Valuation Ratios

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Price to Earnings -12.00
Price to Sales
Book Value Per Common Share 5.21 6.09 6.50 6.92
Price to Book 0.65
Price to Operating Cash Flow 1.31
Price to Free Cash Flow
Enterprise Value to EBITDA
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31
Price to Earnings 69.50 23.22 21.40 6.80 -20.73 -11.11
Price to Sales
Book Value Per Common Share 5.04 5.27 5.42 5.55 5.21 5.49 5.48 5.83 6.09 6.13 6.36
Price to Book 0.55 0.53 0.59 0.56 0.65 0.57 0.65
Price to Operating Cash Flow -113.47 -24.48 9.09 93.71 1.72 4.21
Price to Free Cash Flow
Enterprise Value to EBITDA

Earnings Data

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Earning YoY 22.22
Revenue YoY 125.59
EBITDA YoY
Net Profit YoY 25.05
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31
Earning YoY -66.67 -20.00 -67.39 -50.00
Revenue YoY
EBITDA YoY
Net Profit YoY -71.14 -19.68 -66.60 54.21

Financial Strength

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Cash Per Common Share 0.01 0.08
Quick Ratio
Current Ratio
Debt to Equity 1.56 1.64 1.63 1.78
Long-Term Debt to Equity
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31
Cash Per Common Share 0.27 0.20 0.16 0.12 0.01 0.19 0.21 0.01 0.08 0.20 0.04
Quick Ratio
Current Ratio
Debt to Equity 1.90 1.95 1.66 1.54 1.56 1.65 1.85 1.86 1.64 1.71 1.62
Long-Term Debt to Equity

Profitability

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
ROA -2.13 1.40 1.05 -0.86
ROE -5.46 3.69 2.77 -2.40
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin 35.85 -72.35
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31
ROA 0.24 0.79 1.06 3.25 -1.02 -2.03 -0.70
ROE 0.70 2.33 2.82 8.27 -2.71 -5.77 -2.01
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

Dividends

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Dividend Yield
Dividend Payout Ratio 328.81 -426.41
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Assets 192,237.74 231,806.86 246,385.09 267,682.86
      Cash and Short-Term Investments 158.77 1,093.76 0 0
            Cash and Cash Equivalents 158.77 1,093.76 2,550.02 5,845.25
            Short-Term Investments 0 0 0 0
      Net Receivables 1,301.52 2,041.88 3,135.62 8,845.84
      Inventory 0 0 0 0
      Other Current Assets 0 0 0 0
      Property, Plant, Equipment Net 0 0 0 0
      Goodwill 0 0 0 0
      Intangible Assets 0 0 0 0
      Long-Term Investments 0 0 233,683.99 245,855.62
      Non-Current Deferred Assets 0 0 0 0
      Other Non-Current Assets 0 0 0 0
Liabilities 117,227.54 144,106.55 152,875.70 171,327.01
      Payables and Expenses 0 0 0 0
            Account Payables 0 0 3,979.21 3,037.62
            Current Accrued Liabilities 0 0 0 0
      Short-Term Debt 65,000.00 65,000.00 0 0
      Other Current Liabilities 0 0 0 0
      Long-Term Debt 0 0 146,819.45 165,427.23
      Other Non-Current Liabilities 0 0 0 0
Equity 75,010.21 87,700.31 93,509.39 96,355.85
   Shareholders Equity 75,010.21 87,700.31 93,509.39 96,355.85
      Capital Stock 14.40 14.39 14.39 13.92
      Share Premium 203,103.26 203,327.71 203,590.13 200,657.89
      Retained Earnings -128,107.46 -115,641.80 -110,095.12 -104,315.96
      Treasury Shares 0 0 0 0
      Accumulated Other Comprehensive Income 0 0 0 0
   Minority Interest 0 0 0 0
Investments 184,569.53 220,111.33 0 0
Debt 171,220.69 200,483.89 146,819.45 165,427.23
Net Debt 171,061.92 199,390.13 144,269.43 159,581.98
Common Shares Outstanding 14,403.75 14,391.77 14,385.81 13,921.77
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Revenues 0 0 7,214.55 3,198.12
Interest Income 28,890.54 8,413.41 22,982.80 25,303.62
Interest Expense 8,606.31 8,413.41 6,633.59 7,359.08
Net Interest 20,284.23 8,413.41 0 0
Non-Interest Expense 0 0 4,145.11 4,484.63
Operating Expenses 17,652.44 17,643.40 4,357.30 5,242.95
   Selling, General and Administrative Expenses 1,718.62 1,491.25 4,145.11 4,484.63
   Other Operating Expenses 15,933.81 16,152.15 212.19 758.32
EBT 0 0 2,857.25 -2,044.83
Income Tax 267.15 294.33 270.62 268.99
Net Income Including Non-Controlling Interests 0 0 2,586.63 -2,313.82
Net Income -4,092.47 3,234.50 2,586.63 -2,313.82
Deprecation and Amortization 0.00 0.00 0 0
EPS -0.00 0.00 0.00 -0.00
Diluted EPS -0.00 0.00 0.00 -0.00
Average Shares Outstanding Basic 14,396.20 14,389.16 14,304.64 13,908.61
Average Shares Outstanding Diluted 14,396.20 14,389.16 14,304.64 13,908.61
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Operating Cash Flow 37,056.53 20,707.08 21,213.35 20,208.61
   Operating Net Income -4,092.47 3,234.50 2,586.63 -2,313.82
   Deprecation and Amortization 0 0 0 0
   Deferred Income Tax 0 0 0 0
   Share Based Compensation 0 0 0 0
   Change in Working Capital -273.25 715.73 5,762.87 -3,368.93
   Other Operating Activities 41,422.25 16,756.85 12,863.85 25,891.36
Investing Cash Flow 0 0 0 0
   Capital Expenditure 0.00 0.00 0 0
   Net Purchase/Sale of PPE 0 0 0 0
   Net Purchase/Sale of Investments Net 0 0 0 0
   Net Purchase/Sale of Business 0 0 0 0
   Other Investing Activities 0 0 0 0
Financing Cash Flow -41,098.94 -20,710.94 -24,663.48 -27,896.97
   Net Issuance/Repayment of Debt 103,100.00 0 -18,000.00 -16,730.55
   Net Issuance/Repurchase of Equity 40.21 0 3,141.58 0
   Dividends Paid 11,188.15 8,610.94 -8,505.06 -9,866.42
   Other Financing Activities -155,427.30 -29,321.88 -1,300.00 -1,300.00
Net Change in Cash -4,042.41 -3.86 -3,450.13 -7,688.36
   Cash at Beginning of Period 9,151.22 9,155.08 12,605.20 20,293.56
   Cash at End of Period 5,108.80 9,151.22 9,155.08 12,605.20
Free Cash Flow 0 0 21,213.35 20,208.61
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31
Assets 210,636.08 224,064.57 207,606.63 203,017.15 192,237.74 209,970.55 224,309.89 239,757.86 231,806.86 239,009.12 239,360.42
      Cash and Short-Term Investments 3,860.95 2,946.72 2,333.33 1,748.80 158.77 2,728.35 3,092.22 90.77 1,093.76 2,902.38 553.19
            Cash and Cash Equivalents 3,860.95 2,946.72 2,333.33 1,748.80 158.77 2,728.35 3,092.22 90.77 1,093.76 2,902.38 553.19
            Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0
      Net Receivables 2,070.53 1,838.66 1,596.05 1,564.64 1,301.52 1,304.72 1,346.54 1,615.13 2,041.88 2,184.80 1,919.40
      Inventory 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
      Property, Plant, Equipment Net 0 0 0 0 0 0 0 0 0 0 0
      Goodwill 0 0 0 0 0 0 0 0 0 0 0
      Intangible Assets 0 0 0 0 0 0 0 0 0 0 0
      Long-Term Investments 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
      Other Non-Current Assets 0 0 0 0 0 0 0 0 0 0 0
Liabilities 137,932.75 148,080.34 129,505.18 123,128.77 117,227.54 130,869.58 145,468.91 155,897.04 144,106.55 150,782.58 147,882.78
      Payables and Expenses 0 0 0 0 0 0 0 0 0 0 0
            Account Payables 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
      Short-Term Debt 65,000.00 65,000.00 65,000.00 65,000.00 65,000.00 65,000.00 65,000.00 65,000.00 65,000.00 65,000.00 65,000.00
      Other Current Liabilities 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
      Other Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0 0
Equity 72,703.33 75,984.22 78,101.45 79,888.39 75,010.21 79,100.96 78,840.98 83,860.82 87,700.31 88,226.55 91,477.63
   Shareholders Equity 72,703.33 75,984.22 78,101.45 79,888.39 75,010.21 79,100.96 78,840.98 83,860.82 87,700.31 88,226.55 91,477.63
      Capital Stock 14.43 14.43 14.41 14.40 14.40 14.40 14.39 14.39 14.39 14.39 14.39
      Share Premium 203,575.91 203,575.91 203,528.19 203,103.26 203,103.26 203,346.42 203,338.61 203,331.51 203,327.71 203,611.87 203,600.31
      Retained Earnings -130,887.01 -127,606.12 -125,441.15 -123,229.28 -128,107.46 -124,259.85 -124,512.02 -119,485.09 -115,641.80 -115,399.71 -112,137.06
      Treasury Shares 0 0 0 0 0 0 0 0 0 0 0
      Accumulated Other Comprehensive Income 0 0 0 0 0 0 0 0 0 0 0
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0
Investments 196,135.05 204,130.68 192,447.87 190,142.16 184,569.53 192,203.28 207,381.55 223,404.28 220,111.33 221,315.43 228,593.66
Debt 192,556.50 199,384.90 184,713.30 175,891.06 171,220.69 185,550.32 198,878.24 197,775.00 200,483.89 210,292.78 206,601.67
Net Debt 188,695.55 196,438.18 182,379.97 174,142.26 171,061.92 182,821.97 195,786.02 197,684.23 199,390.13 207,390.40 206,048.48
Common Shares Outstanding 14,431.20 14,431.20 14,414.03 14,403.75 14,403.75 14,397.12 14,394.92 14,392.84 14,391.77 14,391.77 14,388.46
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-03-31 2022-12-31
Operating Expenses 11,431.50 7,541.49 3,758.32 4,590.41 -9,605.72 13,769.32 9,132.16 4,356.67 13,147.90 8,600.28
   Selling, General and Administrative Expenses 1,237.01 865.08 461.79 522.41 -807.18 1,333.06 852.36 340.39 1,211.08 819.20
   Other Operating Expenses 10,194.49 6,676.41 3,296.54 4,068.00 -8,798.54 12,436.26 8,279.81 4,016.28 11,936.82 7,781.07
Interest Income 16,871.45 10,953.11 5,335.15 6,531.74 -16,743.38 22,858.90 15,094.55 7,680.47 6,119.08 3,952.34
Interest Expense 5,718.00 3,688.16 1,831.97 1,857.41 -4,733.31 6,649.31 4,475.12 2,215.18 6,119.08 3,952.34
Net Interest 11,153.45 7,264.95 3,503.18 4,674.33 -12,010.08 16,209.59 10,619.43 5,465.29 6,119.08 3,952.34
EBT 0 0 0 0 0 0 0 0 0 0
Income Tax 0.00 0.00 0.00 221.66 -365.73 321.89 210.24 100.75 187.76 110.19
Net Income 511.46 1,771.99 2,206.29 6,606.63 4,284.28 -2,140.32 -4,552.06 -1,684.36 0 0
Deprecation and Amortization 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EPS 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
Average Shares Outstanding Basic 14,421.27 14,416.22 14,412.99 14,403.75 14,404.12 14,394.57 14,393.40 14,392.71 14,388.30 14,387.53
Average Shares Outstanding Diluted 14,421.27 14,416.22 14,412.99 14,403.75 14,404.12 14,394.57 14,393.40 14,392.71 14,388.30 14,387.53
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-03-31 2022-12-31
Operating Cash Flow -352.74 -1,641.18 5,091.59 481.71 -11,764.62 26,039.05 12,151.69 10,630.41 15,714.73 9,188.51
   Operating Net Income 511.46 1,771.99 2,206.29 6,606.63 4,284.28 -2,140.32 -4,552.06 -1,684.36 1,170.22 2,274.37
   Deprecation and Amortization 0 0 0 0 0 0 0 0 0 0
   Deferred Income Tax 0 0 0 0 0 0 0 0 0 0
   Share Based Compensation 0 0 0 0 0 0 0 0 0 0
   Change in Working Capital 3,305.32 9,077.16 2,567.02 -1,696.70 -6,952.87 2,574.04 3,548.88 556.70 1,537.75 281.09
   Other Operating Activities -4,169.52 -12,490.33 318.28 -4,428.22 -9,096.04 25,605.33 13,154.88 11,758.07 13,006.76 6,633.05
Investing Cash Flow 0 0 0 0 0 0 0 0 0 0
   Capital Expenditure 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 0 0 0 0 0 0 0 0 0 0
   Net Purchase/Sale of Investments Net 0 0 0 0 0 0 0 0 0 0
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0
   Other Investing Activities 0 0 0 0 0 0 0 0 0 0
Financing Cash Flow -118.65 6,881.35 -4,206.03 4,500.00 -6,672.91 -22,300.76 -6,638.54 -5,486.72 -10,710.94 -9,905.73
   Net Issuance/Repayment of Debt 32,000.00 25,000.00 3,500.00 4,500.00 -33,600.00 78,600.00 58,100.00 0 0 0
   Net Issuance/Repurchase of Equity 70.45 70.45 22.71 0 10.60 18.71 10.90 0 0 0
   Dividends Paid 5,118.65 5,118.65 1,706.03 0 -3,027.09 6,889.97 4,738.54 2,586.72 8,610.94 4,305.73
   Other Financing Activities -37,307.75 -23,307.75 -9,434.78 0.00 29,943.58 -107,809.44 -69,487.99 -8,073.45 -19,321.88 -14,211.45
Net Change in Cash -471.39 5,240.17 885.56 4,981.71 -18,437.53 3,738.29 5,513.15 5,143.68 5,003.79 -717.22
   Cash at Beginning of Period 12,104.55 12,104.55 12,104.55 5,108.80 23,546.34 9,151.22 9,151.22 9,151.22 9,155.08 9,155.08
   Cash at End of Period 11,633.16 17,344.72 12,990.11 10,090.51 5,108.80 12,889.51 14,664.36 14,294.90 14,158.87 8,437.86
Free Cash Flow 0 0 0 0 0 0 0 0 0 0