HWC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 10.32 | 10.77 | 8.07 | 9.56 | |
| Price to Sales | 51.86 | 48.65 | 47.51 | 53.59 | |
| Book Value Per Common Share | 143.78 | 132.16 | 116.68 | 126.93 | 118.96 |
| Price to Book | 0.38 | 0.37 | 0.41 | 0.39 | |
| Price to Operating Cash Flow | 5.54 | 6.04 | 4.02 | 5.82 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 38550.80 | 39788.96 | 53984.06 | 68961.59 |
| 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 | 14.91 | 21.26 | 38.01 | 13.15 | 18.68 | 36.83 | 9.41 | 13.66 | 25.10 | 10.53 | 15.89 | 37.25 | 12.84 | 20.11 | 34.72 | |||||
| Price to Sales | 72.74 | 101.85 | 187.19 | 65.36 | 92.96 | 179.14 | 49.46 | 78.42 | 151.10 | 60.30 | 90.58 | 208.52 | 68.53 | 99.91 | 190.35 | |||||
| Book Value Per Common Share | 100.72 | 96.79 | 93.48 | 143.78 | 48.47 | 45.40 | 44.49 | 132.16 | 40.64 | 41.27 | 41.03 | 116.68 | 37.12 | 39.08 | 39.91 | 126.93 | 41.81 | 41.03 | 39.38 | 118.96 |
| Price to Book | 0.62 | 0.59 | 0.56 | 0.38 | 1.06 | 1.05 | 1.03 | 0.37 | 0.91 | 0.93 | 0.89 | 0.41 | 1.23 | 1.13 | 1.31 | 0.39 | 1.13 | 1.08 | 1.07 | |
| Price to Operating Cash Flow | 13.77 | 21.42 | 43.34 | 10.19 | 15.23 | 23.90 | 7.91 | 15.38 | 36.45 | 5.85 | 7.86 | 16.11 | 7.70 | 10.49 | 14.29 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 62187.06 | 87850.70 | 160531.02 | 48154.08 | 68247.49 | 134675.58 | 39139.40 | 61367.02 | 124037.70 | 75396.23 | 116259.62 | 276205.98 | 91601.53 | 139864.21 | 240746.70 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 17.52 | -24.83 | 14.72 | ||
| Revenue YoY | 5.91 | -1.87 | 8.18 | 5.70 | |
| EBITDA YoY | 15.93 | 36.87 | 22.44 | 3506.41 | |
| Net Profit YoY | 17.37 | -25.09 | 13.14 |
| 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 | 55.56 | 95.65 | 51.95 | 104.80 | 39.86 | 93.79 | 55.91 | 99.29 | 66.06 | 82.64 | ||||||||||
| Revenue YoY | 52.13 | 100.57 | 51.99 | 100.16 | 52.87 | 103.24 | 54.83 | 95.01 | 54.61 | 101.62 | ||||||||||
| EBITDA YoY | 52.94 | 98.40 | 51.24 | 104.38 | 51.15 | 113.24 | 59.31 | 100.21 | 61.85 | 82.23 | ||||||||||
| Net Profit YoY | 54.70 | 95.00 | 51.79 | 105.47 | 40.01 | 93.14 | 55.28 | 98.35 | 66.15 | 82.78 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 20.70 | 16.34 | 11.80 | 49.78 | 23.81 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 3.67 | 4.09 | 4.65 | 4.38 | 4.20 |
| 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 | 16.68 | 13.01 | 15.70 | 20.75 | 15.80 | 12.51 | 9.86 | 16.30 | 15.79 | 14.38 | 33.51 | 11.82 | 9.88 | 18.17 | 44.27 | 49.82 | 41.37 | 31.17 | 32.83 | 23.75 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 6.99 | 7.07 | 7.12 | 3.67 | 7.44 | 8.03 | 8.15 | 4.09 | 9.37 | 9.19 | 9.63 | 4.65 | 9.87 | 9.34 | 9.52 | 4.38 | 8.73 | 8.85 | 9.26 | 4.20 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.17 | 0.99 | 1.35 | 1.15 | -0.12 |
| ROE | 5.47 | 5.05 | 7.65 | 6.17 | -0.63 |
| Gross Margin | -123.81 | ||||
| Operating Margin | 1300.74 | 1177.66 | 851.28 | 761.53 | -12.11 |
| EBITDA Margin | 1341.82 | 1225.85 | 878.84 | 776.50 | 22.76 |
| Net Profit Margin | 505.81 | 456.41 | 597.85 | 571.64 | -58.93 |
| 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 | 1.01 | 0.66 | 0.34 | 0.96 | 0.63 | 0.31 | 0.94 | 0.67 | 0.34 | 1.10 | 0.71 | 0.34 | 0.92 | 0.56 | 0.31 | |||||
| ROE | 8.06 | 5.34 | 2.79 | 8.11 | 5.69 | 2.82 | 9.77 | 6.87 | 3.58 | 11.96 | 7.31 | 3.58 | 8.97 | 5.50 | 3.14 | |||||
| Gross Margin | -94.38 | -96.07 | -55.69 | -116.87 | -65.33 | |||||||||||||||
| Operating Margin | 1133.78 | 1126.19 | 1138.48 | 1321.05 | 1327.28 | 1298.82 | 1232.40 | 1246.07 | 1187.34 | 788.74 | 771.27 | 751.16 | 741.84 | 706.54 | 781.95 | |||||
| EBITDA Margin | 1158.92 | 1152.82 | 1165.43 | 1352.86 | 1359.62 | 1331.56 | 1264.77 | 1279.10 | 1219.08 | 795.61 | 773.26 | 753.15 | 748.25 | 714.81 | 790.88 | |||||
| Net Profit Margin | 489.84 | 481.73 | 495.48 | 500.67 | 501.35 | 488.39 | 531.24 | 580.01 | 610.33 | 581.14 | 579.46 | 569.71 | 545.31 | 507.45 | 559.76 |
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 | 39,380,166.00 | 39,551,079.00 | 38,694,325.00 | 40,369,577.00 | 37,390,888.00 |
| Deposits | 29,492,851.00 | 29,690,059.00 | 29,070,349.00 | 30,465,897.00 | 27,697,877.00 |
| Cash and Short-Term Investments | 1,787,318.00 | 1,406,998.00 | 1,015,703.00 | 4,322,113.00 | 2,060,087.00 |
| Cash and Cash Equivalents | 1,787,318.00 | 1,406,998.00 | 1,015,703.00 | 4,322,113.00 | 2,060,087.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 143,237.00 | 157,179.00 | 131,849.00 | 96,938.00 | 104,268.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 378,589.00 | 407,438.00 | 425,489.00 | 452,548.00 | 491,207.00 |
| Goodwill | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 918,822.00 |
| Intangible Assets | 35,224.00 | 44,637.00 | 56,193.00 | 70,226.00 | 86,892.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 146,567.00 | 153,384.00 | 211,418.00 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 30,954,149.00 | 31,774,912.00 | 31,841,197.00 | 32,860,853.00 | 30,199,577.00 |
| 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 | 639,015.00 | 1,154,829.00 | 3,717,542.00 | 1,665,061.00 | 1,667,513.00 |
| 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 | 8,426,017.00 | 7,776,167.00 | 6,853,128.00 | 7,508,724.00 | 7,191,311.00 |
| Shareholders Equity | 12,382,908.00 | 11,410,983.00 | 10,027,884.00 | 11,011,056.00 | 10,317,075.00 |
| Capital Stock | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 |
| Share Premium | 1,719,609.00 | 1,739,671.00 | 1,716,884.00 | 1,755,701.00 | 1,757,937.00 |
| Retained Earnings | 2,704,606.00 | 2,375,604.00 | 2,088,413.00 | 1,659,073.00 | 1,291,506.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -1,212,184.00 | -1,242,254.00 | -1,544,364.00 | -107,870.00 | 80,069.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 22,097,023.00 | 20,171,784.00 | 22,047,868.00 | 20,367,862.00 | 5,649,502.00 |
| Debt | 1,773,511.00 | 2,838,561.00 | 4,242,857.00 | 3,863,085.00 | 4,156,235.00 |
| Net Debt | 0 | 1,431,563.00 | 3,227,154.00 | 0 | 2,096,148.00 |
| Common Shares Outstanding | 86,124.00 | 86,345.00 | 85,941.00 | 86,749.00 | 86,728.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 91,105.00 | 86,020.00 | 87,663.00 | 81,032.00 | 76,659.00 |
| Cost Of Revenue | 203,906.00 | 0 | 0 | 0 | 0 |
| Interest Income | 1,692,991.00 | 1,620,497.00 | 1,137,063.00 | 982,258.00 | 1,057,981.00 |
| Interest Expense | 611,070.00 | 522,898.00 | 87,060.00 | 49,023.00 | 115,458.00 |
| Net Interest | 1,081,921.00 | 1,097,599.00 | 1,050,003.00 | 933,235.00 | 942,523.00 |
| Non-Interest Income | 364,129.00 | 288,480.00 | 331,486.00 | 364,334.00 | 324,428.00 |
| Non-Interest Expense | 819,910.00 | 836,848.00 | 750,692.00 | 807,007.00 | 788,792.00 |
| Gross Profit | -112,801.00 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 217,465.00 | 207,598.00 | 188,774.00 | 195,219.00 | 189,941.00 |
| EBT | 573,973.00 | 490,128.00 | 659,196.00 | 568,056.00 | -124,745.00 |
| Income Tax | 108,703.00 | 93,068.00 | 131,663.00 | 98,762.00 | 88,110.00 |
| Net Income | 460,815.00 | 392,602.00 | 524,089.00 | 463,215.00 | -45,174.00 |
| EBIT | 1,185,043.00 | 1,013,026.00 | 746,256.00 | 617,079.00 | -9,287.00 |
| Deprecation and Amortization | 37,423.00 | 41,449.00 | 24,158.00 | 12,132.00 | 26,734.00 |
| EBITDA | 1,222,466.00 | 1,054,475.00 | 770,414.00 | 629,211.00 | 17,447.00 |
| EPS | 0.01 | 0.00 | 0.01 | 0.01 | -0.00 |
| Diluted EPS | 0.01 | 0.00 | 0.01 | 0.01 | -0.00 |
| Average Shares Outstanding Basic | 86,346.00 | 86,130.00 | 86,068.00 | 86,823.00 | 86,533.00 |
| Average Shares Outstanding Diluted | 86,648.00 | 86,423.00 | 86,394.00 | 87,027.00 | 86,533.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 852,867.00 | 693,342.00 | 1,034,837.00 | 746,577.00 | 426,258.00 |
| Operating Net Income | 0 | 0 | 0 | 0 | 0 |
| Deprecation and Amortization | 37,423.00 | 41,449.00 | 24,158.00 | 12,132.00 | 26,734.00 |
| Deferred Income Tax | 4,299.00 | 13,986.00 | -22,166.00 | 10,376.00 | -20,716.00 |
| Share Based Compensation | 22,703.00 | 24,652.00 | 23,489.00 | 22,442.00 | 21,107.00 |
| Change in Working Capital | -90,269.00 | 219,216.00 | -111,487.00 | 21,050.00 | 111,094.00 |
| Other Operating Activities | 878,711.00 | 394,039.00 | 1,120,843.00 | 680,577.00 | 288,039.00 |
| Investing Cash Flow | 275,076.00 | -295,211.00 | 663,213.00 | -3,224,584.00 | -3,177,472.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 16,701.00 | 58,155.00 | 29,145.00 | 23,541.00 | 37,869.00 |
| Net Purchase/Sale of Investments Net | 1,445,845.00 | 3,012,732.00 | 2,246,278.00 | 4,226,971.00 | 1,264,529.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -407,460.00 | 968,237.00 | 2,088,836.00 | -670,958.00 | 1,296,136.00 |
| Other Investing Activities | -780,010.00 | -4,334,335.00 | -3,701,046.00 | -6,804,138.00 | -5,776,006.00 |
| Financing Cash Flow | -1,060,256.00 | -309,858.00 | -1,497,885.00 | 2,243,184.00 | 2,987,468.00 |
| Net Issuance/Repayment of Debt | -515,814.00 | -716,442.00 | 212,319.00 | 323,380.00 | -714,201.00 |
| Net Issuance/Repurchase of Equity | 83,922.00 | 3,815.00 | 125,560.00 | 52,438.00 | 34,897.00 |
| Dividends Paid | 130,840.00 | 104,697.00 | 94,458.00 | 95,927.00 | 95,605.00 |
| Other Financing Activities | -759,204.00 | 298,072.00 | -1,930,222.00 | 1,771,439.00 | 3,571,167.00 |
| Net Change in Cash | 67,687.00 | 88,273.00 | 200,165.00 | -234,823.00 | 236,254.00 |
| Cash at Beginning of Period | 507,223.00 | 472,929.00 | 364,294.00 | 636,024.00 | 290,052.00 |
| Cash at End of Period | 574,910.00 | 561,202.00 | 564,459.00 | 401,201.00 | 526,306.00 |
| 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 | 35,766,407.00 | 35,212,652.00 | 34,750,680.00 | 39,380,166.00 | 35,238,107.00 | 35,412,291.00 | 35,247,119.00 | 39,551,079.00 | 36,298,301.00 | 36,210,148.00 | 37,547,083.00 | 38,694,325.00 | 34,567,242.00 | 34,637,525.00 | 36,317,291.00 | 40,369,577.00 | 35,318,308.00 | 35,098,709.00 | 35,072,643.00 | 37,390,888.00 |
| Deposits | 28,659,750.00 | 29,046,612.00 | 29,194,733.00 | 29,492,851.00 | 28,982,905.00 | 29,200,718.00 | 29,775,906.00 | 29,690,059.00 | 30,320,337.00 | 30,043,501.00 | 29,613,070.00 | 29,070,349.00 | 28,951,274.00 | 29,866,432.00 | 30,499,709.00 | 30,465,897.00 | 29,208,157.00 | 29,273,107.00 | 29,210,520.00 | 27,697,877.00 |
| Cash and Short-Term Investments | 1,425,896.00 | 1,117,111.00 | 1,351,805.00 | 1,787,318.00 | 1,365,107.00 | 1,082,437.00 | 853,300.00 | 1,406,998.00 | 1,359,300.00 | 1,237,899.00 | 2,882,521.00 | 1,015,703.00 | 851,251.00 | 1,569,470.00 | 3,836,431.00 | 4,322,113.00 | 3,590,661.00 | 2,705,379.00 | 2,847,784.00 | 2,060,087.00 |
| Cash and Cash Equivalents | 1,425,896.00 | 1,117,111.00 | 1,351,805.00 | 1,787,318.00 | 1,365,107.00 | 1,082,437.00 | 853,300.00 | 1,406,998.00 | 1,359,300.00 | 1,237,899.00 | 2,882,521.00 | 1,015,703.00 | 851,251.00 | 1,569,470.00 | 3,836,431.00 | 4,322,113.00 | 3,590,661.00 | 2,705,379.00 | 2,847,784.00 | 2,060,087.00 |
| 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 | 142,025.00 | 142,646.00 | 140,526.00 | 143,237.00 | 148,078.00 | 154,394.00 | 159,095.00 | 157,179.00 | 152,437.00 | 141,442.00 | 141,704.00 | 131,849.00 | 111,907.00 | 101,172.00 | 98,873.00 | 96,938.00 | 99,314.00 | 100,865.00 | 108,290.00 | 104,268.00 |
| 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 | 364,003.00 | 371,431.00 | 371,486.00 | 378,589.00 | 384,707.00 | 387,843.00 | 397,893.00 | 407,438.00 | 416,827.00 | 432,933.00 | 425,556.00 | 425,489.00 | 446,671.00 | 450,675.00 | 454,330.00 | 452,548.00 | 448,973.00 | 454,905.00 | 484,439.00 | 491,207.00 |
| Goodwill | 995,355.00 | 995,355.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 855,453.00 | 918,822.00 |
| Intangible Assets | 69,692.00 | 72,387.00 | 33,110.00 | 35,224.00 | 37,430.00 | 39,722.00 | 42,111.00 | 44,637.00 | 47,309.00 | 50,122.00 | 53,080.00 | 56,193.00 | 59,464.00 | 62,892.00 | 66,479.00 | 70,226.00 | 74,146.00 | 78,228.00 | 82,473.00 | 86,892.00 |
| 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 | 74,604.00 | 88,407.00 | 104,991.00 | 146,567.00 | 107,842.00 | 166,390.00 | 165,090.00 | 153,384.00 | 244,774.00 | 200,910.00 | 187,975.00 | 211,418.00 | 192,494.00 | 107,013.00 | 59,606.00 | 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 | 31,291,928.00 | 30,847,233.00 | 30,472,008.00 | 30,954,149.00 | 31,063,420.00 | 31,491,573.00 | 31,393,683.00 | 31,774,912.00 | 32,797,298.00 | 32,655,672.00 | 34,015,851.00 | 31,841,197.00 | 31,386,803.00 | 31,287,802.00 | 32,866,340.00 | 32,860,853.00 | 31,688,542.00 | 31,535,808.00 | 31,655,740.00 | 30,199,577.00 |
| 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 | 3,191,520.00 | 1,444,927.00 | 542,780.00 | 639,015.00 | 1,565,944.00 | 2,013,959.00 | 667,760.00 | 1,154,829.00 | 1,425,928.00 | 1,629,538.00 | 3,519,497.00 | 3,717,542.00 | 1,542,981.00 | 630,011.00 | 1,620,302.00 | 1,665,061.00 | 1,745,228.00 | 1,516,508.00 | 1,652,747.00 | 1,667,513.00 |
| 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 | 4,474,479.00 | 4,365,419.00 | 4,278,672.00 | 8,426,017.00 | 4,174,687.00 | 3,920,718.00 | 3,853,436.00 | 7,776,167.00 | 3,501,003.00 | 3,554,476.00 | 3,531,232.00 | 6,853,128.00 | 3,180,439.00 | 3,349,723.00 | 3,450,951.00 | 7,508,724.00 | 3,629,766.00 | 3,562,901.00 | 3,416,903.00 | 7,191,311.00 |
| Shareholders Equity | 8,532,498.00 | 8,261,011.00 | 8,042,372.00 | 12,382,908.00 | 4,174,687.00 | 3,920,718.00 | 3,853,436.00 | 11,410,983.00 | 3,501,003.00 | 3,554,476.00 | 3,531,232.00 | 10,027,884.00 | 3,180,439.00 | 3,349,723.00 | 3,450,951.00 | 11,011,056.00 | 3,629,766.00 | 3,562,901.00 | 3,416,903.00 | 10,317,075.00 |
| Capital Stock | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 | 309,513.00 |
| Share Premium | 1,633,674.00 | 1,666,695.00 | 1,699,474.00 | 1,719,609.00 | 1,723,086.00 | 1,732,084.00 | 1,739,702.00 | 1,739,671.00 | 1,735,098.00 | 1,727,745.00 | 1,720,623.00 | 1,716,884.00 | 1,715,447.00 | 1,710,898.00 | 1,742,021.00 | 1,755,701.00 | 1,774,874.00 | 1,770,973.00 | 1,764,145.00 | 1,757,937.00 |
| Retained Earnings | 2,947,752.00 | 2,859,038.00 | 2,784,657.00 | 2,704,606.00 | 2,617,584.00 | 2,537,057.00 | 2,457,736.00 | 2,375,604.00 | 2,351,386.00 | 2,280,004.00 | 2,188,561.00 | 2,088,413.00 | 1,968,260.00 | 1,856,489.00 | 1,758,693.00 | 1,659,073.00 | 1,545,181.00 | 1,439,553.00 | 1,374,688.00 | 1,291,506.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -416,460.00 | -469,827.00 | -514,972.00 | -1,212,184.00 | -950,992.00 | -1,315,872.00 | -1,307,030.00 | -1,242,254.00 | -1,789,988.00 | -1,525,572.00 | -1,374,930.00 | -1,544,364.00 | -1,625,562.00 | -1,054,354.00 | -718,552.00 | -107,870.00 | 198.00 | 42,862.00 | -62,886.00 | 80,069.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 22,309,355.00 | 22,133,501.00 | 22,139,633.00 | 22,097,023.00 | 22,663,709.00 | 22,338,208.00 | 19,991,584.00 | 20,171,784.00 | 20,692,776.00 | 21,471,870.00 | 22,028,888.00 | 22,047,868.00 | 21,878,542.00 | 22,294,382.00 | 21,820,288.00 | 20,367,862.00 | 5,387,336.00 | 5,505,638.00 | 5,661,132.00 | 5,649,502.00 |
| Debt | 3,524,980.00 | 1,783,303.00 | 867,644.00 | 1,773,511.00 | 1,921,089.00 | 2,368,104.00 | 1,025,090.00 | 2,838,561.00 | 3,214,808.00 | 3,621,067.00 | 7,401,980.00 | 4,242,857.00 | 3,442,189.00 | 988,674.00 | 1,981,544.00 | 3,863,085.00 | 2,112,489.00 | 1,887,496.00 | 2,176,472.00 | 4,156,235.00 |
| Net Debt | 2,099,084.00 | 666,192.00 | 0 | 0 | 555,982.00 | 1,285,667.00 | 171,790.00 | 1,431,563.00 | 1,855,508.00 | 2,383,168.00 | 4,519,459.00 | 3,227,154.00 | 2,590,938.00 | 0 | 0 | 0 | 0 | 0 | 0 | 2,096,148.00 |
| Common Shares Outstanding | 84,711.00 | 85,351.00 | 86,033.00 | 86,124.00 | 86,136.00 | 86,355.00 | 86,622.00 | 86,345.00 | 86,148.00 | 86,123.00 | 86,066.00 | 85,941.00 | 85,686.00 | 85,714.00 | 86,460.00 | 86,749.00 | 86,823.00 | 86,847.00 | 86,777.00 | 86,728.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 73,595.00 | 48,375.00 | 24,119.00 | -43,306.00 | 67,658.00 | 44,514.00 | 22,239.00 | -41,191.00 | 64,377.00 | 42,113.00 | 20,721.00 | -41,718.00 | 65,441.00 | 42,266.00 | 21,674.00 | -36,403.00 | 59,686.00 | 38,603.00 | 19,146.00 |
| Cost Of Revenue | 143,054.00 | 94,847.00 | 37,552.00 | -16,422.00 | 146,732.00 | 73,596.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Income | 1,206,922.00 | 797,902.00 | 395,321.00 | -856,627.00 | 1,278,705.00 | 849,229.00 | 421,684.00 | -723,685.00 | 1,193,703.00 | 777,876.00 | 372,603.00 | -382,760.00 | 791,387.00 | 491,650.00 | 236,786.00 | -511,114.00 | 743,502.00 | 499,085.00 | 250,785.00 |
| Interest Expense | 380,320.00 | 251,038.00 | 125,416.00 | -327,411.00 | 470,340.00 | 312,628.00 | 155,513.00 | -149,246.00 | 365,564.00 | 218,971.00 | 87,609.00 | 24,397.00 | 36,885.00 | 17,455.00 | 8,323.00 | -36,593.00 | 39,563.00 | 29,855.00 | 16,198.00 |
| Net Interest | 826,602.00 | 546,864.00 | 269,905.00 | -529,216.00 | 808,365.00 | 536,601.00 | 266,171.00 | -574,439.00 | 828,139.00 | 558,905.00 | 284,994.00 | -407,157.00 | 754,502.00 | 474,195.00 | 228,463.00 | -474,521.00 | 703,939.00 | 469,230.00 | 234,587.00 |
| Non-Interest Income | 299,316.00 | 193,315.00 | 94,791.00 | -173,667.00 | 272,920.00 | 177,025.00 | 87,851.00 | -204,934.00 | 249,529.00 | 163,555.00 | 80,330.00 | -175,453.00 | 254,422.00 | 169,085.00 | 83,432.00 | -178,838.00 | 274,722.00 | 181,361.00 | 87,089.00 |
| Non-Interest Expense | 633,791.00 | 421,038.00 | 205,059.00 | -419,127.00 | 617,577.00 | 413,738.00 | 207,722.00 | -374,755.00 | 607,697.00 | 403,022.00 | 200,884.00 | -356,821.00 | 560,538.00 | 367,036.00 | 179,939.00 | -440,452.00 | 624,545.00 | 429,842.00 | 193,072.00 |
| Gross Profit | -69,459.00 | -46,472.00 | -13,433.00 | -4,645.00 | -79,074.00 | -29,082.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 178,815.00 | 120,709.00 | 57,065.00 | -99,559.00 | 160,701.00 | 105,155.00 | 51,168.00 | -96,102.00 | 153,478.00 | 100,703.00 | 49,519.00 | -84,854.00 | 139,387.00 | 90,529.00 | 43,712.00 | -96,219.00 | 146,909.00 | 97,421.00 | 47,108.00 |
| EBT | 454,089.00 | 293,754.00 | 149,175.00 | -261,009.00 | 423,453.00 | 278,197.00 | 133,332.00 | -401,897.00 | 427,820.00 | 305,785.00 | 158,420.00 | -283,091.00 | 479,272.00 | 308,532.00 | 154,483.00 | -211,559.00 | 403,211.00 | 242,889.00 | 133,515.00 |
| Income Tax | 93,588.00 | 60,719.00 | 29,671.00 | -55,757.00 | 84,712.00 | 55,028.00 | 24,720.00 | -86,230.00 | 85,821.00 | 61,524.00 | 31,953.00 | -61,931.00 | 98,970.00 | 63,619.00 | 31,005.00 | -52,319.00 | 77,739.00 | 46,999.00 | 26,343.00 |
| Net Income | 360,501.00 | 233,035.00 | 119,504.00 | -209,707.00 | 338,741.00 | 223,169.00 | 108,612.00 | -320,125.00 | 341,999.00 | 244,261.00 | 126,467.00 | -224,604.00 | 380,302.00 | 244,913.00 | 123,478.00 | -165,319.00 | 325,472.00 | 195,890.00 | 107,172.00 |
| EBIT | 834,409.00 | 544,792.00 | 274,591.00 | -588,420.00 | 893,793.00 | 590,825.00 | 288,845.00 | -551,143.00 | 793,384.00 | 524,756.00 | 246,029.00 | -258,694.00 | 516,157.00 | 325,987.00 | 162,806.00 | -248,152.00 | 442,774.00 | 272,744.00 | 149,713.00 |
| Deprecation and Amortization | 18,496.00 | 12,883.00 | 6,500.00 | -5,781.00 | 21,526.00 | 14,397.00 | 7,281.00 | 128.00 | 20,834.00 | 13,911.00 | 6,576.00 | 18,393.00 | 4,497.00 | 837.00 | 431.00 | 3,399.00 | 3,829.00 | 3,195.00 | 1,709.00 |
| EBITDA | 852,905.00 | 557,675.00 | 281,091.00 | -594,201.00 | 915,319.00 | 605,222.00 | 296,126.00 | -551,015.00 | 814,218.00 | 538,667.00 | 252,605.00 | -240,301.00 | 520,654.00 | 326,824.00 | 163,237.00 | -244,753.00 | 446,603.00 | 275,939.00 | 151,422.00 |
| 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 | 85,509.00 | 85,833.00 | 86,092.00 | 85,927.00 | 86,421.00 | 86,515.00 | 86,521.00 | 86,363.00 | 86,082.00 | 86,057.00 | 86,018.00 | 85,109.00 | 86,141.00 | 86,362.00 | 86,660.00 | 86,957.00 | 86,800.00 | 86,783.00 | 86,752.00 |
| Average Shares Outstanding Diluted | 85,977.00 | 86,203.00 | 86,462.00 | 86,448.00 | 86,650.00 | 86,768.00 | 86,726.00 | 86,692.00 | 86,368.00 | 86,350.00 | 86,282.00 | 85,547.00 | 86,439.00 | 86,654.00 | 86,936.00 | 87,420.00 | 86,951.00 | 86,932.00 | 86,805.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 388,772.00 | 229,985.00 | 104,182.00 | -19,700.00 | 434,183.00 | 271,713.00 | 166,671.00 | -9,640.00 | 402,403.00 | 214,691.00 | 85,888.00 | -407,605.00 | 675,077.00 | 486,831.00 | 280,534.00 | -406,901.00 | 530,875.00 | 367,563.00 | 255,040.00 |
| Operating Net Income | 360,501.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deprecation and Amortization | 18,496.00 | 12,883.00 | 6,500.00 | -5,781.00 | 21,526.00 | 14,397.00 | 7,281.00 | 128.00 | 20,834.00 | 13,911.00 | 6,576.00 | 19,255.00 | 4,497.00 | 837.00 | -431.00 | 20,865.00 | -3,829.00 | -3,195.00 | -1,709.00 |
| Deferred Income Tax | 16,342.00 | 17,199.00 | 13,364.00 | 4,194.00 | 4,640.00 | -2,221.00 | -2,314.00 | 3,071.00 | 3,266.00 | 8,450.00 | -801.00 | -53,295.00 | 9,396.00 | 11,634.00 | 10,099.00 | 4,540.00 | 1,378.00 | 2,158.00 | 2,300.00 |
| Share Based Compensation | 18,404.00 | 11,964.00 | 5,921.00 | -11,976.00 | 17,171.00 | 11,817.00 | 5,691.00 | -11,945.00 | 18,677.00 | 12,194.00 | 5,726.00 | -10,689.00 | 17,507.00 | 11,379.00 | 5,292.00 | -11,991.00 | 17,270.00 | 11,646.00 | 5,517.00 |
| Change in Working Capital | -17,155.00 | 4,378.00 | -19,646.00 | 41,681.00 | -83,766.00 | -17,838.00 | -30,346.00 | -446,395.00 | 244,319.00 | 232,224.00 | 189,068.00 | 130,383.00 | -138,139.00 | -12,088.00 | -91,643.00 | 225,374.00 | -60,971.00 | -45,301.00 | -98,052.00 |
| Other Operating Activities | -7,816.00 | 183,561.00 | 98,043.00 | -47,818.00 | 474,612.00 | 265,558.00 | 186,359.00 | 445,501.00 | 115,307.00 | -52,088.00 | -114,681.00 | -493,259.00 | 781,816.00 | 475,069.00 | 357,217.00 | -645,689.00 | 577,027.00 | 402,255.00 | 346,984.00 |
| Investing Cash Flow | -648,260.00 | -109,236.00 | 291,246.00 | -173,930.00 | 300,279.00 | 28,924.00 | 119,803.00 | 3,967,863.00 | -1,151,162.00 | -893,150.00 | -2,218,762.00 | -2,240,473.00 | 1,279,302.00 | 1,548,863.00 | 75,521.00 | 2,094,488.00 | -1,913,845.00 | -1,638,877.00 | -1,766,350.00 |
| 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 | 11,578.00 | 7,758.00 | 3,951.00 | 3,344.00 | 7,500.00 | 3,584.00 | 2,273.00 | 9,812.00 | 24,572.00 | 18,273.00 | 5,498.00 | -22,772.00 | 22,352.00 | 18,212.00 | 11,353.00 | -766.00 | 12,402.00 | 7,636.00 | 4,269.00 |
| Net Purchase/Sale of Investments Net | 1,276,704.00 | 920,117.00 | 328,092.00 | -404,743.00 | 1,046,774.00 | 569,946.00 | 233,868.00 | 2,224,328.00 | 424,779.00 | 244,876.00 | 118,749.00 | -2,174,620.00 | 1,985,093.00 | 1,543,072.00 | 892,733.00 | 2,129,151.00 | 961,740.00 | 729,274.00 | 406,806.00 |
| Net Purchase/Sale of Business | 112,071.00 | 112,071.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -407,460.00 | 968,237.00 | 2,088,836.00 | -670,958.00 | 1,296,136.00 | ||||||||||||||
| Other Investing Activities | -2,474,572.00 | -1,393,398.00 | 118,872.00 | 470,254.00 | -446,333.00 | -601,298.00 | -202,633.00 | 2,769,482.00 | -2,579,288.00 | -1,874,647.00 | -2,649,882.00 | 450,093.00 | -2,273,680.00 | -820,946.00 | -1,056,513.00 | -1,051,310.00 | -1,972,335.00 | -1,704,992.00 | -2,075,501.00 |
| Financing Cash Flow | 199,160.00 | -183,157.00 | -459,991.00 | 459,939.00 | -725,788.00 | -361,011.00 | -433,396.00 | -3,876,032.00 | 725,651.00 | 677,736.00 | 2,162,787.00 | 2,060,565.00 | -1,765,994.00 | -1,738,621.00 | -53,835.00 | -1,881,639.00 | 1,384,544.00 | 1,246,602.00 | 1,493,677.00 |
| Net Issuance/Repayment of Debt | 1,252,505.00 | 405,912.00 | -96,235.00 | -348,990.00 | 111,115.00 | 209,130.00 | -487,069.00 | -1,677,592.00 | -445,343.00 | -241,733.00 | 1,648,226.00 | 1,413,169.00 | -121,600.00 | -1,034,570.00 | -44,680.00 | 34,411.00 | 253,468.00 | 24,670.00 | 10,831.00 |
| Net Issuance/Repurchase of Equity | 103,594.00 | 62,389.00 | 21,830.00 | 33,479.00 | 32,906.00 | 16,640.00 | 897.00 | -1,912.00 | 2,858.00 | 1,934.00 | 935.00 | -14,117.00 | 61,790.00 | 58,516.00 | 19,371.00 | 43,013.00 | 5,888.00 | 2,401.00 | 1,136.00 |
| Dividends Paid | 116,593.00 | 78,237.00 | 39,582.00 | -53,222.00 | 96,153.00 | 61,395.00 | 26,514.00 | -52,357.00 | 78,531.00 | 52,350.00 | 26,173.00 | -47,637.00 | 70,926.00 | 47,365.00 | 23,804.00 | -48,184.00 | 72,046.00 | 48,044.00 | 24,021.00 |
| Other Financing Activities | -1,273,532.00 | -729,695.00 | -425,168.00 | 828,672.00 | -965,962.00 | -648,176.00 | 26,262.00 | -2,144,171.00 | 1,089,605.00 | 865,185.00 | 487,453.00 | 709,150.00 | -1,777,110.00 | -809,932.00 | -52,330.00 | -1,910,879.00 | 1,053,142.00 | 1,171,487.00 | 1,457,689.00 |
| Net Change in Cash | -60,328.00 | -62,408.00 | -64,563.00 | 266,309.00 | 8,674.00 | -60,374.00 | -146,922.00 | 82,191.00 | -23,108.00 | -723.00 | 29,913.00 | -587,513.00 | 188,385.00 | 297,073.00 | 302,220.00 | -194,052.00 | 1,574.00 | -24,712.00 | -17,633.00 |
| Cash at Beginning of Period | 574,910.00 | 574,910.00 | 574,910.00 | 308,601.00 | 561,202.00 | 561,202.00 | 561,202.00 | 479,011.00 | 564,459.00 | 564,459.00 | 564,459.00 | 1,151,972.00 | 401,201.00 | 401,201.00 | 401,201.00 | 595,253.00 | 526,306.00 | 526,306.00 | 526,306.00 |
| Cash at End of Period | 514,582.00 | 512,502.00 | 510,347.00 | 574,910.00 | 569,876.00 | 500,828.00 | 414,280.00 | 561,202.00 | 541,351.00 | 563,736.00 | 594,372.00 | 564,459.00 | 589,586.00 | 698,274.00 | 703,421.00 | 401,201.00 | 527,880.00 | 501,594.00 | 508,673.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |