NBTB
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 16.03 | 15.70 | 12.27 | 10.79 | 13.43 |
| Price to Sales | 13.59 | 12.89 | 12.37 | 11.08 | 9.95 |
| Book Value Per Common Share | 97.07 | 96.05 | 82.03 | 86.40 | 81.54 |
| Price to Book | 0.49 | 0.44 | 0.53 | 0.45 | 0.39 |
| Price to Operating Cash Flow | 8.16 | 7.10 | 6.42 | 6.24 | 6.44 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 32844.55 | 44544.00 | 54616.71 | 48546.68 | 57037.75 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 18.40 | 34.34 | 55.00 | 19.92 | 27.38 | 50.94 | 15.69 | 21.38 | 43.22 | 14.06 | 21.00 | 39.70 | 13.33 | 19.55 | 43.85 |
| Price to Sales | |||||||||||||||
| Book Value Per Common Share | 35.35 | 35.69 | 33.14 | 32.26 | 31.00 | 30.57 | 30.18 | 28.21 | 28.25 | 26.93 | 27.65 | 27.87 | 28.56 | 28.15 | 27.34 |
| Price to Book | 1.18 | 1.16 | 1.29 | 1.37 | 1.25 | 1.20 | 1.05 | 1.13 | 1.19 | 1.41 | 1.36 | 1.30 | 1.26 | 1.28 | 1.46 |
| Price to Operating Cash Flow | 12.95 | 23.75 | 48.25 | 14.97 | 20.86 | 47.06 | 11.75 | 20.34 | 66.19 | 10.61 | 15.73 | 44.35 | 11.61 | 16.36 | 41.09 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA | 64781.20 | 106057.71 | 196799.75 | 66768.40 | 89700.75 | 170874.46 | 65088.37 | 97176.18 | 217632.11 | 93912.98 | 141324.73 | 269517.31 | 88756.25 | 134032.57 | 299474.15 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 11.61 | -24.58 | -0.84 | 49.37 | |
| Revenue YoY | 14.49 | -3.93 | -0.23 | 7.16 | |
| EBITDA YoY | 63.70 | 22.79 | -0.96 | 40.10 | |
| Net Profit YoY | 18.40 | -21.85 | -1.87 | 48.37 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 87.60 | 55.13 | 57.45 | 95.83 | 35.57 | 91.03 | 50.84 | 96.70 | 47.28 | 102.20 | |||||
| Revenue YoY | |||||||||||||||
| EBITDA YoY | 70.57 | 92.39 | 48.80 | 53.99 | 100.51 | 56.36 | 111.66 | 51.74 | 97.74 | 51.45 | 101.23 | ||||
| Net Profit YoY | 91.93 | 61.26 | 57.26 | 96.73 | 38.61 | 89.35 | 50.68 | 96.55 | 46.71 | 101.13 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 6.02 | 7.79 | 7.32 | 32.18 | 18.08 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.74 | 4.26 | 4.61 | 4.40 | 4.21 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 12.21 | 10.71 | 5.38 | 10.23 | 6.95 | 9.28 | 17.26 | 7.08 | 7.65 | 9.60 | 14.27 | 27.63 | 33.25 | 26.78 | 28.74 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 7.69 | 7.87 | 7.85 | 8.09 | 8.24 | 8.32 | 9.15 | 8.82 | 8.77 | 9.07 | 8.86 | 9.10 | 8.66 | 8.45 | 8.69 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.48 | 0.79 | 1.15 | 1.15 | 0.84 |
| ROE | 0.84 | 4.17 | 6.48 | 6.19 | 4.39 |
| Gross Margin | 64.50 | 47.62 | 88.62 | 89.06 | 63.71 |
| Operating Margin | 393.50 | 275.71 | 215.73 | 218.10 | 167.01 |
| EBITDA Margin | 413.88 | 289.46 | 226.47 | 228.14 | 174.49 |
| Net Profit Margin | 84.87 | 82.06 | 100.88 | 102.57 | 74.08 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.71 | 0.37 | 0.27 | 0.76 | 0.49 | 0.25 | 0.64 | 0.54 | 0.28 | 1.00 | 0.66 | 0.32 | 0.98 | 0.69 | 0.35 |
| ROE | 6.14 | 3.28 | 2.35 | 6.88 | 4.55 | 2.35 | 6.48 | 5.26 | 2.78 | 10.02 | 6.47 | 3.25 | 9.47 | 6.54 | 3.35 |
| Gross Margin | |||||||||||||||
| Operating Margin | |||||||||||||||
| EBITDA Margin | |||||||||||||||
| Net Profit Margin |
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 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | |||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 29,377,092.00 | 15,007,558.00 | 13,164,722.00 | 13,512,744.00 | 12,371,826.00 |
| Deposits | 16,435,334.00 | 15,707,532.00 | 13,547,029.00 | 14,425,497.00 | 12,956,294.00 |
| Cash and Short-Term Investments | 284,056.00 | 346,701.00 | 314,201.00 | 1,397,343.00 | 790,003.00 |
| Cash and Cash Equivalents | 284,056.00 | 205,189.00 | 197,350.00 | 1,269,071.00 | 672,681.00 |
| Short-Term Investments | 0 | 141,512.00 | 116,851.00 | 128,272.00 | 117,322.00 |
| Net Receivables | 86,985,824.00 | 84,136,566.00 | 75,030,180.00 | 68,910,212.00 | 341,119.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 108,440.00 | 107,375.00 | 92,947.00 | 95,393.00 | 100,606.00 |
| Goodwill | 726,226.00 | 362,751.00 | 281,204.00 | 280,541.00 | 280,541.00 |
| Intangible Assets | 109,080.00 | 40,443.00 | 7,341.00 | 8,927.00 | 11,735.00 |
| 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 | 12,538,144.00 | 12,156,176.00 | 10,817,614.00 | 11,011,838.00 | 9,996,590.00 |
| 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 | 162,942.00 | 386,651.00 | 585,012.00 | 97,795.00 | 168,386.00 |
| 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 | 16,838,948.00 | 2,851,382.00 | 2,347,108.00 | 2,500,906.00 | 2,375,236.00 |
| Shareholders Equity | 4,578,423.00 | 4,277,073.00 | 3,520,662.00 | 3,751,359.00 | 3,562,854.00 |
| Capital Stock | 540.00 | 540.00 | 497.00 | 497.00 | 497.00 |
| Share Premium | 742,810.00 | 740,943.00 | 577,853.00 | 576,976.00 | 578,082.00 |
| Retained Earnings | 1,100,209.00 | 1,021,831.00 | 958,433.00 | 856,203.00 | 746,756.00 |
| Treasury Shares | 175,320.00 | 176,689.00 | 173,195.00 | 159,879.00 | 140,434.00 |
| Accumulated Other Comprehensive Income | -142,098.00 | -160,934.00 | -190,034.00 | -23,344.00 | 417.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 88,190,378.00 | 84,789,147.00 | 77,893,368.00 | 73,032,681.00 | 1,350,442.00 |
| Debt | 548,281.00 | 994,242.00 | 1,465,074.00 | 493,766.00 | 634,072.00 |
| Net Debt | 264,225.00 | 647,541.00 | 1,150,873.00 | 0 | 0 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 165,710.00 | 144,742.00 | 150,665.00 | 151,011.00 | 140,921.00 |
| Cost Of Revenue | 58,821.00 | 75,822.00 | 17,147.00 | 16,514.00 | 51,134.00 |
| Interest Income | 619,480.00 | 533,131.00 | 388,775.00 | 342,285.00 | 351,812.00 |
| Interest Expense | 211,548.00 | 144,570.00 | 21,880.00 | 18,788.00 | 32,604.00 |
| Net Interest | 800,600.00 | 378,646.00 | 362,703.00 | 321,686.00 | 316,618.00 |
| Non-Interest Income | 176,824.00 | 142,178.00 | 155,578.00 | 157,794.00 | 146,276.00 |
| Non-Interest Expense | 377,881.00 | 341,664.00 | 304,465.00 | 287,281.00 | 277,733.00 |
| Provisions for Credit Losses | 58,821.00 | 75,822.00 | 17,147.00 | -16,514.00 | 51,134.00 |
| Gross Profit | 106,889.00 | 68,920.00 | 133,518.00 | 134,497.00 | 89,787.00 |
| Selling, General and Administrative Expenses | 200,982.00 | 94,143.00 | 87,766.00 | 63,744.00 | 61,669.00 |
| EBT | 440,523.00 | 254,505.00 | 303,146.00 | 310,562.00 | 202,754.00 |
| Income Tax | 72,515.00 | 27,762.00 | 40,822.00 | 42,230.00 | 25,405.00 |
| Net Income | 140,641.00 | 118,782.00 | 151,995.00 | 154,885.00 | 104,388.00 |
| EBIT | 652,071.00 | 399,075.00 | 325,026.00 | 329,350.00 | 235,358.00 |
| Deprecation and Amortization | 33,774.00 | 19,889.00 | 16,183.00 | 15,161.00 | 10,537.00 |
| EBITDA | 685,845.00 | 418,964.00 | 341,209.00 | 344,511.00 | 245,895.00 |
| 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 | 47,165.00 | 44,528.00 | 42,917.00 | 43,421.00 | 43,693.00 |
| Average Shares Outstanding Diluted | 47,433.00 | 44,770.00 | 43,181.00 | 43,719.00 | 43,989.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 276,100.00 | 262,766.00 | 290,399.00 | 268,173.00 | 217,658.00 |
| Operating Net Income | 564,992.00 | 365,733.00 | 456,923.00 | 466,133.00 | 315,087.00 |
| Deprecation and Amortization | 33,774.00 | 19,889.00 | 16,183.00 | 15,161.00 | 10,537.00 |
| Deferred Income Tax | 8,729.00 | 5,958.00 | -19,850.00 | 864.00 | -17,427.00 |
| Share Based Compensation | 17,984.00 | 15,304.00 | 13,560.00 | 13,228.00 | 13,762.00 |
| Change in Working Capital | 3,250.00 | 32,837.00 | 16,294.00 | 19,794.00 | 53,465.00 |
| Other Operating Activities | -352,629.00 | -176,955.00 | -192,711.00 | -247,007.00 | -157,766.00 |
| Investing Cash Flow | -399,160.00 | -40,684.00 | -926,216.00 | -545,058.00 | -797,725.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 11,742.00 | 9,254.00 | 7,009.00 | 7,740.00 | 8,157.00 |
| Net Purchase/Sale of Investments Net | 690,786.00 | 430,274.00 | 1,021,304.00 | 1,653,273.00 | 1,502,538.00 |
| Net Purchase/Sale of Business | 1,383.00 | -48,106.00 | 2,616.00 | 0 | 3,899.00 |
| Net Loan & Lease Activity | 337,661.00 | 338,111.00 | 659,949.00 | 9,305.00 | 378,765.00 |
| Other Investing Activities | -1,440,732.00 | -770,217.00 | -2,617,094.00 | -2,215,376.00 | -2,691,084.00 |
| Financing Cash Flow | 225,014.00 | -168,008.00 | -396,957.00 | 912,542.00 | 1,064,433.00 |
| Net Issuance/Repayment of Debt | -223,557.00 | -206,625.00 | 499,435.00 | -45,491.00 | -261,775.00 |
| Net Issuance/Repurchase of Equity | 251.00 | 4,944.00 | 14,713.00 | 21,714.00 | 7,980.00 |
| Dividends Paid | 62,263.00 | 55,886.00 | 49,765.00 | 47,738.00 | 47,207.00 |
| Other Financing Activities | 386,057.00 | -22,213.00 | -960,870.00 | 888,581.00 | 1,271,021.00 |
| Net Change in Cash | 101,954.00 | 54,074.00 | -1,032,774.00 | 635,657.00 | 484,366.00 |
| Cash at Beginning of Period | 182,102.00 | 151,115.00 | 1,230,124.00 | 633,414.00 | 0 |
| Cash at End of Period | 284,056.00 | 205,189.00 | 197,350.00 | 1,269,071.00 | 0 |
| 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 | 16,112,584.00 | 16,014,781.00 | 13,864,251.00 | 29,377,092.00 | 13,839,552.00 | 13,501,909.00 | 13,439,199.00 | 15,007,558.00 | 13,827,628.00 | 11,890,497.00 | 11,839,730.00 | 13,164,722.00 | 11,640,742.00 | 11,720,459.00 | 12,147,833.00 | 13,512,744.00 | 11,994,411.00 | 11,574,947.00 | 11,537,253.00 | 12,371,826.00 |
| Deposits | 19,124,139.00 | 19,033,245.00 | 16,558,650.00 | 16,435,334.00 | 16,497,620.00 | 16,010,084.00 | 15,923,214.00 | 15,707,532.00 | 16,461,960.00 | 13,835,278.00 | 13,894,860.00 | 13,547,029.00 | 14,078,766.00 | 14,212,371.00 | 14,700,868.00 | 14,425,497.00 | 14,495,613.00 | 13,936,991.00 | 13,915,925.00 | 12,956,294.00 |
| Cash and Short-Term Investments | 640,242.00 | 541,563.00 | 254,083.00 | 284,056.00 | 482,459.00 | 327,781.00 | 437,502.00 | 346,701.00 | 779,454.00 | 303,567.00 | 328,216.00 | 314,201.00 | 412,342.00 | 613,538.00 | 1,191,842.00 | 1,397,343.00 | 1,445,145.00 | 1,165,361.00 | 1,251,766.00 | 790,003.00 |
| Cash and Cash Equivalents | 640,242.00 | 541,563.00 | 254,083.00 | 284,056.00 | 482,459.00 | 207,520.00 | 319,092.00 | 205,189.00 | 672,654.00 | 201,888.00 | 229,795.00 | 197,350.00 | 321,058.00 | 523,616.00 | 1,094,180.00 | 1,269,071.00 | 1,346,106.00 | 1,066,943.00 | 1,155,025.00 | 672,681.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 120,261.00 | 118,410.00 | 141,512.00 | 106,800.00 | 101,679.00 | 98,421.00 | 116,851.00 | 91,284.00 | 89,922.00 | 97,662.00 | 128,272.00 | 99,039.00 | 98,418.00 | 96,741.00 | 117,322.00 |
| Net Receivables | 105,773,595.00 | 106,056,179.00 | 91,039,873.00 | 86,985,824.00 | 90,280,097.00 | 89,732,952.00 | 88,063,098.00 | 84,136,566.00 | 79,604,074.00 | 69,205,660.00 | 68,300,968.00 | 75,030,180.00 | 64,989,772.00 | 63,929,524.00 | 62,812,620.00 | 68,910,212.00 | 62,143,326.00 | 61,748,954.00 | 217,695.00 | 341,119.00 |
| 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 | 98,669.00 | 95,793.00 | 81,598.00 | 108,440.00 | 80,133.00 | 78,713.00 | 80,239.00 | 107,375.00 | 82,837.00 | 66,799.00 | 67,868.00 | 92,947.00 | 69,338.00 | 69,426.00 | 71,030.00 | 95,393.00 | 71,928.00 | 72,482.00 | 72,705.00 | 100,606.00 |
| Goodwill | 454,072.00 | 454,072.00 | 362,663.00 | 726,226.00 | 362,210.00 | 361,851.00 | 361,851.00 | 362,751.00 | 360,171.00 | 281,204.00 | 281,204.00 | 281,204.00 | 281,204.00 | 281,112.00 | 280,541.00 | 280,541.00 | 280,541.00 | 280,541.00 | 280,541.00 | 280,541.00 |
| Intangible Assets | 61,018.00 | 64,447.00 | 34,249.00 | 109,080.00 | 35,843.00 | 36,835.00 | 38,968.00 | 40,443.00 | 42,574.00 | 6,497.00 | 6,955.00 | 7,341.00 | 7,879.00 | 8,147.00 | 8,291.00 | 8,927.00 | 9,578.00 | 10,241.00 | 10,923.00 | 11,735.00 |
| 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 | 14,259,438.00 | 14,209,615.00 | 12,298,476.00 | 12,538,144.00 | 12,317,572.00 | 12,039,954.00 | 11,997,784.00 | 12,156,176.00 | 12,464,807.00 | 10,680,004.00 | 10,628,071.00 | 10,817,614.00 | 10,484,196.00 | 10,531,903.00 | 10,945,583.00 | 11,011,838.00 | 10,752,954.00 | 10,349,891.00 | 10,346,272.00 | 9,996,590.00 |
| 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 | 138,729.00 | 112,970.00 | 85,597.00 | 162,942.00 | 204,959.00 | 224,703.00 | 267,134.00 | 386,651.00 | 490,180.00 | 652,413.00 | 475,226.00 | 585,012.00 | 74,554.00 | 62,545.00 | 65,022.00 | 97,795.00 | 99,715.00 | 90,598.00 | 95,339.00 | 168,386.00 |
| 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 | 1,853,146.00 | 1,805,166.00 | 1,565,775.00 | 16,838,948.00 | 1,521,980.00 | 1,461,955.00 | 1,441,415.00 | 2,851,382.00 | 1,362,821.00 | 1,210,493.00 | 1,211,659.00 | 2,347,108.00 | 1,156,546.00 | 1,188,556.00 | 1,202,250.00 | 2,500,906.00 | 1,241,457.00 | 1,225,056.00 | 1,190,981.00 | 2,375,236.00 |
| Shareholders Equity | 1,853,146.00 | 1,805,166.00 | 1,565,775.00 | 4,578,423.00 | 1,521,980.00 | 1,461,955.00 | 1,441,415.00 | 4,277,073.00 | 1,362,821.00 | 1,210,493.00 | 1,211,659.00 | 3,520,662.00 | 1,156,546.00 | 1,188,556.00 | 1,202,250.00 | 3,751,359.00 | 1,241,457.00 | 1,225,056.00 | 1,190,981.00 | 3,562,854.00 |
| Capital Stock | 591.00 | 591.00 | 540.00 | 540.00 | 540.00 | 540.00 | 540.00 | 540.00 | 540.00 | 497.00 | 497.00 | 497.00 | 497.00 | 497.00 | 497.00 | 497.00 | 497.00 | 497.00 | 497.00 | 497.00 |
| Share Premium | 964,116.00 | 962,868.00 | 740,865.00 | 742,810.00 | 742,524.00 | 741,933.00 | 740,792.00 | 740,943.00 | 740,577.00 | 578,322.00 | 577,952.00 | 577,853.00 | 577,899.00 | 577,345.00 | 577,374.00 | 576,976.00 | 577,222.00 | 576,732.00 | 578,597.00 | 578,082.00 |
| Retained Earnings | 1,160,656.00 | 1,125,589.00 | 1,120,887.00 | 1,100,209.00 | 1,080,245.00 | 1,058,187.00 | 1,040,563.00 | 1,021,831.00 | 1,006,459.00 | 996,920.00 | 979,722.00 | 958,433.00 | 935,170.00 | 909,029.00 | 883,246.00 | 856,203.00 | 831,017.00 | 805,722.00 | 777,170.00 | 746,756.00 |
| Treasury Shares | 173,337.00 | 174,394.00 | 174,704.00 | 175,320.00 | 175,593.00 | 175,786.00 | 175,988.00 | 176,689.00 | 177,176.00 | 175,146.00 | 172,594.00 | 173,195.00 | 173,481.00 | 173,534.00 | 167,492.00 | 159,879.00 | 152,787.00 | 148,603.00 | 148,584.00 | 140,434.00 |
| Accumulated Other Comprehensive Income | -98,880.00 | -109,488.00 | -121,813.00 | -142,098.00 | -125,736.00 | -162,919.00 | -164,492.00 | -160,934.00 | -207,579.00 | -190,100.00 | -173,918.00 | -190,034.00 | -183,539.00 | -124,781.00 | -91,375.00 | -23,344.00 | -14,492.00 | -9,292.00 | -16,699.00 | 417.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 106,604,494.00 | 106,420,969.00 | 92,964,517.00 | 88,190,378.00 | 91,140,788.00 | 90,268,554.00 | 88,665,983.00 | 84,789,147.00 | 79,918,128.00 | 71,192,923.00 | 70,820,307.00 | 77,893,368.00 | 68,272,260.00 | 67,732,097.00 | 66,931,585.00 | 73,032,681.00 | 65,398,985.00 | 64,676,741.00 | 1,282,739.00 | 1,350,442.00 |
| Debt | 413,325.00 | 479,504.00 | 393,969.00 | 548,281.00 | 631,943.00 | 671,064.00 | 755,565.00 | 994,242.00 | 710,769.00 | 850,754.00 | 673,458.00 | 1,465,074.00 | 274,567.00 | 262,449.00 | 264,817.00 | 493,766.00 | 299,291.00 | 290,065.00 | 294,697.00 | 634,072.00 |
| Net Debt | 0 | 0 | 139,886.00 | 264,225.00 | 149,484.00 | 343,283.00 | 318,063.00 | 647,541.00 | 0 | 547,187.00 | 345,242.00 | 1,150,873.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 0 | 0 | 0 | 165,710.00 | 0 | 0 | 0 | 144,742.00 | 0 | 0 | 0 | 150,665.00 | 0 | 0 | 0 | 151,011.00 | 0 | 0 | 0 |
| Cost Of Revenue | 85,467.00 | 76,167.00 | 22,662.00 | 21,366.00 | 17,398.00 | 14,478.00 | 5,579.00 | -18,894.00 | 60,444.00 | 22,545.00 | 11,727.00 | 2,095.00 | 9,470.00 | 4,986.00 | 596.00 | -25,014.00 | 22,708.00 | 16,024.00 | 2,796.00 |
| Interest Income | 530,318.00 | 335,343.00 | 155,580.00 | -287,383.00 | 458,087.00 | 300,475.00 | 148,301.00 | -194,204.00 | 375,908.00 | 236,593.00 | 114,834.00 | -151,896.00 | 278,294.00 | 177,651.00 | 84,726.00 | -163,127.00 | 251,775.00 | 169,036.00 | 84,601.00 |
| Interest Expense | 156,342.00 | 100,538.00 | 47,181.00 | -105,486.00 | 159,916.00 | 105,355.00 | 51,763.00 | -18,015.00 | 92,829.00 | 50,630.00 | 19,126.00 | -2,211.00 | 12,487.00 | 7,751.00 | 3,853.00 | -11,250.00 | 14,662.00 | 10,121.00 | 5,255.00 |
| Net Interest | 732,425.00 | 463,031.00 | 214,521.00 | 218,504.00 | 294,291.00 | 192,535.00 | 95,270.00 | -180,282.00 | 279,374.00 | 184,374.00 | 95,180.00 | -148,787.00 | 262,804.00 | 168,201.00 | 80,485.00 | -152,433.00 | 236,362.00 | 158,539.00 | 79,218.00 |
| Non-Interest Income | 145,789.00 | 94,384.00 | 47,452.00 | -91,590.00 | 134,398.00 | 88,624.00 | 45,392.00 | -56,375.00 | 103,690.00 | 63,454.00 | 31,409.00 | -92,883.00 | 121,487.00 | 84,315.00 | 42,659.00 | -72,281.00 | 116,683.00 | 76,354.00 | 37,038.00 |
| Non-Interest Expense | 333,653.00 | 222,510.00 | 99,900.00 | -172,359.00 | 277,106.00 | 181,361.00 | 91,773.00 | -144,687.00 | 248,913.00 | 158,116.00 | 79,322.00 | -140,896.00 | 224,956.00 | 148,262.00 | 72,143.00 | -132,090.00 | 212,176.00 | 139,307.00 | 67,888.00 |
| Provisions for Credit Losses | 85,467.00 | 76,167.00 | 22,662.00 | 21,366.00 | 17,398.00 | 14,478.00 | 5,579.00 | -18,894.00 | 60,444.00 | 22,545.00 | 11,727.00 | 2,095.00 | 9,470.00 | 4,986.00 | 596.00 | 25,014.00 | -22,708.00 | -16,024.00 | -2,796.00 |
| Gross Profit | 0 | 0 | 0 | 106,889.00 | 0 | 0 | 0 | 68,920.00 | 0 | 0 | 0 | 133,518.00 | 0 | 0 | 0 | 134,497.00 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 168,170.00 | 110,010.00 | 54,594.00 | 51,512.00 | 74,552.00 | 49,540.00 | 25,378.00 | -42,362.00 | 68,553.00 | 45,270.00 | 22,682.00 | -41,970.00 | 64,732.00 | 43,310.00 | 21,694.00 | -31,076.00 | 46,703.00 | 31,974.00 | 16,143.00 |
| EBT | 149,753.00 | 77,928.00 | 47,221.00 | 178,265.00 | 133,911.00 | 85,133.00 | 43,214.00 | 15,612.00 | 113,675.00 | 81,974.00 | 43,244.00 | 4,406.00 | 149,472.00 | 99,000.00 | 50,268.00 | 4,501.00 | 151,768.00 | 103,292.00 | 51,001.00 |
| Income Tax | 71,774.00 | 37,152.00 | 20,852.00 | 16,577.00 | 28,613.00 | 18,071.00 | 9,254.00 | -18,290.00 | 22,407.00 | 15,500.00 | 8,145.00 | -25,537.00 | 33,360.00 | 21,939.00 | 11,060.00 | -25,545.00 | 33,830.00 | 22,911.00 | 11,034.00 |
| Net Income | 113,726.00 | 59,255.00 | 36,745.00 | -64,357.00 | 104,636.00 | 66,539.00 | 33,823.00 | -66,942.00 | 88,336.00 | 63,730.00 | 33,658.00 | -79,906.00 | 115,874.00 | 76,901.00 | 39,126.00 | -82,678.00 | 117,575.00 | 80,142.00 | 39,846.00 |
| EBIT | 306,095.00 | 178,466.00 | 94,402.00 | 72,779.00 | 293,827.00 | 190,488.00 | 94,977.00 | -2,403.00 | 206,504.00 | 132,604.00 | 62,370.00 | 2,195.00 | 161,959.00 | 106,751.00 | 54,121.00 | -6,749.00 | 166,430.00 | 113,413.00 | 56,256.00 |
| Deprecation and Amortization | 31,856.00 | 19,670.00 | 8,585.00 | -3,566.00 | 18,661.00 | 12,446.00 | 6,233.00 | -5,591.00 | 13,383.00 | 8,025.00 | 4,072.00 | -6,682.00 | 11,559.00 | 7,598.00 | 3,708.00 | -418.00 | 10,437.00 | 3,366.00 | 1,776.00 |
| EBITDA | 337,951.00 | 198,136.00 | 102,987.00 | 69,213.00 | 312,488.00 | 202,934.00 | 101,210.00 | -7,994.00 | 219,887.00 | 140,629.00 | 66,442.00 | -4,487.00 | 173,518.00 | 114,349.00 | 57,829.00 | -7,167.00 | 176,867.00 | 116,779.00 | 58,032.00 |
| 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 | 52,426.00 | 50,575.00 | 47,244.00 | 47,182.00 | 47,172.00 | 47,158.00 | 47,148.00 | 47,150.00 | 45,163.00 | 42,905.00 | 42,894.00 | 42,595.00 | 42,940.00 | 42,992.00 | 43,141.00 | 43,144.00 | 43,464.00 | 43,517.00 | 43,559.00 |
| Average Shares Outstanding Diluted | 52,426.00 | 50,575.00 | 47,244.00 | 48,254.00 | 47,172.00 | 47,158.00 | 47,148.00 | 48,118.00 | 45,163.00 | 42,905.00 | 42,894.00 | 43,651.00 | 42,940.00 | 42,992.00 | 43,141.00 | 44,336.00 | 43,464.00 | 43,517.00 | 43,559.00 |
| 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 | 169,071.00 | 88,482.00 | 42,005.00 | 12,697.00 | 139,395.00 | 87,263.00 | 36,745.00 | 51,944.00 | 121,804.00 | 67,171.00 | 21,847.00 | -1,006.00 | 153,521.00 | 102,740.00 | 35,144.00 | -5,066.00 | 135,250.00 | 95,687.00 | 42,302.00 |
| Operating Net Income | 342,017.00 | 178,347.00 | 110,534.00 | 151,032.00 | 211,258.00 | 134,645.00 | 68,057.00 | -27,056.00 | 185,464.00 | 135,687.00 | 71,638.00 | -8,312.00 | 232,460.00 | 154,282.00 | 78,493.00 | -11,168.00 | 236,238.00 | 161,003.00 | 80,060.00 |
| Deprecation and Amortization | 31,856.00 | 19,670.00 | 8,585.00 | -3,566.00 | 18,661.00 | 12,446.00 | 6,233.00 | -5,591.00 | 13,383.00 | 8,025.00 | 4,072.00 | -6,682.00 | 11,559.00 | 7,598.00 | 3,708.00 | -418.00 | 10,437.00 | 3,366.00 | 1,776.00 |
| Deferred Income Tax | 0 | 0 | 0 | 8,729.00 | 0 | 0 | 0 | 5,958.00 | 0 | 0 | 0 | -19,850.00 | 0 | 0 | 0 | 864.00 | 0 | 0 | 0 |
| Share Based Compensation | 4,634.00 | 3,047.00 | 2,174.00 | 6,354.00 | 5,155.00 | 4,191.00 | 2,284.00 | 5,390.00 | 4,137.00 | 3,312.00 | 2,465.00 | 3,860.00 | 3,949.00 | 3,279.00 | 2,472.00 | 3,485.00 | 3,819.00 | 3,256.00 | 2,668.00 |
| Change in Working Capital | -797.00 | 14,952.00 | 3,886.00 | -14,018.00 | 1,688.00 | 7,261.00 | 8,319.00 | -27,406.00 | 10,054.00 | 23,417.00 | 26,772.00 | 23,239.00 | -10,470.00 | -8,127.00 | 11,652.00 | 40,138.00 | -10,951.00 | -11,339.00 | 1,946.00 |
| Other Operating Activities | -208,639.00 | -127,534.00 | -83,174.00 | -135,834.00 | -97,367.00 | -71,280.00 | -48,148.00 | 100,649.00 | -91,234.00 | -103,270.00 | -83,100.00 | 6,739.00 | -83,977.00 | -54,292.00 | -61,181.00 | -37,967.00 | -104,293.00 | -60,599.00 | -44,148.00 |
| Investing Cash Flow | 204,914.00 | 218,735.00 | -113,163.00 | 59,094.00 | -251,568.00 | -193,558.00 | -13,128.00 | 286,232.00 | -92,398.00 | -158,958.00 | -75,560.00 | 712,126.00 | -698,936.00 | -556,459.00 | -382,947.00 | 326,283.00 | -430,005.00 | -266,980.00 | -174,356.00 |
| 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 | 12,271.00 | 6,031.00 | 3,701.00 | -2,598.00 | 8,111.00 | 3,804.00 | 2,425.00 | -1,347.00 | 6,333.00 | 2,876.00 | 1,392.00 | -1,319.00 | 4,749.00 | 2,267.00 | 1,312.00 | -1,306.00 | 5,007.00 | 3,138.00 | 901.00 |
| Net Purchase/Sale of Investments Net | 969,673.00 | 673,951.00 | 219,230.00 | -87,384.00 | 432,601.00 | 268,853.00 | 76,716.00 | -159,704.00 | 375,100.00 | 160,831.00 | 54,047.00 | -1,116,527.00 | 946,575.00 | 759,204.00 | 432,052.00 | -807,930.00 | 1,235,761.00 | 862,790.00 | 362,652.00 |
| Net Purchase/Sale of Business | -37,944.00 | -38,597.00 | 1,550.00 | -1,086.00 | 983.00 | 743.00 | 743.00 | -5,884.00 | -44,564.00 | 2,213.00 | 129.00 | -395.00 | 2,534.00 | 477.00 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 337,661.00 | 338,111.00 | 659,949.00 | 9,305.00 | 378,765.00 | ||||||||||||||
| Other Investing Activities | -714,351.00 | -423,133.00 | -353,973.00 | 336,114.00 | -962,217.00 | -679,309.00 | -135,320.00 | 798,100.00 | -778,435.00 | -540,512.00 | -249,370.00 | 2,017,603.00 | -2,063,599.00 | -1,600,824.00 | -970,274.00 | 1,358,606.00 | -1,744,117.00 | -1,155,178.00 | -674,687.00 |
| Financing Cash Flow | -17,799.00 | -49,710.00 | 41,185.00 | -363,341.00 | 389,443.00 | 108,626.00 | 90,286.00 | -796,389.00 | 445,898.00 | 96,325.00 | 86,158.00 | 124,465.00 | -402,598.00 | -291,736.00 | 172,912.00 | -1,235,591.00 | 968,180.00 | 565,555.00 | 614,398.00 |
| Net Issuance/Repayment of Debt | -42,095.00 | -67,894.00 | -52,306.00 | 239,374.00 | -181,578.00 | -161,873.00 | -119,480.00 | -111,182.00 | -103,134.00 | 92,452.00 | -84,761.00 | 569,354.00 | -12,568.00 | -24,602.00 | -32,749.00 | 98,860.00 | -43,594.00 | -52,736.00 | -48,021.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | -314.00 | 251.00 | 251.00 | 63.00 | -2,778.00 | 4,944.00 | 2,778.00 | 0 | -22,865.00 | 14,713.00 | 14,713.00 | 8,152.00 | -11,260.00 | 14,083.00 | 9,871.00 | 9,020.00 |
| Dividends Paid | 53,279.00 | 33,875.00 | 16,067.00 | -29,233.00 | 46,222.00 | 30,183.00 | 15,091.00 | -23,542.00 | 40,812.00 | 25,745.00 | 12,871.00 | -23,300.00 | 36,907.00 | 24,075.00 | 12,083.00 | -23,084.00 | 35,614.00 | 23,476.00 | 11,732.00 |
| Other Financing Activities | -28,983.00 | -15,691.00 | 77,424.00 | -573,168.00 | 524,548.00 | 240,065.00 | 194,612.00 | -658,887.00 | 503,276.00 | -24,650.00 | 158,048.00 | -398,724.00 | -441,650.00 | -305,922.00 | 185,426.00 | -1,300,107.00 | 962,077.00 | 584,944.00 | 641,667.00 |
| Net Change in Cash | 356,186.00 | 257,507.00 | -29,973.00 | -291,550.00 | 277,270.00 | 2,331.00 | 113,903.00 | -458,213.00 | 475,304.00 | 4,538.00 | 32,445.00 | 835,585.00 | -948,013.00 | -745,455.00 | -174,891.00 | -914,374.00 | 673,425.00 | 394,262.00 | 482,344.00 |
| Cash at Beginning of Period | 284,056.00 | 284,056.00 | 284,056.00 | 575,606.00 | 205,189.00 | 205,189.00 | 205,189.00 | 663,402.00 | 197,350.00 | 197,350.00 | 197,350.00 | -638,235.00 | 1,269,071.00 | 1,269,071.00 | 1,269,071.00 | 2,183,445.00 | 0 | 0 | 0 |
| Cash at End of Period | 640,242.00 | 541,563.00 | 254,083.00 | 284,056.00 | 482,459.00 | 207,520.00 | 319,092.00 | 205,189.00 | 672,654.00 | 201,888.00 | 229,795.00 | 197,350.00 | 321,058.00 | 523,616.00 | 1,094,180.00 | 1,269,071.00 | 0 | 0 | 0 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |