KRNY
Valuation Ratios
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Price to Earnings | 15.38 | -4.42 | 11.19 | 11.69 | 15.52 |
| Price to Sales | 305.22 | 175.22 | |||
| Book Value Per Common Share | 16.79 | 34.11 | 38.54 | 38.25 | 39.70 |
| Price to Book | 0.38 | 0.18 | 0.18 | 0.29 | 0.30 |
| Price to Operating Cash Flow | 9.90 | 6.06 | 4.79 | 3.32 | 3.87 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 29871.34 | 149023.81 | 20892.46 | 38935.30 |
| 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 | 43.80 | 20.19 | 35.40 | 68.70 | 107.33 | -149.50 | 43.31 | 18.45 | 36.25 | 42.48 | 16.51 | 25.00 | 47.81 | 22.79 | 32.00 | |||||
| Price to Sales | 220.05 | 443.23 | 915.52 | 484.21 | 744.38 | 1534.57 | 235.94 | 304.32 | ||||||||||||
| Book Value Per Common Share | 22.22 | 16.79 | 22.10 | 21.95 | 22.27 | 34.11 | 25.37 | 25.33 | 24.76 | 38.54 | 24.89 | 24.87 | 24.63 | 38.25 | 26.19 | 27.13 | 26.80 | 39.70 | 25.98 | 25.80 |
| Price to Book | 0.30 | 0.38 | 0.28 | 0.32 | 0.31 | 0.18 | 0.25 | 0.35 | 0.28 | 0.18 | 0.33 | 0.41 | 0.43 | 0.29 | 0.49 | 0.49 | 0.46 | 0.30 | 0.46 | 0.41 |
| Price to Operating Cash Flow | 273.75 | 23.45 | -3726.32 | 168.80 | 10.97 | 29.35 | 35.56 | 9.14 | 18.40 | 33.71 | 16.25 | 36.61 | 171.21 | 17.57 | 29.32 | |||||
| Price to Free Cash Flow | 36.19 | |||||||||||||||||||
| Enterprise Value to EBITDA | 61584.29 | 79024.90 | 43527.23 | 92583.46 | 176700.36 | 89772.87 | 137546.46 | 259657.65 |
Earnings Data
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Earning YoY | -33.68 | 23.38 | |||
| Revenue YoY | -54.11 | ||||
| EBITDA YoY | 949.23 | -88.04 | 13.45 | -4.02 | |
| Net Profit YoY | -39.58 | 6.82 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 55.00 | 100.00 | 57.14 | 12.00 | 47.17 | 103.85 | -50.94 | 60.61 | ||||||||||||
| Revenue YoY | 60.79 | 96.20 | 47.28 | 114.99 | -85.87 | 44.58 | ||||||||||||||
| EBITDA YoY | 28.41 | 98.02 | 62.75 | 64.33 | 68.39 | 80.95 | 46.27 | 95.00 | -65.57 | 48.83 | ||||||||||
| Net Profit YoY | 52.52 | 107.78 | 55.78 | 11.80 | 45.98 | 95.20 | -55.94 | 57.98 |
Financial Strength
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Cash Per Common Share | 6.02 | 3.03 | 3.68 | 5.06 | 3.25 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 4.69 | 4.59 | 4.14 | 3.82 | 2.99 |
| 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 | 2.07 | 2.92 | 2.02 | 2.27 | 2.49 | 2.94 | 1.14 | 1.18 | 0.91 | 3.62 | 2.99 | 1.16 | 1.46 | 5.22 | 0.86 | 0.83 | 0.73 | 3.40 | 1.30 | 1.52 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 9.15 | 4.69 | 9.34 | 9.38 | 9.34 | 4.59 | 8.24 | 8.31 | 8.39 | 4.14 | 8.64 | 8.50 | 8.02 | 3.82 | 6.74 | 6.22 | 6.08 | 2.99 | 5.92 | 5.72 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| ROA | 0.31 | -1.03 | 0.46 | 0.78 | 0.76 |
| ROE | 1.75 | -5.75 | 2.35 | 3.78 | 3.03 |
| Gross Margin | |||||
| Operating Margin | 7336.98 | 3509.80 | |||
| EBITDA Margin | 7594.96 | 3631.50 | |||
| Net Profit Margin | 2618.10 | 1124.74 |
| 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 | 0.12 | 0.25 | 0.16 | 0.08 | 0.04 | -0.05 | 0.12 | 0.34 | 0.22 | 0.21 | 0.76 | 0.54 | 0.27 | 0.61 | 0.39 | |||||
| ROE | 1.26 | 2.58 | 1.70 | 0.81 | 0.40 | -0.47 | 1.16 | 3.32 | 2.12 | 1.89 | 5.88 | 3.87 | 1.94 | 4.21 | 2.59 | |||||
| Gross Margin | -16.00 | -56.38 | 12.19 | |||||||||||||||||
| Operating Margin | 4791.65 | 4497.06 | 4938.27 | 5124.19 | 5164.60 | 5700.66 | 2332.42 | 2267.40 | ||||||||||||
| EBITDA Margin | 5169.26 | 4936.01 | 5352.03 | 5384.81 | 5422.07 | 5977.92 | 2452.32 | 2382.37 | ||||||||||||
| Net Profit Margin | 1196.43 | 1234.87 | 2167.10 | 2922.84 | 2948.97 | 3247.94 | 1041.42 | 953.13 |
Dividends
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| 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 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Assets | 8,487,073.00 | 8,438,073.00 | 8,934,945.00 | 8,614,303.00 | 8,327,513.00 |
| Deposits | 5,675,217.00 | 5,158,123.00 | 5,629,183.00 | 5,862,256.00 | 5,485,306.00 |
| Cash and Short-Term Investments | 376,084.00 | 189,370.00 | 238,708.00 | 358,730.00 | 268,092.00 |
| Cash and Cash Equivalents | 376,084.00 | 189,370.00 | 238,708.00 | 358,730.00 | 268,092.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 112,392.00 | 118,084.00 | 112,532.00 | 20,466.00 | 19,362.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 55,997.00 | 59,440.00 | 64,409.00 | 53,281.00 | 56,338.00 |
| Goodwill | 113,525.00 | 113,525.00 | 210,895.00 | 210,895.00 | 210,895.00 |
| Intangible Assets | 1,436.00 | 1,931.00 | 2,457.00 | 3,020.00 | 3,705.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 55,203.00 | 50,339.00 | 51,973.00 | 49,350.00 | 29,323.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 6,994,488.00 | 6,929,890.00 | 7,195,531.00 | 6,825,883.00 | 6,240,791.00 |
| Payables and Expenses | 3,549.00 | 2,265.00 | 4,893.00 | 0 | 0 |
| Account Payables | 3,549.00 | 2,265.00 | 4,893.00 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 1,506,812.00 | 901,337.00 | 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 | 1,492,585.00 | 1,508,183.00 | 1,739,414.00 | 1,788,420.00 | 2,086,722.00 |
| Shareholders Equity | 2,165,882.00 | 2,197,550.00 | 2,538,396.00 | 2,626,273.00 | 3,134,976.00 |
| Capital Stock | 646.00 | 644.00 | 659.00 | 687.00 | 790.00 |
| Share Premium | 494,546.00 | 493,680.00 | 503,332.00 | 528,396.00 | 654,396.00 |
| Retained Earnings | 341,744.00 | 343,326.00 | 457,611.00 | 445,451.00 | 408,367.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -72,004.00 | -63,163.00 | -69,456.00 | -55,727.00 | 6,144.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 522,860.00 | 601,780.00 | 648,184.00 | 118,291.00 | 38,138.00 |
| Debt | 12,918.00 | 15,322.00 | 1,506,812.00 | 901,337.00 | 0 |
| Net Debt | 0 | 0 | 1,268,104.00 | 542,607.00 | 0 |
| Common Shares Outstanding | 129,011.42 | 64,434.42 | 65,864.07 | 68,666.32 | 78,964.86 |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Revenues | 0 | 0 | 0 | 2,580.00 | 5,622.00 |
| Interest Income | 334,145.00 | 340,281.00 | 300,501.00 | 229,513.00 | 239,308.00 |
| Interest Expense | 216,003.00 | 186,274.00 | 117,859.00 | 29,669.00 | 49,851.00 |
| Net Interest | 134,943.00 | 142,594.00 | 175,865.00 | 196,603.00 | 184,509.00 |
| Non-Interest Income | 19,052.00 | -1,993.00 | 2,751.00 | 13,934.00 | 24,751.00 |
| Non-Interest Expense | 120,630.00 | 215,151.00 | 123,751.00 | 125,708.00 | 125,885.00 |
| Selling, General and Administrative Expenses | 13,401.00 | 12,429.00 | 14,158.00 | 16,173.00 | 14,834.00 |
| EBT | 56,971.00 | -167,456.00 | 93,075.00 | 159,625.00 | 147,470.00 |
| Income Tax | 4,821.00 | 5,878.00 | 11,453.00 | 24,531.00 | 21,004.00 |
| Net Income | 26,075.00 | -86,667.00 | 40,811.00 | 67,547.00 | 63,233.00 |
| EBIT | 272,974.00 | 18,818.00 | 210,934.00 | 189,294.00 | 197,321.00 |
| Deprecation and Amortization | 6,015.00 | 7,772.00 | 11,380.00 | 6,656.00 | 6,842.00 |
| EBITDA | 278,989.00 | 26,590.00 | 222,314.00 | 195,950.00 | 204,163.00 |
| 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 | 62,508.00 | 62,444.00 | 64,804.00 | 70,911.00 | 82,387.00 |
| Average Shares Outstanding Diluted | 62,716.00 | 62,444.00 | 64,804.00 | 70,933.00 | 82,391.00 |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Operating Cash Flow | 40,782.00 | 63,367.00 | 95,340.00 | 237,292.00 | 254,263.00 |
| Operating Net Income | 78,225.00 | -260,001.00 | 122,433.00 | 202,641.00 | 189,699.00 |
| Deprecation and Amortization | 6,015.00 | 7,772.00 | 11,380.00 | 6,656.00 | 6,842.00 |
| Deferred Income Tax | -942.00 | -867.00 | 2,789.00 | 5,023.00 | 4,689.00 |
| Share Based Compensation | 3,176.00 | 4,003.00 | 4,873.00 | 6,340.00 | 7,742.00 |
| Change in Working Capital | -14,983.00 | 7,949.00 | -6,937.00 | -15,383.00 | 20,787.00 |
| Other Operating Activities | -30,709.00 | 304,511.00 | -39,198.00 | 32,015.00 | 24,504.00 |
| Investing Cash Flow | 43,046.00 | 259,996.00 | -416,101.00 | -463,193.00 | -91,159.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 3,383.00 | 1,350.00 | 1,355.00 | 2,920.00 | 5,458.00 |
| Net Purchase/Sale of Investments Net | 304,581.00 | 334,232.00 | 449,177.00 | 767,863.00 | 1,553,179.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | -4,712.00 |
| Net Loan & Lease Activity | 730.00 | 60,341.00 | 702.00 | 123,389.00 | 81,707.00 |
| Other Investing Activities | -265,648.00 | -135,927.00 | -867,335.00 | -1,357,365.00 | -1,726,791.00 |
| Financing Cash Flow | 9,529.00 | -348,032.00 | 260,750.00 | 271,220.00 | -252,657.00 |
| Net Issuance/Repayment of Debt | 8,038,500.00 | 12,647,500.00 | 11,930,000.00 | 8,185,000.00 | 5,192,796.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 373.00 |
| Dividends Paid | 27,634.00 | 27,564.00 | 28,499.00 | 30,693.00 | 28,648.00 |
| Other Financing Activities | -8,056,605.00 | -13,023,096.00 | -11,697,749.00 | -7,944,473.00 | -5,474,474.00 |
| Net Change in Cash | 93,357.00 | -24,669.00 | -60,011.00 | 33,760.00 | -113,112.00 |
| Cash at Beginning of Period | 73,912.00 | 88,533.00 | 130,526.00 | 67,855.00 | 180,967.00 |
| Cash at End of Period | 167,269.00 | 63,864.00 | 70,515.00 | 101,615.00 | 67,855.00 |
| 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 | 7,648,010.00 | 8,487,073.00 | 7,733,141.00 | 7,731,385.00 | 7,772,379.00 | 8,438,073.00 | 7,841,972.00 | 7,897,832.00 | 7,974,866.00 | 8,934,945.00 | 8,349,336.00 | 8,289,318.00 | 7,889,590.00 | 8,614,303.00 | 7,389,891.00 | 7,186,223.00 | 7,183,688.00 | 8,327,513.00 | 7,357,994.00 | 7,335,153.00 |
| Deposits | 5,631,882.00 | 5,675,217.00 | 5,707,348.00 | 5,671,060.00 | 5,470,512.00 | 5,158,123.00 | 5,209,050.00 | 5,319,630.00 | 5,434,168.00 | 5,629,183.00 | 5,803,404.00 | 5,971,371.00 | 6,108,278.00 | 5,862,256.00 | 5,528,662.00 | 5,454,025.00 | 5,395,139.00 | 5,485,306.00 | 5,374,452.00 | 5,312,613.00 |
| Cash and Short-Term Investments | 130,139.00 | 376,084.00 | 126,095.00 | 141,554.00 | 155,574.00 | 189,370.00 | 71,027.00 | 73,860.00 | 57,219.00 | 238,708.00 | 194,568.00 | 75,660.00 | 96,076.00 | 358,730.00 | 62,379.00 | 60,452.00 | 54,070.00 | 268,092.00 | 108,991.00 | 129,694.00 |
| Cash and Cash Equivalents | 130,139.00 | 376,084.00 | 126,095.00 | 141,554.00 | 155,574.00 | 189,370.00 | 71,027.00 | 73,860.00 | 57,219.00 | 238,708.00 | 194,568.00 | 75,660.00 | 96,076.00 | 358,730.00 | 62,379.00 | 60,452.00 | 54,070.00 | 268,092.00 | 108,991.00 | 129,694.00 |
| 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 | 117,840.00 | 112,392.00 | 114,084.00 | 111,088.00 | 117,868.00 | 118,084.00 | 124,260.00 | 121,032.00 | 119,064.00 | 112,532.00 | 115,176.00 | 109,472.00 | 95,268.00 | 20,466.00 | 19,517.00 | 18,495.00 | 19,541.00 | 19,362.00 | 20,562.00 | 19,826.00 |
| 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 | 43,222.00 | 55,997.00 | 44,192.00 | 45,127.00 | 45,189.00 | 59,440.00 | 45,053.00 | 45,928.00 | 46,868.00 | 64,409.00 | 49,589.00 | 50,953.00 | 52,642.00 | 53,281.00 | 53,727.00 | 54,067.00 | 55,236.00 | 56,338.00 | 60,360.00 | 61,181.00 |
| Real Estate | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 178.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 113,525.00 | 113,525.00 | 113,525.00 | 113,525.00 | 113,525.00 | 113,525.00 | 210,895.00 | 210,895.00 | 210,895.00 | 210,895.00 | 210,895.00 | 210,895.00 | 210,895.00 | 210,895.00 | 210,895.00 | 210,895.00 | 210,895.00 | 210,895.00 | 210,895.00 | 210,895.00 |
| Intangible Assets | 1,317.00 | 1,436.00 | 1,554.00 | 1,679.00 | 1,805.00 | 1,931.00 | 2,057.00 | 2,189.00 | 2,323.00 | 2,457.00 | 0 | 0 | 0 | 3,020.00 | 0 | 0 | 0 | 3,705.00 | 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 | 51,587.00 | 55,203.00 | 52,913.00 | 53,325.00 | 50,131.00 | 50,339.00 | 47,225.00 | 46,116.00 | 56,500.00 | 51,973.00 | 53,151.00 | 51,107.00 | 54,278.00 | 49,350.00 | 34,349.00 | 25,709.00 | 27,771.00 | 29,323.00 | 32,230.00 | 30,846.00 |
| 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 | 6,894,806.00 | 6,994,488.00 | 6,985,028.00 | 6,986,532.00 | 7,020,842.00 | 6,929,890.00 | 6,992,894.00 | 7,049,854.00 | 7,125,332.00 | 7,195,531.00 | 7,483,106.00 | 7,416,678.00 | 7,014,616.00 | 6,825,883.00 | 6,434,722.00 | 6,190,753.00 | 6,169,265.00 | 6,240,791.00 | 6,294,182.00 | 6,242,812.00 |
| Payables and Expenses | 0 | 3,549.00 | 0 | 0 | 0 | 2,265.00 | 0 | 0 | 0 | 4,893.00 | 0 | 0 | 2,542.00 | 0 | 85.00 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 3,549.00 | 0 | 0 | 0 | 2,265.00 | 0 | 0 | 0 | 4,893.00 | 0 | 0 | 2,542.00 | 0 | 85.00 | 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 | 1,667,055.00 | 1,626,933.00 | 1,506,812.00 | 1,611,692.00 | 1,383,573.00 | 851,454.00 | 901,337.00 | 851,220.00 | 20,000.00 | 55,000.00 | 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 | 753,204.00 | 1,492,585.00 | 748,113.00 | 744,853.00 | 751,537.00 | 1,508,183.00 | 849,078.00 | 847,978.00 | 849,534.00 | 1,739,414.00 | 866,230.00 | 872,640.00 | 874,974.00 | 1,788,420.00 | 955,169.00 | 995,470.00 | 1,014,423.00 | 2,086,722.00 | 1,063,812.00 | 1,092,341.00 |
| Shareholders Equity | 1,438,671.00 | 2,165,882.00 | 1,427,098.00 | 1,417,609.00 | 1,438,350.00 | 2,197,550.00 | 1,634,497.00 | 1,632,126.00 | 1,612,592.00 | 2,538,396.00 | 1,659,407.00 | 1,676,259.00 | 1,673,608.00 | 2,626,273.00 | 1,888,849.00 | 1,992,514.00 | 2,031,182.00 | 3,134,976.00 | 2,128,981.00 | 2,191,135.00 |
| Capital Stock | 648.00 | 646.00 | 646.00 | 646.00 | 646.00 | 644.00 | 644.00 | 645.00 | 652.00 | 659.00 | 667.00 | 674.00 | 680.00 | 687.00 | 714.00 | 735.00 | 758.00 | 790.00 | 820.00 | 849.00 |
| Share Premium | 494,490.00 | 494,546.00 | 494,131.00 | 494,092.00 | 493,523.00 | 493,680.00 | 493,187.00 | 493,297.00 | 497,269.00 | 503,332.00 | 509,359.00 | 515,332.00 | 520,245.00 | 528,396.00 | 561,176.00 | 587,392.00 | 616,894.00 | 654,396.00 | 691,280.00 | 724,389.00 |
| Retained Earnings | 344,287.00 | 341,744.00 | 341,921.00 | 342,155.00 | 342,522.00 | 343,326.00 | 440,308.00 | 439,755.00 | 460,464.00 | 457,611.00 | 452,605.00 | 449,489.00 | 454,710.00 | 445,451.00 | 441,522.00 | 431,549.00 | 420,701.00 | 408,367.00 | 397,594.00 | 388,376.00 |
| 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 | -67,737.00 | -72,004.00 | -69,128.00 | -72,097.00 | -64,724.00 | -63,163.00 | -63,659.00 | -63,830.00 | -86,476.00 | -69,456.00 | -73,053.00 | -69,021.00 | -76,340.00 | -55,727.00 | -22,949.00 | 1,574.00 | 2,336.00 | 6,144.00 | 1,357.00 | 6,453.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 10,288.00 | 522,860.00 | 23,384.00 | 32,110.00 | 23,331.00 | 601,780.00 | 55,794.00 | 44,120.00 | 80,291.00 | 648,184.00 | 47,816.00 | 63,617.00 | 66,511.00 | 118,291.00 | 477,740.00 | 53,142.00 | 37,497.00 | 38,138.00 | 27,168.00 | 29,549.00 |
| Debt | 0 | 12,918.00 | 0 | 0 | 0 | 15,322.00 | 0 | 1,667,055.00 | 1,626,933.00 | 1,506,812.00 | 1,611,692.00 | 1,383,573.00 | 851,454.00 | 901,337.00 | 851,220.00 | 20,000.00 | 55,000.00 | 0 | 0 | 0 |
| Net Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,593,195.00 | 1,569,714.00 | 1,268,104.00 | 1,417,124.00 | 1,307,913.00 | 755,378.00 | 542,607.00 | 788,841.00 | 0 | 930.00 | 0 | 0 | 0 |
| Common Shares Outstanding | 64,739.15 | 129,011.42 | 64,579.68 | 64,579.68 | 64,579.68 | 64,434.42 | 64,437.00 | 64,445.27 | 65,132.41 | 65,864.07 | 66,679.99 | 67,387.87 | 67,937.67 | 68,666.32 | 0 | 73,453.23 | 75,799.97 | 78,964.86 | 81,942.97 | 84,938.27 |
| 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 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,407.00 | 1,497.00 | 763.00 | -1,254.00 | 1,922.00 | 1,305.00 | 607.00 | 4,297.00 | 2,972.00 |
| Cost Of Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,792.00 | 2,341.00 | 670.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Income | 84,026.00 | -171,516.00 | 250,525.00 | 169,418.00 | 85,718.00 | -163,976.00 | 252,801.00 | 168,241.00 | 83,215.00 | -120,546.00 | 217,239.00 | 138,627.00 | 65,181.00 | -111,068.00 | 168,980.00 | 113,964.00 | 57,637.00 | 179,996.00 | 120,978.00 |
| Interest Expense | 50,181.00 | -58,411.00 | 123,929.00 | 99,679.00 | 50,806.00 | -81,088.00 | 136,560.00 | 88,794.00 | 42,008.00 | -19,924.00 | 78,347.00 | 43,547.00 | 15,889.00 | -14,503.00 | 21,715.00 | 14,841.00 | 7,616.00 | 41,244.00 | 30,562.00 |
| Net Interest | 37,704.00 | -61,661.00 | 99,100.00 | 65,058.00 | 32,446.00 | -80,883.00 | 109,318.00 | 74,999.00 | 39,160.00 | -101,665.00 | 135,685.00 | 93,314.00 | 48,531.00 | -97,268.00 | 146,004.00 | 98,277.00 | 49,590.00 | 136,346.00 | 88,715.00 |
| Non-Interest Income | 5,847.00 | -9,134.00 | 14,061.00 | 9,499.00 | 4,626.00 | 13,798.00 | -7,799.00 | -12,002.00 | 4,010.00 | 310.00 | -915.00 | -2,561.00 | 5,917.00 | -8,923.00 | 11,124.00 | 7,933.00 | 3,800.00 | 20,353.00 | 14,887.00 |
| Non-Interest Expense | 31,666.00 | -58,240.00 | 89,737.00 | 59,347.00 | 29,786.00 | 37,236.00 | 88,600.00 | 59,541.00 | 29,774.00 | -67,865.00 | 94,990.00 | 64,638.00 | 31,988.00 | -59,664.00 | 92,096.00 | 61,473.00 | 31,803.00 | 93,899.00 | 64,083.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,792.00 | 2,341.00 | 670.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -385.00 | -844.00 | 93.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 3,869.00 | -5,987.00 | 9,966.00 | 6,282.00 | 3,140.00 | -5,729.00 | 9,211.00 | 5,961.00 | 2,986.00 | -8,299.00 | 11,065.00 | 7,555.00 | 3,837.00 | -9,591.00 | 12,282.00 | 8,543.00 | 4,939.00 | 11,255.00 | 7,255.00 |
| EBT | 11,967.00 | 11,955.00 | 22,843.00 | 14,995.00 | 7,178.00 | -191,933.00 | 10,220.00 | 1,106.00 | 13,151.00 | 10,523.00 | 36,988.00 | 23,774.00 | 21,790.00 | 3,309.00 | 76,772.00 | 52,557.00 | 26,987.00 | 58,980.00 | 36,825.00 |
| Income Tax | 2,461.00 | -2,139.00 | 3,537.00 | 2,337.00 | 1,086.00 | -9,330.00 | 6,808.00 | 5,091.00 | 3,309.00 | -7,280.00 | 8,190.00 | 5,288.00 | 5,255.00 | -17,409.00 | 20,595.00 | 14,073.00 | 7,272.00 | 14,230.00 | 8,498.00 |
| Net Income | 9,506.00 | -11,981.00 | 19,306.00 | 12,658.00 | 6,092.00 | -95,936.00 | 3,412.00 | -3,985.00 | 9,842.00 | -23,008.00 | 28,798.00 | 18,486.00 | 16,535.00 | -46,829.00 | 56,177.00 | 38,484.00 | 19,715.00 | 44,750.00 | 28,327.00 |
| EBIT | 62,148.00 | -46,456.00 | 146,772.00 | 114,674.00 | 57,984.00 | -273,021.00 | 146,780.00 | 89,900.00 | 55,159.00 | -9,401.00 | 115,335.00 | 67,321.00 | 37,679.00 | -11,194.00 | 98,487.00 | 67,398.00 | 34,603.00 | 100,224.00 | 67,387.00 |
| Deprecation and Amortization | 1,300.00 | -3,755.00 | 4,791.00 | 3,357.00 | 1,622.00 | -4,227.00 | 6,028.00 | 3,993.00 | 1,978.00 | -7,437.00 | 9,089.00 | 6,571.00 | 3,157.00 | -3,396.00 | 5,009.00 | 3,360.00 | 1,683.00 | 5,152.00 | 3,417.00 |
| EBITDA | 63,448.00 | -50,211.00 | 151,563.00 | 118,031.00 | 59,606.00 | -277,248.00 | 152,808.00 | 93,893.00 | 57,137.00 | -16,838.00 | 124,424.00 | 73,892.00 | 40,836.00 | -14,590.00 | 103,496.00 | 70,758.00 | 36,286.00 | 105,376.00 | 70,804.00 |
| 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 | 62,741.00 | 62,722.00 | 62,478.00 | 62,443.00 | 62,389.00 | 61,598.00 | 62,507.00 | 62,657.00 | 63,014.00 | 62,915.00 | 65,181.00 | 65,383.00 | 65,737.00 | 63,703.00 | 72,130.00 | 73,274.00 | 74,537.00 | 83,958.00 | 85,564.00 |
| Average Shares Outstanding Diluted | 62,951.00 | 63,265.00 | 62,705.00 | 62,474.00 | 62,420.00 | 61,551.00 | 62,507.00 | 62,657.00 | 63,061.00 | 62,876.00 | 65,191.00 | 65,393.00 | 65,756.00 | 63,725.00 | 72,154.00 | 73,297.00 | 74,556.00 | 83,961.00 | 85,566.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 1,504.00 | 21,677.00 | 16,683.00 | -117.00 | 2,539.00 | -4,776.00 | 36,713.00 | 19,146.00 | 12,284.00 | -19,323.00 | 57,901.00 | 36,057.00 | 20,705.00 | 148,204.00 | 57,155.00 | 26,519.00 | 5,414.00 | 57,723.00 | 30,820.00 |
| Operating Net Income | 9,506.00 | 40,169.00 | 19,306.00 | 12,658.00 | 6,092.00 | -269,270.00 | 3,412.00 | -3,985.00 | 9,842.00 | 58,614.00 | 28,798.00 | 18,486.00 | 16,535.00 | 88,265.00 | 56,177.00 | 38,484.00 | 19,715.00 | 44,750.00 | 28,327.00 |
| Deprecation and Amortization | 1,300.00 | -3,755.00 | 4,791.00 | 3,357.00 | 1,622.00 | -4,227.00 | 6,028.00 | 3,993.00 | 1,978.00 | -7,437.00 | 9,089.00 | 6,571.00 | 3,157.00 | -3,396.00 | 5,009.00 | 3,360.00 | 1,683.00 | 5,152.00 | 3,417.00 |
| Deferred Income Tax | 1,892.00 | -2,588.00 | 13.00 | 758.00 | 875.00 | -9,369.00 | 2,438.00 | 3,638.00 | 2,426.00 | -7,204.00 | 3,150.00 | 3,536.00 | 3,307.00 | 5,023.00 | 0 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 847.00 | -1,501.00 | 2,261.00 | 1,736.00 | 680.00 | -2,853.00 | 3,010.00 | 2,563.00 | 1,283.00 | -3,135.00 | 3,971.00 | 2,675.00 | 1,362.00 | -4,480.00 | 5,062.00 | 3,720.00 | 2,038.00 | 5,716.00 | 3,763.00 |
| Change in Working Capital | -7,452.00 | -1,582.00 | -11,233.00 | -363.00 | -1,805.00 | -27,867.00 | 8,822.00 | 10,338.00 | 16,656.00 | -2,281.00 | -4,448.00 | 1,726.00 | -1,934.00 | 47,741.00 | -21,755.00 | -23,660.00 | -17,709.00 | 2,134.00 | 3,160.00 |
| Other Operating Activities | -4,589.00 | -9,066.00 | 1,545.00 | -18,263.00 | -4,925.00 | 308,810.00 | 13,003.00 | 2,599.00 | -19,901.00 | -57,880.00 | 17,341.00 | 3,063.00 | -1,722.00 | 15,051.00 | 12,662.00 | 4,615.00 | -313.00 | -29.00 | -7,847.00 |
| Investing Cash Flow | 62,265.00 | -10,994.00 | 10,824.00 | 29,495.00 | 13,721.00 | -167,800.00 | 202,278.00 | 160,788.00 | 64,730.00 | 989,736.00 | -575,203.00 | -624,738.00 | -205,896.00 | -473,636.00 | -152,571.00 | 81,315.00 | 81,699.00 | -139,644.00 | -72,400.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 219.00 | 0.00 | 0.00 | -219.00 | 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 | 367.00 | -3,023.00 | 2,597.00 | 2,452.00 | 1,357.00 | 1,212.00 | 323.00 | 34.00 | -219.00 | -1,453.00 | 1,255.00 | 668.00 | 885.00 | -67.00 | 1,859.00 | 728.00 | 400.00 | 2,889.00 | 2,224.00 |
| Net Purchase/Sale of Investments Net | 154,082.00 | -202,882.00 | 216,905.00 | 185,953.00 | 104,605.00 | -453,492.00 | 385,596.00 | 334,636.00 | 67,492.00 | -498,422.00 | 526,259.00 | 387,728.00 | 33,612.00 | -358,298.00 | 576,127.00 | 367,540.00 | 182,494.00 | 1,322,774.00 | 906,545.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4,296.00 | 4,296.00 |
| Net Loan & Lease Activity | 730.00 | 60,341.00 | 702.00 | 123,389.00 | 81,707.00 | ||||||||||||||
| Other Investing Activities | -92,184.00 | 194,181.00 | -208,678.00 | -158,910.00 | -92,241.00 | 223,920.00 | -183,641.00 | -173,882.00 | -2,324.00 | 1,490,221.00 | -1,102,717.00 | -1,013,790.00 | -241,049.00 | -34,229.00 | -843,042.00 | -359,298.00 | -120,796.00 | -1,504,238.00 | -1,008,973.00 |
| Financing Cash Flow | -100,899.00 | -148,957.00 | 34,724.00 | 48,312.00 | 75,450.00 | 157,346.00 | -238,479.00 | -176,589.00 | -90,310.00 | -1,091,883.00 | 610,255.00 | 562,726.00 | 179,652.00 | 397,415.00 | 89,940.00 | -115,237.00 | -100,898.00 | 9,945.00 | -9,693.00 |
| Net Issuance/Repayment of Debt | 2,300,000.00 | -4,718,500.00 | 5,916,000.00 | 4,316,000.00 | 2,525,000.00 | -6,052,500.00 | 9,125,000.00 | 6,900,000.00 | 2,675,000.00 | -7,125,000.00 | 9,735,000.00 | 6,335,000.00 | 2,985,000.00 | 4,800,000.00 | 2,215,000.00 | 780,000.00 | 390,000.00 | 4,212,796.00 | 3,032,796.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 373.00 | 0 |
| Dividends Paid | 7,095.00 | -13,980.00 | 20,739.00 | 13,864.00 | 7,011.00 | -13,981.00 | 20,713.00 | 13,822.00 | 7,010.00 | -14,617.00 | 21,523.00 | 14,350.00 | 7,243.00 | -15,539.00 | 23,291.00 | 15,585.00 | 7,356.00 | 20,981.00 | 13,793.00 |
| Other Financing Activities | -2,407,994.00 | 4,583,523.00 | -5,902,015.00 | -4,281,552.00 | -2,456,561.00 | 6,223,827.00 | -9,384,192.00 | -7,090,411.00 | -2,772,320.00 | 6,047,734.00 | -9,146,268.00 | -5,786,624.00 | -2,812,591.00 | -4,387,046.00 | -2,148,351.00 | -910,822.00 | -498,254.00 | -4,224,205.00 | -3,056,282.00 |
| Net Change in Cash | -37,130.00 | -138,274.00 | 62,231.00 | 77,690.00 | 91,710.00 | -15,230.00 | 512.00 | 3,345.00 | -13,296.00 | -121,470.00 | 92,953.00 | -25,955.00 | -5,539.00 | 60,424.00 | -5,476.00 | -7,403.00 | -13,785.00 | -71,976.00 | -51,273.00 |
| Cash at Beginning of Period | 167,269.00 | 305,543.00 | 63,864.00 | 63,864.00 | 63,864.00 | 79,094.00 | 70,515.00 | 70,515.00 | 70,515.00 | 191,985.00 | 101,615.00 | 101,615.00 | 101,615.00 | 41,191.00 | 67,855.00 | 67,855.00 | 67,855.00 | 180,967.00 | 180,967.00 |
| Cash at End of Period | 130,139.00 | 167,269.00 | 126,095.00 | 141,554.00 | 155,574.00 | 63,864.00 | 71,027.00 | 73,860.00 | 57,219.00 | 70,515.00 | 194,568.00 | 75,660.00 | 96,076.00 | 101,615.00 | 62,379.00 | 60,452.00 | 54,070.00 | 108,991.00 | 129,694.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12,065.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |