FNLC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 11.16 | 10.53 | 8.41 | 9.43 | 10.16 |
| Price to Sales | 147.60 | 164.45 | 229.78 | 218.36 | 54.24 |
| Book Value Per Common Share | 22.63 | 21.90 | 20.73 | 22.34 | 20.43 |
| Price to Book | 1.21 | 1.29 | 1.44 | 1.41 | 1.24 |
| Price to Operating Cash Flow | 11.60 | 8.41 | 7.94 | 6.04 | 12.15 |
| Price to Free Cash Flow | 12.30 | 9.05 | 8.22 | 6.47 | 13.68 |
| Enterprise Value to EBITDA | 25354.91 | 30942.79 | 48973.09 | 58084.75 | 51457.83 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 32.02 | 34.81 | 38.63 | 38.14 | 44.80 | 35.47 | 33.80 | 35.60 | |||||
| Price to Sales | 11.87 | 12.50 | 1404.55 | 14.07 | 2088.14 | 239.28 | 274.70 | 941.61 | |||||
| Book Value Per Common Share | 24.48 | 23.69 | 23.19 | 22.63 | 23.03 | 21.80 | 21.90 | 20.63 | 20.73 | 21.19 | 22.34 | 20.78 | 20.43 |
| Price to Book | 1.07 | 1.07 | 1.07 | 1.21 | 1.14 | 1.13 | 1.29 | 1.25 | 1.44 | 1.42 | 1.41 | 1.41 | 1.24 |
| Price to Operating Cash Flow | 22.58 | 38.23 | 125.61 | 29.60 | -181.58 | 56.16 | 41.99 | 16.69 | |||||
| Price to Free Cash Flow | 23.12 | 38.94 | 330.48 | 29.94 | -149.15 | 62.70 | 46.13 | 20.13 | |||||
| Enterprise Value to EBITDA | 90841.29 | 97320.72 | 131623.71 | 228841.23 | 211960.73 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -8.58 | -24.72 | 6.91 | 33.20 | |
| Revenue YoY | 8.53 | 32.51 | -9.18 | -69.16 | |
| EBITDA YoY | 18.89 | 49.89 | 13.57 | 10.00 | |
| Net Profit YoY | -8.38 | -24.29 | 7.50 | 33.69 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 12.33 | 14.06 | -7.25 | 25.45 | -24.66 | -17.98 | 8.54 | ||||||
| Revenue YoY | 8.86 | 11457.44 | -99.05 | 15687.69 | -89.03 | -1.00 | 255.19 | ||||||
| EBITDA YoY | 29.38 | 50.32 | -4.20 | ||||||||||
| Net Profit YoY | 12.64 | 13.93 | -6.52 | 25.74 | -24.46 | -17.87 | 8.78 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 4.50 | 3.22 | 2.42 | 8.01 | 7.59 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 11.50 | 11.12 | 10.97 | 9.29 | 9.55 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 2.65 | 4.46 | 2.43 | 3.19 | 2.76 | 2.39 | 3.70 | 7.94 | 11.45 | 7.52 | |||
| Quick Ratio | |||||||||||||
| Current Ratio | |||||||||||||
| Debt to Equity | 10.65 | 11.05 | 11.27 | 11.50 | 11.24 | 11.27 | 11.12 | 11.31 | 10.97 | 9.91 | 9.29 | 9.68 | 9.55 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.86 | 1.00 | 1.42 | 1.44 | 1.15 |
| ROE | 10.71 | 12.14 | 17.03 | 14.76 | 12.13 |
| Gross Margin | 36.33 | 29.52 | -22.89 | 57.91 | 93.08 |
| Operating Margin | 5737.60 | 5228.88 | 4512.29 | 3487.95 | 974.16 |
| EBITDA Margin | 5875.83 | 5363.86 | 4742.06 | 3792.03 | 1063.03 |
| Net Profit Margin | 1320.56 | 1564.28 | 2738.06 | 2313.07 | 533.51 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.28 | 0.25 | 0.22 | 0.24 | 0.20 | 0.28 | 0.38 | 0.37 | |||||
| ROE | 3.31 | 3.04 | 2.73 | 2.95 | 2.48 | 3.49 | 4.15 | 3.91 | |||||
| Gross Margin | -103.08 | 23.85 | 53.59 | 84.71 | 55.19 | ||||||||
| Operating Margin | 15115.38 | 21061.54 | 1779.16 | 1141.60 | 4110.39 | ||||||||
| EBITDA Margin | 15626.15 | 21679.23 | 1838.23 | 1210.61 | 4488.43 | ||||||||
| Net Profit Margin | 37.02 | 35.78 | 3629.23 | 36.89 | 4631.54 | 672.66 | 810.78 | 2647.48 |
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 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | ||||||||||
| Dividend Payout Ratio | 45.68 | 51.42 | 52.98 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 3,157,010.00 | 2,946,698.00 | 2,739,178.00 | 2,527,099.00 | 2,361,236.00 |
| Deposits | 2,725,251.00 | 2,599,662.00 | 2,378,877.00 | 2,123,297.00 | 1,844,611.00 |
| Cash and Short-Term Investments | 49,736.00 | 35,430.00 | 26,421.00 | 87,312.00 | 82,363.00 |
| Cash and Cash Equivalents | 49,736.00 | 35,430.00 | 26,421.00 | 87,312.00 | 82,363.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 13,976.00 | 11,894.00 | 3,822,454.00 | 3,302,842.00 | 2,930,314.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 565.00 | 652.00 | 737.00 | 29,771.00 | 27,762.00 |
| Real Estate | 208.00 | 0 | 0 | 0 | 908.00 |
| Goodwill | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| 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 | 2,904,517.00 | 2,703,619.00 | 2,510,255.00 | 2,281,442.00 | 2,137,510.00 |
| 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 | 51,278.00 | 69,652.00 | 103,399.00 | 81,252.00 | 206,940.00 |
| 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 | 252,493.00 | 243,079.00 | 228,923.00 | 245,657.00 | 223,726.00 |
| Shareholders Equity | 252,493.00 | 243,079.00 | 228,923.00 | 245,657.00 | 223,726.00 |
| Capital Stock | 112.00 | 111.00 | 110.00 | 110.00 | 110.00 |
| Share Premium | 71,832.00 | 70,071.00 | 68,435.00 | 66,830.00 | 65,285.00 |
| Retained Earnings | 222,823.00 | 211,925.00 | 204,343.00 | 180,417.00 | 158,359.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -42,227.00 | -38,972.00 | -43,901.00 | -1,613.00 | 105.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 644,384.00 | 667,288.00 | 1,914,674.00 | 2,338,255.00 | 2,155,750.00 |
| Debt | 146,278.00 | 69,652.00 | 103,483.00 | 136,342.00 | 262,038.00 |
| Net Debt | 96,542.00 | 34,222.00 | 77,062.00 | 49,030.00 | 179,675.00 |
| Common Shares Outstanding | 11,155.53 | 11,098.06 | 11,045.19 | 10,998.76 | 10,950.29 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 2,048.00 | 1,887.00 | 1,424.00 | 1,568.00 | 5,085.00 |
| Cost Of Revenue | 1,304.00 | 1,330.00 | 1,750.00 | 660.00 | 352.00 |
| Interest Income | 167,674.00 | 147,557.00 | 109,950.00 | 91,895.00 | 95,083.00 |
| Interest Expense | 84,922.00 | 62,967.00 | 16,869.00 | 10,778.00 | 17,286.00 |
| Net Interest | 63,910.00 | 65,207.00 | 76,166.00 | 66,303.00 | 59,833.00 |
| Non-Interest Income | 16,355.00 | 15,437.00 | 16,874.00 | 19,383.00 | 18,119.00 |
| Non-Interest Expense | -47,156.00 | -43,758.00 | -43,904.00 | -42,148.00 | -39,652.00 |
| Provisions for Credit Losses | 1,304.00 | 1,330.00 | 1,750.00 | 0 | 0 |
| Gross Profit | 744.00 | 557.00 | -326.00 | 908.00 | 4,733.00 |
| Selling, General and Administrative Expenses | 3,373.00 | 3,319.00 | 3,052.00 | 2,841.00 | 2,762.00 |
| EBT | 32,584.00 | 35,702.00 | 47,386.00 | 43,913.00 | 32,250.00 |
| Income Tax | 5,539.00 | 6,184.00 | 8,396.00 | 7,644.00 | 5,121.00 |
| Net Income | 27,045.00 | 29,518.00 | 38,990.00 | 36,269.00 | 27,129.00 |
| EBIT | 117,506.00 | 98,669.00 | 64,255.00 | 54,691.00 | 49,536.00 |
| Deprecation and Amortization | 2,831.00 | 2,547.00 | 3,272.00 | 4,768.00 | 4,519.00 |
| EBITDA | 120,337.00 | 101,216.00 | 67,527.00 | 59,459.00 | 54,055.00 |
| 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 | 11,051.83 | 10,998.04 | 10,931.33 | 10,903.84 | 10,858.61 |
| Average Shares Outstanding Diluted | 11,138.83 | 11,081.89 | 11,030.66 | 10,987.18 | 10,932.82 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 26,047.00 | 36,919.00 | 41,213.00 | 56,693.00 | 22,698.00 |
| Operating Net Income | 27,045.00 | 29,518.00 | 38,990.00 | 36,269.00 | 27,129.00 |
| Deprecation and Amortization | 2,831.00 | 2,547.00 | 3,272.00 | 4,768.00 | 4,519.00 |
| Deferred Income Tax | 20.00 | -1,360.00 | -127.00 | 999.00 | -262.00 |
| Share Based Compensation | 895.00 | 820.00 | 809.00 | 856.00 | 652.00 |
| Change in Working Capital | -6,337.00 | 3,944.00 | -4,020.00 | 9,272.00 | -8,390.00 |
| Other Operating Activities | 1,593.00 | 1,450.00 | 2,289.00 | 4,529.00 | -950.00 |
| Investing Cash Flow | -217,420.00 | -199,808.00 | -247,580.00 | -201,749.00 | -250,071.00 |
| Capital Expenditure | -1,475.00 | -2,635.00 | -1,404.00 | -3,757.00 | -2,540.00 |
| Net Purchase/Sale of PPE | -1,471.00 | -2,632.00 | -1,366.00 | -3,754.00 | -2,473.00 |
| Net Purchase/Sale of Investments Net | 18,638.00 | 17,198.00 | -43,057.00 | -21,403.00 | -36,900.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | -6,060.00 |
| Other Investing Activities | -233,112.00 | -211,739.00 | -201,753.00 | -172,835.00 | -202,098.00 |
| Financing Cash Flow | 187,067.00 | 172,103.00 | 208,461.00 | 139,478.00 | 239,152.00 |
| Net Issuance/Repayment of Debt | 76,626.00 | -33,831.00 | -32,859.00 | -125,696.00 | 77,083.00 |
| Net Issuance/Repurchase of Equity | 1,079.00 | 1,067.00 | 1,073.00 | 942.00 | 826.00 |
| Dividends Paid | 15,803.00 | 15,418.00 | 14,779.00 | 13,948.00 | 13,329.00 |
| Other Financing Activities | 93,559.00 | 189,449.00 | 225,468.00 | 250,284.00 | 147,914.00 |
| Net Change in Cash | -4,306.00 | 9,214.00 | 2,094.00 | -5,578.00 | 11,779.00 |
| Cash at Beginning of Period | 31,942.00 | 22,728.00 | 20,634.00 | 26,212.00 | 14,433.00 |
| Cash at End of Period | 27,636.00 | 31,942.00 | 22,728.00 | 20,634.00 | 26,212.00 |
| Free Cash Flow | 24,572.00 | 34,284.00 | 39,809.00 | 52,936.00 | 20,158.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 3,198,478.00 | 3,199,510.00 | 3,187,372.00 | 3,157,010.00 | 3,142,563.00 | 2,978,170.00 | 2,946,698.00 | 2,811,820.00 | 2,739,178.00 | 2,548,607.00 | 2,527,099.00 | 2,436,868.00 | 2,361,236.00 |
| Deposits | 0 | 0 | 2,711,335.00 | 2,725,251.00 | 0 | 2,548,988.00 | 2,599,662.00 | 2,466,701.00 | 2,378,877.00 | 2,158,539.00 | 2,123,297.00 | 1,953,557.00 | 1,844,611.00 |
| Cash and Short-Term Investments | 0 | 0 | 29,370.00 | 49,736.00 | 0 | 26,786.00 | 35,430.00 | 30,231.00 | 26,421.00 | 40,478.00 | 87,312.00 | 124,631.00 | 82,363.00 |
| Cash and Cash Equivalents | 38,831.00 | 30,613.00 | 29,370.00 | 49,736.00 | 52,335.00 | 26,786.00 | 35,430.00 | 30,231.00 | 26,421.00 | 40,478.00 | 87,312.00 | 124,631.00 | 82,363.00 |
| Short-Term Investments | 11.00 | 278,248.00 | 0 | 0 | 285,021.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 16,256.00 | 19,386.00 | 17,923.00 | 13,976.00 | 14,600.00 | 15,970.00 | 11,894.00 | 3,954,378.00 | 3,822,454.00 | 3,392,901.00 | 3,302,842.00 | 3,011,203.00 | 2,930,314.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 27,919.00 | 28,198.00 | 0 | 565.00 | 27,449.00 | 0 | 652.00 | 0 | 737.00 | 29,456.00 | 29,771.00 | 29,985.00 | 27,762.00 |
| Real Estate | 0 | 0 | 0 | 208.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 908.00 |
| Goodwill | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 | 30,646.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 636,045.00 | 646,121.00 | 0 | 0 | 662,656.00 | 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 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 2,923,912.00 | 2,934,018.00 | 2,927,691.00 | 2,904,517.00 | 2,885,780.00 | 2,735,546.00 | 2,703,619.00 | 2,583,359.00 | 2,510,255.00 | 2,314,961.00 | 2,281,442.00 | 2,208,684.00 | 2,137,510.00 |
| Payables and Expenses | 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 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 101,170.00 | 115,444.00 | 51,278.00 | 0 | 84,779.00 | 69,652.00 | 83,800.00 | 103,399.00 | 78,623.00 | 81,252.00 | 174,552.00 | 206,940.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 95,500.00 | 95,000.00 | 0 | 0 | 95,000.00 | 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 |
| Equity | 274,566.00 | 265,492.00 | 259,681.00 | 252,493.00 | 256,783.00 | 242,624.00 | 243,079.00 | 228,461.00 | 228,923.00 | 233,646.00 | 245,657.00 | 228,184.00 | 223,726.00 |
| Shareholders Equity | 274,566.00 | 265,492.00 | 259,681.00 | 252,493.00 | 256,783.00 | 242,624.00 | 243,079.00 | 228,461.00 | 228,923.00 | 233,646.00 | 245,657.00 | 228,184.00 | 223,726.00 |
| Capital Stock | 112.00 | 112.00 | 112.00 | 112.00 | 111.00 | 111.00 | 111.00 | 111.00 | 110.00 | 110.00 | 110.00 | 110.00 | 110.00 |
| Share Premium | 73,276.00 | 72,795.00 | 72,355.00 | 71,832.00 | 71,389.00 | 70,506.00 | 70,071.00 | 68,830.00 | 68,435.00 | 67,246.00 | 66,830.00 | 65,755.00 | 65,285.00 |
| Retained Earnings | 234,435.00 | 229,511.00 | 225,592.00 | 222,823.00 | 219,559.00 | 213,839.00 | 211,925.00 | 202,036.00 | 204,343.00 | 186,324.00 | 180,417.00 | 163,659.00 | 158,359.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -33,257.00 | -36,926.00 | -38,907.00 | -42,227.00 | -34,276.00 | -42,384.00 | -38,972.00 | -43,002.00 | -43,901.00 | -20,166.00 | -1,613.00 | -1,272.00 | 105.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 253,247.00 | 644,384.00 | 0 | 261,840.00 | 667,288.00 | 1,982,847.00 | 1,914,674.00 | 2,020,363.00 | 2,338,255.00 | 2,196,661.00 | 2,155,750.00 |
| Debt | 95,500.00 | 196,170.00 | 185,444.00 | 146,278.00 | 95,000.00 | 154,779.00 | 69,652.00 | 83,881.00 | 103,483.00 | 133,712.00 | 136,342.00 | 229,648.00 | 262,038.00 |
| Net Debt | 56,669.00 | 165,557.00 | 156,074.00 | 96,542.00 | 42,665.00 | 127,993.00 | 34,222.00 | 53,650.00 | 77,062.00 | 93,234.00 | 49,030.00 | 105,017.00 | 179,675.00 |
| Common Shares Outstanding | 11,214.45 | 11,205.86 | 11,196.88 | 11,155.53 | 11,148.07 | 11,130.93 | 11,098.06 | 11,074.18 | 11,045.19 | 11,024.09 | 10,998.76 | 10,983.26 | 10,950.29 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|
| Revenues | 24,533.00 | 22,537.00 | 195.00 | 20,524.00 | 130.00 | 1,185.00 | 1,197.00 | 337.00 |
| Cost Of Revenue | 0 | 0 | 396.00 | 0 | 99.00 | 550.00 | 183.00 | 151.00 |
| Interest Income | 41,005.00 | 39,825.00 | 43,438.00 | 38,287.00 | 39,694.00 | 33,663.00 | 24,444.00 | 22,775.00 |
| Interest Expense | 20,947.00 | 21,416.00 | 20,910.00 | 21,885.00 | 20,108.00 | 11,439.00 | 1,913.00 | 3,080.00 |
| Net Interest | 0 | 0 | 17,799.00 | 0 | 14,880.00 | 17,475.00 | 18,620.00 | 15,873.00 |
| Non-Interest Income | 0 | 0 | 4,002.00 | 0 | 3,640.00 | 3,569.00 | 4,232.00 | 5,298.00 |
| Non-Interest Expense | 12,747.00 | 12,193.00 | -12,844.00 | 11,993.00 | -11,761.00 | -10,850.00 | -10,650.00 | -9,874.00 |
| Provisions for Credit Losses | 0 | 0 | 396.00 | 0 | 99.00 | 550.00 | 0 | 0 |
| Gross Profit | 0 | 0 | -201.00 | 0 | 31.00 | 635.00 | 1,014.00 | 186.00 |
| Selling, General and Administrative Expenses | 7,372.00 | 6,977.00 | 877.00 | 6,762.00 | 866.00 | 868.00 | 829.00 | 753.00 |
| EBT | 11,079.00 | 9,853.00 | 8,565.00 | 9,162.00 | 7,272.00 | 9,644.00 | 11,752.00 | 10,772.00 |
| Income Tax | 1,997.00 | 1,790.00 | 1,488.00 | 1,591.00 | 1,251.00 | 1,673.00 | 2,047.00 | 1,850.00 |
| Net Income Including Non-Controlling Interests | 9,082.00 | 8,063.00 | 0 | 7,571.00 | 0 | 0 | 0 | 0 |
| Net Income | 9,082.00 | 8,063.00 | 7,077.00 | 7,571.00 | 6,021.00 | 7,971.00 | 9,705.00 | 8,922.00 |
| EBIT | 0 | 0 | 29,475.00 | 0 | 27,380.00 | 21,083.00 | 13,665.00 | 13,852.00 |
| Deprecation and Amortization | 554.00 | 537.00 | 996.00 | 569.00 | 803.00 | 700.00 | 826.00 | 1,274.00 |
| EBITDA | 0 | 0 | 30,471.00 | 0 | 28,183.00 | 21,783.00 | 14,491.00 | 15,126.00 |
| EPS | 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 |
| Average Shares Outstanding Basic | 11,093.63 | 11,084.33 | 11,074.84 | 10,972.46 | 11,033.86 | 10,948.51 | 10,931.86 | 10,888.13 |
| Average Shares Outstanding Diluted | 11,211.93 | 11,203.09 | 11,182.93 | 11,133.82 | 11,119.82 | 11,066.25 | 11,026.71 | 10,973.81 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 12,901.00 | 7,367.00 | 2,180.00 | 9,757.00 | -1,497.00 | 5,047.00 | 7,832.00 | 19,044.00 |
| Operating Net Income | 9,082.00 | 8,063.00 | 7,077.00 | 7,571.00 | 6,021.00 | 7,971.00 | 9,705.00 | 8,922.00 |
| Deprecation and Amortization | 554.00 | 537.00 | 996.00 | 569.00 | 803.00 | 700.00 | 826.00 | 1,274.00 |
| Deferred Income Tax | -147.00 | -132.00 | 310.00 | 11.00 | 319.00 | -1,453.00 | 246.00 | 670.00 |
| Share Based Compensation | 254.00 | 212.00 | 298.00 | 230.00 | 231.00 | 184.00 | 217.00 | 288.00 |
| Change in Working Capital | 2,337.00 | -2,281.00 | -6,845.00 | 1,544.00 | -8,367.00 | -3,181.00 | -4,045.00 | 5,248.00 |
| Other Operating Activities | 821.00 | 968.00 | 344.00 | -168.00 | -504.00 | 826.00 | 883.00 | 2,642.00 |
| Investing Cash Flow | 6,265.00 | -7,251.00 | -24,683.00 | -43,688.00 | -37,109.00 | -64,741.00 | -35,436.00 | -98,353.00 |
| Capital Expenditure | -299.00 | -135.00 | -1,352.00 | -111.00 | -326.00 | -526.00 | -703.00 | -3,257.00 |
| Net Purchase/Sale of PPE | -21.00 | 21.00 | -1,330.00 | 0 | -326.00 | -526.00 | -703.00 | -3,257.00 |
| Net Purchase/Sale of Investments Net | 14,683.00 | 4,893.00 | -152.00 | -504.00 | 6,854.00 | 3,054.00 | -23,080.00 | -6,890.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | -8,098.00 | -12,030.00 | -21,849.00 | -43,073.00 | -43,311.00 | -66,743.00 | -10,950.00 | -84,949.00 |
| Financing Cash Flow | -14,920.00 | 812.00 | 21,299.00 | 41,251.00 | 30,539.00 | 64,424.00 | 29,021.00 | 73,126.00 |
| Net Issuance/Repayment of Debt | -43,202.00 | 10,726.00 | 39,166.00 | -79,593.00 | 85,127.00 | -19,602.00 | -2,630.00 | -32,390.00 |
| Net Issuance/Repurchase of Equity | 218.00 | 230.00 | 502.00 | 217.00 | 415.00 | 449.00 | 469.00 | 400.00 |
| Dividends Paid | -4,149.00 | -4,146.00 | 3,899.00 | -4,011.00 | 3,907.00 | 3,773.00 | 3,520.00 | 3,394.00 |
| Other Financing Activities | 32,213.00 | -5,998.00 | -22,268.00 | 124,638.00 | -58,910.00 | 79,804.00 | 27,662.00 | 101,722.00 |
| Net Change in Cash | 4,246.00 | 928.00 | -1,204.00 | 7,320.00 | -8,067.00 | 4,730.00 | 1,417.00 | -6,183.00 |
| Cash at Beginning of Period | 27,360.00 | 26,432.00 | 27,636.00 | 27,816.00 | 31,942.00 | 22,728.00 | 20,634.00 | 26,212.00 |
| Cash at End of Period | 31,606.00 | 27,360.00 | 26,432.00 | 35,136.00 | 23,875.00 | 27,458.00 | 22,051.00 | 20,029.00 |
| Free Cash Flow | 12,602.00 | 7,232.00 | 828.00 | 9,646.00 | -1,823.00 | 4,521.00 | 7,129.00 | 15,787.00 |