OCFC

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 10.97 10.21 8.74 12.40 18.26
Price to Sales 48.42 48.14 54.73 95.32 70.62
Book Value Per Common Share 29.06 27.94 26.79 76.88 73.72
Price to Book 0.62 0.62 0.79 0.29 0.25
Price to Operating Cash Flow 7.32 5.79 3.59 5.58 11.18
Price to Free Cash Flow
Enterprise Value to EBITDA 23470.01 26930.02 50081.47 73336.70 73454.96
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 18.69 27.95 48.60 14.41 18.26 34.91 11.67 17.16 40.17 12.10 21.26 47.86 15.08 20.43 45.17
Price to Sales 68.05 105.32 209.74 69.68 97.97 215.64 53.59 85.64 210.48 64.34 105.11 385.80 121.37 165.13 383.65
Book Value Per Common Share 28.80 28.63 29.26 29.06 29.00 28.66 28.31 27.94 27.55 27.35 27.06 26.79 26.03 25.71 25.58 76.88 25.47 25.22 24.84 73.72
Price to Book 0.61 0.62 0.58 0.62 0.64 0.55 0.58 0.62 0.53 0.57 0.68 0.79 0.72 0.74 0.79 0.29 0.84 0.83 0.96 0.25
Price to Operating Cash Flow 19.76 38.04 -554.07 22.89 13.31 20.92 5.65 9.57 44.56 5.22 8.91 20.48 10.72 8.98 38.85
Price to Free Cash Flow
Enterprise Value to EBITDA 34500.43 52031.08 100556.83 31652.03 40641.05 82150.32 31679.70 52817.56 139524.20 70584.60 126464.00 288409.71 85758.03 115009.59 256963.06

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -2.94 -30.04 35.75 75.49
Revenue YoY 2.53 -6.79 64.84 -12.49
EBITDA YoY 17.84 52.71 40.10 16.96
Net Profit YoY -3.81 -29.04 33.18 73.87
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 49.21 80.00 48.28 85.11 36.26 97.83 71.11 114.29 39.22 92.45
Revenue YoY 53.61 105.45 64.25 112.12 48.12 108.59 59.03 249.87 39.40 101.93
EBITDA YoY 50.48 96.65 50.00 94.63 54.45 123.03 74.60 116.11 36.82 92.90
Net Profit YoY 42.73 88.55 47.35 85.02 37.12 99.69 70.56 112.43 38.21 93.45

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 2.35 2.81 3.04 3.60 21.35
Quick Ratio
Current Ratio
Debt to Equity 0.58 0.58 3.39 3.13 3.11
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 4.76 2.95 2.82 2.34 3.67 3.10 2.22 2.79 6.93 7.76 8.44 3.02 2.90 3.21 3.59 3.61 21.55 22.70 22.13 21.18
Quick Ratio
Current Ratio
Debt to Equity 0.68 0.64 0.64 0.58 0.62 0.61 0.62 0.58 0.65 0.74 0.66 3.39 7.08 6.96 7.01 3.13 6.82 6.61 6.72 3.11
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.31 0.32 0.98 0.82 0.48
ROE 0.49 0.51 4.31 3.37 1.97
Gross Margin 64.71 16.83 10.75 -263.12
Operating Margin 2013.65 1764.41 1085.96 1293.97 934.33
EBITDA Margin 2072.31 1803.05 1100.58 1294.95 968.84
Net Profit Margin 459.20 489.46 642.94 795.75 400.49
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 0.18 0.14 0.07 0.25 0.17 0.09 0.25 0.20 0.09 0.73 0.44 0.21 0.74 0.55 0.28
ROE 0.31 0.22 0.12 0.41 0.28 0.15 0.42 0.34 0.15 5.93 3.49 1.70 5.78 4.19 2.18
Gross Margin 16.14 13.45 -13.33 72.91 60.95 86.79 8.87 60.58 41.60 45.88 -4.80 8.36 72.20
Operating Margin 1892.58 1935.41 2022.96 2151.30 2353.52 2562.60 1669.21 1595.11 1488.37 899.61 817.59 1323.17 1372.65 1385.90 1462.30
EBITDA Margin 1965.27 2006.14 2095.90 2200.81 2409.88 2626.43 1702.75 1632.93 1527.16 917.25 835.46 1352.58 1410.06 1436.64 1503.91
Net Profit Margin 389.25 418.91 456.47 501.51 559.02 640.89 478.99 517.42 540.47 548.17 511.12 841.80 831.06 838.22 874.95

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 32,341,342.00 32,243,592.00 14,918,160.00 13,487,082.00 13,171,129.00
   Deposits 10,066,342.00 10,434,949.00 9,675,206.00 9,732,816.00 9,427,616.00
      Cash and Short-Term Investments 136,829.00 165,801.00 178,569.00 213,752.00 1,279,321.00
            Cash and Cash Equivalents 136,829.00 165,801.00 178,569.00 213,752.00 1,279,321.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 45,914.00 51,874.00 44,704.00 32,606.00 7,740,126.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 130,708.00 140,351.00 145,760.00 143,270.00 129,649.00
      Goodwill 529,135.00 511,973.00 511,973.00 500,319.00 500,319.00
      Intangible Assets 12,680.00 9,513.00 13,497.00 18,215.00 23,668.00
      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 11,919,147.00 11,876,308.00 11,518,432.00 10,223,063.00 9,964,183.00
      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 20,422,195.00 20,367,284.00 3,399,728.00 3,264,019.00 3,206,946.00
   Shareholders Equity 1,701,650.00 1,661,163.00 1,584,662.00 4,549,659.00 4,452,390.00
      Capital Stock 614.00 614.00 613.00 612.00 610.00
      Share Premium 1,168,321.00 1,161,755.00 1,154,821.00 1,146,781.00 1,137,715.00
      Retained Earnings 641,727.00 592,542.00 540,507.00 442,306.00 378,268.00
      Treasury Shares 90,617.00 69,106.00 69,106.00 61,710.00 25,651.00
      Accumulated Other Comprehensive Income -15,853.00 -20,862.00 -35,982.00 -2,821.00 621.00
   Minority Interest 1,107.00 782.00 802.00 0 0
Investments 520,587.00 635,333.00 653,909.00 827,561.00 1,853,571.00
Debt 197,546.00 196,456.00 195,403.00 229,141.00 235,471.00
Net Debt 60,717.00 30,655.00 16,834.00 15,389.00 0
Common Shares Outstanding 58,554.87 59,447.68 59,144.13 59,175.05 60,392.04
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 21,791.00 21,254.00 22,802.00 13,833.00 15,808.00
Cost Of Revenue 7,689.00 17,678.00 0 12,346.00 57,402.00
Interest Income 642,173.00 607,974.00 431,175.00 342,092.00 379,608.00
Interest Expense 308,138.00 238,243.00 53,698.00 36,754.00 66,657.00
Net Interest 334,035.00 369,731.00 377,477.00 305,338.00 312,951.00
Non-Interest Income 50,187.00 33,624.00 59,094.00 51,931.00 73,926.00
Provisions for Credit Losses 7,689.00 17,678.00 0 -12,346.00 57,402.00
Gross Profit 14,102.00 3,576.00 0 1,487.00 -41,594.00
Operating Expenses 250,752.00 252,962.00 239,139.00 230,167.00 249,813.00
   Selling, General and Administrative Expenses 59,739.00 68,558.00 59,852.00 55,263.00 53,613.00
   Other Operating Expenses 191,013.00 184,404.00 179,287.00 174,904.00 196,200.00
Operating Income -236,650.00 -249,386.00 0 -228,680.00 -291,407.00
EBT 130,656.00 136,765.00 193,922.00 142,241.00 81,042.00
Income Tax 29,040.00 28,893.00 45,606.00 31,147.00 20,634.00
Net Income Including Non-Controlling Interests 99,740.00 103,993.00 145,849.00 0 0
Net Income Non-Controlling Interests 325.00 36.00 754.00 0 0
Net Income 100,065.00 104,029.00 146,603.00 110,076.00 63,309.00
EBIT 438,794.00 375,008.00 247,620.00 178,995.00 147,699.00
Deprecation and Amortization 12,782.00 8,213.00 3,334.00 136.00 5,456.00
EBITDA 451,576.00 383,221.00 250,954.00 179,131.00 153,155.00
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 58,296.00 58,948.00 58,730.00 59,406.00 59,919.00
Average Shares Outstanding Diluted 58,297.00 58,957.00 58,878.00 59,649.00 60,072.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 144,088.00 176,677.00 347,870.00 236,542.00 99,870.00
   Operating Net Income 301,170.00 312,195.00 442,071.00 330,228.00 189,927.00
   Deprecation and Amortization 12,782.00 8,213.00 3,334.00 136.00 5,456.00
   Deferred Income Tax -337.00 3,151.00 1,777.00 3,608.00 -4,615.00
   Share Based Compensation 6,084.00 5,854.00 6,638.00 5,415.00 4,258.00
   Change in Working Capital -4,698.00 -79,167.00 258,917.00 -68,380.00 57,464.00
   Other Operating Activities -170,913.00 -73,569.00 -364,867.00 -34,465.00 -152,620.00
Investing Cash Flow 127,471.00 -488,326.00 -1,326,337.00 -1,466,673.00 -100,858.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 10,947.00 7,708.00 20,896.00 42,039.00 14,728.00
   Net Purchase/Sale of Investments Net 305,659.00 346,010.00 234,440.00 654,832.00 393,306.00
   Net Purchase/Sale of Business 120,661.00 24,966.00 80,898.00 370,492.00 90,037.00
   Other Investing Activities -309,796.00 -867,010.00 -1,662,571.00 -2,534,036.00 -598,929.00
Financing Cash Flow -300,531.00 298,841.00 923,489.00 137,870.00 1,188,168.00
   Net Issuance/Repayment of Debt -12,667.00 3,950.00 20,432.00 5,427.00 874,650.00
   Net Issuance/Repurchase of Equity 44,094.00 702.00 15,640.00 76,010.00 143,168.00
   Dividends Paid 50,880.00 51,274.00 47,511.00 44,510.00 42,917.00
   Other Financing Activities -382,838.00 242,915.00 839,906.00 11,923.00 127,433.00
Net Change in Cash -28,972.00 -12,808.00 -54,978.00 -1,093,877.00 1,185,435.00
   Cash at Beginning of Period 152,587.00 166,526.00 222,964.00 1,318,661.00 133,226.00
   Cash at End of Period 123,615.00 153,718.00 167,986.00 224,784.00 1,318,661.00
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 31,373,332.00 29,977,704.00 29,820,900.00 32,341,342.00 30,750,687.00 30,614,522.00 30,808,024.00 32,243,592.00 30,213,992.00 28,065,458.00 30,081,267.00 14,918,160.00 12,717,766.00 12,485,587.00 12,164,945.00 13,487,082.00 11,829,688.00 11,483,901.00 11,577,472.00 13,171,129.00
   Deposits 10,435,994.00 10,232,442.00 10,177,023.00 10,066,342.00 10,116,167.00 9,994,017.00 10,236,851.00 10,434,949.00 10,533,929.00 10,158,337.00 9,993,095.00 9,675,206.00 9,959,469.00 9,831,484.00 10,056,233.00 9,732,816.00 9,774,097.00 9,415,286.00 9,502,812.00 9,427,616.00
      Cash and Short-Term Investments 274,125.00 170,599.00 163,721.00 136,829.00 214,171.00 181,198.00 130,422.00 165,801.00 408,882.00 457,747.00 496,193.00 178,569.00 170,668.00 189,019.00 210,919.00 213,752.00 1,285,068.00 1,356,780.00 1,324,142.00 1,279,321.00
            Cash and Cash Equivalents 274,125.00 170,599.00 163,721.00 136,829.00 214,171.00 181,198.00 130,422.00 165,801.00 408,882.00 457,747.00 496,193.00 178,569.00 170,668.00 189,019.00 210,919.00 213,752.00 981,126.00 1,084,029.00 1,173,665.00 1,279,321.00
            Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 303,942.00 272,751.00 150,477.00 0
      Net Receivables 47,606.00 44,032.00 44,843.00 45,914.00 48,821.00 50,976.00 52,502.00 51,874.00 50,030.00 47,933.00 47,342.00 44,704.00 38,388.00 34,184.00 33,353.00 32,606.00 32,512.00 28,014.00 7,853,409.00 7,740,126.00
      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 129,244.00 128,446.00 130,655.00 130,708.00 132,185.00 134,347.00 137,174.00 140,351.00 142,256.00 144,183.00 146,100.00 145,760.00 147,342.00 148,585.00 141,016.00 143,270.00 144,786.00 139,136.00 131,709.00 129,649.00
      Goodwill 523,308.00 523,308.00 523,308.00 529,135.00 506,146.00 506,146.00 506,146.00 511,973.00 506,146.00 506,146.00 506,146.00 511,973.00 506,146.00 506,146.00 500,319.00 500,319.00 500,319.00 500,319.00 500,319.00 500,319.00
      Intangible Assets 9,934.00 10,834.00 11,740.00 12,680.00 7,056.00 7,859.00 8,669.00 9,513.00 10,489.00 11,476.00 12,470.00 13,497.00 14,656.00 15,827.00 17,005.00 18,215.00 19,558.00 20,912.00 22,273.00 23,668.00
      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 12,671,237.00 11,684,167.00 11,600,161.00 11,919,147.00 11,793,975.00 11,645,086.00 11,753,141.00 11,876,308.00 11,860,579.00 11,912,620.00 11,944,804.00 11,518,432.00 11,143,237.00 10,917,221.00 10,645,611.00 10,223,063.00 10,316,439.00 9,975,112.00 10,078,753.00 9,964,183.00
      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 18,702,095.00 18,293,537.00 18,220,739.00 20,422,195.00 18,956,712.00 18,969,436.00 19,054,883.00 20,367,284.00 18,353,413.00 16,152,838.00 18,136,463.00 3,399,728.00 1,574,529.00 1,568,366.00 1,519,334.00 3,264,019.00 1,513,249.00 1,508,789.00 1,498,719.00 3,206,946.00
   Shareholders Equity 1,652,537.00 1,642,846.00 1,708,322.00 1,701,650.00 1,693,654.00 1,675,885.00 1,665,112.00 1,661,163.00 1,636,891.00 1,625,435.00 1,609,553.00 1,584,662.00 1,539,253.00 1,520,488.00 1,519,334.00 4,549,659.00 1,513,249.00 1,508,789.00 1,498,719.00 4,452,390.00
      Capital Stock 625.00 625.00 626.00 614.00 614.00 614.00 614.00 614.00 614.00 614.00 614.00 613.00 613.00 613.00 613.00 612.00 612.00 612.00 611.00 610.00
      Share Premium 1,116,335.00 1,115,441.00 1,170,179.00 1,168,321.00 1,166,218.00 1,164,813.00 1,163,282.00 1,161,755.00 1,160,869.00 1,159,394.00 1,158,007.00 1,154,821.00 1,153,072.00 1,151,363.00 1,149,503.00 1,146,781.00 1,145,448.00 1,143,907.00 1,142,290.00 1,137,715.00
      Retained Earnings 660,974.00 655,095.00 650,546.00 641,727.00 632,476.00 620,021.00 608,355.00 592,542.00 577,708.00 569,867.00 554,941.00 540,507.00 499,967.00 474,114.00 456,251.00 442,306.00 430,721.00 417,658.00 398,280.00 378,268.00
      Treasury Shares 114,998.00 114,956.00 97,545.00 90,617.00 90,617.00 89,217.00 84,254.00 69,106.00 69,106.00 69,106.00 69,106.00 69,106.00 69,106.00 69,106.00 63,854.00 61,710.00 56,279.00 46,590.00 35,645.00 25,651.00
      Accumulated Other Comprehensive Income -8,788.00 -11,437.00 -13,252.00 -15,853.00 -12,185.00 -17,185.00 -19,415.00 -20,862.00 -28,811.00 -30,348.00 -29,315.00 -35,982.00 -38,496.00 -29,093.00 -15,170.00 -2,821.00 -734.00 26.00 312.00 621.00
   Minority Interest 890.00 834.00 795.00 1,107.00 854.00 784.00 725.00 782.00 713.00 848.00 818.00 802.00 963.00 944.00 0 0 0 0 0 0
Investments 502,892.00 444,654.00 443,571.00 520,587.00 583,337.00 604,496.00 619,564.00 635,333.00 631,277.00 636,455.00 643,770.00 653,909.00 667,174.00 716,035.00 767,051.00 827,561.00 303,942.00 272,751.00 2,306,847.00 1,853,571.00
Debt 18,278.00 16,466.00 17,646.00 197,546.00 17,831.00 18,760.00 19,060.00 196,456.00 20,645.00 21,080.00 21,084.00 195,403.00 20,430.00 21,218.00 14,720.00 229,141.00 21,713.00 22,163.00 22,090.00 235,471.00
Net Debt 0 0 0 60,717.00 0 0 0 30,655.00 0 0 0 16,834.00 0 0 0 15,389.00 0 0 0 0
Common Shares Outstanding 57,388.60 57,383.97 58,383.53 58,554.87 58,397.09 58,481.42 58,812.50 59,447.68 59,421.50 59,420.86 59,486.09 59,144.13 59,138.51 59,130.24 59,388.98 59,175.05 59,417.27 59,834.02 60,329.50 60,392.04
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 14,871.00 9,681.00 4,712.00 -7,754.00 15,584.00 9,488.00 4,473.00 -10,605.00 15,939.00 10,761.00 5,159.00 -7,990.00 17,026.00 10,706.00 3,060.00 -7,969.00 10,519.00 7,546.00 3,737.00
Cost Of Revenue 12,471.00 8,379.00 5,340.00 -829.00 4,222.00 3,705.00 591.00 -4,102.00 14,525.00 4,242.00 3,013.00 0 0 0 1,656.00 -6,632.00 11,024.00 6,915.00 1,039.00
Interest Income 470,722.00 308,528.00 153,703.00 -323,010.00 482,553.00 321,028.00 161,602.00 -267,730.00 447,540.00 289,130.00 139,034.00 -151,105.00 300,898.00 190,399.00 90,983.00 -164,632.00 253,635.00 168,215.00 84,874.00
Interest Expense 205,777.00 134,240.00 67,051.00 -151,628.00 231,847.00 152,541.00 75,378.00 -65,841.00 165,633.00 98,219.00 40,232.00 1,658.00 29,909.00 15,375.00 6,756.00 -23,994.00 28,883.00 20,595.00 11,270.00
Net Interest 264,945.00 174,288.00 86,652.00 -171,382.00 250,706.00 168,487.00 86,224.00 -201,889.00 281,907.00 190,911.00 98,802.00 -152,763.00 270,989.00 175,024.00 84,227.00 -140,638.00 224,752.00 147,620.00 73,604.00
Non-Interest Income 35,290.00 22,986.00 11,253.00 -23,325.00 37,955.00 23,271.00 12,286.00 -1,213.00 21,763.00 11,001.00 2,073.00 2,306.00 31,543.00 16,393.00 8,852.00 -44,063.00 42,521.00 32,638.00 20,835.00
Provisions for Credit Losses 12,471.00 8,379.00 5,340.00 -829.00 4,222.00 3,705.00 591.00 -4,102.00 14,525.00 4,242.00 3,013.00 0 0 0 1,656.00 6,632.00 -11,024.00 -6,915.00 -1,039.00
Gross Profit 2,400.00 1,302.00 -628.00 -6,925.00 11,362.00 5,783.00 3,882.00 -6,503.00 1,414.00 6,519.00 2,146.00 0 0 0 1,404.00 -1,337.00 -505.00 631.00 2,698.00
Operating Expenses 212,095.00 135,768.00 64,294.00 -106,240.00 181,028.00 117,292.00 58,672.00 -121,309.00 188,723.00 124,239.00 61,309.00 -109,665.00 175,153.00 116,156.00 57,495.00 -86,895.00 162,026.00 103,353.00 51,683.00
   Selling, General and Administrative Expenses 52,083.00 33,816.00 15,677.00 -28,402.00 43,858.00 29,406.00 14,877.00 -36,802.00 52,940.00 34,947.00 17,473.00 -30,149.00 44,794.00 29,789.00 15,418.00 -21,243.00 39,048.00 25,095.00 12,363.00
   Other Operating Expenses 160,012.00 101,952.00 48,617.00 -77,838.00 137,170.00 87,886.00 43,795.00 -84,507.00 135,783.00 89,292.00 43,836.00 -79,516.00 130,359.00 86,367.00 42,077.00 -65,652.00 122,978.00 78,258.00 39,320.00
Operating Income -209,695.00 -134,466.00 -64,922.00 99,315.00 -169,666.00 -111,509.00 -54,790.00 114,806.00 -187,309.00 -117,720.00 -59,163.00 0 0 0 -56,091.00 85,558.00 -162,531.00 -102,722.00 -48,985.00
EBT 75,669.00 53,127.00 28,271.00 -82,763.00 103,411.00 70,761.00 39,247.00 -73,641.00 100,422.00 73,431.00 36,553.00 -35,225.00 123,258.00 72,156.00 33,733.00 -100,626.00 115,506.00 83,985.00 43,376.00
Income Tax 17,735.00 12,579.00 6,808.00 -24,499.00 25,183.00 17,719.00 10,637.00 -21,520.00 24,109.00 17,650.00 8,654.00 -8,494.00 29,212.00 16,914.00 7,974.00 -28,352.00 28,087.00 20,733.00 10,679.00
Net Income Including Non-Controlling Interests 57,836.00 40,562.00 21,555.00 -60,106.00 78,084.00 53,038.00 28,724.00 -55,834.00 76,381.00 55,579.00 27,867.00 -965.00 92,616.00 54,198.00 0 0 0 0 0
Net Income Non-Controlling Interests 49.00 -7.00 -46.00 308.00 72.00 2.00 -57.00 -47.00 -34.00 101.00 16.00 -483.00 715.00 522.00 0 0 0 0 0
Net Income 57,885.00 40,555.00 21,509.00 -59,798.00 78,156.00 53,040.00 28,667.00 -55,881.00 76,347.00 55,680.00 27,883.00 -27,207.00 93,331.00 54,720.00 25,759.00 -73,292.00 87,419.00 63,252.00 32,697.00
EBIT 281,446.00 187,367.00 95,322.00 -234,391.00 335,258.00 223,302.00 114,625.00 -139,482.00 266,055.00 171,650.00 76,785.00 -33,567.00 153,167.00 87,531.00 40,489.00 -124,620.00 144,389.00 104,580.00 54,646.00
Deprecation and Amortization 10,809.00 6,847.00 3,437.00 -3,136.00 7,716.00 5,347.00 2,855.00 -3,204.00 5,346.00 4,070.00 2,001.00 -2,483.00 3,004.00 1,913.00 900.00 -9,183.00 3,935.00 3,829.00 1,555.00
EBITDA 292,255.00 194,214.00 98,759.00 -237,527.00 342,974.00 228,649.00 117,480.00 -142,686.00 271,401.00 175,720.00 78,786.00 -36,050.00 156,171.00 89,444.00 41,389.00 -133,803.00 148,324.00 108,409.00 56,201.00
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 57,599.00 57,889.00 58,102.00 57,501.00 58,405.00 58,489.00 58,789.00 58,993.00 59,037.00 58,988.00 58,774.00 58,581.00 58,777.00 58,823.00 58,739.00 58,389.00 59,619.00 59,776.00 59,840.00
Average Shares Outstanding Diluted 57,602.00 57,891.00 58,111.00 57,500.00 58,407.00 58,490.00 58,791.00 58,804.00 59,068.00 59,038.00 58,918.00 58,676.00 58,918.00 58,975.00 58,943.00 58,593.00 59,862.00 60,040.00 60,101.00
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 51,208.00 26,797.00 -1,786.00 -19,292.00 47,440.00 69,828.00 46,112.00 -95,043.00 151,084.00 96,262.00 24,374.00 -46,068.00 209,998.00 126,296.00 57,644.00 -58,184.00 119,051.00 138,802.00 36,873.00
   Operating Net Income 57,934.00 40,548.00 21,463.00 141,290.00 78,228.00 53,042.00 28,610.00 152,202.00 76,313.00 55,781.00 27,899.00 267,024.00 94,046.00 55,242.00 25,759.00 146,860.00 87,419.00 63,252.00 32,697.00
   Deprecation and Amortization 10,809.00 6,847.00 3,437.00 -3,136.00 7,716.00 5,347.00 2,855.00 -3,204.00 5,346.00 4,070.00 2,001.00 -2,483.00 3,004.00 1,913.00 900.00 -9,183.00 3,935.00 3,829.00 1,555.00
   Deferred Income Tax -25.00 -39.00 -101.00 -3,614.00 935.00 920.00 1,422.00 3,293.00 -93.00 -33.00 -16.00 1,920.00 -66.00 -47.00 -30.00 3,190.00 570.00 -95.00 -57.00
   Share Based Compensation 3,415.00 2,546.00 1,738.00 -3,104.00 4,515.00 3,132.00 1,541.00 -4,220.00 4,910.00 3,336.00 1,828.00 -3,333.00 5,019.00 3,400.00 1,552.00 -2,779.00 4,231.00 2,726.00 1,237.00
   Change in Working Capital -91,218.00 -96,850.00 -73,106.00 -51,363.00 -63,179.00 53,058.00 56,786.00 -117,694.00 88,366.00 12,216.00 -62,055.00 -227,217.00 270,509.00 161,576.00 54,049.00 82,608.00 -66,677.00 -35,259.00 -49,052.00
   Other Operating Activities 70,293.00 73,745.00 44,783.00 -99,365.00 19,225.00 -45,671.00 -45,102.00 -125,420.00 -23,758.00 20,892.00 54,717.00 -81,979.00 -162,514.00 -95,788.00 -24,586.00 -278,880.00 89,573.00 104,349.00 50,493.00
Investing Cash Flow -788,263.00 99,932.00 123,612.00 -376,722.00 114,998.00 268,592.00 120,603.00 -41,174.00 -145,885.00 -154,619.00 -146,648.00 681,328.00 -909,178.00 -673,802.00 -424,685.00 -215,287.00 -726,475.00 -301,752.00 -223,159.00
   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 4,819.00 3,249.00 1,856.00 -7,293.00 9,329.00 8,231.00 680.00 -5,224.00 6,062.00 4,717.00 2,153.00 -17,704.00 19,147.00 11,745.00 7,708.00 -5,040.00 26,493.00 15,250.00 5,336.00
   Net Purchase/Sale of Investments Net 907,880.00 87,761.00 24,589.00 -40,533.00 280,988.00 43,574.00 21,630.00 248,614.00 36,477.00 32,852.00 28,067.00 -268,259.00 204,445.00 170,275.00 127,979.00 -695,618.00 865,085.00 302,658.00 182,707.00
   Net Purchase/Sale of Business 6,620.00 3,220.00 3,160.00 113,852.00 4,032.00 1,495.00 1,282.00 -6,633.00 12,205.00 11,997.00 7,397.00 -49,393.00 63,779.00 59,641.00 6,871.00 -94,186.00 183,853.00 171,190.00 109,635.00
   Other Investing Activities -1,707,582.00 5,702.00 94,007.00 -442,748.00 -179,351.00 215,292.00 97,011.00 -277,931.00 -200,629.00 -204,185.00 -184,265.00 1,016,684.00 -1,196,549.00 -915,463.00 -567,243.00 579,557.00 -1,801,906.00 -790,850.00 -520,837.00
Financing Cash Flow 887,565.00 -79,745.00 -81,720.00 302,405.00 -101,985.00 -310,940.00 -190,011.00 -735,495.00 235,697.00 348,118.00 450,521.00 -586,829.00 645,104.00 511,781.00 353,433.00 -171,321.00 296,435.00 -44,622.00 57,378.00
   Net Issuance/Repayment of Debt 4,247.00 885.00 4,546.00 -700,207.00 230,611.00 234,302.00 222,627.00 -152,374.00 13,807.00 5,303.00 137,214.00 -1,125,933.00 526,796.00 510,528.00 109,041.00 -51,114.00 22,423.00 20,578.00 13,540.00
   Net Issuance/Repurchase of Equity 81,898.00 81,814.00 7,016.00 -12,636.00 21,529.00 20,082.00 15,119.00 -1,092.00 593.00 593.00 608.00 -2,182.00 7,742.00 7,647.00 2,433.00 9,026.00 32,461.00 22,767.00 11,756.00
   Dividends Paid 36,796.00 25,345.00 12,690.00 -25,757.00 38,222.00 25,561.00 12,854.00 -25,511.00 38,426.00 25,600.00 12,759.00 -20,288.00 34,779.00 22,023.00 10,997.00 -22,416.00 33,437.00 22,333.00 11,156.00
   Other Financing Activities 764,624.00 -187,789.00 -105,972.00 1,041,005.00 -392,347.00 -590,885.00 -440,611.00 -556,518.00 182,871.00 316,622.00 299,940.00 561,574.00 75,787.00 -28,417.00 230,962.00 -106,817.00 208,114.00 -110,300.00 20,926.00
Net Change in Cash 150,510.00 46,984.00 40,106.00 -93,609.00 60,453.00 27,480.00 -23,296.00 -871,712.00 240,896.00 289,761.00 328,247.00 48,431.00 -54,076.00 -35,725.00 -13,608.00 -446,408.00 -310,989.00 -207,572.00 -128,908.00
   Cash at Beginning of Period 123,615.00 123,615.00 123,615.00 217,224.00 153,718.00 153,718.00 153,718.00 1,025,430.00 167,986.00 167,986.00 167,986.00 119,555.00 224,784.00 224,784.00 224,784.00 671,192.00 1,318,661.00 1,318,661.00 1,318,661.00
   Cash at End of Period 274,125.00 170,599.00 163,721.00 123,615.00 214,171.00 181,198.00 130,422.00 153,718.00 408,882.00 457,747.00 496,233.00 167,986.00 170,708.00 189,059.00 211,176.00 224,784.00 1,007,672.00 1,111,089.00 1,189,753.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0