HFWA
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 19.44 | 12.15 | 13.15 | 8.89 | 18.13 |
| Price to Sales | 74.83 | 68.32 | 121.06 | ||
| Book Value Per Common Share | 25.40 | 24.44 | 22.73 | 24.34 | 22.85 |
| Price to Book | 0.96 | 0.88 | 1.35 | 1.00 | 1.02 |
| Price to Operating Cash Flow | 13.09 | 6.84 | 11.39 | 12.54 | 11.98 |
| Price to Free Cash Flow | 13.84 | 7.56 | 11.89 | 13.11 | 13.30 |
| Enterprise Value to EBITDA | 53440.37 | 54173.94 | 97257.75 | 58683.31 | 126132.32 |
| 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 | 43.20 | 66.22 | 59.34 | 65.97 | 114.06 | 36.90 | 44.75 | 40.34 | |||||
| Price to Sales | 12.50 | 14.36 | 278.06 | 13.64 | 242.07 | 375.44 | 360.06 | ||||||
| Book Value Per Common Share | 26.62 | 26.16 | 25.85 | 25.40 | 25.61 | 24.43 | 24.44 | 23.53 | 22.73 | 23.40 | 24.34 | 22.99 | 22.85 |
| Price to Book | 0.91 | 0.91 | 0.94 | 0.96 | 0.85 | 0.79 | 0.88 | 0.91 | 1.35 | 1.07 | 1.00 | 1.23 | 1.02 |
| Price to Operating Cash Flow | 32.76 | 36.03 | 42.98 | 30.91 | 52.35 | 32.11 | 80.48 | 111.71 | |||||
| Price to Free Cash Flow | 33.68 | 38.78 | 45.77 | 32.16 | 56.25 | 40.08 | 86.18 | 117.91 | |||||
| Enterprise Value to EBITDA | 204457.56 | 219353.45 | 228194.81 | 340143.83 | 264602.60 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -28.41 | -24.46 | -15.27 | 113.18 | |
| Revenue YoY | 2.91 | 23.42 | |||
| EBITDA YoY | 13.07 | 24.62 | -24.34 | 119.52 | |
| Net Profit YoY | -29.95 | -24.57 | -16.48 | 110.51 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 55.56 | -12.20 | 24.24 | 94.12 | -70.69 | 3.57 | -20.00 | ||||||
| Revenue YoY | 16.28 | 1799.16 | -94.57 | 1865.39 | 39.40 | -18.07 | |||||||
| EBITDA YoY | -6.86 | 27.33 | -32.66 | ||||||||||
| Net Profit YoY | 56.93 | -12.19 | 21.78 | 98.73 | -71.90 | 3.54 | -22.04 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 3.40 | 6.42 | 2.95 | 48.30 | 20.64 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 7.23 | 7.41 | 7.75 | 7.70 | 7.06 |
| 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 | 7.31 | 3.45 | 5.45 | 6.45 | 8.59 | 2.95 | 44.93 | 49.09 | 26.01 | 20.70 | |||
| Quick Ratio | |||||||||||||
| Current Ratio | |||||||||||||
| Debt to Equity | 6.76 | 6.96 | 7.09 | 7.23 | 7.18 | 7.37 | 7.41 | 7.76 | 7.75 | 8.11 | 7.70 | 7.50 | 7.06 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.61 | 0.86 | 1.17 | 1.32 | 0.70 |
| ROE | 5.01 | 7.24 | 10.26 | 11.47 | 5.68 |
| Gross Margin | 87.66 | 97.98 | 83.95 | ||
| Operating Margin | 1352.30 | 1205.77 | 1209.99 | ||
| EBITDA Margin | 1380.93 | 1256.88 | 1244.78 | ||
| Net Profit Margin | 383.32 | 563.15 | 921.50 |
| 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 | 0.27 | 0.17 | 0.20 | 0.16 | 0.08 | 0.28 | 0.26 | 0.36 | |||||
| ROE | 2.12 | 1.38 | 1.58 | 1.31 | 0.68 | 2.48 | 2.41 | 3.06 | |||||
| Gross Margin | 60.71 | 96.70 | 8.75 | -46.54 | |||||||||
| Operating Margin | 1338.99 | 1064.96 | 1574.65 | 1023.72 | |||||||||
| EBITDA Margin | 1364.20 | 1099.93 | 1646.15 | 1059.28 | |||||||||
| Net Profit Margin | 29.18 | 21.62 | 467.60 | 20.85 | 206.17 | 1022.85 | 809.38 |
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 | 42.51 | 67.07 | 69.31 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 7,106,278.00 | 7,174,957.00 | 6,980,100.00 | 7,432,412.00 | 6,615,318.00 |
| Deposits | 5,684,613.00 | 5,599,872.00 | 5,924,840.00 | 6,381,337.00 | 5,597,990.00 |
| Cash and Short-Term Investments | 117,100.00 | 224,973.00 | 103,590.00 | 1,723,292.00 | 743,322.00 |
| Cash and Cash Equivalents | 117,100.00 | 224,973.00 | 103,590.00 | 1,723,292.00 | 743,322.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 19,483.00 | 19,518.00 | 8,034,291.00 | 7,561,259.00 | -50,767.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 93,980.00 | 98,499.00 | 99,630.00 | 106,970.00 | 103,452.00 |
| Goodwill | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 |
| Intangible Assets | 3,153.00 | 4,793.00 | 7,227.00 | 9,977.00 | 13,088.00 |
| 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 | 6,242,751.00 | 6,321,696.00 | 6,182,207.00 | 6,577,980.00 | 5,794,879.00 |
| 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 | 383,000.00 | 500,000.00 | 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 | 863,527.00 | 853,261.00 | 797,893.00 | 854,432.00 | 820,439.00 |
| Shareholders Equity | 863,527.00 | 853,261.00 | 797,893.00 | 854,432.00 | 820,439.00 |
| Capital Stock | 531,674.00 | 549,748.00 | 552,397.00 | 551,798.00 | 571,021.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 387,097.00 | 375,989.00 | 345,346.00 | 293,238.00 | 224,400.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -55,244.00 | -72,476.00 | -99,850.00 | 9,396.00 | 25,018.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 764,394.00 | 1,873,795.00 | 8,246,536.00 | 6,371,118.00 | 802,163.00 |
| Debt | 405,058.00 | 521,765.00 | 21,473.00 | 21,180.00 | 20,887.00 |
| Net Debt | 287,958.00 | 296,792.00 | 0 | 0 | 0 |
| Common Shares Outstanding | 33,990.83 | 34,906.23 | 35,106.70 | 35,105.78 | 35,912.24 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 11,285.00 | 10,966.00 | 8,885.00 | 0 | 0 |
| Cost Of Revenue | 1,393.00 | 221.00 | 1,426.00 | 29,372.00 | 36,106.00 |
| Interest Income | 309,712.00 | 284,465.00 | 236,524.00 | 214,439.00 | 215,023.00 |
| Interest Expense | 100,348.00 | 59,310.00 | 8,072.00 | 7,042.00 | 13,323.00 |
| Net Interest | 207,238.00 | 223,107.00 | 219,385.00 | 205,789.00 | 200,997.00 |
| Non-Interest Income | 57,784.00 | 87,318.00 | 29,591.00 | 34,615.00 | 37,229.00 |
| Non-Interest Expense | -165,213.00 | -173,360.00 | -150,966.00 | -149,269.00 | -148,940.00 |
| Provisions for Credit Losses | -6,282.00 | -4,280.00 | -1,426.00 | -29,372.00 | 36,106.00 |
| Gross Profit | 9,892.00 | 10,745.00 | 7,459.00 | 0 | 0 |
| Selling, General and Administrative Expenses | 38,215.00 | 43,839.00 | 42,039.00 | 44,764.00 | 41,081.00 |
| EBT | 52,259.00 | 72,915.00 | 99,436.00 | 120,507.00 | 53,180.00 |
| Income Tax | 7,011.00 | 9,275.00 | 17,561.00 | 22,472.00 | 6,610.00 |
| Net Income | 43,258.00 | 61,755.00 | 81,875.00 | 98,035.00 | 46,570.00 |
| EBIT | 152,607.00 | 132,225.00 | 107,508.00 | 127,549.00 | 66,503.00 |
| Deprecation and Amortization | 3,231.00 | 5,604.00 | 3,091.00 | 18,628.00 | 87.00 |
| EBITDA | 155,838.00 | 137,829.00 | 110,599.00 | 146,177.00 | 66,590.00 |
| 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 | 34,465.32 | 35,022.25 | 35,103.46 | 35,677.85 | 36,014.44 |
| Average Shares Outstanding Diluted | 34,899.04 | 35,258.19 | 35,463.90 | 35,973.39 | 36,170.07 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 64,483.00 | 109,523.00 | 94,456.00 | 69,530.00 | 70,331.00 |
| Operating Net Income | 43,258.00 | 61,755.00 | 81,875.00 | 98,035.00 | 46,570.00 |
| Deprecation and Amortization | 3,231.00 | 5,604.00 | 3,091.00 | -18,628.00 | -87.00 |
| Deferred Income Tax | -15,291.00 | -13,204.00 | 871.00 | 1,576.00 | -8,576.00 |
| Share Based Compensation | 4,344.00 | 4,325.00 | 0 | 0 | 0 |
| Change in Working Capital | 4,364.00 | 24,872.00 | 0 | 19,022.00 | 0 |
| Other Operating Activities | 24,577.00 | 26,171.00 | 8,619.00 | -30,475.00 | 32,424.00 |
| Investing Cash Flow | -85,903.00 | -93,446.00 | -1,207,779.00 | 163,763.00 | -538,549.00 |
| Capital Expenditure | -3,459.00 | -10,376.00 | -4,016.00 | -3,018.00 | -6,997.00 |
| Net Purchase/Sale of PPE | -3,378.00 | -10,298.00 | -3,910.00 | -2,953.00 | -6,443.00 |
| Net Purchase/Sale of Investments Net | 406,225.00 | 246,222.00 | -963,533.00 | -499,240.00 | 264,223.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -464,585.00 | -280,664.00 | -225,149.00 | 699,107.00 | -692,720.00 |
| Other Investing Activities | -20,706.00 | -38,330.00 | -11,171.00 | -30,133.00 | -96,612.00 |
| Financing Cash Flow | -86,453.00 | 105,306.00 | -506,379.00 | 746,677.00 | 982,972.00 |
| Net Issuance/Repayment of Debt | -117,000.00 | 453,403.00 | -50,050.00 | 0 | -64,000.00 |
| Net Issuance/Repurchase of Equity | 22,418.00 | 6,974.00 | 3,196.00 | 22,889.00 | 19,241.00 |
| Dividends Paid | 31,776.00 | 30,820.00 | 29,491.00 | 28,937.00 | 28,859.00 |
| Other Financing Activities | -23,647.00 | -385,891.00 | -489,016.00 | 694,851.00 | 998,872.00 |
| Net Change in Cash | -107,873.00 | 121,383.00 | -1,619,702.00 | 979,970.00 | 514,754.00 |
| Cash at Beginning of Period | 224,973.00 | 103,590.00 | 1,723,292.00 | 743,322.00 | 228,568.00 |
| Cash at End of Period | 117,100.00 | 224,973.00 | 103,590.00 | 1,723,292.00 | 743,322.00 |
| Free Cash Flow | 61,024.00 | 99,147.00 | 90,440.00 | 66,512.00 | 63,334.00 |
| 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 | 7,011,879.00 | 7,070,641.00 | 7,129,862.00 | 7,106,278.00 | 7,153,363.00 | 7,091,283.00 | 7,174,957.00 | 7,236,806.00 | 6,980,100.00 | 7,483,814.00 | 7,432,412.00 | 7,028,392.00 | 6,615,318.00 |
| Deposits | 0 | 0 | 5,845,335.00 | 5,684,613.00 | 0 | 5,532,327.00 | 5,599,872.00 | 5,789,022.00 | 5,924,840.00 | 6,491,500.00 | 6,381,337.00 | 6,019,698.00 | 5,597,990.00 |
| Cash and Short-Term Investments | 0 | 0 | 248,660.00 | 117,100.00 | 0 | 189,647.00 | 224,973.00 | 301,481.00 | 103,590.00 | 1,576,722.00 | 1,723,292.00 | 934,316.00 | 743,322.00 |
| Cash and Cash Equivalents | 245,491.00 | 254,096.00 | 248,660.00 | 117,100.00 | 175,572.00 | 189,647.00 | 224,973.00 | 301,481.00 | 103,590.00 | 1,576,722.00 | 1,723,292.00 | 934,316.00 | 743,322.00 |
| Short-Term Investments | 561,874.00 | 585,218.00 | 0 | 0 | 852,779.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 19,146.00 | 18,559.00 | 19,651.00 | 19,483.00 | 20,102.00 | 19,898.00 | 19,518.00 | 18,548.00 | 8,034,291.00 | 7,576,272.00 | 7,561,259.00 | 9,082,735.00 | -50,767.00 |
| 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 | 70,382.00 | 71,111.00 | 71,079.00 | 93,980.00 | 72,500.00 | 74,092.00 | 98,499.00 | 80,094.00 | 99,630.00 | 78,737.00 | 106,970.00 | 84,533.00 | 103,452.00 |
| Goodwill | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 | 240,939.00 |
| Intangible Assets | 2,264.00 | 2,548.00 | 2,850.00 | 3,153.00 | 3,552.00 | 4,372.00 | 4,793.00 | 6,604.00 | 7,227.00 | 9,273.00 | 9,977.00 | 12,291.00 | 13,088.00 |
| Long-Term Investments | 1,312,857.00 | 1,346,274.00 | 0 | 0 | 1,572,179.00 | 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 | 6,107,815.00 | 6,182,429.00 | 6,248,347.00 | 6,242,751.00 | 6,278,849.00 | 6,243,703.00 | 6,321,696.00 | 6,410,724.00 | 6,182,207.00 | 6,662,365.00 | 6,577,980.00 | 6,201,241.00 | 5,794,879.00 |
| 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 | 0 | 264,400.00 | 383,000.00 | 0 | 500,000.00 | 500,000.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 160,277.00 | 285,404.00 | 0 | 0 | 403,985.00 | 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 | 904,064.00 | 888,212.00 | 881,515.00 | 863,527.00 | 874,514.00 | 847,580.00 | 853,261.00 | 826,082.00 | 797,893.00 | 821,449.00 | 854,432.00 | 827,151.00 | 820,439.00 |
| Shareholders Equity | 904,064.00 | 888,212.00 | 881,515.00 | 863,527.00 | 874,514.00 | 847,580.00 | 853,261.00 | 826,082.00 | 797,893.00 | 821,449.00 | 854,432.00 | 827,151.00 | 820,439.00 |
| Capital Stock | 529,949.00 | 528,758.00 | 532,124.00 | 531,674.00 | 534,917.00 | 544,636.00 | 549,748.00 | 550,869.00 | 552,397.00 | 550,096.00 | 551,798.00 | 571,204.00 | 571,021.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 407,561.00 | 396,643.00 | 392,737.00 | 387,097.00 | 383,127.00 | 373,629.00 | 375,989.00 | 358,010.00 | 345,346.00 | 305,581.00 | 293,238.00 | 242,486.00 | 224,400.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -33,446.00 | -37,189.00 | -43,346.00 | -55,244.00 | -43,530.00 | -70,685.00 | -72,476.00 | -82,797.00 | -99,850.00 | -34,228.00 | 9,396.00 | 13,461.00 | 25,018.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 716,342.00 | 764,394.00 | 0 | 996,510.00 | 1,873,795.00 | 2,078,235.00 | 8,246,536.00 | 6,745,452.00 | 6,371,118.00 | 5,489,427.00 | 802,163.00 |
| Debt | 160,277.00 | 285,404.00 | 286,531.00 | 405,058.00 | 403,985.00 | 521,838.00 | 521,765.00 | 21,546.00 | 21,473.00 | 21,253.00 | 21,180.00 | 20,960.00 | 20,887.00 |
| Net Debt | 0 | 31,308.00 | 37,871.00 | 287,958.00 | 228,413.00 | 332,191.00 | 296,792.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 33,956.74 | 33,953.19 | 34,105.52 | 33,990.83 | 34,153.54 | 34,689.84 | 34,906.23 | 35,108.12 | 35,106.70 | 35,102.37 | 35,105.78 | 35,981.32 | 35,912.24 |
| 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 | 65,696.00 | 56,500.00 | 2,975.00 | 54,795.00 | 2,788.00 | 2,000.00 | 2,441.00 | 0 |
| Cost Of Revenue | 0 | 0 | 1,169.00 | 0 | 92.00 | 1,825.00 | 3,577.00 | 7,199.00 |
| Interest Income | 79,508.00 | 78,500.00 | 77,366.00 | 79,817.00 | 74,353.00 | 67,637.00 | 49,300.00 | 54,366.00 |
| Interest Expense | 22,137.00 | 23,517.00 | 23,676.00 | 26,859.00 | 22,823.00 | 6,823.00 | 1,650.00 | 1,953.00 |
| Net Interest | 0 | 0 | 53,690.00 | 0 | 51,530.00 | 59,842.00 | 46,944.00 | 52,238.00 |
| Non-Interest Income | 0 | 0 | 3,903.00 | 0 | -2,900.00 | 8,258.00 | 8,538.00 | 8,251.00 |
| Non-Interest Expense | 41,331.00 | 40,783.00 | -41,383.00 | 38,891.00 | -40,370.00 | -41,605.00 | -35,720.00 | -37,242.00 |
| Provisions for Credit Losses | 0 | 0 | -51.00 | 0 | -1,392.00 | 1,825.00 | -3,577.00 | -7,199.00 |
| Gross Profit | 0 | 0 | 1,806.00 | 0 | 2,696.00 | 175.00 | -1,136.00 | 0 |
| Selling, General and Administrative Expenses | 27,162.00 | 26,613.00 | 9,892.00 | 25,319.00 | 9,247.00 | 11,272.00 | 10,153.00 | 10,266.00 |
| EBT | 22,306.00 | 14,459.00 | 16,159.00 | 13,066.00 | 6,868.00 | 24,670.00 | 23,339.00 | 30,446.00 |
| Income Tax | 3,137.00 | 2,244.00 | 2,248.00 | 1,643.00 | 1,120.00 | 4,213.00 | 3,582.00 | 5,102.00 |
| Net Income Including Non-Controlling Interests | 19,169.00 | 12,215.00 | 0 | 11,423.00 | 0 | 0 | 0 | 0 |
| Net Income | 19,169.00 | 12,215.00 | 13,911.00 | 11,423.00 | 5,748.00 | 20,457.00 | 19,757.00 | 25,344.00 |
| EBIT | 0 | 0 | 39,835.00 | 0 | 29,691.00 | 31,493.00 | 24,989.00 | 32,399.00 |
| Deprecation and Amortization | 325.00 | 492.00 | 750.00 | 475.00 | 975.00 | 1,430.00 | 868.00 | 5,999.00 |
| EBITDA | 0 | 0 | 40,585.00 | 0 | 30,666.00 | 32,923.00 | 25,857.00 | 38,398.00 |
| 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 | 33,953.81 | 34,028.59 | 34,012.49 | 34,322.07 | 34,825.47 | 35,108.39 | 35,094.72 | 35,926.95 |
| Average Shares Outstanding Diluted | 34,413.39 | 34,446.71 | 34,506.24 | 34,658.67 | 35,227.14 | 35,445.34 | 35,412.10 | 36,232.20 |
| 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 | 25,067.00 | 22,514.00 | 19,253.00 | 24,174.00 | 12,899.00 | 23,397.00 | 10,928.00 | 9,081.00 |
| Operating Net Income | 19,169.00 | 12,215.00 | 13,911.00 | 11,423.00 | 5,748.00 | 20,457.00 | 19,757.00 | 25,344.00 |
| Deprecation and Amortization | 325.00 | 492.00 | 750.00 | 475.00 | 975.00 | 1,430.00 | -868.00 | -5,999.00 |
| Deferred Income Tax | 18.00 | 128.00 | 767.00 | 26.00 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 1,215.00 | 1,245.00 | 1,288.00 | 1,153.00 | 1,006.00 | 0 | 0 | 0 |
| Change in Working Capital | 0 | 0 | -483.00 | 0 | -5,275.00 | 0 | 0 | 0 |
| Other Operating Activities | 4,340.00 | 8,434.00 | 3,020.00 | 11,097.00 | 10,445.00 | 1,510.00 | -7,961.00 | -10,264.00 |
| Investing Cash Flow | 26,650.00 | 57,847.00 | 79,181.00 | -21,752.00 | 33,466.00 | -55,002.00 | -242,914.00 | -232,745.00 |
| Capital Expenditure | 0 | 0 | -1,172.00 | 0 | -893.00 | -4,653.00 | -724.00 | -475.00 |
| Net Purchase/Sale of PPE | -678.00 | -1,557.00 | -1,161.00 | -941.00 | -893.00 | -4,651.00 | -724.00 | -475.00 |
| Net Purchase/Sale of Investments Net | 38,472.00 | 69,075.00 | 65,540.00 | 114,373.00 | 135,556.00 | 40,638.00 | -241,287.00 | -102,115.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -464,585.00 | -280,664.00 | -225,149.00 | 699,107.00 | -692,720.00 | |||
| Other Investing Activities | 0 | 0 | -21,908.00 | 0 | -8,831.00 | -86,336.00 | -179.00 | -129,680.00 |
| Financing Cash Flow | -60,322.00 | -74,925.00 | 33,126.00 | 59,393.00 | -81,691.00 | 229,496.00 | 85,416.00 | 414,658.00 |
| Net Issuance/Repayment of Debt | -125,200.00 | -1,200.00 | -118,600.00 | -118,000.00 | -15,000.00 | -339,436.00 | 0 | -10.00 |
| Net Issuance/Repurchase of Equity | -24.00 | -4,611.00 | 838.00 | -7,530.00 | 6,118.00 | 2,627.00 | 2,652.00 | 687.00 |
| Dividends Paid | -8,149.00 | -8,192.00 | 8,158.00 | -7,917.00 | 8,028.00 | 7,723.00 | 7,372.00 | 7,183.00 |
| Other Financing Activities | 73,051.00 | -60,922.00 | 142,730.00 | 192,840.00 | -80,837.00 | 558,582.00 | 75,392.00 | 406,798.00 |
| Net Change in Cash | -8,605.00 | 5,436.00 | 131,560.00 | 61,815.00 | -35,326.00 | 197,891.00 | -146,570.00 | 190,994.00 |
| Cash at Beginning of Period | 254,096.00 | 248,660.00 | 117,100.00 | 113,757.00 | 224,973.00 | 103,590.00 | 1,723,292.00 | 743,322.00 |
| Cash at End of Period | 245,491.00 | 254,096.00 | 248,660.00 | 175,572.00 | 189,647.00 | 301,481.00 | 1,576,722.00 | 934,316.00 |
| Free Cash Flow | 24,389.00 | 20,916.00 | 18,081.00 | 23,233.00 | 12,006.00 | 18,744.00 | 10,204.00 | 8,606.00 |