OMF
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 12.24 | 9.23 | 4.71 | 5.05 | 8.89 |
| Price to Sales | 8.98 | 8.06 | 6.58 | 12.50 | 12.33 |
| Book Value Per Common Share | 105.65 | 105.59 | 98.93 | 96.76 | 103.15 |
| Price to Book | 0.49 | 0.47 | 0.34 | 0.52 | 0.47 |
| Price to Operating Cash Flow | 2.31 | 2.35 | 0.87 | 1.48 | 1.47 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 4633.12 | 4565.24 | 2989.10 | 4225.46 | 4997.95 |
| 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 | 11.62 | 17.87 | 27.31 | 14.71 | 25.79 | 39.60 | 10.15 | 18.75 | 25.05 | 5.29 | 9.23 | 20.00 | 7.04 | 10.55 | 17.50 | |||||
| Price to Sales | 12.78 | 18.66 | 31.04 | 10.52 | 16.41 | 34.01 | 8.82 | 14.52 | 25.30 | 8.02 | 16.22 | 37.19 | 18.68 | 33.39 | 79.34 | |||||
| Book Value Per Common Share | 113.31 | 111.02 | 109.13 | 105.65 | 106.34 | 104.30 | 106.15 | 105.59 | 102.27 | 100.33 | 101.09 | 98.93 | 96.80 | 97.33 | 97.77 | 96.76 | 95.17 | 106.20 | 98.96 | 103.15 |
| Price to Book | 0.50 | 0.51 | 0.45 | 0.49 | 0.44 | 0.46 | 0.48 | 0.47 | 0.39 | 0.44 | 0.37 | 0.34 | 0.30 | 0.38 | 0.48 | 0.52 | 0.58 | 0.56 | 0.54 | 0.47 |
| Price to Operating Cash Flow | 1.48 | 2.36 | 4.39 | 1.45 | 2.29 | 5.49 | 1.31 | 4.23 | 7.97 | 2.14 | 2.00 | 5.45 | 2.25 | 3.56 | 12.99 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 5821.23 | 9004.32 | 15273.88 | 5665.35 | 9112.69 | 18577.70 | 5055.73 | 8574.67 | 14026.76 | 3537.40 | 6635.02 | 16375.71 | 6305.06 | 10184.49 | 17835.13 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -20.08 | -24.61 | -28.59 | 82.66 | |
| Revenue YoY | -5.44 | 16.85 | 18.46 | 0.95 | |
| EBITDA YoY | 4.06 | -4.36 | -10.82 | 16.93 | |
| Net Profit YoY | -20.59 | -26.99 | -33.18 | 80.00 |
| 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 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 52.35 | 78.21 | 70.21 | 45.74 | 69.53 | 57.43 | 37.78 | 70.89 | 38.38 | 85.02 | ||||||||||
| Revenue YoY | 44.51 | 93.62 | 51.41 | 96.67 | 50.96 | 105.08 | 58.62 | 79.01 | 64.32 | 164.84 | ||||||||||
| EBITDA YoY | 52.60 | 97.07 | 55.69 | 93.34 | 55.40 | 92.48 | 46.87 | 91.47 | 46.49 | 94.43 | ||||||||||
| Net Profit YoY | 52.37 | 78.40 | 70.22 | 45.16 | 68.79 | 57.54 | 36.86 | 69.44 | 37.75 | 84.75 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 7.55 | 17.02 | 8.16 | 8.16 | 34.00 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 1.41 | 1.38 | 1.36 | 0.40 | 1.30 |
| 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 | 10.98 | 12.80 | 10.53 | 7.57 | 9.54 | 11.25 | 13.92 | 17.11 | 19.91 | 17.00 | 9.11 | 8.37 | 8.61 | 8.52 | 10.13 | 8.47 | 12.42 | 26.90 | 19.65 | 34.10 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 0.41 | 1.40 | 1.40 | 1.41 | 0.41 | 0.41 | 1.37 | 1.38 | 0.41 | 1.38 | 1.35 | 1.36 | 0.41 | 1.36 | 1.34 | 0.40 | 1.34 | 1.28 | 1.29 | 1.30 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.66 | 0.88 | 1.30 | 1.98 | 1.08 |
| ROE | 1.58 | 2.09 | 3.07 | 2.78 | 2.49 |
| Gross Margin | -1155.68 | -888.03 | -839.27 | -412.99 | -995.06 |
| Operating Margin | 1895.25 | 1723.40 | 2106.68 | 2803.77 | 2413.31 |
| EBITDA Margin | 1935.11 | 1758.37 | 2148.33 | 2853.48 | 2463.50 |
| Net Profit Margin | 73.24 | 87.21 | 139.59 | 247.46 | 138.78 |
| 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 | 0.72 | 0.48 | 0.27 | 0.50 | 0.30 | 0.22 | 0.66 | 0.40 | 0.27 | 1.04 | 0.77 | 0.46 | 1.60 | 1.14 | 0.65 | |||||
| ROE | 1.01 | 1.14 | 0.65 | 0.71 | 0.42 | 0.51 | 0.93 | 0.95 | 0.63 | 1.46 | 1.81 | 1.08 | 3.73 | 2.59 | 1.48 | |||||
| Gross Margin | -1091.25 | -1047.53 | -948.40 | -1085.07 | -1091.53 | -913.33 | -881.39 | -903.31 | -823.16 | -818.26 | -754.48 | -543.21 | -232.83 | -129.05 | 34.07 | |||||
| Operating Margin | 2145.06 | 2030.77 | 1996.28 | 1815.11 | 1764.41 | 1797.22 | 1708.03 | 1658.68 | 1769.49 | 2188.04 | 2364.14 | 2212.96 | 2865.91 | 3217.84 | 4387.91 | |||||
| EBITDA Margin | 2185.74 | 2069.78 | 2033.51 | 1853.73 | 1802.82 | 1833.89 | 1742.88 | 1693.11 | 1803.95 | 2228.91 | 2407.24 | 2250.62 | 2915.66 | 3270.54 | 4454.95 | |||||
| Net Profit Margin | 110.08 | 104.40 | 113.30 | 71.46 | 63.56 | 86.11 | 86.86 | 77.69 | 101.13 | 151.74 | 175.86 | 185.80 | 265.40 | 316.60 | 453.85 |
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 | 77,695,000.00 | 72,877,000.00 | 67,589,000.00 | 66,204,000.00 | 67,413,000.00 |
| Cash and Short-Term Investments | 904,000.00 | 2,049,000.00 | 1,013,000.00 | 1,083,000.00 | 4,581,000.00 |
| Cash and Cash Equivalents | 886,000.00 | 2,027,000.00 | 990,000.00 | 1,053,000.00 | 4,546,000.00 |
| Short-Term Investments | 18,000.00 | 22,000.00 | 23,000.00 | 30,000.00 | 35,000.00 |
| Net Receivables | 245,216,000.00 | 220,544,000.00 | 202,929,000.00 | 192,468,000.00 | 192,055,000.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 152,000.00 | 165,000.00 | 152,000.00 | 140,000.00 | 153,000.00 |
| Goodwill | 4,422,000.00 | 1,437,000.00 | 1,437,000.00 | 1,437,000.00 | 1,422,000.00 |
| Intangible Assets | 796,000.00 | 260,000.00 | 261,000.00 | 274,000.00 | 306,000.00 |
| 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 | 45,439,000.00 | 42,217,000.00 | 39,009,000.00 | 18,986,000.00 | 38,061,000.00 |
| 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 | 32,256,000.00 | 30,660,000.00 | 28,580,000.00 | 47,218,000.00 | 29,352,000.00 |
| Shareholders Equity | 12,611,000.00 | 12,645,000.00 | 11,975,000.00 | 12,367,000.00 | 13,857,000.00 |
| Capital Stock | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 |
| Share Premium | 3,712,000.00 | 3,674,000.00 | 3,622,000.00 | 3,588,000.00 | 3,554,000.00 |
| Retained Earnings | 3,549,000.00 | 3,588,000.00 | 3,324,000.00 | 2,805,000.00 | 3,133,000.00 |
| Treasury Shares | 759,000.00 | 728,000.00 | 667,000.00 | 368,000.00 | 0 |
| Accumulated Other Comprehensive Income | -81,000.00 | -87,000.00 | -246,000.00 | 61,000.00 | 94,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 196,949,000.00 | 177,546,000.00 | 163,544,000.00 | 155,635,000.00 | 169,639,000.00 |
| Debt | 89,114,000.00 | 82,639,000.00 | 73,643,000.00 | 69,250,000.00 | 69,000,000.00 |
| Net Debt | 88,210,000.00 | 80,590,000.00 | 72,630,000.00 | 68,167,000.00 | 64,419,000.00 |
| Common Shares Outstanding | 119,360.51 | 119,757.28 | 121,042.12 | 127,809.64 | 134,341.72 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 695,000.00 | 735,000.00 | 629,000.00 | 531,000.00 | 526,000.00 |
| Cost Of Revenue | 8,727,000.00 | 7,262,000.00 | 5,908,000.00 | 2,724,000.00 | 5,760,000.00 |
| Interest Income | 14,979,000.00 | 13,692,000.00 | 13,305,000.00 | 13,092,000.00 | 13,104,000.00 |
| Interest Expense | 11,171,000.00 | 10,147,000.00 | 9,762,000.00 | 9,665,000.00 | 9,763,000.00 |
| Net Interest | 3,808,000.00 | 3,545,000.00 | 3,543,000.00 | 3,427,000.00 | 3,341,000.00 |
| Non-Interest Income | 2,085,000.00 | 2,205,000.00 | 1,887,000.00 | 1,593,000.00 | 1,578,000.00 |
| Non-Interest Expense | 1,796,000.00 | 5,157,000.00 | 4,821,000.00 | 4,872,000.00 | 4,713,000.00 |
| Provisions for Credit Losses | 8,160,000.00 | 6,884,000.00 | 5,608,000.00 | 2,372,000.00 | 5,276,000.00 |
| Gross Profit | -8,032,000.00 | -6,527,000.00 | -5,279,000.00 | -2,193,000.00 | -5,234,000.00 |
| Selling, General and Administrative Expenses | 28,000.00 | 34,000.00 | 29,000.00 | 22,000.00 | 15,000.00 |
| EBT | 2,001,000.00 | 2,520,000.00 | 3,489,000.00 | 5,223,000.00 | 2,931,000.00 |
| Income Tax | 158,000.00 | 199,000.00 | 285,000.00 | 427,000.00 | 247,000.00 |
| Net Income Including Non-Controlling Interests | 0 | 0 | 0 | 0 | 359,000.00 |
| Net Income Non-Controlling Interests | 0 | 0 | 0 | 0 | 371,000.00 |
| Net Income | 509,000.00 | 641,000.00 | 878,000.00 | 1,314,000.00 | 730,000.00 |
| EBIT | 13,172,000.00 | 12,667,000.00 | 13,251,000.00 | 14,888,000.00 | 12,694,000.00 |
| Deprecation and Amortization | 277,000.00 | 257,000.00 | 262,000.00 | 264,000.00 | 264,000.00 |
| EBITDA | 13,449,000.00 | 12,924,000.00 | 13,513,000.00 | 15,152,000.00 | 12,958,000.00 |
| EPS | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Diluted EPS | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Average Shares Outstanding Basic | 119,659.28 | 120,382.23 | 124,178.64 | 132,653.89 | 134,716.01 |
| Average Shares Outstanding Diluted | 120,119.98 | 120,629.59 | 124,417.27 | 133,054.49 | 134,919.26 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 2,699,000.00 | 2,519,000.00 | 4,775,000.00 | 4,498,000.00 | 4,419,000.00 |
| Operating Net Income | 2,036,000.00 | 2,564,000.00 | 3,512,000.00 | 5,256,000.00 | 2,920,000.00 |
| Deprecation and Amortization | 277,000.00 | 257,000.00 | 262,000.00 | 264,000.00 | 264,000.00 |
| Deferred Income Tax | -42,000.00 | -36,000.00 | -62,000.00 | 78,000.00 | -42,000.00 |
| Share Based Compensation | 30,000.00 | 36,000.00 | 31,000.00 | 23,000.00 | 17,000.00 |
| Change in Working Capital | 125,000.00 | 44,000.00 | 179,000.00 | 92,000.00 | 241,000.00 |
| Other Operating Activities | 273,000.00 | -346,000.00 | 853,000.00 | -1,215,000.00 | 1,019,000.00 |
| Investing Cash Flow | -3,266,000.00 | -2,862,000.00 | -2,119,000.00 | -2,143,000.00 | -751,000.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of Investments Net | 1,508,000.00 | 1,208,000.00 | 2,176,000.00 | 4,798,000.00 | 4,086,000.00 |
| Net Purchase/Sale of Business | 64,000.00 | 0 | 0 | 0 | 0 |
| Other Investing Activities | -4,838,000.00 | -4,070,000.00 | -4,295,000.00 | -6,941,000.00 | -4,837,000.00 |
| Financing Cash Flow | 291,000.00 | 1,869,000.00 | -630,000.00 | -3,655,000.00 | -735,000.00 |
| Net Issuance/Repayment of Debt | 16,150,000.00 | 16,294,000.00 | 21,534,000.00 | 15,360,000.00 | 28,142,000.00 |
| Net Issuance/Repurchase of Equity | 39,000.00 | 68,000.00 | 305,000.00 | 368,000.00 | 45,000.00 |
| Dividends Paid | 1,058,000.00 | 1,031,000.00 | 1,239,000.00 | 2,951,000.00 | 1,697,000.00 |
| Other Financing Activities | -16,956,000.00 | -15,524,000.00 | -23,708,000.00 | -22,334,000.00 | -30,619,000.00 |
| Net Change in Cash | -843,000.00 | 1,183,000.00 | -93,000.00 | -3,443,000.00 | 1,091,000.00 |
| Cash at Beginning of Period | 1,985,000.00 | 365,000.00 | 1,052,000.00 | 4,460,000.00 | 1,632,000.00 |
| Cash at End of Period | 1,142,000.00 | 1,548,000.00 | 959,000.00 | 1,017,000.00 | 2,723,000.00 |
| 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 | 80,929,000.00 | 79,854,000.00 | 78,067,000.00 | 77,695,000.00 | 76,696,000.00 | 75,242,000.00 | 71,705,000.00 | 72,877,000.00 | 72,433,000.00 | 70,517,000.00 | 67,318,000.00 | 67,589,000.00 | 66,996,000.00 | 66,577,000.00 | 65,403,000.00 | 66,204,000.00 | 65,865,000.00 | 67,125,000.00 | 63,855,000.00 | 67,413,000.00 |
| Cash and Short-Term Investments | 1,307,000.00 | 1,526,000.00 | 1,257,000.00 | 904,000.00 | 1,142,000.00 | 1,348,000.00 | 1,668,000.00 | 2,049,000.00 | 2,401,000.00 | 2,051,000.00 | 1,100,000.00 | 1,013,000.00 | 1,076,000.00 | 1,072,000.00 | 1,287,000.00 | 1,083,000.00 | 1,660,000.00 | 3,614,000.00 | 2,641,000.00 | 4,581,000.00 |
| Cash and Cash Equivalents | 1,300,000.00 | 1,517,000.00 | 1,242,000.00 | 886,000.00 | 1,122,000.00 | 1,327,000.00 | 1,646,000.00 | 2,027,000.00 | 2,379,000.00 | 2,030,000.00 | 1,079,000.00 | 990,000.00 | 1,051,000.00 | 1,047,000.00 | 1,262,000.00 | 1,053,000.00 | 1,621,000.00 | 3,571,000.00 | 2,604,000.00 | 4,546,000.00 |
| Short-Term Investments | 7,000.00 | 9,000.00 | 15,000.00 | 18,000.00 | 20,000.00 | 21,000.00 | 22,000.00 | 22,000.00 | 22,000.00 | 21,000.00 | 21,000.00 | 23,000.00 | 25,000.00 | 25,000.00 | 25,000.00 | 30,000.00 | 39,000.00 | 43,000.00 | 37,000.00 | 35,000.00 |
| Net Receivables | 225,946,000.00 | 201,777,000.00 | 195,257,000.00 | 245,216,000.00 | 215,654,000.00 | 210,336,000.00 | 196,257,000.00 | 220,544,000.00 | 176,775,000.00 | 169,848,000.00 | 163,303,000.00 | 202,929,000.00 | 160,793,000.00 | 157,379,000.00 | 151,916,000.00 | 192,468,000.00 | 128,656,000.00 | 125,934,000.00 | 122,346,000.00 | 192,055,000.00 |
| 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 | 0 | 0 | 0 | 152,000.00 | 0 | 0 | 0 | 165,000.00 | 0 | 0 | 0 | 152,000.00 | 0 | 0 | 0 | 140,000.00 | 0 | 0 | 0 | 153,000.00 |
| Goodwill | 1,474,000.00 | 1,474,000.00 | 1,474,000.00 | 4,422,000.00 | 4,422,000.00 | 4,422,000.00 | 1,437,000.00 | 1,437,000.00 | 1,437,000.00 | 1,437,000.00 | 1,437,000.00 | 1,437,000.00 | 1,437,000.00 | 1,437,000.00 | 1,437,000.00 | 1,437,000.00 | 1,437,000.00 | 1,437,000.00 | 1,422,000.00 | 1,422,000.00 |
| Intangible Assets | 284,000.00 | 285,000.00 | 285,000.00 | 796,000.00 | 800,000.00 | 802,000.00 | 259,000.00 | 260,000.00 | 260,000.00 | 260,000.00 | 261,000.00 | 261,000.00 | 272,000.00 | 273,000.00 | 274,000.00 | 274,000.00 | 278,000.00 | 287,000.00 | 296,000.00 | 306,000.00 |
| 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 | 23,607,000.00 | 46,603,000.00 | 45,497,000.00 | 45,439,000.00 | 22,370,000.00 | 21,932,000.00 | 41,389,000.00 | 42,217,000.00 | 21,037,000.00 | 40,907,000.00 | 38,726,000.00 | 39,009,000.00 | 19,329,000.00 | 38,326,000.00 | 37,440,000.00 | 18,986,000.00 | 37,685,000.00 | 37,681,000.00 | 35,956,000.00 | 38,061,000.00 |
| 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 | 57,322,000.00 | 33,251,000.00 | 32,570,000.00 | 32,256,000.00 | 54,326,000.00 | 53,310,000.00 | 30,316,000.00 | 30,660,000.00 | 51,396,000.00 | 29,610,000.00 | 28,592,000.00 | 28,580,000.00 | 47,667,000.00 | 28,251,000.00 | 27,963,000.00 | 47,218,000.00 | 28,180,000.00 | 29,444,000.00 | 27,899,000.00 | 29,352,000.00 |
| Shareholders Equity | 13,413,000.00 | 13,195,000.00 | 13,017,000.00 | 12,611,000.00 | 12,697,000.00 | 12,491,000.00 | 12,725,000.00 | 12,645,000.00 | 12,297,000.00 | 12,084,000.00 | 12,190,000.00 | 11,975,000.00 | 11,869,000.00 | 12,042,000.00 | 12,299,000.00 | 12,367,000.00 | 12,511,000.00 | 14,219,000.00 | 13,308,000.00 | 13,857,000.00 |
| Capital Stock | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 | 6,000.00 |
| Share Premium | 3,744,000.00 | 3,734,000.00 | 3,712,000.00 | 3,712,000.00 | 3,700,000.00 | 3,690,000.00 | 3,680,000.00 | 3,674,000.00 | 3,656,000.00 | 3,648,000.00 | 3,630,000.00 | 3,622,000.00 | 3,614,000.00 | 3,602,000.00 | 3,588,000.00 | 3,588,000.00 | 3,574,000.00 | 3,566,000.00 | 3,558,000.00 | 3,554,000.00 |
| Retained Earnings | 3,900,000.00 | 3,779,000.00 | 3,727,000.00 | 3,549,000.00 | 3,547,000.00 | 3,526,000.00 | 3,636,000.00 | 3,588,000.00 | 3,518,000.00 | 3,372,000.00 | 3,422,000.00 | 3,324,000.00 | 3,239,000.00 | 3,159,000.00 | 3,061,000.00 | 2,805,000.00 | 2,659,000.00 | 3,360,000.00 | 2,890,000.00 | 3,133,000.00 |
| Treasury Shares | 826,000.00 | 794,000.00 | 774,000.00 | 759,000.00 | 757,000.00 | 739,000.00 | 732,000.00 | 728,000.00 | 709,000.00 | 699,000.00 | 693,000.00 | 667,000.00 | 612,000.00 | 571,000.00 | 478,000.00 | 368,000.00 | 176,000.00 | 35,000.00 | 0 | 0 |
| Accumulated Other Comprehensive Income | -47,000.00 | -51,000.00 | -65,000.00 | -81,000.00 | -59,000.00 | -95,000.00 | -91,000.00 | -87,000.00 | -129,000.00 | -114,000.00 | -108,000.00 | -246,000.00 | -125,000.00 | -70,000.00 | -11,000.00 | 61,000.00 | 77,000.00 | 85,000.00 | 80,000.00 | 94,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 175,881,000.00 | 152,777,000.00 | 147,747,000.00 | 196,949,000.00 | 168,351,000.00 | 164,710,000.00 | 153,717,000.00 | 177,546,000.00 | 134,006,000.00 | 128,778,000.00 | 124,039,000.00 | 163,544,000.00 | 121,822,000.00 | 119,442,000.00 | 115,133,000.00 | 155,635,000.00 | 94,698,000.00 | 93,190,000.00 | 90,558,000.00 | 169,639,000.00 |
| Debt | 91,214,000.00 | 91,559,000.00 | 88,482,000.00 | 89,114,000.00 | 88,811,000.00 | 87,813,000.00 | 81,360,000.00 | 82,639,000.00 | 83,353,000.00 | 78,785,000.00 | 74,818,000.00 | 73,643,000.00 | 73,006,000.00 | 71,166,000.00 | 68,280,000.00 | 69,250,000.00 | 66,783,000.00 | 67,815,000.00 | 65,167,000.00 | 69,000,000.00 |
| Net Debt | 89,907,000.00 | 90,033,000.00 | 87,225,000.00 | 88,210,000.00 | 87,669,000.00 | 86,465,000.00 | 79,692,000.00 | 80,590,000.00 | 80,952,000.00 | 76,734,000.00 | 73,718,000.00 | 72,630,000.00 | 71,930,000.00 | 70,094,000.00 | 66,993,000.00 | 68,167,000.00 | 65,123,000.00 | 64,201,000.00 | 62,526,000.00 | 64,419,000.00 |
| Common Shares Outstanding | 118,378.97 | 118,856.99 | 119,281.56 | 119,360.51 | 119,403.63 | 119,758.09 | 119,877.25 | 119,757.28 | 120,245.30 | 120,446.80 | 120,587.21 | 121,042.12 | 122,618.75 | 123,726.56 | 125,793.84 | 127,809.64 | 131,453.21 | 133,884.04 | 134,477.10 | 134,341.72 |
| 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 | 526,000.00 | 364,000.00 | 188,000.00 | -375,000.00 | 536,000.00 | 354,000.00 | 180,000.00 | -353,000.00 | 548,000.00 | 363,000.00 | 177,000.00 | -283,000.00 | 460,000.00 | 290,000.00 | 162,000.00 | -197,000.00 | 396,000.00 | 241,000.00 | 91,000.00 |
| Cost Of Revenue | 6,266,000.00 | 4,177,000.00 | 1,971,000.00 | -3,667,000.00 | 6,352,000.00 | 4,218,000.00 | 1,824,000.00 | -3,392,000.00 | 5,378,000.00 | 3,642,000.00 | 1,634,000.00 | -1,836,000.00 | 4,224,000.00 | 2,478,000.00 | 1,042,000.00 | 794,000.00 | 1,318,000.00 | 552,000.00 | 60,000.00 |
| Interest Income | 12,117,000.00 | 7,944,000.00 | 3,924,000.00 | -6,735,000.00 | 11,019,000.00 | 7,176,000.00 | 3,519,000.00 | -6,351,000.00 | 10,131,000.00 | 6,630,000.00 | 3,282,000.00 | -6,486,000.00 | 9,939,000.00 | 6,585,000.00 | 3,267,000.00 | -6,210,000.00 | 9,732,000.00 | 6,390,000.00 | 3,180,000.00 |
| Interest Expense | 9,027,000.00 | 5,925,000.00 | 2,928,000.00 | -5,030,000.00 | 8,220,000.00 | 5,358,000.00 | 2,623,000.00 | -4,685,000.00 | 7,503,000.00 | 4,902,000.00 | 2,427,000.00 | -4,750,000.00 | 7,287,000.00 | 4,828,000.00 | 2,397,000.00 | -4,606,000.00 | 7,191,000.00 | 4,725,000.00 | 2,355,000.00 |
| Net Interest | 3,090,000.00 | 2,019,000.00 | 996,000.00 | -1,705,000.00 | 2,799,000.00 | 1,818,000.00 | 896,000.00 | -1,666,000.00 | 2,628,000.00 | 1,728,000.00 | 855,000.00 | -1,736,000.00 | 2,652,000.00 | 1,757,000.00 | 870,000.00 | -1,604,000.00 | 2,541,000.00 | 1,665,000.00 | 825,000.00 |
| Non-Interest Income | 1,578,000.00 | 1,092,000.00 | 564,000.00 | -1,125,000.00 | 1,608,000.00 | 1,062,000.00 | 540,000.00 | -1,059,000.00 | 1,644,000.00 | 1,089,000.00 | 531,000.00 | -849,000.00 | 1,380,000.00 | 870,000.00 | 486,000.00 | -591,000.00 | 1,188,000.00 | 723,000.00 | 273,000.00 |
| Non-Interest Expense | 1,410,000.00 | 927,000.00 | 453,000.00 | -6,079,000.00 | 3,942,000.00 | 2,610,000.00 | 1,323,000.00 | -2,484,000.00 | 3,846,000.00 | 2,559,000.00 | 1,236,000.00 | -2,319,000.00 | 3,564,000.00 | 2,382,000.00 | 1,194,000.00 | -2,127,000.00 | 3,585,000.00 | 2,298,000.00 | 1,116,000.00 |
| Provisions for Credit Losses | 5,816,000.00 | 3,868,000.00 | 1,824,000.00 | -3,660,000.00 | 6,072,000.00 | 4,024,000.00 | 1,724,000.00 | -3,216,000.00 | 5,100,000.00 | 3,460,000.00 | 1,540,000.00 | -1,644,000.00 | 3,992,000.00 | 2,308,000.00 | 952,000.00 | 920,000.00 | 1,068,000.00 | 390,000.00 | -6,000.00 |
| Gross Profit | -5,740,000.00 | -3,813,000.00 | -1,783,000.00 | 3,292,000.00 | -5,816,000.00 | -3,864,000.00 | -1,644,000.00 | 3,039,000.00 | -4,830,000.00 | -3,279,000.00 | -1,457,000.00 | 1,553,000.00 | -3,764,000.00 | -2,188,000.00 | -880,000.00 | -991,000.00 | -922,000.00 | -311,000.00 | 31,000.00 |
| Selling, General and Administrative Expenses | 0 | 0 | 0 | 28,000.00 | 0 | 0 | 0 | 34,000.00 | 0 | 0 | 0 | 29,000.00 | 0 | 0 | 0 | 22,000.00 | 0 | 0 | 0 |
| EBT | 2,256,000.00 | 1,467,000.00 | 825,000.00 | -1,008,000.00 | 1,509,000.00 | 888,000.00 | 612,000.00 | -1,161,000.00 | 1,857,000.00 | 1,119,000.00 | 705,000.00 | -2,505,000.00 | 2,778,000.00 | 2,028,000.00 | 1,188,000.00 | -3,603,000.00 | 4,158,000.00 | 3,030,000.00 | 1,638,000.00 |
| Income Tax | 173,000.00 | 109,000.00 | 62,000.00 | -82,000.00 | 120,000.00 | 71,000.00 | 49,000.00 | -91,000.00 | 143,000.00 | 91,000.00 | 56,000.00 | -204,000.00 | 228,000.00 | 166,000.00 | 95,000.00 | -288,000.00 | 335,000.00 | 247,000.00 | 133,000.00 |
| Net Income | 579,000.00 | 380,000.00 | 213,000.00 | -254,000.00 | 383,000.00 | 225,000.00 | 155,000.00 | -296,000.00 | 476,000.00 | 282,000.00 | 179,000.00 | -631,000.00 | 698,000.00 | 510,000.00 | 301,000.00 | -913,000.00 | 1,051,000.00 | 763,000.00 | 413,000.00 |
| EBIT | 11,283,000.00 | 7,392,000.00 | 3,753,000.00 | -6,038,000.00 | 9,729,000.00 | 6,246,000.00 | 3,235,000.00 | -5,846,000.00 | 9,360,000.00 | 6,021,000.00 | 3,132,000.00 | -7,255,000.00 | 10,065,000.00 | 6,856,000.00 | 3,585,000.00 | -8,209,000.00 | 11,349,000.00 | 7,755,000.00 | 3,993,000.00 |
| Deprecation and Amortization | 214,000.00 | 142,000.00 | 70,000.00 | -132,000.00 | 207,000.00 | 136,000.00 | 66,000.00 | -120,000.00 | 191,000.00 | 125,000.00 | 61,000.00 | -112,000.00 | 188,000.00 | 125,000.00 | 61,000.00 | -121,000.00 | 197,000.00 | 127,000.00 | 61,000.00 |
| EBITDA | 11,497,000.00 | 7,534,000.00 | 3,823,000.00 | -6,170,000.00 | 9,936,000.00 | 6,382,000.00 | 3,301,000.00 | -5,966,000.00 | 9,551,000.00 | 6,146,000.00 | 3,193,000.00 | -7,367,000.00 | 10,253,000.00 | 6,981,000.00 | 3,646,000.00 | -8,330,000.00 | 11,546,000.00 | 7,882,000.00 | 4,054,000.00 |
| 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 | 0.01 | 0.00 | 0.00 | -0.00 | 0.01 | 0.01 | 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 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 |
| Average Shares Outstanding Basic | 119,037.49 | 119,176.26 | 119,399.01 | 119,235.73 | 119,763.84 | 119,808.36 | 119,829.17 | 119,539.43 | 120,571.10 | 120,652.71 | 120,765.66 | 118,841.96 | 124,989.26 | 125,807.63 | 127,075.71 | 128,170.81 | 133,709.15 | 134,330.23 | 134,405.37 |
| Average Shares Outstanding Diluted | 119,594.19 | 119,681.27 | 119,969.71 | 119,837.68 | 120,182.65 | 120,214.93 | 120,244.67 | 119,949.60 | 120,790.49 | 120,808.38 | 120,969.89 | 118,882.36 | 125,243.21 | 126,080.50 | 127,463.03 | 128,591.30 | 134,096.38 | 134,723.12 | 134,807.17 |
| 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 | 4,531,000.00 | 2,877,000.00 | 1,328,000.00 | -4,847,000.00 | 3,892,000.00 | 2,539,000.00 | 1,115,000.00 | -2,969,000.00 | 3,681,000.00 | 1,245,000.00 | 562,000.00 | -410,000.00 | 1,723,000.00 | 2,357,000.00 | 1,105,000.00 | -1,601,000.00 | 3,281,000.00 | 2,262,000.00 | 556,000.00 |
| Operating Net Income | 2,316,000.00 | 1,520,000.00 | 852,000.00 | -1,016,000.00 | 1,532,000.00 | 900,000.00 | 620,000.00 | -1,184,000.00 | 1,904,000.00 | 1,128,000.00 | 716,000.00 | -2,524,000.00 | 2,792,000.00 | 2,040,000.00 | 1,204,000.00 | -3,652,000.00 | 4,204,000.00 | 3,052,000.00 | 1,652,000.00 |
| Deprecation and Amortization | 214,000.00 | 142,000.00 | 70,000.00 | -132,000.00 | 207,000.00 | 136,000.00 | 66,000.00 | -120,000.00 | 191,000.00 | 125,000.00 | 61,000.00 | -112,000.00 | 188,000.00 | 125,000.00 | 61,000.00 | -121,000.00 | 197,000.00 | 127,000.00 | 61,000.00 |
| Deferred Income Tax | 10,000.00 | -5,000.00 | 15,000.00 | -2,000.00 | -43,000.00 | -12,000.00 | 15,000.00 | -1,000.00 | -30,000.00 | -14,000.00 | 9,000.00 | -40,000.00 | -44,000.00 | 1,000.00 | 21,000.00 | -114,000.00 | 57,000.00 | 76,000.00 | 59,000.00 |
| Share Based Compensation | 28,000.00 | 21,000.00 | 10,000.00 | -20,000.00 | 23,000.00 | 16,000.00 | 11,000.00 | -24,000.00 | 27,000.00 | 21,000.00 | 12,000.00 | -27,000.00 | 27,000.00 | 19,000.00 | 12,000.00 | -11,000.00 | 16,000.00 | 11,000.00 | 7,000.00 |
| Change in Working Capital | 63,000.00 | 117,000.00 | 176,000.00 | -575,000.00 | 270,000.00 | 203,000.00 | 227,000.00 | -132,000.00 | 109,000.00 | 1,000.00 | 66,000.00 | -171,000.00 | 124,000.00 | 103,000.00 | 123,000.00 | -44,000.00 | 103,000.00 | 10,000.00 | 23,000.00 |
| Other Operating Activities | 1,900,000.00 | 1,082,000.00 | 205,000.00 | -3,102,000.00 | 1,903,000.00 | 1,296,000.00 | 176,000.00 | -1,508,000.00 | 1,480,000.00 | -16,000.00 | -302,000.00 | 2,464,000.00 | -1,364,000.00 | 69,000.00 | -316,000.00 | 2,341,000.00 | -1,296,000.00 | -1,014,000.00 | -1,246,000.00 |
| Investing Cash Flow | -2,354,000.00 | -1,344,000.00 | -331,000.00 | 670,000.00 | -2,238,000.00 | -1,231,000.00 | -467,000.00 | 754,000.00 | -2,152,000.00 | -1,260,000.00 | -204,000.00 | 130,000.00 | -1,497,000.00 | -802,000.00 | 50,000.00 | 1,286,000.00 | -2,997,000.00 | -630,000.00 | 198,000.00 |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of Investments Net | 1,166,000.00 | 850,000.00 | 422,000.00 | -691,000.00 | 1,118,000.00 | 738,000.00 | 343,000.00 | -700,000.00 | 954,000.00 | 650,000.00 | 304,000.00 | -1,362,000.00 | 1,696,000.00 | 1,220,000.00 | 622,000.00 | -6,295,000.00 | 4,183,000.00 | 3,784,000.00 | 3,126,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | -64,000.00 | 64,000.00 | 64,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | -3,520,000.00 | -2,194,000.00 | -753,000.00 | 1,425,000.00 | -3,420,000.00 | -2,033,000.00 | -810,000.00 | 1,454,000.00 | -3,106,000.00 | -1,910,000.00 | -508,000.00 | 1,492,000.00 | -3,193,000.00 | -2,022,000.00 | -572,000.00 | 7,581,000.00 | -7,180,000.00 | -4,414,000.00 | -2,928,000.00 |
| Financing Cash Flow | 713,000.00 | 555,000.00 | -209,000.00 | 1,784,000.00 | -6,000.00 | -587,000.00 | -900,000.00 | -1,106,000.00 | 2,250,000.00 | 1,212,000.00 | -487,000.00 | 1,340,000.00 | -441,000.00 | -643,000.00 | -886,000.00 | 3,008,000.00 | -3,193,000.00 | -1,865,000.00 | -1,605,000.00 |
| Net Issuance/Repayment of Debt | 23,580,000.00 | 15,136,000.00 | 5,864,000.00 | -3,603,000.00 | 11,894,000.00 | 7,556,000.00 | 303,000.00 | -6,762,000.00 | 11,890,000.00 | 7,624,000.00 | 3,542,000.00 | -6,876,000.00 | 17,118,000.00 | 10,100,000.00 | 1,192,000.00 | -1,643,000.00 | 9,104,000.00 | 6,834,000.00 | 1,065,000.00 |
| Net Issuance/Repurchase of Equity | 73,000.00 | 39,000.00 | 17,000.00 | -17,000.00 | 35,000.00 | 15,000.00 | 6,000.00 | -43,000.00 | 47,000.00 | 36,000.00 | 28,000.00 | -259,000.00 | 249,000.00 | 205,000.00 | 110,000.00 | 157,000.00 | 176,000.00 | 35,000.00 | 0 |
| Dividends Paid | 808,000.00 | 530,000.00 | 250,000.00 | -523,000.00 | 807,000.00 | 512,000.00 | 262,000.00 | -541,000.00 | 769,000.00 | 528,000.00 | 275,000.00 | -751,000.00 | 966,000.00 | 672,000.00 | 352,000.00 | -1,454,000.00 | 2,573,000.00 | 1,298,000.00 | 534,000.00 |
| Other Financing Activities | -23,748,000.00 | -15,150,000.00 | -6,340,000.00 | 5,927,000.00 | -12,742,000.00 | -8,670,000.00 | -1,471,000.00 | 6,240,000.00 | -10,456,000.00 | -6,976,000.00 | -4,332,000.00 | 9,226,000.00 | -18,774,000.00 | -11,620,000.00 | -2,540,000.00 | 5,948,000.00 | -15,046,000.00 | -10,032,000.00 | -3,204,000.00 |
| Net Change in Cash | 536,000.00 | 744,000.00 | 457,000.00 | 509,000.00 | -590,000.00 | -510,000.00 | -252,000.00 | -1,855,000.00 | 1,627,000.00 | 1,182,000.00 | 229,000.00 | -533,000.00 | 11,000.00 | 110,000.00 | 319,000.00 | 1,180,000.00 | -2,909,000.00 | -863,000.00 | -851,000.00 |
| Cash at Beginning of Period | 870,000.00 | 767,000.00 | 906,000.00 | 633,000.00 | 1,860,000.00 | 1,807,000.00 | 1,682,000.00 | 3,403,000.00 | 143,000.00 | 371,000.00 | 846,000.00 | 1,492,000.00 | 1,008,000.00 | 950,000.00 | 852,000.00 | -163,000.00 | 4,189,000.00 | 3,157,000.00 | 2,723,000.00 |
| Cash at End of Period | 1,406,000.00 | 1,511,000.00 | 1,363,000.00 | 1,142,000.00 | 1,270,000.00 | 1,297,000.00 | 1,430,000.00 | 1,548,000.00 | 1,770,000.00 | 1,553,000.00 | 1,075,000.00 | 959,000.00 | 1,019,000.00 | 1,060,000.00 | 1,171,000.00 | 1,017,000.00 | 1,280,000.00 | 2,294,000.00 | 1,872,000.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |