INBK
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 12.37 | 25.46 | 6.51 | 9.70 | |
| Price to Sales | 50.55 | 55.78 | 42.35 | 31.00 | |
| Book Value Per Common Share | 128.82 | 119.83 | 111.35 | 113.93 | 99.15 |
| Price to Book | 0.28 | 0.20 | 0.22 | 0.41 | |
| Price to Operating Cash Flow | 12.95 | 13.16 | 2.72 | -83.37 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 12983.92 | 12174.08 | 21231.65 | 41005.95 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | -4.84 | 206.92 | 243.45 | 16.55 | 21.44 | 57.90 | 33.77 | 148.50 | -50.45 | 11.14 | 17.21 | 37.73 | 8.69 | 13.07 | 33.24 |
| Price to Sales | 32.54 | 59.24 | 117.71 | 68.22 | 84.02 | 227.95 | 54033.33 | 74250.00 | 166500.00 | 67720.00 | 92050.00 | 215050.00 | 25983.33 | 38725.00 | 60.65 |
| Book Value Per Common Share | 78.04 | 86.41 | 85.63 | 85.85 | 82.14 | 81.04 | 0.07 | 0.08 | 0.08 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 68.21 |
| Price to Book | 0.29 | 0.31 | 0.31 | 0.40 | 0.33 | 0.43 | 220.24 | 196.95 | 221.12 | 476.90 | 509.97 | 579.65 | 425.38 | 436.34 | 0.52 |
| Price to Operating Cash Flow | -9.66 | -4.09 | 7.11 | 15.55 | 12.47 | 108.02 | -162100.00 | -29700.00 | 23785.71 | 4397.40 | 6818.52 | 13033.33 | 7251.16 | 7376.19 | 11.20 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA | 18205.92 | 22183.07 | 44169.11 | 16954.11 | 20852.07 | 54908.43 | 11765694.58 | 18071904.01 | 53340925.19 | 42947149.92 | 72645841.19 | 135812476.58 | 36237856.27 | 54523238.66 | 137554.54 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 206.32 | -74.53 | -23.09 | 62.21 | |
| Revenue YoY | 61.44 | -29.85 | -63.69 | -39.05 | |
| EBITDA YoY | 37.19 | 61.09 | -4.20 | -0.87 | |
| Net Profit YoY | 200.30 | -76.32 | -26.13 | 63.36 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 18.18 | 64.29 | 110.00 | 380.00 | 42.06 | 87.72 | 51.48 | 123.58 | |||||||
| Revenue YoY | 51.87 | 99.80 | 56.21 | 111.11 | 65.08 | 108.28 | 24.31 | 91.30 | 45.70 | 46.50 | |||||
| EBITDA YoY | 1.65 | 100.21 | 56.01 | 104.92 | 66.29 | 161.48 | 54.27 | 58.49 | 51.53 | 122.30 | |||||
| Net Profit YoY | 20.47 | 63.80 | 111.47 | -17.70 | 394.10 | 40.65 | 85.15 | 51.35 | 125.32 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 108.83 | 93.17 | 56.17 | 94.65 | 89.44 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 7.11 | 6.77 | 5.87 | 5.18 | 6.04 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 90.22 | 51.16 | 45.26 | 82.00 | 45.69 | 55.45 | 0.18 | 0.16 | 0.10 | 0.07 | 0.06 | 0.16 | 0.12 | 0.10 | 126.13 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 15.01 | 14.56 | 14.09 | 14.12 | 13.37 | 13.56 | 13.86 | 12.96 | 12.28 | 10.82 | 10.22 | 10.28 | 10.48 | 10.72 | 11.16 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.41 | 0.15 | 0.71 | 1.02 | 0.63 |
| ROE | 3.29 | 1.16 | 4.87 | 6.33 | 4.45 |
| Gross Margin | -204.06 | -303.18 | 8.91 | 93.16 | 62.24 |
