Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 5.27 4.46 -13.84 3.34
Price to Sales 0.74 1.13 1.15 0.94
Book Value Per Common Share 26.63 25.83 20.59 29.52 23.94
Price to Book 0.69 0.73 0.81 0.89
Price to Operating Cash Flow 2.44 -10.98 -2.38 -2.12
Price to Free Cash Flow
Enterprise Value to EBITDA 20143.56 18055.01 123146.96 10144.83
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 14.38 55.61 -80.91 9.27 12.64 25.91 5.62 13.18 50.00 -13.07 -13.13 -183.00 3.75 5.12
Price to Sales 1.18 1.87 5.08 0.97 1.23 1.83 1.47 2.29 5.09 1.58 2.16 4.71 1.25 1.94
Book Value Per Common Share 33.39 31.67 30.93 26.63 27.14 24.42 24.20 25.83 23.07 23.29 22.83 20.59 20.30 22.18 26.61 29.52 29.04 27.56 25.38 23.94
Price to Book 0.55 0.54 0.58 0.69 0.75 0.79 0.82 0.73 0.75 0.77 0.81 0.81 0.90 0.84 0.83 0.89 0.90 0.94
Price to Operating Cash Flow 3.02 5.13 6.20 2.67 3.49 11.56 -5.70 -3.38 -8.24 -2.81 -3.77 14.19 -4.27 -11.44
Price to Free Cash Flow
Enterprise Value to EBITDA 39705.69 76717.05 283540.07 26650.23 39692.91 80182.10 22822.24

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -18.16 126.96
Revenue YoY 50.89 32.46 -32.58 283.75
EBITDA YoY -12.99 692.45 -92.37 69.44
Net Profit YoY -17.58 133.03
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 309.68 44.74 97.40 125.00 267.57 369900.00 38.49 76.84
Revenue YoY 67.40 163.62 34.65 43.20 49.09 115.96 49.48 99.29 58.23 68.73
EBITDA YoY 104.63 259.07 58.01 95.13 111.82 220.59 42.00 106.65
Net Profit YoY 277.72 44.48 97.91 124.00 253.45 -66.80 38.74 78.77

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 49.77 73.22 53.55 34.81 9.53
Quick Ratio
Current Ratio
Debt to Equity 0.68 0.68 0.64 0.61 0.55
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 72.36 54.51 53.81 49.70 46.03 53.66 55.81 71.78 36.72 34.55 33.03 46.61 44.86 55.12 45.06 34.02 44.99 53.73 46.64 9.36
Quick Ratio
Current Ratio
Debt to Equity 0.70 0.70 0.70 0.68 0.74 0.74 0.75 0.68 0.68 0.67 0.68 0.64 0.66 0.66 0.67 0.61 0.69 0.68 0.71 0.55
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.15 0.21 -0.05 0.32 0.64
ROE 0.25 0.35 -0.08 0.51 1.00
Gross Margin 27.10 56.12 68.74 68.12
Operating Margin 36.36 63.53 7.37 92.20 213.76
EBITDA Margin 36.90 64.00 10.70 94.58 214.20
Net Profit Margin 14.06 25.74 -7.68 28.74 47.33
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 0.06 0.02 -0.01 0.11 0.08 0.04 0.18 0.08 0.02 -0.07 -0.06 0.00 0.32 0.26 0.16
ROE 0.11 0.03 -0.02 0.19 0.14 0.07 0.31 0.14 0.04 -0.11 -0.11 -0.01 0.53 0.44 0.27
Gross Margin 44.81 45.12 45.07 21.89 10.46 -2.52 60.17 51.69 51.17 73.52 81.24 73.73 99.64 99.54 99.57
Operating Margin 29.02 23.42 16.22 36.02 30.81 22.68 65.82 46.14 30.42 1.47 -5.47 52.48 111.65 124.68 102.20
EBITDA Margin 29.89 24.45 17.95 36.50 31.11 22.83 66.33 46.69 31.45 5.49 -1.28 55.20 114.31 127.38 104.01
Net Profit Margin 8.92 3.95 -5.98 10.48 9.76 7.06 26.73 17.79 10.87 -11.44 -15.74 -2.04 34.00 38.77 36.60

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 2,035,652,911.00 1,806,876,938.00 1,668,384,089.00 1,470,975,749.00 310,835,328.00
