HNVR
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|
| Price to Earnings | 13.81 | 8.74 | 5.11 | |
| Price to Sales | 351.98 | 130.61 | ||
| Book Value Per Common Share | 82.29 | 77.60 | 70.98 | 66.12 |
| Price to Book | 0.28 | 0.23 | 0.27 | |
| Price to Operating Cash Flow | 17.25 | 6.43 | 4.62 | |
| Price to Free Cash Flow | ||||
| Enterprise Value to EBITDA | 16615.06 | 16986.50 | 32059.19 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 22.45 | 43.19 | 109.65 | 15.69 | 24.63 | 26.95 | 11.11 | 15.38 | 27.93 | 6.88 | ||||||||
| Price to Sales | ||||||||||||||||||
| Book Value Per Common Share | 56.02 | 54.89 | 54.21 | 82.29 | 53.48 | 53.15 | 52.16 | 77.60 | 50.70 | 50.15 | 49.59 | 70.98 | 45.84 | 46.23 | 102.24 | 66.12 | 20.75 | 19.61 |
| Price to Book | 0.40 | 0.42 | 0.40 | 0.28 | 0.33 | 0.31 | 0.28 | 0.23 | 0.35 | 0.36 | 0.41 | 0.27 | 0.45 | |||||
| Price to Operating Cash Flow | 34.02 | 81.29 | 38.51 | 28.09 | 54.15 | 29.35 | 8.06 | 16.84 | 23.52 | 7.84 | ||||||||
| Price to Free Cash Flow | ||||||||||||||||||
| Enterprise Value to EBITDA | 24840.17 | 39605.50 | 77355.30 | 17313.18 | 24877.87 | 41930.35 | 24889.78 | 42002.06 | 98492.82 | 47834.90 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|
| Earning YoY | -19.32 | -44.65 | 61.21 | |
| Revenue YoY | -51.90 | |||
| EBITDA YoY | 29.96 | 75.74 | 66.27 | |
| Net Profit YoY | -18.58 | -35.63 | 117.09 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 88.68 | 165.00 | 70.15 | 21.82 | 35.90 | 60.27 | 35.62 | 85.59 | 35.63 | 2.35 | ||||||||
| Revenue YoY | ||||||||||||||||||
| EBITDA YoY | 55.69 | 103.74 | 56.37 | 84.66 | 65.79 | 107.86 | 40.52 | 86.68 | -0.44 | 30.20 | ||||||||
| Net Profit YoY | 88.07 | 160.62 | 72.15 | 20.78 | 36.20 | 60.12 | 43.02 | 89.64 | 72.25 | 6.18 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|
| Cash Per Common Share | 45.61 | 54.82 | 49.50 | 71.46 |
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 5.44 | 5.35 | 4.90 | 5.66 |
| 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 | 2023-09-30 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 23.04 | 22.58 | 22.18 | 45.65 | 19.70 | 19.72 | 19.17 | 53.83 | 29.92 | 29.15 | 21.73 | 41.20 | 20.31 | 22.10 | 20.66 | 59.97 | 39.13 | 18.52 |
| Quick Ratio | ||||||||||||||||||
| Current Ratio | ||||||||||||||||||
| Debt to Equity | 10.55 | 10.62 | 10.65 | 5.44 | 11.10 | 11.26 | 11.17 | 5.35 | 10.61 | 10.48 | 10.17 | 4.90 | 8.62 | 9.96 | 10.27 | 5.66 | 12.38 | 9.83 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|
| ROA | 0.49 | 0.64 | 1.16 | 0.66 |
| ROE | 3.14 | 4.08 | 6.82 | 4.43 |
| Gross Margin | -953.30 | -252.00 | ||
| Operating Margin | 20534.97 | 7388.92 | ||
| EBITDA Margin | 21158.42 | 7831.18 | ||
