FMNB
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 11.56 | 10.78 | 7.89 | 10.42 | |
| Price to Sales | 52.57 | 53.44 | 49.58 | 57.32 | |
| Book Value Per Common Share | 27.27 | 27.75 | 25.75 | 41.70 | 37.16 |
| Price to Book | 0.52 | 0.52 | 0.55 | 0.44 | |
| Price to Operating Cash Flow | 6.36 | 6.34 | 4.05 | 4.99 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 17873.49 | 38282.08 | 50271.50 | 84834.04 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 13.47 | 18.89 | 36.25 | 17.79 | 20.15 | 44.53 | 12.30 | 20.97 | 66.53 | 9.35 | 15.96 | 36.30 | 9.64 | 14.50 | 32.12 | ||||
| Price to Sales | 67.65 | 98.57 | 184.58 | 76.33 | 85.84 | 178.37 | 58.06 | 96.04 | 184.80 | 61.00 | 103.73 | 228.99 | 64.04 | 95.39 | 210.86 | ||||
| Book Value Per Common Share | 20.63 | 18.56 | 18.10 | 27.27 | 19.39 | 16.03 | 16.22 | 27.75 | 8.43 | 9.80 | 10.01 | 25.75 | 17.68 | 21.25 | 25.71 | 41.70 | 29.59 | 28.85 | 12.30 |
| Price to Book | 0.70 | 0.74 | 0.72 | 0.52 | 0.78 | 0.78 | 0.82 | 0.52 | 1.37 | 1.26 | 1.26 | 0.55 | 0.74 | 0.71 | 0.66 | 0.44 | 0.53 | 0.54 | 1.36 |
| Price to Operating Cash Flow | 13.36 | 17.39 | 31.13 | 10.58 | 15.73 | 37.84 | 8.93 | 16.08 | 34.91 | 7.13 | 12.62 | 43.71 | 11.11 | 18.68 | 66.96 | ||||
| Price to Free Cash Flow | |||||||||||||||||||
| Enterprise Value to EBITDA | 22205.61 | 32167.22 | 59663.14 | 48751.78 | 59518.20 | 130533.79 | 43311.97 | 74401.17 | 195266.27 | 64216.50 | 113679.13 | 263219.94 | 68644.52 | 102684.01 | 224771.32 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -8.21 | -25.14 | 0.56 | 20.27 | |
| Revenue YoY | -0.09 | 4.88 | 2.12 | 23.66 | |
| EBITDA YoY | 111.23 | 48.01 | 29.05 | 6.60 | |
| Net Profit YoY | -9.63 | -16.09 | 16.88 | 23.80 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 46.58 | 102.78 | 37.10 | 106.67 | 59.32 | 210.53 | 48.94 | 100.00 | 52.34 | 105.77 | |||||||||
| Revenue YoY | 52.42 | 98.30 | 36.22 | 94.45 | 54.15 | 86.90 | 48.42 | 94.32 | 50.83 | 105.46 | |||||||||
| EBITDA YoY | 51.39 | 96.14 | 26.17 | 47.78 | 105.20 | 60.66 | 156.97 | 54.61 | 103.74 | 51.52 | 103.92 | ||||||||
| Net Profit YoY | 45.33 | 102.45 | 34.86 | 104.31 | 58.08 | 207.91 | 48.58 | 100.68 | 53.14 | 107.00 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 2.84 | 3.55 | 2.86 | 4.87 | 10.49 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.43 | 0.81 | 0.68 | 0.74 | 0.72 |
| 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 | 2023-12-31 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 2.46 | 2.42 | 3.03 | 2.82 | 5.63 | 5.49 | 4.60 | 3.53 | 3.19 | 3.89 | 4.19 | 2.85 | 2.98 | 2.56 | 4.93 | 4.19 | 3.78 | 6.64 | 12.90 |
| Quick Ratio | |||||||||||||||||||
| Current Ratio | |||||||||||||||||||
| Debt to Equity | 0.44 | 0.44 | 0.44 | 0.43 | 10.91 | 12.00 | 11.80 | 0.81 | 14.73 | 12.82 | 12.64 | 0.68 | 0.72 | 0.70 | 0.67 | 0.74 | 0.65 | 0.65 | 8.57 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.29 | 0.48 | 0.63 | 0.59 | 0.64 |
| ROE | 0.42 | 0.86 | 1.07 | 1.02 | 1.11 |
| Gross Margin | 18.37 | 13.75 | 97.41 | 50.74 | -257.70 |
| Operating Margin | 2897.74 | 1328.13 | 941.64 | 747.86 | 870.13 |
| EBITDA Margin | 2961.12 | 1400.61 | 992.47 | 785.36 | 911.03 |
| Net Profit Margin | 454.99 | 503.05 | 628.73 | 549.31 | 548.69 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.25 | 0.18 | 0.09 | 0.62 | 0.47 | 0.23 | 0.74 | 0.46 | 0.15 | 0.51 | 0.34 | 0.17 | 0.62 | 0.41 | 0.44 | ||||
| ROE | 0.37 | 0.25 | 0.13 | 7.39 | 6.08 | 2.97 | 11.59 | 6.31 | 2.01 | 0.88 | 0.58 | 0.28 | 1.03 | 0.68 | 4.19 | ||||
| Gross Margin | -23.68 | -32.75 | 93.11 | -7.22 | 74.31 | 83.92 | -18.97 | -78.37 | -232.39 | 90.28 | 87.42 | 63.08 | 93.19 | 89.66 | 80.10 | ||||
| Operating Margin | 2997.57 | 3017.49 | 3054.22 | 1513.07 | 1394.92 | 1318.33 | 1264.99 | 1203.29 | 863.43 | 907.85 | 869.56 | 828.86 | 900.38 | 896.32 | 902.50 | ||||
| EBITDA Margin | 3060.79 | 3081.44 | 3115.30 | 1575.30 | 1452.05 | 1376.01 | 1342.53 | 1288.11 | 936.84 | 955.68 | 917.39 | 874.99 | 935.43 | 931.17 | 938.19 | ||||
| Net Profit Margin | 500.49 | 524.88 | 514.12 | 439.46 | 443.88 | 422.45 | 491.18 | 478.97 | 290.72 | 650.25 | 649.54 | 628.98 | 665.93 | 655.88 | 650.98 |
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 | 2023-12-31 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | |||||||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 15,852,783.00 | 10,652,019.00 | 9,567,448.00 | 8,847,524.00 | 6,503,297.00 |
| Deposits | 8,458,607.00 | 4,177,386.00 | 7,860,085.00 | 3,547,235.00 | 5,189,756.00 |
| Cash and Short-Term Investments | 106,164.00 | 132,554.00 | 96,946.00 | 141,940.00 | 296,620.00 |
| Cash and Cash Equivalents | 106,164.00 | 132,554.00 | 96,946.00 | 141,940.00 | 275,124.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 21,496.00 |
| Net Receivables | 38,851,244.00 | 3,198,127.00 | 2,404,750.00 | 2,331,082.00 | 1,345,862.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 61,974.00 | 53,164.00 | 47,582.00 | 43,920.00 | 30,449.00 |
| Goodwill | 167,450.00 | 167,446.00 | 94,640.00 | 94,240.00 | 45,775.00 |
| Intangible Assets | 20,750.00 | 22,842.00 | 7,026.00 | 8,366.00 | 3,842.00 |
| Long-Term Investments | 306.00 | 424.00 | 600.00 | 0 | 9,400.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 4,800,587.00 | 4,764,839.00 | 3,880,658.00 | 3,759,911.00 | 2,731,955.00 |
| 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 | 305,000.00 | 640,000.00 | 95,000.00 | 0 | 6,863.00 |
| 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 | 11,052,196.00 | 5,887,180.00 | 5,686,790.00 | 5,087,613.00 | 3,771,342.00 |
| Shareholders Equity | 1,024,819.00 | 1,040,691.00 | 876,885.00 | 1,413,424.00 | 1,050,291.00 |
| Capital Stock | 366,059.00 | 365,305.00 | 305,340.00 | 306,123.00 | 208,763.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 257,173.00 | 236,757.00 | 212,375.00 | 173,896.00 | 138,073.00 |
| Treasury Shares | 23,939.00 | 25,093.00 | 14,930.00 | 16,882.00 | 18,771.00 |
| Accumulated Other Comprehensive Income | -193,265.00 | -172,554.00 | -210,490.00 | 9,295.00 | 22,032.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 32,672,990.00 | 5,234,115.00 | 5,105,544.00 | 5,741,167.00 | 2,323,896.00 |
| Debt | 391,150.00 | 728,663.00 | 183,211.00 | 87,758.00 | 83,248.00 |
| Net Debt | 284,986.00 | 596,109.00 | 86,265.00 | 0 | 0 |
| Common Shares Outstanding | 37,585.61 | 37,502.77 | 34,055.12 | 33,898.24 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 10,099.00 | 10,108.00 | 9,638.00 | 9,438.00 | 7,632.00 |
| Cost Of Revenue | 8,244.00 | 8,718.00 | 250.00 | 4,649.00 | 27,300.00 |
| Interest Income | 227,732.00 | 213,335.00 | 142,086.00 | 116,459.00 | 112,327.00 |
| Interest Expense | 99,364.00 | 75,549.00 | 17,920.00 | 8,469.00 | 16,136.00 |
| Net Interest | 128,368.00 | 137,786.00 | 124,166.00 | 107,990.00 | 96,191.00 |
| Non-Interest Income | 125,148.00 | 125,583.00 | 132,606.00 | 114,579.00 | 111,465.00 |
| Non-Interest Expense | 106,691.00 | 111,796.00 | 94,411.00 | 79,176.00 | 73,974.00 |
| Provisions for Credit Losses | 8,244.00 | 9,153.00 | 1,122.00 | 5,366.00 | 27,300.00 |
| Gross Profit | 1,855.00 | 1,390.00 | 9,388.00 | 4,789.00 | -19,668.00 |
| Operating Expenses | 214,021.00 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 21,408.00 | 21,578.00 | 19,440.00 | 14,536.00 | 12,405.00 |
| Other Operating Expenses | 192,613.00 | 0 | 0 | 0 | 0 |
| Operating Income | -212,166.00 | 0 | 0 | 0 | 0 |
| EBT | 193,279.00 | 58,698.00 | 72,835.00 | 62,114.00 | 50,272.00 |
| Income Tax | 8,003.00 | 15,908.00 | 23,131.00 | 19,929.00 | 16,200.00 |
| Net Income | 45,949.00 | 50,848.00 | 60,597.00 | 51,844.00 | 41,876.00 |
| EBIT | 292,643.00 | 134,247.00 | 90,755.00 | 70,583.00 | 66,408.00 |
| Deprecation and Amortization | 6,401.00 | 7,327.00 | 4,899.00 | 3,539.00 | 3,122.00 |
| EBITDA | 299,044.00 | 141,574.00 | 95,654.00 | 74,122.00 | 69,530.00 |
| 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 | 37,327.85 | 37,384.12 | 33,844.94 | 29,167.36 | 28,266.51 |
| Average Shares Outstanding Diluted | 37,511.89 | 37,498.27 | 33,928.94 | 29,279.79 | 28,394.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 83,478.00 | 85,260.00 | 118,110.00 | 108,376.00 | 80,590.00 |
| Operating Net Income | 137,847.00 | 199,728.00 | 242,388.00 | 207,376.00 | 167,504.00 |
| Deprecation and Amortization | 6,401.00 | 7,327.00 | 4,899.00 | 3,539.00 | 3,122.00 |
| Deferred Income Tax | 2,389.00 | -464.00 | 1,353.00 | -524.00 | -1,526.00 |
| Share Based Compensation | 2,643.00 | 2,612.00 | 1,817.00 | 1,193.00 | 1,443.00 |
| Change in Working Capital | -4,365.00 | 3,860.00 | -10,065.00 | 8,081.00 | 5,393.00 |
| Other Operating Activities | -61,437.00 | -127,803.00 | -122,282.00 | -111,289.00 | -95,346.00 |
| Investing Cash Flow | -95,125.00 | 44,496.00 | -208,453.00 | -453,231.00 | -181,252.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 12,023.00 | 4,413.00 | 6,904.00 | 1,412.00 | 4,198.00 |
| Net Purchase/Sale of Investments Net | 225,222.00 | 180,602.00 | 357,837.00 | 961,690.00 | 303,053.00 |
| Net Purchase/Sale of Business | 600.00 | 13,175.00 | 1,033.00 | -83,773.00 | 3,146.00 |
| Net Loan & Lease Activity | 70,293.00 | 61,919.00 | 77,198.00 | -231,479.00 | 86,741.00 |
| Other Investing Activities | -403,263.00 | -215,613.00 | -651,425.00 | -1,101,081.00 | -578,390.00 |
| Financing Cash Flow | -17,333.00 | -149,075.00 | 65,525.00 | 286,362.00 | 267,790.00 |
| Net Issuance/Repayment of Debt | -50,000.00 | 185,000.00 | 95,000.00 | 207,711.00 | -1,969.00 |
| Net Issuance/Repurchase of Equity | 0 | 11,544.00 | 0 | 164.00 | 14,238.00 |
| Dividends Paid | 25,388.00 | 25,396.00 | 22,004.00 | 14,072.00 | 12,654.00 |
| Other Financing Activities | 7,279.00 | -371,015.00 | -51,479.00 | 64,415.00 | 242,867.00 |
| Net Change in Cash | -28,980.00 | -19,319.00 | -24,818.00 | -141,831.00 | 183,861.00 |
| Cash at Beginning of Period | 114,718.00 | 122,977.00 | 100,369.00 | 0 | 0 |
| Cash at End of Period | 85,738.00 | 103,658.00 | 75,551.00 | 0 | 0 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 15,708,222.00 | 15,537,153.00 | 15,472,220.00 | 15,852,783.00 | 5,236,503.00 | 5,156,853.00 | 5,080,010.00 | 10,652,019.00 | 4,971,163.00 | 5,073,454.00 | 5,109,886.00 | 9,567,448.00 | 9,240,044.00 | 9,228,728.00 | 9,511,710.00 | 8,847,524.00 | 7,433,294.00 | 7,313,116.00 | 3,324,524.00 | 6,503,297.00 |
| Deposits | 4,400,515.00 | 4,396,417.00 | 4,481,288.00 | 8,458,607.00 | 8,648,742.00 | 4,205,835.00 | 4,198,125.00 | 4,177,386.00 | 8,769,043.00 | 8,520,361.00 | 8,710,151.00 | 7,860,085.00 | 8,018,543.00 | 8,133,680.00 | 8,283,622.00 | 3,547,235.00 | 6,425,826.00 | 6,235,246.00 | 5,634,108.00 | 5,189,756.00 |
| Cash and Short-Term Investments | 92,345.00 | 90,740.00 | 113,256.00 | 106,164.00 | 210,285.00 | 204,788.00 | 171,595.00 | 132,554.00 | 119,264.00 | 145,863.00 | 158,510.00 | 96,946.00 | 100,795.00 | 86,559.00 | 166,851.00 | 141,940.00 | 106,741.00 | 187,536.00 | 364,002.00 | 296,620.00 |
| Cash and Cash Equivalents | 92,345.00 | 90,740.00 | 113,256.00 | 106,164.00 | 210,285.00 | 204,788.00 | 171,595.00 | 132,554.00 | 119,264.00 | 145,863.00 | 158,510.00 | 96,946.00 | 100,795.00 | 86,559.00 | 166,851.00 | 141,940.00 | 106,741.00 | 173,540.00 | 349,550.00 | 275,124.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13,996.00 | 14,452.00 | 21,496.00 |
| Net Receivables | 21,902,122.00 | 21,658,690.00 | 21,297,693.00 | 38,851,244.00 | 38,965,349.00 | 38,405,651.00 | 3,181,318.00 | 3,198,127.00 | 3,168,554.00 | 3,155,200.00 | 3,152,339.00 | 2,404,750.00 | 2,399,981.00 | 2,374,485.00 | 2,304,971.00 | 2,331,082.00 | 1,894,216.00 | 1,274,717.00 | 1,330,881.00 | 1,345,862.00 |
| 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 | 64,339.00 | 63,588.00 | 62,891.00 | 61,974.00 | 57,095.00 | 54,151.00 | 54,109.00 | 53,164.00 | 53,844.00 | 53,696.00 | 63,665.00 | 47,582.00 | 47,827.00 | 43,130.00 | 43,205.00 | 43,920.00 | 29,290.00 | 29,357.00 | 29,973.00 | 30,449.00 |
| Goodwill | 167,400.00 | 167,450.00 | 167,450.00 | 167,450.00 | 167,446.00 | 167,446.00 | 167,446.00 | 167,446.00 | 167,907.00 | 167,907.00 | 167,907.00 | 94,640.00 | 94,640.00 | 94,240.00 | 94,240.00 | 94,240.00 | 45,775.00 | 45,775.00 | 45,775.00 | 45,775.00 |
| Intangible Assets | 18,563.00 | 19,281.00 | 20,016.00 | 20,750.00 | 20,894.00 | 21,524.00 | 22,153.00 | 22,842.00 | 23,419.00 | 24,144.00 | 25,366.00 | 7,026.00 | 7,728.00 | 7,527.00 | 7,947.00 | 8,366.00 | 2,895.00 | 3,210.00 | 3,526.00 | 3,842.00 |
| Long-Term Investments | 0 | 0 | 0 | 306.00 | 0 | 0 | 0 | 424.00 | 0 | 0 | 0 | 600.00 | 0 | 0 | 0 | 0 | 9,600.00 | 9,500.00 | 9,500.00 | 9,400.00 |
| 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 | 4,769,626.00 | 4,740,680.00 | 4,727,906.00 | 4,800,587.00 | 4,796,825.00 | 4,760,159.00 | 4,682,984.00 | 4,764,839.00 | 4,655,181.00 | 4,706,463.00 | 4,735,244.00 | 3,880,658.00 | 3,854,403.00 | 3,792,915.00 | 3,811,969.00 | 3,759,911.00 | 2,939,523.00 | 2,893,150.00 | 2,977,169.00 | 2,731,955.00 |
| 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 | 235,000.00 | 203,000.00 | 102,000.00 | 305,000.00 | 285,000.00 | 691,000.00 | 630,000.00 | 640,000.00 | 0 | 300,000.00 | 204,000.00 | 95,000.00 | 155,000.00 | 50,000.00 | 0 | 0 | 0 | 3,828.00 | 14,930.00 | 6,863.00 |
| 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 | 10,938,596.00 | 10,796,473.00 | 10,744,314.00 | 11,052,196.00 | 439,678.00 | 396,694.00 | 397,026.00 | 5,887,180.00 | 315,982.00 | 366,991.00 | 374,642.00 | 5,686,790.00 | 5,385,641.00 | 5,435,813.00 | 5,699,741.00 | 5,087,613.00 | 4,493,771.00 | 4,419,966.00 | 347,355.00 | 3,771,342.00 |
| Shareholders Equity | 776,813.00 | 698,758.00 | 680,967.00 | 1,024,819.00 | 728,405.00 | 602,155.00 | 609,098.00 | 1,040,691.00 | 315,982.00 | 366,991.00 | 374,642.00 | 876,885.00 | 602,238.00 | 723,098.00 | 874,472.00 | 1,413,424.00 | 838,048.00 | 817,016.00 | 347,355.00 | 1,050,291.00 |
| Capital Stock | 366,214.00 | 365,790.00 | 365,645.00 | 366,059.00 | 365,542.00 | 364,985.00 | 364,843.00 | 365,305.00 | 364,929.00 | 364,644.00 | 364,318.00 | 305,340.00 | 304,838.00 | 304,707.00 | 304,670.00 | 306,123.00 | 208,539.00 | 208,312.00 | 208,199.00 | 208,763.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 277,930.00 | 271,869.00 | 264,356.00 | 257,173.00 | 249,171.00 | 247,023.00 | 241,628.00 | 236,757.00 | 228,553.00 | 221,612.00 | 213,013.00 | 212,375.00 | 204,808.00 | 194,809.00 | 184,302.00 | 173,896.00 | 172,939.00 | 160,042.00 | 147,583.00 | 138,073.00 |
| Treasury Shares | 23,110.00 | 23,173.00 | 23,566.00 | 23,939.00 | 24,084.00 | 24,081.00 | 24,491.00 | 25,093.00 | 25,287.00 | 25,737.00 | 25,995.00 | 14,930.00 | 14,865.00 | 15,247.00 | 15,586.00 | 16,882.00 | 18,214.00 | 18,250.00 | 18,359.00 | 18,771.00 |
| Accumulated Other Comprehensive Income | -155,085.00 | -176,738.00 | -177,301.00 | -193,265.00 | -150,951.00 | -191,233.00 | -184,954.00 | -172,554.00 | -252,213.00 | -193,528.00 | -176,694.00 | -210,490.00 | -229,162.00 | -162,820.00 | -79,500.00 | 9,295.00 | 14,260.00 | 16,804.00 | 9,932.00 | 22,032.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 26,378,435.00 | 26,007,272.00 | 25,738,225.00 | 32,672,990.00 | 32,880,119.00 | 32,322,961.00 | 5,115,215.00 | 5,234,115.00 | 4,878,286.00 | 5,312,487.00 | 5,461,466.00 | 5,105,544.00 | 5,214,931.00 | 5,481,179.00 | 5,888,523.00 | 5,741,167.00 | 4,752,485.00 | 3,999,080.00 | 3,225,916.00 | 2,323,896.00 |
| Debt | 321,581.00 | 289,428.00 | 188,275.00 | 391,150.00 | 656,038.00 | 779,890.00 | 718,777.00 | 728,663.00 | 88,550.00 | 388,437.00 | 292,324.00 | 183,211.00 | 243,098.00 | 137,985.00 | 87,872.00 | 87,758.00 | 49,649.00 | 78,369.00 | 89,403.00 | 83,248.00 |
| Net Debt | 229,236.00 | 198,688.00 | 75,019.00 | 284,986.00 | 445,753.00 | 575,102.00 | 547,182.00 | 596,109.00 | 0 | 242,574.00 | 133,814.00 | 86,265.00 | 142,303.00 | 51,426.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 37,646.55 | 37,641.67 | 37,614.63 | 37,585.61 | 37,573.65 | 37,574.78 | 37,545.86 | 37,502.77 | 37,489.48 | 37,457.25 | 37,439.39 | 34,055.12 | 34,059.66 | 34,032.16 | 34,007.68 | 33,898.24 | 28,321.58 | 28,321.89 | 28,236.69 | 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 | 7,982.00 | 5,237.00 | 2,641.00 | -5,523.00 | 7,398.00 | 5,431.00 | 2,793.00 | -4,767.00 | 7,453.00 | 4,835.00 | 2,587.00 | -5,041.00 | 7,265.00 | 4,895.00 | 2,519.00 | -4,321.00 | 6,929.00 | 4,594.00 | 2,236.00 |
| Cost Of Revenue | 9,872.00 | 6,952.00 | 182.00 | -1,532.00 | 7,932.00 | 1,395.00 | 449.00 | -17,372.00 | 8,867.00 | 8,624.00 | 8,599.00 | -2,002.00 | 706.00 | 616.00 | 930.00 | 3,257.00 | 472.00 | 475.00 | 445.00 |
| Interest Income | 174,374.00 | 115,008.00 | 57,305.00 | -109,045.00 | 169,823.00 | 111,900.00 | 55,054.00 | -100,201.00 | 158,266.00 | 104,037.00 | 51,233.00 | -62,733.00 | 103,975.00 | 67,565.00 | 33,279.00 | -52,504.00 | 84,774.00 | 56,399.00 | 27,790.00 |
| Interest Expense | 68,949.00 | 45,891.00 | 23,110.00 | -46,344.00 | 74,194.00 | 48,147.00 | 23,367.00 | -25,233.00 | 53,310.00 | 32,849.00 | 14,623.00 | 2,030.00 | 9,241.00 | 4,612.00 | 2,037.00 | -5,179.00 | 6,483.00 | 4,642.00 | 2,523.00 |
| Net Interest | 105,425.00 | 69,117.00 | 34,195.00 | -62,701.00 | 95,629.00 | 63,753.00 | 31,687.00 | -74,968.00 | 104,956.00 | 71,188.00 | 36,610.00 | -64,763.00 | 94,734.00 | 62,953.00 | 31,242.00 | -47,325.00 | 78,291.00 | 51,757.00 | 25,267.00 |
| Non-Interest Income | 34,032.00 | 22,603.00 | 10,481.00 | -44,718.00 | 90,906.00 | 53,889.00 | 25,071.00 | -54,429.00 | 89,115.00 | 59,622.00 | 31,275.00 | -110,019.00 | 108,006.00 | 81,525.00 | 53,094.00 | -64,653.00 | 86,118.00 | 61,365.00 | 31,749.00 |
| Non-Interest Expense | 87,381.00 | 55,701.00 | 28,526.00 | -54,307.00 | 80,517.00 | 53,442.00 | 27,039.00 | -60,858.00 | 84,824.00 | 57,108.00 | 30,722.00 | -61,278.00 | 73,316.00 | 51,917.00 | 30,456.00 | -25,360.00 | 51,566.00 | 35,202.00 | 17,768.00 |
| Provisions for Credit Losses | 5,109.00 | 3,608.00 | 22.00 | -634.00 | 7,932.00 | 1,395.00 | -449.00 | -16,937.00 | 8,867.00 | 8,624.00 | 8,599.00 | 730.00 | 706.00 | 616.00 | -930.00 | 4,941.00 | 0 | 0 | 425.00 |
| Gross Profit | -1,890.00 | -1,715.00 | 2,459.00 | -3,991.00 | -534.00 | 4,036.00 | 2,344.00 | 12,605.00 | -1,414.00 | -3,789.00 | -6,012.00 | -3,039.00 | 6,559.00 | 4,279.00 | 1,589.00 | -7,578.00 | 6,457.00 | 4,119.00 | 1,791.00 |
| Operating Expenses | 161,093.00 | 104,936.00 | 51,432.00 | 214,021.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 42,398.00 | 27,853.00 | 14,042.00 | -11,232.00 | 16,356.00 | 10,869.00 | 5,415.00 | -10,997.00 | 16,264.00 | 10,919.00 | 5,392.00 | -12,711.00 | 15,276.00 | 10,668.00 | 6,207.00 | -6,177.00 | 10,200.00 | 6,784.00 | 3,729.00 |
| Other Operating Expenses | 118,695.00 | 77,083.00 | 37,390.00 | 192,613.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Income | -162,983.00 | -106,651.00 | -48,973.00 | -212,166.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EBT | 170,317.00 | 112,135.00 | 57,552.00 | 114,471.00 | 37,743.00 | 27,611.00 | 13,454.00 | -15,316.00 | 40,970.00 | 25,330.00 | 7,714.00 | -40,674.00 | 56,714.00 | 37,953.00 | 18,842.00 | -47,982.00 | 55,904.00 | 36,535.00 | 17,657.00 |
| Income Tax | 7,364.00 | 5,187.00 | 2,776.00 | -4,984.00 | 6,185.00 | 4,588.00 | 2,214.00 | 6,366.00 | 5,614.00 | 3,289.00 | 639.00 | 4,502.00 | 9,473.00 | 6,158.00 | 2,998.00 | 662.00 | 9,762.00 | 6,404.00 | 3,101.00 |
| Net Income | 39,949.00 | 27,488.00 | 13,578.00 | -22,468.00 | 32,511.00 | 24,107.00 | 11,799.00 | -16,439.00 | 36,608.00 | 23,158.00 | 7,521.00 | -34,283.00 | 47,241.00 | 31,795.00 | 15,844.00 | -38,985.00 | 46,142.00 | 30,131.00 | 14,556.00 |
| EBIT | 239,266.00 | 158,026.00 | 80,662.00 | 68,127.00 | 111,937.00 | 75,758.00 | 36,821.00 | -40,549.00 | 94,280.00 | 58,179.00 | 22,337.00 | -38,644.00 | 65,955.00 | 42,565.00 | 20,879.00 | -53,161.00 | 62,387.00 | 41,177.00 | 20,180.00 |
| Deprecation and Amortization | 5,046.00 | 3,349.00 | 1,613.00 | -2,917.00 | 4,604.00 | 3,103.00 | 1,611.00 | -4,452.00 | 5,779.00 | 4,101.00 | 1,899.00 | -2,079.00 | 3,475.00 | 2,341.00 | 1,162.00 | -1,289.00 | 2,429.00 | 1,601.00 | 798.00 |
| EBITDA | 244,312.00 | 161,375.00 | 82,275.00 | 65,210.00 | 116,541.00 | 78,861.00 | 38,432.00 | -45,001.00 | 100,059.00 | 62,280.00 | 24,236.00 | -40,723.00 | 69,430.00 | 44,906.00 | 22,041.00 | -54,450.00 | 64,816.00 | 42,778.00 | 20,978.00 |
| 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 | 37,467.63 | 37,442.05 | 37,380.61 | 37,354.66 | 37,352.87 | 37,325.65 | 37,278.21 | 36,755.03 | 37,430.78 | 37,527.05 | 37,823.63 | 33,857.25 | 33,851.60 | 33,850.45 | 33,820.49 | 31,962.57 | 28,246.21 | 28,244.88 | 28,215.77 |
| Average Shares Outstanding Diluted | 37,677.12 | 37,622.16 | 37,626.48 | 37,514.20 | 37,566.96 | 37,487.13 | 37,479.25 | 36,902.80 | 37,533.21 | 37,623.87 | 37,933.20 | 33,919.59 | 33,931.88 | 33,927.35 | 33,936.94 | 32,069.66 | 28,360.56 | 28,352.79 | 28,336.14 |
| 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 | 40,400.00 | 29,688.00 | 15,670.00 | -12,700.00 | 53,373.00 | 29,642.00 | 13,163.00 | -5,761.00 | 48,450.00 | 28,875.00 | 13,696.00 | 2,555.00 | 62,123.00 | 40,233.00 | 13,199.00 | 37,935.00 | 39,957.00 | 23,447.00 | 7,037.00 |
| Operating Net Income | 39,949.00 | 27,488.00 | 13,578.00 | 49,546.00 | 31,558.00 | 23,023.00 | 33,720.00 | 121,106.00 | 35,356.00 | 22,041.00 | 21,225.00 | 115,820.00 | 47,241.00 | 31,795.00 | 47,532.00 | -65,111.00 | 138,426.00 | 90,393.00 | 43,668.00 |
| Deprecation and Amortization | 5,046.00 | 3,349.00 | 1,613.00 | -2,917.00 | 4,604.00 | 3,103.00 | 1,611.00 | -4,452.00 | 5,779.00 | 4,101.00 | 1,899.00 | -2,079.00 | 3,475.00 | 2,341.00 | 1,162.00 | -1,289.00 | 2,429.00 | 1,601.00 | 798.00 |
| Deferred Income Tax | 0 | 0 | 0 | 2,389.00 | 0 | 0 | 0 | -464.00 | 0 | 0 | 0 | 1,353.00 | 0 | 0 | 0 | -524.00 | 0 | 0 | 0 |
| Share Based Compensation | 1,932.00 | 1,287.00 | 642.00 | -1,263.00 | 1,956.00 | 1,288.00 | 662.00 | -1,275.00 | 2,008.00 | 1,264.00 | 615.00 | -667.00 | 1,316.00 | 803.00 | 365.00 | -589.00 | 865.00 | 587.00 | 330.00 |
| Change in Working Capital | 9,028.00 | 6,353.00 | 2,800.00 | 1,946.00 | -7,318.00 | -810.00 | 1,817.00 | -10,937.00 | 2,012.00 | 7,935.00 | 4,850.00 | -12,096.00 | -4,387.00 | -1,309.00 | 7,727.00 | -25,567.00 | 11,409.00 | 12,496.00 | 9,743.00 |
| Other Operating Activities | -15,555.00 | -8,789.00 | -2,963.00 | -62,401.00 | 22,573.00 | 3,038.00 | -24,647.00 | -109,739.00 | 3,295.00 | -6,466.00 | -14,893.00 | -99,776.00 | 14,478.00 | 6,603.00 | -43,587.00 | 131,015.00 | -113,172.00 | -81,630.00 | -47,502.00 |
| Investing Cash Flow | -77,389.00 | -38,742.00 | 7,417.00 | -42,689.00 | -60,773.00 | -19,074.00 | 27,411.00 | -188,834.00 | 96,461.00 | 72,747.00 | 64,122.00 | 379,707.00 | -253,600.00 | -205,037.00 | -129,523.00 | 422,689.00 | -431,348.00 | -289,640.00 | -154,932.00 |
| 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 | 7,070.00 | 5,390.00 | 3,509.00 | 12,023.00 | 0 | 0 | 0 | 4,413.00 | 0 | 0 | 0 | -2,226.00 | 5,824.00 | 2,939.00 | 367.00 | 611.00 | 460.00 | 122.00 | 219.00 |
| Net Purchase/Sale of Investments Net | 205,926.00 | 107,051.00 | 75,028.00 | -163,293.00 | 161,643.00 | 122,171.00 | 104,701.00 | -186,698.00 | 156,902.00 | 114,553.00 | 95,845.00 | -392,555.00 | 306,809.00 | 248,434.00 | 195,149.00 | -641,691.00 | 788,873.00 | 529,284.00 | 285,224.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 600.00 | 0 | 0 | 0 | -26,350.00 | 13,175.00 | 13,175.00 | 13,175.00 | 0.00 | 1,033.00 | 0 | 0 | -83,773.00 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 70,293.00 | 61,919.00 | 77,198.00 | -231,479.00 | 86,741.00 | ||||||||||||||
| Other Investing Activities | -301,994.00 | -162,672.00 | -80,764.00 | 134,242.00 | -302,662.00 | -173,530.00 | -61,313.00 | -949.00 | -97,853.00 | -65,417.00 | -51,394.00 | 790,494.00 | -638,975.00 | -502,003.00 | -300,941.00 | 1,030,416.00 | -1,035,388.00 | -698,710.00 | -397,399.00 |
| Financing Cash Flow | 43,596.00 | 14,056.00 | 4,431.00 | -181,370.00 | 92,878.00 | 66,761.00 | 4,398.00 | 63,942.00 | -126,539.00 | -61,110.00 | -25,368.00 | -351,776.00 | 158,668.00 | 117,472.00 | 141,161.00 | -310,804.00 | 216,578.00 | 160,929.00 | 219,659.00 |
| Net Issuance/Repayment of Debt | -70,000.00 | -102,000.00 | -203,000.00 | -21,000.00 | -70,000.00 | 51,000.00 | -10,000.00 | 191,000.00 | -170,000.00 | 130,000.00 | 34,000.00 | -110,000.00 | 155,000.00 | 50,000.00 | 0 | 175,296.00 | 24,459.00 | 3,287.00 | 4,669.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -23,088.00 | 11,544.00 | 11,544.00 | 11,544.00 | 0 | 0 | 0 | 0 | -184.00 | 116.00 | 116.00 | 116.00 |
| Dividends Paid | 19,096.00 | 12,727.00 | 6,361.00 | -12,679.00 | 19,038.00 | 12,688.00 | 6,341.00 | -12,804.00 | 19,064.00 | 12,733.00 | 6,403.00 | -10,490.00 | 16,248.00 | 10,831.00 | 5,415.00 | -4,605.00 | 9,340.00 | 6,227.00 | 3,110.00 |
| Other Financing Activities | 94,500.00 | 103,329.00 | 201,070.00 | -147,691.00 | 143,840.00 | 3,073.00 | 8,057.00 | -91,166.00 | 12,853.00 | -215,387.00 | -77,315.00 | -231,286.00 | -12,580.00 | 56,641.00 | 135,746.00 | -481,311.00 | 182,663.00 | 151,299.00 | 211,764.00 |
| Net Change in Cash | 6,607.00 | 5,002.00 | 27,518.00 | -236,759.00 | 85,478.00 | 77,329.00 | 44,972.00 | -130,653.00 | 18,372.00 | 40,512.00 | 52,450.00 | 30,486.00 | -32,809.00 | -47,332.00 | 24,837.00 | 66,482.00 | -174,813.00 | -105,264.00 | 71,764.00 |
| Cash at Beginning of Period | 85,738.00 | 85,738.00 | 85,738.00 | 322,497.00 | 103,658.00 | 103,658.00 | 103,658.00 | 234,311.00 | 75,551.00 | 75,551.00 | 75,551.00 | 45,065.00 | 112,790.00 | 112,790.00 | 112,790.00 | 0.00 | 0 | 0 | 0 |
| Cash at End of Period | 92,345.00 | 90,740.00 | 113,256.00 | 85,738.00 | 189,136.00 | 180,987.00 | 148,630.00 | 103,658.00 | 93,923.00 | 116,063.00 | 128,001.00 | 75,551.00 | 79,981.00 | 65,458.00 | 137,627.00 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |