MCB
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 9.78 | 7.97 | 10.82 | 16.04 | 7.62 |
| Price to Sales | 27.28 | 21.97 | 23.88 | 41.47 | 35.23 |
| Book Value Per Common Share | 190.79 | 173.55 | 157.78 | 153.01 | 123.25 |
| Price to Book | 0.31 | 0.32 | 0.37 | 0.70 | 0.29 |
| Price to Operating Cash Flow | 4.27 | 11.71 | 7.18 | 22.70 | 3.45 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 16766.75 | 18054.92 | 33382.18 | 67446.51 | 25672.87 |
| 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 | 18.99 | 21.67 | 38.35 | 12.98 | 14.22 | 26.37 | 6.43 | 9.52 | 15.00 | 10.50 | 17.98 | 58.49 | 17.24 | 19.68 | 34.49 | |||||
| Price to Sales | 92.63 | 123.41 | 176.12 | 30.35 | 35.76 | 60.99 | 18.74 | 26.07 | 53.87 | 34.30 | 51.96 | 147.54 | 69.14 | 72.61 | 127.59 | |||||
| Book Value Per Common Share | 136.99 | 134.39 | 129.09 | 190.79 | 123.83 | 119.06 | 115.71 | 173.55 | 114.40 | 56.53 | 54.22 | 157.78 | 53.26 | 52.54 | 51.23 | 153.01 | 50.98 | 43.57 | 41.73 | 123.25 |
| Price to Book | 0.55 | 0.52 | 0.43 | 0.31 | 0.42 | 0.35 | 0.33 | 0.32 | 0.32 | 0.61 | 0.63 | 0.37 | 1.21 | 1.32 | 1.99 | 0.70 | 1.65 | 1.38 | 1.21 | 0.29 |
| Price to Operating Cash Flow | 13.85 | 29.14 | 80.86 | 9.05 | 7.82 | 17.15 | 5.48 | 8.46 | 9.59 | 9.46 | 36.14 | 35.99 | 33.34 | -287.04 | -4094.31 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 33917.99 | 45945.17 | 80852.65 | 24851.66 | 29305.69 | 53785.94 | 20749.73 | 31783.10 | 63918.66 | 60945.59 | 108151.29 | 352699.66 | 116764.43 | 105858.43 | 185087.40 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -14.10 | 28.23 | -18.37 | 39.50 | |
| Revenue YoY | -14.15 | 3.83 | 15.99 | 173.51 | |
| EBITDA YoY | 14.94 | 76.32 | 11.59 | 47.19 | |
| Net Profit YoY | -13.70 | 30.03 | -1.87 | 53.44 |
| 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 | 21.98 | 121.23 | 36.82 | 102.74 | 54.52 | 61.50 | 58.81 | 121.84 | 59.80 | 109.59 | ||||||||||
| Revenue YoY | 40.24 | 73.21 | 47.20 | 87.48 | 44.33 | 113.53 | 40.45 | 93.87 | 203.75 | 52.44 | 111.02 | |||||||||
| EBITDA YoY | 44.24 | 107.19 | 47.33 | 100.68 | 61.05 | 102.05 | 64.53 | 122.44 | 23.83 | 61.92 | 109.04 | |||||||||
| Net Profit YoY | 20.27 | 114.75 | 37.17 | 103.68 | 54.29 | 62.06 | 59.12 | 121.91 | 63.71 | 110.06 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 21.05 | 28.79 | 26.87 | 272.19 | 107.88 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 4.52 | 4.88 | 4.96 | 5.93 | 5.92 |
| 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 | 37.73 | 15.74 | 19.64 | 21.01 | 30.41 | 23.67 | 51.25 | 28.78 | 19.51 | 21.32 | 30.06 | 26.82 | 67.48 | 125.78 | 132.46 | 224.61 | 219.30 | 211.78 | 139.66 | 106.92 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 10.25 | 9.86 | 9.32 | 4.52 | 9.35 | 9.49 | 10.07 | 4.88 | 9.53 | 9.50 | 9.38 | 4.96 | 10.03 | 10.96 | 10.83 | 5.93 | 10.32 | 14.92 | 13.14 | 5.92 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.83 | 1.00 | 0.87 | 0.78 | 0.84 |
| ROE | 4.57 | 5.86 | 5.16 | 5.44 | 5.79 |
| Gross Margin | 73.86 | 55.94 | |||
| Operating Margin | 1581.72 | 1206.65 | 700.54 | 723.07 | 1378.01 |
| EBITDA Margin | 1629.40 | 1217.05 | 716.70 | 744.94 | 1384.26 |
| Net Profit Margin | 278.60 | 277.14 | 221.31 | 261.58 | 466.28 |
| 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 | 0.51 | 0.45 | 0.21 | 0.61 | 0.45 | 0.22 | 0.94 | 0.62 | 0.40 | 1.05 | 0.61 | 0.29 | 0.68 | 0.44 | 0.25 | |||||
| ROE | 5.77 | 4.86 | 2.22 | 6.33 | 4.77 | 2.41 | 9.88 | 6.54 | 4.13 | 11.54 | 7.35 | 3.40 | 7.68 | 7.00 | 3.48 | |||||
| Gross Margin | -301.22 | -76.26 | -26.40 | 75.47 | 84.32 | 92.49 | 73.18 | 66.63 | 90.70 | |||||||||||
| Operating Margin | 2543.07 | 2515.94 | 2108.84 | 1174.75 | 1176.68 | 1094.51 | 893.60 | 799.76 | 842.92 | 538.92 | 464.70 | 403.27 | 699.45 | 653.74 | 655.89 | |||||
| EBITDA Margin | 2644.48 | 2571.22 | 2149.54 | 1221.32 | 1220.23 | 1139.95 | 903.27 | 809.48 | 855.47 | 562.74 | 480.39 | 418.68 | 731.11 | 688.31 | 694.83 | |||||
| Net Profit Margin | 487.76 | 568.76 | 458.74 | 233.44 | 250.51 | 230.58 | 292.81 | 273.91 | 360.91 | 327.44 | 289.03 | 252.50 | 396.50 | 369.21 | 370.89 |
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 | 8,051,854.00 | 7,747,865.00 | 6,864,251.00 | 7,719,415.00 | 4,717,764.00 |
| Deposits | 15,968,579.00 | 16,988,975.00 | 17,822,277.00 | 23,877,163.00 | 12,782,152.00 |
| Cash and Short-Term Investments | 235,275.00 | 318,384.00 | 293,674.00 | 2,452,870.00 | 886,905.00 |
| Cash and Cash Equivalents | 230,166.00 | 318,384.00 | 293,674.00 | 2,452,870.00 | 873,027.00 |
| Short-Term Investments | 5,109.00 | 0 | 0 | 0 | 13,878.00 |
| Net Receivables | 0 | 0 | 0 | 15,195.00 | 13,249.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 100,978.00 | 96,535.00 | 92,864.00 | 15,116.00 | 13,475.00 |
| Goodwill | 9,700.00 | 9,700.00 | 9,700.00 | 9,733.00 | 9,733.00 |
| 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 | 6,592,200.00 | 6,429,823.00 | 5,712,457.00 | 6,605,437.00 | 4,036,190.00 |
| 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 | 137,600.00 | 137,000.00 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 1,459,654.00 | 1,318,042.00 | 1,151,794.00 | 1,113,978.00 | 681,574.00 |
| Shareholders Equity | 2,136,347.00 | 1,919,921.00 | 1,727,691.00 | 1,670,967.00 | 1,022,361.00 |
| Capital Stock | 112.00 | 111.00 | 109.00 | 109.00 | 170.00 |
| Share Premium | 400,188.00 | 395,871.00 | 389,276.00 | 382,999.00 | 218,899.00 |
| Retained Earnings | 382,661.00 | 315,975.00 | 240,810.00 | 181,385.00 | 120,830.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -53,134.00 | -158,808.00 | -162,894.00 | -22,512.00 | 4,126.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 30,636.00 | 38,966.00 | 2,890,626.00 | 2,858,167.00 | 1,630,331.00 |
| Debt | 56,122.00 | 48,825.00 | 48,965.00 | 123,125.00 | 127,518.00 |
| Common Shares Outstanding | 11,197.62 | 11,062.73 | 10,949.97 | 10,920.57 | 8,295.27 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 23,936.00 | 27,880.00 | 26,851.00 | 23,150.00 | 8,464.00 |
| Cost Of Revenue | 6,257.00 | 12,283.00 | 0 | 0 | 0 |
| Interest Income | 470,665.00 | 377,976.00 | 261,712.00 | 173,919.00 | 143,944.00 |
| Interest Expense | 216,829.00 | 154,083.00 | 33,009.00 | 18,339.00 | 20,384.00 |
| Net Interest | 251,596.00 | 221,371.00 | 227,764.00 | 154,972.00 | 122,748.00 |
| Non-Interest Income | 23,829.00 | 27,903.00 | 26,593.00 | 7,057.00 | 5,653.00 |
| Non-Interest Expense | 173,575.00 | 131,538.00 | 148,737.00 | 87,312.00 | 74,518.00 |
| Provisions for Credit Losses | 6,257.00 | 12,283.00 | 0 | 0 | 0 |
| Gross Profit | 17,679.00 | 15,597.00 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 41,988.00 | 32,348.00 | 27,991.00 | 20,006.00 | 12,462.00 |
| EBT | 161,771.00 | 182,331.00 | 155,094.00 | 149,051.00 | 96,251.00 |
| Income Tax | 33,930.00 | 32,999.00 | 39,301.00 | 30,286.00 | 20,621.00 |
| Net Income | 66,686.00 | 77,268.00 | 59,425.00 | 60,555.00 | 39,466.00 |
| EBIT | 378,600.00 | 336,414.00 | 188,103.00 | 167,390.00 | 116,635.00 |
| Deprecation and Amortization | 11,412.00 | 2,899.00 | 4,338.00 | 5,063.00 | 529.00 |
| EBITDA | 390,012.00 | 339,313.00 | 192,441.00 | 172,453.00 | 117,164.00 |
| EPS | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Diluted EPS | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Average Shares Outstanding Basic | 11,179.07 | 11,060.11 | 10,929.02 | 9,011.70 | 8,221.43 |
| Average Shares Outstanding Diluted | 11,255.22 | 11,129.90 | 11,200.18 | 9,272.82 | 8,398.44 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 152,915.00 | 52,290.00 | 89,310.00 | 42,288.00 | 86,330.00 |
| Operating Net Income | 136,846.00 | 80,638.00 | 60,775.00 | 60,967.00 | 118,398.00 |
| Deprecation and Amortization | -11,412.00 | 2,899.00 | 4,338.00 | 5,063.00 | 529.00 |
| Deferred Income Tax | -2,798.00 | -2,800.00 | -4,000.00 | -120.00 | 290.00 |
| Share Based Compensation | 8,899.00 | 9,765.00 | 7,836.00 | 4,821.00 | 6,214.00 |
| Change in Working Capital | 14,521.00 | 1,325.00 | 39,772.00 | -31,367.00 | 42,693.00 |
| Other Operating Activities | 6,859.00 | -39,537.00 | -19,411.00 | 2,924.00 | -81,794.00 |
| Investing Cash Flow | -369,611.00 | -774,673.00 | -1,229,350.00 | -1,434,997.00 | -489,035.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 2,631.00 | 5,749.00 | 19,245.00 | 3,995.00 | 3,913.00 |
| Net Purchase/Sale of Investments Net | 254,066.00 | 501,356.00 | 378,944.00 | 1,040,337.00 | 423,813.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 395,390.00 | 789,736.00 | 1,113,963.00 | 618,323.00 | 464,685.00 |
| Other Investing Activities | -1,021,698.00 | -2,071,514.00 | -2,741,502.00 | -3,097,652.00 | -1,381,446.00 |
| Financing Cash Flow | 147,373.00 | 741,900.00 | -984,744.00 | 2,920,067.00 | 875,969.00 |
| Net Issuance/Repayment of Debt | 200,000.00 | 0 | 0 | 16,622.00 | 0 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 194.00 | 162,687.00 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | -52,627.00 | 741,900.00 | -984,938.00 | 2,740,758.00 | 875,969.00 |
| Net Change in Cash | -69,323.00 | 19,517.00 | -2,124,784.00 | 1,527,358.00 | 473,264.00 |
| Cash at Beginning of Period | 269,591.00 | 249,948.00 | 2,382,202.00 | 831,992.00 | 391,041.00 |
| Cash at End of Period | 200,268.00 | 269,465.00 | 257,418.00 | 2,359,350.00 | 864,305.00 |
| 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 | 8,234,430.00 | 7,853,849.00 | 7,616,298.00 | 8,051,854.00 | 7,403,358.00 | 7,265,591.00 | 7,453,371.00 | 7,747,865.00 | 6,683,359.00 | 6,522,150.00 | 6,309,982.00 | 6,864,251.00 | 6,422,061.00 | 6,867,042.00 | 6,626,940.00 | 7,719,415.00 | 6,141,254.00 | 5,787,193.00 | 4,922,801.00 | 4,717,764.00 |
| Deposits | 18,292,553.00 | 17,864,929.00 | 17,052,156.00 | 15,968,579.00 | 17,880,729.00 | 17,988,852.00 | 18,257,971.00 | 16,988,975.00 | 16,283,056.00 | 15,768,270.00 | 16,631,394.00 | 17,822,277.00 | 20,637,088.00 | 22,767,775.00 | 21,406,870.00 | 23,877,163.00 | 19,326,607.00 | 18,958,954.00 | 15,357,131.00 | 12,782,152.00 |
| Cash and Short-Term Investments | 404,593.00 | 171,306.00 | 220,256.00 | 235,275.00 | 340,365.00 | 264,936.00 | 570,555.00 | 318,384.00 | 215,820.00 | 237,376.00 | 332,028.00 | 293,674.00 | 737,707.00 | 1,375,024.00 | 1,446,441.00 | 2,452,870.00 | 1,890,140.00 | 1,760,371.00 | 1,155,858.00 | 886,905.00 |
| Cash and Cash Equivalents | 399,045.00 | 166,030.00 | 215,035.00 | 230,166.00 | 335,152.00 | 262,814.00 | 568,440.00 | 318,384.00 | 213,805.00 | 235,310.00 | 332,028.00 | 293,674.00 | 737,707.00 | 1,375,024.00 | 1,446,441.00 | 2,452,870.00 | 1,890,140.00 | 1,748,916.00 | 1,144,453.00 | 873,027.00 |
| Short-Term Investments | 5,548.00 | 5,276.00 | 5,221.00 | 5,109.00 | 5,213.00 | 2,122.00 | 2,115.00 | 0 | 2,015.00 | 2,066.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 11,455.00 | 11,405.00 | 13,878.00 |
| Net Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 20,370.00 | 18,203.00 | 16,186.00 | 15,195.00 | 13,504.00 | 14,424.00 | 13,982.00 | 13,249.00 |
| 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 | 100,978.00 | 0 | 0 | 0 | 96,535.00 | 0 | 0 | 0 | 92,864.00 | 31,503.00 | 17,933.00 | 16,434.00 | 15,116.00 | 14,031.00 | 13,337.00 | 13,756.00 | 13,475.00 |
| Goodwill | 0 | 0 | 0 | 9,700.00 | 0 | 0 | 0 | 9,700.00 | 0 | 0 | 0 | 9,700.00 | 9,733.00 | 9,733.00 | 9,733.00 | 9,733.00 | 9,733.00 | 9,733.00 | 9,733.00 | 9,733.00 |
| 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 | 7,502,390.00 | 7,130,881.00 | 6,878,452.00 | 6,592,200.00 | 6,688,167.00 | 6,573,187.00 | 6,779,830.00 | 6,429,823.00 | 6,048,449.00 | 5,900,875.00 | 5,702,095.00 | 5,712,457.00 | 5,839,824.00 | 6,292,736.00 | 6,066,910.00 | 6,605,437.00 | 5,598,600.00 | 5,423,598.00 | 4,574,584.00 | 4,036,190.00 |
| 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 | 137,600.00 | 0 | 0 | 0 | 137,000.00 | 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 | 732,040.00 | 722,968.00 | 737,846.00 | 1,459,654.00 | 715,191.00 | 692,404.00 | 673,541.00 | 1,318,042.00 | 634,910.00 | 621,275.00 | 607,887.00 | 1,151,794.00 | 582,237.00 | 574,306.00 | 560,030.00 | 1,113,978.00 | 542,654.00 | 363,595.00 | 348,217.00 | 681,574.00 |
| Shareholders Equity | 1,422,228.00 | 1,400,481.00 | 1,428,522.00 | 2,136,347.00 | 1,386,255.00 | 1,332,603.00 | 1,294,992.00 | 1,919,921.00 | 1,265,614.00 | 621,275.00 | 607,887.00 | 1,727,691.00 | 582,237.00 | 574,306.00 | 560,030.00 | 1,670,967.00 | 542,654.00 | 363,595.00 | 348,217.00 | 1,022,361.00 |
| Capital Stock | 113.00 | 113.00 | 113.00 | 112.00 | 112.00 | 112.00 | 112.00 | 111.00 | 110.00 | 110.00 | 112.00 | 109.00 | 109.00 | 109.00 | 109.00 | 109.00 | 109.00 | 86.00 | 86.00 | 170.00 |
| Share Premium | 403,708.00 | 401,055.00 | 398,823.00 | 400,188.00 | 397,963.00 | 395,520.00 | 393,341.00 | 395,871.00 | 393,544.00 | 392,742.00 | 394,124.00 | 389,276.00 | 387,406.00 | 385,369.00 | 383,327.00 | 382,999.00 | 382,922.00 | 219,098.00 | 217,384.00 | 218,899.00 |
| Retained Earnings | 423,338.00 | 417,782.00 | 399,015.00 | 382,661.00 | 361,243.00 | 348,977.00 | 332,178.00 | 315,975.00 | 301,407.00 | 279,344.00 | 265,883.00 | 240,810.00 | 248,550.00 | 223,595.00 | 200,406.00 | 181,385.00 | 162,498.00 | 146,283.00 | 132,947.00 | 120,830.00 |
| Treasury Shares | 53,267.00 | 50,527.00 | 12,935.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -41,852.00 | -45,455.00 | -47,170.00 | -53,134.00 | -88,254.00 | -104,410.00 | -104,180.00 | -158,808.00 | -60,151.00 | -50,921.00 | -50,132.00 | -162,894.00 | -53,828.00 | -34,767.00 | -23,812.00 | -22,512.00 | -2,875.00 | -1,872.00 | -2,200.00 | 4,126.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 27,330.00 | 27,297.00 | 27,062.00 | 30,636.00 | 26,586.00 | 26,584.00 | 32,669.00 | 38,966.00 | 35,015.00 | 28,040.00 | 27,099.00 | 2,890,626.00 | 2,851,407.00 | 3,006,560.00 | 2,936,852.00 | 2,858,167.00 | 3,637,057.00 | 3,292,724.00 | 2,910,447.00 | 1,630,331.00 |
| Debt | 55,330.00 | 55,352.00 | 55,426.00 | 56,122.00 | 135,576.00 | 135,648.00 | 135,718.00 | 48,825.00 | 28,241.00 | 28,275.00 | 28,309.00 | 48,965.00 | 47,532.00 | 52,664.00 | 52,942.00 | 123,125.00 | 80,877.00 | 81,753.00 | 81,765.00 | 127,518.00 |
| Common Shares Outstanding | 10,382.22 | 10,421.38 | 11,066.23 | 11,197.62 | 11,194.41 | 11,192.94 | 11,191.96 | 11,062.73 | 11,062.73 | 10,991.07 | 11,211.27 | 10,949.97 | 10,931.70 | 10,931.70 | 10,931.70 | 10,920.57 | 10,644.19 | 8,344.19 | 8,345.03 | 8,295.27 |
| 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 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 8,660.00 | 6,175.00 | 3,565.00 | -15,657.00 | 19,392.00 | 13,174.00 | 7,027.00 | -15,317.00 | 21,413.00 | 14,836.00 | 6,948.00 | -15,798.00 | 20,512.00 | 14,604.00 | 7,533.00 | 2,480.00 | 10,509.00 | 6,894.00 | 3,267.00 |
| Cost Of Revenue | 34,746.00 | 10,884.00 | 4,506.00 | -1,094.00 | 4,757.00 | 2,066.00 | 528.00 | 944.00 | 5,742.00 | 4,951.00 | 646.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Income | 379,249.00 | 246,812.00 | 119,353.00 | -221,807.00 | 350,223.00 | 229,258.00 | 112,991.00 | -150,786.00 | 271,917.00 | 173,258.00 | 83,587.00 | -80,745.00 | 180,832.00 | 110,528.00 | 51,097.00 | -68,429.00 | 124,630.00 | 79,461.00 | 38,257.00 |
| Interest Expense | 159,903.00 | 105,214.00 | 51,818.00 | -104,714.00 | 162,069.00 | 106,848.00 | 52,626.00 | -34,898.00 | 104,296.00 | 59,956.00 | 24,729.00 | 5,551.00 | 14,926.00 | 8,194.00 | 4,338.00 | -5,091.00 | 11,986.00 | 7,760.00 | 3,684.00 |
| Net Interest | 217,910.00 | 140,599.00 | 66,952.00 | -115,842.00 | 186,481.00 | 121,248.00 | 59,709.00 | -115,290.00 | 165,842.00 | 112,285.00 | 58,534.00 | -86,061.00 | 165,259.00 | 101,934.00 | 46,632.00 | -63,033.00 | 112,187.00 | 71,396.00 | 34,422.00 |
| Non-Interest Income | 8,788.00 | 6,261.00 | 3,638.00 | -15,746.00 | 19,428.00 | 13,143.00 | 7,004.00 | -15,242.00 | 21,342.00 | 14,829.00 | 6,974.00 | 26,593.00 | 0 | 0 | 0 | 7,057.00 | 0 | 0 | 0 |
| Non-Interest Expense | 131,625.00 | 85,831.00 | 42,722.00 | -87,896.00 | 135,414.00 | 84,157.00 | 41,900.00 | -57,345.00 | 94,391.00 | 63,467.00 | 31,025.00 | -8,848.00 | 82,078.00 | 50,888.00 | 24,619.00 | -39,017.00 | 63,995.00 | 42,011.00 | 20,323.00 |
| Provisions for Credit Losses | 34,746.00 | 10,884.00 | 4,506.00 | -1,094.00 | 4,757.00 | 2,066.00 | 528.00 | 944.00 | 5,742.00 | 4,951.00 | 646.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit | -26,086.00 | -4,709.00 | -941.00 | -14,563.00 | 14,635.00 | 11,108.00 | 6,499.00 | -16,261.00 | 15,671.00 | 9,885.00 | 6,302.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 30,885.00 | 19,418.00 | 9,669.00 | -26,737.00 | 33,792.00 | 23,607.00 | 11,326.00 | -16,108.00 | 24,026.00 | 16,586.00 | 7,844.00 | -6,474.00 | 19,387.00 | 10,089.00 | 4,989.00 | -1,898.00 | 11,246.00 | 7,330.00 | 3,328.00 |
| EBT | 60,327.00 | 50,145.00 | 23,362.00 | 23,580.00 | 65,738.00 | 48,168.00 | 24,285.00 | 2,747.00 | 87,051.00 | 58,696.00 | 33,837.00 | -26,234.00 | 95,617.00 | 59,671.00 | 26,040.00 | 32,479.00 | 61,519.00 | 37,309.00 | 17,744.00 |
| Income Tax | 18,367.00 | 15,304.00 | 6,728.00 | -12,097.00 | 21,623.00 | 15,938.00 | 8,466.00 | -20,270.00 | 25,473.00 | 18,658.00 | 9,138.00 | -13,391.00 | 28,212.00 | 17,461.00 | 7,019.00 | -7,048.00 | 19,851.00 | 11,856.00 | 5,627.00 |
| Net Income | 42,240.00 | 35,121.00 | 16,354.00 | -27,787.00 | 45,268.00 | 33,002.00 | 16,203.00 | -51,145.00 | 62,700.00 | 40,637.00 | 25,076.00 | -68,971.00 | 67,165.00 | 42,210.00 | 19,021.00 | -18,683.00 | 41,668.00 | 25,453.00 | 12,117.00 |
| EBIT | 220,230.00 | 155,359.00 | 75,180.00 | -81,134.00 | 227,807.00 | 155,016.00 | 76,911.00 | -32,151.00 | 191,347.00 | 118,652.00 | 58,566.00 | -20,683.00 | 110,543.00 | 67,865.00 | 30,378.00 | 27,388.00 | 73,505.00 | 45,069.00 | 21,428.00 |
| Deprecation and Amortization | 8,782.00 | 3,414.00 | 1,451.00 | -6,549.00 | 9,031.00 | 5,737.00 | 3,193.00 | -1,487.00 | 2,071.00 | 1,443.00 | 872.00 | -4,001.00 | 4,887.00 | 2,291.00 | 1,161.00 | -1,919.00 | 3,327.00 | 2,383.00 | 1,272.00 |
| EBITDA | 229,012.00 | 158,773.00 | 76,631.00 | -87,683.00 | 236,838.00 | 160,753.00 | 80,104.00 | -33,638.00 | 193,418.00 | 120,095.00 | 59,438.00 | -24,684.00 | 115,430.00 | 70,156.00 | 31,539.00 | 25,469.00 | 76,832.00 | 47,452.00 | 22,700.00 |
| EPS | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 | -0.00 | 0.01 | 0.00 | 0.00 | -0.00 | 0.01 | 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 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 10,722.31 | 10,886.12 | 11,215.12 | 11,197.31 | 11,193.06 | 11,192.94 | 11,132.99 | 10,999.50 | 11,060.05 | 11,136.26 | 11,044.62 | 10,932.82 | 10,931.70 | 10,931.70 | 10,919.87 | 10,839.42 | 8,618.97 | 8,312.23 | 8,276.17 |
| Average Shares Outstanding Diluted | 10,846.87 | 10,975.43 | 11,281.38 | 11,375.39 | 11,312.77 | 11,199.74 | 11,132.99 | 11,001.31 | 11,136.87 | 11,278.41 | 11,103.01 | 11,163.72 | 11,204.74 | 11,208.99 | 11,223.29 | 11,237.39 | 8,893.10 | 8,543.47 | 8,417.32 |
| 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 | 57,944.00 | 26,149.00 | 7,765.00 | 2,614.00 | 65,053.00 | 60,252.00 | 24,996.00 | -105,602.00 | 73,173.00 | 45,691.00 | 39,028.00 | -36,965.00 | 74,398.00 | 20,995.00 | 30,882.00 | 22,342.00 | 21,792.00 | -1,744.00 | -102.00 |
| Operating Net Income | 42,871.00 | 35,752.00 | 15,723.00 | 37,161.00 | 47,872.00 | 34,743.00 | 17,070.00 | -50,548.00 | 65,231.00 | 42,491.00 | 23,464.00 | -67,079.00 | 66,623.00 | 42,210.00 | 19,021.00 | -18,271.00 | 41,668.00 | 25,453.00 | 12,117.00 |
| Deprecation and Amortization | -8,782.00 | -3,414.00 | -1,451.00 | 6,549.00 | -9,031.00 | -5,737.00 | -3,193.00 | -1,487.00 | 2,071.00 | 1,443.00 | 872.00 | -4,001.00 | 4,887.00 | 2,291.00 | 1,161.00 | -1,919.00 | 3,327.00 | 2,383.00 | 1,272.00 |
| Deferred Income Tax | 0 | 0 | 0 | -2,798.00 | 0 | 0 | 0 | -2,800.00 | 0 | 0 | 0 | -4,000.00 | 0 | 0 | 0 | -120.00 | 0 | 0 | 0 |
| Share Based Compensation | 7,070.00 | 4,417.00 | 1,826.00 | -3,754.00 | 6,601.00 | 4,126.00 | 1,926.00 | -4,697.00 | 7,438.00 | 4,802.00 | 2,222.00 | -2,842.00 | 5,598.00 | 3,561.00 | 1,519.00 | -1,229.00 | 3,605.00 | 2,445.00 | 0 |
| Change in Working Capital | 34,803.00 | 6,998.00 | 7,302.00 | -24,493.00 | 37,184.00 | 4,177.00 | -2,347.00 | -64,673.00 | 32,360.00 | 20,800.00 | 12,838.00 | -8,568.00 | 8,619.00 | 24,673.00 | 15,048.00 | 45,305.00 | -29,933.00 | -31,554.00 | -15,185.00 |
| Other Operating Activities | -18,018.00 | -17,604.00 | -15,635.00 | -10,051.00 | -17,573.00 | 22,943.00 | 11,540.00 | 18,603.00 | -33,927.00 | -23,845.00 | -368.00 | 49,525.00 | -11,329.00 | -51,740.00 | -5,867.00 | -1,424.00 | 3,125.00 | -471.00 | 1,694.00 |
| Investing Cash Flow | -738,596.00 | -588,145.00 | -306,725.00 | 226,121.00 | -255,039.00 | -223,877.00 | -116,816.00 | 25,945.00 | -498,627.00 | -303,580.00 | 1,589.00 | 969,114.00 | -989,469.00 | -754,972.00 | -454,023.00 | 303,501.00 | -815,593.00 | -599,202.00 | -323,703.00 |
| 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 | 3,369.00 | 3,064.00 | 2,186.00 | 163.00 | 1,493.00 | 864.00 | 111.00 | -2,030.00 | 4,911.00 | 1,888.00 | 980.00 | -6,332.00 | 19,730.00 | 3,973.00 | 1,874.00 | 631.00 | 1,842.00 | 748.00 | 774.00 |
| Net Purchase/Sale of Investments Net | 309,950.00 | 201,379.00 | 118,096.00 | -210,709.00 | 204,110.00 | 180,279.00 | 80,386.00 | -348,314.00 | 426,838.00 | 291,854.00 | 130,978.00 | -284,385.00 | 277,782.00 | 247,524.00 | 138,023.00 | -321,549.00 | 607,304.00 | 482,288.00 | 272,294.00 |
| 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 | 395,390.00 | 789,736.00 | 1,113,963.00 | 618,323.00 | 464,685.00 | ||||||||||||||
| Other Investing Activities | -1,792,318.00 | -1,367,052.00 | -733,194.00 | 599,906.00 | -721,898.00 | -611,920.00 | -287,786.00 | 426,304.00 | -1,447,100.00 | -908,916.00 | -141,802.00 | 2,072,278.00 | -2,176,276.00 | -1,653,038.00 | -984,466.00 | 890,798.00 | -1,893,430.00 | -1,396,600.00 | -698,420.00 |
| Financing Cash Flow | 866,320.00 | 514,181.00 | 295,155.00 | -587,206.00 | 238,999.00 | 138,822.00 | 356,758.00 | 192,782.00 | 345,403.00 | 202,247.00 | 1,468.00 | 556,500.00 | -735,501.00 | -283,492.00 | -522,251.00 | -917,336.00 | 1,786,976.00 | 1,455,906.00 | 594,521.00 |
| Net Issuance/Repayment of Debt | 90,000.00 | 90,000.00 | 80,000.00 | -520,000.00 | 290,000.00 | 290,000.00 | 140,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16,622.00 | 0 | 0 | 0 |
| Net Issuance/Repurchase of Equity | 53,267.00 | 50,527.00 | 12,935.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,964.00 | 194.00 | 0 | 0 | 0 | -162,677.00 | 325,364.00 | 0 | 0 |
| Dividends Paid | 1,563.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | 721,490.00 | 373,654.00 | 202,220.00 | -67,206.00 | -51,001.00 | -151,178.00 | 216,758.00 | 196,746.00 | 345,403.00 | 202,247.00 | -2,496.00 | 556,306.00 | -735,501.00 | -283,492.00 | -522,251.00 | -771,281.00 | 1,461,612.00 | 1,455,906.00 | 594,521.00 |
| Net Change in Cash | 185,668.00 | -47,815.00 | -3,805.00 | -358,471.00 | 49,013.00 | -24,803.00 | 264,938.00 | 113,125.00 | -80,051.00 | -55,642.00 | 42,085.00 | 1,488,649.00 | -1,650,572.00 | -1,017,469.00 | -945,392.00 | -591,493.00 | 993,175.00 | 854,960.00 | 270,716.00 |
| Cash at Beginning of Period | 200,268.00 | 200,268.00 | 200,268.00 | 558,739.00 | 269,465.00 | 269,465.00 | 269,465.00 | 156,340.00 | 257,418.00 | 257,418.00 | 257,418.00 | -1,231,231.00 | 2,359,350.00 | 2,359,350.00 | 2,359,350.00 | 2,950,843.00 | 864,305.00 | 864,305.00 | 864,305.00 |
| Cash at End of Period | 385,936.00 | 152,453.00 | 196,463.00 | 200,268.00 | 318,478.00 | 244,662.00 | 534,403.00 | 269,465.00 | 177,367.00 | 201,776.00 | 299,503.00 | 257,418.00 | 708,778.00 | 1,341,881.00 | 1,413,958.00 | 2,359,350.00 | 1,857,480.00 | 1,719,265.00 | 1,135,021.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |