FSUN
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 14.51 | 8.19 | 14.29 | |
| Price to Sales | 2.32 | 2.63 | ||
| Book Value Per Common Share | 37.58 | 35.14 | 31.08 | 21.04 |
| Price to Book | 1.07 | 0.97 | 1.17 | |
| Price to Operating Cash Flow | 10.87 | 6.77 | 8.74 | |
| Price to Free Cash Flow | 11.48 | 7.01 | 8.95 | |
| Enterprise Value to EBITDA | 18621.03 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 |
|---|---|---|---|---|---|---|
| Price to Earnings | 46.73 | 36.58 | 42.53 | 52.59 | 77.72 | |
| Price to Sales | 10.05 | 9.15 | 11.97 | |||
| Book Value Per Common Share | 40.48 | 39.35 | 38.49 | 37.58 | 37.38 | 35.15 |
| Price to Book | 0.96 | 0.88 | 0.94 | 1.07 | 1.14 | 1.02 |
| Price to Operating Cash Flow | 21.84 | 64.33 | 38.03 | 24.44 | 35.66 | |
| Price to Free Cash Flow | 22.65 | 74.17 | 41.17 | 24.99 | 37.04 | |
| Enterprise Value to EBITDA | 145125.07 | 171702.12 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | -33.49 | 62.75 | 46.97 | |
| Revenue YoY | 13.08 | 18.12 | ||
| EBITDA YoY | ||||
| Net Profit YoY | -26.95 | 74.94 | 37.11 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 |
|---|---|---|---|---|---|---|
| Earning YoY | -12.63 | 11.76 | 849900.00 | -10.00 | ||
| Revenue YoY | 1.62 | |||||
| EBITDA YoY | -87.17 | |||||
| Net Profit YoY | -12.17 | 11.95 | -42.39 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | 22.45 | |||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 6.78 | 7.98 | 8.59 | 9.81 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 |
|---|---|---|---|---|---|---|
| Cash Per Common Share | 22.41 | 22.23 | 14.20 | |||
| Quick Ratio | ||||||
| Current Ratio | ||||||
| Debt to Equity | 6.53 | 6.70 | 6.69 | 6.78 | 6.87 | 7.07 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 0.93 | 1.31 | 0.80 | 0.76 |
| ROE | 7.26 | 11.80 | 7.64 | 8.24 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 28.37 | 18.34 | 15.80 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 |
|---|---|---|---|---|---|---|
| ROA | 0.27 | 0.31 | 0.29 | 0.28 | 0.16 | |
| ROE | 2.06 | 2.41 | 2.21 | 2.17 | 1.27 | |
| Gross Margin | ||||||
| Operating Margin | ||||||
| EBITDA Margin | ||||||
| Net Profit Margin | 21.60 | 24.99 | 22.83 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | ||||
| Dividend Payout Ratio |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 |
|---|---|---|---|---|---|---|
| Dividend Yield | ||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 8,097,387.00 | 7,879,724.00 | 7,430,322.00 | 5,666,814.00 |
| Deposits | 6,672,260.00 | 0 | 0 | 0 |
| Cash and Short-Term Investments | 615,917.00 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 615,917.00 | 479,362.00 | 343,526.00 | 668,462.00 |
| Short-Term Investments | 0 | 516,757.00 | 536,973.00 | 572,501.00 |
| Net Receivables | 93,927.00 | 40,739.00 | 29,644.00 | 15,374.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 104,959.00 | 109,069.00 | 116,518.00 | 53,147.00 |
| Goodwill | 93,483.00 | 93,483.00 | 93,483.00 | 33,050.00 |
| Intangible Assets | 7,434.00 | 87,848.00 | 90,139.00 | 56,905.00 |
| Long-Term Investments | 0 | 558,110.00 | 578,231.00 | 592,036.00 |
| Non-Current Deferred Assets | 41,195.00 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 7,056,021.00 | 7,002,527.00 | 6,655,786.00 | 5,142,776.00 |
| Payables and Expenses | 0 | 29,767.00 | 22,568.00 | 16,666.00 |
| Account Payables | 0 | 13,580.00 | 5,798.00 | 2,369.00 |
| Current Accrued Liabilities | 0 | 14,927.00 | 15,884.00 | 13,678.00 |
| Short-Term Debt | 0 | 389,468.00 | 643,885.00 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 101,744.00 | 111,502.00 | 69,916.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 1,041,366.00 | 877,197.00 | 774,536.00 | 524,038.00 |
| Shareholders Equity | 1,041,366.00 | 877,197.00 | 774,536.00 | 524,038.00 |
| Capital Stock | 3.00 | 2.00 | 2.00 | 2.00 |
| Share Premium | 547,325.00 | 462,680.00 | 460,720.00 | 261,905.00 |
| Retained Earnings | 533,150.00 | 457,522.00 | 357,797.00 | 298,615.00 |
| Treasury Shares | 0 | 0 | 0 | 38,148.00 |
| Accumulated Other Comprehensive Income | -39,112.00 | -43,007.00 | -43,983.00 | 1,664.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Investments | 259,492.00 | 0 | 0 | 0 |
| Debt | 75,841.00 | 491,212.00 | 755,387.00 | 69,916.00 |
| Net Debt | 0 | 0 | 380,594.00 | 0 |
| Common Shares Outstanding | 27,709.68 | 24,960.64 | 24,920.98 | 24,906.03 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 0 | 364,955.00 | 322,733.00 | 273,234.00 |
| Cost Of Revenue | 55,100.00 | 0 | 0 | 0 |
| Interest Income | 938,948.00 | 413,684.00 | 266,817.00 | 169,354.00 |
| Interest Expense | 325,260.00 | 120,253.00 | 25,185.00 | 14,121.00 |
| Net Interest | 296,910.00 | 0 | 0 | 0 |
| Non-Interest Income | 89,792.00 | 0 | 0 | 0 |
| Non-Interest Expense | -540,951.00 | 210,403.00 | 207,695.00 | 213,890.00 |
| Provisions for Credit Losses | -55,100.00 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 72,804.00 | 142,463.00 | 142,001.00 | 158,587.00 |
| EBT | 262,717.00 | 131,483.00 | 74,022.00 | 51,842.00 |
| Income Tax | 16,349.00 | 27,950.00 | 14,840.00 | 8,678.00 |
| Net Income Including Non-Controlling Interests | 0 | 103,533.00 | 59,182.00 | 43,164.00 |
| Net Income | 75,628.00 | 103,533.00 | 59,182.00 | 43,164.00 |
| EBIT | 587,977.00 | 0 | 0 | 0 |
| Deprecation and Amortization | 7,972.00 | 12,242.00 | 12,168.00 | 8,598.00 |
| EBITDA | 595,949.00 | 0 | 0 | 0 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 27,433.87 | 24,938.36 | 23,245.60 | 24,877.72 |
| Average Shares Outstanding Diluted | 28,067.27 | 25,387.20 | 23,838.47 | 24,877.72 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 101,120.00 | 125,176.00 | 96,915.00 | 113,109.00 |
| Operating Net Income | 75,628.00 | 103,533.00 | 59,182.00 | 43,164.00 |
| Deprecation and Amortization | 7,972.00 | 12,242.00 | 12,168.00 | 8,598.00 |
| Deferred Income Tax | 3,347.00 | 3,012.00 | 9,203.00 | 3,145.00 |
| Share Based Compensation | 2,375.00 | 2,127.00 | 1,448.00 | 2,998.00 |
| Change in Working Capital | -15,964.00 | -7,707.00 | -26,816.00 | -21,983.00 |
| Other Operating Activities | 27,762.00 | 11,969.00 | 41,730.00 | 77,187.00 |
| Investing Cash Flow | -80,871.00 | -327,279.00 | -538,120.00 | -293,924.00 |
| Capital Expenditure | -5,412.00 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -5,412.00 | -4,268.00 | -2,194.00 | -3,450.00 |
| Net Purchase/Sale of Investments Net | 53,281.00 | 20,112.00 | 106,901.00 | -103,169.00 |
| Net Purchase/Sale of Business | 0 | 0 | 444,542.00 | 0 |
| Other Investing Activities | -123,328.00 | -343,123.00 | -1,087,369.00 | -187,305.00 |
| Financing Cash Flow | 116,306.00 | 337,939.00 | 116,269.00 | 647,299.00 |
| Net Issuance/Repayment of Debt | -264,462.00 | -259,873.00 | 453,134.00 | -30,411.00 |
| Net Issuance/Repurchase of Equity | 82,271.00 | -167.00 | -579.00 | -456.00 |
| Dividends Paid | 0 | 0 | 0 | 0 |
| Other Financing Activities | 298,497.00 | 597,979.00 | -336,286.00 | 678,166.00 |
| Net Change in Cash | 136,555.00 | 135,836.00 | -324,936.00 | 466,484.00 |
| Cash at Beginning of Period | 479,362.00 | 343,526.00 | 668,462.00 | 201,978.00 |
| Cash at End of Period | 615,917.00 | 479,362.00 | 343,526.00 | 668,462.00 |
| Free Cash Flow | 95,708.00 | 120,908.00 | 94,719.00 | 109,654.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 |
|---|---|---|---|---|---|---|
| Assets | 8,495,437.00 | 8,435,861.00 | 8,216,458.00 | 8,097,387.00 | 8,138,487.00 | 7,781,601.00 |
| Deposits | 0 | 0 | 6,874,239.00 | 6,672,260.00 | 0 | 6,445,388.00 |
| Cash and Short-Term Investments | 0 | 0 | 621,377.00 | 615,917.00 | 0 | 383,605.00 |
| Cash and Cash Equivalents | 659,899.00 | 785,115.00 | 621,377.00 | 615,917.00 | 573,674.00 | 383,605.00 |
| Short-Term Investments | 303.00 | 338.00 | 0 | 0 | 496,811.00 | 0 |
| Net Receivables | 34,796.00 | 33,904.00 | 99,271.00 | 93,927.00 | 35,711.00 | 92,681.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 81,886.00 | 82,248.00 | 105,624.00 | 104,959.00 | 82,532.00 | 108,692.00 |
| Goodwill | 93,483.00 | 93,483.00 | 93,483.00 | 93,483.00 | 93,483.00 | 93,483.00 |
| Intangible Assets | 91,345.00 | 90,964.00 | 6,806.00 | 7,434.00 | 87,665.00 | 10,168.00 |
| Long-Term Investments | 510,361.00 | 508,049.00 | 0 | 0 | 532,696.00 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 40,158.00 | 41,195.00 | 0 | 47,792.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 7,367,924.00 | 7,340,459.00 | 7,148,163.00 | 7,056,021.00 | 7,104,402.00 | 6,816,939.00 |
| Payables and Expenses | 8,061.00 | 7,247.00 | 0 | 0 | 9,018.00 | 0 |
| Account Payables | 8,061.00 | 7,247.00 | 0 | 0 | 9,018.00 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 76,163.00 | 76,066.00 | 0 | 0 | 75,709.00 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 1,127,513.00 | 1,095,402.00 | 1,068,295.00 | 1,041,366.00 | 1,034,085.00 | 964,662.00 |
| Shareholders Equity | 1,127,513.00 | 1,095,402.00 | 1,068,295.00 | 1,041,366.00 | 1,034,085.00 | 964,662.00 |
| Capital Stock | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 |
| Share Premium | 548,952.00 | 547,950.00 | 547,484.00 | 547,325.00 | 547,271.00 | 542,582.00 |
| Retained Earnings | 606,279.00 | 583,105.00 | 556,719.00 | 533,150.00 | 516,800.00 | 469,818.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -27,721.00 | -35,656.00 | -35,911.00 | -39,112.00 | -29,989.00 | -47,741.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 270,672.00 | 259,492.00 | 0 | 288,353.00 |
| Debt | 76,163.00 | 76,066.00 | 75,969.00 | 75,841.00 | 75,709.00 | 75,445.00 |
| Common Shares Outstanding | 27,854.76 | 27,834.53 | 27,753.92 | 27,709.68 | 27,665.92 | 27,442.94 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|
| Revenues | 107,286.00 | 105,572.00 | 0 | 0 | 98,233.00 | 0 | 0 |
| Cost Of Revenue | 0 | 0 | 3,800.00 | 38,600.00 | 0 | 0 | 16,500.00 |
| Interest Income | 121,128.00 | 116,921.00 | 115,844.00 | 706,691.00 | 118,932.00 | 0 | 113,325.00 |
| Interest Expense | 40,175.00 | 38,422.00 | 35,969.00 | 243,252.00 | 42,774.00 | 0 | 39,234.00 |
| Net Interest | 0 | 0 | 74,478.00 | 226,104.00 | 0 | 0 | 70,806.00 |
| Non-Interest Income | 0 | 0 | 21,729.00 | 66,984.00 | 0 | 0 | 22,808.00 |
| Non-Interest Expense | 68,323.00 | 67,532.00 | -62,722.00 | -541,503.00 | 62,380.00 | 0 | -61,828.00 |
| Provisions for Credit Losses | 0 | 0 | -3,800.00 | -38,600.00 | 0 | 0 | -16,500.00 |
| Selling, General and Administrative Expenses | 44,822.00 | 43,921.00 | 9,536.00 | 24,903.00 | 39,306.00 | 0 | 8,595.00 |
| EBT | 28,285.00 | 32,962.00 | 29,685.00 | 218,862.00 | 28,569.00 | 0 | 15,286.00 |
| Income Tax | 5,111.00 | 6,576.00 | 6,116.00 | 7,212.00 | 6,147.00 | 0 | 2,990.00 |
| Net Income Including Non-Controlling Interests | 23,174.00 | 26,386.00 | 0 | 0 | 22,422.00 | 0 | 0 |
| Net Income | 23,174.00 | 26,386.00 | 23,569.00 | 40,910.00 | 22,422.00 | 0 | 12,296.00 |
| EBIT | 0 | 0 | 65,654.00 | 533,457.00 | 0 | 0 | 54,520.00 |
| Deprecation and Amortization | 2,645.00 | 2,646.00 | 3,476.00 | 2,864.00 | 2,491.00 | 0 | 2,617.00 |
| EBITDA | 0 | 0 | 69,130.00 | 538,812.00 | 0 | 0 | 57,137.00 |
| EPS | 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 |
| Average Shares Outstanding Basic | 27,801.26 | 27,783.71 | 27,721.76 | 27,672.54 | 27,612.54 | 27,430.76 | 27,019.62 |
| Average Shares Outstanding Diluted | 28,291.78 | 28,232.32 | 28,293.91 | 28,395.39 | 28,212.81 | 28,031.96 | 27,628.94 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 49,372.00 | 15,008.00 | 26,353.00 | 48,136.00 | 27,091.00 |
| Operating Net Income | 23,174.00 | 26,386.00 | 23,569.00 | 22,422.00 | 12,296.00 |
| Deprecation and Amortization | 2,645.00 | 2,646.00 | 3,476.00 | 2,491.00 | 2,617.00 |
| Deferred Income Tax | 1,941.00 | 0 | 0 | 29.00 | 0 |
| Share Based Compensation | 1,243.00 | 1,056.00 | 636.00 | 549.00 | 492.00 |
| Change in Working Capital | 4,539.00 | 2,986.00 | 1,552.00 | 22,085.00 | -538.00 |
| Other Operating Activities | 15,830.00 | 0 | -2,880.00 | 560.00 | 12,224.00 |
| Investing Cash Flow | -178,258.00 | -44,280.00 | -116,239.00 | -104,528.00 | -24,766.00 |
| Capital Expenditure | 0 | 0 | -2,010.00 | 0 | -1,012.00 |
| Net Purchase/Sale of PPE | -1,752.00 | -1,991.00 | -2,010.00 | -1,067.00 | -1,012.00 |
| Net Purchase/Sale of Investments Net | 8,887.00 | 2,565.00 | -4,084.00 | 5,607.00 | 18,155.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | -185,393.00 | -44,854.00 | -108,135.00 | -109,068.00 | -40,897.00 |
| Financing Cash Flow | 3,670.00 | 193,010.00 | 95,346.00 | 94,300.00 | -98,082.00 |
| Net Issuance/Repayment of Debt | 0 | -35,000.00 | -106,184.00 | 70,000.00 | -248,928.00 |
| Net Issuance/Repurchase of Equity | -241.00 | -590.00 | -477.00 | 3,383.00 | 79,411.00 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | 3,911.00 | 228,600.00 | 202,007.00 | 20,917.00 | 71,435.00 |
| Net Change in Cash | -125,216.00 | 163,738.00 | 5,460.00 | 37,908.00 | -95,757.00 |
| Cash at Beginning of Period | 785,115.00 | 621,377.00 | 615,917.00 | 535,766.00 | 479,362.00 |
| Cash at End of Period | 659,899.00 | 785,115.00 | 621,377.00 | 573,674.00 | 383,605.00 |
| Free Cash Flow | 47,620.00 | 13,017.00 | 24,343.00 | 47,069.00 | 26,079.00 |