MS
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 15.64 | 17.80 | 13.65 | 12.03 | 10.46 |
| Price to Sales | 3.24 | 2.80 | 2.68 | 2.93 | 2.28 |
| Book Value Per Common Share | 65.03 | 60.87 | 59.77 | 59.50 | 56.23 |
| Price to Book | 1.93 | 1.53 | 1.42 | 1.65 | 1.22 |
| Price to Operating Cash Flow | 146.85 | -4.53 | -22.47 | 5.16 | -4.35 |
| Price to Free Cash Flow | -95.25 | -4.11 | -15.17 | 5.53 | -4.12 |
| Enterprise Value to EBITDA | 29589.21 | 26105.27 | 46927.73 | 68894.94 | 56289.00 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 56.17 | 65.52 | 44.53 | 54.58 | 46.16 | 51.05 | 42.84 | 34.98 | |||||
| Price to Sales | 14.62 | 14.24 | 10.42 | 11.54 | 9.96 | 9.95 | 10.23 | 8.87 | |||||
| Book Value Per Common Share | 69.11 | 67.69 | 66.47 | 65.03 | 64.29 | 60.98 | 60.87 | 60.36 | 59.77 | 58.59 | 59.50 | 56.86 | 56.23 |
| Price to Book | 2.30 | 2.08 | 1.76 | 1.93 | 1.62 | 1.54 | 1.53 | 1.45 | 1.42 | 1.49 | 1.65 | 1.37 | 1.22 |
| Price to Operating Cash Flow | -74.95 | 18.78 | -7.71 | -9.56 | 34.58 | -14.64 | 633.79 | 5.19 | |||||
| Price to Free Cash Flow | -61.74 | 20.07 | -7.49 | -9.08 | 42.54 | -13.65 | -366.76 | 5.29 | |||||
| Enterprise Value to EBITDA | 105299.27 | 92807.91 | 110900.78 | 257350.75 | 218581.75 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 53.44 | -15.89 | -23.65 | 24.58 | |
| Revenue YoY | 14.07 | 0.89 | -10.19 | 23.98 | |
| EBITDA YoY | 17.48 | 91.47 | 20.22 | 14.59 | |
| Net Profit YoY | 47.35 | -17.61 | -26.64 | 36.72 |
| 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 | 31.63 | -17.94 | 37.17 | -6.37 | 18.60 | -15.69 | -8.11 | ||||||
| Revenue YoY | 9.48 | -12.04 | 23.71 | -5.27 | 4.26 | -1.92 | -5.84 | ||||||
| EBITDA YoY | 24.80 | 121.73 | -10.18 | ||||||||||
| Net Profit YoY | 31.19 | -21.39 | 42.50 | -11.25 | 14.50 | -18.71 | -11.02 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 140.76 | 122.83 | 143.13 | 138.78 | 138.42 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 10.53 | 10.94 | 10.66 | 10.15 | 9.82 |
| 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 | 132.44 | 139.36 | 140.56 | 122.91 | 141.73 | 144.46 | 152.25 | 139.78 | 129.72 | 122.59 | |||
| Quick Ratio | |||||||||||||
| Current Ratio | |||||||||||||
| Debt to Equity | 11.29 | 11.39 | 11.06 | 10.53 | 11.02 | 11.27 | 10.94 | 10.77 | 10.66 | 10.74 | 10.15 | 9.77 | 9.82 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.10 | 0.76 | 0.93 | 1.27 | 0.99 |
| ROE | 12.70 | 9.09 | 10.89 | 14.10 | 10.66 |
| Gross Margin | |||||
| Operating Margin | 102.20 | 99.48 | 49.11 | 35.20 | 37.90 |
| EBITDA Margin | 110.56 | 107.35 | 56.56 | 42.26 | 45.72 |
| Net Profit Margin | 21.68 | 16.78 | 20.55 | 25.16 | 22.81 |
| 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 | 0.33 | 0.25 | 0.33 | 0.24 | 0.28 | 0.25 | 0.30 | 0.36 | |||||
| ROE | 4.01 | 3.10 | 4.00 | 2.89 | 3.41 | 2.92 | 3.52 | 3.83 | |||||
| Gross Margin | 99.74 | ||||||||||||
| Operating Margin | 95.49 | 102.60 | 84.62 | 33.93 | 36.60 | ||||||||
| EBITDA Margin | 100.37 | 109.04 | 91.09 | 40.29 | 42.24 | ||||||||
| Net Profit Margin | 26.05 | 21.74 | 24.32 | 21.12 | 22.54 | 20.53 | 24.77 | 26.21 |
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 | 38.31 | 46.70 | 52.51 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 1,215,071,000.00 | 1,193,693,000.00 | 1,180,231,000.00 | 1,188,140,000.00 | 1,115,862,000.00 |
| Deposits | 376,007,000.00 | 351,804,000.00 | 356,646,000.00 | 347,574,000.00 | 310,782,000.00 |
| Cash and Short-Term Investments | 223,951,000.00 | 199,972,000.00 | 242,034,000.00 | 247,724,000.00 | 221,888,000.00 |
| Cash and Cash Equivalents | 223,951,000.00 | 199,972,000.00 | 242,034,000.00 | 247,724,000.00 | 221,888,000.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 12,319,000.00 | 15,255,000.00 | 14,788,000.00 | 174,956,000.00 | 138,619,000.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 4,114,000.00 | 4,368,000.00 | 4,073,000.00 | 4,268,000.00 | 4,419,000.00 |
| Goodwill | 16,706,000.00 | 16,707,000.00 | 16,652,000.00 | 16,833,000.00 | 11,635,000.00 |
| Intangible Assets | 6,453,000.00 | 7,055,000.00 | 7,618,000.00 | 8,360,000.00 | 4,980,000.00 |
| 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 | 1,109,643,000.00 | 1,093,711,000.00 | 1,079,000,000.00 | 1,081,542,000.00 | 1,012,713,000.00 |
| 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 | 105,428,000.00 | 99,982,000.00 | 101,231,000.00 | 106,598,000.00 | 103,149,000.00 |
| Shareholders Equity | 104,511,000.00 | 99,038,000.00 | 100,141,000.00 | 105,441,000.00 | 101,781,000.00 |
| Capital Stock | 20,000.00 | 20,000.00 | 20,000.00 | 20,000.00 | 20,000.00 |
| Share Premium | 30,179,000.00 | 29,832,000.00 | 29,339,000.00 | 28,841,000.00 | 25,546,000.00 |
| Retained Earnings | 104,989,000.00 | 97,996,000.00 | 94,862,000.00 | 89,432,000.00 | 78,694,000.00 |
| Treasury Shares | -33,613,000.00 | -31,139,000.00 | -26,577,000.00 | -17,500,000.00 | -9,767,000.00 |
| Accumulated Other Comprehensive Income | -6,814,000.00 | -6,421,000.00 | -6,253,000.00 | -3,102,000.00 | -1,962,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 242,424,000.00 | 231,831,000.00 | 247,281,000.00 | 249,712,000.00 | 228,625,000.00 |
| Debt | 284,307,000.00 | 260,544,000.00 | 233,867,000.00 | 227,363,000.00 | 213,388,000.00 |
| Net Debt | 60,356,000.00 | 60,572,000.00 | 0 | 0 | 0 |
| Common Shares Outstanding | 1,607,000.00 | 1,627,000.00 | 1,675,487.41 | 1,772,226.53 | 1,810,000.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 61,761,000.00 | 54,143,000.00 | 53,668,000.00 | 59,755,000.00 | 48,198,000.00 |
| Interest Income | 54,135,000.00 | 50,281,000.00 | 21,595,000.00 | 9,411,000.00 | 10,162,000.00 |
| Interest Expense | 45,524,000.00 | 42,051,000.00 | 12,268,000.00 | 1,366,000.00 | 3,849,000.00 |
| Net Interest | 8,611,000.00 | 8,230,000.00 | 9,327,000.00 | 8,045,000.00 | 6,313,000.00 |
| Non-Interest Income | 53,150,000.00 | 45,913,000.00 | 44,341,000.00 | 51,710,000.00 | 41,885,000.00 |
| Non-Interest Expense | 43,901,000.00 | 41,798,000.00 | 39,299,000.00 | 40,083,000.00 | -33,780,000.00 |
| Selling, General and Administrative Expenses | 9,859,000.00 | 9,626,000.00 | 9,197,000.00 | 8,420,000.00 | 6,663,000.00 |
| EBT | 17,596,000.00 | 11,813,000.00 | 14,089,000.00 | 19,668,000.00 | 14,418,000.00 |
| Income Tax | 4,067,000.00 | 2,583,000.00 | 2,910,000.00 | 4,548,000.00 | 3,239,000.00 |
| Net Income Including Non-Controlling Interests | 13,529,000.00 | 9,230,000.00 | 11,179,000.00 | 15,120,000.00 | 11,179,000.00 |
| Net Income Non-Controlling Interests | -139,000.00 | -143,000.00 | -150,000.00 | -86,000.00 | -183,000.00 |
| Net Income | 13,390,000.00 | 9,087,000.00 | 11,029,000.00 | 15,034,000.00 | 10,996,000.00 |
| EBIT | 63,120,000.00 | 53,864,000.00 | 26,357,000.00 | 21,034,000.00 | 18,267,000.00 |
| Deprecation and Amortization | 5,161,000.00 | 4,256,000.00 | 3,998,000.00 | 4,216,000.00 | 3,769,000.00 |
| EBITDA | 68,281,000.00 | 58,120,000.00 | 30,355,000.00 | 25,250,000.00 | 22,036,000.00 |
| EPS | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Diluted EPS | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Average Shares Outstanding Basic | 1,591,000.00 | 1,628,000.00 | 1,691,000.00 | 1,785,000.00 | 1,603,000.00 |
| Average Shares Outstanding Diluted | 1,611,000.00 | 1,646,000.00 | 1,713,000.00 | 1,814,000.00 | 1,624,000.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 1,362,000.00 | -33,536,000.00 | -6,397,000.00 | 33,971,000.00 | -25,231,000.00 |
| Operating Net Income | 13,529,000.00 | 9,230,000.00 | 11,179,000.00 | 15,120,000.00 | 11,179,000.00 |
| Deprecation and Amortization | 5,161,000.00 | 4,256,000.00 | 3,998,000.00 | 4,216,000.00 | 3,769,000.00 |
| Deferred Income Tax | 152,000.00 | -463,000.00 | -849,000.00 | 4,000.00 | -250,000.00 |
| Share Based Compensation | 1,622,000.00 | 1,709,000.00 | 1,875,000.00 | 2,085,000.00 | 1,312,000.00 |
| Change in Working Capital | 3,638,000.00 | -64,053,000.00 | -29,655,000.00 | 17,607,000.00 | -4,037,000.00 |
| Other Operating Activities | -22,740,000.00 | 15,785,000.00 | 7,055,000.00 | -5,061,000.00 | -37,204,000.00 |
| Investing Cash Flow | -29,460,000.00 | -3,084,000.00 | -11,632,000.00 | -49,897,000.00 | -37,898,000.00 |
| Capital Expenditure | -3,462,000.00 | -3,412,000.00 | -3,078,000.00 | -2,308,000.00 | -1,444,000.00 |
| Net Purchase/Sale of PPE | -3,462,000.00 | -3,412,000.00 | -3,078,000.00 | -2,308,000.00 | -1,444,000.00 |
| Net Purchase/Sale of Investments Net | -3,380,000.00 | 4,387,000.00 | 15,098,000.00 | -70,403,000.00 | -60,579,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | -2,648,000.00 | 3,807,000.00 |
| Other Investing Activities | -19,156,000.00 | -647,000.00 | -20,574,000.00 | 27,770,000.00 | 21,762,000.00 |
| Financing Cash Flow | 46,756,000.00 | -2,726,000.00 | 22,714,000.00 | 41,547,000.00 | 83,784,000.00 |
| Net Issuance/Repayment of Debt | 28,135,000.00 | 13,619,000.00 | 37,562,000.00 | 20,149,000.00 | 10,242,000.00 |
| Net Issuance/Repurchase of Equity | 995,000.00 | 0 | 994,000.00 | 1,275,000.00 | 0 |
| Dividends Paid | 6,138,000.00 | 5,763,000.00 | 5,401,000.00 | 4,171,000.00 | 2,739,000.00 |
| Other Financing Activities | 11,488,000.00 | -22,108,000.00 | -21,243,000.00 | 15,952,000.00 | 70,803,000.00 |
| Net Change in Cash | 16,154,000.00 | -38,895,000.00 | 402,000.00 | 22,071,000.00 | 23,483,000.00 |
| Cash at Beginning of Period | 89,232,000.00 | 128,127,000.00 | 127,725,000.00 | 105,654,000.00 | 82,171,000.00 |
| Cash at End of Period | 105,386,000.00 | 89,232,000.00 | 128,127,000.00 | 127,725,000.00 | 105,654,000.00 |
| Free Cash Flow | -2,100,000.00 | -36,948,000.00 | -9,475,000.00 | 31,663,000.00 | -26,675,000.00 |
| 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 | 1,364,806,000.00 | 1,353,870,000.00 | 1,300,296,000.00 | 1,215,071,000.00 | 1,258,027,000.00 | 1,228,503,000.00 | 1,193,693,000.00 | 1,199,904,000.00 | 1,180,231,000.00 | 1,222,233,000.00 | 1,188,140,000.00 | 1,158,772,000.00 | 1,115,862,000.00 |
| Deposits | 0 | 0 | 381,563,000.00 | 376,007,000.00 | 0 | 352,494,000.00 | 351,804,000.00 | 347,523,000.00 | 356,646,000.00 | 360,840,000.00 | 347,574,000.00 | 323,138,000.00 | 310,782,000.00 |
| Cash and Short-Term Investments | 0 | 0 | 209,787,000.00 | 223,951,000.00 | 0 | 225,038,000.00 | 199,972,000.00 | 233,143,000.00 | 242,034,000.00 | 263,853,000.00 | 247,724,000.00 | 232,839,000.00 | 221,888,000.00 |
| Cash and Cash Equivalents | 73,473,000.00 | 78,156,000.00 | 209,787,000.00 | 223,951,000.00 | 61,732,000.00 | 225,038,000.00 | 199,972,000.00 | 233,143,000.00 | 242,034,000.00 | 263,853,000.00 | 247,724,000.00 | 232,839,000.00 | 221,888,000.00 |
| Short-Term Investments | 29,576,000.00 | 31,148,000.00 | 0 | 0 | 23,857,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 113,257,000.00 | 98,310,000.00 | 16,111,000.00 | 12,319,000.00 | 91,380,000.00 | 13,426,000.00 | 15,255,000.00 | 15,146,000.00 | 14,788,000.00 | 14,013,000.00 | 174,956,000.00 | 144,397,000.00 | 138,619,000.00 |
| 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 | 0 | 0 | 0 | 4,114,000.00 | 0 | 0 | 4,368,000.00 | 0 | 4,073,000.00 | 0 | 4,268,000.00 | 0 | 4,419,000.00 |
| Goodwill | 16,725,000.00 | 16,734,000.00 | 16,714,000.00 | 16,706,000.00 | 16,735,000.00 | 16,722,000.00 | 16,707,000.00 | 16,657,000.00 | 16,652,000.00 | 16,825,000.00 | 16,833,000.00 | 16,836,000.00 | 11,635,000.00 |
| Intangible Assets | 6,097,000.00 | 6,185,000.00 | 6,305,000.00 | 6,453,000.00 | 6,620,000.00 | 6,914,000.00 | 7,055,000.00 | 7,470,000.00 | 7,618,000.00 | 8,244,000.00 | 8,360,000.00 | 8,846,000.00 | 4,980,000.00 |
| Long-Term Investments | 387,926,000.00 | 369,322,000.00 | 0 | 0 | 372,280,000.00 | 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 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 1,253,755,000.00 | 1,244,600,000.00 | 1,192,449,000.00 | 1,109,643,000.00 | 1,153,356,000.00 | 1,128,363,000.00 | 1,093,711,000.00 | 1,097,950,000.00 | 1,079,000,000.00 | 1,118,158,000.00 | 1,081,542,000.00 | 1,051,184,000.00 | 1,012,713,000.00 |
| Payables and Expenses | 226,445,000.00 | 215,345,000.00 | 0 | 0 | 216,591,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 226,445,000.00 | 215,345,000.00 | 0 | 0 | 216,591,000.00 | 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 | 20,924,000.00 | 24,567,000.00 | 0 | 0 | 20,814,000.00 | 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 | 332,196,000.00 | 327,771,000.00 | 0 | 0 | 295,509,000.00 | 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 | 111,051,000.00 | 109,270,000.00 | 107,847,000.00 | 105,428,000.00 | 104,671,000.00 | 100,140,000.00 | 99,982,000.00 | 101,954,000.00 | 101,231,000.00 | 104,075,000.00 | 106,598,000.00 | 107,588,000.00 | 103,149,000.00 |
| Shareholders Equity | 109,962,000.00 | 108,184,000.00 | 106,812,000.00 | 104,511,000.00 | 103,647,000.00 | 99,198,000.00 | 99,038,000.00 | 100,826,000.00 | 100,141,000.00 | 102,901,000.00 | 105,441,000.00 | 106,259,000.00 | 101,781,000.00 |
| Capital Stock | 9,770,000.00 | 9,770,000.00 | 20,000.00 | 20,000.00 | 9,770,000.00 | 20,000.00 | 20,000.00 | 20,000.00 | 20,000.00 | 20,000.00 | 20,000.00 | 20,000.00 | 20,000.00 |
| Share Premium | 30,730,000.00 | 30,263,000.00 | 29,773,000.00 | 30,179,000.00 | 29,820,000.00 | 29,046,000.00 | 29,832,000.00 | 28,856,000.00 | 29,339,000.00 | 28,007,000.00 | 28,841,000.00 | 27,406,000.00 | 25,546,000.00 |
| Retained Earnings | 112,426,000.00 | 109,567,000.00 | 107,653,000.00 | 104,989,000.00 | 102,911,000.00 | 99,811,000.00 | 97,996,000.00 | 96,392,000.00 | 94,862,000.00 | 91,722,000.00 | 89,432,000.00 | 82,034,000.00 | 78,694,000.00 |
| Treasury Shares | 36,618,000.00 | 35,503,000.00 | -34,423,000.00 | -33,613,000.00 | 32,868,000.00 | -31,372,000.00 | -31,139,000.00 | -27,481,000.00 | -26,577,000.00 | -19,696,000.00 | -17,500,000.00 | -8,197,000.00 | -9,767,000.00 |
| Accumulated Other Comprehensive Income | -6,346,000.00 | -5,913,000.00 | -5,961,000.00 | -6,814,000.00 | -5,986,000.00 | -7,057,000.00 | -6,421,000.00 | -5,711,000.00 | -6,253,000.00 | -4,902,000.00 | -3,102,000.00 | -2,754,000.00 | -1,962,000.00 |
| Minority Interest | 1,089,000.00 | 1,086,000.00 | 0 | 0 | 1,024,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 259,274,000.00 | 242,424,000.00 | 0 | 255,585,000.00 | 231,831,000.00 | 268,101,000.00 | 247,281,000.00 | 278,762,000.00 | 249,712,000.00 | 216,870,000.00 | 228,625,000.00 |
| Debt | 353,120,000.00 | 352,338,000.00 | 296,997,000.00 | 284,307,000.00 | 316,323,000.00 | 266,150,000.00 | 260,544,000.00 | 245,595,000.00 | 233,867,000.00 | 225,671,000.00 | 227,363,000.00 | 208,267,000.00 | 213,388,000.00 |
| Net Debt | 279,647,000.00 | 274,182,000.00 | 87,210,000.00 | 60,356,000.00 | 254,591,000.00 | 41,112,000.00 | 60,572,000.00 | 12,452,000.00 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 1,591,091.69 | 1,598,299.43 | 1,606,806.30 | 1,607,000.00 | 1,612,068.43 | 1,626,657.46 | 1,627,000.00 | 1,670,318.32 | 1,675,487.41 | 1,756,153.37 | 1,772,226.53 | 1,868,925.32 | 1,810,000.00 |
| 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 | 17,083,000.00 | 15,604,000.00 | 17,739,000.00 | 14,339,000.00 | 15,136,000.00 | 14,517,000.00 | 14,801,000.00 | 15,719,000.00 |
| Cost Of Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 39,000.00 | 0 |
| Interest Income | 15,456,000.00 | 14,905,000.00 | 13,748,000.00 | 14,185,000.00 | 12,930,000.00 | 10,870,000.00 | 2,650,000.00 | 2,437,000.00 |
| Interest Expense | 12,965,000.00 | 12,558,000.00 | 11,395,000.00 | 11,989,000.00 | 11,134,000.00 | 8,524,000.00 | 434,000.00 | 409,000.00 |
| Net Interest | 0 | 0 | 2,353,000.00 | 0 | 1,796,000.00 | 2,346,000.00 | 2,216,000.00 | 2,028,000.00 |
| Non-Interest Income | 0 | 0 | 15,386,000.00 | 0 | 13,340,000.00 | 12,171,000.00 | 12,585,000.00 | 13,691,000.00 |
| Non-Interest Expense | 11,055,000.00 | 10,786,000.00 | 12,060,000.00 | 9,999,000.00 | 10,747,000.00 | 10,523,000.00 | 10,156,000.00 | 10,473,000.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 0 | 0 | 0 | 39,000.00 | 0 |
| Gross Profit | 0 | 0 | 0 | 0 | 0 | 0 | 14,762,000.00 | 0 |
| Selling, General and Administrative Expenses | 7,722,000.00 | 7,487,000.00 | 2,411,000.00 | 6,957,000.00 | 2,273,000.00 | 2,312,000.00 | 2,136,000.00 | 1,908,000.00 |
| EBT | 6,028,000.00 | 4,622,000.00 | 5,544,000.00 | 4,221,000.00 | 4,395,000.00 | 3,760,000.00 | 4,588,000.00 | 5,344,000.00 |
| Income Tax | 1,373,000.00 | 1,047,000.00 | 1,173,000.00 | 995,000.00 | 933,000.00 | 727,000.00 | 873,000.00 | 1,176,000.00 |
| Net Income Including Non-Controlling Interests | 4,655,000.00 | 3,575,000.00 | 4,371,000.00 | 3,226,000.00 | 3,462,000.00 | 3,033,000.00 | 3,715,000.00 | 4,168,000.00 |
| Net Income Non-Controlling Interests | -45,000.00 | -36,000.00 | -56,000.00 | -38,000.00 | -50,000.00 | -53,000.00 | -49,000.00 | -48,000.00 |
| Net Income | 4,450,000.00 | 3,392,000.00 | 4,315,000.00 | 3,028,000.00 | 3,412,000.00 | 2,980,000.00 | 3,666,000.00 | 4,120,000.00 |
| EBIT | 0 | 0 | 16,939,000.00 | 0 | 15,529,000.00 | 12,284,000.00 | 5,022,000.00 | 5,753,000.00 |
| Deprecation and Amortization | 1,348,000.00 | 1,307,000.00 | 865,000.00 | 1,270,000.00 | 975,000.00 | 940,000.00 | 942,000.00 | 887,000.00 |
| EBITDA | 0 | 0 | 17,804,000.00 | 0 | 16,504,000.00 | 13,224,000.00 | 5,964,000.00 | 6,640,000.00 |
| 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 | 1,571,000.00 | 1,577,000.00 | 1,584,000.00 | 1,588,000.00 | 1,601,000.00 | 1,645,000.00 | 1,733,000.00 | 1,795,000.00 |
| Average Shares Outstanding Diluted | 1,590,000.00 | 1,593,000.00 | 1,600,000.00 | 1,609,000.00 | 1,616,000.00 | 1,663,000.00 | 1,755,000.00 | 1,818,000.00 |
| 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 | -3,332,000.00 | 11,829,000.00 | -23,976,000.00 | -17,323,000.00 | 4,360,000.00 | -9,865,000.00 | 239,000.00 | 26,879,000.00 |
| Operating Net Income | 4,655,000.00 | 3,575,000.00 | 4,371,000.00 | 3,226,000.00 | 3,462,000.00 | 3,033,000.00 | 3,715,000.00 | 4,168,000.00 |
| Deprecation and Amortization | 1,348,000.00 | 1,307,000.00 | 865,000.00 | 1,270,000.00 | 975,000.00 | 940,000.00 | 942,000.00 | 887,000.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 449,000.00 | 469,000.00 | 539,000.00 | 372,000.00 | 442,000.00 | 558,000.00 | 431,000.00 | 518,000.00 |
| Change in Working Capital | -9,896,000.00 | 6,124,000.00 | -33,617,000.00 | -22,316,000.00 | 2,612,000.00 | 8,258,000.00 | 24,290,000.00 | 5,012,000.00 |
| Other Operating Activities | 112,000.00 | 354,000.00 | 3,866,000.00 | 125,000.00 | -3,131,000.00 | -22,654,000.00 | -29,139,000.00 | 16,294,000.00 |
| Investing Cash Flow | -10,676,000.00 | -17,672,000.00 | -5,034,000.00 | -6,696,000.00 | 1,054,000.00 | -1,041,000.00 | 158,000.00 | -22,561,000.00 |
| Capital Expenditure | 0 | 0 | -713,000.00 | 0 | -816,000.00 | -719,000.00 | -652,000.00 | -525,000.00 |
| Net Purchase/Sale of PPE | -713,000.00 | -763,000.00 | -713,000.00 | -916,000.00 | -816,000.00 | -719,000.00 | -652,000.00 | -525,000.00 |
| Net Purchase/Sale of Investments Net | 707,000.00 | -4,783,000.00 | 2,165,000.00 | -1,055,000.00 | 2,225,000.00 | 500,000.00 | -17,583,000.00 | -32,377,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2,648,000.00 |
| Other Investing Activities | -10,670,000.00 | -12,126,000.00 | -5,773,000.00 | -4,725,000.00 | 461,000.00 | -103,000.00 | 19,045,000.00 | 13,514,000.00 |
| Financing Cash Flow | 9,076,000.00 | 21,667,000.00 | 13,045,000.00 | 23,048,000.00 | 8,857,000.00 | -6,288,000.00 | 9,291,000.00 | 9,564,000.00 |
| Net Issuance/Repayment of Debt | -1,259,000.00 | 12,655,000.00 | 11,594,000.00 | 10,039,000.00 | 10,358,000.00 | 6,018,000.00 | 9,190,000.00 | 4,338,000.00 |
| Net Issuance/Repurchase of Equity | -1,146,000.00 | 0 | 0 | 189,000.00 | 0 | 0 | 0 | 0 |
| Dividends Paid | -1,705,000.00 | -1,584,000.00 | 1,616,000.00 | -1,590,000.00 | 1,496,000.00 | 1,406,000.00 | 1,314,000.00 | 755,000.00 |
| Other Financing Activities | 13,186,000.00 | 0 | -165,000.00 | 14,410,000.00 | -2,997,000.00 | -13,712,000.00 | -1,213,000.00 | 4,471,000.00 |
| Net Change in Cash | -4,932,000.00 | 15,824,000.00 | -14,647,000.00 | -971,000.00 | 13,073,000.00 | -16,869,000.00 | 8,361,000.00 | 12,464,000.00 |
| Cash at Beginning of Period | 109,130,000.00 | 90,739,000.00 | 105,386,000.00 | 90,160,000.00 | 89,232,000.00 | 128,127,000.00 | 127,725,000.00 | 105,654,000.00 |
| Cash at End of Period | 103,734,000.00 | 109,130,000.00 | 90,739,000.00 | 91,084,000.00 | 102,305,000.00 | 111,258,000.00 | 136,086,000.00 | 118,118,000.00 |
| Free Cash Flow | -4,045,000.00 | 11,066,000.00 | -24,689,000.00 | -18,239,000.00 | 3,544,000.00 | -10,584,000.00 | -413,000.00 | 26,354,000.00 |