| Net Profit Margin | 2632.41 | 1555.28 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.32 | 0.17 | 0.07 | 0.36 | 0.21 | 0.18 | 0.55 | 0.41 | 0.27 | 1.10 | 0.84 | 0.45 | 0.25 | 0.40 | ||||
| ROE | 3.69 | 1.99 | 0.77 | 4.39 | 2.58 | 2.14 | 6.37 | 4.73 | 3.01 | 10.59 | 9.20 | 5.05 | 3.29 | 4.35 | ||||
| Gross Margin | ||||||||||||||||||
| Operating Margin | ||||||||||||||||||
| EBITDA Margin | ||||||||||||||||||
| Net Profit Margin |
Dividends
| Breakdown | 2024-12-31 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|
| 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 | 2023-09-30 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | ||||||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|
| Assets | 2,533,743.00 | 2,360,663.00 | 2,037,793.00 | 1,632,494.00 |
| Deposits | 2,165,939.00 | 1,920,801.00 | 1,747,331.00 | 1,356,199.00 |
| Cash and Short-Term Investments | 326,496.00 | 385,977.00 | 300,198.00 | 333,659.00 |
| Cash and Cash Equivalents | 326,496.00 | 385,977.00 | 300,198.00 | 333,659.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 |
| Net Receivables | 24,253.00 | 9,398,132.00 | 8,139,095.00 | 4,818,951.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 23,674.00 | 26,250.00 | 14,462.00 | 15,003.00 |
| Goodwill | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 |
| Intangible Assets | 250.00 | 327.00 | 399.00 | 480.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 1,569.00 | 1,509.00 | 2,508.00 | 3,558.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 2,140,467.00 | 1,988,849.00 | 1,692,625.00 | 1,387,436.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 107,805.00 | 183,949.00 | 110,752.00 | 277,342.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 393,276.00 | 371,814.00 | 345,168.00 | 245,058.00 |
| Shareholders Equity | 588,580.00 | 556,399.00 | 517,132.00 | 367,843.00 |
| Capital Stock | 5,113.00 | 3,035.00 | 73.00 | 56.00 |
| Share Premium | 124,937.00 | 125,501.00 | 126,656.00 | 97,246.00 |
| Retained Earnings | 67,922.00 | 58,693.00 | 46,475.00 | 24,971.00 |
| Treasury Shares | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -1,334.00 | -1,322.00 | -620.00 | 256.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Investments | 45,586.00 | 7,567,017.00 | 6,570,591.00 | 3,602,121.00 |
| Debt | 166,208.00 | 244,090.00 | 159,888.00 | 326,368.00 |
| Common Shares Outstanding | 7,152.13 | 7,170.42 | 7,285.65 | 5,563.43 |
| Preferred Shares Outstanding | 275.00 | 150.00 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|
| Revenues | 469.00 | 975.00 | 0 | 0 |
| Cost Of Revenue | 4,940.00 | 3,432.00 | 4,450.00 | 1,000.00 |
| Interest Income | 137,083.00 | 111,720.00 | 69,369.00 | 49,664.00 |
| Interest Expense | 79,930.00 | 51,855.00 | 8,506.00 | 8,328.00 |
| Net Interest | 53,092.00 | 54,492.00 | 61,254.00 | 41,708.00 |
| Non-Interest Income | 15,339.00 | 8,848.00 | 8,872.00 | 3,349.00 |
| Non-Interest Expense | 47,243.00 | 39,562.00 | 35,163.00 | 30,005.00 |
| Provisions for Credit Losses | 4,940.00 | 3,432.00 | 4,450.00 | 1,000.00 |
| Gross Profit | -4,471.00 | -2,457.00 | 0 | 0 |
| Selling, General and Administrative Expenses | 5,175.00 | 5,096.00 | 4,545.00 | 3,104.00 |
| EBT | 16,379.00 | 20,187.00 | 29,546.00 | 12,691.00 |
| Income Tax | 3,790.00 | 4,791.00 | 6,662.00 | 2,954.00 |
| Net Income | 12,346.00 | 15,164.00 | 23,556.00 | 10,851.00 |
| EBIT | 96,309.00 | 72,042.00 | 38,052.00 | 21,019.00 |
| Deprecation and Amortization | 2,924.00 | 4,312.00 | 5,395.00 | 5,112.00 |
| EBITDA | 99,233.00 | 76,354.00 | 43,447.00 | 26,131.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 7,158.16 | 7,040.83 | 6,065.07 | 4,669.01 |
| Average Shares Outstanding Diluted | 7,187.14 | 7,120.95 | 6,158.05 | 4,758.67 |
| Breakdown | 2024-12-31 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|
| Operating Cash Flow | 9,568.00 | 19,819.00 | 25,091.00 | 12,681.00 |
| Operating Net Income | 37,038.00 | 45,492.00 | 70,668.00 | 32,744.00 |
| Deprecation and Amortization | 2,924.00 | 4,312.00 | 5,395.00 | 5,112.00 |
| Deferred Income Tax | 689.00 | 1,395.00 | 1,790.00 | 11.00 |
| Share Based Compensation | 1,587.00 | 1,871.00 | 1,684.00 | 901.00 |
| Change in Working Capital | 10,368.00 | 2,491.00 | -3,512.00 | -2,510.00 |
| Other Operating Activities | -43,038.00 | -35,742.00 | -50,934.00 | -23,577.00 |
| Investing Cash Flow | -45,817.00 | -256,360.00 | -400,146.00 | 80,850.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 1,292.00 | 3,407.00 | 1,122.00 | 2,079.00 |
| Net Purchase/Sale of Investments Net | 1,223,874.00 | 4,619.00 | 26,329.00 | 12,517.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 92,146.00 |
| Net Loan & Lease Activity | 190,831.00 | 299,397.00 | 454,509.00 | -16,996.00 |
| Other Investing Activities | -1,461,814.00 | -563,783.00 | -882,106.00 | -8,896.00 |
| Financing Cash Flow | 22,342.00 | 279,643.00 | 358,191.00 | -7,139.00 |
| Net Issuance/Repayment of Debt | 61,148.00 | 111,293.00 | 207,710.00 | 262,910.00 |
| Net Issuance/Repurchase of Equity | 103.00 | 106.00 | 27,771.00 | 113.00 |
| Dividends Paid | 2,960.00 | 2,929.00 | 2,052.00 | 0 |
| Other Financing Activities | -41,869.00 | 165,315.00 | 120,658.00 | -270,162.00 |
| Net Change in Cash | -13,907.00 | 43,102.00 | -16,864.00 | 86,392.00 |
| Cash at Beginning of Period | 176,764.00 | 149,522.00 | 166,811.00 | 80,152.00 |
| Cash at End of Period | 162,857.00 | 192,624.00 | 149,947.00 | 166,544.00 |
| Free Cash Flow | 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 | 2023-09-30 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 2,331,580.00 | 2,311,976.00 | 2,291,527.00 | 2,533,743.00 | 2,327,814.00 | 2,331,098.00 | 2,307,508.00 | 2,360,663.00 | 2,121,783.00 | 2,071,720.00 | 1,983,692.00 | 2,037,793.00 | 1,609,757.00 | 1,476,681.00 | 1,458,180.00 | 1,632,494.00 | 1,541,443.00 | 890,432.00 |
| Deposits | 2,207,807.00 | 2,194,945.00 | 2,152,007.00 | 2,165,939.00 | 2,163,871.00 | 2,141,764.00 | 2,120,196.00 | 1,920,801.00 | 1,773,942.00 | 1,885,866.00 | 1,717,206.00 | 1,747,331.00 | 1,569,906.00 | 1,427,360.00 | 1,367,475.00 | 1,356,199.00 | 1,858,155.00 | 1,131,176.00 |
| Cash and Short-Term Investments | 167,569.00 | 164,535.00 | 160,234.00 | 326,496.00 | 141,231.00 | 141,115.00 | 136,481.00 | 385,977.00 | 211,533.00 | 204,355.00 | 152,298.00 | 300,198.00 | 133,974.00 | 127,140.00 | 114,951.00 | 333,659.00 | 170,934.00 | 77,529.00 |
| Cash and Cash Equivalents | 167,569.00 | 164,535.00 | 160,234.00 | 326,496.00 | 141,231.00 | 141,115.00 | 136,481.00 | 385,977.00 | 211,533.00 | 204,355.00 | 152,298.00 | 300,198.00 | 133,974.00 | 127,140.00 | 114,951.00 | 333,659.00 | 170,934.00 | 77,529.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 20,676.00 | 22,258.00 | 28,332.00 | 24,253.00 | 29,243.00 | 24,093.00 | 20,020.00 | 9,398,132.00 | 9,143,073.00 | 8,961,904.00 | 8,758,034.00 | 8,139,095.00 | 4,265,860.00 | 3,884,903.00 | 3,850,546.00 | 4,818,951.00 | 6,484,432.00 | 6,490.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 24,924.00 | 25,278.00 | 22,995.00 | 23,674.00 | 25,149.00 | 25,751.00 | 24,984.00 | 26,250.00 | 26,858.00 | 26,700.00 | 26,295.00 | 14,462.00 | 14,691.00 | 14,833.00 | 14,895.00 | 15,003.00 | 14,606.00 | 14,328.00 |
| Goodwill | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 19,168.00 | 18,100.00 | 1,710.00 |
| Intangible Assets | 0 | 0 | 0 | 250.00 | 0 | 0 | 0 | 327.00 | 0 | 0 | 0 | 399.00 | 0 | 0 | 0 | 480.00 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 1,396.00 | 1,524.00 | 1,572.00 | 1,569.00 | 2,372.00 | 2,206.00 | 2,184.00 | 1,509.00 | 1,934.00 | 2,192.00 | 2,574.00 | 2,508.00 | 2,473.00 | 2,676.00 | 3,025.00 | 3,558.00 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 2,129,747.00 | 2,113,091.00 | 2,094,884.00 | 2,140,467.00 | 2,135,475.00 | 2,141,026.00 | 2,117,965.00 | 1,988,849.00 | 1,938,977.00 | 1,891,198.00 | 1,806,064.00 | 1,692,625.00 | 1,442,366.00 | 1,341,913.00 | 1,328,801.00 | 1,387,436.00 | 1,426,205.00 | 808,187.00 |
| Payables and Expenses | 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 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 100,725.00 | 107,805.00 | 107,805.00 | 107,805.00 | 125,805.00 | 151,253.00 | 151,253.00 | 183,949.00 | 617,949.00 | 142,962.00 | 620,773.00 | 110,752.00 | 75,863.00 | 113,723.00 | 178,574.00 | 277,342.00 | 405,525.00 | 56,417.00 |
| Other Current Liabilities | 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 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 201,833.00 | 198,885.00 | 196,643.00 | 393,276.00 | 192,339.00 | 190,072.00 | 189,543.00 | 371,814.00 | 182,806.00 | 180,522.00 | 177,628.00 | 345,168.00 | 167,391.00 | 134,768.00 | 129,379.00 | 245,058.00 | 115,238.00 | 82,245.00 |
| Shareholders Equity | 402,888.00 | 396,543.00 | 391,890.00 | 588,580.00 | 382,558.00 | 378,817.00 | 377,793.00 | 556,399.00 | 364,203.00 | 360,103.00 | 354,541.00 | 517,132.00 | 334,506.00 | 269,501.00 | 568,758.00 | 367,843.00 | 115,238.00 | 82,245.00 |
| Capital Stock | 5,113.00 | 5,113.00 | 5,113.00 | 5,113.00 | 5,113.00 | 5,112.00 | 3,035.00 | 3,035.00 | 3,035.00 | 3,035.00 | 3,034.00 | 73.00 | 73.00 | 58.00 | 56.00 | 56.00 | 56.00 | 42.00 |
| Share Premium | 124,382.00 | 124,624.00 | 124,242.00 | 124,937.00 | 124,580.00 | 124,316.00 | 125,930.00 | 125,501.00 | 125,276.00 | 124,883.00 | 124,235.00 | 126,656.00 | 126,215.00 | 97,965.00 | 97,505.00 | 97,246.00 | 97,014.00 | 64,283.00 |
| Retained Earnings | 73,116.00 | 70,375.00 | 68,684.00 | 67,922.00 | 64,766.00 | 61,971.00 | 61,871.00 | 58,693.00 | 55,904.00 | 53,545.00 | 51,074.00 | 46,475.00 | 41,379.00 | 36,780.00 | 31,508.00 | 24,971.00 | 17,915.00 | 17,694.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -778.00 | -1,227.00 | -1,396.00 | -1,334.00 | -2,120.00 | -1,327.00 | -1,293.00 | -1,322.00 | -1,409.00 | -941.00 | -715.00 | -620.00 | -276.00 | -35.00 | 310.00 | 256.00 | 253.00 | 226.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 33,709.00 | 49,167.00 | 44,301.00 | 45,586.00 | 51,678.00 | 38,400.00 | 46,730.00 | 7,567,017.00 | 7,363,922.00 | 7,223,394.00 | 7,062,803.00 | 6,570,591.00 | 2,878,781.00 | 2,617,319.00 | 2,607,050.00 | 3,602,121.00 | 5,238,894.00 | 67,415.00 |
| Debt | 136,526.00 | 144,086.00 | 141,651.00 | 166,208.00 | 159,952.00 | 185,826.00 | 185,940.00 | 244,090.00 | 653,866.00 | 179,267.00 | 657,417.00 | 159,888.00 | 100,417.00 | 138,264.00 | 203,078.00 | 326,368.00 | 430,023.00 | 80,899.00 |
| Net Debt | 0 | 0 | 0 | 0 | 18,721.00 | 44,711.00 | 49,459.00 | 0 | 442,333.00 | 0 | 505,119.00 | 0 | 0 | 11,124.00 | 88,127.00 | 0 | 259,089.00 | 3,370.00 |
| Common Shares Outstanding | 7,192.39 | 7,224.24 | 7,228.73 | 7,152.13 | 7,153.37 | 7,127.16 | 7,242.41 | 7,170.42 | 7,184.12 | 7,181.09 | 7,149.00 | 7,285.65 | 7,296.62 | 5,829.57 | 5,562.80 | 5,563.43 | 5,552.46 | 4,194.89 |
| Preferred Shares Outstanding | 275.00 | 275.00 | 275.00 | 275.00 | 275.00 | 275.00 | 150.00 | 150.00 | 0 | 0 | 0 | 0 | 0 | 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 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 0 | 0 | 0 | 469.00 | 0 | 0 | 0 | 975.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cost Of Revenue | 4,282.00 | 2,957.00 | 600.00 | -4,240.00 | 4,540.00 | 4,340.00 | 300.00 | -3,432.00 | 2,932.00 | 2,432.00 | 1,500.00 | -250.00 | 2,400.00 | 1,400.00 | 900.00 | 300.00 | 0 |
| Interest Income | 101,817.00 | 67,384.00 | 34,504.00 | -67,542.00 | 103,103.00 | 67,852.00 | 33,670.00 | -40,240.00 | 80,073.00 | 48,934.00 | 22,953.00 | -29,353.00 | 49,302.00 | 32,724.00 | 16,696.00 | 31,118.00 | 19,008.00 |
| Interest Expense | 53,233.00 | 35,462.00 | 18,208.00 | -39,918.00 | 60,681.00 | 39,670.00 | 19,497.00 | -7,295.00 | 33,398.00 | 18,444.00 | 7,308.00 | 632.00 | 3,983.00 | 2,544.00 | 1,347.00 | 5,338.00 | 3,748.00 |
| Net Interest | 44,647.00 | 29,424.00 | 14,629.00 | -25,309.00 | 39,284.00 | 26,182.00 | 12,935.00 | -32,653.00 | 42,693.00 | 29,188.00 | 15,264.00 | -28,861.00 | 44,833.00 | 30,013.00 | 15,269.00 | 25,577.00 | 15,129.00 |
| Non-Interest Income | 10,078.00 | 7,293.00 | 3,732.00 | -6,587.00 | 11,152.00 | 7,198.00 | 3,576.00 | -871.00 | 5,141.00 | 3,167.00 | 1,411.00 | -5,427.00 | 6,876.00 | 5,048.00 | 2,375.00 | 1,628.00 | 978.00 |
| Non-Interest Expense | 40,625.00 | 28,612.00 | 15,996.00 | -20,747.00 | 34,712.00 | 22,474.00 | 10,804.00 | -16,951.00 | 29,404.00 | 18,838.00 | 8,271.00 | -17,075.00 | 26,352.00 | 17,622.00 | 8,264.00 | 22,047.00 | 11,315.00 |
| Provisions for Credit Losses | 4,282.00 | 2,957.00 | 600.00 | -4,240.00 | 4,540.00 | 4,340.00 | 300.00 | -3,432.00 | 2,932.00 | 2,432.00 | 1,500.00 | -250.00 | 2,400.00 | 1,400.00 | 900.00 | 300.00 | 0 |
| Gross Profit | 0 | 0 | 0 | -4,471.00 | 0 | 0 | 0 | -2,457.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 3,811.00 | 2,766.00 | 1,380.00 | -2,566.00 | 3,857.00 | 2,548.00 | 1,336.00 | -3,224.00 | 4,313.00 | 2,756.00 | 1,251.00 | -1,586.00 | 3,149.00 | 2,084.00 | 898.00 | 2,108.00 | 1,302.00 |
| EBT | 9,818.00 | 5,148.00 | 1,765.00 | -6,778.00 | 11,184.00 | 6,566.00 | 5,407.00 | -13,300.00 | 15,498.00 | 11,085.00 | 6,904.00 | -17,930.00 | 22,957.00 | 16,039.00 | 8,480.00 | 4,858.00 | 4,492.00 |
| Income Tax | 2,363.00 | 1,184.00 | 244.00 | -1,957.00 | 2,740.00 | 1,661.00 | 1,346.00 | -3,170.00 | 3,857.00 | 2,538.00 | 1,566.00 | -4,198.00 | 5,251.00 | 3,666.00 | 1,943.00 | 1,063.00 | 918.00 |
| Net Income | 7,455.00 | 3,964.00 | 1,521.00 | -5,064.00 | 8,444.00 | 4,905.00 | 4,061.00 | -10,362.00 | 11,641.00 | 8,547.00 | 5,338.00 | -13,108.00 | 17,730.00 | 12,397.00 | 6,537.00 | 3,795.00 | 3,574.00 |
| EBIT | 63,051.00 | 40,610.00 | 19,973.00 | -46,696.00 | 71,865.00 | 46,236.00 | 24,904.00 | -20,595.00 | 48,896.00 | 29,529.00 | 14,212.00 | -17,298.00 | 26,940.00 | 18,583.00 | 9,827.00 | 10,196.00 | 8,240.00 |
| Deprecation and Amortization | 1,951.00 | 1,142.00 | 520.00 | -860.00 | 2,053.00 | 1,036.00 | 695.00 | 350.00 | 2,124.00 | 1,245.00 | 593.00 | -4,505.00 | 4,238.00 | 3,604.00 | 2,058.00 | 1,742.00 | 929.00 |
| EBITDA | 65,002.00 | 41,752.00 | 20,493.00 | -47,556.00 | 73,918.00 | 47,272.00 | 25,599.00 | -20,245.00 | 51,020.00 | 30,774.00 | 14,805.00 | -21,803.00 | 31,178.00 | 22,187.00 | 11,885.00 | 11,938.00 | 9,169.00 |
| 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 |
| 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 |
| Average Shares Outstanding Basic | 7,274.46 | 7,287.24 | 7,223.61 | 7,189.94 | 7,168.85 | 7,155.38 | 7,118.46 | 7,073.94 | 7,069.89 | 7,010.57 | 7,008.91 | 6,347.32 | 6,596.51 | 5,753.51 | 5,562.94 | 4,368.81 | 4,187.24 |
| Average Shares Outstanding Diluted | 7,280.13 | 7,292.95 | 7,229.56 | 7,186.88 | 7,193.85 | 7,204.68 | 7,163.16 | 7,131.41 | 7,145.41 | 7,103.05 | 7,103.91 | 6,428.35 | 6,695.57 | 5,849.84 | 5,658.43 | 4,452.94 | 4,252.28 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 4,801.00 | 2,052.00 | 4,113.00 | -772.00 | 4,565.00 | 2,180.00 | 3,595.00 | -9,246.00 | 15,495.00 | 7,495.00 | 6,075.00 | -8,282.00 | 17,208.00 | 9,706.00 | 6,459.00 | 6,983.00 | 2,491.00 |
| Operating Net Income | 7,455.00 | 3,964.00 | 1,521.00 | 19,628.00 | 8,444.00 | 4,905.00 | 4,061.00 | 19,966.00 | 11,641.00 | 8,547.00 | 5,338.00 | 34,004.00 | 17,730.00 | 12,397.00 | 6,537.00 | 3,795.00 | 3,574.00 |
| Deprecation and Amortization | 1,951.00 | 1,142.00 | 520.00 | -860.00 | 2,053.00 | 1,036.00 | 695.00 | 350.00 | 2,124.00 | 1,245.00 | 593.00 | -4,505.00 | 4,238.00 | 3,604.00 | 2,058.00 | 1,742.00 | 929.00 |
| Deferred Income Tax | 0 | 0 | 0 | 689.00 | 0 | 0 | 0 | 1,395.00 | 0 | 0 | 0 | 1,790.00 | 0 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 1,209.00 | 886.00 | 494.00 | -775.00 | 1,199.00 | 782.00 | 381.00 | -1,435.00 | 1,634.00 | 1,233.00 | 439.00 | -455.00 | 1,243.00 | 679.00 | 217.00 | 669.00 | 445.00 |
| Change in Working Capital | -2,306.00 | -3,957.00 | -8,868.00 | 2,892.00 | 5,474.00 | 1,843.00 | 159.00 | -6,180.00 | 5,651.00 | 479.00 | 2,541.00 | 5,052.00 | -5,079.00 | -3,997.00 | 512.00 | -1,988.00 | 2,529.00 |
| Other Operating Activities | -3,508.00 | 17.00 | 10,446.00 | -22,346.00 | -12,605.00 | -6,386.00 | -1,701.00 | -23,342.00 | -5,555.00 | -4,009.00 | -2,836.00 | -44,168.00 | -924.00 | -2,977.00 | -2,865.00 | 2,765.00 | -4,986.00 |
| Investing Cash Flow | -9,543.00 | 5,323.00 | 13,045.00 | 212,819.00 | -88,271.00 | -94,188.00 | -76,177.00 | 249,061.00 | -209,753.00 | -166,308.00 | -129,360.00 | -185,470.00 | -159,408.00 | -31,060.00 | -24,208.00 | 37,154.00 | -39,426.00 |
| 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 |
| Net Purchase/Sale of PPE | 935.00 | 318.00 | 228.00 | -2,849.00 | 2,081.00 | 1,752.00 | 308.00 | -2,609.00 | 3,091.00 | 2,080.00 | 845.00 | -747.00 | 931.00 | 649.00 | 289.00 | 1,299.00 | 870.00 |
| Net Purchase/Sale of Investments Net | 220,255.00 | 178,245.00 | 157,237.00 | -1,006,534.00 | 1,080,046.00 | 759,284.00 | 391,078.00 | -255,745.00 | 171,767.00 | 65,287.00 | 23,310.00 | 188.00 | 11,475.00 | 8,797.00 | 5,869.00 | 11,482.00 | 10,029.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 92,146.00 | 0 |
| Net Loan & Lease Activity | 190,831.00 | 299,397.00 | 454,509.00 | -16,996.00 | |||||||||||||
| Other Investing Activities | -313,710.00 | -209,892.00 | -167,237.00 | 1,388,177.00 | -1,331,332.00 | -975,650.00 | -543,009.00 | 757,828.00 | -618,088.00 | -418,698.00 | -284,825.00 | -255,977.00 | -399,521.00 | -131,912.00 | -94,696.00 | -88,953.00 | -107,351.00 |
| Financing Cash Flow | 9,454.00 | -5,697.00 | -19,781.00 | -113,160.00 | 47,730.00 | 55,916.00 | 31,856.00 | -315,058.00 | 255,844.00 | 213,221.00 | 125,636.00 | 300,455.00 | 109,630.00 | -18,050.00 | -33,844.00 | 46,588.00 | 34,255.00 |
| Net Issuance/Repayment of Debt | 7,080.00 | 0 | 0 | -118,000.00 | 79,148.00 | 70,000.00 | 30,000.00 | -685,614.00 | 219,293.00 | 440,180.00 | 137,434.00 | -144,886.00 | 142,544.00 | 123,729.00 | 86,323.00 | 154,517.00 | 68,192.00 |
| Net Issuance/Repurchase of Equity | 546.00 | 0 | 0 | -70.00 | 103.00 | 70.00 | 0 | -212.00 | 106.00 | 106.00 | 106.00 | -84.00 | 27,771.00 | 42.00 | 42.00 | 113.00 | 113.00 |
| Dividends Paid | 2,247.00 | 1,499.00 | 749.00 | -1,472.00 | 2,218.00 | 1,477.00 | 737.00 | -1,459.00 | 2,196.00 | 1,463.00 | 729.00 | 142.00 | 1,322.00 | 588.00 | 0 | 0 | 0 |
| Other Financing Activities | -419.00 | -7,196.00 | -20,530.00 | 6,382.00 | -33,739.00 | -15,631.00 | 1,119.00 | 372,227.00 | 34,249.00 | -228,528.00 | -12,633.00 | 445,283.00 | -62,007.00 | -142,409.00 | -120,209.00 | -108,042.00 | -34,050.00 |
| Net Change in Cash | 4,712.00 | 1,678.00 | -2,623.00 | 98,887.00 | -35,976.00 | -36,092.00 | -40,726.00 | -75,243.00 | 61,586.00 | 54,408.00 | 2,351.00 | 106,703.00 | -32,570.00 | -39,404.00 | -51,593.00 | 90,725.00 | -2,680.00 |
| Cash at Beginning of Period | 162,857.00 | 162,857.00 | 162,857.00 | 63,970.00 | 177,207.00 | 177,207.00 | 177,207.00 | 267,867.00 | 149,947.00 | 149,947.00 | 149,947.00 | 43,244.00 | 166,544.00 | 166,544.00 | 166,544.00 | 80,209.00 | 80,209.00 |
| Cash at End of Period | 167,569.00 | 164,535.00 | 160,234.00 | 162,857.00 | 141,231.00 | 141,115.00 | 136,481.00 | 192,624.00 | 211,533.00 | 204,355.00 | 152,298.00 | 149,947.00 | 133,974.00 | 127,140.00 | 114,951.00 | 170,934.00 | 77,529.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |