MCBS
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 12.53 | 11.72 | 8.79 | 11.42 | 10.15 |
| Price to Sales | 117.94 | 107.04 | 56.52 | 48.76 | 43.23 |
| Book Value Per Common Share | 16.59 | 15.14 | 13.88 | 11.40 | 9.54 |
| Price to Book | 1.93 | 1.59 | 1.56 | 2.42 | 1.51 |
| Price to Operating Cash Flow | 12.72 | 7.37 | 4.08 | 10.76 | 2.59 |
| Price to Free Cash Flow | 12.98 | 7.85 | 4.15 | 10.82 | 2.60 |
| Enterprise Value to EBITDA | 43860.26 | 36469.71 | 44368.32 | 77890.53 | 58594.75 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 40.72 | 43.30 | 43.08 | 46.39 | 43.03 | 27.13 | 30.89 | 30.16 | |||||
| Price to Sales | 18.62 | 19.18 | 439.01 | 21.02 | 390.00 | 491.09 | 276.89 | 116.25 | |||||
| Book Value Per Common Share | 17.46 | 17.08 | 16.85 | 16.59 | 16.07 | 15.73 | 15.14 | 14.04 | 13.88 | 12.19 | 11.40 | 9.95 | 9.54 |
| Price to Book | 1.59 | 1.67 | 1.64 | 1.93 | 1.90 | 1.59 | 1.59 | 1.22 | 1.56 | 1.93 | 2.42 | 1.55 | 1.51 |
| Price to Operating Cash Flow | 42.91 | 50.33 | 58.80 | -67.50 | 17.30 | 16.83 | 6.33 | 15.63 | |||||
| Price to Free Cash Flow | 43.60 | 50.74 | 59.15 | -65.91 | 17.42 | 17.63 | 6.33 | 15.69 | |||||
| Enterprise Value to EBITDA | 156068.68 | 135416.49 | 102288.63 | 213247.57 | 204770.32 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 24.39 | -16.67 | 2.07 | 69.72 | |
| Revenue YoY | 21.05 | -41.83 | -32.64 | 68.95 | |
| EBITDA YoY | 11.47 | 35.29 | 36.33 | 42.45 | |
| Net Profit YoY | 24.98 | -17.55 | 1.46 | 69.54 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 3.03 | 3.13 | -3.03 | 13.79 | -7.94 | -17.11 | 49.02 | ||||||
| Revenue YoY | 0.16 | 2275.38 | -95.68 | 2189.33 | 84.44 | -59.52 | -36.46 | ||||||
| EBITDA YoY | 10.59 | 49.83 | 45.40 | ||||||||||
| Net Profit YoY | 2.64 | 3.25 | -2.42 | 14.15 | -6.99 | -19.04 | 49.67 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 9.88 | 5.75 | 7.06 | 17.26 | 5.88 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 7.53 | 8.18 | 8.81 | 9.70 | 6.75 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 11.22 | 9.84 | 10.27 | 5.75 | 8.91 | 7.13 | 16.68 | 17.33 | 6.79 | 5.87 | |||
| Quick Ratio | |||||||||||||
| Current Ratio | |||||||||||||
| Debt to Equity | 7.14 | 7.29 | 7.55 | 7.53 | 7.77 | 8.20 | 8.18 | 8.69 | 8.81 | 9.12 | 9.70 | 7.44 | 6.75 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.79 | 1.47 | 1.83 | 1.99 | 1.92 |
| ROE | 15.31 | 13.53 | 17.92 | 21.26 | 14.86 |
| Gross Margin | 92.47 | 99.73 | 71.55 | 52.01 | 59.43 |
| Operating Margin | 2658.89 | 2887.04 | 1221.86 | 603.94 | 705.13 |
| EBITDA Margin | 2702.12 | 2934.54 | 1261.71 | 623.40 | 739.40 |
| Net Profit Margin | 941.94 | 912.37 | 643.72 | 427.38 | 425.91 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.48 | 0.47 | 0.45 | 0.47 | 0.40 | 0.46 | 0.62 | 0.60 | |||||
| ROE | 3.87 | 3.86 | 3.81 | 4.10 | 3.69 | 4.46 | 6.26 | 5.08 | |||||
| Gross Margin | 91.54 | 91.32 | 95.18 | 52.94 | |||||||||
| Operating Margin | 2759.46 | 2835.30 | 4725.63 | 1265.68 | 545.94 | ||||||||
| EBITDA Margin | 2811.59 | 2881.95 | 4806.29 | 1298.61 | 567.48 | ||||||||
| Net Profit Margin | 45.48 | 44.38 | 1021.12 | 45.26 | 907.63 | 1799.77 | 899.91 | 382.02 |
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 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | ||||||||||
| Dividend Payout Ratio | 39.80 | 34.72 | 30.79 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 3,594,045.00 | 3,502,823.00 | 3,427,239.00 | 3,106,158.00 | 1,897,489.00 |
| Deposits | 4,937,320.00 | 4,949,827.00 | 4,721,685.00 | 3,933,596.00 | 2,496,869.00 |
| Cash and Short-Term Investments | 249,875.00 | 144,805.00 | 179,485.00 | 441,341.00 | 150,688.00 |
| Cash and Cash Equivalents | 249,875.00 | 144,805.00 | 179,485.00 | 441,341.00 | 150,688.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 3,155,049.00 | 3,161,385.00 | 13,171.00 | 11,052.00 | 10,671.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 26,126.00 | 26,604.00 | 22,720.00 | 22,406.00 | 24,202.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 81.00 | 69.00 | 44.00 | 111.00 | 159.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 3,172,692.00 | 3,121,306.00 | 3,077,818.00 | 2,815,935.00 | 1,652,658.00 |
| 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 | 421,353.00 | 381,517.00 | 349,421.00 | 290,223.00 | 244,831.00 |
| Shareholders Equity | 421,353.00 | 381,517.00 | 349,421.00 | 290,223.00 | 244,831.00 |
| Capital Stock | 254.00 | 252.00 | 252.00 | 255.00 | 257.00 |
| Share Premium | 49,216.00 | 45,699.00 | 45,298.00 | 51,559.00 | 55,674.00 |
| Retained Earnings | 358,704.00 | 315,356.00 | 285,832.00 | 238,577.00 | 188,705.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 13,179.00 | 20,210.00 | 18,039.00 | -168.00 | 195.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 32,090.00 | 42,116.00 | 58,326.00 | 37,119.00 | 18,117.00 |
| Debt | 7,940.00 | 8,651.00 | 8,885.00 | 9,861.00 | 10,910.00 |
| Common Shares Outstanding | 25,402.78 | 25,205.51 | 25,169.71 | 25,465.24 | 25,674.57 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 6,848.00 | 5,657.00 | 9,725.00 | 14,437.00 | 8,545.00 |
| Cost Of Revenue | 516.00 | 15.00 | 2,767.00 | 6,929.00 | 3,467.00 |
| Interest Income | 212,951.00 | 192,847.00 | 147,263.00 | 108,787.00 | 77,732.00 |
| Interest Expense | 94,767.00 | 91,348.00 | 27,609.00 | 4,572.00 | 11,489.00 |
| Net Interest | 140,228.00 | 106,864.00 | 119,324.00 | 104,149.00 | 66,120.00 |
| Non-Interest Income | 23,063.00 | 18,204.00 | 19,204.00 | 33,803.00 | 27,211.00 |
| Non-Interest Expense | -53,659.00 | -48,021.00 | -50,651.00 | -48,712.00 | -41,479.00 |
| Provisions for Credit Losses | 516.00 | -15.00 | -2,767.00 | 6,929.00 | 3,467.00 |
| Gross Profit | 6,332.00 | 5,642.00 | 6,958.00 | 7,508.00 | 5,078.00 |
| Selling, General and Administrative Expenses | 1,927.00 | 1,843.00 | 1,701.00 | 1,641.00 | 1,644.00 |
| EBT | 87,314.00 | 71,972.00 | 91,217.00 | 82,619.00 | 48,764.00 |
| Income Tax | 22,810.00 | 20,359.00 | 28,522.00 | 20,918.00 | 12,316.00 |
| Net Income | 64,504.00 | 51,613.00 | 62,602.00 | 61,701.00 | 36,394.00 |
| EBIT | 182,081.00 | 163,320.00 | 118,826.00 | 87,191.00 | 60,253.00 |
| Deprecation and Amortization | 2,960.00 | 2,687.00 | 3,875.00 | 2,809.00 | 2,929.00 |
| EBITDA | 185,041.00 | 166,007.00 | 122,701.00 | 90,000.00 | 63,182.00 |
| 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 | 25,283.35 | 25,205.49 | 25,409.65 | 25,572.01 | 25,613.88 |
| Average Shares Outstanding Diluted | 25,582.12 | 25,518.52 | 25,688.70 | 25,788.78 | 25,798.55 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 63,501.00 | 82,099.00 | 134,694.00 | 65,433.00 | 142,558.00 |
| Operating Net Income | 64,504.00 | 51,613.00 | 62,602.00 | 61,701.00 | 36,394.00 |
| Deprecation and Amortization | 2,960.00 | 2,687.00 | 3,875.00 | 2,809.00 | 2,929.00 |
| Deferred Income Tax | 350.00 | 1,010.00 | -2,956.00 | -3,074.00 | -1,950.00 |
| Share Based Compensation | 0 | 0 | 0 | 0 | 0 |
| Change in Working Capital | -3,528.00 | 24,018.00 | -29,237.00 | -8,103.00 | 11,026.00 |
| Other Operating Activities | -785.00 | 2,771.00 | 100,410.00 | 12,100.00 | 94,159.00 |
| Investing Cash Flow | 5,868.00 | -110,265.00 | -651,816.00 | -930,551.00 | -477,864.00 |
| Capital Expenditure | -1,286.00 | -4,931.00 | -2,354.00 | -384.00 | -537.00 |
| Net Purchase/Sale of PPE | -1,286.00 | -4,931.00 | -2,354.00 | -384.00 | -537.00 |
| Net Purchase/Sale of Investments Net | 640.00 | 1,272.00 | 2,886.00 | -8,649.00 | 3,746.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | 7,800.00 | -101,675.00 | -649,994.00 | -921,134.00 | -480,536.00 |
| Financing Cash Flow | 35,701.00 | -6,514.00 | 255,266.00 | 1,155,771.00 | 209,581.00 |
| Net Issuance/Repayment of Debt | 839.00 | 120.00 | 4,214.00 | 314.00 | 643.00 |
| Net Issuance/Repurchase of Equity | 910.00 | 2,020.00 | 8,195.00 | 5,544.00 | 0 |
| Dividends Paid | 21,051.00 | 18,200.00 | 15,290.00 | 11,792.00 | 10,285.00 |
| Other Financing Activities | 12,901.00 | -26,854.00 | 227,567.00 | 1,138,121.00 | 198,653.00 |
| Net Change in Cash | 105,070.00 | -34,680.00 | -261,856.00 | 290,653.00 | -125,725.00 |
| Cash at Beginning of Period | 144,805.00 | 179,485.00 | 441,341.00 | 150,688.00 | 276,413.00 |
| Cash at End of Period | 249,875.00 | 144,805.00 | 179,485.00 | 441,341.00 | 150,688.00 |
| Free Cash Flow | 62,215.00 | 77,168.00 | 132,340.00 | 65,049.00 | 142,021.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 3,629,463.00 | 3,615,688.00 | 3,659,725.00 | 3,594,045.00 | 3,569,206.00 | 3,647,219.00 | 3,502,823.00 | 3,419,013.00 | 3,427,239.00 | 3,142,317.00 | 3,106,158.00 | 2,154,360.00 | 1,897,489.00 |
| Deposits | 0 | 0 | 4,934,085.00 | 4,937,320.00 | 0 | 5,080,956.00 | 4,949,827.00 | 4,710,904.00 | 4,721,685.00 | 4,148,632.00 | 3,933,596.00 | 2,945,676.00 | 2,496,869.00 |
| Cash and Short-Term Investments | 0 | 0 | 285,055.00 | 249,875.00 | 0 | 258,836.00 | 144,805.00 | 224,064.00 | 179,485.00 | 424,731.00 | 441,341.00 | 174,219.00 | 150,688.00 |
| Cash and Cash Equivalents | 213,941.00 | 273,596.00 | 285,055.00 | 249,875.00 | 278,752.00 | 258,836.00 | 144,805.00 | 224,064.00 | 179,485.00 | 424,731.00 | 441,341.00 | 174,219.00 | 150,688.00 |
| Short-Term Investments | 2,465.00 | 2,530.00 | 0 | 0 | 18,206.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 16,912.00 | 16,528.00 | 3,164,973.00 | 3,155,049.00 | 15,667.00 | 3,186,185.00 | 3,161,385.00 | 13,642.00 | 13,171.00 | 48,572.00 | 11,052.00 | 10,515.00 | 10,671.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 25,548.00 | 26,069.00 | 25,951.00 | 26,126.00 | 25,329.00 | 26,111.00 | 26,604.00 | 23,195.00 | 22,720.00 | 21,739.00 | 22,406.00 | 24,146.00 | 24,202.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 1,662.00 | 1,676.00 | 0 | 0 | 1,296.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 21,070.00 | 21,011.00 | 0 | 0 | 28,774.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 81.00 | 0 | 0 | 69.00 | 0 | 44.00 | 0 | 111.00 | 0 | 159.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 3,183,575.00 | 3,179,588.00 | 3,231,756.00 | 3,172,692.00 | 3,162,021.00 | 3,250,615.00 | 3,121,306.00 | 3,066,052.00 | 3,077,818.00 | 2,831,907.00 | 2,815,935.00 | 1,898,985.00 | 1,652,658.00 |
| Payables and Expenses | 3,567.00 | 3,438.00 | 0 | 0 | 3,593.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 3,567.00 | 3,438.00 | 0 | 0 | 3,593.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 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 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 432,704.00 | 433,222.00 | 0 | 0 | 382,295.00 | 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 |
| Equity | 445,888.00 | 436,100.00 | 427,969.00 | 421,353.00 | 407,185.00 | 396,604.00 | 381,517.00 | 352,961.00 | 349,421.00 | 310,410.00 | 290,223.00 | 255,375.00 | 244,831.00 |
| Shareholders Equity | 445,888.00 | 436,100.00 | 427,969.00 | 421,353.00 | 407,185.00 | 396,604.00 | 381,517.00 | 352,961.00 | 349,421.00 | 310,410.00 | 290,223.00 | 255,375.00 | 244,831.00 |
| Capital Stock | 255.00 | 255.00 | 254.00 | 254.00 | 253.00 | 252.00 | 252.00 | 251.00 | 252.00 | 255.00 | 255.00 | 257.00 | 257.00 |
| Share Premium | 51,151.00 | 50,212.00 | 49,645.00 | 49,216.00 | 47,481.00 | 46,105.00 | 45,699.00 | 45,044.00 | 45,298.00 | 51,753.00 | 51,559.00 | 55,977.00 | 55,674.00 |
| Retained Earnings | 390,971.00 | 380,046.00 | 369,110.00 | 358,704.00 | 348,343.00 | 324,900.00 | 315,356.00 | 293,139.00 | 285,832.00 | 254,165.00 | 238,577.00 | 199,102.00 | 188,705.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 3,511.00 | 5,587.00 | 8,960.00 | 13,179.00 | 11,108.00 | 25,347.00 | 20,210.00 | 14,527.00 | 18,039.00 | 4,237.00 | -168.00 | 39.00 | 195.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 35,606.00 | 32,090.00 | 0 | 48,970.00 | 42,116.00 | 34,436.00 | 58,326.00 | 34,910.00 | 37,119.00 | 18,739.00 | 18,117.00 |
| Debt | 432,704.00 | 433,222.00 | 7,962.00 | 7,940.00 | 382,295.00 | 8,189.00 | 8,651.00 | 8,438.00 | 8,885.00 | 9,445.00 | 9,861.00 | 11,048.00 | 10,910.00 |
| Net Debt | 211,059.00 | 151,404.00 | 0 | 0 | 96,248.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 25,537.75 | 25,537.75 | 25,402.78 | 25,402.78 | 25,331.92 | 25,205.51 | 25,205.51 | 25,143.67 | 25,169.71 | 25,465.24 | 25,465.24 | 25,674.57 | 25,674.57 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|
| Revenues | 37,970.00 | 37,911.00 | 1,596.00 | 36,904.00 | 1,612.00 | 874.00 | 2,159.00 | 3,398.00 |
| Cost Of Revenue | 0 | 0 | 135.00 | 0 | 140.00 | 0 | 104.00 | 1,599.00 |
| Interest Income | 54,003.00 | 54,049.00 | 52,519.00 | 53,833.00 | 52,358.00 | 45,965.00 | 31,953.00 | 22,672.00 |
| Interest Expense | 22,211.00 | 21,871.00 | 21,965.00 | 23,544.00 | 25,273.00 | 19,732.00 | 1,300.00 | 1,138.00 |
| Net Interest | 0 | 0 | 34,818.00 | 0 | 31,150.00 | 26,399.00 | 30,622.00 | 21,534.00 |
| Non-Interest Income | 0 | 0 | 5,456.00 | 0 | 5,568.00 | 6,016.00 | 7,656.00 | 8,186.00 |
| Non-Interest Expense | 14,674.00 | 14,113.00 | -13,799.00 | 13,660.00 | -12,361.00 | -10,679.00 | -12,179.00 | -10,708.00 |
| Provisions for Credit Losses | 0 | 0 | 135.00 | 0 | -140.00 | 0 | 104.00 | 1,599.00 |
| Gross Profit | 0 | 0 | 1,461.00 | 0 | 1,472.00 | 0 | 2,055.00 | 1,799.00 |
| Selling, General and Administrative Expenses | 9,114.00 | 8,703.00 | 512.00 | 8,657.00 | 466.00 | 421.00 | 427.00 | 453.00 |
| EBT | 23,839.00 | 23,669.00 | 22,076.00 | 22,662.00 | 20,432.00 | 21,570.00 | 26,026.00 | 17,413.00 |
| Income Tax | 6,569.00 | 6,843.00 | 5,779.00 | 5,961.00 | 5,801.00 | 5,840.00 | 6,597.00 | 4,432.00 |
| Net Income Including Non-Controlling Interests | 17,270.00 | 16,826.00 | 0 | 16,701.00 | 0 | 0 | 0 | 0 |
| Net Income | 17,270.00 | 16,826.00 | 16,297.00 | 16,701.00 | 14,631.00 | 15,730.00 | 19,429.00 | 12,981.00 |
| EBIT | 0 | 0 | 44,041.00 | 0 | 45,705.00 | 41,302.00 | 27,326.00 | 18,551.00 |
| Deprecation and Amortization | 970.00 | 850.00 | 832.00 | 726.00 | 752.00 | 705.00 | 711.00 | 732.00 |
| EBITDA | 0 | 0 | 44,873.00 | 0 | 46,457.00 | 42,007.00 | 28,037.00 | 19,283.00 |
| EPS | 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 |
| Average Shares Outstanding Basic | 25,537.75 | 25,445.02 | 25,402.78 | 25,331.92 | 25,205.51 | 25,144.68 | 25,465.24 | 25,674.57 |
| Average Shares Outstanding Diluted | 25,811.42 | 25,715.21 | 25,707.99 | 25,674.86 | 25,548.09 | 25,405.85 | 25,719.03 | 25,881.83 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 16,479.00 | 14,451.00 | 11,911.00 | -11,490.00 | 36,359.00 | 25,533.00 | 94,416.00 | 25,263.00 |
| Operating Net Income | 17,270.00 | 16,826.00 | 16,297.00 | 16,702.00 | 14,631.00 | 15,730.00 | 19,429.00 | 12,981.00 |
| Deprecation and Amortization | 970.00 | 850.00 | 832.00 | 726.00 | 752.00 | 705.00 | 711.00 | 732.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 939.00 | 599.00 | 0 | 837.00 | 0 | 0 | 0 | 0 |
| Change in Working Capital | -1,933.00 | -5,442.00 | -5,969.00 | -25,161.00 | 21,430.00 | 9,848.00 | 16,516.00 | 9,498.00 |
| Other Operating Activities | -767.00 | 1,618.00 | 751.00 | -4,594.00 | -454.00 | -750.00 | 57,760.00 | 2,052.00 |
| Investing Cash Flow | -72,049.00 | 39,915.00 | -20,004.00 | 2,728.00 | -25,209.00 | 46,875.00 | -106,272.00 | -235,192.00 |
| Capital Expenditure | 0 | 0 | -70.00 | 0 | -243.00 | -1,162.00 | -26.00 | -99.00 |
| Net Purchase/Sale of PPE | -261.00 | -118.00 | -70.00 | -280.00 | -243.00 | -1,162.00 | -26.00 | -99.00 |
| Net Purchase/Sale of Investments Net | 110.00 | 115.00 | -6,009.00 | 137.00 | 134.00 | 421.00 | 345.00 | 185.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | -71,898.00 | 39,918.00 | -13,855.00 | 2,871.00 | -24,857.00 | 48,778.00 | -106,565.00 | -235,179.00 |
| Financing Cash Flow | -3,283.00 | -53,410.00 | 43,273.00 | -27,883.00 | 102,881.00 | -27,829.00 | -4,754.00 | 233,460.00 |
| Net Issuance/Repayment of Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 0 | 553.00 | 0 | 0 |
| Dividends Paid | -6,874.00 | -5,842.00 | 5,843.00 | -5,143.00 | 5,041.00 | 4,526.00 | 3,821.00 | 2,567.00 |
| Other Financing Activities | 3,591.00 | 0 | 37,430.00 | -22,740.00 | 97,840.00 | -32,908.00 | -8,575.00 | 230,893.00 |
| Net Change in Cash | -58,853.00 | 956.00 | 35,180.00 | -36,645.00 | 114,031.00 | 44,579.00 | -16,610.00 | 23,531.00 |
| Cash at Beginning of Period | 286,011.00 | 285,055.00 | 249,875.00 | 327,859.00 | 144,805.00 | 179,485.00 | 441,341.00 | 150,688.00 |
| Cash at End of Period | 227,158.00 | 286,011.00 | 285,055.00 | 291,214.00 | 258,836.00 | 224,064.00 | 424,731.00 | 174,219.00 |
| Free Cash Flow | 16,218.00 | 14,333.00 | 11,841.00 | -11,770.00 | 36,116.00 | 24,371.00 | 94,390.00 | 25,164.00 |