      Cash and Short-Term Investments 44,144,886.00 63,522,016.00 40,132,293.00 20,267,404.00 5,363,009.00
            Cash and Cash Equivalents 44,144,886.00 63,522,016.00 40,132,293.00 20,267,404.00 5,363,009.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 0 0 0 1,018,872.00 644,028.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 0 0 0 0 951,364.00
      Goodwill 0 0 0 0 83,500.00
      Intangible Assets 5,198,943.00 4,450,824.00 1,722,681.00 1,407,149.00 0
      Long-Term Investments 0 143,300.00 1,100,000.00 1,200,000.00 0
      Non-Current Deferred Assets 0 0 0 0 83,822.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 820,683,951.00 729,998,019.00 653,777,272.00 555,505,574.00 110,583,159.00
      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 1,214,968,960.00 1,076,878,919.00 1,014,606,817.00 915,470,175.00 200,252,169.00
   Shareholders Equity 23,651,568.00 22,858,694.00 17,728,820.00 17,582,164.00 13,716,818.00
      Capital Stock 8,882.00 8,850.00 1,124,403.00 1,124,336.00 1,606,831.00
      Share Premium 18,406,718.00 17,549,157.00 16,190,407.00 8,997,435.00 8,687,817.00
      Retained Earnings 12,282,513.00 9,818,336.00 6,315,711.00 7,670,182.00 3,440,782.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -7,046,545.00 -4,517,649.00 -5,901,701.00 -209,789.00 -18,612.00
   Minority Interest 36,747,947.00 34,904,791.00 35,778,000.00 40,474,565.00 27,083,098.00
Investments 507,608,013.00 449,796,274.00 420,037,623.00 390,340,029.00 170,087,791.00
Debt 220,505,201.00 241,818,172.00 347,901.00 36,914,472.00 33,501,204.00
Net Debt 176,360,315.00 178,296,156.00 0 16,647,068.00 28,138,195.00
Common Shares Outstanding 888,232.17 885,005.59 861,110.48 595,663.62 572,893.74
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 21,878,698.00 14,499,312.00 10,946,406.00 16,236,148.00 4,230,891.00
   Net Premiums 23,696,502.00 1,975,675.00 1,182,461.00 2,226,078.00 0
Cost Of Revenue 15,949,420.00 6,362,257.00 3,421,780.00 5,175,944.00 0
Interest Income 6,533,483.00 6,324,736.00 3,674,066.00 2,744,360.00 4,720,832.00
Interest Expense 3,346,726.00 3,129,172.00 1,865,966.00 1,320,551.00 3,317,392.00
Net Interest 3,186,757.00 3,195,564.00 1,808,100.00 1,423,809.00 1,403,440.00
Non-Interest Expense 41,522,944.00 12,358,605.00 6,781,810.00 11,422,524.00 5,467,173.00
Provisions for Credit Losses 0 0 0 252,979.00 0
Gross Profit 5,929,278.00 8,137,055.00 7,524,626.00 11,060,204.00 0
   Selling, General and Administrative Expenses 117,111.00 93,391.00 77,271.00 69,084.00 72,100.00
EBT 4,607,706.00 6,081,547.00 -1,059,200.00 13,648,449.00 5,726,695.00
Income Tax 954,396.00 1,197,523.00 35,672.00 1,353,270.00 609,097.00
Net Income Including Non-Controlling Interests 6,662,680.00 6,987,316.00 -1,393,908.00 -3,369,000.00 -1,112,580.00
Net Income Non-Controlling Interests -3,586,435.00 -3,255,055.00 552,778.00 8,035,476.00 3,115,089.00
Net Income 3,076,245.00 3,732,261.00 -841,130.00 4,666,476.00 2,002,509.00
EBIT 7,954,432.00 9,210,719.00 806,766.00 14,969,000.00 9,044,087.00
Deprecation and Amortization 119,315.00 68,302.00 364,162.00 386,867.00 18,600.00
EBITDA 8,073,747.00 9,279,021.00 1,170,928.00 15,355,867.00 9,062,687.00
EPS 0.00 0.00 -0.00 0.01 0.00
Diluted EPS 0.00 0.00 -0.00 0.01 0.00
Average Shares Outstanding Basic 887,021.43 867,496.81 749,504.97 582,258.98 562,812.88
Average Shares Outstanding Diluted 938,904.60 911,787.43 749,504.97 633,092.86 583,685.35
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 6,649,878.00 -1,493,812.00 -5,279,259.00 -7,176,708.00 -5,953,693.00
   Operating Net Income 6,662,680.00 6,987,316.00 -1,393,908.00 12,295,179.00 15,727,490.00
   Deprecation and Amortization -119,315.00 68,302.00 364,162.00 386,867.00 18,600.00
   Deferred Income Tax 308,392.00 573,267.00 -964,956.00 887,512.00 348,264.00
   Share Based Compensation 746,443.00 618,469.00 730,236.00 529,816.00 326,758.00
   Change in Working Capital 1,048,738.00 -188,691.00 -874,463.00 -465,288.00 571,336.00
   Other Operating Activities -1,997,060.00 -9,552,475.00 -3,140,330.00 -20,810,794.00 -22,946,141.00
Investing Cash Flow -19,047,424.00 -3,882,936.00 -13,647,272.00 -9,605,548.00 -153,386.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 141,536.00 108,393.00 85,056.00 102,049.00 142,258.00
   Net Purchase/Sale of Investments Net 132,660,162.00 55,083,159.00 82,584,050.00 108,164,442.00 0
   Net Purchase/Sale of Business 0 0 1,690,702.00 473,779.00 0
   Other Investing Activities -151,849,122.00 -59,074,488.00 -98,007,080.00 -118,345,818.00 -295,644.00
Financing Cash Flow 7,076,330.00 12,774,088.00 22,055,366.00 20,363,994.00 9,803,704.00
   Net Issuance/Repayment of Debt 103,871,153.00 65,847,605.00 70,257,972.00 75,340,805.00 27,914,064.00
   Net Issuance/Repurchase of Equity 0 289,844.00 346,651.00 308,173.00 1,361,952.00
   Dividends Paid 612,068.00 615,032.00 513,341.00 419,630.00 353,879.00
   Other Financing Activities -97,406,891.00 -53,978,393.00 -49,062,598.00 -55,704,614.00 -19,826,191.00
Net Change in Cash -5,440,167.00 7,422,750.00 2,859,066.00 3,532,847.00 3,756,041.00
   Cash at Beginning of Period 20,808,120.00 13,385,370.00 10,526,304.00 6,993,457.00 3,237,416.00
   Cash at End of Period 15,367,953.00 20,808,120.00 13,385,370.00 10,526,304.00 6,993,457.00
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 1,961,684,928.00 1,872,006,186.00 1,827,710,924.00 2,035,652,911.00 1,757,502,028.00 1,699,740,838.00 1,648,197,900.00 1,806,876,938.00 1,459,016,346.00 1,479,384,856.00 1,450,860,528.00 1,668,384,089.00 1,371,831,636.00 1,362,717,476.00 1,336,682,844.00 1,470,975,749.00 1,309,003,675.00 1,140,726,812.00 1,063,915,451.00 310,835,328.00
      Cash and Short-Term Investments 64,400,331.00 48,484,778.00 47,794,348.00 44,144,886.00 40,808,379.00 47,552,421.00 49,388,033.00 63,522,016.00 31,635,218.00 29,761,164.00 28,446,213.00 40,132,293.00 31,939,079.00 35,094,039.00 26,685,025.00 20,267,404.00 26,125,342.00 31,138,407.00 26,899,772.00 5,363,009.00
            Cash and Cash Equivalents 64,400,331.00 48,484,778.00 47,794,348.00 44,144,886.00 40,808,379.00 47,552,421.00 49,388,033.00 63,522,016.00 31,635,218.00 29,761,164.00 28,446,213.00 40,132,293.00 31,939,079.00 35,094,039.00 26,685,025.00 20,267,404.00 26,125,342.00 31,138,407.00 26,899,772.00 5,363,009.00
            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 0 0 0 0 0 0 0 0 0 0 0 0 0 28,586,541.00 1,173,270.00 1,018,872.00 937,646.00 793,272.00 12,663,533.00 644,028.00
      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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 951,364.00
      Goodwill 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 83,500.00
      Intangible Assets 5,590,682.00 5,454,971.00 5,303,897.00 5,198,943.00 5,092,908.00 4,904,683.00 4,856,923.00 4,450,824.00 2,506,921.00 2,436,633.00 2,391,610.00 1,722,681.00 1,632,083.00 1,548,907.00 1,481,284.00 1,407,149.00 0 0 0 0
      Long-Term Investments 852,600.00 878,800.00 0 0 0 0 0 143,300.00 1,100,000.00 1,100,000.00 1,100,000.00 1,100,000.00 1,200,000.00 1,200,000.00 1,200,000.00 1,200,000.00 1,200,000.00 1,200,000.00 1,400,000.00 0
      Non-Current Deferred Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 83,822.00
      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 810,414,958.00 773,237,692.00 755,488,882.00 820,683,951.00 745,009,344.00 724,944,828.00 708,675,134.00 729,998,019.00 591,947,960.00 591,061,864.00 588,885,664.00 653,777,272.00 545,959,654.00 540,097,110.00 535,458,132.00 555,505,574.00 532,372,268.00 461,556,192.00 440,708,564.00 110,583,159.00
      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 1,151,269,970.00 1,098,768,494.00 1,072,222,042.00 1,214,968,960.00 1,012,492,684.00 974,796,010.00 939,522,766.00 1,076,878,919.00 867,068,386.00 888,322,992.00 861,974,864.00 1,014,606,817.00 825,871,982.00 822,620,366.00 801,224,712.00 915,470,175.00 776,631,407.00 679,170,620.00 623,206,887.00 200,252,169.00
   Shareholders Equity 29,749,202.00 28,219,229.00 27,469,987.00 23,651,568.00 24,083,685.00 21,673,103.00 21,421,193.00 22,858,694.00 20,407,773.00 19,981,567.00 19,662,681.00 17,728,820.00 17,451,045.00 19,072,683.00 15,714,287.00 17,582,164.00 16,932,970.00 16,068,359.00 14,676,056.00 13,716,818.00
      Capital Stock 2,552,314.00 2,552,313.00 2,552,286.00 8,882.00 8,874.00 8,874.00 8,850.00 8,850.00 8,846.00 1,124,372.00 1,124,403.00 1,124,403.00 1,124,390.00 1,124,390.00 1,124,284.00 1,124,336.00 1,124,332.00 1,273,898.00 1,606,862.00 1,606,831.00
      Share Premium 18,877,610.00 18,640,161.00 18,612,895.00 18,406,718.00 18,266,988.00 18,133,336.00 18,032,599.00 17,549,157.00 17,327,485.00 16,186,898.00 16,339,472.00 16,190,407.00 16,015,645.00 15,948,026.00 8,729,544.00 8,997,435.00 8,735,677.00 8,700,224.00 8,708,339.00 8,687,817.00
      Retained Earnings 12,943,836.00 12,248,728.00 11,941,148.00 12,282,513.00 11,312,398.00 10,867,154.00 10,354,524.00 9,818,336.00 8,923,933.00 7,592,571.00 6,890,381.00 6,315,711.00 6,365,963.00 6,590,883.00 7,510,671.00 7,670,182.00 7,247,400.00 6,200,585.00 5,007,223.00 3,440,782.00
      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 -4,624,558.00 -5,221,973.00 -5,636,342.00 -7,046,545.00 -5,504,575.00 -7,336,261.00 -6,974,780.00 -4,517,649.00 -5,852,491.00 -4,922,274.00 -4,691,575.00 -5,901,701.00 -6,054,953.00 -4,590,616.00 -1,650,212.00 -209,789.00 -174,439.00 -106,348.00 -646,368.00 -18,612.00
   Minority Interest 43,292,357.00 40,755,618.00 39,565,465.00 36,747,947.00 36,392,617.00 35,565,377.00 34,568,564.00 34,904,791.00 40,768,528.00 40,429,454.00 37,316,569.00 35,778,000.00 34,449,617.00 33,664,541.00 41,501,791.00 40,474,565.00 40,031,244.00 36,338,403.00 31,534,729.00 27,083,098.00
Investments 565,019,099.00 543,866,668.00 526,533,115.00 507,608,013.00 503,421,966.00 485,263,736.00 468,523,377.00 449,796,274.00 453,611,580.00 452,293,248.00 439,654,356.00 420,037,623.00 404,887,586.00 399,523,882.00 400,719,219.00 390,340,029.00 376,856,832.00 335,083,573.00 307,385,415.00 170,087,791.00
Debt 234,996,501.00 226,507,001.00 219,810,058.00 220,505,201.00 218,952,453.00 217,774,125.00 243,593,931.00 241,818,172.00 234,576,099.00 0 0 347,901.00 0 0 0 36,914,472.00 0 0 0 33,501,204.00
Net Debt 170,596,170.00 178,022,223.00 172,015,710.00 176,360,315.00 178,144,074.00 170,221,704.00 194,205,898.00 178,296,156.00 202,940,881.00 0 0 0 0 0 0 16,647,068.00 0 0 0 28,138,195.00
Common Shares Outstanding 890,970.06 890,938.78 888,250.33 888,232.17 887,448.99 887,439.10 885,010.97 885,005.59 884,585.20 857,987.64 861,104.00 861,110.48 859,833.44 859,833.44 590,472.44 595,663.62 583,026.68 583,030.97 578,269.04 572,893.74
Preferred Shares Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 310,167.71 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 13,725,001.00 8,199,026.00 3,110,183.00 -20,227,032.00 18,620,344.00 13,828,648.00 9,656,738.00 -5,451,651.00 10,069,481.00 6,754,000.00 3,127,482.00 -5,559,817.00 8,233,870.00 5,508,361.00 2,763,992.00 -8,208,597.00 12,182,552.00 7,699,187.00 4,563,006.00
   Net Premiums 6,339,648.00 3,160,818.00 970,092.00 3,094,130.00 7,593,534.00 6,972,316.00 6,036,522.00 -918,267.00 1,320,265.00 1,100,053.00 473,624.00 36,571.00 627,104.00 146,642.00 372,144.00 -1,372,985.00 1,698,912.00 724,009.00 1,176,142.00
Cost Of Revenue 7,575,360.00 4,499,999.00 1,708,294.00 -20,876,566.00 14,544,107.00 12,381,880.00 9,899,999.00 -2,438,171.00 4,010,306.00 3,263,068.00 1,527,054.00 -518,327.00 2,180,471.00 1,033,576.00 726,060.00 5,076,693.00 44,393.00 35,178.00 19,680.00
Interest Income 4,473,311.00 2,952,458.00 1,450,194.00 -3,429,733.00 4,939,939.00 3,360,871.00 1,662,406.00 -2,613,024.00 4,615,027.00 2,972,540.00 1,350,193.00 -902,398.00 2,417,428.00 1,468,480.00 690,556.00 -1,373,998.00 2,087,144.00 1,365,130.00 666,084.00
Interest Expense 2,283,325.00 1,497,119.00 733,908.00 -1,657,244.00 2,489,874.00 1,687,225.00 826,871.00 -1,294,349.00 2,287,727.00 1,473,956.00 661,838.00 -473,236.00 1,231,419.00 756,564.00 351,219.00 -607,294.00 980,078.00 638,466.00 309,301.00
Net Interest 2,189,986.00 1,455,339.00 716,286.00 -1,772,489.00 2,450,065.00 1,673,646.00 835,535.00 -1,318,675.00 2,327,300.00 1,498,584.00 688,355.00 -429,162.00 1,186,009.00 711,916.00 339,337.00 -766,704.00 1,107,066.00 726,664.00 356,783.00
Non-Interest Expense 26,639,074.00 16,820,335.00 7,523,278.00 945,449.00 18,005,278.00 13,259,273.00 9,312,944.00 -4,782,131.00 8,298,088.00 5,982,565.00 2,860,083.00 -1,433,258.00 4,298,797.00 2,364,282.00 1,551,989.00 -5,035,777.00 8,273,499.00 5,088,257.00 3,096,545.00
Provisions for Credit Losses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 26,085.00 -362,656.00 250,690.00 181,304.00 183,641.00
Gross Profit 6,149,641.00 3,699,027.00 1,401,889.00 649,534.00 4,076,237.00 1,446,768.00 -243,261.00 -3,013,480.00 6,059,175.00 3,490,932.00 1,600,428.00 -5,041,490.00 6,053,399.00 4,474,785.00 2,037,932.00 -13,285,290.00 12,138,159.00 7,664,009.00 4,543,326.00
   Selling, General and Administrative Expenses 99,702.00 69,105.00 34,465.00 -35,958.00 82,683.00 46,846.00 23,540.00 -44,740.00 70,240.00 45,742.00 22,149.00 -33,581.00 55,693.00 37,010.00 18,149.00 -31,256.00 51,289.00 33,851.00 15,200.00
EBT 1,699,609.00 422,682.00 -229,323.00 -3,546,421.00 4,217,820.00 2,573,256.00 1,363,051.00 -189,642.00 4,339,548.00 1,642,023.00 289,618.00 9,673.00 -1,110,231.00 -1,058,078.00 1,099,436.00 -12,287,878.00 12,621,574.00 8,960,647.00 4,354,106.00
Income Tax 620,612.00 260,873.00 86,569.00 -497,041.00 696,066.00 486,170.00 269,201.00 -335,838.00 910,912.00 473,702.00 148,747.00 -252,600.00 128,836.00 156,270.00 3,166.00 -1,297,315.00 1,287,984.00 890,610.00 471,991.00
Net Income Including Non-Controlling Interests 6,422,285.00 3,677,056.00 1,546,426.00 -2,607,088.00 5,035,272.00 2,761,688.00 1,472,808.00 365,454.00 4,856,348.00 1,578,829.00 186,685.00 2,024,034.00 -1,138,377.00 -991,191.00 -1,288,374.00 2,942,467.00 -3,367,264.00 -2,328,209.00 -615,994.00
Net Income Non-Controlling Interests -5,197,729.00 -3,352,857.00 -1,732,350.00 1,700,289.00 -3,084,582.00 -1,411,548.00 -790,594.00 -866,725.00 -2,164,516.00 -377,123.00 153,309.00 -999,840.00 196,777.00 123,987.00 1,231,854.00 -7,072,606.00 7,508,932.00 5,313,320.00 2,285,830.00
Net Income 1,224,556.00 324,199.00 -185,924.00 -906,799.00 1,950,690.00 1,350,140.00 682,214.00 -501,271.00 2,691,832.00 1,201,706.00 339,994.00 1,024,194.00 -941,600.00 -867,204.00 -56,520.00 -4,130,139.00 4,141,668.00 2,985,111.00 1,669,836.00
EBIT 3,982,934.00 1,919,801.00 504,585.00 -5,203,665.00 6,707,694.00 4,260,481.00 2,189,922.00 -1,483,991.00 6,627,275.00 3,115,979.00 951,456.00 -463,563.00 121,188.00 -301,514.00 1,450,655.00 -12,895,172.00 13,601,652.00 9,599,113.00 4,663,407.00
Deprecation and Amortization 118,789.00 84,654.00 53,645.00 -24,943.00 88,832.00 40,942.00 14,484.00 -53,504.00 52,177.00 37,449.00 32,180.00 -272,655.00 330,781.00 231,074.00 74,962.00 -228,864.00 324,692.00 208,432.00 82,607.00
EBITDA 4,101,723.00 2,004,455.00 558,230.00 -5,228,608.00 6,796,526.00 4,301,423.00 2,204,406.00 -1,537,495.00 6,679,452.00 3,153,428.00 983,636.00 -736,218.00 451,969.00 -70,440.00 1,525,617.00 -13,124,036.00 13,926,344.00 9,807,545.00 4,746,014.00
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 0.01 0.01 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 0.01 0.00 0.00
Average Shares Outstanding Basic 889,984.78 889,488.21 888,246.70 890,261.60 886,618.14 886,200.17 885,005.82 885,947.95 861,598.67 861,332.12 861,108.51 1,057,189.40 711,908.11 636,719.54 592,202.83 591,987.10 580,742.03 579,578.83 576,727.97
Average Shares Outstanding Diluted 955,793.12 955,811.24 888,246.70 968,804.08 933,079.38 928,593.78 925,141.17 935,195.12 911,716.70 913,068.57 887,169.34 1,057,189.40 711,908.11 636,719.54 592,202.83 656,194.29 629,620.06 625,668.63 620,888.49
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 5,378,091.00 2,988,482.00 2,549,726.00 -6,524,363.00 6,761,533.00 4,885,275.00 1,527,433.00 7,612,021.00 -2,600,936.00 -4,572,009.00 -1,932,888.00 1,582,319.00 -4,631,724.00 -3,146,672.00 916,818.00 -2,237,735.00 -3,558,499.00 -1,307,308.00 -73,166.00
   Operating Net Income 6,422,285.00 3,677,056.00 1,546,426.00 -2,607,088.00 5,035,272.00 2,761,688.00 1,472,808.00 365,454.00 4,856,348.00 1,578,829.00 186,685.00 -613,307.00 -981,395.00 -901,808.00 1,102,602.00 -11,258,315.00 11,459,886.00 8,178,241.00 3,915,367.00
   Deprecation and Amortization -118,789.00 -84,654.00 -53,645.00 24,943.00 -88,832.00 -40,942.00 -14,484.00 -53,504.00 52,177.00 37,449.00 32,180.00 -272,655.00 330,781.00 231,074.00 74,962.00 -228,864.00 324,692.00 208,432.00 82,607.00
   Deferred Income Tax 0 0 0 308,392.00 0 0 0 573,267.00 0 0 0 -964,956.00 0 0 0 887,512.00 0 0 0
   Share Based Compensation 539,430.00 357,200.00 183,568.00 -358,273.00 552,987.00 368,318.00 183,411.00 -375,586.00 478,253.00 331,667.00 184,135.00 -383,685.00 559,621.00 385,508.00 168,792.00 -505,164.00 548,653.00 326,437.00 159,890.00
   Change in Working Capital 639,394.00 631,335.00 -151,251.00 -539,903.00 1,126,868.00 441,937.00 19,836.00 1,304,576.00 -645,510.00 -354,029.00 -493,728.00 2,561,753.00 -1,462,938.00 -1,403,016.00 -570,262.00 595,704.00 -669,361.00 -83,192.00 -308,439.00
   Other Operating Activities -2,104,229.00 -1,592,455.00 1,024,628.00 -3,352,434.00 135,238.00 1,354,274.00 -134,138.00 5,797,814.00 -7,342,204.00 -6,165,925.00 -1,842,160.00 1,255,169.00 -3,077,793.00 -1,458,430.00 140,724.00 8,271,392.00 -15,222,369.00 -9,937,226.00 -3,922,591.00
Investing Cash Flow -12,043,339.00 -5,037,403.00 -3,147,312.00 15,621,443.00 -16,794,692.00 -11,675,396.00 -6,198,779.00 8,250,645.00 -4,695,904.00 -3,619,144.00 -3,818,533.00 6,123,757.00 -10,681,162.00 -7,092,038.00 -1,997,829.00 336,292.00 -7,017,238.00 -2,548,566.00 -376,036.00
   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 126,929.00 88,207.00 20,846.00 -7,896.00 88,369.00 43,768.00 17,295.00 -55,757.00 79,181.00 61,762.00 23,207.00 -19,589.00 58,584.00 34,173.00 11,888.00 -57,758.00 82,515.00 49,565.00 27,727.00
   Net Purchase/Sale of Investments Net 127,545,757.00 84,374,432.00 46,713,048.00 -59,719,849.00 103,760,861.00 67,380,352.00 21,238,798.00 -17,407,892.00 34,607,905.00 24,175,274.00 13,707,872.00 -61,749,890.00 65,534,832.00 50,551,805.00 28,247,303.00 -3,593,725.00 71,387,516.00 29,926,300.00 10,444,351.00
   Net Purchase/Sale of Business 146,273.00 0 0 0 0 0 0 0 0 0 0 -1,690,702.00 1,690,702.00 1,690,702.00 0 -889,419.00 473,779.00 473,779.00 415,640.00
   Other Investing Activities -139,862,298.00 -89,500,042.00 -49,881,206.00 75,349,188.00 -120,643,922.00 -79,099,516.00 -27,454,872.00 25,714,294.00 -39,382,990.00 -27,856,180.00 -17,549,612.00 69,583,938.00 -77,965,280.00 -59,368,718.00 -30,257,020.00 4,877,194.00 -78,961,048.00 -32,998,210.00 -11,263,754.00
Financing Cash Flow 14,021,474.00 4,593,923.00 3,603,104.00 742,712.00 4,182,584.00 2,106,070.00 44,964.00 -457,612.00 5,631,428.00 5,527,304.00 2,072,968.00 -11,047,142.00 16,651,027.00 12,305,005.00 4,146,476.00 -9,116,013.00 16,126,114.00 8,894,751.00 4,459,142.00
   Net Issuance/Repayment of Debt 78,132,203.00 43,012,591.00 20,838,027.00 -51,245,957.00 79,738,018.00 52,395,240.00 22,983,852.00 -22,401,478.00 44,251,970.00 30,151,110.00 13,846,003.00 -43,795,807.00 56,013,094.00 39,346,322.00 18,694,363.00 -21,279,779.00 52,092,189.00 31,957,569.00 12,570,826.00
   Net Issuance/Repurchase of Equity 2,546,766.00 2,546,766.00 2,543,404.00 0 0 0 0 -272,275.00 289,844.00 272,275.00 0 -693,302.00 346,651.00 346,651.00 346,651.00 -150,442.00 174,393.00 174,393.00 109,829.00
   Dividends Paid 563,233.00 357,984.00 155,441.00 -291,908.00 456,628.00 301,322.00 146,026.00 -314,936.00 469,006.00 310,242.00 150,720.00 -164,364.00 362,619.00 212,095.00 102,991.00 -214,665.00 317,604.00 213,296.00 103,395.00
   Other Financing Activities -67,220,728.00 -41,323,418.00 -19,933,768.00 52,280,577.00 -76,012,062.00 -50,590,492.00 -23,084,914.00 22,531,077.00 -39,379,392.00 -25,206,323.00 -11,923,755.00 33,606,331.00 -40,071,337.00 -27,600,063.00 -14,997,529.00 12,528,873.00 -36,458,072.00 -23,450,507.00 -8,324,908.00
Net Change in Cash 7,518,536.00 2,688,220.00 3,025,512.00 9,786,455.00 -5,845,681.00 -4,738,349.00 -4,642,592.00 15,390,780.00 -1,674,528.00 -2,636,652.00 -3,656,850.00 -3,106,529.00 1,103,561.00 1,845,945.00 3,016,089.00 -10,995,595.00 5,519,355.00 5,024,869.00 3,984,218.00
   Cash at Beginning of Period 15,367,953.00 15,367,953.00 15,367,953.00 5,581,498.00 20,808,120.00 20,808,120.00 20,808,120.00 5,417,340.00 13,385,370.00 13,385,370.00 13,385,370.00 16,491,899.00 10,526,304.00 10,526,304.00 10,526,304.00 21,521,899.00 6,993,457.00 6,993,457.00 6,993,457.00
   Cash at End of Period 22,886,489.00 18,056,173.00 18,393,465.00 15,367,953.00 14,962,439.00 16,069,771.00 16,165,528.00 20,808,120.00 11,710,842.00 10,748,718.00 9,728,520.00 13,385,370.00 11,629,865.00 12,372,249.00 13,542,393.00 10,526,304.00 12,512,812.00 12,018,326.00 10,977,675.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0