HAFC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 11.47 | 7.38 | 7.43 | 7.35 | 8.22 |
| Price to Sales | 3.03 | ||||
| Book Value Per Common Share | 72.74 | 69.34 | 62.74 | 63.48 | 56.36 |
| Price to Book | 0.32 | 0.28 | 0.39 | 0.37 | 0.20 |
| Price to Operating Cash Flow | 7.04 | 3.80 | 3.80 | 7.22 | 4.35 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 24460.92 | 21320.59 | 37763.55 | 39673.83 | 29014.23 |
| 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 | 13.57 | 22.64 | 38.41 | 12.65 | 17.06 | 31.84 | 8.07 | 10.66 | 25.79 | 9.91 | 14.96 | 36.19 | 9.42 | 15.13 | 36.54 | |||||
| Price to Sales | 3.71 | 5.77 | 10.80 | |||||||||||||||||
| Book Value Per Common Share | 26.01 | 25.28 | 24.86 | 72.74 | 24.40 | 23.36 | 23.22 | 69.34 | 21.81 | 21.93 | 21.67 | 62.74 | 19.97 | 20.28 | 20.40 | 63.48 | 20.34 | 19.64 | 18.96 | 56.36 |
| Price to Book | 0.95 | 0.98 | 0.91 | 0.32 | 0.76 | 0.72 | 0.69 | 0.28 | 0.74 | 0.68 | 0.86 | 0.39 | 1.19 | 1.11 | 1.21 | 0.37 | 0.99 | 0.97 | 1.04 | 0.20 |
| Price to Operating Cash Flow | 4.80 | 107.82 | 26.25 | 14.86 | 15.71 | 15.99 | 4.94 | 6.45 | 15.60 | 7.14 | 13.40 | 36.98 | 9.26 | 4.44 | 91.05 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 34784.24 | 53986.88 | 96665.95 | 25826.15 | 35063.03 | 66702.70 | 25146.50 | 35368.41 | 90844.26 | 54048.24 | 81289.82 | 179918.51 | 50427.18 | 79075.41 | 177667.64 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -21.67 | -21.02 | 3.42 | 133.33 | |
| Revenue YoY | |||||
| EBITDA YoY | 5.52 | 38.30 | 10.09 | 51.21 | |
| Net Profit YoY | -22.29 | -21.06 | 2.75 | 133.85 |
| 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 | 66.97 | 84.75 | 50.00 | 96.00 | 43.57 | 94.44 | 59.33 | 120.59 | 69.05 | 133.33 | ||||||||||
| Revenue YoY | 55.43 | 103.81 | -73.20 | |||||||||||||||||
| EBITDA YoY | 54.24 | 94.65 | 50.66 | 99.77 | 52.52 | 106.03 | 58.72 | 101.91 | 63.66 | 117.16 | ||||||||||
| Net Profit YoY | 67.28 | 85.54 | 50.28 | 95.30 | 44.11 | 93.77 | 59.39 | 121.04 | 68.50 | 132.79 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 10.15 | 9.99 | 11.63 | 20.04 | 38.82 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.77 | 4.99 | 5.39 | 5.00 | 4.98 |
| 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 | 7.21 | 12.69 | 10.99 | 10.09 | 9.58 | 10.41 | 8.50 | 9.96 | 9.54 | 11.38 | 12.73 | 11.56 | 9.08 | 7.18 | 10.33 | 20.03 | 27.28 | 22.91 | 21.22 | 38.27 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 9.08 | 9.31 | 9.29 | 0.77 | 9.47 | 9.73 | 9.68 | 4.99 | 10.08 | 9.99 | 10.23 | 5.39 | 10.71 | 10.25 | 9.84 | 5.00 | 9.95 | 9.91 | 10.07 | 4.98 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.38 | 0.95 | 1.24 | 1.28 | 0.61 |
| ROE | 0.68 | 5.70 | 7.95 | 7.67 | 3.66 |
| Gross Margin | 98.11 | ||||
| Operating Margin | 121.44 | ||||
| EBITDA Margin | 124.41 | ||||
| Net Profit Margin | 26.54 |
| 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 | 0.70 | 0.42 | 0.23 | 0.58 | 0.39 | 0.20 | 0.84 | 0.58 | 0.30 | 1.02 | 0.66 | 0.31 | 0.96 | 0.59 | 0.26 | |||||
| ROE | 7.04 | 4.30 | 2.35 | 6.04 | 4.19 | 2.16 | 9.26 | 6.37 | 3.32 | 11.98 | 7.40 | 3.33 | 10.56 | 6.43 | 2.86 | |||||
| Gross Margin | 93.02 | 90.82 | 93.44 | |||||||||||||||||
| Operating Margin | 105.69 | 105.21 | 110.28 | |||||||||||||||||
| EBITDA Margin | 106.92 | 107.75 | 112.82 | |||||||||||||||||
| Net Profit Margin | 27.56 | 25.61 | 28.13 |
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 | 16,220,391.00 | 8,404,198.00 | 8,147,263.00 | 7,720,194.00 | 6,899,604.00 |
| Deposits | 19,304,615.00 | 18,836,455.00 | 18,499,573.00 | 17,358,763.00 | 21,103,969.00 |
| Cash and Short-Term Investments | 304,800.00 | 302,324.00 | 352,421.00 | 608,965.00 | 1,175,547.00 |
| Cash and Cash Equivalents | 304,800.00 | 302,324.00 | 352,421.00 | 608,965.00 | 1,175,547.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 6,271,962.00 | 6,215,540.00 | 5,972,770.00 | 5,153,020.00 | 4,871,167.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 57,004.00 | 64,359.00 | 63,250.00 | 71,088.00 | 78,631.00 |
| Goodwill | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 |
| Intangible Assets | 2,213.00 | 2,628.00 | 2,502.00 | 2,332.00 | 2,115.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 7,078,118.00 | 7,000,416.00 | 6,872,233.00 | 6,433,360.00 | 5,745,517.00 |
| 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 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 9,142,273.00 | 1,403,782.00 | 1,275,030.00 | 1,286,834.00 | 1,154,087.00 |
| Shareholders Equity | 2,196,522.00 | 2,105,673.00 | 1,912,545.00 | 1,930,251.00 | 1,731,131.00 |
| Capital Stock | 34.00 | 34.00 | 33.00 | 33.00 | 33.00 |
| Share Premium | 591,069.00 | 586,912.00 | 583,410.00 | 580,796.00 | 578,360.00 |
| Retained Earnings | 350,869.00 | 319,048.00 | 269,542.00 | 196,784.00 | 126,821.00 |
| Treasury Shares | 139,075.00 | 132,175.00 | 126,485.00 | 125,753.00 | 119,046.00 |
| Accumulated Other Comprehensive Income | -70,723.00 | -71,928.00 | -88,985.00 | -8,443.00 | 3,076.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 8,673,774.00 | 8,262,027.00 | 8,239,210.00 | 8,826,545.00 | 8,261,195.00 |
| Debt | 130,638.00 | 130,012.00 | 129,409.00 | 215,006.00 | 118,972.00 |
| Common Shares Outstanding | 30,196.00 | 30,368.65 | 30,485.62 | 30,407.26 | 30,717.83 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 234,359.00 | 0 | 0 | 0 | 0 |
| Cost Of Revenue | 4,419.00 | 0 | 0 | 0 | 0 |
| Interest Income | 398,783.00 | 369,328.00 | 273,813.00 | 216,675.00 | 223,866.00 |
| Interest Expense | 196,009.00 | 154,539.00 | 44,012.00 | 29,898.00 | 49,575.00 |
| Net Interest | 202,774.00 | 221,271.00 | 237,647.00 | 195,050.00 | 180,898.00 |
| Non-Interest Income | 31,585.00 | 34,179.00 | 34,200.00 | 40,496.00 | 43,104.00 |
| Non-Interest Expense | 141,335.00 | 136,527.00 | 130,284.00 | 124,455.00 | 119,053.00 |
| Provisions for Credit Losses | 4,419.00 | 0 | 0 | 0 | 0 |
| Gross Profit | 229,940.00 | 0 | 0 | 0 | 0 |
| Operating Expenses | 167,739.00 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 45,267.00 | 43,874.00 | 42,749.00 | 42,319.00 | 42,043.00 |
| Other Operating Expenses | 122,472.00 | 0 | 0 | 0 | 0 |
| Operating Income | 62,201.00 | 0 | 0 | 0 | 0 |
| Net Non-Operating Income | 26,404.00 | 0 | 0 | 0 | 0 |
| EBT | 88,605.00 | 114,581.00 | 140,727.00 | 135,494.00 | 59,495.00 |
| Income Tax | 23,169.00 | 33,137.00 | 35,307.00 | 32,855.00 | 14,052.00 |
| Net Income Including Non-Controlling Interests | 62,201.00 | 80,041.00 | 101,394.00 | 98,677.00 | 42,196.00 |
| Net Income Non-Controlling Interests | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 |
| Net Income | 62,201.00 | 80,041.00 | 101,394.00 | 98,677.00 | 42,197.00 |
| EBIT | 284,614.00 | 269,120.00 | 184,739.00 | 165,392.00 | 109,070.00 |
| Deprecation and Amortization | 6,958.00 | 7,202.00 | 15,056.00 | 16,089.00 | 10,952.00 |
| EBITDA | 291,572.00 | 276,322.00 | 199,795.00 | 181,481.00 | 120,022.00 |
| 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 | 30,019.81 | 30,269.74 | 30,299.15 | 30,393.56 | 30,280.42 |
| Average Shares Outstanding Diluted | 30,102.34 | 30,330.26 | 30,392.06 | 30,471.75 | 30,280.42 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 100,681.00 | 154,465.00 | 197,594.00 | 99,675.00 | 78,854.00 |
| Operating Net Income | 186,603.00 | 80,041.00 | 101,394.00 | 197,353.00 | 84,393.00 |
| Deprecation and Amortization | 6,958.00 | 7,202.00 | 15,056.00 | 16,089.00 | 10,952.00 |
| Deferred Income Tax | -3,439.00 | -5,406.00 | 37,719.00 | 4,111.00 | 424.00 |
| Share Based Compensation | 8,250.00 | 6,061.00 | 5,991.00 | 4,950.00 | 5,120.00 |
| Change in Working Capital | -5,779.00 | 28,938.00 | 24,227.00 | -2,612.00 | 29,986.00 |
| Other Operating Activities | -91,912.00 | 37,629.00 | 13,207.00 | -120,216.00 | -52,021.00 |
| Investing Cash Flow | -113,617.00 | -224,322.00 | -899,462.00 | -447,039.00 | -407,587.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 5,423.00 | 9,648.00 | 1,926.00 | 2,769.00 | 5,234.00 |
| Net Purchase/Sale of Investments Net | 396,628.00 | 249,296.00 | 291,308.00 | 846,230.00 | 1,566,561.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 44,921.00 | 212,173.00 | 808,604.00 | 235,242.00 | 285,670.00 |
| Other Investing Activities | -560,589.00 | -695,439.00 | -2,001,300.00 | -1,531,280.00 | -2,265,052.00 |
| Financing Cash Flow | 19,306.00 | 16,694.00 | 361,005.00 | 642,091.00 | 599,066.00 |
| Net Issuance/Repayment of Debt | 0 | -25,000.00 | -712,320.00 | -12,500.00 | 75,000.00 |
| Net Issuance/Repurchase of Equity | 14,374.00 | 4,084.00 | 57.00 | 6,135.00 | 2,196.00 |
| Dividends Paid | 30,380.00 | 30,535.00 | 28,636.00 | 16,514.00 | 31,919.00 |
| Other Financing Activities | -25,448.00 | 7,075.00 | 1,044,632.00 | 631,942.00 | 489,951.00 |
| Net Change in Cash | 6,370.00 | -53,163.00 | -340,863.00 | 294,727.00 | 270,333.00 |
| Cash at Beginning of Period | 298,430.00 | 355,487.00 | 693,284.00 | 314,238.00 | 121,516.00 |
| Cash at End of Period | 304,800.00 | 302,324.00 | 352,421.00 | 608,965.00 | 391,849.00 |
| 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 | 7,856,731.00 | 7,862,363.00 | 7,729,035.00 | 16,220,391.00 | 7,712,299.00 | 7,586,347.00 | 7,512,046.00 | 8,404,198.00 | 7,350,140.00 | 7,344,924.00 | 7,434,130.00 | 8,147,263.00 | 7,128,511.00 | 6,955,968.00 | 6,737,052.00 | 7,720,194.00 | 6,776,533.00 | 6,578,856.00 | 6,438,401.00 | 6,899,604.00 |
| Deposits | 20,301,581.00 | 20,184,033.00 | 19,856,505.00 | 19,304,615.00 | 19,210,520.00 | 18,983,256.00 | 19,122,727.00 | 18,836,455.00 | 18,779,626.00 | 18,943,302.00 | 18,606,215.00 | 18,499,573.00 | 18,607,926.00 | 17,935,015.00 | 17,346,506.00 | 17,358,763.00 | 17,188,453.00 | 16,889,923.00 | 16,529,536.00 | 21,103,969.00 |
| Cash and Short-Term Investments | 215,654.00 | 380,050.00 | 329,003.00 | 304,800.00 | 287,767.00 | 313,079.00 | 256,038.00 | 302,324.00 | 289,006.00 | 344,907.00 | 386,201.00 | 352,421.00 | 275,159.00 | 217,237.00 | 312,491.00 | 608,965.00 | 824,347.00 | 697,789.00 | 646,445.00 | 1,175,547.00 |
| Cash and Cash Equivalents | 215,654.00 | 380,050.00 | 329,003.00 | 304,800.00 | 287,767.00 | 313,079.00 | 256,038.00 | 302,324.00 | 289,006.00 | 344,907.00 | 386,201.00 | 352,421.00 | 275,159.00 | 217,237.00 | 312,491.00 | 608,965.00 | 824,347.00 | 697,789.00 | 646,445.00 | 1,175,547.00 |
| 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 | 6,539,774.00 | 6,405,721.00 | 6,302,626.00 | 6,271,962.00 | 6,359,863.00 | 6,197,480.00 | 6,183,132.00 | 6,215,540.00 | 6,047,936.00 | 5,967,859.00 | 5,973,621.00 | 5,972,770.00 | 5,803,407.00 | 5,677,979.00 | 5,347,900.00 | 5,153,020.00 | 4,870,000.00 | 4,886,574.00 | 4,869,919.00 | 4,871,167.00 |
| 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 | 53,040.00 | 55,207.00 | 57,166.00 | 57,004.00 | 58,671.00 | 59,955.00 | 61,952.00 | 64,359.00 | 63,707.00 | 60,649.00 | 61,225.00 | 63,250.00 | 65,591.00 | 68,007.00 | 68,910.00 | 71,088.00 | 73,782.00 | 73,625.00 | 75,498.00 | 78,631.00 |
| Goodwill | 11,000.00 | 11,000.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 | 11,031.00 |
| Intangible Assets | 0 | 0 | 0 | 2,213.00 | 2,213.00 | 2,196.00 | 2,170.00 | 2,628.00 | 11,131.00 | 11,162.00 | 11,193.00 | 2,502.00 | 2,460.00 | 2,417.00 | 2,374.00 | 2,332.00 | 2,277.00 | 2,223.00 | 2,169.00 | 2,115.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 7,077,181.00 | 7,099,529.00 | 6,977,550.00 | 7,078,118.00 | 6,975,590.00 | 6,879,288.00 | 6,808,946.00 | 7,000,416.00 | 6,686,781.00 | 6,676,364.00 | 6,771,965.00 | 6,872,233.00 | 6,519,618.00 | 6,337,672.00 | 6,115,600.00 | 6,433,360.00 | 6,157,478.00 | 5,975,879.00 | 5,856,579.00 | 5,745,517.00 |
| 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 | 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 | 779,550.00 | 762,834.00 | 751,485.00 | 9,142,273.00 | 736,709.00 | 707,059.00 | 703,100.00 | 1,403,782.00 | 663,359.00 | 668,560.00 | 662,165.00 | 1,275,030.00 | 608,893.00 | 618,296.00 | 621,452.00 | 1,286,834.00 | 619,055.00 | 602,977.00 | 581,822.00 | 1,154,087.00 |
| Shareholders Equity | 779,550.00 | 762,834.00 | 751,485.00 | 2,196,522.00 | 736,709.00 | 707,059.00 | 703,100.00 | 2,105,673.00 | 663,359.00 | 668,560.00 | 662,165.00 | 1,912,545.00 | 608,893.00 | 618,296.00 | 621,452.00 | 1,930,251.00 | 619,055.00 | 602,977.00 | 581,822.00 | 1,731,131.00 |
| Capital Stock | 34.00 | 34.00 | 34.00 | 34.00 | 34.00 | 34.00 | 34.00 | 34.00 | 34.00 | 33.00 | 33.00 | 33.00 | 33.00 | 33.00 | 33.00 | 33.00 | 33.00 | 33.00 | 33.00 | 33.00 |
| Share Premium | 593,768.00 | 592,825.00 | 591,942.00 | 591,069.00 | 589,567.00 | 588,647.00 | 587,687.00 | 586,912.00 | 586,169.00 | 585,391.00 | 584,884.00 | 583,410.00 | 582,695.00 | 582,018.00 | 581,337.00 | 580,796.00 | 580,259.00 | 579,595.00 | 578,958.00 | 578,360.00 |
| Retained Earnings | 381,183.00 | 367,251.00 | 360,289.00 | 350,869.00 | 340,718.00 | 333,392.00 | 326,526.00 | 319,048.00 | 308,007.00 | 296,901.00 | 283,910.00 | 269,542.00 | 248,684.00 | 229,135.00 | 210,788.00 | 196,784.00 | 169,534.00 | 146,651.00 | 128,211.00 | 126,821.00 |
| Treasury Shares | 147,476.00 | 142,765.00 | 140,778.00 | 139,075.00 | 138,470.00 | 137,014.00 | 134,257.00 | 132,175.00 | 131,429.00 | 129,126.00 | 127,603.00 | 126,485.00 | 126,457.00 | 126,322.00 | 125,887.00 | 125,753.00 | 125,414.00 | 120,443.00 | 120,087.00 | 119,046.00 |
| Accumulated Other Comprehensive Income | -47,959.00 | -54,511.00 | -60,002.00 | -70,723.00 | -55,140.00 | -78,000.00 | -76,890.00 | -71,928.00 | -99,422.00 | -84,639.00 | -79,059.00 | -88,985.00 | -96,062.00 | -66,568.00 | -44,819.00 | -8,443.00 | -5,357.00 | -2,859.00 | -5,293.00 | 3,076.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 8,448,863.00 | 8,626,246.00 | 8,607,546.00 | 8,673,774.00 | 8,604,890.00 | 8,281,128.00 | 8,260,662.00 | 8,262,027.00 | 7,775,301.00 | 7,998,031.00 | 8,418,562.00 | 8,239,210.00 | 8,020,287.00 | 8,338,507.00 | 8,504,852.00 | 8,826,545.00 | 8,852,115.00 | 8,433,990.00 | 7,770,915.00 | 8,261,195.00 |
| Debt | 130,309.00 | 130,960.00 | 130,799.00 | 130,638.00 | 130,478.00 | 130,318.00 | 130,165.00 | 130,012.00 | 129,860.00 | 129,708.00 | 129,558.00 | 129,409.00 | 129,261.00 | 129,113.00 | 128,967.00 | 215,006.00 | 214,844.00 | 119,243.00 | 119,124.00 | 118,972.00 |
| Common Shares Outstanding | 29,975.37 | 30,176.57 | 30,233.51 | 30,196.00 | 30,196.76 | 30,272.11 | 30,276.36 | 30,368.65 | 30,410.58 | 30,485.79 | 30,555.29 | 30,485.62 | 30,484.00 | 30,482.99 | 30,468.46 | 30,407.26 | 30,441.60 | 30,697.65 | 30,682.53 | 30,717.83 |
| 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 | 198,986.00 | 128,027.00 | 62,818.00 | 234,359.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cost Of Revenue | 13,896.00 | 11,752.00 | 4,121.00 | -243.00 | 3,474.00 | 1,188.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Income | 305,815.00 | 200,589.00 | 99,257.00 | -197,734.00 | 298,670.00 | 198,253.00 | 99,594.00 | -168,192.00 | 272,144.00 | 178,073.00 | 87,303.00 | -94,789.00 | 191,574.00 | 120,124.00 | 56,904.00 | -104,109.00 | 162,064.00 | 106,664.00 | 52,056.00 |
| Interest Expense | 132,505.00 | 88,358.00 | 44,165.00 | -101,255.00 | 149,346.00 | 98,979.00 | 48,939.00 | -43,722.00 | 104,014.00 | 64,797.00 | 29,450.00 | 9,452.00 | 18,488.00 | 10,124.00 | 5,948.00 | -3,757.00 | 16,510.00 | 11,090.00 | 6,055.00 |
| Net Interest | 173,310.00 | 112,231.00 | 55,092.00 | -96,479.00 | 149,324.00 | 99,274.00 | 50,655.00 | -117,988.00 | 168,130.00 | 113,276.00 | 57,853.00 | -96,395.00 | 173,086.00 | 110,000.00 | 50,956.00 | -92,079.00 | 145,554.00 | 95,574.00 | 46,001.00 |
| Non-Interest Income | 25,676.00 | 15,796.00 | 7,726.00 | -16,166.00 | 24,228.00 | 15,790.00 | 7,733.00 | -17,927.00 | 27,499.00 | 16,271.00 | 8,336.00 | -18,892.00 | 26,743.00 | 17,829.00 | 8,520.00 | -19,205.00 | 31,201.00 | 18,692.00 | 9,808.00 |
| Non-Interest Expense | 108,689.00 | 71,330.00 | 34,984.00 | -73,630.00 | 106,800.00 | 71,720.00 | 36,445.00 | -64,652.00 | 101,316.00 | 67,072.00 | 32,791.00 | -61,016.00 | 96,441.00 | 63,167.00 | 31,692.00 | -58,214.00 | 92,818.00 | 60,316.00 | 29,535.00 |
| Provisions for Credit Losses | 13,896.00 | 11,752.00 | 4,121.00 | -243.00 | 3,474.00 | 1,188.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit | 185,090.00 | 116,275.00 | 58,697.00 | 229,940.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Expenses | 130,240.00 | 83,486.00 | 41,025.00 | 167,739.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 33,395.00 | 21,915.00 | 10,807.00 | -22,763.00 | 33,770.00 | 22,771.00 | 11,489.00 | -20,073.00 | 32,203.00 | 21,235.00 | 10,509.00 | -21,232.00 | 32,210.00 | 20,977.00 | 10,794.00 | -18,934.00 | 31,049.00 | 20,120.00 | 10,084.00 |
| Other Operating Expenses | 96,845.00 | 61,571.00 | 30,218.00 | 122,472.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Income | 54,850.00 | 32,789.00 | 17,672.00 | 62,201.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Non-Operating Income | 22,951.00 | 13,556.00 | 7,441.00 | 26,404.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EBT | 77,801.00 | 46,345.00 | 25,113.00 | -38,545.00 | 63,278.00 | 42,156.00 | 21,716.00 | -64,206.00 | 87,103.00 | 60,419.00 | 31,265.00 | -55,479.00 | 102,605.00 | 64,442.00 | 29,159.00 | -36,227.00 | 92,389.00 | 55,167.00 | 24,165.00 |
| Income Tax | 22,951.00 | 13,556.00 | 7,441.00 | -14,696.00 | 18,772.00 | 12,541.00 | 6,552.00 | -19,639.00 | 25,695.00 | 17,807.00 | 9,274.00 | -21,544.00 | 29,690.00 | 18,697.00 | 8,464.00 | -18,079.00 | 27,042.00 | 16,386.00 | 7,506.00 |
| Net Income Including Non-Controlling Interests | 54,850.00 | 32,789.00 | 17,672.00 | -27,084.00 | 44,506.00 | 29,615.00 | 15,164.00 | -45,970.00 | 61,408.00 | 42,612.00 | 21,991.00 | -37,961.00 | 72,915.00 | 45,745.00 | 20,695.00 | -22,109.00 | 65,346.00 | 38,781.00 | 16,659.00 |
| Net Income Non-Controlling Interests | 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 Income | 54,850.00 | 32,789.00 | 17,672.00 | -27,084.00 | 44,506.00 | 29,615.00 | 15,164.00 | -45,970.00 | 61,408.00 | 42,612.00 | 21,991.00 | -37,961.00 | 72,915.00 | 45,745.00 | 20,695.00 | -22,109.00 | 65,346.00 | 38,781.00 | 16,659.00 |
| EBIT | 210,306.00 | 134,703.00 | 69,278.00 | -139,800.00 | 212,624.00 | 141,135.00 | 70,655.00 | -107,928.00 | 191,117.00 | 125,216.00 | 60,715.00 | -46,027.00 | 121,093.00 | 74,566.00 | 35,107.00 | -39,984.00 | 108,899.00 | 66,257.00 | 30,220.00 |
| Deprecation and Amortization | 2,458.00 | 3,244.00 | 1,592.00 | -2,707.00 | 4,847.00 | 3,214.00 | 1,604.00 | -3,159.00 | 5,152.00 | 3,467.00 | 1,742.00 | -13,556.00 | 12,463.00 | 9,581.00 | 6,568.00 | -7,675.00 | 12,186.00 | 7,728.00 | 3,850.00 |
| EBITDA | 212,764.00 | 137,947.00 | 70,870.00 | -142,507.00 | 217,471.00 | 144,349.00 | 72,259.00 | -111,087.00 | 196,269.00 | 128,683.00 | 62,457.00 | -59,583.00 | 133,556.00 | 84,147.00 | 41,675.00 | -47,659.00 | 121,085.00 | 73,985.00 | 34,070.00 |
| 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 | 29,905.26 | 29,943.28 | 29,937.66 | 29,821.53 | 30,048.75 | 30,089.34 | 30,119.65 | 30,114.36 | 30,296.99 | 30,320.28 | 30,347.33 | 30,381.55 | 30,289.07 | 30,271.76 | 30,254.21 | 30,437.26 | 30,222.98 | 30,452.32 | 30,461.68 |
| Average Shares Outstanding Diluted | 29,955.37 | 30,048.70 | 30,058.25 | 30,006.25 | 30,117.27 | 30,166.18 | 30,119.65 | 30,168.38 | 30,338.68 | 30,383.23 | 30,430.74 | 30,429.84 | 30,369.54 | 30,391.27 | 30,377.58 | 30,588.35 | 30,298.55 | 30,526.12 | 30,473.97 |
| 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 | 153,767.00 | 6,853.00 | 25,844.00 | 1,056.00 | 37,608.00 | 32,034.00 | 29,983.00 | -51,401.00 | 99,607.00 | 70,131.00 | 36,128.00 | 26,386.00 | 100,390.00 | 50,684.00 | 20,134.00 | -103,061.00 | 65,465.00 | 130,669.00 | 6,602.00 |
| Operating Net Income | 54,850.00 | 32,789.00 | 17,672.00 | 97,318.00 | 44,506.00 | 29,615.00 | 15,164.00 | -45,970.00 | 61,408.00 | 42,612.00 | 21,991.00 | -37,961.00 | 72,915.00 | 45,745.00 | 20,695.00 | 76,567.00 | 65,346.00 | 38,781.00 | 16,659.00 |
| Deprecation and Amortization | 2,458.00 | 3,244.00 | 1,592.00 | -2,707.00 | 4,847.00 | 3,214.00 | 1,604.00 | -3,159.00 | 5,152.00 | 3,467.00 | 1,742.00 | -13,556.00 | 12,463.00 | 9,581.00 | 6,568.00 | -7,675.00 | 12,186.00 | 7,728.00 | 3,850.00 |
| Deferred Income Tax | 0 | 0 | 0 | -3,439.00 | 0 | 0 | 0 | -5,406.00 | 0 | 0 | 0 | 37,719.00 | 0 | 0 | 0 | 4,111.00 | 0 | 0 | 0 |
| Share Based Compensation | 2,699.00 | 1,756.00 | 873.00 | 3,085.00 | 2,655.00 | 1,735.00 | 775.00 | 2,311.00 | 1,938.00 | 1,160.00 | 652.00 | 2,342.00 | 1,886.00 | 1,222.00 | 541.00 | 1,218.00 | 1,899.00 | 1,235.00 | 598.00 |
| Change in Working Capital | 4,122.00 | 4,681.00 | -1,160.00 | 7,453.00 | -2,938.00 | -4,730.00 | -5,564.00 | 1,877.00 | 22,644.00 | 1,417.00 | 3,000.00 | -28,343.00 | 21,443.00 | 17,382.00 | 13,745.00 | 12,809.00 | -5,531.00 | -4,945.00 | -4,945.00 |
| Other Operating Activities | 89,638.00 | -35,617.00 | 6,867.00 | -100,654.00 | -11,462.00 | 2,200.00 | 18,004.00 | -1,054.00 | 8,465.00 | 21,475.00 | 8,743.00 | 66,185.00 | -8,317.00 | -23,246.00 | -21,415.00 | -190,091.00 | -8,435.00 | 87,870.00 | -9,560.00 |
| Investing Cash Flow | -340,833.00 | -69,850.00 | -30,483.00 | 33,971.00 | -120,674.00 | -17,429.00 | -9,485.00 | -173,203.00 | -40,456.00 | 16,732.00 | -27,395.00 | 551,988.00 | -702,796.00 | -541,770.00 | -206,884.00 | -139,819.00 | -153,106.00 | -171,403.00 | 17,289.00 |
| 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 | 1,406.00 | 846.00 | 277.00 | -1,516.00 | 4,582.00 | 1,563.00 | 794.00 | 18.00 | 7,350.00 | 1,663.00 | 617.00 | -1,842.00 | 1,750.00 | 1,401.00 | 617.00 | -2,703.00 | 2,495.00 | 1,966.00 | 1,011.00 |
| Net Purchase/Sale of Investments Net | 309,554.00 | 211,343.00 | 77,607.00 | -39,548.00 | 234,217.00 | 137,302.00 | 64,657.00 | -30,093.00 | 146,962.00 | 85,424.00 | 47,003.00 | -167,077.00 | 217,635.00 | 155,545.00 | 85,205.00 | -444,549.00 | 634,902.00 | 463,498.00 | 192,379.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 44,921.00 | 212,173.00 | 808,604.00 | 235,242.00 | 285,670.00 | ||||||||||||||
| Other Investing Activities | -974,562.00 | -315,775.00 | -116,975.00 | 164,090.00 | -454,764.00 | -178,250.00 | -91,665.00 | -274,781.00 | -259,342.00 | -71,528.00 | -89,788.00 | 1,223,572.00 | -1,563,800.00 | -1,192,844.00 | -468,228.00 | 42,076.00 | -770,088.00 | -685,438.00 | -117,830.00 |
| Financing Cash Flow | 97,920.00 | 138,247.00 | 28,842.00 | 21,431.00 | 68,509.00 | -3,850.00 | -66,784.00 | 208,590.00 | -122,566.00 | -94,377.00 | 25,047.00 | 102,771.00 | 268,600.00 | 99,358.00 | -109,724.00 | -455,428.00 | 520,140.00 | 346,674.00 | 230,705.00 |
| Net Issuance/Repayment of Debt | 0 | 0 | 0 | 0 | 0 | -32,500.00 | -152,500.00 | 387,500.00 | -187,500.00 | -225,000.00 | 0 | -45,180.00 | -437,320.00 | -217,320.00 | -12,500.00 | 0.00 | -12,500.00 | 0 | 0 |
| Net Issuance/Repurchase of Equity | 7,441.00 | 2,754.00 | 1,125.00 | 2,694.00 | 5,760.00 | 4,326.00 | 1,594.00 | -1,527.00 | 3,345.00 | 1,444.00 | 822.00 | 44.00 | 13.00 | 0 | 0 | -1,594.00 | 5,837.00 | 946.00 | 946.00 |
| Dividends Paid | 24,536.00 | 16,407.00 | 8,153.00 | -15,413.00 | 22,836.00 | 15,271.00 | 7,686.00 | -15,284.00 | 22,943.00 | 15,253.00 | 7,623.00 | -12,464.00 | 21,015.00 | 13,394.00 | 6,691.00 | -3,739.00 | 10,433.00 | 6,751.00 | 3,069.00 |
| Other Financing Activities | 65,943.00 | 119,086.00 | 19,564.00 | -150,850.00 | 39,913.00 | 9,053.00 | 76,436.00 | -162,099.00 | 38,646.00 | 113,926.00 | 16,602.00 | 160,371.00 | 684,892.00 | 303,284.00 | -103,915.00 | -450,095.00 | 516,370.00 | 338,977.00 | 226,690.00 |
| Net Change in Cash | -89,146.00 | 75,250.00 | 24,203.00 | 56,458.00 | -14,557.00 | 10,755.00 | -46,286.00 | -16,014.00 | -63,415.00 | -7,514.00 | 33,780.00 | 681,145.00 | -333,806.00 | -391,728.00 | -296,474.00 | -698,307.00 | 432,498.00 | 305,940.00 | 254,596.00 |
| Cash at Beginning of Period | 304,800.00 | 304,800.00 | 304,800.00 | 248,342.00 | 302,324.00 | 302,324.00 | 302,324.00 | 318,338.00 | 352,421.00 | 352,421.00 | 352,421.00 | -328,724.00 | 608,965.00 | 608,965.00 | 608,965.00 | 1,307,272.00 | 391,849.00 | 391,849.00 | 391,849.00 |
| Cash at End of Period | 215,654.00 | 380,050.00 | 329,003.00 | 304,800.00 | 287,767.00 | 313,079.00 | 256,038.00 | 302,324.00 | 289,006.00 | 344,907.00 | 386,201.00 | 352,421.00 | 275,159.00 | 217,237.00 | 312,491.00 | 608,965.00 | 824,347.00 | 697,789.00 | 646,445.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |