NU
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 25.18 | 38.30 | -52.18 | -262.01 |
| Price to Sales | 6.00 | 7.01 | 6.41 | 37.76 |
| Book Value Per Common Share | 1.59 | 1.34 | 1.04 | 0.96 |
| Price to Book | 6.53 | 6.20 | 3.91 | 9.74 |
| Price to Operating Cash Flow | 20.70 | 31.18 | 25.19 | -14.79 |
| Price to Free Cash Flow | 22.32 | 36.25 | 29.69 | -14.64 |
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Price to Earnings | 99.01 | 103.94 | 88.50 | 118.39 | |
| Price to Sales | 28.39 | 26.38 | 21.92 | 23.66 | 31.24 |
| Book Value Per Common Share | 2.18 | 1.98 | 1.78 | 1.59 | 1.59 |
| Price to Book | 7.33 | 6.92 | 5.74 | 6.53 | 8.58 |
| Price to Operating Cash Flow | -79.81 | 25.92 | 45.45 | 36.44 | -61.27 |
| Price to Free Cash Flow | -70.68 | 26.65 | 49.18 | 39.17 | -59.30 |
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | 89.20 | |||
| Revenue YoY | 46.83 | 89.56 | 159.45 | |
| EBITDA YoY | ||||
| Net Profit YoY | 91.37 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Earning YoY | 22.50 | 14.09 | 13.26 | ||
| Revenue YoY | 8.74 | 11.53 | 6.64 | 0.65 | |
| EBITDA YoY | |||||
| Net Profit YoY | 22.87 | 14.29 | 0.83 | -0.13 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 5.53 | 5.77 | 5.12 | 3.47 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Cash Per Common Share | |||||
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 5.48 | 5.55 | 5.29 | 5.53 | 5.36 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 3.95 | 2.38 | -1.22 | -0.83 |
| ROE | 25.79 | 16.09 | -7.45 | -3.71 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 23.85 | 18.30 | -12.27 | -14.41 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| ROA | 1.14 | 1.02 | 1.03 | 1.11 | 1.14 |
| ROE | 7.41 | 6.65 | 6.47 | 7.23 | 7.24 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 28.67 | 25.37 | 24.76 | 26.19 | 26.40 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | ||||
| Dividend Payout Ratio |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Dividend Yield | |||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 49,931,214.00 | 43,345,195.00 | 29,934,872.00 | 19,858,681.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 13,637,271.00 | 13,370,862.00 | 6,890,816.00 | 2,528,529.00 |
| Short-Term Investments | 9,512,196.00 | 8,652,545.00 | 9,947,138.00 | 8,163,428.00 |
| Net Receivables | 13,891,509.00 | 14,531,873.00 | 9,000,760.00 | 4,902,734.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 46,223.00 | 69,753.00 | 46,464.00 | 20,535.00 |
| Goodwill | 414,287.00 | 397,538.00 | 397,397.00 | 401,872.00 |
| Intangible Assets | 347,616.00 | 295,881.00 | 182,164.00 | 72,337.00 |
| Long-Term Investments | 11,240,368.00 | 9,257,058.00 | 10,517,274.00 | 8,997,883.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 42,284,138.00 | 36,938,810.00 | 25,044,089.00 | 15,416,140.00 |
| Payables and Expenses | 10,860,443.00 | 11,381,175.00 | 7,779,154.00 | 5,221,265.00 |
| Account Payables | 9,333,541.00 | 9,755,285.00 | 7,054,783.00 | 4,882,159.00 |
| Current Accrued Liabilities | 180,181.00 | 166,876.00 | 90,587.00 | 97,909.00 |
| Short-Term Debt | 222,881.00 | 113,595.00 | 38,329.00 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 355,070.00 | 843,623.00 | 567,592.00 | 164,875.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 7,647,076.00 | 6,406,385.00 | 4,890,783.00 | 4,442,541.00 |
| Shareholders Equity | 7,646,289.00 | 6,406,385.00 | 4,890,783.00 | 4,441,032.00 |
| Capital Stock | 84.00 | 84.00 | 83.00 | 83.00 |
| Share Premium | 5,053,776.00 | 4,972,922.00 | 4,963,774.00 | 4,678,585.00 |
| Retained Earnings | 3,420,596.00 | 1,276,949.00 | 64,577.00 | -128,409.00 |
| Treasury Shares | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -828,167.00 | 156,430.00 | -137,651.00 | -109,227.00 |
| Minority Interest | 787.00 | 0 | 0 | 1,509.00 |
| Debt | 577,951.00 | 957,218.00 | 605,921.00 | 164,875.00 |
| Common Shares Outstanding | 4,818,658.64 | 4,765,937.15 | 4,694,787.85 | 4,609,988.55 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 8,269,605.00 | 5,632,184.00 | 2,971,196.00 | 1,145,204.00 |
| Interest Income | 9,631,043.00 | 6,439,712.00 | 3,555,213.00 | 1,046,746.00 |
| Interest Expense | 2,834,859.00 | 2,036,925.00 | 1,547,903.00 | 367,344.00 |
| Non-Interest Expense | 2,219,700.00 | 1,724,288.00 | 1,809,740.00 | 813,289.00 |
| Selling, General and Administrative Expenses | 1,439,281.00 | 1,137,612.00 | 1,428,331.00 | 659,859.00 |
| Net Non-Operating Income | -8,596.00 | -20,705.00 | -29,865.00 | -4,097.00 |
| EBT | 2,795,198.00 | 1,539,078.00 | -308,901.00 | -170,164.00 |
| Income Tax | 823,086.00 | 508,548.00 | 55,733.00 | -4,830.00 |
| Net Income Including Non-Controlling Interests | 1,972,112.00 | 1,030,530.00 | -364,634.00 | -165,334.00 |
| Net Income Non-Controlling Interests | 0 | 0 | 56.00 | 341.00 |
| Net Income | 1,972,112.00 | 1,030,530.00 | -364,578.00 | -164,993.00 |
| Deprecation and Amortization | 77,128.00 | 62,895.00 | 35,581.00 | 17,339.00 |
| EPS | 0.00 | 0.00 | -0.00 | -0.00 |
| Diluted EPS | 0.00 | 0.00 | -0.00 | -0.00 |
| Average Shares Outstanding Basic | 4,792,081.00 | 4,738,841.00 | 4,676,977.00 | 4,609,988.55 |
| Average Shares Outstanding Diluted | 4,888,918.00 | 4,857,579.00 | 4,676,977.00 | 4,609,988.55 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 2,399,044.00 | 1,266,189.00 | 755,573.00 | -2,924,318.00 |
| Operating Net Income | 1,972,112.00 | 1,030,530.00 | -364,634.00 | -165,334.00 |
| Deprecation and Amortization | 77,128.00 | 62,895.00 | 35,581.00 | 17,339.00 |
| Deferred Income Tax | -713,435.00 | -675,682.00 | -417,612.00 | -224,654.00 |
| Share Based Compensation | 272,382.00 | 212,551.00 | 253,203.00 | 157,324.00 |
| Change in Working Capital | -7,391,281.00 | -4,705,364.00 | -1,850,718.00 | -3,719,979.00 |
| Other Operating Activities | 8,182,138.00 | 5,341,259.00 | 3,099,753.00 | 1,010,986.00 |
| Investing Cash Flow | -330,627.00 | -177,003.00 | -127,152.00 | -154,195.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -5,418.00 | -20,243.00 | -20,001.00 | -6,025.00 |
| Net Purchase/Sale of Investments Net | -150,000.00 | 0 | -2,500.00 | -11,211.00 |
| Net Purchase/Sale of Business | -5,637.00 | 0 | -10,346.00 | -114,486.00 |
| Other Investing Activities | -169,572.00 | -156,760.00 | -94,305.00 | -22,473.00 |
| Financing Cash Flow | 727,741.00 | 425,215.00 | 654,039.00 | 3,335,982.00 |
| Net Issuance/Repayment of Debt | 722,195.00 | 416,067.00 | 405,521.00 | -14,964.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 247,998.00 | 3,386,239.00 |
| Dividends Paid | 0 | 0 | 0 | 0 |
| Other Financing Activities | 0 | 9,148.00 | 520.00 | -35,293.00 |
| Net Change in Cash | 2,796,158.00 | 1,514,401.00 | 1,282,460.00 | 257,469.00 |
| Cash at Beginning of Period | 5,923,440.00 | 4,172,316.00 | 2,705,675.00 | 2,343,780.00 |
| Cash at End of Period | 9,185,742.00 | 5,923,440.00 | 4,172,316.00 | 2,705,675.00 |
| Free Cash Flow | 2,224,054.00 | 1,089,186.00 | 641,267.00 | -2,952,816.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Assets | 68,362,816.00 | 62,730,144.00 | 54,192,525.00 | 49,931,214.00 | 48,637,850.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 17,319,220.00 | 17,153,956.00 | 14,929,561.00 | 13,637,271.00 | 12,315,314.00 |
| Short-Term Investments | 11,224,837.00 | 10,314,917.00 | 9,412,732.00 | 9,512,196.00 | 11,019,200.00 |
| Net Receivables | 18,517,148.00 | 16,760,215.00 | 15,079,879.00 | 13,891,509.00 | 13,830,525.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 45,751.00 | 46,667.00 | 46,081.00 | 46,223.00 | 53,479.00 |
| Goodwill | 410,371.00 | 410,347.00 | 408,817.00 | 414,287.00 | 440,789.00 |
| Intangible Assets | 574,972.00 | 514,293.00 | 439,835.00 | 347,616.00 | 357,640.00 |
| Long-Term Investments | 14,480,265.00 | 11,831,671.00 | 10,483,877.00 | 11,240,368.00 | 11,978,972.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 57,809,276.00 | 53,154,028.00 | 45,583,608.00 | 42,284,138.00 | 40,993,502.00 |
| Payables and Expenses | 13,677,046.00 | 12,464,756.00 | 11,034,033.00 | 10,860,443.00 | 9,996,474.00 |
| Account Payables | 11,999,389.00 | 11,160,245.00 | 10,114,743.00 | 9,333,541.00 | 8,556,150.00 |
| Current Accrued Liabilities | 242,655.00 | 235,251.00 | 180,441.00 | 180,181.00 | 222,529.00 |
| Short-Term Debt | 1,040,911.00 | 545,944.00 | 351,526.00 | 222,881.00 | 217,077.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 27,068.00 | 27,514.00 | 26,697.00 | 355,070.00 | 312,323.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 10,553,540.00 | 9,576,116.00 | 8,608,917.00 | 7,647,076.00 | 7,644,348.00 |
| Shareholders Equity | 10,551,991.00 | 9,574,835.00 | 8,607,909.00 | 7,646,289.00 | 7,644,348.00 |
| Capital Stock | 84.00 | 84.00 | 84.00 | 84.00 | 84.00 |
| Share Premium | 5,057,584.00 | 5,055,523.00 | 5,054,953.00 | 5,053,776.00 | 5,045,986.00 |
| Retained Earnings | 5,491,155.00 | 4,692,246.00 | 4,033,513.00 | 3,420,596.00 | 2,847,553.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 3,168.00 | -173,018.00 | -480,641.00 | -828,167.00 | -249,275.00 |
| Minority Interest | 1,549.00 | 1,281.00 | 1,008.00 | 787.00 | 0 |
| Debt | 1,067,979.00 | 573,458.00 | 378,223.00 | 577,951.00 | 529,400.00 |
| Common Shares Outstanding | 4,832,354.48 | 4,832,354.48 | 4,824,406.51 | 4,818,658.64 | 4,806,594.53 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|
| Revenues | 2,729,192.00 | 2,509,867.00 | 2,250,376.00 | 2,110,169.00 | 2,096,449.00 | 0 |
| Interest Income | 3,577,478.00 | 3,128,743.00 | 2,732,136.00 | 2,493,681.00 | 2,473,807.00 | 0 |
| Interest Expense | 1,275,711.00 | 1,029,989.00 | 896,204.00 | 747,994.00 | 760,959.00 | 0 |
| Non-Interest Expense | 506,052.00 | 603,541.00 | 516,177.00 | 790,100.00 | 474,125.00 | 0 |
| Selling, General and Administrative Expenses | 385,566.00 | 378,224.00 | 311,366.00 | 333,266.00 | 375,939.00 | 0 |
| Net Non-Operating Income | -102,628.00 | 9,325.00 | 56,870.00 | 272,797.00 | -105,121.00 | 0 |
| EBT | 1,116,289.00 | 879,362.00 | 795,073.00 | 767,450.00 | 723,790.00 | 0 |
| Income Tax | 333,611.00 | 242,375.00 | 237,865.00 | 214,810.00 | 170,404.00 | 0 |
| Net Income Including Non-Controlling Interests | 782,678.00 | 636,987.00 | 557,208.00 | 552,640.00 | 553,386.00 | 0 |
| Net Income Non-Controlling Interests | -205.00 | -149.00 | -5.00 | 0 | 0 | 0 |
| Net Income | 782,473.00 | 636,838.00 | 557,203.00 | 552,640.00 | 553,386.00 | 0 |
| Deprecation and Amortization | 25,570.00 | 23,070.00 | 21,322.00 | 21,061.00 | 19,269.00 | 0 |
| EPS | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 4,838,814.00 | 4,825,586.00 | 4,816,294.00 | 0 | 4,797,673.00 | 4,788,239.00 |
| Average Shares Outstanding Diluted | 4,905,133.00 | 4,899,768.00 | 4,892,628.00 | 0 | 4,889,409.00 | 4,880,953.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Operating Cash Flow | -970,599.00 | 2,554,687.00 | 1,085,345.00 | 1,370,097.00 | -1,068,862.00 |
| Operating Net Income | 782,678.00 | 636,987.00 | 557,208.00 | 552,640.00 | 553,386.00 |
| Deprecation and Amortization | 25,570.00 | 23,070.00 | 21,322.00 | 21,061.00 | 19,269.00 |
| Deferred Income Tax | -55,096.00 | -197,080.00 | 156,751.00 | -147,192.00 | -165,064.00 |
| Share Based Compensation | 73,735.00 | 57,051.00 | 77,785.00 | 47,616.00 | 65,918.00 |
| Change in Working Capital | -4,926,337.00 | -2,006,172.00 | -431,758.00 | -4,322,868.00 | -1,103,925.00 |
| Other Operating Activities | 3,128,851.00 | 4,040,831.00 | 704,037.00 | 5,218,840.00 | -438,446.00 |
| Investing Cash Flow | -125,269.00 | -71,508.00 | -81,385.00 | -247,920.00 | -42,497.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -2,555.00 | -1,994.00 | -2,400.00 | -7,725.00 | -1,094.00 |
| Net Purchase/Sale of Investments Net | 0 | 0 | 1,130.00 | 0 | 0 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | 0 | 0 | 0 | 0 | 0 |
| Financing Cash Flow | 741,154.00 | 434,483.00 | -169,200.00 | 321,449.00 | -311,638.00 |
| Net Issuance/Repayment of Debt | 739,897.00 | 433,913.00 | -169,598.00 | 319,751.00 | -313,039.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | 1,257.00 | 570.00 | 398.00 | 1,698.00 | 1,401.00 |
| Net Change in Cash | -354,714.00 | 2,917,662.00 | 834,760.00 | 1,443,626.00 | -1,422,997.00 |
| Cash at Beginning of Period | 13,269,017.00 | 10,284,007.00 | 9,185,742.00 | 7,645,754.00 | 8,530,383.00 |
| Cash at End of Period | 12,895,785.00 | 13,269,017.00 | 10,284,007.00 | 9,185,742.00 | 7,645,754.00 |
| Free Cash Flow | -1,095,868.00 | 2,484,309.00 | 1,002,830.00 | 1,274,484.00 | -1,104,628.00 |