| Operating Margin | 3750.03 | 4421.55 | 1828.61 | 690.36 | 430.15 |
| EBITDA Margin | 3891.79 | 4579.81 | 1994.38 | 755.85 | 464.74 |
| Net Profit Margin | 408.47 | 219.59 | 650.46 | 319.69 | 119.28 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | -0.72 | 0.02 | 0.02 | 0.31 | 0.21 | 0.10 | 0.08 | 0.02 | -0.06 | 0.68 | 0.51 | 0.27 | 0.84 | 0.56 | 0.25 |
| ROE | -11.49 | 0.29 | 0.24 | 4.66 | 2.95 | 1.41 | 1.23 | 0.24 | -0.85 | 8.09 | 5.68 | 2.99 | 9.62 | 6.57 | 3.03 |
| Gross Margin | -899.00 | -549.09 | -511.25 | -137.45 | -132.80 | -95.16 | -343.72 | -579.69 | -1099.36 | 35.61 | 44.85 | 57.77 | 89.67 | 84.60 | 77.81 |
| Operating Margin | 1700.08 | 2594.67 | 2610.54 | 3885.01 | 3890.73 | 4009.15 | 4425.90 | 4326.30 | 3453.50 | 1550.54 | 1242.90 | 1243.09 | 641.44 | 620.90 | 435.86 |
| EBITDA Margin | 1787.00 | 2669.94 | 2664.50 | 4023.22 | 4028.43 | 4150.19 | 4537.75 | 4504.77 | 3588.28 | 1701.98 | 1371.39 | 1655.31 | 695.61 | 668.84 | 440.78 |
| Net Profit Margin | -672.38 | 28.67 | 47.55 | 411.32 | 392.27 | 391.61 | 158.35 | 52.91 | -384.33 | 655.37 | 579.24 | 598.45 | 290.34 | 279.51 | 181.74 |
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 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | |||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 6,228,864.00 | 5,637,513.00 | 5,014,633.00 | 4,697,916.00 | 4,661,719.00 |
| Deposits | 4,933,206.00 | 4,066,973.00 | 3,441,245.00 | 3,178,959.00 | 3,270,885.00 |
| Cash and Short-Term Investments | 945,817.00 | 823,389.00 | 535,363.00 | 938,777.00 | 880,144.00 |
| Cash and Cash Equivalents | 945,817.00 | 823,389.00 | 535,363.00 | 938,777.00 | 880,144.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 28,180.00 | 26,746.00 | 21,069.00 | 16,037.00 | 17,416.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 71,453.00 | 73,463.00 | 72,769.00 | 60,018.00 | 44,319.00 |
| Goodwill | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| 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 | 5,460,738.00 | 4,911,923.00 | 4,284,685.00 | 3,937,240.00 | 3,999,831.00 |
| 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 | 768,126.00 | 725,590.00 | 729,948.00 | 760,676.00 | 661,888.00 |
| Shareholders Equity | 1,119,536.00 | 1,059,010.00 | 1,061,286.00 | 1,129,975.00 | 975,636.00 |
| Capital Stock | 186,094.00 | 184,700.00 | 192,935.00 | 218,946.00 | 221,408.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 230,622.00 | 207,470.00 | 205,675.00 | 172,431.00 | 126,732.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -32,653.00 | -29,375.00 | -33,636.00 | -11,039.00 | -17,196.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 3,598,191.00 | 2,995,047.00 | 2,258,117.00 | 2,515,285.00 | 2,068,842.00 |
| Debt | 105,150.00 | 104,838.00 | 104,532.00 | 104,231.00 | 79,603.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 6,188.00 | 3,833.00 | 5,464.00 | 15,050.00 | 24,693.00 |
| Cost Of Revenue | 18,815.00 | 15,454.00 | 4,977.00 | 1,030.00 | 9,325.00 |
| Interest Income | 291,887.00 | 239,442.00 | 156,908.00 | 133,883.00 | 136,859.00 |
| Interest Expense | 204,510.00 | 164,538.00 | 59,815.00 | 47,327.00 | 72,318.00 |
| Net Interest | 87,377.00 | 74,904.00 | 97,093.00 | 86,556.00 | 64,541.00 |
| Non-Interest Income | 64,250.00 | 38,313.00 | 21,542.00 | 35,442.00 | 36,336.00 |
| Non-Interest Expense | 90,110.00 | 79,436.00 | 73,273.00 | 61,798.00 | 57,654.00 |
| Provisions for Credit Losses | 18,815.00 | 15,454.00 | 4,977.00 | 1,030.00 | 9,325.00 |
| Gross Profit | -12,627.00 | -11,621.00 | 487.00 | 14,020.00 | 15,368.00 |
| Selling, General and Administrative Expenses | 22,665.00 | 20,319.00 | 23,072.00 | 18,753.00 | 15,062.00 |
| EBT | 27,542.00 | 4,940.00 | 40,100.00 | 56,572.00 | 33,898.00 |
| Income Tax | 186.00 | 5,294.00 | 2,685.00 | 6,771.00 | 2,356.00 |
| Net Income | 25,276.00 | 8,417.00 | 35,541.00 | 48,114.00 | 29,453.00 |
| EBIT | 232,052.00 | 169,478.00 | 99,915.00 | 103,899.00 | 106,216.00 |
| Deprecation and Amortization | 8,772.00 | 6,066.00 | 9,058.00 | 9,856.00 | 8,542.00 |
| EBITDA | 240,824.00 | 175,544.00 | 108,973.00 | 113,755.00 | 114,758.00 |
| 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 | 8,690.42 | 8,837.56 | 9,530.92 | 9,918.08 | 9,840.20 |
| Average Shares Outstanding Diluted | 8,765.73 | 8,858.89 | 9,595.11 | 9,976.26 | 9,842.42 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 24,160.00 | 16,241.00 | 85,199.00 | -5,596.00 | 8,033.00 |
| Operating Net Income | 75,828.00 | 25,251.00 | 106,623.00 | 144,342.00 | 88,359.00 |
| Deprecation and Amortization | 8,772.00 | 6,066.00 | 9,058.00 | 9,856.00 | 8,542.00 |
| Deferred Income Tax | -1,357.00 | -4,353.00 | 4,632.00 | 2,434.00 | -4,118.00 |
| Share Based Compensation | 2,177.00 | 1,514.00 | 2,830.00 | 3,228.00 | 2,628.00 |
| Change in Working Capital | 2,426.00 | 8,444.00 | -10,165.00 | -6,997.00 | -6,661.00 |
| Other Operating Activities | -63,686.00 | -20,681.00 | -27,779.00 | -158,459.00 | -80,717.00 |
| Investing Cash Flow | -503,391.00 | -478,081.00 | -603,760.00 | 4,555.00 | -44,809.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 2,592.00 | 5,367.00 | 17,517.00 | 46,124.00 | 25,559.00 |
| Net Purchase/Sale of Investments Net | 379,060.00 | 264,633.00 | 148,577.00 | 456,138.00 | 198,710.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 0 | 0 | 14,466.00 | 21,093.00 | 207,475.00 |
| Other Investing Activities | -885,043.00 | -748,081.00 | -784,320.00 | -518,800.00 | -476,553.00 |
| Financing Cash Flow | 541,147.00 | 600,520.00 | 301,555.00 | 13,366.00 | 131,450.00 |
| Net Issuance/Repayment of Debt | 1,180,000.00 | 475,000.00 | 1,130,000.00 | 997,316.00 | 899,530.00 |
| Net Issuance/Repurchase of Equity | 283.00 | 9,340.00 | 27,780.00 | 4,436.00 | 0 |
| Dividends Paid | 2,078.00 | 2,156.00 | 2,317.00 | 2,415.00 | 2,349.00 |
| Other Financing Activities | -641,214.00 | 114,024.00 | -858,542.00 | -990,801.00 | -770,429.00 |
| Net Change in Cash | 61,916.00 | 138,680.00 | -217,006.00 | 35,479.00 | 94,674.00 |
| Cash at Beginning of Period | 404,494.00 | 267,218.00 | 473,558.00 | 407,481.00 | 325,132.00 |
| Cash at End of Period | 466,410.00 | 405,898.00 | 256,552.00 | 442,960.00 | 419,806.00 |
| 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 | 5,639,174.00 | 6,072,573.00 | 5,851,608.00 | 6,228,864.00 | 5,823,259.00 | 5,343,302.00 | 5,340,667.00 | 5,637,513.00 | 5,169,023.00 | 4,947,049.00 | 4,721,319.00 | 5,014,633.00 | 4,264,424.00 | 4,099,806.00 | 4,225,397.00 | 4,697,916.00 | 4,252,292.00 | 4,204,642.00 | 4,188,570.00 | 4,661,719.00 |
| Deposits | 4,915,434.00 | 5,298,789.00 | 4,945,625.00 | 4,933,206.00 | 4,797,710.00 | 4,273,922.00 | 4,273,768.00 | 4,066,973.00 | 12,250,635.00 | 11,562,924.00 | 10,866,870.00 | 3,441,245.00 | 9,577,932.00 | 9,456,303.00 | 9,653,937.00 | 3,178,959.00 | 9,673,785.00 | 9,618,441.00 | 9,652,809.00 | 3,270,885.00 |
| Cash and Short-Term Investments | 787,661.00 | 446,361.00 | 394,454.00 | 945,817.00 | 712,479.00 | 396,786.00 | 481,264.00 | 823,389.00 | 1,563,615.00 | 1,396,893.00 | 911,916.00 | 535,363.00 | 663,156.00 | 623,859.00 | 1,552,647.00 | 938,777.00 | 1,222,545.00 | 986,391.00 | 1,248,615.00 | 880,144.00 |
| Cash and Cash Equivalents | 787,661.00 | 446,361.00 | 394,454.00 | 945,817.00 | 712,479.00 | 396,786.00 | 481,264.00 | 823,389.00 | 1,563,615.00 | 1,396,893.00 | 911,916.00 | 535,363.00 | 663,156.00 | 623,859.00 | 1,552,647.00 | 938,777.00 | 1,222,545.00 | 986,391.00 | 1,248,615.00 | 880,144.00 |
| 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 | 26,674.00 | 31,227.00 | 29,022.00 | 28,180.00 | 27,750.00 | 28,118.00 | 26,809.00 | 26,746.00 | 23,761.00 | 24,101.00 | 22,322.00 | 21,069.00 | 16,918.00 | 17,466.00 | 15,263.00 | 16,037.00 | 14,866.00 | 16,345.00 | 16,433.00 | 17,416.00 |
| 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 | 68,843.00 | 69,930.00 | 70,461.00 | 71,453.00 | 72,150.00 | 72,516.00 | 73,231.00 | 73,463.00 | 74,197.00 | 73,525.00 | 74,248.00 | 72,769.00 | 70,747.00 | 70,288.00 | 68,632.00 | 60,018.00 | 52,700.00 | 44,249.00 | 42,732.00 | 44,319.00 |
| Goodwill | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 | 4,687.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 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 | 5,287,006.00 | 5,682,334.00 | 5,463,861.00 | 5,460,738.00 | 5,438,130.00 | 4,971,349.00 | 4,973,928.00 | 4,911,923.00 | 4,821,279.00 | 4,592,717.00 | 4,365,747.00 | 4,284,685.00 | 3,903,567.00 | 3,734,474.00 | 3,850,742.00 | 3,937,240.00 | 3,881,850.00 | 3,846,001.00 | 3,844,004.00 | 3,999,831.00 |
| 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 | 352,168.00 | 390,239.00 | 387,747.00 | 768,126.00 | 385,129.00 | 371,953.00 | 366,739.00 | 725,590.00 | 347,744.00 | 354,332.00 | 355,572.00 | 729,948.00 | 360,857.00 | 365,332.00 | 374,655.00 | 760,676.00 | 370,442.00 | 358,641.00 | 344,566.00 | 661,888.00 |
| Shareholders Equity | 681,332.00 | 753,911.00 | 746,337.00 | 1,119,536.00 | 745,932.00 | 713,319.00 | 703,376.00 | 1,059,010.00 | 654,291.00 | 675,478.00 | 679,891.00 | 1,061,286.00 | 682,571.00 | 699,914.00 | 726,449.00 | 1,129,975.00 | 727,716.00 | 704,371.00 | 675,212.00 | 975,636.00 |
| Capital Stock | 186,608.00 | 186,116.00 | 185,873.00 | 186,094.00 | 185,631.00 | 185,175.00 | 184,720.00 | 184,700.00 | 185,085.00 | 186,545.00 | 189,202.00 | 192,935.00 | 200,123.00 | 204,071.00 | 214,473.00 | 218,946.00 | 223,059.00 | 222,486.00 | 221,911.00 | 221,408.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 188,564.00 | 230,690.00 | 231,031.00 | 230,622.00 | 223,824.00 | 217,365.00 | 212,121.00 | 207,470.00 | 203,856.00 | 200,973.00 | 197,623.00 | 205,675.00 | 199,877.00 | 192,011.00 | 183,043.00 | 172,431.00 | 160,551.00 | 149,066.00 | 136,575.00 | 126,732.00 |
| 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 | -23,004.00 | -26,567.00 | -29,157.00 | -32,653.00 | -24,326.00 | -30,587.00 | -30,102.00 | -29,375.00 | -41,197.00 | -33,186.00 | -31,253.00 | -33,636.00 | -39,143.00 | -30,750.00 | -22,861.00 | -11,039.00 | -13,168.00 | -12,911.00 | -13,920.00 | -17,196.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2,634,689.00 | 2,724,608.00 | 2,865,862.00 | 3,598,191.00 | 2,527,279.00 | 2,239,310.00 | 2,158,450.00 | 2,995,047.00 | 2,055,492.00 | 1,761,230.00 | 1,777,827.00 | 2,258,117.00 | 2,040,917.00 | 2,125,019.00 | 2,174,744.00 | 2,515,285.00 | 2,272,295.00 | 196,977.00 | 204,570.00 | 2,068,842.00 |
| Debt | 105,386.00 | 105,307.00 | 105,228.00 | 105,150.00 | 105,071.00 | 104,993.00 | 104,915.00 | 104,838.00 | 104,761.00 | 104,684.00 | 104,608.00 | 104,532.00 | 104,456.00 | 104,381.00 | 104,306.00 | 104,231.00 | 104,156.00 | 69,871.00 | 69,794.00 | 79,603.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 2023-12-31 | 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 | 6,017.00 | 3,962.00 | 1,983.00 | -2,291.00 | 4,363.00 | 2,793.00 | 1,323.00 | -1,286.00 | 2,699.00 | 1,635.00 | 785.00 | -4,446.00 | 4,454.00 | 3,583.00 | 1,873.00 | -11,398.00 | 12,274.00 | 8,424.00 | 5,750.00 |
| Cost Of Revenue | 60,110.00 | 25,717.00 | 12,121.00 | -629.00 | 10,360.00 | 6,502.00 | 2,582.00 | -17,050.00 | 11,976.00 | 11,113.00 | 9,415.00 | -658.00 | 2,868.00 | 1,976.00 | 791.00 | -2,811.00 | 1,268.00 | 1,297.00 | 1,276.00 |
| Interest Income | 242,103.00 | 157,715.00 | 76,829.00 | -129,520.00 | 214,116.00 | 139,126.00 | 68,165.00 | -95,916.00 | 173,170.00 | 110,155.00 | 52,033.00 | -62,505.00 | 111,239.00 | 72,140.00 | 36,034.00 | -65,745.00 | 99,691.00 | 66,657.00 | 33,280.00 |
| Interest Expense | 158,665.00 | 104,629.00 | 51,733.00 | -90,276.00 | 150,290.00 | 97,065.00 | 47,431.00 | -58,430.00 | 118,073.00 | 72,436.00 | 32,459.00 | -6,994.00 | 35,815.00 | 20,710.00 | 10,284.00 | -26,593.00 | 36,640.00 | 24,525.00 | 12,755.00 |
| Net Interest | 83,438.00 | 53,086.00 | 25,096.00 | -39,244.00 | 63,826.00 | 42,061.00 | 20,734.00 | -37,486.00 | 55,097.00 | 37,719.00 | 19,574.00 | -55,511.00 | 75,424.00 | 51,430.00 | 25,750.00 | -39,152.00 | 63,051.00 | 42,132.00 | 20,525.00 |
| Non-Interest Income | -8,663.00 | 15,984.00 | 10,427.00 | 5,114.00 | 31,409.00 | 19,380.00 | 8,347.00 | 2,826.00 | 18,724.00 | 11,317.00 | 5,446.00 | -11,862.00 | 15,450.00 | 11,134.00 | 6,820.00 | -15,420.00 | 25,150.00 | 17,337.00 | 8,375.00 |
| Non-Interest Expense | 70,816.00 | 45,357.00 | 23,556.00 | -40,425.00 | 66,153.00 | 43,359.00 | 21,023.00 | -40,522.00 | 59,380.00 | 39,624.00 | 20,954.00 | -37,032.00 | 54,760.00 | 36,765.00 | 18,780.00 | -28,754.00 | 44,843.00 | 30,392.00 | 15,317.00 |
| Provisions for Credit Losses | 60,110.00 | 25,717.00 | 12,121.00 | -629.00 | 10,360.00 | 6,502.00 | 2,582.00 | -17,050.00 | 11,976.00 | 11,113.00 | 9,415.00 | -658.00 | 2,868.00 | 1,976.00 | 791.00 | -2,811.00 | 1,268.00 | 1,297.00 | 1,276.00 |
| Gross Profit | -54,093.00 | -21,755.00 | -10,138.00 | -1,662.00 | -5,997.00 | -3,709.00 | -1,259.00 | 15,764.00 | -9,277.00 | -9,478.00 | -8,630.00 | -3,788.00 | 1,586.00 | 1,607.00 | 1,082.00 | -8,587.00 | 11,006.00 | 7,127.00 | 4,474.00 |
| Selling, General and Administrative Expenses | 16,884.00 | 11,200.00 | 5,625.00 | -8,097.00 | 15,413.00 | 10,370.00 | 4,979.00 | -8,561.00 | 13,871.00 | 9,803.00 | 5,206.00 | -9,112.00 | 15,818.00 | 10,696.00 | 5,670.00 | -3,880.00 | 11,256.00 | 7,648.00 | 3,729.00 |
| EBT | -56,371.00 | -1,828.00 | 34.00 | -8,884.00 | 19,213.00 | 11,603.00 | 5,610.00 | 10,608.00 | 1,382.00 | -1,701.00 | -5,349.00 | -29,968.00 | 33,246.00 | 23,823.00 | 12,999.00 | -25,605.00 | 42,090.00 | 27,780.00 | 12,307.00 |
| Income Tax | 15,914.00 | 2,964.00 | 909.00 | -2,157.00 | 1,267.00 | 647.00 | 429.00 | -2,496.00 | 2,892.00 | 2,566.00 | 2,332.00 | -6,230.00 | 4,056.00 | 3,069.00 | 1,790.00 | -5,774.00 | 6,454.00 | 4,234.00 | 1,857.00 |
| Net Income | -40,457.00 | 1,136.00 | 943.00 | -8,807.00 | 17,946.00 | 10,956.00 | 5,181.00 | 6,295.00 | 4,274.00 | 865.00 | -3,017.00 | -25,612.00 | 29,190.00 | 20,754.00 | 11,209.00 | -21,518.00 | 35,636.00 | 23,546.00 | 10,450.00 |
| EBIT | 102,294.00 | 102,801.00 | 51,767.00 | -99,160.00 | 169,503.00 | 108,668.00 | 53,041.00 | -47,822.00 | 119,455.00 | 70,735.00 | 27,110.00 | -36,962.00 | 69,061.00 | 44,533.00 | 23,283.00 | -52,198.00 | 78,730.00 | 52,305.00 | 25,062.00 |
| Deprecation and Amortization | 5,230.00 | 2,982.00 | 1,070.00 | -2,970.00 | 6,030.00 | 3,846.00 | 1,866.00 | -929.00 | 3,019.00 | 2,918.00 | 1,058.00 | -10,012.00 | 6,745.00 | 4,604.00 | 7,721.00 | -1,114.00 | 6,649.00 | 4,038.00 | 283.00 |
| EBITDA | 107,524.00 | 105,783.00 | 52,837.00 | -102,130.00 | 175,533.00 | 112,514.00 | 54,907.00 | -48,751.00 | 122,474.00 | 73,653.00 | 28,168.00 | -46,974.00 | 75,806.00 | 49,137.00 | 31,004.00 | -53,312.00 | 85,379.00 | 56,343.00 | 25,345.00 |
| 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 | 8,730.52 | 8,724.66 | 8,715.66 | 8,709.84 | 8,688.30 | 8,684.09 | 8,679.43 | -26,841,561.77 | 8,889,532.00 | 8,963,308.00 | 9,024,072.00 | -29,061,766.32 | 9,615,039.00 | 9,694,729.00 | 9,790,122.00 | -19,809,190.90 | 9,922,877.00 | 9,916,087.00 | 9,899.23 |
| Average Shares Outstanding Diluted | 8,730.52 | 8,784.00 | 8,784.97 | 8,806.04 | 8,756.54 | 8,750.02 | 8,750.30 | -26,876,646.44 | 8,907,748.00 | 8,980,262.00 | 9,024,072.00 | -29,277,987.54 | 9,681,742.00 | 9,764,232.00 | 9,870,394.00 | -19,914,275.99 | 9,974,071.00 | 9,970,147.00 | 9,963.04 |
| 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 | -20,274.00 | -57,347.00 | 32,825.00 | -16,594.00 | 19,147.00 | 18,816.00 | 2,791.00 | 15,811.00 | -624.00 | -4,844.00 | 5,898.00 | -73,364.00 | 73,776.00 | 52,001.00 | 32,786.00 | -121,164.00 | 42,943.00 | 41,492.00 | 31,133.00 |
| Operating Net Income | -40,457.00 | 1,136.00 | 943.00 | 41,745.00 | 17,946.00 | 10,956.00 | 5,181.00 | 23,129.00 | 4,274.00 | 865.00 | -3,017.00 | 45,470.00 | 29,190.00 | 20,754.00 | 11,209.00 | 74,710.00 | 35,636.00 | 23,546.00 | 10,450.00 |
| Deprecation and Amortization | 5,230.00 | 2,982.00 | 1,070.00 | -2,970.00 | 6,030.00 | 3,846.00 | 1,866.00 | -929.00 | 3,019.00 | 2,918.00 | 1,058.00 | -10,012.00 | 6,745.00 | 4,604.00 | 7,721.00 | -1,114.00 | 6,649.00 | 4,038.00 | 283.00 |
| Deferred Income Tax | 0 | 0 | 0 | -1,357.00 | 0 | 0 | 0 | -4,353.00 | 0 | 0 | 0 | 4,632.00 | 0 | 0 | 0 | 2,434.00 | 0 | 0 | 0 |
| Share Based Compensation | 733.00 | 243.00 | 1.00 | -523.00 | 1,356.00 | 901.00 | 443.00 | -218.00 | 873.00 | 487.00 | 372.00 | -1,311.00 | 1,967.00 | 1,534.00 | 640.00 | -556.00 | 1,830.00 | 1,262.00 | 692.00 |
| Change in Working Capital | 13,115.00 | 7,898.00 | 366.00 | -9,341.00 | 3,525.00 | 3,370.00 | 4,872.00 | -3,370.00 | 4,385.00 | 4,985.00 | 2,444.00 | 35,679.00 | -19,262.00 | -16,183.00 | -10,399.00 | 8,443.00 | -3,114.00 | -1,631.00 | -10,695.00 |
| Other Operating Activities | 1,105.00 | -69,606.00 | 30,445.00 | -44,148.00 | -9,710.00 | -257.00 | -9,571.00 | 1,552.00 | -13,175.00 | -14,099.00 | 5,041.00 | -147,822.00 | 55,136.00 | 41,292.00 | 23,615.00 | -205,081.00 | 1,942.00 | 14,277.00 | 30,403.00 |
| Investing Cash Flow | 406,615.00 | -296,498.00 | -216,446.00 | 124,554.00 | -341,287.00 | -193,391.00 | -93,267.00 | 208,285.00 | -364,744.00 | -189,057.00 | -132,565.00 | -57,863.00 | -361,831.00 | -192,563.00 | 8,497.00 | 62,184.00 | -30,606.00 | -56,367.00 | 29,344.00 |
| 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 | 940.00 | 834.00 | 184.00 | -1,941.00 | 2,097.00 | 1,496.00 | 940.00 | -5,439.00 | 4,970.00 | 3,132.00 | 2,704.00 | -19,293.00 | 14,368.00 | 12,634.00 | 9,808.00 | -11,979.00 | 30,583.00 | 21,823.00 | 5,697.00 |
| Net Purchase/Sale of Investments Net | 288,463.00 | 233,310.00 | 187,321.00 | -136,140.00 | 286,697.00 | 160,481.00 | 68,022.00 | -104,169.00 | 221,749.00 | 103,178.00 | 43,875.00 | -122,327.00 | 128,730.00 | 96,247.00 | 45,927.00 | -369,476.00 | 405,764.00 | 342,670.00 | 77,180.00 |
| 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 | 0 | 0 | 14,466.00 | 21,093.00 | 207,475.00 | ||||||||||||||
| Other Investing Activities | -682,085.00 | -530,642.00 | -403,951.00 | 262,635.00 | -630,081.00 | -355,368.00 | -162,229.00 | 317,893.00 | -591,463.00 | -295,367.00 | -179,144.00 | 112,689.00 | -519,395.00 | -315,910.00 | -61,704.00 | 422,546.00 | -466,953.00 | -420,860.00 | -53,533.00 |
| Financing Cash Flow | -65,090.00 | 333,796.00 | 111,665.00 | -418,879.00 | 628,721.00 | 165,463.00 | 165,842.00 | -606,568.00 | 630,021.00 | 402,980.00 | 174,087.00 | 296,547.00 | 66,147.00 | -94,445.00 | 33,306.00 | 178,206.00 | -24,628.00 | -76,134.00 | -64,078.00 |
| Net Issuance/Repayment of Debt | 254,500.00 | 239,500.00 | 100,000.00 | -720,000.00 | 960,000.00 | 680,000.00 | 260,000.00 | -270,000.00 | 415,000.00 | 220,000.00 | 110,000.00 | -305,000.00 | 835,000.00 | 490,000.00 | 110,000.00 | 498,658.00 | 278,658.00 | 110,000.00 | 110,000.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | -566.00 | 283.00 | 283.00 | 283.00 | -10,056.00 | 8,620.00 | 6,774.00 | 4,002.00 | -14,204.00 | 20,626.00 | 16,240.00 | 5,118.00 | 4,436.00 | 0 | 0 | 0 |
| Dividends Paid | 1,571.00 | 1,054.00 | 520.00 | -1,070.00 | 1,580.00 | 1,049.00 | 519.00 | -1,106.00 | 1,623.00 | 1,091.00 | 548.00 | -1,180.00 | 1,733.00 | 1,168.00 | 596.00 | -1,189.00 | 1,802.00 | 1,201.00 | 601.00 |
| Other Financing Activities | -321,161.00 | 93,242.00 | 11,145.00 | 302,757.00 | -333,142.00 | -515,869.00 | -94,960.00 | -325,406.00 | 204,778.00 | 175,115.00 | 59,537.00 | 616,931.00 | -791,212.00 | -601,853.00 | -82,408.00 | -323,699.00 | -305,088.00 | -187,335.00 | -174,679.00 |
| Net Change in Cash | 321,251.00 | -20,049.00 | -71,956.00 | -310,919.00 | 306,581.00 | -9,112.00 | 75,366.00 | -382,472.00 | 264,653.00 | 209,079.00 | 47,420.00 | 165,320.00 | -221,908.00 | -235,007.00 | 74,589.00 | 142,380.00 | -12,291.00 | -91,009.00 | -3,601.00 |
| Cash at Beginning of Period | 466,410.00 | 466,410.00 | 466,410.00 | 777,329.00 | 405,898.00 | 405,898.00 | 405,898.00 | 788,370.00 | 256,552.00 | 256,552.00 | 256,552.00 | 91,232.00 | 442,960.00 | 442,960.00 | 442,960.00 | 300,580.00 | 419,806.00 | 419,806.00 | 419,806.00 |
| Cash at End of Period | 787,661.00 | 446,361.00 | 394,454.00 | 466,410.00 | 712,479.00 | 396,786.00 | 481,264.00 | 405,898.00 | 521,205.00 | 465,631.00 | 303,972.00 | 256,552.00 | 221,052.00 | 207,953.00 | 517,549.00 | 442,960.00 | 407,515.00 | 328,797.00 | 416,205.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |