FRST
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | -17.67 | ||||
| Price to Sales | |||||
| Book Value Per Common Share | 14.23 | 30.49 | 46.89 | 50.37 | 48.37 |
| Price to Book | 0.82 | 0.42 | 0.25 | 0.30 | |
| Price to Operating Cash Flow | 22.09 | 10.82 | 22.21 | 13.46 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 41337.39 | 33735.23 | 35720.56 | 60901.63 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 8.15 | 10.74 | 10.62 | 42.00 | 43.67 | 121.70 | 90.56 | 36.61 | 18.84 | 37.28 | ||||||||||
| Price to Sales | ||||||||||||||||||||
| Book Value Per Common Share | 15.51 | 15.27 | 15.19 | 14.23 | 15.41 | 15.22 | 15.17 | 30.49 | 15.51 | 30.80 | 31.55 | 46.89 | 30.68 | 31.62 | 32.45 | 50.37 | 33.38 | 33.30 | 32.54 | 48.37 |
| Price to Book | 0.68 | 0.71 | 0.64 | 0.82 | 0.79 | 0.69 | 0.80 | 0.42 | 0.53 | 0.27 | 0.31 | 0.25 | 0.40 | 0.43 | 0.43 | 0.30 | 0.43 | 0.46 | 0.45 | |
| Price to Operating Cash Flow | -14.44 | -40.70 | 7.02 | 5.57 | 5.22 | -311.25 | -4.81 | -6.01 | -21.26 | 12.88 | 26.73 | 112.56 | 15.79 | 29.24 | 41.34 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 23684.15 | 35244.98 | 50140.92 | 32945.05 | 42260.22 | 104087.65 | 24834.39 | 36527.39 | 83943.78 | 82756.85 | 147059.47 | 307740.01 | 72842.00 | 98251.38 | 190213.38 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | |||||
| Revenue YoY | |||||
| EBITDA YoY | -24.75 | 13.18 | 34.94 | 3.45 | |
| Net Profit YoY | -43.23 | 34.19 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 27.72 | 9.78 | 20.83 | 140.00 | -60.87 | 107.69 | ||||||||||||||
| Revenue YoY | ||||||||||||||||||||
| EBITDA YoY | 44.16 | 57.48 | 49.17 | 112.20 | 42.35 | 101.50 | 141.16 | 58.14 | 104.26 | 28.00 | 103.22 | |||||||||
| Net Profit YoY | 27.24 | 10.77 | 20.81 | 139.34 | -61.87 | -3.71 | 52.63 | 109.06 | 20.04 | 109.51 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 6.31 | 7.25 | 7.21 | 44.35 | 18.63 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.78 | 0.77 | 0.75 | 3.75 | 3.60 |
| 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 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 2.59 | 3.81 | 2.31 | 6.30 | 3.13 | 2.70 | 3.60 | 7.24 | 3.81 | 4.09 | 24.65 | 7.17 | 3.98 | 2.88 | 12.17 | 44.10 | 26.59 | 25.39 | 19.72 | 18.54 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 9.35 | 9.29 | 8.84 | 0.78 | 9.14 | 9.06 | 8.86 | 0.77 | 8.96 | 8.79 | 9.51 | 0.75 | 7.57 | 7.12 | 6.97 | 3.75 | 7.45 | 7.34 | 7.37 | 3.60 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.06 | -0.09 | 0.23 | 0.80 | 0.65 |
| ROE | 0.11 | -0.16 | 0.41 | 3.79 | 2.98 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.81 | 0.65 | 0.61 | 0.18 | 0.15 | 0.06 | 0.06 | 0.15 | 0.14 | 0.44 | 0.30 | 0.14 | 0.68 | 0.58 | 0.28 | |||||
| ROE | 8.35 | 6.66 | 6.03 | 1.80 | 1.50 | 0.62 | 0.57 | 1.47 | 1.50 | 3.74 | 2.41 | 1.14 | 5.77 | 4.83 | 2.36 | |||||
| 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 | 2024-12-31 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | ||||||||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 7,829,438.00 | 8,187,250.00 | 7,634,293.00 | 3,916,900.00 | 3,596,167.00 |
| Deposits | 3,171,035.00 | 3,270,155.00 | 2,722,378.00 | 2,763,216.00 | 2,432,606.00 |
| Cash and Short-Term Investments | 155,706.00 | 178,733.00 | 176,994.00 | 1,083,851.00 | 451,688.00 |
| Cash and Cash Equivalents | 155,706.00 | 178,733.00 | 176,994.00 | 1,083,851.00 | 451,688.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 247,108.00 | 0 | 27,626.00 | 22,682.00 | 36,398.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 29,711.00 | 31,257.00 | 30,592.00 | 36,276.00 | 37,817.00 |
| Goodwill | 93,459.00 | 93,459.00 | 104,609.00 | 101,954.00 | 101,954.00 |
| Intangible Assets | 1,995.00 | 5,874.00 | 9,762.00 | 13,386.00 | 17,478.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 446,116.00 |
| Non-Current Deferred Assets | 26,466.00 | 22,395.00 | 18,289.00 | 9,571.00 | 14,646.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 3,422,585.00 | 3,556,419.00 | 3,273,950.00 | 3,093,138.00 | 2,815,059.00 |
| 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 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 85,998.00 | 85,765.00 | 85,531.00 | 85,297.00 | 105,647.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 4,406,853.00 | 4,630,831.00 | 4,360,343.00 | 823,762.00 | 781,108.00 |
| Shareholders Equity | 351,756.00 | 752,854.00 | 1,157,359.00 | 1,237,867.00 | 1,178,632.00 |
| Capital Stock | 247.00 | 247.00 | 246.00 | 245.00 | 243.00 |
| Share Premium | 314,694.00 | 313,548.00 | 312,722.00 | 311,127.00 | 308,870.00 |
| Retained Earnings | 58,047.00 | 168,818.00 | 107,285.00 | 99,397.00 | 77,956.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -21,232.00 | -21,777.00 | -25,850.00 | 3,336.00 | 10,455.00 |
| Minority Interest | 13,226.00 | 21,432.00 | 0 | 0 | 0 |
| Investments | 38,059.00 | 72,146.00 | 27,005.00 | 36,086.00 | 1,815,380.00 |
| Debt | 230,817.00 | 233,569.00 | 206,691.00 | 206,854.00 | 238,896.00 |
| Net Debt | 75,111.00 | 54,836.00 | 29,697.00 | 0 | 0 |
| Common Shares Outstanding | 24,722.73 | 24,693.17 | 24,680.10 | 24,574.62 | 24,368.61 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Interest Income | 235,000.00 | 418,934.00 | 269,568.00 | 115,598.00 | 121,681.00 |
| Interest Expense | 106,747.00 | 93,907.00 | 21,587.00 | 19,040.00 | 26,139.00 |
| Net Interest | 104,222.00 | 98,711.00 | 104,487.00 | 94,203.00 | 91,640.00 |
| Non-Interest Income | 43,140.00 | 45,250.00 | 21,328.00 | 11,135.00 | 25,451.00 |
| Non-Interest Expense | 125,644.00 | 122,600.00 | 92,268.00 | 71,400.00 | 67,740.00 |
| Selling, General and Administrative Expenses | 42,670.00 | 27,146.00 | 24,182.00 | 19,962.00 | 18,000.00 |
| EBT | -45,938.00 | -10,331.00 | 52,855.00 | 33,594.00 | 27,225.00 |
| Income Tax | 10,188.00 | 3,604.00 | 7,662.00 | 7,441.00 | 5,530.00 |
| Net Income Including Non-Controlling Interests | 13,429.00 | -5,020.00 | 17,741.00 | 31,248.00 | 23,287.00 |
| Net Income Non-Controlling Interests | -8,460.00 | -2,280.00 | 0.00 | 0.00 | 0.00 |
| Net Income | 4,969.00 | -7,300.00 | 17,741.00 | 31,248.00 | 23,287.00 |
| EBIT | 60,809.00 | 83,576.00 | 74,442.00 | 52,634.00 | 53,364.00 |
| Deprecation and Amortization | 8,928.00 | 9,093.00 | 7,433.00 | 8,040.00 | 5,285.00 |
| EBITDA | 69,737.00 | 92,669.00 | 81,875.00 | 60,674.00 | 58,649.00 |
| EPS | -0.00 | 0 | 0 | 0 | 0.00 |
| Diluted EPS | -0.00 | 0 | 0 | 0 | 0.00 |
| Average Shares Outstanding Basic | 24,688.00 | 24,639.00 | 24,561.00 | 24,438.00 | 24,239.00 |
| Average Shares Outstanding Diluted | 24,688.00 | 24,639.00 | 24,669.00 | 24,601.00 | 24,363.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 13,031.00 | 28,818.00 | 13,105.00 | 27,315.00 | 34,337.00 |
| Operating Net Income | -90,200.00 | 0 | 17,741.00 | 31,248.00 | 69,861.00 |
| Deprecation and Amortization | 8,928.00 | 9,093.00 | 7,433.00 | 8,040.00 | 5,285.00 |
| Deferred Income Tax | -4,268.00 | -3,699.00 | -2,214.00 | 6,054.00 | -1,618.00 |
| Share Based Compensation | 940.00 | 712.00 | 395.00 | 747.00 | 1,543.00 |
| Change in Working Capital | 1,184.00 | 39,441.00 | 1,810.00 | -14,512.00 | 10,657.00 |
| Other Operating Activities | 96,447.00 | -16,729.00 | -12,060.00 | -4,262.00 | -51,391.00 |
| Investing Cash Flow | 127,550.00 | -312,756.00 | -617,511.00 | 10,455.00 | -201,773.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 5,121.00 | 1,924.00 | 1,012.00 | 2,456.00 | 1,082.00 |
| Net Purchase/Sale of Investments Net | 80,832.00 | 45,274.00 | 90,436.00 | 218,075.00 | 155,174.00 |
| Net Purchase/Sale of Business | 0 | 0 | 4,554.00 | 0 | 0 |
| Net Loan & Lease Activity | 323,323.00 | 340,802.00 | 615,791.00 | -109,375.00 | 251,000.00 |
| Other Investing Activities | -281,726.00 | -700,756.00 | -1,329,304.00 | -100,701.00 | -609,029.00 |
| Financing Cash Flow | -150,560.00 | 273,872.00 | 142,806.00 | 267,917.00 | 388,304.00 |
| Net Issuance/Repayment of Debt | -30,000.00 | -295,000.00 | 19,254.00 | -6,103.00 | 98,742.00 |
| Net Issuance/Repurchase of Equity | 210.00 | 146.00 | 572.00 | 1,526.00 | 1,283.00 |
| Dividends Paid | 9,891.00 | 9,875.00 | 9,853.00 | 9,807.00 | 9,737.00 |
| Other Financing Activities | -130,661.00 | 558,851.00 | 113,127.00 | 262,687.00 | 278,542.00 |
| Net Change in Cash | -9,979.00 | 2,045.00 | -454,549.00 | 298,181.00 | 220,868.00 |
| Cash at Beginning of Period | 74,484.00 | 75,508.00 | 532,408.00 | 231,986.00 | -24,683.00 |
| Cash at End of Period | 64,505.00 | 77,553.00 | 77,859.00 | 530,167.00 | 196,185.00 |
| 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 | 3,954,849.00 | 3,871,726.00 | 3,697,310.00 | 7,829,438.00 | 4,024,347.00 | 3,966,018.00 | 3,889,979.00 | 8,187,250.00 | 3,813,775.00 | 3,848,493.00 | 4,205,406.00 | 7,634,293.00 | 3,357,162.00 | 3,236,578.00 | 3,219,876.00 | 3,916,900.00 | 3,452,417.00 | 3,395,151.00 | 3,330,470.00 | 3,596,167.00 |
| Deposits | 3,336,352.00 | 3,342,673.00 | 3,168,872.00 | 3,171,035.00 | 3,306,431.00 | 3,335,463.00 | 3,314,923.00 | 3,270,155.00 | 3,293,404.00 | 3,316,996.00 | 3,667,997.00 | 2,722,378.00 | 2,708,320.00 | 2,682,805.00 | 2,686,244.00 | 2,763,216.00 | 2,807,067.00 | 2,751,064.00 | 2,688,586.00 | 2,432,606.00 |
| Cash and Short-Term Investments | 63,881.00 | 94,074.00 | 57,044.00 | 155,706.00 | 77,274.00 | 66,580.00 | 88,717.00 | 178,733.00 | 93,865.00 | 100,868.00 | 607,125.00 | 176,994.00 | 97,738.00 | 70,721.00 | 298,230.00 | 1,083,851.00 | 650,746.00 | 620,839.00 | 480,280.00 | 451,688.00 |
| Cash and Cash Equivalents | 63,881.00 | 94,074.00 | 57,044.00 | 155,706.00 | 77,274.00 | 66,580.00 | 88,717.00 | 178,733.00 | 93,865.00 | 100,868.00 | 607,125.00 | 176,994.00 | 97,738.00 | 70,721.00 | 298,230.00 | 1,083,851.00 | 650,746.00 | 620,839.00 | 480,280.00 | 451,688.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 202,372.00 | 126,869.00 | 74,439.00 | 247,108.00 | 458,722.00 | 0 | 0 | 0 | 66,266.00 | 57,704.00 | 42,011.00 | 27,626.00 | 13,388.00 | 16,096.00 | 0 | 22,682.00 | 26,243.00 | 29,209.00 | 30,204.00 | 36,398.00 |
| 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 | 28,807.00 | 29,569.00 | 29,562.00 | 29,711.00 | 30,133.00 | 30,239.00 | 30,618.00 | 31,257.00 | 36,278.00 | 36,005.00 | 34,488.00 | 30,592.00 | 31,045.00 | 30,890.00 | 35,177.00 | 36,276.00 | 37,017.00 | 36,485.00 | 37,023.00 | 37,817.00 |
| Goodwill | 93,459.00 | 93,459.00 | 93,459.00 | 93,459.00 | 93,459.00 | 93,459.00 | 93,459.00 | 93,459.00 | 93,459.00 | 104,609.00 | 104,609.00 | 104,609.00 | 104,609.00 | 104,744.00 | 101,954.00 | 101,954.00 | 101,954.00 | 101,954.00 | 101,954.00 | 101,954.00 |
| Intangible Assets | 43.00 | 49.00 | 345.00 | 1,995.00 | 985.00 | 1,309.00 | 1,633.00 | 5,874.00 | 2,282.00 | 2,606.00 | 2,930.00 | 9,762.00 | 3,561.00 | 3,780.00 | 4,121.00 | 13,386.00 | 4,803.00 | 5,144.00 | 5,485.00 | 17,478.00 |
| Long-Term Investments | 6,880.00 | 6,586.00 | 21,227.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 446,116.00 |
| Non-Current Deferred Assets | 17,328.00 | 19,466.00 | 21,399.00 | 26,466.00 | 25,582.00 | 25,232.00 | 24,513.00 | 22,395.00 | 22,456.00 | 20,391.00 | 18,825.00 | 18,289.00 | 17,892.00 | 14,658.00 | 12,380.00 | 9,571.00 | 13,571.00 | 14,442.00 | 14,702.00 | 14,646.00 |
| 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 | 3,572,696.00 | 3,495,311.00 | 3,321,747.00 | 3,422,585.00 | 3,627,284.00 | 3,571,807.00 | 3,495,380.00 | 3,556,419.00 | 3,430,909.00 | 3,455,277.00 | 3,805,141.00 | 3,273,950.00 | 2,965,354.00 | 2,837,941.00 | 2,815,681.00 | 3,093,138.00 | 3,043,788.00 | 2,988,211.00 | 2,932,484.00 | 2,815,059.00 |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 86,174.00 | 86,116.00 | 86,057.00 | 85,998.00 | 85,941.00 | 85,882.00 | 85,823.00 | 85,765.00 | 85,706.00 | 85,647.00 | 85,588.00 | 85,531.00 | 85,472.00 | 85,413.00 | 85,356.00 | 85,297.00 | 85,723.00 | 85,698.00 | 85,673.00 | 105,647.00 |
| 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 | 382,153.00 | 376,415.00 | 375,563.00 | 4,406,853.00 | 397,063.00 | 394,211.00 | 394,599.00 | 4,630,831.00 | 382,866.00 | 393,216.00 | 400,265.00 | 4,360,343.00 | 391,808.00 | 398,637.00 | 404,195.00 | 823,762.00 | 408,629.00 | 406,940.00 | 397,986.00 | 781,108.00 |
| Shareholders Equity | 382,153.00 | 376,415.00 | 375,563.00 | 351,756.00 | 381,022.00 | 376,047.00 | 374,577.00 | 752,854.00 | 382,866.00 | 760,351.00 | 777,055.00 | 1,157,359.00 | 756,156.00 | 779,348.00 | 798,935.00 | 1,237,867.00 | 820,417.00 | 817,121.00 | 798,235.00 | 1,178,632.00 |
| Capital Stock | 247.00 | 247.00 | 247.00 | 247.00 | 247.00 | 247.00 | 247.00 | 247.00 | 246.00 | 246.00 | 246.00 | 246.00 | 246.00 | 246.00 | 245.00 | 245.00 | 245.00 | 245.00 | 244.00 | 243.00 |
| Share Premium | 314,770.00 | 314,743.00 | 314,725.00 | 314,694.00 | 314,066.00 | 313,852.00 | 313,812.00 | 313,548.00 | 313,052.00 | 312,976.00 | 312,903.00 | 312,722.00 | 312,356.00 | 312,240.00 | 311,872.00 | 311,127.00 | 311,021.00 | 310,735.00 | 310,582.00 | 308,870.00 |
| Retained Earnings | 82,541.00 | 78,175.00 | 78,211.00 | 58,047.00 | 83,854.00 | 85,099.00 | 84,133.00 | 168,818.00 | 100,039.00 | 106,075.00 | 110,591.00 | 107,285.00 | 106,666.00 | 104,077.00 | 101,533.00 | 99,397.00 | 94,204.00 | 92,719.00 | 84,897.00 | 77,956.00 |
| Treasury Shares | 807.00 | 807.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -14,598.00 | -15,943.00 | -17,620.00 | -21,232.00 | -17,145.00 | -23,151.00 | -23,615.00 | -21,777.00 | -30,471.00 | -26,081.00 | -23,475.00 | -25,850.00 | -27,460.00 | -17,926.00 | -9,455.00 | 3,336.00 | 3,159.00 | 3,241.00 | 2,263.00 | 10,455.00 |
| Minority Interest | 0 | 0 | 0 | 13,226.00 | 16,041.00 | 18,164.00 | 20,022.00 | 21,432.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 18,465.00 | 18,226.00 | 36,589.00 | 38,059.00 | 50,520.00 | 65,730.00 | 69,690.00 | 72,146.00 | 28,494.00 | 28,718.00 | 27,571.00 | 27,005.00 | 26,619.00 | 14,978.00 | 33,658.00 | 36,086.00 | 1,781,368.00 | 1,790,816.00 | 1,504,228.00 | 1,815,380.00 |
| Debt | 132,176.00 | 133,964.00 | 134,617.00 | 230,817.00 | 125,007.00 | 138,594.00 | 138,617.00 | 233,569.00 | 105,824.00 | 117,299.00 | 115,481.00 | 206,691.00 | 111,585.00 | 110,769.00 | 111,296.00 | 206,854.00 | 102,442.00 | 102,418.00 | 102,996.00 | 238,896.00 |
| Net Debt | 68,295.00 | 39,890.00 | 77,573.00 | 75,111.00 | 47,733.00 | 72,014.00 | 49,900.00 | 54,836.00 | 11,959.00 | 16,431.00 | 0 | 29,697.00 | 13,847.00 | 40,048.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 24,644.38 | 24,643.19 | 24,722.73 | 24,722.73 | 24,722.73 | 24,708.23 | 24,696.67 | 24,693.17 | 24,686.76 | 24,690.06 | 0 | 24,680.10 | 24,650.24 | 24,650.24 | 24,622.74 | 24,574.62 | 24,574.62 | 24,537.27 | 24,532.79 | 24,368.61 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 149,966.00 | 97,185.00 | 48,576.00 | -395,483.00 | 322,068.00 | 206,827.00 | 101,588.00 | -203,638.00 | 313,062.00 | 210,968.00 | 98,542.00 | 98,032.00 | 88,848.00 | 55,697.00 | 26,991.00 | -58,605.00 | 85,962.00 | 57,624.00 | 30,617.00 |
| Interest Expense | 66,540.00 | 43,806.00 | 21,359.00 | -52,262.00 | 81,511.00 | 52,422.00 | 25,076.00 | -38,745.00 | 68,632.00 | 45,271.00 | 18,749.00 | -2,056.00 | 12,529.00 | 7,383.00 | 3,731.00 | -11,275.00 | 14,778.00 | 10,184.00 | 5,353.00 |
| Net Interest | 80,576.00 | 51,544.00 | 26,364.00 | -49,314.00 | 78,145.00 | 50,122.00 | 25,269.00 | -120,345.00 | 81,647.00 | 108,999.00 | 28,410.00 | -40,737.00 | 74,910.00 | 47,460.00 | 22,854.00 | -47,469.00 | 69,962.00 | 46,755.00 | 24,955.00 |
| Non-Interest Income | 62,334.00 | 50,365.00 | 32,335.00 | -18,766.00 | 30,441.00 | 21,158.00 | 10,307.00 | -16,260.00 | 29,960.00 | 20,018.00 | 11,532.00 | 4,178.00 | 10,340.00 | 4,720.00 | 2,090.00 | -8,796.00 | 7,803.00 | 8,311.00 | 3,817.00 |
| Non-Interest Expense | 96,771.00 | 64,458.00 | 32,516.00 | -47,496.00 | 88,279.00 | 57,323.00 | 27,538.00 | -115,746.00 | 95,030.00 | 115,919.00 | 27,397.00 | -29,314.00 | 63,178.00 | 39,417.00 | 18,987.00 | -34,808.00 | 52,463.00 | 35,569.00 | 18,176.00 |
| Selling, General and Administrative Expenses | 32,312.00 | 22,155.00 | 10,729.00 | -1,110.00 | 22,691.00 | 14,567.00 | 6,522.00 | -13,058.00 | 20,217.00 | 13,634.00 | 6,353.00 | -6,308.00 | 15,300.00 | 9,954.00 | 5,236.00 | -9,264.00 | 14,657.00 | 9,747.00 | 4,822.00 |
| EBT | 36,289.00 | 27,552.00 | 24,587.00 | -54,967.00 | 3,169.00 | 4,330.00 | 1,530.00 | -30,226.00 | 5,441.00 | 7,096.00 | 7,358.00 | 16,094.00 | 18,661.00 | 12,242.00 | 5,858.00 | -33,262.00 | 29,804.00 | 25,084.00 | 11,968.00 |
| Income Tax | 7,988.00 | 6,081.00 | 5,553.00 | 5,808.00 | 1,679.00 | 1,983.00 | 718.00 | -3,654.00 | 3,243.00 | 2,432.00 | 1,583.00 | -248.00 | 4,005.00 | 2,640.00 | 1,265.00 | -7,008.00 | 6,438.00 | 5,426.00 | 2,585.00 |
| Net Income Including Non-Controlling Interests | 35,505.00 | 28,675.00 | 26,238.00 | -12,918.00 | 12,770.00 | 9,457.00 | 4,120.00 | -12,993.00 | -3,567.00 | 5,765.00 | 5,775.00 | -11,110.00 | 14,656.00 | 9,602.00 | 4,593.00 | -21,390.00 | 23,597.00 | 19,658.00 | 9,383.00 |
| Net Income Non-Controlling Interests | -3,602.00 | -3,602.00 | -3,602.00 | 2,389.00 | -5,640.00 | -3,555.00 | -1,654.00 | -8,257.00 | 5,765.00 | 0.00 | 212.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income | 31,903.00 | 25,073.00 | 22,636.00 | -10,529.00 | 7,130.00 | 5,902.00 | 2,466.00 | -21,250.00 | 2,198.00 | 5,765.00 | 5,987.00 | -11,110.00 | 14,656.00 | 9,602.00 | 4,593.00 | -21,390.00 | 23,597.00 | 19,658.00 | 9,383.00 |
| EBIT | 102,829.00 | 71,358.00 | 45,946.00 | -107,229.00 | 84,680.00 | 56,752.00 | 26,606.00 | -68,971.00 | 74,073.00 | 52,367.00 | 26,107.00 | 14,038.00 | 31,190.00 | 19,625.00 | 9,589.00 | -44,537.00 | 44,582.00 | 35,268.00 | 17,321.00 |
| Deprecation and Amortization | 6,535.00 | 4,506.00 | 2,228.00 | -4,588.00 | 6,723.00 | 4,523.00 | 2,270.00 | -4,535.00 | 6,943.00 | 4,547.00 | 2,138.00 | -2,326.00 | 4,941.00 | 3,222.00 | 1,596.00 | -421.00 | 4,194.00 | 2,837.00 | 1,430.00 |
| EBITDA | 109,364.00 | 75,864.00 | 48,174.00 | -111,817.00 | 91,403.00 | 61,275.00 | 28,876.00 | -73,506.00 | 81,016.00 | 56,914.00 | 28,245.00 | 11,712.00 | 36,131.00 | 22,847.00 | 11,185.00 | -44,958.00 | 48,776.00 | 38,105.00 | 18,751.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0 | 0.00 | 0 | 0 | 0 | -0.00 | 0 | 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 | 0.00 | 0 | 0 | 0 | 0.00 | 0 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 24,680.00 | 24,704.00 | 24,707.00 | 24,699.00 | 24,696.00 | 24,683.00 | 24,674.00 | 24,649.00 | 24,642.00 | 24,639.00 | 24,626.00 | 24,600.00 | 24,577.00 | 24,563.00 | 24,504.00 | 24,477.00 | 24,474.00 | 24,451.00 | 24,350.00 |
| Average Shares Outstanding Diluted | 24,693.00 | 24,718.00 | 24,723.00 | 24,617.00 | 24,720.00 | 24,708.00 | 24,707.00 | 24,544.00 | 24,642.00 | 24,685.00 | 24,685.00 | 24,644.00 | 24,688.00 | 24,681.00 | 24,663.00 | 24,644.00 | 24,634.00 | 24,617.00 | 24,509.00 |
| 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 | -17,968.00 | -6,587.00 | 34,393.00 | -89,610.00 | 54,032.00 | 49,574.00 | -965.00 | 116,271.00 | -41,785.00 | -34,513.00 | -11,155.00 | -25,613.00 | 23,149.00 | 12,526.00 | 3,043.00 | -16,429.00 | 22,417.00 | 12,762.00 | 8,565.00 |
| Operating Net Income | 84,903.00 | 64,413.00 | 57,102.00 | -104,147.00 | 4,470.00 | 7,041.00 | 2,436.00 | 0 | 2,198.00 | 11,709.00 | 5,775.00 | -11,110.00 | 14,656.00 | 9,602.00 | 4,593.00 | -21,390.00 | 23,597.00 | 19,658.00 | 9,383.00 |
| Deprecation and Amortization | 6,535.00 | 4,506.00 | 2,228.00 | -4,588.00 | 6,723.00 | 4,523.00 | 2,270.00 | -4,535.00 | 6,943.00 | 4,547.00 | 2,138.00 | -2,326.00 | 4,941.00 | 3,222.00 | 1,596.00 | -421.00 | 4,194.00 | 2,837.00 | 1,430.00 |
| Deferred Income Tax | 0 | 0 | 0 | -4,268.00 | 0 | 0 | 0 | -3,699.00 | 0 | 0 | 0 | -2,214.00 | 0 | 0 | 0 | 6,054.00 | 0 | 0 | 0 |
| Share Based Compensation | 61.00 | 49.00 | 31.00 | 130.00 | 312.00 | 271.00 | 227.00 | 166.00 | 257.00 | 181.00 | 108.00 | -2,158.00 | 959.00 | 843.00 | 751.00 | -933.00 | 641.00 | 557.00 | 482.00 |
| Change in Working Capital | -4,424.00 | -744.00 | 4,724.00 | 17,455.00 | -15,499.00 | 7,935.00 | -8,707.00 | -29,778.00 | 46,272.00 | 15,215.00 | 7,732.00 | 8,056.00 | -452.00 | -1,128.00 | -4,666.00 | -636.00 | -6,883.00 | -2,670.00 | -4,323.00 |
| Other Operating Activities | -105,043.00 | -74,811.00 | -29,692.00 | 5,808.00 | 58,026.00 | 29,804.00 | 2,809.00 | 173,799.00 | -97,455.00 | -66,165.00 | -26,908.00 | -15,861.00 | 3,045.00 | -13.00 | 769.00 | 897.00 | 868.00 | -7,620.00 | 1,593.00 |
| Investing Cash Flow | -213,469.00 | -119,889.00 | -27,307.00 | 542,385.00 | -216,358.00 | -172,134.00 | -26,343.00 | 145,950.00 | -178,295.00 | -204,708.00 | -75,703.00 | 131,253.00 | -399,236.00 | -292,714.00 | -56,814.00 | -236,726.00 | 86,237.00 | 120,563.00 | 40,381.00 |
| 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 | 0 | 0 | 748.00 | 79.00 | 3,319.00 | 1,723.00 | 0 | 58.00 | 0 | 1,405.00 | 461.00 | -277.00 | 706.00 | 536.00 | 47.00 | -1,008.00 | 2,133.00 | 948.00 | 383.00 |
| Net Purchase/Sale of Investments Net | 47,386.00 | 37,725.00 | 16,182.00 | -25,477.00 | 61,413.00 | 30,892.00 | 14,004.00 | -21,718.00 | 35,501.00 | 23,497.00 | 7,994.00 | -68,973.00 | 68,795.00 | 52,557.00 | 38,057.00 | -59,412.00 | 130,822.00 | 100,900.00 | 45,765.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4,554.00 | 4,554.00 | 4,554.00 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 323,323.00 | 340,802.00 | 615,791.00 | -109,375.00 | 251,000.00 | ||||||||||||||
| Other Investing Activities | -559,927.00 | -331,413.00 | -122,493.00 | 644,606.00 | -490,763.00 | -371,564.00 | -64,005.00 | 362,768.00 | -420,510.00 | -461,015.00 | -181,999.00 | 327,251.00 | -870,274.00 | -638,115.00 | -148,166.00 | -398,463.00 | 79,118.00 | 174,733.00 | 43,911.00 |
| Financing Cash Flow | 230,813.00 | 156,045.00 | -14,547.00 | -462,666.00 | 162,047.00 | 111,587.00 | 38,472.00 | -840,568.00 | 236,086.00 | 262,230.00 | 616,124.00 | 556,572.00 | -56,342.00 | -179,258.00 | -178,166.00 | -604,468.00 | 345,907.00 | 291,329.00 | 235,149.00 |
| Net Issuance/Repayment of Debt | 0 | 0 | 0 | -25,000.00 | 0 | 0 | -5,000.00 | -620,000.00 | -325,000.00 | 325,000.00 | 325,000.00 | -19,254.00 | 19,254.00 | 19,254.00 | 0 | 19,778.00 | 17,283.00 | -23,544.00 | -19,620.00 |
| Net Issuance/Repurchase of Equity | 822.00 | 807.00 | 0 | -74.00 | 210.00 | 37.00 | 37.00 | -109.00 | 85.00 | 85.00 | 85.00 | 14.00 | 279.00 | 279.00 | 0 | -2,562.00 | 1,526.00 | 1,324.00 | 1,238.00 |
| Dividends Paid | 7,409.00 | 4,945.00 | 2,472.00 | -4,950.00 | 7,419.00 | 4,946.00 | 2,476.00 | -4,937.00 | 7,406.00 | 4,937.00 | 2,469.00 | -4,913.00 | 7,387.00 | 4,922.00 | 2,457.00 | -4,879.00 | 7,349.00 | 4,895.00 | 2,442.00 |
| Other Financing Activities | 222,582.00 | 150,293.00 | -17,019.00 | -432,642.00 | 154,418.00 | 106,604.00 | 40,959.00 | -215,522.00 | 553,595.00 | -67,792.00 | 288,570.00 | 580,725.00 | -83,262.00 | -203,713.00 | -180,623.00 | -616,805.00 | 319,749.00 | 308,654.00 | 251,089.00 |
| Net Change in Cash | -624.00 | 29,569.00 | -7,461.00 | -9,891.00 | -279.00 | -10,973.00 | 11,164.00 | -566,236.00 | 16,006.00 | 23,009.00 | 529,266.00 | 669,263.00 | -432,429.00 | -459,446.00 | -231,937.00 | -865,129.00 | 454,561.00 | 424,654.00 | 284,095.00 |
| Cash at Beginning of Period | 64,505.00 | 64,505.00 | 64,505.00 | 74,396.00 | 77,553.00 | 77,553.00 | 77,553.00 | 643,789.00 | 77,859.00 | 77,859.00 | 77,859.00 | -591,404.00 | 530,167.00 | 530,167.00 | 530,167.00 | 1,395,296.00 | 196,185.00 | 196,185.00 | 196,185.00 |
| Cash at End of Period | 63,881.00 | 94,074.00 | 57,044.00 | 64,505.00 | 77,274.00 | 66,580.00 | 88,717.00 | 77,553.00 | 93,865.00 | 100,868.00 | 607,125.00 | 77,859.00 | 97,738.00 | 70,721.00 | 298,230.00 | 530,167.00 | 650,746.00 | 620,839.00 | 480,280.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |