MVBF
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 13.27 | 9.17 | 17.90 | 12.51 | 7.25 |
| Price to Sales | |||||
| Book Value Per Common Share | 23.61 | 22.68 | 20.69 | 22.70 | 20.78 |
| Price to Book | 0.88 | 0.99 | 1.06 | 1.83 | 1.09 |
| Price to Operating Cash Flow | -936.65 | 4.92 | 4.15 | 14.05 | 2.39 |
| Price to Free Cash Flow | -140.05 | 5.09 | 4.58 | 16.33 | 2.71 |
| Enterprise Value to EBITDA | 25059.99 | 29119.44 | 73136.95 | 84983.31 | 42249.56 |
| 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 | 18.43 | 140.81 | 61.86 | 121.00 | 63.74 | 22.93 | 172.92 | 48.29 | |||||
| Price to Sales | 12.80 | 9.26 | 7.70 | ||||||||||
| Book Value Per Common Share | 26.07 | 23.78 | 23.94 | 23.61 | 23.44 | 22.73 | 22.68 | 21.43 | 20.69 | 21.66 | 22.70 | 20.38 | 20.78 |
| Price to Book | 0.96 | 0.95 | 0.72 | 0.88 | 0.83 | 0.98 | 0.99 | 0.96 | 1.06 | 1.92 | 1.83 | 1.66 | 1.09 |
| Price to Operating Cash Flow | -123.33 | 39.11 | 15.87 | 28.97 | -11.31 | -48.97 | -8.75 | 38.15 | |||||
| Price to Free Cash Flow | -89.85 | 40.14 | 16.17 | 30.05 | -10.92 | -41.82 | -8.57 | 44.39 | |||||
| Enterprise Value to EBITDA | 101322.30 | 106960.93 | 159592.06 | 862647.65 | 306283.97 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -36.59 | 100.00 | -62.95 | 6.07 | |
| Revenue YoY | |||||
| EBITDA YoY | 8.18 | 160.15 | -35.66 | -4.55 | |
| Net Profit YoY | -35.67 | 107.56 | -61.54 | 4.57 |
| 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 | 750.00 | -42.86 | 75.00 | -54.29 | -61.11 | 275.00 | -65.71 | ||||||
| Revenue YoY | -21.35 | ||||||||||||
| EBITDA YoY | 63.67 | 180.11 | -54.32 | ||||||||||
| Net Profit YoY | 755.94 | -44.03 | 71.97 | -53.59 | -60.48 | 296.02 | -64.58 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 27.97 | 34.61 | 6.44 | 55.18 | 47.98 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 9.23 | 10.45 | 10.74 | 9.14 | 8.74 |
| 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 | 22.84 | 27.85 | 53.19 | 34.43 | 48.63 | 6.26 | 61.57 | 53.78 | 62.38 | 49.21 | |||
| Quick Ratio | |||||||||||||
| Current Ratio | |||||||||||||
| Debt to Equity | 8.86 | 9.66 | 8.74 | 9.23 | 10.28 | 11.16 | 10.45 | 12.09 | 10.74 | 9.97 | 9.14 | 10.18 | 8.74 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.64 | 0.94 | 0.49 | 1.40 | 1.60 |
| ROE | 6.57 | 10.79 | 5.76 | 14.21 | 15.62 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin |
| 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 | 0.53 | 0.06 | 0.12 | 0.06 | 0.13 | 0.32 | 0.10 | 0.31 | |||||
| ROE | 5.23 | 0.66 | 1.15 | 0.69 | 1.54 | 4.18 | 1.09 | 3.42 | |||||
| Gross Margin | |||||||||||||
| Operating Margin | |||||||||||||
| EBITDA Margin | |||||||||||||
| Net Profit Margin | 69.37 | 6.37 | 6.40 |
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 | 12.47 | 110.34 | 82.55 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 3,128,704.00 | 3,313,882.00 | 3,068,850.00 | 2,792,449.00 | 2,331,476.00 |
| Deposits | 2,693,615.00 | 2,901,476.00 | 2,570,482.00 | 2,377,605.00 | 1,982,389.00 |
| Cash and Short-Term Investments | 360,496.00 | 439,315.00 | 79,024.00 | 649,995.00 | 567,174.00 |
| Cash and Cash Equivalents | 317,913.00 | 398,229.00 | 40,280.00 | 617,593.00 | 539,589.00 |
| Short-Term Investments | 42,583.00 | 41,086.00 | 38,744.00 | 32,402.00 | 27,585.00 |
| Net Receivables | 0 | 629.00 | 23,126.00 | 0 | 2,856,862.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 39,375.00 | 33,828.00 | 23,653.00 | 25,052.00 | 43,703.00 |
| Real Estate | 0 | 0 | 1,200.00 | 2,300.00 | 5,700.00 |
| Goodwill | 2,838.00 | 2,838.00 | 3,988.00 | 3,988.00 | 2,350.00 |
| Intangible Assets | 600.00 | 600.00 | 3,820.00 | 3,820.00 | 3,941.00 |
| Long-Term Investments | 78,255.00 | 75,754.00 | 76,223.00 | 40,013.00 | 46,494.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 2,822,913.00 | 3,024,540.00 | 2,807,459.00 | 2,517,146.00 | 2,091,993.00 |
| 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 | 305,791.00 | 289,342.00 | 261,391.00 | 275,303.00 | 239,483.00 |
| Shareholders Equity | 305,679.00 | 289,384.00 | 261,084.00 | 274,328.00 | 239,483.00 |
| Capital Stock | 13,793.00 | 13,606.00 | 13,466.00 | 12,935.00 | 19,708.00 |
| Share Premium | 164,677.00 | 160,488.00 | 157,152.00 | 143,521.00 | 129,119.00 |
| Retained Earnings | 172,181.00 | 160,862.00 | 144,911.00 | 138,219.00 | 105,171.00 |
| Treasury Shares | -16,741.00 | -16,741.00 | -16,741.00 | -16,741.00 | -16,741.00 |
| Accumulated Other Comprehensive Income | -28,231.00 | -28,831.00 | -37,704.00 | -3,606.00 | 2,226.00 |
| Minority Interest | 112.00 | -42.00 | 307.00 | 975.00 | 0 |
| Investments | 120,838.00 | 116,840.00 | 114,967.00 | 72,415.00 | 1,938,447.00 |
| Debt | 73,787.00 | 80,326.00 | 83,051.00 | 73,030.00 | 43,407.00 |
| Net Debt | 0 | 0 | 4,027.00 | 0 | 0 |
| Common Shares Outstanding | 12,945.30 | 12,758.38 | 12,618.26 | 12,086.95 | 11,526.31 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 0 | 0 | 14,194.00 | 6,857.00 | 16,484.00 |
| Interest Income | 185,842.00 | 189,818.00 | 125,957.00 | 83,429.00 | 80,453.00 |
| Interest Expense | 76,644.00 | 66,535.00 | 14,154.00 | 6,270.00 | 11,627.00 |
| Net Interest | 109,198.00 | 123,283.00 | 111,803.00 | 77,159.00 | 68,826.00 |
| Non-Interest Income | 42,913.00 | 19,715.00 | 38,294.00 | 62,596.00 | 91,837.00 |
| Non-Interest Expense | -122,226.00 | 117,625.00 | 117,388.00 | 97,452.00 | 97,141.00 |
| Provisions for Credit Losses | 0 | 0 | 14,194.00 | -6,857.00 | 16,484.00 |
| Selling, General and Administrative Expenses | 41,519.00 | 38,184.00 | 29,728.00 | 27,197.00 | 25,003.00 |
| EBT | 26,344.00 | 27,294.00 | 18,515.00 | 48,578.00 | 46,943.00 |
| Income Tax | 6,099.00 | 5,070.00 | 4,128.00 | 9,882.00 | 9,532.00 |
| Net Income Including Non-Controlling Interests | 20,245.00 | 31,006.00 | 14,387.00 | 38,696.00 | 0 |
| Net Income Non-Controlling Interests | -154.00 | 226.00 | 660.00 | 425.00 | 0 |
| Net Income | 20,091.00 | 31,232.00 | 15,047.00 | 39,121.00 | 37,411.00 |
| EBIT | 102,988.00 | 93,829.00 | 32,669.00 | 54,848.00 | 58,570.00 |
| Deprecation and Amortization | 3,931.00 | 5,003.00 | 5,322.00 | 4,198.00 | 3,292.00 |
| EBITDA | 106,919.00 | 98,832.00 | 37,991.00 | 59,046.00 | 61,862.00 |
| 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 | 12,890.16 | 12,694.21 | 12,279.46 | 11,778.56 | 11,821.57 |
| Average Shares Outstanding Diluted | 13,136.76 | 12,997.33 | 12,870.73 | 12,613.62 | 12,088.11 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | -285.00 | 58,233.00 | 65,180.00 | 34,815.00 | 112,235.00 |
| Operating Net Income | 20,245.00 | 31,006.00 | 14,387.00 | 38,696.00 | 37,411.00 |
| Deprecation and Amortization | 3,931.00 | 5,003.00 | 5,322.00 | 4,198.00 | 3,292.00 |
| Deferred Income Tax | 2,196.00 | 97.00 | -3,631.00 | 6,129.00 | -3,386.00 |
| Share Based Compensation | 2,913.00 | 2,658.00 | 2,800.00 | 2,634.00 | 2,353.00 |
| Change in Working Capital | 176,619.00 | 33,678.00 | -589,624.00 | -465,983.00 | -97,846.00 |
| Other Operating Activities | -206,189.00 | -14,209.00 | 635,926.00 | 449,141.00 | 170,411.00 |
| Investing Cash Flow | 144,463.00 | 88,249.00 | -628,954.00 | -571,954.00 | -294,111.00 |
| Capital Expenditure | -1,620.00 | -1,915.00 | -6,082.00 | -4,865.00 | -13,230.00 |
| Net Purchase/Sale of PPE | 15,687.00 | -1,490.00 | -2,992.00 | -4,565.00 | -4,928.00 |
| Net Purchase/Sale of Investments Net | -70,060.00 | 41,640.00 | -20,641.00 | -23,390.00 | 120,815.00 |
| Net Purchase/Sale of Business | -1,948.00 | -6,679.00 | -38,400.00 | -1,272.00 | 57,306.00 |
| Net Loan & Lease Activity | 1,246.00 | 14,934.00 | 3,832.00 | 0 | 0 |
| Other Investing Activities | 201,158.00 | 41,759.00 | -564,671.00 | -537,862.00 | -454,074.00 |
| Financing Cash Flow | -224,494.00 | 211,467.00 | 296,617.00 | 580,683.00 | 417,767.00 |
| Net Issuance/Repayment of Debt | -8,907.00 | -8,246.00 | -1,473.00 | 567.00 | -623.00 |
| Net Issuance/Repurchase of Equity | 1,489.00 | 637.00 | 2,069.00 | -2,404.00 | 20,210.00 |
| Dividends Paid | 8,772.00 | 8,639.00 | 8,355.00 | 6,073.00 | 4,736.00 |
| Other Financing Activities | -225,848.00 | 210,437.00 | 287,666.00 | 576,447.00 | 393,444.00 |
| Net Change in Cash | -80,316.00 | 357,949.00 | -267,157.00 | 43,544.00 | 235,891.00 |
| Cash at Beginning of Period | 398,229.00 | 40,280.00 | 307,437.00 | 263,893.00 | 28,002.00 |
| Cash at End of Period | 317,913.00 | 398,229.00 | 40,280.00 | 307,437.00 | 263,893.00 |
| Free Cash Flow | -1,905.00 | 56,318.00 | 59,098.00 | 29,950.00 | 99,005.00 |
| 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 | 3,232,953.00 | 3,224,008.00 | 3,019,687.00 | 3,128,704.00 | 3,418,756.00 | 3,547,390.00 | 3,313,882.00 | 3,551,876.00 | 3,068,850.00 | 2,893,464.00 | 2,792,449.00 | 2,646,089.00 | 2,331,476.00 |
| Deposits | 0 | 0 | 2,583,798.00 | 2,693,615.00 | 0 | 3,145,329.00 | 2,901,476.00 | 3,150,815.00 | 2,570,482.00 | 2,509,079.00 | 2,377,605.00 | 2,216,553.00 | 1,982,389.00 |
| Cash and Short-Term Investments | 0 | 0 | 295,767.00 | 360,496.00 | 0 | 681,463.00 | 439,315.00 | 613,841.00 | 79,024.00 | 744,620.00 | 649,995.00 | 719,235.00 | 567,174.00 |
| Cash and Cash Equivalents | 300,042.00 | 399,379.00 | 251,450.00 | 317,913.00 | 610,911.00 | 640,426.00 | 398,229.00 | 575,265.00 | 40,280.00 | 710,173.00 | 617,593.00 | 691,035.00 | 539,589.00 |
| Short-Term Investments | 324,709.00 | 396,555.00 | 44,317.00 | 42,583.00 | 374,828.00 | 41,037.00 | 41,086.00 | 38,576.00 | 38,744.00 | 34,447.00 | 32,402.00 | 28,200.00 | 27,585.00 |
| Net Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 629.00 | 19,893.00 | 23,126.00 | 9,161.00 | 0 | 1,668,171.00 | 2,856,862.00 |
| 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 | 10,351.00 | 10,877.00 | 11,489.00 | 39,375.00 | 18,838.00 | 32,468.00 | 33,828.00 | 36,469.00 | 23,653.00 | 25,357.00 | 25,052.00 | 44,590.00 | 43,703.00 |
| Real Estate | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,200.00 | 0 | 2,300.00 | 0 | 5,700.00 |
| Goodwill | 0 | 0 | 1,200.00 | 2,838.00 | 0 | 2,838.00 | 2,838.00 | 2,838.00 | 3,988.00 | 3,988.00 | 3,988.00 | 2,350.00 | 2,350.00 |
| Intangible Assets | 0 | 0 | 0 | 600.00 | 0 | 0 | 600.00 | 0 | 3,820.00 | 0 | 3,820.00 | 0 | 3,941.00 |
| Long-Term Investments | 452,830.00 | 521,901.00 | 79,004.00 | 78,255.00 | 493,760.00 | 76,190.00 | 75,754.00 | 75,149.00 | 76,223.00 | 43,063.00 | 40,013.00 | 39,883.00 | 46,494.00 |
| 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 | 2,905,201.00 | 2,921,693.00 | 2,709,633.00 | 2,822,913.00 | 3,115,556.00 | 3,255,562.00 | 3,024,540.00 | 3,280,560.00 | 2,807,459.00 | 2,629,602.00 | 2,517,146.00 | 2,409,406.00 | 2,091,993.00 |
| Payables and Expenses | 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 |
| 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 | 73,976.00 | 73,912.00 | 0 | 0 | 73,725.00 | 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 | 327,752.00 | 302,315.00 | 310,054.00 | 305,791.00 | 303,200.00 | 291,828.00 | 289,342.00 | 271,316.00 | 261,391.00 | 263,862.00 | 275,303.00 | 236,683.00 | 239,483.00 |
| Shareholders Equity | 327,752.00 | 302,315.00 | 310,054.00 | 305,679.00 | 303,086.00 | 291,850.00 | 289,384.00 | 271,131.00 | 261,084.00 | 263,080.00 | 274,328.00 | 236,210.00 | 239,483.00 |
| Capital Stock | 13,892.00 | 13,877.00 | 13,798.00 | 13,793.00 | 13,776.00 | 13,689.00 | 13,606.00 | 13,501.00 | 13,466.00 | 12,991.00 | 12,935.00 | 12,438.00 | 19,708.00 |
| Share Premium | 167,608.00 | 166,078.00 | 165,559.00 | 164,677.00 | 163,532.00 | 162,502.00 | 160,488.00 | 157,844.00 | 157,152.00 | 144,968.00 | 143,521.00 | 130,337.00 | 129,119.00 |
| Retained Earnings | 188,350.00 | 173,350.00 | 173,557.00 | 172,181.00 | 164,978.00 | 163,199.00 | 160,862.00 | 147,465.00 | 144,911.00 | 139,024.00 | 138,219.00 | 112,068.00 | 105,171.00 |
| Treasury Shares | 26,859.00 | 23,121.00 | -16,741.00 | -16,741.00 | 16,741.00 | -16,741.00 | -16,741.00 | -16,741.00 | -16,741.00 | -16,741.00 | -16,741.00 | -16,741.00 | -16,741.00 |
| Accumulated Other Comprehensive Income | -15,239.00 | -27,869.00 | -26,119.00 | -28,231.00 | -22,459.00 | -30,799.00 | -28,831.00 | -30,938.00 | -37,704.00 | -17,162.00 | -3,606.00 | -1,892.00 | 2,226.00 |
| Minority Interest | 0 | 0 | 0 | 112.00 | 114.00 | -22.00 | -42.00 | 185.00 | 307.00 | 782.00 | 975.00 | 473.00 | 0 |
| Investments | 0 | 0 | 123,321.00 | 120,838.00 | 0 | 117,227.00 | 116,840.00 | 113,725.00 | 114,967.00 | 77,510.00 | 72,415.00 | 2,185,590.00 | 1,938,447.00 |
| Debt | 73,976.00 | 73,912.00 | 73,850.00 | 73,787.00 | 73,725.00 | 80,151.00 | 80,326.00 | 82,997.00 | 83,051.00 | 73,094.00 | 73,030.00 | 43,443.00 | 43,407.00 |
| Net Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4,027.00 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 12,570.10 | 12,714.66 | 12,950.30 | 12,945.30 | 12,927.96 | 12,840.88 | 12,758.38 | 12,653.18 | 12,618.26 | 12,143.12 | 12,086.95 | 11,590.05 | 11,526.31 |
| 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 | 24,704.00 | 31,410.00 | 0 | 32,496.00 | 0 | 0 | 0 | 0 |
| Cost Of Revenue | 0 | 0 | 0 | 0 | 0 | 4,455.00 | 1,330.00 | 612.00 |
| Interest Income | 44,220.00 | 42,384.00 | 43,229.00 | 46,627.00 | 50,030.00 | 44,763.00 | 23,262.00 | 19,063.00 |
| Interest Expense | 17,647.00 | 16,604.00 | 16,553.00 | 20,042.00 | 19,891.00 | 12,034.00 | 1,414.00 | 1,558.00 |
| Net Interest | 0 | 0 | 26,676.00 | 0 | 30,139.00 | 32,729.00 | 21,848.00 | 17,505.00 |
| Non-Interest Income | 0 | 0 | 7,008.00 | 0 | 7,834.00 | 3,067.00 | 11,870.00 | 12,458.00 |
| Non-Interest Expense | 32,528.00 | 27,669.00 | -28,701.00 | 28,355.00 | -30,191.00 | -28,317.00 | -28,862.00 | -19,118.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 0 | 0 | 4,455.00 | 1,330.00 | 612.00 |
| Selling, General and Administrative Expenses | 22,319.00 | 16,879.00 | 8,697.00 | 17,763.00 | 10,503.00 | 7,717.00 | 7,648.00 | 5,296.00 |
| EBT | 23,427.00 | 3,166.00 | 4,806.00 | 2,798.00 | 5,785.00 | 2,903.00 | 3,576.00 | 10,227.00 |
| Income Tax | 6,291.00 | 1,164.00 | 1,247.00 | 642.00 | 1,283.00 | 465.00 | 905.00 | 2,169.00 |
| Net Income Including Non-Controlling Interests | 17,136.00 | 2,002.00 | 3,559.00 | 2,156.00 | 4,502.00 | 11,220.00 | 2,671.00 | 8,058.00 |
| Net Income Non-Controlling Interests | 0 | 0 | 18.00 | -76.00 | -20.00 | 122.00 | 193.00 | 27.00 |
| Net Income | 17,136.00 | 2,002.00 | 3,577.00 | 2,080.00 | 4,482.00 | 11,342.00 | 2,864.00 | 8,085.00 |
| EBIT | 0 | 0 | 21,359.00 | 0 | 25,676.00 | 14,937.00 | 4,990.00 | 11,785.00 |
| Deprecation and Amortization | 598.00 | 782.00 | 776.00 | 930.00 | 1,102.00 | 1,424.00 | 851.00 | 1,003.00 |
| EBITDA | 0 | 0 | 22,135.00 | 0 | 26,778.00 | 16,361.00 | 5,841.00 | 12,788.00 |
| 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 | 12,615.48 | 12,912.11 | 12,948.18 | 12,927.96 | 12,810.96 | 12,623.36 | 12,093.18 | 11,530.28 |
| Average Shares Outstanding Diluted | 13,010.53 | 13,121.44 | 13,181.21 | 13,169.01 | 13,119.29 | 13,016.08 | 12,927.81 | 12,286.73 |
| 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 | -2,564.00 | 7,439.00 | 14,128.00 | 8,638.00 | -25,261.00 | -5,321.00 | -57,339.00 | 10,216.00 |
| Operating Net Income | 17,136.00 | 2,002.00 | 3,559.00 | 2,156.00 | 4,502.00 | 11,220.00 | 2,671.00 | 8,058.00 |
| Deprecation and Amortization | 598.00 | 782.00 | 776.00 | 930.00 | 1,102.00 | 1,424.00 | 851.00 | 1,003.00 |
| Deferred Income Tax | 102.00 | -139.00 | 76.00 | 134.00 | 20.00 | 22.00 | 9.00 | -1,036.00 |
| Share Based Compensation | 1,108.00 | 1,000.00 | 711.00 | 652.00 | 780.00 | 831.00 | 674.00 | 592.00 |
| Change in Working Capital | 3,371.00 | 3,747.00 | 17,045.00 | 3,467.00 | 14,477.00 | 7,318.00 | -92,665.00 | -248,425.00 |
| Other Operating Activities | -24,879.00 | 47.00 | -8,039.00 | 1,299.00 | -46,142.00 | -26,136.00 | 31,121.00 | 250,024.00 |
| Investing Cash Flow | -62,730.00 | -70,124.00 | 31,269.00 | 27,769.00 | 25,798.00 | 69,374.00 | -26,982.00 | -263,393.00 |
| Capital Expenditure | 0 | 0 | -261.00 | 0 | -921.00 | -908.00 | -1,227.00 | -1,436.00 |
| Net Purchase/Sale of PPE | -900.00 | -191.00 | -111.00 | -307.00 | -867.00 | -481.00 | -1,227.00 | -1,436.00 |
| Net Purchase/Sale of Investments Net | 15,584.00 | 19,634.00 | -5,102.00 | -5,103.00 | -21,047.00 | 47,617.00 | 7,601.00 | 54,416.00 |
| Net Purchase/Sale of Business | 42,282.00 | 0 | 3,463.00 | 0 | -1,564.00 | -3,935.00 | 0 | 0 |
| Net Loan & Lease Activity | 1,246.00 | 14,934.00 | 3,832.00 | 0 | 0 | |||
| Other Investing Activities | -119,696.00 | -89,567.00 | 5,602.00 | 33,179.00 | 50,197.00 | 26,520.00 | -32,129.00 | -314,937.00 |
| Financing Cash Flow | -34,043.00 | 210,614.00 | -111,860.00 | 118,987.00 | 241,660.00 | 470,932.00 | 130,856.00 | 328,900.00 |
| Net Issuance/Repayment of Debt | 0 | 0 | 1,288.00 | 0 | -1,261.00 | -4,749.00 | 716.00 | 347.00 |
| Net Issuance/Repurchase of Equity | -3,638.00 | 0 | 72.00 | 0 | 1,213.00 | 70.00 | 725.00 | -6,644.00 |
| Dividends Paid | -2,136.00 | -2,209.00 | 2,201.00 | -1,717.00 | 2,145.00 | 2,146.00 | 2,059.00 | 1,188.00 |
| Other Financing Activities | -28,269.00 | 0 | -115,421.00 | 120,704.00 | 239,563.00 | 473,465.00 | 127,356.00 | 334,009.00 |
| Net Change in Cash | -99,337.00 | 147,929.00 | -66,463.00 | 155,394.00 | 242,197.00 | 534,985.00 | 46,535.00 | 75,723.00 |
| Cash at Beginning of Period | 399,379.00 | 251,450.00 | 317,913.00 | 455,517.00 | 398,229.00 | 40,280.00 | 307,437.00 | 263,893.00 |
| Cash at End of Period | 300,042.00 | 399,379.00 | 251,450.00 | 610,911.00 | 640,426.00 | 575,265.00 | 353,972.00 | 339,616.00 |
| Free Cash Flow | -3,519.00 | 7,248.00 | 13,867.00 | 8,329.00 | -26,182.00 | -6,229.00 | -58,566.00 | 8,780.00 |