MPB

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 9.94 10.60 8.71 11.71
Price to Sales 104.91 78.32 94.04 33.25
Book Value Per Common Share 100.65 97.17 95.50 92.13 91.11
Price to Book 0.29 0.25 0.31 0.34
Price to Operating Cash Flow 9.95 9.52 9.51 5.44
Price to Free Cash Flow
Enterprise Value to EBITDA 28367.52 28620.64 52549.79 63413.07
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 16.55 31.33 36.49 13.68 15.24 27.41 12.90 22.08 36.07 11.73 18.22 37.76 9.67 13.59 24.15
Price to Sales 157.19 226.69 439.90 142.80 160.92 292.97 87.48 145.36 329.18 114.78 190.60 404.98 37.54 54.28 94.84
Book Value Per Common Share 68.74 67.19 68.26 100.65 68.17 66.48 65.50 97.17 62.49 62.41 63.20 95.50 31.39 31.18 30.96 92.13 30.55 29.94 31.37 91.11
Price to Book 0.42 0.42 0.38 0.29 0.44 0.33 0.31 0.25 0.32 0.35 0.41 0.31 0.92 0.86 0.87 0.34 0.90 0.92 0.85
Price to Operating Cash Flow 9.15 14.25 43.50 10.46 11.95 26.72 8.98 14.86 31.42 11.00 22.12 64.08 7.57 10.12 17.00
Price to Free Cash Flow
Enterprise Value to EBITDA 45486.52 75236.08 105123.30 33806.49 37737.48 68957.13 35042.97 65002.29 137600.13 74195.36 114377.23 232900.00 64232.25 96353.95 140791.00

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 26.64 -33.43 26.94 -12.86
Revenue YoY -7.49 -0.24 -50.83 6.53
EBITDA YoY 39.94 55.20 13.48 38.85
Net Profit YoY 32.20 -31.76 86.93 11.87
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
Earning YoY 92.22 26.76 51.39 97.26 56.00 40.85 65.54 108.45 41.09 81.98
Revenue YoY 52.63 123.33 53.25 99.74 53.11 97.41 76.61 113.53 60.57 119.42
EBITDA YoY 68.90 79.97 52.06 100.62 69.24 90.29 64.22 104.08 50.86 102.77
Net Profit YoY 98.88 34.65 51.46 97.02 57.50 43.07 65.58 107.91 51.71 103.23

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 13.18 12.48 7.77 173.41 73.85
Quick Ratio
Current Ratio
Debt to Equity 0.71 4.19 3.68 3.96 4.93
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 12.06 16.46 5.54 11.59 8.71 6.38 4.11 12.28 7.28 5.85 3.91 7.78 5.95 14.93 47.62 117.42 66.22 61.80 50.96 74.03
Quick Ratio
Current Ratio
Debt to Equity 6.87 7.19 7.30 0.71 8.64 8.63 8.67 4.19 8.87 8.68 7.97 3.68 7.68 7.69 8.44 3.96 8.89 9.14 11.81 4.93
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.42 0.64 1.08 0.56 0.79
ROE 0.72 3.30 5.06 2.76 4.71
Gross Margin 67.61 34.87 15.20
Operating Margin 4058.63 2649.93 1678.45 746.40 567.04
EBITDA Margin 4204.62 2779.46 1786.69 774.13 593.92
Net Profit Margin 1056.35 739.22 1080.77 284.26 270.70
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 0.59 0.29 0.25 0.66 0.44 0.23 0.49 0.32 0.24 0.90 0.55 0.24 0.83 0.55 0.28
ROE 4.62 2.39 2.06 6.32 4.27 2.20 4.79 3.05 2.20 7.83 4.76 2.30 8.22 5.54 3.53
Gross Margin 45.03 -0.94 73.60 65.86 70.50 17.23 17.72 32.50 60.36 5.29
Operating Margin 3593.34 3226.08 4038.60 4090.30 4121.41 4102.92 2423.74 2176.39 2264.64 1446.34 1548.38 1621.29 559.56 595.73 644.05
EBITDA Margin 3732.86 3373.41 4186.14 4232.41 4265.59 4246.82 2549.41 2306.48 2392.80 1544.58 1661.05 1737.94 584.93 622.61 673.73
Net Profit Margin 947.01 726.79 1205.44 1044.88 1057.23 1071.82 677.17 658.32 908.33 980.61 1045.90 1074.17 342.54 362.55 391.43

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 11,643,980.00 5,881,079.00 5,068,229.00 5,260,715.00 3,300,008.00
   Deposits 10,990,859.00 10,150,874.00 8,215,207.00 8,630,689.00 5,366,405.00
      Cash and Short-Term Investments 224,337.00 203,590.00 123,611.00 1,873,829.00 623,240.00
            Cash and Cash Equivalents 224,337.00 203,590.00 123,611.00 1,872,329.00 621,695.00
            Short-Term Investments 0 0 0 1,500.00 1,545.00
      Net Receivables 26,846.00 25,820.00 18,405.00 11,328.00 12,971.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 46,505.00 45,862.00 43,269.00 42,287.00 35,043.00
      Real Estate 44.00 293.00 43.00 0 134.00
      Goodwill 128,160.00 124,631.00 114,231.00 113,835.00 62,840.00
      Intangible Assets 6,242.00 6,479.00 7,260.00 9,436.00 4,360.00
      Long-Term Investments 0 0 0 0 146.00
      Non-Current Deferred Assets 22,747.00 24,146.00 13,674.00 10,779.00 3,619.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 4,815,918.00 4,748,442.00 3,985,855.00 4,199,349.00 2,743,260.00
      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 2,000.00 483,032.00 205,247.00 0 376,851.00
      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 6,828,062.00 1,132,637.00 1,082,374.00 1,061,366.00 556,748.00
   Shareholders Equity 1,948,229.00 1,610,413.00 1,517,081.00 1,470,228.00 767,064.00
      Capital Stock 19,797.00 16,999.00 16,094.00 16,056.00 8,512.00
      Share Premium 480,491.00 405,725.00 386,987.00 384,742.00 178,853.00
      Retained Earnings 181,597.00 145,982.00 133,114.00 91,043.00 70,175.00
      Treasury Shares 10,042.00 9,719.00 4,880.00 1,923.00 1,795.00
      Accumulated Other Comprehensive Income -16,825.00 -16,637.00 -19,216.00 158.00 -57.00
   Minority Interest 0 0 0 0 0
Investments 428.00 438.00 430.00 974,324.00 258,129.00
Debt 60,283.00 541,121.00 214,972.00 11,363.00 477,211.00
Net Debt 0 337,531.00 91,361.00 0 0
Common Shares Outstanding 19,355.80 16,573.71 15,886.14 15,957.83 8,419.18
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 4,680.00 5,059.00 5,071.00 10,314.00 9,682.00
Cost Of Revenue 1,516.00 3,295.00 4,300.00 0 0
Interest Income 286,583.00 236,339.00 165,600.00 128,590.00 113,440.00
Interest Expense 129,912.00 89,366.00 17,767.00 14,754.00 19,727.00
Net Interest 156,671.00 146,973.00 147,833.00 108,568.00 88,208.00
Non-Interest Income 22,493.00 20,008.00 23,657.00 54,171.00 17,908.00
Non-Interest Expense 117,616.00 118,992.00 99,843.00 214,580.00 70,577.00
Provisions for Credit Losses 2,144.00 3,295.00 4,300.00 0 0
Gross Profit 3,164.00 1,764.00 771.00 0 0
   Selling, General and Administrative Expenses 21,177.00 18,221.00 17,185.00 13,838.00 14,120.00
EBT 60,032.00 44,694.00 67,347.00 62,230.00 35,174.00
Income Tax 19,641.00 4,365.00 11,839.00 3,592.00 4,372.00
Net Income 49,437.00 37,397.00 54,806.00 29,319.00 26,209.00
EBIT 189,944.00 134,060.00 85,114.00 76,984.00 54,901.00
Deprecation and Amortization 6,832.00 6,553.00 5,489.00 2,860.00 2,602.00
EBITDA 196,776.00 140,613.00 90,603.00 79,844.00 57,503.00
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 17,026.24 16,319.01 15,912.88 10,806.01 8,439.43
Average Shares Outstanding Diluted 17,070.86 16,350.96 15,934.64 10,819.58 8,443.09
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 49,351.00 41,608.00 50,132.00 63,053.00 19,244.00
   Operating Net Income 49,437.00 37,397.00 54,806.00 29,319.00 26,209.00
   Deprecation and Amortization 6,832.00 6,553.00 5,489.00 2,860.00 2,602.00
   Deferred Income Tax 1,516.00 -1,551.00 2,262.00 484.00 -1,367.00
   Share Based Compensation 1,047.00 1,103.00 1,142.00 696.00 414.00
   Change in Working Capital 4,595.00 -4,545.00 427,536.00 -106,214.00 633,098.00
   Other Operating Activities -14,076.00 2,651.00 -441,103.00 135,908.00 -641,712.00
Investing Cash Flow -195,932.00 -362,602.00 -706,498.00 141,226.00 -599,412.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 7,079.00 2,770.00 4,469.00 3,559.00 3,750.00
   Net Purchase/Sale of Investments Net 122,824.00 28,852.00 329,156.00 359,629.00 216,150.00
   Net Purchase/Sale of Business 0 0 0 315,287.00 0
   Other Investing Activities -325,835.00 -394,224.00 -1,040,123.00 -537,249.00 -819,312.00
Financing Cash Flow 193,527.00 365,091.00 -239,481.00 436,327.00 758,683.00
   Net Issuance/Repayment of Debt -204,132.00 194,427.00 179,508.00 -125,272.00 223,405.00
   Net Issuance/Repurchase of Equity 153,680.00 10,716.00 6,642.00 141,039.00 4,196.00
   Dividends Paid 13,822.00 12,981.00 12,735.00 8,872.00 6,504.00
   Other Financing Activities 230,157.00 146,967.00 -438,366.00 411,688.00 524,578.00
Net Change in Cash 46,946.00 44,097.00 -895,847.00 640,606.00 178,515.00
   Cash at Beginning of Period 23,618.00 52,666.00 956,728.00 273,146.00 125,209.00
   Cash at End of Period 70,564.00 96,763.00 60,881.00 913,752.00 303,724.00
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 6,267,349.00 6,354,543.00 5,546,026.00 11,643,980.00 5,527,025.00 5,391,749.00 5,330,379.00 5,881,079.00 5,215,963.00 5,088,813.00 4,583,465.00 5,068,229.00 4,333,903.00 4,310,163.00 4,667,174.00 5,260,715.00 3,453,187.00 3,461,792.00 3,382,038.00 3,300,008.00
   Deposits 12,333,704.00 12,719,181.00 11,033,085.00 10,990,859.00 11,039,529.00 10,530,071.00 10,246,608.00 10,150,874.00 4,381,616.00 4,286,686.00 3,878,081.00 8,215,207.00 3,729,596.00 3,702,587.00 3,989,037.00 8,630,689.00 2,961,881.00 2,782,124.00 2,666,827.00 5,366,405.00
      Cash and Short-Term Investments 257,169.00 336,852.00 107,254.00 224,337.00 144,395.00 105,726.00 68,085.00 203,590.00 118,099.00 93,875.00 62,171.00 123,611.00 94,678.00 238,148.00 759,853.00 1,873,829.00 756,457.00 637,871.00 428,895.00 623,240.00
            Cash and Cash Equivalents 257,169.00 336,852.00 107,254.00 224,337.00 144,395.00 105,726.00 68,085.00 203,590.00 118,099.00 93,875.00 62,171.00 123,611.00 94,678.00 236,786.00 758,431.00 1,872,329.00 754,942.00 636,347.00 427,371.00 621,695.00
            Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 1,362.00 1,422.00 1,500.00 1,515.00 1,524.00 1,524.00 1,545.00
      Net Receivables 29,705.00 28,546.00 27,263.00 26,846.00 27,286.00 27,381.00 26,975.00 25,820.00 24,230.00 19,626.00 19,205.00 18,405.00 15,861.00 12,902.00 11,584.00 11,328.00 10,008.00 10,638.00 11,855.00 12,971.00
      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 64,191.00 62,758.00 49,730.00 46,505.00 41,155.00 42,269.00 44,482.00 45,862.00 47,542.00 48,336.00 42,605.00 43,269.00 42,206.00 42,058.00 42,363.00 42,287.00 35,504.00 35,122.00 35,501.00 35,043.00
      Real Estate 9,346.00 9,816.00 1,402.00 44.00 281.00 441.00 5,110.00 293.00 905.00 489.00 248.00 43.00 49.00 69.00 125.00 0 11.00 11.00 154.00 134.00
      Goodwill 136,620.00 135,473.00 128,160.00 128,160.00 128,160.00 127,031.00 127,031.00 124,631.00 129,752.00 129,403.00 114,231.00 114,231.00 164,902.00 113,835.00 113,835.00 113,835.00 62,840.00 62,840.00 62,840.00 62,840.00
      Intangible Assets 15,586.00 16,531.00 5,814.00 6,242.00 6,713.00 5,626.00 6,051.00 6,479.00 6,970.00 7,453.00 6,916.00 7,260.00 7,215.00 7,729.00 8,250.00 9,436.00 3,537.00 3,804.00 4,079.00 4,360.00
      Long-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 80.00 91.00 0 113.00 124.00 135.00 146.00
      Non-Current Deferred Assets 27,475.00 35,333.00 21,800.00 22,747.00 23,197.00 24,520.00 22,894.00 24,146.00 25,509.00 24,309.00 15,548.00 13,674.00 16,093.00 13,780.00 11,974.00 10,779.00 4,133.00 5,465.00 5,427.00 3,619.00
      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 5,471,026.00 5,578,835.00 4,878,093.00 4,815,918.00 4,953,966.00 4,832,063.00 4,779,411.00 4,748,442.00 4,687,252.00 4,562,925.00 4,072,672.00 3,985,855.00 3,834,798.00 3,814,328.00 4,173,013.00 4,199,349.00 3,103,879.00 3,120,223.00 3,118,002.00 2,743,260.00
      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 25,000.00 2,000.00 114,097.00 200,000.00 271,849.00 483,032.00 139,000.00 112,442.00 88,000.00 205,247.00 0 0 0 0 0 196,889.00 307,753.00 376,851.00
      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 796,323.00 775,708.00 667,933.00 6,828,062.00 573,059.00 559,686.00 550,968.00 1,132,637.00 528,711.00 525,888.00 510,793.00 1,082,374.00 499,105.00 495,835.00 494,161.00 1,061,366.00 349,308.00 341,569.00 264,036.00 556,748.00
   Shareholders Equity 1,583,739.00 1,539,660.00 1,321,703.00 1,948,229.00 1,133,002.00 1,102,249.00 1,084,989.00 1,610,413.00 1,036,060.00 1,033,971.00 1,004,212.00 1,517,081.00 499,105.00 495,835.00 494,161.00 1,470,228.00 349,308.00 341,569.00 264,036.00 767,064.00
      Capital Stock 23,551.00 23,419.00 19,803.00 19,797.00 17,061.00 17,051.00 17,006.00 16,999.00 16,993.00 16,980.00 16,098.00 16,094.00 16,091.00 16,081.00 16,059.00 16,056.00 11,532.00 11,507.00 8,515.00 8,512.00
      Share Premium 588,405.00 584,291.00 480,866.00 480,491.00 406,922.00 406,544.00 406,150.00 405,725.00 405,341.00 404,902.00 387,332.00 386,987.00 386,452.00 386,128.00 385,765.00 384,742.00 246,830.00 246,546.00 179,055.00 178,853.00
      Retained Earnings 205,320.00 191,574.00 191,469.00 181,597.00 172,234.00 163,256.00 154,801.00 145,982.00 137,199.00 131,271.00 129,617.00 133,114.00 120,572.00 108,265.00 99,206.00 91,043.00 92,722.00 85,220.00 77,888.00 70,175.00
      Treasury Shares 12,046.00 11,820.00 10,042.00 10,042.00 10,042.00 10,042.00 10,042.00 9,719.00 9,460.00 9,460.00 4,880.00 4,880.00 4,880.00 4,880.00 1,923.00 1,923.00 1,923.00 1,923.00 1,923.00 1,795.00
      Accumulated Other Comprehensive Income -8,907.00 -11,756.00 -14,163.00 -16,825.00 -13,116.00 -17,123.00 -16,947.00 -16,637.00 -21,362.00 -17,805.00 -17,374.00 -19,216.00 -38,260.00 -9,759.00 -4,946.00 158.00 147.00 219.00 501.00 -57.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 442.00 437.00 436.00 428.00 446.00 427.00 431.00 438.00 413.00 433.00 438.00 430.00 428.00 1,926,942.00 1,460,233.00 974,324.00 307,097.00 307,588.00 262,644.00 258,129.00
Debt 53,122.00 53,395.00 82,802.00 60,283.00 170,219.00 256,841.00 329,183.00 541,121.00 197,048.00 171,434.00 154,064.00 214,972.00 10,261.00 10,324.00 10,923.00 11,363.00 55,549.00 449,758.00 671,920.00 477,211.00
Net Debt 0 0 0 0 25,824.00 151,115.00 261,098.00 337,531.00 78,949.00 77,559.00 91,893.00 91,361.00 0 0 0 0 0 0 243,025.00 0
Common Shares Outstanding 23,039.22 22,915.19 19,362.09 19,355.80 16,620.17 16,580.60 16,565.64 16,573.71 16,580.35 16,567.58 15,890.01 15,886.14 15,900.00 15,900.00 15,960.92 15,957.83 11,433.55 11,408.71 8,416.09 8,419.18
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 3,886.00 2,546.00 1,140.00 -2,178.00 3,465.00 2,261.00 1,132.00 -2,353.00 3,736.00 2,440.00 1,236.00 -2,229.00 3,986.00 2,257.00 1,057.00 -5,667.00 8,382.00 5,220.00 2,379.00
Cost Of Revenue 2,136.00 2,570.00 301.00 -1,271.00 1,183.00 667.00 937.00 -1,916.00 3,074.00 1,647.00 490.00 525.00 3,775.00 0 0 0 0 0 0
Interest Income 238,630.00 151,764.00 71,744.00 -134,309.00 213,271.00 139,430.00 68,191.00 -90,914.00 170,222.00 106,805.00 50,226.00 -86,575.00 129,563.00 82,274.00 40,338.00 -57,577.00 93,899.00 62,041.00 30,227.00
Interest Expense 94,286.00 61,049.00 29,235.00 -63,911.00 97,880.00 64,208.00 31,735.00 -19,372.00 60,249.00 34,312.00 14,177.00 -1,058.00 9,602.00 6,005.00 3,218.00 -8,225.00 11,441.00 7,695.00 3,843.00
Net Interest 144,344.00 90,715.00 42,509.00 -70,398.00 115,391.00 75,222.00 36,456.00 -71,542.00 109,973.00 72,493.00 36,049.00 -65,684.00 109,256.00 69,847.00 34,414.00 -48,155.00 79,196.00 52,202.00 25,325.00
Non-Interest Income 19,565.00 11,382.00 5,239.00 -10,854.00 16,344.00 11,166.00 5,837.00 -8,753.00 14,891.00 9,545.00 4,325.00 -10,016.00 16,943.00 10,980.00 5,750.00 23,222.00 15,873.00 10,364.00 4,712.00
Non-Interest Expense 116,422.00 78,440.00 30,642.00 -54,351.00 86,703.00 56,744.00 28,520.00 -60,165.00 91,488.00 61,599.00 26,070.00 -49,937.00 74,375.00 49,660.00 25,745.00 102,975.00 57,033.00 37,014.00 17,558.00
Provisions for Credit Losses 4,515.00 5,136.00 622.00 -1,716.00 2,967.00 1,830.00 -937.00 -1,916.00 3,074.00 1,647.00 490.00 525.00 3,775.00 0 0 0 0 0 0
Gross Profit 1,750.00 -24.00 839.00 -907.00 2,282.00 1,594.00 195.00 -437.00 662.00 793.00 746.00 560.00 211.00 0 0 0 0 0 0
   Selling, General and Administrative Expenses 19,326.00 12,304.00 5,674.00 -9,433.00 15,652.00 9,858.00 5,100.00 -9,255.00 13,790.00 9,054.00 4,632.00 -8,753.00 12,680.00 8,714.00 4,544.00 -9,991.00 12,096.00 7,811.00 3,922.00
EBT 45,351.00 21,087.00 16,805.00 -27,504.00 43,849.00 28,977.00 14,710.00 -18,214.00 30,302.00 18,792.00 13,814.00 -23,563.00 48,049.00 28,942.00 13,919.00 -8,112.00 35,461.00 23,402.00 11,479.00
Income Tax 8,550.00 2,583.00 3,063.00 4,347.00 7,644.00 5,073.00 2,577.00 -5,954.00 5,003.00 2,729.00 2,587.00 -5,024.00 8,962.00 5,336.00 2,565.00 -9,801.00 6,749.00 4,477.00 2,167.00
Net Income 36,801.00 18,504.00 13,742.00 -22,805.00 36,205.00 23,904.00 12,133.00 -15,192.00 25,299.00 16,063.00 11,227.00 -19,241.00 39,087.00 23,606.00 11,354.00 -27,630.00 28,712.00 18,925.00 9,312.00
EBIT 139,637.00 82,136.00 46,040.00 -91,415.00 141,729.00 93,185.00 46,445.00 -37,586.00 90,551.00 53,104.00 27,991.00 -24,621.00 57,651.00 34,947.00 17,137.00 -16,337.00 46,902.00 31,097.00 15,322.00
Deprecation and Amortization 5,422.00 3,751.00 1,682.00 -2,981.00 4,924.00 3,260.00 1,629.00 -2,900.00 4,695.00 3,174.00 1,584.00 -2,203.00 3,916.00 2,543.00 1,233.00 -1,376.00 2,127.00 1,403.00 706.00
EBITDA 145,059.00 85,887.00 47,722.00 -94,396.00 146,653.00 96,445.00 48,074.00 -40,486.00 95,246.00 56,278.00 29,575.00 -26,824.00 61,567.00 37,490.00 18,370.00 -17,713.00 49,029.00 32,500.00 16,028.00
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 21,322.70 20,467.35 19,355.87 18,379.24 16,585.72 16,572.10 16,567.90 17,096.04 16,233.01 16,060.79 15,886.19 15,824.24 15,922.94 15,946.46 15,957.86 13,063.12 11,423.49 10,321.84 8,415.59
Average Shares Outstanding Diluted 21,587.72 20,768.83 19,416.26 18,435.65 16,625.56 16,608.86 16,613.37 17,111.74 16,264.72 16,096.27 15,931.12 15,843.91 15,945.27 15,971.42 15,977.94 13,078.26 11,432.09 10,337.78 8,430.18
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 66,777.00 40,502.00 11,529.00 -40,792.00 47,292.00 30,442.00 12,409.00 -31,616.00 36,404.00 23,871.00 12,949.00 -17,590.00 41,604.00 19,441.00 6,677.00 -19,770.00 41,556.00 27,997.00 13,270.00
   Operating Net Income 36,801.00 18,504.00 13,742.00 -22,805.00 36,205.00 23,904.00 12,133.00 -15,192.00 25,299.00 16,063.00 11,227.00 -19,241.00 39,087.00 23,606.00 11,354.00 -27,630.00 28,712.00 18,925.00 9,312.00
   Deprecation and Amortization 5,422.00 3,751.00 1,682.00 -2,981.00 4,924.00 3,260.00 1,629.00 -2,900.00 4,695.00 3,174.00 1,584.00 -2,203.00 3,916.00 2,543.00 1,233.00 -1,376.00 2,127.00 1,403.00 706.00
   Deferred Income Tax 7,378.00 1,451.00 206.00 212.00 80.00 -178.00 1,402.00 392.00 -1,501.00 -1,148.00 706.00 2,170.00 -23.00 -206.00 321.00 3,627.00 -295.00 -1,597.00 -1,251.00
   Share Based Compensation 1,458.00 544.00 218.00 -652.00 825.00 590.00 284.00 -458.00 812.00 500.00 249.00 -181.00 696.00 459.00 168.00 -273.00 532.00 305.00 132.00
   Change in Working Capital -8,513.00 -2,847.00 -4,567.00 -17,839.00 4,976.00 11,020.00 6,438.00 -9,399.00 7,607.00 1,439.00 -4,192.00 119,483.00 216,985.00 73,854.00 17,214.00 -452,840.00 -16,224.00 104,451.00 258,399.00
   Other Operating Activities 24,231.00 19,099.00 248.00 3,273.00 282.00 -8,154.00 -9,477.00 -4,059.00 -508.00 3,843.00 3,375.00 -117,618.00 -219,057.00 -80,815.00 -23,613.00 458,722.00 26,704.00 -95,490.00 -254,028.00
Investing Cash Flow 105,348.00 102,802.00 -36,293.00 146,360.00 -187,648.00 -88,898.00 -65,746.00 237,436.00 -306,542.00 -199,903.00 -93,593.00 237,893.00 -492,523.00 -311,911.00 -139,957.00 558,599.00 -15,535.00 -139,986.00 -261,852.00
   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 6,549.00 4,603.00 2,785.00 4,413.00 816.00 1,467.00 383.00 -2,845.00 2,766.00 1,896.00 953.00 -5,296.00 5,646.00 2,676.00 1,443.00 -1,848.00 3,211.00 1,544.00 652.00
   Net Purchase/Sale of Investments Net 251,967.00 193,624.00 13,874.00 15,870.00 82,362.00 18,806.00 5,786.00 -14,826.00 22,678.00 14,646.00 6,354.00 -399,252.00 321,949.00 268,825.00 137,634.00 149,224.00 107,486.00 73,075.00 29,844.00
   Net Purchase/Sale of Business -218,113.00 218,112.00 0 0 0 0 0 0 0 0 0 0 0 0 0 315,287.00 0 0 0
   Other Investing Activities 64,945.00 -313,537.00 -52,952.00 126,077.00 -270,826.00 -109,171.00 -71,915.00 255,107.00 -331,986.00 -216,445.00 -100,900.00 642,441.00 -820,118.00 -583,412.00 -279,034.00 95,936.00 -126,232.00 -214,605.00 -292,348.00
Financing Cash Flow 14,480.00 122,977.00 61,454.00 -86,539.00 187,988.00 67,419.00 24,659.00 -253,225.00 327,356.00 209,026.00 81,934.00 535,211.00 -368,155.00 -384,496.00 -22,041.00 -805,711.00 425,197.00 444,612.00 372,229.00
   Net Issuance/Repayment of Debt 447,845.00 -1,771.00 23,114.00 -171,007.00 -92,148.00 -6,356.00 65,379.00 51,297.00 92,116.00 65,568.00 -14,554.00 19,472.00 76,769.00 76,678.00 6,589.00 -253,538.00 -125,379.00 71,430.00 182,215.00
   Net Issuance/Repurchase of Equity 9,008.00 5,450.00 163.00 151,848.00 757.00 604.00 471.00 904.00 4,926.00 4,786.00 100.00 197.00 3,230.00 3,133.00 82.00 -266.00 70,593.00 70,511.00 201.00
   Dividends Paid 13,078.00 8,527.00 3,870.00 -6,075.00 9,953.00 6,630.00 3,314.00 -6,219.00 9,666.00 6,358.00 3,176.00 -6,398.00 9,558.00 6,384.00 3,191.00 -4,035.00 6,586.00 4,301.00 2,020.00
   Other Financing Activities -455,451.00 110,771.00 34,307.00 -61,305.00 269,426.00 66,541.00 -44,505.00 -299,207.00 220,648.00 132,314.00 93,212.00 521,940.00 -457,712.00 -470,691.00 -31,903.00 -547,872.00 473,397.00 298,370.00 187,793.00
Net Change in Cash 186,605.00 266,281.00 36,690.00 19,029.00 47,632.00 8,963.00 -28,678.00 -47,405.00 57,218.00 32,994.00 1,290.00 755,514.00 -819,074.00 -676,966.00 -155,321.00 -266,882.00 451,218.00 332,623.00 123,647.00
   Cash at Beginning of Period 70,564.00 70,564.00 70,564.00 51,535.00 96,763.00 96,763.00 96,763.00 144,168.00 60,881.00 60,881.00 60,881.00 -694,633.00 913,752.00 913,752.00 913,752.00 1,180,634.00 303,724.00 303,724.00 303,724.00
   Cash at End of Period 257,169.00 336,845.00 107,254.00 70,564.00 144,395.00 105,726.00 68,085.00 96,763.00 118,099.00 93,875.00 62,171.00 60,881.00 94,678.00 236,786.00 758,431.00 913,752.00 754,942.00 636,347.00 427,371.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0