ISTR

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 10.66 8.82 6.08 23.91 13.02
Price to Sales 2.46 1.77 2.06 2.63
Book Value Per Common Share 68.73 65.16 60.44 70.47 68.97
Price to Book 0.32 0.23 0.36 0.26 0.24
Price to Operating Cash Flow 4.44 5.24 3.71 2.85 12.07
Price to Free Cash Flow
Enterprise Value to EBITDA 20718.65 16913.92 32256.05 70160.18 40862.04
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 2020-12-31
Price to Earnings 13.90 17.56 27.52 13.47 17.30 34.08 7.96 11.53 36.74 7.54 11.53 19.48 220.20 21.80 40.29
Price to Sales 3.26 4.13 7.23 2.98 3.63 7.47 1.65 2.71 6.63 2.51 4.04 7.01 4.55 5.12 10.00
Book Value Per Common Share 56.30 47.79 46.90 68.73 46.05 41.85 36.40 65.16 36.50 39.42 39.66 60.44 36.44 40.50 43.82 70.47 45.83 48.50 48.15 68.97
Price to Book 0.41 0.40 0.38 0.32 0.42 0.37 0.45 0.23 0.29 0.31 0.35 0.36 0.55 0.54 0.44 0.26 0.48 0.47 0.43 0.24
Price to Operating Cash Flow 15.64 24.84 38.67 11.76 14.19 20.41 4.03 7.84 11.18 6.02 10.31 9.76 8.03 11.33 22.84
Price to Free Cash Flow
Enterprise Value to EBITDA 32175.56 40814.45 70370.45 25222.05 30499.13 63049.25 17401.20 30073.60 83783.50 44816.43 72071.01 127350.56 194944.77 113529.13 205979.45

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 21.89 -52.26 359.74 -39.37
Revenue YoY 5.27 -21.06 44.18
EBITDA YoY 21.20 30.04 143.52 -36.80
Net Profit YoY 21.43 -53.29 346.36 -42.40
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 51.82 71.88 61.80 85.42 26.67 176.32 38.95 93.88 -90.48 105.88
Revenue YoY 52.08 92.39 53.53 95.23 43.34 111.68 44.95 97.44 8.02 116.36
EBITDA YoY 52.17 89.51 52.28 95.53 50.35 140.07 44.32 97.11 -44.36 101.63
Net Profit YoY 57.28 71.41 61.40 86.19 26.85 171.75 37.44 93.08 -90.37 106.12

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 5.79 6.71 8.72 19.11 8.33
Quick Ratio
Current Ratio
Debt to Equity 5.20 5.83 6.01 4.79 4.37
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 3.60 5.61 4.43 5.78 8.78 7.09 4.28 6.77 6.57 6.78 3.28 8.88 3.76 5.19 9.02 19.25 33.74 25.67 9.64 8.52
Quick Ratio
Current Ratio
Debt to Equity 8.48 9.74 9.84 5.20 10.41 11.11 11.28 5.83 12.37 11.61 11.60 6.01 11.94 10.81 10.01 4.79 10.41 9.66 4.44 4.37
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.68 0.54 1.18 0.28 0.53
ROE 4.20 3.68 8.27 1.65 2.85
Gross Margin 96.02 97.59 97.22 68.64
Operating Margin 112.67 95.25 56.20 29.65
EBITDA Margin 119.14 103.48 62.82 37.19
Net Profit Margin 23.16 20.08 33.94 10.96
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 0.61 0.39 0.23 0.50 0.31 0.17 0.47 0.38 0.14 1.01 0.75 0.39 0.04 0.41 0.20
ROE 5.75 4.21 2.50 5.76 3.81 2.07 6.30 4.74 1.75 13.03 8.89 4.32 0.45 4.41 1.10
Gross Margin 95.27 92.50 84.99 95.66 95.61 93.36 96.07 94.45 98.14 97.95 99.11 96.81 55.97 98.90 98.15
Operating Margin 97.55 97.54 99.38 114.26 115.15 115.01 89.44 85.05 74.25 51.54 52.14 52.42 21.34 43.82 46.88
EBITDA Margin 101.14 101.08 102.61 117.96 118.92 118.74 94.07 89.69 79.08 54.60 54.84 54.93 23.14 44.92 48.21
Net Profit Margin 24.21 23.41 26.27 22.07 20.99 22.01 20.76 23.46 18.27 33.30 35.12 35.91 2.11 23.64 24.82

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 2,991,343.00 3,096,907.00 3,024,370.00 2,809,031.00 2,614,930.00
   Deposits 2,345,944.00 2,255,727.00 2,082,365.00 2,120,266.00 1,887,824.00
      Cash and Short-Term Investments 56,795.00 66,038.00 87,916.00 199,085.00 90,414.00
            Cash and Cash Equivalents 56,795.00 64,858.00 86,671.00 197,275.00 90,414.00
            Short-Term Investments 0 1,180.00 1,245.00 1,810.00 0
      Net Receivables 14,786,054.00 15,346,633.00 2,095,088.00 1,868,626.00 12,969.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 42,705.00 44,183.00 49,587.00 58,080.00 60,203.00
      Goodwill 40,100.00 40,100.00 40,100.00 40,100.00 28,100.00
      Intangible Assets 7,486.00 7,486.00 7,486.00 7,486.00 6,637.00
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 17,120.00 16,910.00 16,438.00 2,239.00 1,360.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 2,508,751.00 2,643,371.00 2,592,806.00 2,323,835.00 2,128,362.00
      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 0 212,500.00 0 0 0
      Other Current Liabilities 0 0 0 0 0
      Long-Term Debt 0 0 0 0 0
      Other Non-Current Liabilities 0 0 0 0 0
Equity 482,592.00 453,536.00 431,564.00 485,196.00 486,568.00
   Shareholders Equity 675,531.00 635,157.00 598,433.00 728,957.00 731,657.00
      Capital Stock 9,828.00 9,748.00 9,902.00 10,343.00 10,609.00
      Share Premium 146,890.00 145,456.00 146,587.00 154,932.00 159,485.00
      Retained Earnings 132,935.00 116,711.00 108,206.00 76,160.00 71,385.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -48,357.00 -45,147.00 -48,913.00 1,163.00 1,805.00
   Minority Interest 0 0 0 0 0
Investments 14,792,217.00 15,480,871.00 2,643,705.00 2,207,875.00 1,118,724.00
Debt 102,492.00 397,220.00 183,740.00 179,282.00 163,088.00
Net Debt 45,697.00 331,182.00 95,824.00 0 72,674.00
Common Shares Outstanding 9,828.41 9,748.07 9,901.85 10,343.49 10,608.87
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 87,438.00 83,058.00 105,213.00 72,971.00 0
Cost Of Revenue 3,480.00 2,000.00 2,922.00 22,885.00 11,160.00
Interest Income 143,865.00 133,201.00 114,847.00 106,042.00 99,407.00
Interest Expense 74,112.00 58,681.00 14,784.00 11,728.00 20,260.00
Net Interest 69,753.00 74,520.00 89,785.00 83,814.00 73,534.00
Non-Interest Income 14,205.00 6,538.00 18,350.00 12,842.00 12,096.00
Non-Interest Expense 63,032.00 62,630.00 60,865.00 63,062.00 57,131.00
Provisions for Credit Losses -3,480.00 -2,000.00 2,922.00 22,885.00 11,160.00
Gross Profit 83,958.00 81,058.00 102,291.00 50,086.00 0
   Selling, General and Administrative Expenses 8,354.00 8,711.00 8,551.00 7,725.00 7,157.00
EBT 24,406.00 20,428.00 44,348.00 9,909.00 17,339.00
Income Tax 3,520.00 2,918.00 7,712.00 1,161.00 2,765.00
Net Income 20,252.00 16,678.00 35,709.00 8,000.00 13,889.00
EBIT 98,518.00 79,109.00 59,132.00 21,637.00 37,599.00
Deprecation and Amortization 5,657.00 6,842.00 6,963.00 5,504.00 5,345.00
EBITDA 104,175.00 85,951.00 66,095.00 27,141.00 42,944.00
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 9,813.69 9,839.26 10,085.76 10,416.15 10,850.94
Average Shares Outstanding Diluted 9,936.08 9,841.84 10,180.71 10,500.30 10,865.85
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 48,531.00 27,984.00 58,469.00 67,373.00 14,872.00
   Operating Net Income 60,756.00 50,034.00 107,127.00 27,600.00 41,667.00
   Deprecation and Amortization 5,657.00 6,842.00 6,963.00 5,504.00 5,345.00
   Deferred Income Tax 659.00 -350.00 -655.00 -547.00 -1,388.00
   Share Based Compensation 1,956.00 1,988.00 2,107.00 1,741.00 1,644.00
   Change in Working Capital -139.00 -2,085.00 5,562.00 916.00 1,604.00
   Other Operating Activities -20,358.00 -28,445.00 -62,635.00 32,159.00 -34,000.00
Investing Cash Flow 88,900.00 -73,775.00 -350,737.00 12,305.00 -147,371.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 1,847.00 1,114.00 5,748.00 3,512.00 7,590.00
   Net Purchase/Sale of Investments Net 124,182.00 303,536.00 264,346.00 483,077.00 251,795.00
   Net Purchase/Sale of Business 0 -596.00 0 32,823.00 10,809.00
   Net Loan & Lease Activity 0 163,842.00 0 0 0
   Other Investing Activities -37,129.00 -541,671.00 -620,831.00 -507,107.00 -417,565.00
Financing Cash Flow -141,407.00 32,228.00 238,446.00 -34,490.00 107,315.00
   Net Issuance/Repayment of Debt -129,257.00 251,133.00 352,717.00 -41,870.00 -2,242.00
   Net Issuance/Repurchase of Equity 1,284.00 6,262.00 21,346.00 15,314.00 11,112.00
   Dividends Paid 3,972.00 3,844.00 3,552.00 3,090.00 2,686.00
   Other Financing Activities -17,406.00 -229,011.00 -139,169.00 -11,024.00 95,759.00
Net Change in Cash -3,976.00 -13,563.00 -53,822.00 45,188.00 -25,184.00
   Cash at Beginning of Period 31,898.00 45,572.00 94,081.00 51,853.00 60,552.00
   Cash at End of Period 27,922.00 32,009.00 40,259.00 97,041.00 35,368.00
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 2,800,628.00 2,748,065.00 2,729,902.00 2,991,343.00 2,802,573.00 2,787,578.00 2,787,706.00 3,096,907.00 2,789,533.00 2,753,674.00 2,751,669.00 3,024,370.00 2,661,694.00 2,590,607.00 2,572,708.00 2,809,031.00 2,696,048.00 2,672,907.00 2,645,956.00 2,614,930.00
   Deposits 2,372,678.00 2,338,185.00 2,347,357.00 2,345,944.00 2,287,408.00 2,210,202.00 2,207,828.00 2,255,727.00 2,209,433.00 2,180,853.00 2,145,647.00 2,082,365.00 2,052,683.00 2,062,670.00 2,186,004.00 2,120,266.00 2,303,641.00 2,260,166.00 4,225,760.00 1,887,824.00
      Cash and Short-Term Investments 35,373.00 55,224.00 43,522.00 56,795.00 86,340.00 69,672.00 41,845.00 66,038.00 64,824.00 67,041.00 32,534.00 87,916.00 38,145.00 53,110.00 93,214.00 199,085.00 352,291.00 268,525.00 101,267.00 90,414.00
            Cash and Cash Equivalents 35,373.00 55,224.00 43,522.00 56,795.00 86,340.00 69,672.00 41,845.00 64,858.00 63,668.00 65,907.00 31,293.00 86,671.00 36,013.00 50,950.00 91,605.00 197,275.00 350,491.00 266,773.00 99,467.00 90,414.00
            Short-Term Investments 0 0 0 0 0 0 0 1,180.00 1,156.00 1,134.00 1,241.00 1,245.00 2,132.00 2,160.00 1,609.00 1,810.00 1,800.00 1,752.00 1,800.00 0
      Net Receivables 14,858.00 14,028.00 14,678,410.00 14,786,054.00 19,358,586.00 19,449,415.00 15,196,133.00 15,346,633.00 18,136,454.00 17,995,078.00 18,148,079.00 2,095,088.00 1,996,422.00 1,908,670.00 1,870,886.00 1,868,626.00 1,877,649.00 1,945,162.00 1,963,709.00 12,969.00
      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 41,632.00 41,894.00 42,450.00 42,705.00 43,895.00 44,583.00 44,659.00 44,183.00 44,764.00 45,925.00 47,698.00 49,587.00 53,327.00 54,396.00 58,404.00 58,080.00 65,119.00 66,188.00 60,331.00 60,203.00
      Goodwill 0 0 0 40,100.00 0 0 0 40,100.00 0 0 0 40,100.00 0 0 0 40,100.00 0 0 0 28,100.00
      Intangible Assets 0 0 0 7,486.00 0 0 0 7,486.00 0 0 0 7,486.00 0 0 0 7,486.00 0 0 0 6,637.00
      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 14,362.00 15,328.00 15,646.00 17,120.00 14,719.00 17,595.00 17,779.00 16,910.00 20,989.00 17,658.00 16,434.00 16,438.00 16,587.00 11,506.00 6,600.00 2,239.00 1,493.00 508.00 0 1,360.00
      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 2,505,333.00 2,492,136.00 2,478,165.00 2,508,751.00 2,557,031.00 2,557,382.00 2,560,701.00 2,643,371.00 2,580,816.00 2,535,317.00 2,533,211.00 2,592,806.00 2,455,994.00 2,371,238.00 2,339,051.00 2,323,835.00 2,459,724.00 2,422,192.00 2,159,705.00 2,128,362.00
      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 0 109,000.00 229,000.00 229,000.00 212,500.00 235,800.00 235,800.00 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 295,295.00 255,929.00 251,737.00 482,592.00 245,542.00 230,196.00 227,005.00 453,536.00 208,717.00 218,357.00 218,458.00 431,564.00 205,700.00 219,369.00 233,657.00 485,196.00 236,324.00 250,715.00 486,251.00 486,568.00
   Shareholders Equity 553,224.00 470,232.00 460,595.00 675,531.00 452,545.00 411,331.00 356,096.00 635,157.00 356,982.00 387,549.00 392,666.00 598,433.00 360,797.00 405,964.00 451,743.00 728,957.00 474,047.00 505,018.00 502,497.00 731,657.00
      Capital Stock 40,179.00 9,840.00 9,821.00 9,828.00 9,828.00 9,829.00 9,782.00 9,748.00 9,780.00 9,831.00 9,901.00 9,902.00 9,901.00 10,025.00 10,310.00 10,343.00 10,344.00 10,413.00 10,436.00 10,609.00
      Share Premium 146,304.00 146,107.00 146,598.00 146,890.00 146,393.00 145,918.00 145,739.00 145,456.00 145,241.00 145,347.00 146,027.00 146,587.00 146,155.00 148,230.00 153,531.00 154,932.00 154,527.00 155,847.00 155,822.00 159,485.00
      Retained Earnings 146,178.00 141,608.00 138,197.00 132,935.00 127,860.00 123,510.00 120,441.00 116,711.00 114,148.00 112,344.00 106,780.00 108,206.00 100,247.00 93,888.00 85,387.00 76,160.00 70,054.00 80,867.00 75,998.00 71,385.00
      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 -37,366.00 -41,626.00 -42,879.00 -48,357.00 -38,539.00 -49,061.00 -48,957.00 -45,147.00 -60,452.00 -49,165.00 -44,250.00 -48,913.00 -50,603.00 -32,774.00 -15,571.00 1,163.00 2,699.00 5,888.00 10,295.00 1,805.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 92,700.00 88,308.00 14,777,011.00 14,792,217.00 19,387,494.00 19,382,146.00 15,206,819.00 15,480,871.00 18,510,586.00 18,288,229.00 18,477,703.00 2,643,705.00 2,531,585.00 2,582,698.00 2,548,757.00 2,207,875.00 1,722,313.00 1,693,494.00 1,887,127.00 1,118,724.00
Debt 51,952.00 51,845.00 51,739.00 102,492.00 289,330.00 529,207.00 535,991.00 397,220.00 550,344.00 550,168.00 78,428.00 183,740.00 78,137.00 78,024.00 76,692.00 179,282.00 76,836.00 74,023.00 59,956.00 163,088.00
Net Debt 16,579.00 0 8,217.00 45,697.00 202,990.00 459,535.00 494,146.00 331,182.00 485,520.00 483,127.00 45,894.00 95,824.00 39,992.00 24,914.00 0 0 0 0 0 72,674.00
Common Shares Outstanding 9,825.88 9,839.85 9,821.45 9,828.41 9,827.62 9,828.83 9,781.95 9,748.07 9,779.69 9,831.15 9,900.65 9,901.85 9,901.08 10,025.00 10,310.21 10,343.49 10,343.42 10,413.39 10,436.49 10,608.87
Preferred Shares Outstanding 32.50 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 70,079.00 46,081.00 23,952.00 -39,782.00 64,091.00 41,746.00 21,383.00 -45,259.00 63,298.00 44,158.00 20,861.00 -58,995.00 80,521.00 55,551.00 28,136.00 -45,841.00 50,481.00 46,732.00 21,599.00
Cost Of Revenue 3,316.00 3,455.00 3,596.00 -2,552.00 2,779.00 1,834.00 1,419.00 -3,326.00 2,486.00 2,452.00 388.00 -122.00 1,654.00 492.00 898.00 -256.00 22,227.00 514.00 400.00
Interest Income 106,888.00 69,793.00 34,434.00 -71,729.00 108,360.00 71,512.00 35,722.00 -57,682.00 96,533.00 63,373.00 30,977.00 -45,877.00 82,389.00 52,513.00 25,822.00 -42,608.00 74,998.00 49,504.00 24,148.00
Interest Expense 47,746.00 31,804.00 16,089.00 -37,582.00 56,090.00 37,098.00 18,506.00 -17,440.00 40,504.00 24,813.00 10,804.00 411.00 7,931.00 4,396.00 2,046.00 -7,566.00 9,442.00 6,517.00 3,335.00
Net Interest 59,142.00 37,989.00 18,345.00 -34,147.00 52,270.00 34,414.00 17,216.00 -40,242.00 56,029.00 38,560.00 20,173.00 -43,101.00 67,266.00 43,799.00 21,821.00 -38,966.00 62,347.00 40,799.00 19,634.00
Non-Interest Income 7,621.00 4,637.00 2,011.00 -3,083.00 9,042.00 5,498.00 2,748.00 -2,467.00 4,783.00 3,146.00 1,076.00 -14,669.00 14,909.00 12,244.00 5,866.00 -6,331.00 10,361.00 6,447.00 2,365.00
Non-Interest Expense 49,464.00 32,938.00 16,238.00 -29,990.00 46,953.00 30,773.00 15,296.00 -32,151.00 47,190.00 31,416.00 16,175.00 -32,505.00 46,952.00 30,985.00 15,433.00 -33,666.00 49,150.00 32,769.00 14,809.00
Provisions for Credit Losses -3,316.00 -3,455.00 -3,596.00 2,552.00 -2,779.00 -1,834.00 -1,419.00 2,550.00 -2,486.00 -2,452.00 388.00 1,674.00 1,654.00 492.00 -898.00 -256.00 22,227.00 514.00 400.00
Gross Profit 66,763.00 42,626.00 20,356.00 -37,230.00 61,312.00 39,912.00 19,964.00 -41,933.00 60,812.00 41,706.00 20,473.00 -58,873.00 78,867.00 55,059.00 27,238.00 -45,585.00 28,254.00 46,218.00 21,199.00
   Selling, General and Administrative Expenses 6,516.00 4,409.00 2,240.00 -3,970.00 6,236.00 4,110.00 1,978.00 -4,953.00 6,584.00 4,479.00 2,601.00 -3,925.00 6,322.00 4,107.00 2,047.00 -3,633.00 5,696.00 3,880.00 1,782.00
EBT 20,615.00 13,143.00 7,714.00 -9,792.00 17,138.00 10,973.00 6,087.00 -13,108.00 16,108.00 12,742.00 4,686.00 -26,490.00 33,569.00 24,566.00 12,703.00 -12,175.00 1,331.00 13,963.00 6,790.00
Income Tax 3,649.00 2,356.00 1,421.00 -3,062.00 2,993.00 2,209.00 1,380.00 -3,307.00 2,968.00 2,383.00 874.00 -6,705.00 6,758.00 5,059.00 2,600.00 -3,451.00 267.00 2,915.00 1,430.00
Net Income 16,966.00 10,787.00 6,293.00 -7,364.00 14,145.00 8,764.00 4,707.00 -10,633.00 13,140.00 10,359.00 3,812.00 -20,712.00 26,811.00 19,507.00 10,103.00 -9,472.00 1,064.00 11,048.00 5,360.00
EBIT 68,361.00 44,947.00 23,803.00 -47,374.00 73,228.00 48,071.00 24,593.00 -30,548.00 56,612.00 37,555.00 15,490.00 -26,079.00 41,500.00 28,962.00 14,749.00 -19,741.00 10,773.00 20,480.00 10,125.00
Deprecation and Amortization 2,519.00 1,631.00 775.00 916.00 2,371.00 1,573.00 797.00 853.00 2,933.00 2,049.00 1,007.00 2,291.00 2,465.00 1,501.00 706.00 3,794.00 909.00 514.00 287.00
EBITDA 70,880.00 46,578.00 24,578.00 -46,458.00 75,599.00 49,644.00 25,390.00 -29,695.00 59,545.00 39,604.00 16,497.00 -23,788.00 43,965.00 30,463.00 15,455.00 -15,947.00 11,682.00 20,994.00 10,412.00
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 9,835.78 9,844.35 9,832.62 9,828.47 9,828.78 9,827.90 9,769.63 9,685.57 9,867.78 9,894.75 9,908.93 9,617.29 10,148.63 10,241.78 10,335.33 10,252.56 10,440.64 10,461.91 10,509.47
Average Shares Outstanding Diluted 11,527.88 9,958.39 9,960.94 10,072.73 9,902.45 9,902.17 9,866.97 9,588.21 9,875.82 9,910.87 9,992.47 9,775.15 10,229.17 10,312.73 10,405.78 10,363.01 10,528.86 10,542.16 10,567.17
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 14,595.00 7,656.00 4,478.00 13,821.00 16,218.00 10,662.00 7,830.00 -25,613.00 25,951.00 15,275.00 12,371.00 -17,056.00 33,549.00 21,765.00 20,211.00 8,153.00 28,622.00 21,144.00 9,454.00
   Operating Net Income 16,966.00 10,787.00 6,293.00 33,140.00 14,145.00 8,764.00 4,707.00 22,723.00 13,140.00 10,359.00 3,812.00 50,706.00 26,811.00 19,507.00 10,103.00 10,128.00 1,064.00 11,048.00 5,360.00
   Deprecation and Amortization 2,519.00 1,631.00 775.00 916.00 2,371.00 1,573.00 797.00 853.00 2,933.00 2,049.00 1,007.00 2,291.00 2,465.00 1,501.00 706.00 3,794.00 909.00 514.00 287.00
   Deferred Income Tax -216.00 -28.00 -8.00 -283.00 404.00 375.00 163.00 62.00 -286.00 -10.00 -116.00 92.00 -588.00 -246.00 87.00 -1,440.00 136.00 390.00 367.00
   Share Based Compensation 1,476.00 964.00 450.00 -818.00 1,442.00 923.00 409.00 -850.00 1,466.00 939.00 433.00 -515.00 1,371.00 869.00 382.00 -889.00 1,336.00 894.00 400.00
   Change in Working Capital 3,360.00 -733.00 1,938.00 -12,069.00 4,146.00 4,488.00 3,296.00 1,273.00 2,456.00 -1,650.00 -4,164.00 -7,812.00 4,426.00 3,956.00 4,992.00 -10,037.00 5,784.00 5,421.00 -252.00
   Other Operating Activities -9,510.00 -4,965.00 -4,970.00 -7,065.00 -6,290.00 -5,461.00 -1,542.00 -49,674.00 6,242.00 3,588.00 11,399.00 -61,818.00 -936.00 -3,822.00 3,941.00 6,597.00 19,393.00 2,877.00 3,292.00
Investing Cash Flow -59,026.00 7,915.00 15,675.00 -87,195.00 74,776.00 65,424.00 35,895.00 -61,164.00 -25,112.00 23,527.00 -11,026.00 154,993.00 -263,841.00 -157,463.00 -84,426.00 -178,489.00 126,837.00 87,434.00 -23,477.00
   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 928.00 431.00 215.00 -2,952.00 1,728.00 1,619.00 1,452.00 -702.00 946.00 546.00 324.00 -7,821.00 5,435.00 5,307.00 2,827.00 -4,340.00 3,296.00 3,127.00 1,429.00
   Net Purchase/Sale of Investments Net 111,343.00 67,958.00 29,919.00 -4,474.00 62,998.00 44,738.00 20,920.00 -140,722.00 237,176.00 180,368.00 26,714.00 -302,373.00 246,047.00 197,520.00 123,152.00 -310,869.00 364,455.00 316,071.00 113,420.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 1,192.00 -596.00 -596.00 -596.00 0 0 0 0 49,047.00 -8,112.00 -8,112.00 0
   Net Loan & Lease Activity 0 163,842.00 0 0 0
   Other Investing Activities -171,297.00 -60,474.00 -14,459.00 -79,769.00 10,050.00 19,067.00 13,523.00 -48,887.00 -298,525.00 -156,791.00 -37,468.00 465,187.00 -515,323.00 -360,290.00 -210,405.00 87,673.00 -232,802.00 -223,652.00 -138,326.00
Financing Cash Flow 51,882.00 11,731.00 -4,553.00 -32,432.00 -36,663.00 -38,423.00 -33,889.00 33,123.00 22,570.00 -13,154.00 -10,311.00 -79,204.00 169,264.00 89,607.00 58,779.00 -395,103.00 159,664.00 122,827.00 78,122.00
   Net Issuance/Repayment of Debt 6,690.00 2,647.00 2,926.00 -141,134.00 -19,139.00 15,299.00 15,717.00 61,244.00 279,730.00 -62,517.00 -27,324.00 -97,118.00 298,649.00 155,664.00 -4,478.00 75,522.00 -41,073.00 -36,940.00 -39,379.00
   Net Issuance/Repurchase of Equity 32,020.00 1,346.00 649.00 -2,375.00 1,664.00 1,626.00 369.00 336.00 2,793.00 2,116.00 1,017.00 1,731.00 10,467.00 7,604.00 1,544.00 -87.00 6,925.00 4,481.00 3,995.00
   Dividends Paid 3,146.00 2,063.00 1,032.00 -1,900.00 2,940.00 1,957.00 975.00 -1,846.00 2,864.00 1,883.00 943.00 -1,592.00 2,609.00 1,706.00 829.00 -1,290.00 2,261.00 1,426.00 693.00
   Other Financing Activities 10,026.00 5,675.00 -9,160.00 112,977.00 -22,128.00 -57,305.00 -50,950.00 -26,611.00 -262,817.00 45,364.00 15,053.00 17,775.00 -142,461.00 -75,367.00 60,884.00 -469,248.00 191,551.00 153,860.00 112,813.00
Net Change in Cash 7,451.00 27,302.00 15,600.00 -105,806.00 54,331.00 37,663.00 9,836.00 -53,654.00 23,409.00 25,648.00 -8,966.00 58,733.00 -61,028.00 -46,091.00 -5,436.00 -565,439.00 315,123.00 231,405.00 64,099.00
   Cash at Beginning of Period 27,922.00 27,922.00 27,922.00 133,728.00 32,009.00 32,009.00 32,009.00 85,663.00 40,259.00 40,259.00 40,259.00 -18,474.00 97,041.00 97,041.00 97,041.00 662,480.00 35,368.00 35,368.00 35,368.00
   Cash at End of Period 35,373.00 55,224.00 43,522.00 27,922.00 86,340.00 69,672.00 41,845.00 32,009.00 63,668.00 65,907.00 31,293.00 40,259.00 36,013.00 50,950.00 91,605.00 97,041.00 350,491.00 266,773.00 99,467.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0