NRIM

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 2.90 3.16 2.56 1.79 1.64
Price to Sales 24.56 20.74 21.27 10.35 9.87
Book Value Per Common Share 143.95 124.73 110.29 118.05 106.34
Price to Book 0.14 0.11 0.12 0.09 0.08
Price to Operating Cash Flow -12.60 2.17 1.03 0.61 -1.40
Price to Free Cash Flow
Enterprise Value to EBITDA 4183.85 5228.10 6471.82 4552.21 4001.89
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 9.18 5.14 7.60 3.76 4.60 8.47 2.97 5.34 13.88 2.72 4.91 8.93 2.25 3.24 5.42
Price to Sales 138.40 57.80 94.06 30.44 39.20 75.75 19.13 29.39 73.95 22.09 33.98 80.45 26.42 21.79 47.21
Book Value Per Common Share 14.29 52.55 50.67 143.95 47.27 44.93 43.52 124.73 40.60 39.45 39.56 110.29 37.09 37.90 38.40 118.05 39.25 38.22 37.29 106.34
Price to Book 1.52 0.44 0.36 0.14 0.38 0.32 0.29 0.11 0.24 0.25 0.30 0.12 0.28 0.27 0.28 0.09 0.27 0.28 0.29 0.08
Price to Operating Cash Flow 4.56 10.62 6.11 -2.21 -1.80 -12.52 -5.02 -2.47 15.44 1.47 3.84 3.26 0.88 0.97 1.48
Price to Free Cash Flow
Enterprise Value to EBITDA 28678.08 12940.57 20533.60 14864.60 18492.56 33621.48 12254.76 21402.47 58183.79 17760.38 31263.82 60616.95 14985.62 21697.58 37945.20

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 48.34 -15.01 -12.19 17.18
Revenue YoY 13.05 4.46 -43.03 18.69
EBITDA YoY 70.41 25.53 -16.24 8.20
Net Profit YoY 32.57 -11.86 -15.67 14.08
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 -48.02 88.38 51.12 110.07 81.52 116.47 86.34 68.03 43.33 68.37
Revenue YoY 55.19 107.36 59.15 120.50 53.96 108.59 57.31 115.30 -18.05 117.64
EBITDA YoY 67.71 102.15 -61.42 53.72 107.56 -69.94 73.95 124.17 -80.20 81.69 73.09 -79.58 43.26 75.83
Net Profit YoY 107.82 88.40 51.25 110.01 60.37 70.94 84.23 66.36 43.25 68.51

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 22.49 37.60 58.03 114.03 28.22
Quick Ratio
Current Ratio
Debt to Equity 0.78 0.79 0.76 0.74 0.75
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 11.89 35.10 21.29 22.43 32.84 23.40 29.31 38.20 31.06 17.73 35.54 58.68 81.83 67.01 97.81 117.17 87.57 65.09 41.87 28.69
Quick Ratio
Current Ratio
Debt to Equity 9.49 10.18 10.23 0.78 10.40 10.41 10.53 0.79 11.39 10.92 0.80 0.76 0.81 0.80 0.79 0.74 0.78 0.78 0.76 0.75
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.58 0.48 0.55 0.64 0.73
ROE 1.03 0.85 0.97 1.11 1.28
Gross Margin 3479.87 0.52 50.07 -26.34 55.51
Operating Margin 5811.48 3831.41 3180.71 2167.19 2366.31
EBITDA Margin 5885.73 3904.63 3249.26 2210.09 2424.40
Net Profit Margin 846.79 722.09 855.78 578.16 601.57
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 1.57 0.77 0.42 0.88 0.61 0.30 0.74 0.49 0.14 0.40 0.22 0.13 0.54 0.40 0.25
ROE 16.53 8.65 4.76 10.02 6.97 3.43 9.20 5.84 0.26 0.72 0.40 0.24 0.97 0.72 0.44
Gross Margin 4596.96 4221.01 4367.41 34.99 98.57 83.75 -1.41 6.71 60.35 97.06 81.92 62.69 -141.97 -25.70 -112.57
Operating Margin 4751.77 4389.58 4503.45 1972.93 2041.39 2166.30 1466.67 1290.65 1193.17 1150.42 983.71 1235.07 1667.64 955.99 1189.50
EBITDA Margin 4827.49 4467.04 4582.12 2047.61 2119.88 2252.02 1537.48 1360.77 1266.19 1219.61 1055.92 1313.43 1753.06 1002.82 1241.29
Net Profit Margin 1509.46 1127.17 1240.60 809.32 851.58 894.11 710.73 682.31 832.60 813.29 694.45 898.76 1177.53 673.65 870.07

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 6,361,456.00 5,860,478.00 5,731,160.00 5,879,330.00 4,477,644.00
   Deposits 4,942,008.00 4,638,859.00 4,581,565.00 4,665,298.00 3,474,331.00
      Cash and Short-Term Investments 123,769.00 210,601.00 334,530.00 704,767.00 179,329.00
            Cash and Cash Equivalents 62,736.00 118,530.00 259,350.00 645,827.00 115,965.00
            Short-Term Investments 61,033.00 92,071.00 75,180.00 58,940.00 63,364.00
      Net Receivables 226,034.00 74,492.00 19,994.00 6,987.00 13,922.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 45,212.00 49,785.00 47,689.00 48,165.00 50,542.00
      Real Estate 0 0 0 5,638.00 7,289.00
      Goodwill 50,018.00 15,017.00 15,017.00 15,017.00 15,017.00
      Intangible Assets 950.00 950.00 967.00 992.00 1,029.00
      Long-Term Investments 1,159.00 1,260.00 1,925.00 2,219.00 2,462.00
      Non-Current Deferred Assets 0 0 0 0 0
      Other Non-Current Assets 0 0 0 0 0
Liabilities 2,785,355.00 2,583,545.00 2,466,569.00 2,498,477.00 1,912,696.00
      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 3,576,101.00 3,276,933.00 3,264,591.00 3,380,853.00 2,564,948.00
   Shareholders Equity 794,324.00 687,717.00 628,706.00 710,045.00 664,743.00
      Capital Stock 5,518.00 5,513.00 5,701.00 6,015.00 6,251.00
      Share Premium 9,311.00 9,605.00 17,784.00 31,162.00 41,808.00
      Retained Earnings 259,311.00 236,037.00 224,225.00 204,046.00 173,498.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -7,024.00 -16,437.00 -29,081.00 -3,406.00 18.00
   Minority Interest 0 0 0 0 0
Investments 287,067.00 166,563.00 115,168.00 65,927.00 1,849,769.00
Debt 28,107.00 29,712.00 40,485.00 41,585.00 43,298.00
Common Shares Outstanding 5,518.21 5,513.46 5,700.73 6,014.81 6,251.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 4,366.00 3,862.00 3,697.00 6,489.00 5,467.00
Cost Of Revenue -147,565.00 3,842.00 1,846.00 8,198.00 2,432.00
Interest Income 462,960.00 265,160.00 201,354.00 169,763.00 154,031.00
Interest Expense 124,328.00 60,283.00 11,461.00 8,420.00 13,093.00
Net Interest 339,549.00 103,256.00 95,115.00 80,827.00 70,665.00
Non-Interest Income 126,123.00 26,375.00 34,077.00 104,677.00 126,764.00
Non-Interest Expense 419,748.00 94,181.00 88,852.00 89,196.00 89,114.00
Provisions for Credit Losses 9,879.00 3,842.00 1,846.00 -8,198.00 2,432.00
Gross Profit 151,931.00 20.00 1,851.00 -1,709.00 3,035.00
   Selling, General and Administrative Expenses 86,805.00 25,791.00 23,635.00 22,780.00 20,997.00
EBT 129,401.00 87,686.00 106,130.00 132,209.00 116,273.00
Income Tax 18,488.00 11,504.00 14,098.00 19,658.00 17,609.00
Net Income 36,971.00 27,887.00 31,638.00 37,517.00 32,888.00
EBIT 253,729.00 147,969.00 117,591.00 140,629.00 129,366.00
Deprecation and Amortization 3,242.00 2,828.00 2,534.00 2,784.00 3,176.00
EBITDA 256,971.00 150,797.00 120,125.00 143,413.00 132,542.00
EPS 0.01 0.00 0.01 0.01 0.01
Diluted EPS 0.01 0.00 0.01 0.01 0.01
Average Shares Outstanding Basic 5,502.80 5,601.47 5,765.09 6,180.80 6,354.69
Average Shares Outstanding Diluted 5,583.98 5,661.46 5,829.41 6,249.31 6,431.37
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow -8,508.00 36,864.00 76,725.00 109,755.00 -38,644.00
   Operating Net Income 152,108.00 101,576.00 122,964.00 150,068.00 131,552.00
   Deprecation and Amortization 3,242.00 2,828.00 2,534.00 2,784.00 3,176.00
   Deferred Income Tax -152.00 580.00 2,110.00 -1,298.00 555.00
   Share Based Compensation 2,738.00 2,810.00 2,226.00 3,219.00 2,829.00
   Change in Working Capital 8,590.00 4,522.00 -10,488.00 -22,471.00 30,545.00
   Other Operating Activities -175,034.00 -75,452.00 -42,621.00 -22,547.00 -207,301.00
Investing Cash Flow -198,773.00 -242,740.00 -384,748.00 -126,672.00 -362,451.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 620.00 6,316.00 3,847.00 2,508.00 3,265.00
   Net Purchase/Sale of Investments Net 288,889.00 114,101.00 346,903.00 471,562.00 362,598.00
   Net Purchase/Sale of Business 40,658.00 0 0 0 0
   Net Loan & Lease Activity 341,764.00 287,893.00 83,839.00 28,975.00 408,365.00
   Other Investing Activities -870,704.00 -651,050.00 -819,337.00 -629,717.00 -1,136,679.00
Financing Cash Flow 136,819.00 53,228.00 -83,117.00 557,583.00 421,084.00
   Net Issuance/Repayment of Debt 1,425,943.00 389,420.00 413.00 309.00 215,294.00
   Net Issuance/Repurchase of Equity 3,180.00 19,198.00 29,486.00 26,154.00 20,120.00
   Dividends Paid 13,751.00 13,609.00 10,571.00 9,388.00 8,844.00
   Other Financing Activities -1,306,055.00 -368,999.00 -123,587.00 521,732.00 176,826.00
Net Change in Cash -70,462.00 -152,648.00 -391,140.00 540,666.00 19,989.00
   Cash at Beginning of Period 133,198.00 271,178.00 650,490.00 105,161.00 95,976.00
   Cash at End of Period 62,736.00 118,530.00 259,350.00 645,827.00 115,965.00
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 3,312,332.00 3,243,760.00 3,140,960.00 6,361,456.00 2,963,392.00 2,821,668.00 2,759,560.00 5,860,478.00 2,790,189.00 2,638,207.00 5,293,074.00 5,731,160.00 5,594,928.00 5,401,408.00 5,432,820.00 5,879,330.00 5,411,692.00 5,072,034.00 4,908,486.00 4,477,644.00
   Deposits 5,412,645.00 5,227,473.00 5,158,494.00 4,942,008.00 4,815,264.00 4,507,602.00 4,494,595.00 4,638,859.00 4,565,004.00 4,317,129.00 4,337,290.00 4,581,565.00 4,712,800.00 4,500,880.00 4,510,946.00 4,665,298.00 4,418,380.00 4,108,099.00 3,918,042.00 3,474,331.00
      Cash and Short-Term Investments 262,684.00 193,765.00 117,537.00 123,769.00 180,618.00 128,708.00 161,166.00 210,601.00 174,918.00 100,376.00 202,301.00 334,530.00 473,815.00 391,655.00 580,790.00 704,767.00 543,585.00 404,413.00 260,416.00 179,329.00
            Cash and Cash Equivalents 212,692.00 141,283.00 65,523.00 62,736.00 102,876.00 54,422.00 80,364.00 118,530.00 111,228.00 36,752.00 139,211.00 259,350.00 406,921.00 336,923.00 532,808.00 645,827.00 492,279.00 346,885.00 203,590.00 115,965.00
            Short-Term Investments 49,992.00 52,482.00 52,014.00 61,033.00 77,742.00 74,286.00 80,802.00 92,071.00 63,690.00 63,624.00 63,090.00 75,180.00 66,894.00 54,732.00 47,982.00 58,940.00 51,306.00 57,528.00 56,826.00 63,364.00
      Net Receivables 326,459.00 331,294.00 290,467.00 226,034.00 23,564.00 25,722.00 75,579.00 74,492.00 34,578.00 21,866.00 21,190.00 19,994.00 4,785.00 15,277.00 8,552.00 6,987.00 20,118.00 12,500.00 9,851,326.00 13,922.00
      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 44,869.00 43,534.00 44,702.00 45,212.00 47,241.00 48,637.00 49,703.00 49,785.00 50,593.00 49,661.00 47,632.00 47,689.00 47,365.00 46,981.00 47,848.00 48,165.00 48,981.00 49,576.00 50,105.00 50,542.00
      Real Estate 0 0 0 0 0 0 0 0 150.00 273.00 273.00 0 5,638.00 5,638.00 5,638.00 5,638.00 5,912.00 7,073.00 7,563.00 7,289.00
      Goodwill 49,874.00 49,874.00 49,874.00 50,018.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00 15,017.00
      Intangible Assets 950.00 950.00 950.00 950.00 950.00 950.00 950.00 950.00 956.00 960.00 963.00 967.00 973.00 980.00 986.00 992.00 1,002.00 1,011.00 1,020.00 1,029.00
      Long-Term Investments 0 0 0 1,159.00 0 0 0 1,260.00 0 0 0 1,925.00 0 0 0 2,219.00 0 0 0 2,462.00
      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 2,996,669.00 2,953,541.00 2,861,204.00 2,785,355.00 2,703,342.00 2,574,468.00 2,520,233.00 2,583,545.00 2,564,930.00 2,416,871.00 2,355,612.00 2,466,569.00 2,506,815.00 2,395,865.00 2,400,328.00 2,498,477.00 2,367,472.00 2,216,349.00 2,119,791.00 1,912,696.00
      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 0 0 0 0 0 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 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 315,663.00 290,219.00 279,756.00 3,576,101.00 260,050.00 247,200.00 239,327.00 3,276,933.00 225,259.00 221,336.00 2,937,462.00 3,264,591.00 3,088,113.00 3,005,543.00 3,032,492.00 3,380,853.00 3,044,220.00 2,855,685.00 2,788,695.00 2,564,948.00
   Shareholders Equity 315,663.00 290,219.00 279,756.00 794,324.00 260,050.00 247,200.00 239,327.00 687,717.00 225,259.00 221,336.00 224,425.00 628,706.00 210,699.00 215,289.00 225,832.00 710,045.00 242,474.00 237,218.00 231,452.00 664,743.00
      Capital Stock 5,523.00 5,522.00 5,521.00 5,518.00 5,502.00 5,502.00 5,500.00 5,513.00 5,548.00 5,611.00 5,673.00 5,701.00 5,681.00 5,681.00 5,882.00 6,015.00 6,177.00 6,207.00 6,207.00 6,251.00
      Share Premium 10,183.00 9,837.00 9,523.00 9,311.00 9,460.00 9,208.00 9,012.00 9,605.00 12,005.00 14,411.00 16,625.00 17,784.00 17,907.00 17,716.00 25,559.00 31,162.00 38,929.00 39,871.00 39,642.00 41,808.00
      Retained Earnings 300,729.00 277,255.00 269,062.00 259,311.00 251,842.00 246,475.00 240,848.00 236,037.00 232,747.00 227,756.00 225,611.00 224,225.00 218,499.00 211,232.00 208,801.00 204,046.00 198,284.00 191,791.00 185,766.00 173,498.00
      Treasury Shares 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Accumulated Other Comprehensive Income -772.00 -2,395.00 -4,350.00 -7,024.00 -6,754.00 -13,985.00 -16,033.00 -16,437.00 -25,041.00 -26,442.00 -23,484.00 -29,081.00 -31,388.00 -19,340.00 -14,410.00 -3,406.00 -916.00 -651.00 -163.00 18.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 376,451.00 383,776.00 342,481.00 287,067.00 124,870.00 125,730.00 156,381.00 166,563.00 132,846.00 107,356.00 105,470.00 115,168.00 71,679.00 70,009.00 56,534.00 65,927.00 479,097.00 436,847.00 10,138,105.00 1,849,769.00
Debt 16,869.00 17,387.00 17,992.00 28,107.00 17,945.00 18,579.00 19,194.00 29,712.00 19,983.00 20,397.00 29,776.00 40,485.00 30,740.00 30,156.00 30,712.00 41,585.00 31,644.00 31,945.00 32,493.00 43,298.00
Common Shares Outstanding 22,090.67 5,522.27 5,520.89 5,518.21 5,501.94 5,501.56 5,499.58 5,513.46 5,548.44 5,610.84 5,672.84 5,700.73 5,681.09 5,681.09 5,881.71 6,014.81 6,177.30 6,206.91 6,206.91 6,251.00
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
Revenues 3,456.00 2,227.00 1,074.00 -1,791.00 3,218.00 2,022.00 917.00 -1,856.00 2,916.00 1,894.00 908.00 -1,561.00 2,723.00 1,731.00 804.00 -455.00 2,497.00 3,047.00 1,400.00
Cost Of Revenue -155,415.00 -91,775.00 -45,832.00 -149,835.00 2,092.00 29.00 149.00 -1,242.00 2,957.00 1,767.00 360.00 1,153.00 80.00 313.00 300.00 -4,650.00 6,042.00 3,830.00 2,976.00
Interest Income 397,014.00 259,080.00 124,683.00 242,302.00 112,133.00 72,717.00 35,808.00 77,727.00 96,023.00 61,615.00 29,795.00 67,637.00 70,609.00 43,050.00 20,058.00 46,187.00 62,131.00 40,849.00 20,596.00
Interest Expense 96,309.00 64,413.00 30,792.00 65,959.00 29,791.00 19,217.00 9,361.00 24,580.00 19,499.00 11,441.00 4,763.00 6,391.00 2,782.00 1,534.00 754.00 2,139.00 3,014.00 2,164.00 1,103.00
Net Interest 300,705.00 194,667.00 93,891.00 177,260.00 82,342.00 53,500.00 26,447.00 -48,474.00 76,524.00 50,174.00 25,032.00 -33,532.00 67,827.00 41,516.00 19,304.00 -36,468.00 59,117.00 38,685.00 19,493.00
Non-Interest Income 182,757.00 89,040.00 42,600.00 71,850.00 29,008.00 17,421.00 7,844.00 -10,311.00 19,890.00 11,888.00 4,908.00 -22,678.00 27,302.00 18,630.00 10,823.00 16,067.00 42,686.00 30,028.00 15,896.00
Non-Interest Expense 363,836.00 242,636.00 117,324.00 271,718.00 75,560.00 48,832.00 23,638.00 -46,807.00 70,188.00 47,291.00 23,509.00 -43,213.00 66,625.00 44,339.00 21,101.00 -41,991.00 66,197.00 43,663.00 21,327.00
Provisions for Credit Losses 6,849.00 1,701.00 -4,227.00 7,609.00 2,092.00 29.00 149.00 -1,242.00 2,957.00 1,767.00 360.00 1,913.00 -80.00 313.00 -300.00 4,650.00 -6,042.00 -3,830.00 -2,976.00
Gross Profit 158,871.00 94,002.00 46,906.00 148,044.00 1,126.00 1,993.00 768.00 -614.00 -41.00 127.00 548.00 -2,714.00 2,643.00 1,418.00 504.00 4,195.00 -3,545.00 -783.00 -1,576.00
   Selling, General and Administrative Expenses 71,283.00 48,534.00 23,391.00 46,809.00 20,108.00 13,220.00 6,668.00 -12,158.00 19,098.00 12,710.00 6,141.00 -10,840.00 17,516.00 11,528.00 5,431.00 -9,230.00 16,218.00 10,755.00 5,037.00
EBT 67,912.00 33,343.00 17,575.00 63,139.00 33,698.00 22,060.00 10,504.00 45,342.00 23,269.00 13,004.00 6,071.00 52,916.00 28,544.00 15,494.00 9,176.00 51,067.00 38,627.00 26,965.00 15,550.00
Income Tax 15,745.00 8,241.00 4,251.00 3,688.00 7,654.00 4,841.00 2,305.00 3,178.00 4,488.00 2,597.00 1,241.00 2,277.00 6,398.00 3,473.00 1,950.00 626.00 9,224.00 6,439.00 3,369.00
Net Income 52,167.00 25,102.00 13,324.00 -14,491.00 26,044.00 17,219.00 8,199.00 -13,321.00 20,725.00 12,923.00 7,560.00 -9,755.00 22,146.00 12,021.00 7,226.00 -24,593.00 29,403.00 20,526.00 12,181.00
EBIT 164,221.00 97,756.00 48,367.00 129,098.00 63,489.00 41,277.00 19,865.00 69,922.00 42,768.00 24,445.00 10,834.00 59,307.00 31,326.00 17,028.00 9,930.00 53,206.00 41,641.00 29,129.00 16,653.00
Deprecation and Amortization 2,617.00 1,725.00 845.00 -1,534.00 2,403.00 1,587.00 786.00 -1,228.00 2,065.00 1,328.00 663.00 -1,230.00 1,884.00 1,250.00 630.00 -1,501.00 2,133.00 1,427.00 725.00
EBITDA 166,838.00 99,481.00 49,212.00 127,564.00 65,892.00 42,864.00 20,651.00 68,694.00 44,833.00 25,773.00 11,497.00 58,077.00 33,210.00 18,278.00 10,560.00 51,705.00 43,774.00 30,556.00 17,378.00
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 22,085.97 5,520.90 5,520.00 5,510.82 5,500.70 5,500.08 5,499.58 5,421.70 5,630.95 5,661.80 5,691.43 5,487.86 5,790.00 5,844.45 5,938.04 6,082.26 6,207.68 6,213.39 6,219.87
Average Shares Outstanding Diluted 22,466.55 5,611.73 5,608.10 5,644.84 5,574.14 5,562.02 5,554.93 5,480.24 5,688.69 5,719.45 5,757.46 5,569.39 5,848.62 5,902.29 5,997.35 6,165.07 6,274.63 6,280.37 6,277.18
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 104,795.00 12,124.00 16,540.00 85,326.00 -44,245.00 -44,044.00 -5,545.00 66,145.00 -11,111.00 -22,519.00 4,349.00 730.00 40,841.00 15,309.00 19,845.00 -78,575.00 75,297.00 68,450.00 44,583.00
   Operating Net Income 52,167.00 25,102.00 39,972.00 84,248.00 26,044.00 17,219.00 24,597.00 57,898.00 18,781.00 10,407.00 14,490.00 67,119.00 22,146.00 12,021.00 21,678.00 63,596.00 29,403.00 20,526.00 36,543.00
   Deprecation and Amortization 2,617.00 1,725.00 845.00 -1,534.00 2,403.00 1,587.00 786.00 -1,228.00 2,065.00 1,328.00 663.00 -1,230.00 1,884.00 1,250.00 630.00 -1,501.00 2,133.00 1,427.00 725.00
   Deferred Income Tax 0 0 0 -152.00 0 0 0 580.00 0 0 0 2,110.00 0 0 0 -1,298.00 0 0 0
   Share Based Compensation 922.00 559.00 232.00 1,411.00 692.00 427.00 208.00 1,686.00 619.00 365.00 140.00 1,094.00 568.00 377.00 187.00 1,689.00 741.00 509.00 280.00
   Change in Working Capital -16,616.00 -10,080.00 421.00 26,084.00 -5,027.00 -8,513.00 -3,954.00 14,969.00 2,044.00 -5,269.00 -7,222.00 17,738.00 -9,796.00 -9,295.00 -9,135.00 9,689.00 -10,007.00 -11,971.00 -10,182.00
   Other Operating Activities 65,705.00 -5,182.00 -24,930.00 -24,731.00 -68,357.00 -54,764.00 -27,182.00 -7,760.00 -34,620.00 -29,350.00 -3,722.00 -86,101.00 26,039.00 10,956.00 6,485.00 -150,750.00 53,027.00 57,959.00 17,217.00
Investing Cash Flow -160,380.00 -95,469.00 -98,098.00 -99,077.00 -100,692.00 -21,604.00 22,600.00 152,010.00 -210,723.00 -155,329.00 -28,698.00 155,263.00 -275,367.00 -218,820.00 -45,824.00 364,058.00 -159,974.00 -152,030.00 -178,726.00
   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 3,249.00 524.00 208.00 -4,417.00 2,063.00 1,934.00 1,040.00 -3,956.00 5,633.00 3,418.00 1,221.00 -886.00 2,142.00 1,541.00 1,050.00 -2,224.00 2,057.00 1,808.00 867.00
   Net Purchase/Sale of Investments Net 177,836.00 105,124.00 49,818.00 17,203.00 147,498.00 78,156.00 46,032.00 30,371.00 42,781.00 21,664.00 19,285.00 -269,322.00 301,946.00 231,390.00 82,889.00 -354,739.00 397,846.00 267,762.00 160,693.00
   Net Purchase/Sale of Business -144.00 -144.00 -144.00 40,658.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
   Net Loan & Lease Activity 341,764.00 287,893.00 83,839.00 28,975.00 408,365.00
   Other Investing Activities -532,466.00 -313,711.00 -243,990.00 -74,931.00 -515,285.00 -234,736.00 -45,752.00 246,466.00 -477,258.00 -337,424.00 -82,834.00 402,377.00 -590,685.00 -462,867.00 -168,162.00 863,103.00 -569,867.00 -471,521.00 -451,432.00
Financing Cash Flow 205,541.00 161,892.00 84,345.00 61,217.00 129,283.00 1,540.00 -55,221.00 120,056.00 73,712.00 -44,750.00 -95,790.00 113,696.00 -4,380.00 -105,393.00 -87,040.00 -439,676.00 460,991.00 314,500.00 221,768.00
   Net Issuance/Repayment of Debt -10,129.00 39,981.00 -9,909.00 1,395,230.00 321.00 30,286.00 106.00 288,838.00 49,686.00 50,792.00 104.00 -206.00 309.00 206.00 104.00 -108.00 212.00 137.00 68.00
   Net Issuance/Repurchase of Equity 0 -1.00 0 816.00 788.00 788.00 788.00 7,504.00 6,539.00 3,828.00 1,327.00 -4,751.00 14,157.00 14,157.00 5,923.00 18,299.00 3,421.00 2,217.00 2,217.00
   Dividends Paid 10,604.00 7,069.00 3,534.00 -6,433.00 10,120.00 6,709.00 3,355.00 -6,780.00 10,154.00 6,814.00 3,421.00 -4,284.00 7,618.00 4,789.00 2,448.00 -4,464.00 6,946.00 4,613.00 2,293.00
   Other Financing Activities 205,066.00 114,843.00 90,720.00 -1,328,396.00 118,054.00 -36,243.00 -59,470.00 -169,506.00 7,333.00 -106,184.00 -100,642.00 122,937.00 -26,464.00 -124,545.00 -95,515.00 -453,403.00 450,412.00 307,533.00 217,190.00
Net Change in Cash 149,956.00 78,547.00 2,787.00 47,466.00 -15,654.00 -64,108.00 -38,166.00 338,211.00 -148,122.00 -222,598.00 -120,139.00 269,689.00 -238,906.00 -308,904.00 -113,019.00 -154,193.00 376,314.00 230,920.00 87,625.00
   Cash at Beginning of Period 62,736.00 62,736.00 62,736.00 15,270.00 118,530.00 118,530.00 118,530.00 -219,681.00 259,350.00 259,350.00 259,350.00 -10,339.00 645,827.00 645,827.00 645,827.00 800,020.00 115,965.00 115,965.00 115,965.00
   Cash at End of Period 212,692.00 141,283.00 65,523.00 62,736.00 102,876.00 54,422.00 80,364.00 118,530.00 111,228.00 36,752.00 139,211.00 259,350.00 406,921.00 336,923.00 532,808.00 645,827.00 492,279.00 346,885.00 203,590.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0