash Flow | 87,364.00 | 147,379.00 | -3,341,282.00 | -57,383.00 | -25,400.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 2,772.00 | 8,211.00 | 7,971.00 | 3,207.00 | 2,862.00 |
| Net Purchase/Sale of Investments Net | 3,228,258.00 | 934,204.00 | 425,310.00 | 726,434.00 | 327,109.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 1,145,340.00 | 0 |
| Net Loan & Lease Activity | -344,929.00 | -540,971.00 | 0 | 0 | 0 |
| Other Investing Activities | -2,798,737.00 | -254,065.00 | -3,774,563.00 | -1,932,364.00 | -355,371.00 |
| Financing Cash Flow | -379,063.00 | 509,083.00 | 2,795,239.00 | 495,599.00 | 526,464.00 |
| Net Issuance/Repayment of Debt | 62.00 | -39,876.00 | 149,139.00 | 47,282.00 | 4,000.00 |
| Net Issuance/Repurchase of Equity | 456,147.00 | 854.00 | 8,141.00 | 6,995.00 | 7,471.00 |
| Dividends Paid | 1,130.00 | 9,020.00 | 24,830.00 | 16,173.00 | 12,504.00 |
| Other Financing Activities | -836,402.00 | 539,085.00 | 2,613,129.00 | 425,149.00 | 502,489.00 |
| Net Change in Cash | -318,068.00 | 661,315.00 | -462,943.00 | 509,121.00 | 561,948.00 |
| Cash at Beginning of Period | 1,334,200.00 | 665,314.00 | 1,119,437.00 | 612,636.00 | 67,759.00 |
| Cash at End of Period | 1,016,132.00 | 1,326,629.00 | 656,494.00 | 1,121,757.00 | 629,707.00 |
| 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 | 11,910,044.00 | 11,588,362.00 | 12,588,397.00 | 26,540,268.00 | 13,376,561.00 | 13,714,423.00 | 13,586,275.00 | 27,779,603.00 | 13,051,564.00 | 12,840,554.00 | 13,616,184.00 | 27,373,679.00 | 12,328,863.00 | 11,249,240.00 | 10,474,796.00 | 21,517,440.00 | 7,735,063.00 | 7,939,134.00 | 7,051,832.00 | 14,633,816.00 |
| Deposits | 9,293,071.00 | 8,593,693.00 | 9,561,645.00 | 19,742,958.00 | 10,304,604.00 | 10,756,344.00 | 10,638,970.00 | 21,381,364.00 | 10,812,194.00 | 10,806,986.00 | 10,051,706.00 | 10,362,612.00 | 9,549,856.00 | 9,538,744.00 | 8,957,518.00 | 8,811,960.00 | 6,844,978.00 | 7,106,802.00 | 6,245,821.00 | 5,913,433.00 |
| Cash and Short-Term Investments | 1,745,868.00 | 1,075,113.00 | 1,034,754.00 | 2,051,762.00 | 1,127,702.00 | 1,437,731.00 | 1,605,112.00 | 2,680,326.00 | 828,275.00 | 935,855.00 | 1,326,887.00 | 1,346,855.00 | 333,847.00 | 189,549.00 | 940,279.00 | 2,281,339.00 | 783,916.00 | 970,104.00 | 468,460.00 | 1,264,452.00 |
| Cash and Cash Equivalents | 1,734,069.00 | 1,063,314.00 | 1,022,955.00 | 2,039,964.00 | 1,115,922.00 | 1,425,986.00 | 1,593,336.00 | 2,668,558.00 | 818,501.00 | 926,081.00 | 1,317,129.00 | 1,337,088.00 | 317,818.00 | 173,524.00 | 931,710.00 | 2,265,314.00 | 783,376.00 | 969,646.00 | 468,026.00 | 1,264,114.00 |
| Short-Term Investments | 11,799.00 | 11,799.00 | 11,799.00 | 11,798.00 | 11,780.00 | 11,745.00 | 11,776.00 | 11,768.00 | 9,774.00 | 9,774.00 | 9,758.00 | 9,767.00 | 16,029.00 | 16,025.00 | 8,569.00 | 16,025.00 | 540.00 | 458.00 | 434.00 | 338.00 |
| Net Receivables | 45,103.00 | 50,538.00 | 51,132.00 | 54,804.00 | 53,766.00 | 58,325.00 | 53,446.00 | 162,489.00 | 51,303.00 | 0 | 0 | 0 | 0 | 8,940,241.00 | 7,397,464.00 | 6,906,728.00 | 5,311,273.00 | 5,515,296.00 | 5,119,250.00 | 4,818,135.00 |
| 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 | 35,420.00 | 35,890.00 | 36,647.00 | 94,061.00 | 36,605.00 | 37,035.00 | 40,019.00 | 106,441.00 | 39,203.00 | 36,584.00 | 37,530.00 | 103,626.00 | 36,607.00 | 37,160.00 | 35,904.00 | 95,360.00 | 8,091.00 | 8,183.00 | 7,817.00 | 30,547.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 215,200.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 2,672.00 | 2,947.00 | 3,245.00 | 3,558.00 | 3,888.00 | 4,222.00 | 4,578.00 | 4,948.00 | 5,337.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 87,006.00 | 80,000.00 | 163,285.00 | 65,131.00 | 36,493.00 | 33,565.00 | 29,142.00 | 32,790.00 | 23,187.00 | 22,763.00 | 24,198.00 | 24,210.00 | 21,471.00 | 18,047.00 | 20,835.00 | 11,247.00 | 9,618.00 | 6,941.00 | 8,603.00 |
| 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 | 10,992,133.00 | 10,537,736.00 | 11,527,786.00 | 11,788,277.00 | 12,306,764.00 | 12,781,179.00 | 12,657,541.00 | 12,601,669.00 | 12,132,357.00 | 11,925,020.00 | 12,482,446.00 | 12,090,744.00 | 11,206,898.00 | 10,146,331.00 | 9,392,221.00 | 9,193,134.00 | 6,968,232.00 | 7,205,116.00 | 6,337,402.00 | 6,285,234.00 |
| 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 | 400,000.00 | 650,000.00 | 650,000.00 | 400,000.00 | 400,000.00 | 400,000.00 | 550,000.00 | 100,000.00 | 100,000.00 | 100,000.00 | 1,000,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 917,911.00 | 1,050,626.00 | 1,060,611.00 | 14,751,991.00 | 1,069,797.00 | 933,244.00 | 928,734.00 | 15,177,934.00 | 919,207.00 | 915,534.00 | 1,133,738.00 | 15,282,935.00 | 1,121,965.00 | 1,102,909.00 | 1,082,575.00 | 12,324,306.00 | 766,831.00 | 734,018.00 | 714,430.00 | 8,348,582.00 |
| Shareholders Equity | 917,911.00 | 1,050,626.00 | 1,060,611.00 | 4,213,452.00 | 1,069,797.00 | 933,244.00 | 928,734.00 | 3,701,372.00 | 919,207.00 | 915,534.00 | 1,133,738.00 | 4,537,512.00 | 1,121,965.00 | 1,102,909.00 | 1,082,575.00 | 4,256,204.00 | 766,831.00 | 734,018.00 | 714,430.00 | 2,782,844.00 |
| Capital Stock | 86,880.00 | 87,731.00 | 87,731.00 | 175,462.00 | 130,320.00 | 57.00 | 57.00 | 56.00 | 56.00 | 56.00 | 56.00 | 56.00 | 56.00 | 56.00 | 57.00 | 56.00 | 45.00 | 45.00 | 45.00 | 45.00 |
| Share Premium | 854,880.00 | 852,982.00 | 851,146.00 | 849,509.00 | 805,819.00 | 721,814.00 | 721,362.00 | 720,899.00 | 720,356.00 | 719,779.00 | 719,261.00 | 719,606.00 | 719,955.00 | 719,222.00 | 720,846.00 | 720,744.00 | 436,835.00 | 435,201.00 | 434,346.00 | 433,941.00 |
| Retained Earnings | -22,079.00 | 124,244.00 | 131,935.00 | 125,038.00 | 139,148.00 | 221,321.00 | 218,802.00 | 218,575.00 | 216,591.00 | 215,540.00 | 428,956.00 | 426,659.00 | 415,507.00 | 392,704.00 | 365,604.00 | 340,976.00 | 321,184.00 | 287,997.00 | 265,970.00 | 247,638.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -1,770.00 | -14,331.00 | -10,201.00 | -8,915.00 | -5,490.00 | -9,948.00 | -11,487.00 | -14,187.00 | -17,796.00 | -19,841.00 | -14,535.00 | -11,943.00 | -13,553.00 | -9,073.00 | -3,932.00 | 2,275.00 | 8,767.00 | 10,775.00 | 14,069.00 | 14,087.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 6,210.00 | 6,210.00 | 7,030.00 | 44,050.00 | 6,210.00 | 31,278.00 | 30,350.00 | 25,162.00 | 6,210.00 | 6,210.00 | 6,210.00 | 6,210.00 | 6,210.00 | 936,772.00 | 926,618.00 | 7,160,688.00 | 4,458,240.00 | 3,683,670.00 | 3,746,095.00 | 4,844,556.00 |
| Debt | 173,506.00 | 173,490.00 | 500,726.00 | 693,836.00 | 173,444.00 | 173,428.00 | 483,340.00 | 693,588.00 | 173,382.00 | 174,000.00 | 1,000,000.00 | 805,000.00 | 1,100,000.00 | 245,000.00 | 245,000.00 | 195,000.00 | 204,000.00 | 234,000.00 | 195,000.00 | 196,000.00 |
| Net Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 766,153.00 | 55,451.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 82,679.10 | 82,386.07 | 82,386.07 | 82,365.39 | 67,855.08 | 56,543.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Shares Outstanding | 29.52 | 29.81 | 29.81 | 29.81 | 44.30 | 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 | 26,158.00 | 17,520.00 | 8,919.00 | -17,141.00 | 26,959.00 | 17,797.00 | 8,614.00 | -17,960.00 | 26,624.00 | 17,812.00 | 8,796.00 | -20,565.00 | 29,065.00 | 20,090.00 | 10,197.00 | -15,834.00 | 26,410.00 | 17,097.00 | 8,349.00 |
| Cost Of Revenue | 70,828.00 | 5,783.00 | 3,417.00 | 19,841.00 | 53.00 | 229.00 | 577.00 | -1,950.00 | 711.00 | 1,304.00 | 417.00 | -1,520.00 | 641.00 | 619.00 | 792.00 | 3,089.00 | 13.00 | 404.00 | 360.00 |
| Interest Income | 413,604.00 | 278,867.00 | 141,742.00 | -299,347.00 | 458,523.00 | 301,367.00 | 150,453.00 | -272,730.00 | 427,093.00 | 282,328.00 | 137,000.00 | -122,242.00 | 277,861.00 | 169,115.00 | 79,144.00 | -114,991.00 | 182,530.00 | 120,541.00 | 59,138.00 |
| Interest Expense | 265,645.00 | 176,986.00 | 89,943.00 | -230,056.00 | 327,189.00 | 219,152.00 | 112,067.00 | 222,993.00 | 267,281.00 | 174,589.00 | 78,245.00 | 33,832.00 | 33,890.00 | 12,816.00 | 4,650.00 | -10,581.00 | 11,204.00 | 8,402.00 | 4,909.00 |
| Net Interest | 147,959.00 | 101,881.00 | 51,799.00 | -69,291.00 | 131,334.00 | 82,215.00 | 38,386.00 | -124,001.00 | 159,812.00 | 107,739.00 | 58,755.00 | -156,074.00 | 243,971.00 | 156,299.00 | 74,494.00 | -104,410.00 | 171,326.00 | 112,139.00 | 54,229.00 |
| Non-Interest Income | 38,460.00 | 20,940.00 | 19,602.00 | -107,669.00 | -79,239.00 | 26,341.00 | 12,683.00 | -161,986.00 | 35,475.00 | 23,777.00 | 11,698.00 | 128,359.00 | 41,011.00 | 28,827.00 | 15,427.00 | 160,253.00 | 56,623.00 | 25,943.00 | 11,908.00 |
| Non-Interest Expense | 179,128.00 | 121,645.00 | 61,721.00 | -83,000.00 | 166,463.00 | 106,238.00 | 50,609.00 | -329,671.00 | 396,310.00 | 332,104.00 | 59,340.00 | 137,661.00 | 156,765.00 | 96,423.00 | 47,618.00 | 88,176.00 | 108,522.00 | 70,128.00 | 34,511.00 |
| Provisions for Credit Losses | 70,828.00 | 5,783.00 | 3,417.00 | 20,299.00 | 53.00 | -229.00 | 577.00 | 229.00 | -711.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit | -44,670.00 | 11,737.00 | 5,502.00 | -36,982.00 | 26,906.00 | 17,568.00 | 8,037.00 | -16,010.00 | 25,913.00 | 16,508.00 | 8,379.00 | -19,045.00 | 28,424.00 | 19,471.00 | 9,405.00 | -18,923.00 | 26,397.00 | 16,693.00 | 7,989.00 |
| Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -60,960.00 | 181,058.00 | 116,852.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 65,685.00 | 43,068.00 | 20,259.00 | -22,949.00 | 51,430.00 | 32,227.00 | 15,867.00 | -22,604.00 | 39,016.00 | 26,015.00 | 13,192.00 | -19,419.00 | 36,461.00 | 23,828.00 | 11,984.00 | -12,676.00 | 27,026.00 | 17,899.00 | 8,282.00 |
| Other Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -51,548.00 | 142,042.00 | 90,837.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 53,329.00 | -155,145.00 | -100,344.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EBT | -127,074.00 | -9,214.00 | 6,263.00 | -143,950.00 | -228,842.00 | 2,547.00 | -234.00 | 190,889.00 | -400,624.00 | -403,784.00 | 10,696.00 | 143,776.00 | 128,858.00 | 89,322.00 | 43,095.00 | 193,724.00 | 119,440.00 | 67,550.00 | 31,266.00 |
| Income Tax | 83,580.00 | 7,626.00 | 1,266.00 | 16,526.00 | 72,250.00 | 2,662.00 | 1,820.00 | 231.00 | 1,300.00 | 1,900.00 | 2,200.00 | -38,905.00 | 35,700.00 | 25,170.00 | 12,259.00 | -20,684.00 | 33,805.00 | 19,141.00 | 8,911.00 |
| Net Income | 974.00 | 2,312.00 | 7,729.00 | -4,932.00 | 4,082.00 | 4,903.00 | 1,368.00 | -11,020.00 | 3,732.00 | 2,131.00 | 10,343.00 | -77,634.00 | 93,158.00 | 64,152.00 | 30,836.00 | -46,888.00 | 85,635.00 | 48,409.00 | 22,355.00 |
| EBIT | 138,571.00 | 167,772.00 | 96,206.00 | -374,006.00 | 98,347.00 | 221,699.00 | 111,833.00 | 413,882.00 | -133,343.00 | -229,195.00 | 88,941.00 | 177,608.00 | 162,748.00 | 102,138.00 | 47,745.00 | 183,143.00 | 130,644.00 | 75,952.00 | 36,175.00 |
| Deprecation and Amortization | 184.00 | 362.00 | 116.00 | -24,535.00 | 14,117.00 | 13,496.00 | 11,848.00 | 1,293.00 | 6,023.00 | 2,210.00 | 1,277.00 | -607.00 | 664.00 | 342.00 | 1,325.00 | -1,456.00 | 1,727.00 | 1,256.00 | 692.00 |
| EBITDA | 138,755.00 | 168,134.00 | 96,322.00 | -398,541.00 | 112,464.00 | 235,195.00 | 123,681.00 | 415,175.00 | -127,320.00 | -226,985.00 | 90,218.00 | 177,001.00 | 163,412.00 | 102,480.00 | 49,070.00 | 181,687.00 | 132,371.00 | 77,208.00 | 36,867.00 |
| 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 | 82,395.04 | 82,379.88 | 82,373.62 | 89,379.07 | 60,025.85 | 56,504.15 | 56,484.65 | 56,506.56 | 56,417.25 | 56,403.89 | 56,376.67 | 56,313.96 | 56,441.31 | 56,468.68 | 56,465.86 | 46,857.06 | 44,773.68 | 44,750.27 | 44,707.72 |
| Average Shares Outstanding Diluted | 82,395.04 | 82,379.88 | 83,484.75 | 89,348.15 | 60,025.85 | 56,515.84 | 56,503.88 | 56,472.81 | 56,417.25 | 56,403.89 | 56,410.42 | 56,340.02 | 56,510.88 | 56,543.49 | 56,565.85 | 46,790.76 | 44,977.86 | 45,057.33 | 45,012.21 |
| 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 | -7,633.00 | -16,808.00 | -552.00 | -43,975.00 | 12,306.00 | -1,911.00 | 7,211.00 | -70,487.00 | 40,453.00 | 25,408.00 | 9,479.00 | -127,840.00 | 100,241.00 | 70,360.00 | 40,339.00 | -72,508.00 | 70,140.00 | 40,654.00 | 32,619.00 |
| Operating Net Income | -147,117.00 | -794.00 | 6,896.00 | -18,782.00 | -78,296.00 | 3,878.00 | 793.00 | 197,844.00 | -201,612.00 | -203,792.00 | 8,496.00 | -77,634.00 | 93,158.00 | 64,152.00 | 30,836.00 | -46,888.00 | 85,635.00 | 48,409.00 | 22,355.00 |
| Deprecation and Amortization | -184.00 | 362.00 | 116.00 | -24,535.00 | 14,117.00 | 13,496.00 | 11,848.00 | 1,293.00 | 6,023.00 | 2,210.00 | 1,277.00 | -607.00 | 664.00 | 342.00 | 1,325.00 | -1,456.00 | 1,727.00 | 1,256.00 | 692.00 |
| Deferred Income Tax | -20,412.00 | -8,434.00 | -2,982.00 | -5,887.00 | -41,801.00 | -6,599.00 | -3,429.00 | -2,864.00 | -5,756.00 | 4,654.00 | 2,761.00 | -10,326.00 | 944.00 | 1,941.00 | 3,431.00 | -3,356.00 | -445.00 | 355.00 | 1,669.00 |
| Share Based Compensation | 4,519.00 | 3,473.00 | 1,637.00 | 289.00 | 845.00 | 1,057.00 | 605.00 | 111.00 | 1,129.00 | 550.00 | 32.00 | -2,391.00 | 2,770.00 | 2,037.00 | 1,204.00 | -1,955.00 | 2,202.00 | 1,629.00 | 995.00 |
| Change in Working Capital | -15,023.00 | -6,633.00 | -10,218.00 | 15,806.00 | -16,283.00 | -8,586.00 | -10,434.00 | 17,658.00 | -15,262.00 | -9,485.00 | -7,657.00 | 10,339.00 | 32,636.00 | 6,482.00 | -5,318.00 | 24,696.00 | 34,876.00 | 10,695.00 | -4,786.00 |
| Other Operating Activities | 170,584.00 | -4,782.00 | 3,999.00 | -10,866.00 | 133,724.00 | -5,157.00 | 7,828.00 | -284,529.00 | 255,931.00 | 231,271.00 | 4,570.00 | -47,221.00 | -29,931.00 | -4,594.00 | 8,861.00 | -43,549.00 | -53,855.00 | -21,690.00 | 11,694.00 |
| Investing Cash Flow | 1,298,936.00 | 1,088,899.00 | 57,948.00 | 699,684.00 | -343,836.00 | -276,897.00 | 8,413.00 | 8,431.00 | -106,927.00 | 201,902.00 | 43,973.00 | 2,059,052.00 | -2,905,096.00 | -2,011,872.00 | -483,366.00 | 1,424,476.00 | -580,119.00 | -636,665.00 | -265,075.00 |
| 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 | 3,093.00 | 2,473.00 | 1,965.00 | -2,450.00 | 2,399.00 | 1,537.00 | 1,286.00 | -3,189.00 | 6,303.00 | 2,603.00 | 2,494.00 | -10,932.00 | 7,395.00 | 6,911.00 | 4,597.00 | -1,803.00 | 2,556.00 | 1,826.00 | 628.00 |
| Net Purchase/Sale of Investments Net | 1,892,309.00 | 1,307,115.00 | 1,229,912.00 | -4,768,592.00 | 3,026,478.00 | 2,771,372.00 | 2,199,000.00 | 155,924.00 | 693,338.00 | 59,810.00 | 25,132.00 | -493,232.00 | 399,924.00 | 347,585.00 | 171,033.00 | -74,658.00 | 517,190.00 | 230,484.00 | 53,418.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,145,340.00 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -344,929.00 | -540,971.00 | 0 | 0 | 0 | ||||||||||||||
| Other Investing Activities | 62,307.00 | 178,657.00 | -930,622.00 | 5,473,146.00 | -3,199,016.00 | -2,968,226.00 | -2,104,641.00 | 396,667.00 | -806,568.00 | 139,489.00 | 16,347.00 | 2,563,216.00 | -3,312,415.00 | -2,366,368.00 | -658,996.00 | 355,597.00 | -1,099,865.00 | -868,975.00 | -319,121.00 |
| Financing Cash Flow | -580,466.00 | -1,032,609.00 | -59,673.00 | -1,109,834.00 | 111,323.00 | 373,665.00 | 245,783.00 | -368,858.00 | 228,481.00 | 42,277.00 | 607,183.00 | -451,936.00 | 2,000,916.00 | 993,279.00 | 252,980.00 | -1,174,774.00 | 663,648.00 | 935,950.00 | 70,775.00 |
| Net Issuance/Repayment of Debt | 47.00 | 31.00 | 16.00 | -32.00 | 47.00 | 31.00 | 16.00 | -31,970.00 | -7,953.00 | 32.00 | 15.00 | -238,184.00 | 129,123.00 | 129,108.00 | 129,092.00 | 49,782.00 | -1,500.00 | 6,000.00 | -7,000.00 |
| Net Issuance/Repurchase of Equity | 1.00 | 0 | 0 | 227,722.00 | 228,141.00 | 142.00 | 142.00 | -1,222.00 | 693.00 | 691.00 | 692.00 | -188.00 | 3,595.00 | 3,595.00 | 1,139.00 | 622.00 | 3,068.00 | 2,007.00 | 1,298.00 |
| Dividends Paid | 0 | 0 | 0 | -1,699.00 | 1,131.00 | 1,132.00 | 566.00 | -12,962.00 | 8,456.00 | 7,327.00 | 6,199.00 | -12,429.00 | 18,627.00 | 12,424.00 | 6,208.00 | -7,989.00 | 12,089.00 | 8,050.00 | 4,023.00 |
| Other Financing Activities | -580,514.00 | -1,032,640.00 | -59,689.00 | -1,335,825.00 | -117,996.00 | 372,360.00 | 245,059.00 | -322,704.00 | 227,285.00 | 34,227.00 | 600,277.00 | -201,135.00 | 1,849,571.00 | 848,152.00 | 116,541.00 | -1,217,189.00 | 649,991.00 | 919,893.00 | 72,454.00 |
| Net Change in Cash | 710,837.00 | 39,482.00 | -2,277.00 | -454,125.00 | -220,207.00 | 94,857.00 | 261,407.00 | -430,914.00 | 162,007.00 | 269,587.00 | 660,635.00 | 1,479,276.00 | -803,939.00 | -948,233.00 | -190,047.00 | 177,194.00 | 153,669.00 | 339,939.00 | -161,681.00 |
| Cash at Beginning of Period | 1,016,132.00 | 1,016,132.00 | 1,016,132.00 | 1,470,257.00 | 1,326,629.00 | 1,326,629.00 | 1,326,629.00 | 1,757,543.00 | 656,494.00 | 656,494.00 | 656,494.00 | -822,782.00 | 1,121,757.00 | 1,121,757.00 | 1,121,757.00 | 944,563.00 | 629,707.00 | 629,707.00 | 629,707.00 |
| Cash at End of Period | 1,726,969.00 | 1,055,614.00 | 1,013,855.00 | 1,016,132.00 | 1,106,422.00 | 1,421,486.00 | 1,588,036.00 | 1,326,629.00 | 818,501.00 | 926,081.00 | 1,317,129.00 | 656,494.00 | 317,818.00 | 173,524.00 | 931,710.00 | 1,121,757.00 | 783,376.00 | 969,646.00 | 468,026.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |