FISI

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings -9.92 6.72 6.80 6.61 9.78
Price to Sales
Book Value Per Common Share 105.49 80.93 70.16 93.31 87.83
Price to Book 0.26 0.26 0.35 0.34 0.26
Price to Operating Cash Flow 4.52 12.78 2.20 5.47 5.63
Price to Free Cash Flow
Enterprise Value to EBITDA 1036369.18 11976.11 17612.50 21359.58 24152.82
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 2021-12-31 2021-09-30 2021-06-30 2021-03-31
Price to Earnings 10.15 15.29 30.44 9.80 11.04 171.09 6.57 9.37 25.37 8.54 13.41 32.05 8.51 11.86 23.66
Price to Sales
Book Value Per Common Share 59.97 57.75 56.69 58.11 52.42 49.68 42.63 46.66 46.80 42.00 49.90 60.86 93.31 61.71 61.07 58.03
Price to Book 0.45 0.44 0.44 0.44 0.37 0.38 0.39 0.34 0.41 0.57 0.52 0.50 0.34 0.50 0.49 0.52
Price to Operating Cash Flow -210.36 120.62 50.08 7.86 6.22 23.59 4.42 16.33 45.10 3.16 4.91 10.62 12.31 15.37 23.70
Price to Free Cash Flow
Enterprise Value to EBITDA 18064.87 26496.00 51964.43 18717.56 20858.84 65487.26 13727.05 20805.89 55991.27 28722.70 47972.03 117070.86 30653.09 42714.72 85517.67

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -11.45 -25.57 109.13
Revenue YoY
EBITDA YoY -98.49 28.53 -11.22 60.59
Net Profit YoY -11.54 -27.06 93.18
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 2021-12-31 2021-09-30 2021-06-30 2021-03-31
Earning YoY 59.52 104.88 48.57 1490.91 52.38 121.05 45.36 106.38 42.29 97.66
Revenue YoY
EBITDA YoY 55.46 102.13 47.09 223.17 62.24 120.07 54.13 108.91 42.30 97.90
Net Profit YoY 57.87 102.37 48.62 848.27 52.58 117.27 43.84 108.09 43.51 97.81

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 6.99 9.57 9.67 7.34 7.85
Quick Ratio
Current Ratio
Debt to Equity 0.76 0.80 0.80 0.76 0.75
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 2021-12-31 2021-09-30 2021-06-30 2021-03-31
Cash Per Common Share 9.24 4.63 8.34 16.14 9.48 15.39 12.48 11.73 9.12 7.70 7.11 10.94 7.22 18.20 13.02 21.70
Quick Ratio
Current Ratio
Debt to Equity 0.82 0.83 0.83 11.30 12.11 13.13 14.02 13.42 13.11 13.27 12.08 11.60 0.76 10.38 9.87 10.43
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA -0.24 0.41 0.49 0.70 0.41
ROE -0.42 0.74 0.89 1.23 0.71
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 2023-09-30 2023-06-30 2023-03-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31
ROA 0.47 0.30 0.14 0.67 0.45 0.05 0.68 0.45 0.21 0.82 0.58 0.27 1.09 0.80 0.40
ROE 0.85 0.55 0.26 8.23 5.92 0.66 10.25 6.45 2.99 11.71 7.53 3.45 12.36 8.73 4.61
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

Dividends

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Dividend Yield
Dividend Payout Ratio
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2023-03-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 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 12,879,675.00 12,863,989.00 12,100,197.00 11,636,084.00 10,380,068.00
   Deposits 11,360,364.00 10,682,626.00 4,929,424.00 4,827,090.00 4,278,367.00
      Cash and Short-Term Investments 109,658.00 147,156.00 148,822.00 116,269.00 125,726.00
            Cash and Cash Equivalents 87,321.00 124,442.00 130,466.00 79,112.00 93,878.00
            Short-Term Investments 22,337.00 22,714.00 18,356.00 37,157.00 31,848.00
      Net Receivables 4,441,483.00 4,416,251.00 3,998,718.00 3,631,355.00 3,557,908.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 70,235.00 71,426.00 73,106.00 62,181.00 60,566.00
      Goodwill 58,121.00 67,071.00 67,071.00 67,071.00 66,062.00
      Intangible Assets 2,637.00 5,433.00 6,343.00 7,329.00 7,727.00
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 0 0 0 0 0
      Other Non-Current Assets 0 0 0 0 0
Liabilities 5,548,101.00 5,706,085.00 5,391,667.00 5,015,637.00 4,443,943.00
      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 99,000.00 248,000.00 205,000.00 30,000.00 5,300.00
      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 7,331,574.00 7,157,904.00 6,708,530.00 6,620,447.00 5,936,125.00
   Shareholders Equity 1,654,348.00 1,244,447.00 1,079,328.00 1,502,219.00 1,407,217.00
      Capital Stock 34,777.00 34,745.00 34,745.00 34,745.00 34,817.00
      Share Premium 233,421.00 125,841.00 126,636.00 126,105.00 125,118.00
      Retained Earnings 388,665.00 451,687.00 421,340.00 384,007.00 316,150.00
      Treasury Shares 17,990.00 20,244.00 22,337.00 9,216.00 1,222.00
      Accumulated Other Comprehensive Income -52,604.00 -119,941.00 -137,487.00 -13,207.00 2,128.00
   Minority Interest 0 0 0 0 0
Investments 6,369,014.00 6,192,299.00 6,659,482.00 8,233,714.00 4,389,778.00
Debt 423,684.00 572,064.00 353,444.00 177,822.00 152,546.00
Net Debt 314,026.00 424,908.00 204,622.00 61,553.00 26,820.00
Common Shares Outstanding 0 0 0 16,099.56 0
Preferred Shares Outstanding 172.85 172.92 172.92 172.92 173.28
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cost Of Revenue 6,150.00 446.00 258.00 378.00 27,184.00
Interest Income 651,934.00 309,756.00 220,648.00 186,296.00 178,763.00
Interest Expense 149,642.00 124,660.00 32,977.00 16,712.00 25,202.00
Net Interest 163,589.00 331,364.00 334,642.00 309,250.00 277,652.00
Non-Interest Income -117,931.00 96,740.00 93,357.00 94,243.00 43,176.00
Non-Interest Expense 322,408.00 137,225.00 129,362.00 112,750.00 109,254.00
Provisions for Credit Losses -6,150.00 0 0 0 27,184.00
   Selling, General and Administrative Expenses 48,260.00 43,966.00 42,289.00 38,491.00 36,210.00
EBT -161,293.00 134,093.00 166,875.00 210,929.00 109,935.00
Income Tax 82,940.00 22,997.00 26,916.00 4,989.00 13,712.00
Net Income -30,858.00 52,729.00 59,608.00 81,723.00 42,303.00
EBIT -11,651.00 258,753.00 199,852.00 227,641.00 135,137.00
Deprecation and Amortization 15,781.00 14,751.00 12,937.00 12,051.00 14,120.00
EBITDA 4,130.00 273,504.00 212,789.00 239,692.00 149,257.00
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 15,683.00 15,376.00 15,384.00 15,841.00 16,022.00
Average Shares Outstanding Diluted 15,683.00 15,475.00 15,471.00 15,937.00 16,063.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 94,607.00 25,632.00 170,001.00 92,161.00 64,053.00
   Operating Net Income -41,646.00 50,264.00 56,573.00 77,697.00 38,332.00
   Deprecation and Amortization 15,781.00 14,751.00 12,937.00 12,051.00 14,120.00
   Deferred Income Tax -39,477.00 -1,348.00 -4,382.00 5,218.00 -4,523.00
   Share Based Compensation 4,830.00 5,022.00 7,653.00 5,229.00 3,999.00
   Change in Working Capital -8,572.00 56,958.00 118,536.00 8,108.00 48,756.00
   Other Operating Activities 163,691.00 -100,015.00 -21,316.00 -16,142.00 -36,631.00
Investing Cash Flow -76,975.00 -311,983.00 -326,711.00 -633,422.00 -543,048.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 58,974.00 2,992.00 8,369.00 9,403.00 4,275.00
   Net Purchase/Sale of Investments Net 1,807,217.00 232,145.00 297,142.00 1,092,493.00 701,586.00
   Net Purchase/Sale of Business 0 0 0 1,420.00 0
   Net Loan & Lease Activity 25,751.00 420,234.00 376,251.00 90,058.00 390,932.00
   Other Investing Activities -1,968,917.00 -967,354.00 -1,008,473.00 -1,826,796.00 -1,639,841.00
Financing Cash Flow -17,851.00 272,856.00 208,548.00 517,965.00 484,602.00
   Net Issuance/Repayment of Debt -86,000.00 30,000.00 175,000.00 24,700.00 -200,979.00
   Net Issuance/Repurchase of Equity 217,577.00 571.00 15,340.00 9,278.00 209.00
   Dividends Paid 19,974.00 19,745.00 19,053.00 18,451.00 17,957.00
   Other Financing Activities -169,402.00 222,540.00 -845.00 465,536.00 667,415.00
Net Change in Cash -219.00 -13,495.00 51,838.00 -23,296.00 5,607.00
   Cash at Beginning of Period 87,540.00 137,937.00 78,628.00 102,408.00 88,271.00
   Cash at End of Period 87,321.00 124,442.00 130,466.00 79,112.00 93,878.00
Free Cash Flow 0 0 0 0 0
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
Assets 12,538,052.00 12,249,660.00 12,643,584.00 12,879,675.00 6,156,317.00 6,131,772.00 6,298,598.00 12,863,989.00 6,140,149.00 6,141,298.00 5,966,992.00 12,100,197.00 5,624,482.00 5,568,198.00 5,630,498.00 11,636,084.00 5,623,193.00 5,295,102.00 5,329,056.00 10,380,068.00
   Deposits 5,357,809.00 5,156,014.00 5,372,910.00 11,360,364.00 5,306,601.00 5,133,321.00 5,396,757.00 10,682,626.00 5,315,973.00 5,034,861.00 5,141,307.00 4,929,424.00 4,905,154.00 4,820,516.00 5,002,932.00 4,827,090.00 4,974,963.00 4,659,221.00 4,716,014.00 4,278,367.00
      Cash and Short-Term Investments 185,945.00 93,034.00 167,352.00 109,658.00 249,569.00 146,347.00 237,038.00 147,156.00 192,111.00 180,248.00 139,974.00 148,822.00 118,581.00 109,705.00 170,404.00 116,269.00 288,426.00 206,387.00 344,790.00 125,726.00
            Cash and Cash Equivalents 185,945.00 93,034.00 167,352.00 87,321.00 249,569.00 146,347.00 237,038.00 124,442.00 192,111.00 180,248.00 139,974.00 130,466.00 118,581.00 109,705.00 170,404.00 79,112.00 288,426.00 206,387.00 344,790.00 93,878.00
            Short-Term Investments 0 0 0 22,337.00 0 0 0 22,714.00 0 0 0 18,356.00 0 0 0 37,157.00 0 0 0 31,848.00
      Net Receivables 4,546,127.00 4,490,729.00 4,512,590.00 4,441,483.00 4,365,255.00 4,423,088.00 4,397,864.00 4,416,251.00 4,382,760.00 4,348,224.00 4,192,142.00 3,998,718.00 3,814,783.00 3,710,490.00 3,682,988.00 3,631,355.00 3,609,791.00 3,591,839.00 3,617,194.00 3,557,908.00
      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 68,858.00 69,462.00 69,633.00 70,235.00 71,619.00 70,796.00 71,182.00 71,426.00 71,839.00 72,090.00 72,559.00 73,106.00 71,283.00 61,711.00 61,812.00 62,181.00 63,059.00 66,658.00 60,136.00 60,566.00
      Goodwill 58,100.00 58,100.00 58,100.00 58,121.00 58,121.00 58,121.00 67,100.00 67,071.00 67,100.00 67,100.00 67,100.00 67,071.00 67,100.00 67,100.00 67,100.00 67,071.00 67,100.00 66,700.00 66,700.00 66,062.00
      Intangible Assets 2,322.00 2,425.00 2,530.00 2,637.00 2,746.00 2,858.00 5,216.00 5,433.00 5,654.00 5,879.00 6,109.00 6,343.00 6,582.00 6,826.00 7,075.00 7,329.00 16,587.00 16,324.00 16,324.00 7,727.00
      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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Other Non-Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Liabilities 5,666,332.00 5,542,098.00 5,750,564.00 5,548,101.00 5,655,975.00 5,664,105.00 5,852,864.00 5,706,085.00 5,731,433.00 5,715,425.00 5,544,169.00 5,391,667.00 5,230,434.00 5,142,397.00 5,183,652.00 5,015,637.00 5,129,180.00 4,807,976.00 4,862,772.00 4,443,943.00
      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 55,000.00 101,000.00 55,000.00 99,000.00 55,000.00 202,000.00 133,000.00 248,000.00 70,000.00 374,000.00 116,000.00 205,000.00 69,000.00 109,000.00 0 30,000.00 0 0 0 5,300.00
      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 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 6,871,720.00 6,707,562.00 6,893,020.00 7,331,574.00 500,342.00 467,667.00 445,734.00 7,157,904.00 408,716.00 425,873.00 422,823.00 6,708,530.00 394,048.00 425,801.00 446,846.00 6,620,447.00 494,013.00 487,126.00 466,284.00 5,936,125.00
   Shareholders Equity 1,206,682.00 1,161,122.00 1,137,861.00 1,654,348.00 898,655.00 809,560.00 765,204.00 1,244,447.00 656,043.00 717,274.00 718,274.00 1,079,328.00 646,913.00 770,479.00 948,086.00 1,502,219.00 978,024.00 968,318.00 921,996.00 1,407,217.00
      Capital Stock 34,777.00 34,777.00 34,777.00 34,777.00 34,745.00 34,745.00 34,745.00 34,745.00 34,745.00 34,745.00 34,745.00 34,745.00 34,745.00 34,745.00 34,745.00 34,745.00 34,745.00 34,745.00 34,805.00 34,817.00
      Share Premium 233,629.00 232,968.00 232,455.00 233,421.00 125,112.00 124,704.00 124,627.00 125,841.00 126,178.00 125,457.00 125,476.00 126,636.00 126,230.00 125,568.00 125,881.00 126,105.00 125,785.00 125,253.00 124,891.00 125,118.00
      Retained Earnings 423,762.00 409,888.00 398,957.00 388,665.00 477,861.00 469,399.00 448,772.00 451,687.00 446,890.00 437,851.00 428,453.00 421,340.00 414,062.00 405,019.00 394,181.00 384,007.00 369,019.00 356,485.00 340,923.00 316,150.00
      Treasury Shares 16,405.00 16,466.00 16,981.00 17,990.00 18,055.00 18,115.00 18,854.00 20,244.00 20,416.00 20,416.00 21,187.00 22,337.00 22,514.00 22,514.00 23,575.00 9,216.00 6,128.00 6,131.00 6,441.00 1,222.00
      Accumulated Other Comprehensive Income -36,758.00 -42,214.00 -41,995.00 -52,604.00 -102,029.00 -125,774.00 -126,264.00 -119,941.00 -161,389.00 -134,472.00 -127,372.00 -137,487.00 -141,183.00 -99,725.00 -67,094.00 -13,207.00 -12,116.00 -5,934.00 -10,572.00 2,128.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 6,354,924.00 6,356,316.00 6,444,546.00 6,369,014.00 6,159,003.00 6,073,614.00 6,379,878.00 6,192,299.00 5,958,596.00 6,363,593.00 6,596,436.00 6,659,482.00 6,737,610.00 7,376,936.00 7,806,229.00 8,233,714.00 7,679,119.00 6,313,352.00 5,257,890.00 4,389,778.00
Debt 295,000.00 340,960.00 304,917.00 423,684.00 304,765.00 451,687.00 382,610.00 572,064.00 194,454.00 498,377.00 240,299.00 353,444.00 143,144.00 183,067.00 73,989.00 177,822.00 73,834.00 73,756.00 73,679.00 152,546.00
Net Debt 109,055.00 247,926.00 137,565.00 314,026.00 55,196.00 305,340.00 145,572.00 424,908.00 2,343.00 318,129.00 100,325.00 204,622.00 24,563.00 73,362.00 0 61,553.00 0 0 0 26,820.00
Common Shares Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16,099.56 0 0 0 0
Preferred Shares Outstanding 0 0 0 172.85 0 0 0 172.92 0 0 0 172.92 0 0 0 172.92 0 0 0 173.28
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31
Cost Of Revenue 8,222.00 5,490.00 2,928.00 5,839.00 311.00 0 0 446.00 0 0 0 258.00 0 0 0 378.00 0 0 0
Interest Income 531,478.00 350,894.00 173,589.00 144,035.00 253,694.00 169,697.00 84,508.00 -134,115.00 227,223.00 146,820.00 69,828.00 -84,407.00 156,711.00 99,957.00 48,387.00 -87,129.00 137,055.00 90,910.00 45,460.00
Interest Expense 100,565.00 67,932.00 34,187.00 -77,771.00 113,156.00 75,926.00 38,331.00 -31,787.00 83,757.00 50,734.00 21,956.00 9,633.00 14,079.00 6,472.00 2,793.00 -2,930.00 9,590.00 6,636.00 3,416.00
Net Interest 147,809.00 96,009.00 46,876.00 -322,956.00 243,872.00 162,523.00 80,150.00 -172,123.00 251,607.00 168,269.00 83,611.00 -155,062.00 248,366.00 162,253.00 79,085.00 -144,983.00 227,548.00 151,044.00 75,641.00
Non-Interest Income 58,014.00 36,628.00 18,143.00 -208,102.00 44,355.00 34,915.00 10,901.00 30,550.00 32,876.00 22,390.00 10,924.00 24,019.00 35,334.00 22,682.00 11,322.00 22,903.00 35,232.00 23,149.00 12,959.00
Non-Interest Expense 201,108.00 132,347.00 64,160.00 61,860.00 119,502.00 87,033.00 54,013.00 -66,057.00 102,178.00 67,443.00 33,661.00 -55,381.00 95,849.00 63,022.00 25,872.00 -50,527.00 82,853.00 53,684.00 26,740.00
Provisions for Credit Losses -8,222.00 -5,490.00 -2,928.00 -5,839.00 -311.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0
   Selling, General and Administrative Expenses 36,339.00 23,998.00 11,688.00 -23,086.00 35,321.00 23,743.00 12,282.00 -20,431.00 32,425.00 21,252.00 10,720.00 -20,649.00 31,582.00 21,044.00 10,312.00 -17,491.00 28,355.00 18,421.00 9,206.00
EBT 192,607.00 120,895.00 59,360.00 -324,187.00 93,569.00 64,697.00 4,628.00 -55,074.00 96,183.00 63,275.00 29,709.00 -58,669.00 112,929.00 75,794.00 36,821.00 -91,102.00 146,665.00 103,251.00 52,115.00
Income Tax 24,768.00 15,423.00 7,495.00 60,551.00 11,920.00 9,753.00 716.00 -8,178.00 15,253.00 10,377.00 5,545.00 -18,577.00 24,029.00 14,586.00 6,878.00 -52,409.00 30,573.00 21,478.00 5,347.00
Net Income 58,313.00 36,937.00 18,252.00 -102,643.00 41,165.00 27,699.00 2,921.00 -29,233.00 41,881.00 27,448.00 12,633.00 -34,041.00 46,148.00 32,083.00 15,418.00 -43,371.00 61,048.00 42,540.00 21,506.00
EBIT 293,172.00 188,827.00 93,547.00 -401,958.00 206,725.00 140,623.00 42,959.00 -86,861.00 179,940.00 114,009.00 51,665.00 -49,036.00 127,008.00 82,266.00 39,614.00 -94,032.00 156,255.00 109,887.00 55,531.00
Deprecation and Amortization 9,808.00 6,060.00 2,872.00 8,329.00 3,705.00 2,438.00 1,309.00 2,506.00 8,761.00 2,298.00 1,186.00 8,908.00 2,072.00 1,482.00 475.00 7,606.00 2,222.00 1,479.00 744.00
EBITDA 302,980.00 194,887.00 96,419.00 -393,629.00 210,430.00 143,061.00 44,268.00 -84,355.00 188,701.00 116,307.00 52,851.00 -40,128.00 129,080.00 83,748.00 40,089.00 -86,426.00 158,477.00 111,366.00 56,275.00
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 20,122.00 20,107.00 20,073.00 16,421.00 15,464.00 15,444.00 15,403.00 15,393.00 15,391.00 15,372.00 15,348.00 15,116.00 15,403.00 15,440.00 15,577.00 15,768.00 15,850.00 15,857.00 15,889.00
Average Shares Outstanding Diluted 20,336.00 20,294.00 20,285.00 15,997.00 15,636.00 15,556.00 15,543.00 15,576.00 15,462.00 15,427.00 15,435.00 15,169.00 15,484.00 15,532.00 15,699.00 15,893.00 15,940.00 15,943.00 15,972.00
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 2023-09-30 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 -2,602.00 4,280.00 10,005.00 -15,758.00 50,111.00 47,964.00 12,290.00 -54,308.00 58,563.00 14,815.00 6,562.00 -73,405.00 117,428.00 81,784.00 44,194.00 1,440.00 39,467.00 30,949.00 20,305.00
   Operating Net Income 54,887.00 34,410.00 16,878.00 -112,580.00 41,165.00 27,699.00 2,070.00 -28,771.00 40,484.00 26,462.00 12,089.00 -33,526.00 44,485.00 30,631.00 14,983.00 -42,008.00 58,085.00 40,910.00 20,710.00
   Deprecation and Amortization 9,808.00 6,060.00 2,872.00 8,329.00 3,705.00 2,438.00 1,309.00 2,506.00 8,761.00 2,298.00 1,186.00 8,908.00 2,072.00 1,482.00 475.00 7,606.00 2,222.00 1,479.00 744.00
   Deferred Income Tax 5,776.00 843.00 483.00 -46,716.00 1,094.00 2,384.00 3,761.00 -769.00 -486.00 -510.00 417.00 -2,758.00 -1,532.00 -646.00 554.00 8,112.00 -6,885.00 2,333.00 1,658.00
   Share Based Compensation 2,216.00 1,460.00 506.00 1,137.00 1,809.00 1,315.00 569.00 1,334.00 1,929.00 1,208.00 551.00 3,768.00 2,052.00 1,390.00 443.00 2,919.00 1,316.00 778.00 216.00
   Change in Working Capital -97,905.00 -65,400.00 -32,818.00 3,468.00 -44,785.00 11,245.00 21,500.00 3,975.00 63,181.00 18,934.00 -29,132.00 -88,801.00 118,947.00 67,847.00 20,543.00 59,441.00 -6,773.00 -17,570.00 -26,990.00
   Other Operating Activities 22,616.00 26,907.00 22,084.00 130,604.00 47,123.00 2,883.00 -16,919.00 -32,583.00 -55,306.00 -33,577.00 21,451.00 39,004.00 -48,596.00 -18,920.00 7,196.00 -34,630.00 -8,498.00 3,019.00 23,967.00
Investing Cash Flow -77,765.00 -28,399.00 -147,288.00 -224,424.00 126,718.00 46,895.00 -26,164.00 414,845.00 -283,143.00 -279,120.00 -164,565.00 16,692.00 -165,452.00 -98,857.00 -79,094.00 353,024.00 -516,395.00 -278,815.00 -191,236.00
   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 3,427.00 2,412.00 816.00 -2,896.00 31,571.00 29,125.00 1,174.00 -827.00 1,739.00 1,232.00 848.00 -2,487.00 5,641.00 3,999.00 1,216.00 -5,528.00 8,357.00 6,284.00 290.00
   Net Purchase/Sale of Investments Net 324,121.00 227,135.00 37,183.00 1,126,527.00 315,966.00 276,624.00 88,100.00 17,797.00 106,657.00 74,628.00 33,063.00 -119,472.00 182,535.00 149,790.00 84,289.00 -678,958.00 901,830.00 587,787.00 281,834.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -1,472.00 1,420.00 759.00 713.00
   Net Loan & Lease Activity 25,751.00 420,234.00 376,251.00 90,058.00 390,932.00
   Other Investing Activities -525,012.00 -321,163.00 -261,730.00 -1,440,448.00 -167,577.00 -262,426.00 -98,466.00 907,738.00 -776,579.00 -705,065.00 -393,448.00 91,043.00 -542,943.00 -336,975.00 -219,598.00 1,106,423.00 -1,487,843.00 -911,168.00 -534,208.00
Financing Cash Flow 178,991.00 29,832.00 217,314.00 -19,665.00 -51,702.00 -72,954.00 126,470.00 -494,967.00 286,225.00 314,087.00 167,511.00 -52,803.00 87,493.00 47,666.00 126,192.00 -935,729.00 671,476.00 360,375.00 421,843.00
   Net Issuance/Repayment of Debt -34,000.00 12,000.00 -44,000.00 79,000.00 -130,000.00 17,000.00 -52,000.00 -65,000.00 -85,000.00 219,000.00 -39,000.00 87,000.00 39,000.00 79,000.00 -30,000.00 40,600.00 -5,300.00 -5,300.00 -5,300.00
   Net Issuance/Repurchase of Equity 515.00 481.00 481.00 216,366.00 422.00 396.00 393.00 -1,116.00 563.00 563.00 561.00 -30,340.00 15,327.00 15,327.00 15,026.00 -8,708.00 6,010.00 6,007.00 5,969.00
   Dividends Paid 19,572.00 12,970.00 6,384.00 -9,944.00 14,969.00 9,967.00 4,982.00 -9,614.00 14,761.00 9,787.00 4,811.00 -9,248.00 14,244.00 9,433.00 4,624.00 -9,066.00 13,810.00 9,172.00 4,535.00
   Other Financing Activities 192,904.00 4,381.00 254,449.00 -305,087.00 62,907.00 -100,317.00 173,095.00 -419,237.00 355,901.00 84,737.00 201,139.00 -100,215.00 18,922.00 -56,094.00 136,542.00 -958,555.00 656,956.00 350,496.00 416,639.00
Net Change in Cash 98,624.00 5,713.00 80,031.00 -259,847.00 125,127.00 21,905.00 112,596.00 -134,430.00 61,645.00 49,782.00 9,508.00 -109,516.00 39,469.00 30,593.00 91,292.00 -581,265.00 194,548.00 112,509.00 250,912.00
   Cash at Beginning of Period 87,321.00 87,321.00 87,321.00 347,168.00 124,442.00 124,442.00 124,442.00 258,872.00 130,466.00 130,466.00 130,466.00 239,982.00 79,112.00 79,112.00 79,112.00 660,377.00 93,878.00 93,878.00 93,878.00
   Cash at End of Period 185,945.00 93,034.00 167,352.00 87,321.00 249,569.00 146,347.00 237,038.00 124,442.00 192,111.00 180,248.00 139,974.00 130,466.00 118,581.00 109,705.00 170,404.00 79,112.00 288,426.00 206,387.00 344,790.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0