Valuation Ratios

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Price to Earnings 16.41 10.29 23.90 300.50
Price to Sales 16.87 17.36 18.62 24.46
Book Value Per Common Share 11.29 10.27 9.34 9.15
Price to Book 0.89 0.87 1.05 1.31
Price to Operating Cash Flow 10.58 8.58 4.93 9.56
Price to Free Cash Flow 8.72 5.01 9.74
Enterprise Value to EBITDA 61555.29 63534.52
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2022-09-30 2022-06-30 2021-09-30 2021-06-30
Price to Earnings 46.27 50.91 43.88 51.63 61.00 45.33 252.80
Price to Sales 13.27 12.08 79.61 72.03 68.03 61.84 73.01 105.25
Book Value Per Common Share 12.88 12.64 12.02 11.62 11.29 11.12 10.46 10.27 9.30 9.34 9.21 9.15
Price to Book 1.01 0.95 0.97 0.94 0.89 0.88 0.82 0.87 1.02 1.05 1.37 1.31
Price to Operating Cash Flow 81.57 58.23 -82.41 143.96 17.29 30.11 55.63
Price to Free Cash Flow 86.60 64.75 30.36 57.27
Enterprise Value to EBITDA 214763.54 249693.90 310286.88

Earnings Data

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Earning YoY -29.89 112.20 925.00
Revenue YoY 15.23 -1.91 3.62
EBITDA YoY 16.70 87.98 123.70
Net Profit YoY -30.47 113.52 719.04
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2022-09-30 2022-06-30 2021-09-30 2021-06-30
Earning YoY 13.04 -8.00 31.58 35.71 -33.33 320.00
Revenue YoY -1.62 568.69 -4.42 5.00 4.57 6.10 5.06
EBITDA YoY 0.39 24.13 33.55 11.48 158.99
Net Profit YoY -32.88 11.94 -8.64 33.67 38.02 -34.68 285.70

Financial Strength

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Cash Per Common Share 6.56 6.07 15.05 12.62
Quick Ratio
Current Ratio
Debt to Equity 5.39 5.96 7.10 6.55
Long-Term Debt to Equity
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2022-09-30 2022-06-30 2021-09-30 2021-06-30
Cash Per Common Share 5.63 8.97 6.29 9.78 8.69 5.89 16.10 14.55 18.50 12.62
Quick Ratio
Current Ratio
Debt to Equity 6.14 5.67 5.66 5.63 5.39 5.86 6.22 5.96 7.56 7.10 7.23 6.55
Long-Term Debt to Equity

Profitability

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
ROA 0.81 1.18 0.52 0.07
ROE 5.15 8.23 4.24 0.53
Gross Margin 93.89 93.00 93.81
Operating Margin 280.55 260.61 113.73 39.80
EBITDA Margin 285.58 281.98 147.14 68.15
Net Profit Margin 102.05 169.13 77.69 9.83
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2022-09-30 2022-06-30 2021-09-30 2021-06-30
ROA 0.19 0.31 0.28 0.31 0.24 0.17 0.25 0.07
ROE 1.38 2.05 1.85 2.08 1.63 1.26 2.17 0.57
Gross Margin 93.13 93.51 93.93 71.57 92.96
Operating Margin 388.44 384.24 325.45 246.48 213.75 68.95
EBITDA Margin 404.96 385.55 326.14 255.36 243.03 98.59
Net Profit Margin 18.03 26.42 157.85 165.13 129.71 98.28 159.62 43.48

Dividends

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Dividend Yield
Dividend Payout Ratio
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2022-09-30 2022-06-30 2021-09-30 2021-06-30
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Assets 1,895,404.00 1,856,191.00 1,964,229.00 1,796,252.00
   Deposits 1,550,252.00 1,541,851.00 1,680,283.00 1,530,896.00
      Cash and Short-Term Investments 165,190.00 152,891.00 378,099.00 327,842.00
            Cash and Cash Equivalents 165,190.00 150,478.00 376,060.00 324,963.00
            Short-Term Investments 0 2,413.00 2,039.00 2,879.00
      Net Receivables 7,559.00 7,194.00 4,623.00 4,046.00
      Inventory 0 0 0 0
      Other Current Assets 0 0 0 0
      Property, Plant, Equipment Net 45,328.00 47,065.00 37,312.00 38,918.00
      Goodwill 10,879.00 8,799.00 8,799.00 7,292.00
      Intangible Assets 5,604.00 4,215.00 4,215.00 3,207.00
      Long-Term Investments 0 0 0 0
      Non-Current Deferred Assets 0 0 0 0
      Other Non-Current Assets 0 0 0 0
Liabilities 1,598,876.00 1,589,491.00 1,721,602.00 1,558,430.00
      Payables and Expenses 0 0 0 0
            Account Payables 0 0 0 0
            Current Accrued Liabilities 0 0 0 0
      Short-Term Debt 0 0 0 0
      Other Current Liabilities 0 0 0 0
      Long-Term Debt 0 0 0 0
      Other Non-Current Liabilities 0 0 0 0
Equity 296,528.00 266,700.00 242,627.00 237,822.00
   Shareholders Equity 296,528.00 266,700.00 242,627.00 237,822.00
      Capital Stock 263.00 260.00 260.00 260.00
      Share Premium 113,484.00 113,543.00 113,713.00 113,815.00
      Retained Earnings 187,731.00 173,038.00 151,090.00 140,811.00
      Treasury Shares 0 0 0 0
      Accumulated Other Comprehensive Income 4,942.00 -9,568.00 -11,180.00 -5,125.00
   Minority Interest 0 0 0 0
Investments 189,771.00 458,029.00 507,781.00 278,359.00
Debt 5,505.00 5,713.00 0 0
Common Shares Outstanding 26,261.29 25,977.68 25,977.68 25,977.68
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Revenues 14,953.00 12,977.00 13,230.00 12,768.00
Cost Of Revenue 913.00 908.00 819.00 0
Interest Income 98,066.00 80,908.00 46,796.00 45,145.00
Interest Expense 21,803.00 5,492.00 1,464.00 2,110.00
Net Interest 66,513.00 65,541.00 42,378.00 41,817.00
Non-Interest Income 16,330.00 14,148.00 14,074.00 15,750.00
Non-Interest Expense -60,734.00 -51,834.00 -43,664.00 -50,857.00
Provisions for Credit Losses 2,438.00 0 0 0
Gross Profit 14,040.00 12,069.00 12,411.00 0
   Selling, General and Administrative Expenses 23,814.00 17,374.00 15,366.00 14,451.00
EBT 20,147.00 28,328.00 13,582.00 2,972.00
Income Tax 5,814.00 6,033.00 3,123.00 1,664.00
Net Income 15,260.00 21,948.00 10,279.00 1,255.00
EBIT 41,950.00 33,820.00 15,046.00 5,082.00
Deprecation and Amortization 753.00 2,772.00 4,420.00 3,620.00
EBITDA 42,703.00 36,592.00 19,466.00 8,702.00
EPS 0.00 0.00 0.00 0.00
Diluted EPS 0.00 0.00 0.00 0.00
Average Shares Outstanding Basic 25,193.85 25,169.38 25,131.19 0
Average Shares Outstanding Diluted 25,223.11 25,169.38 25,131.19 0
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Operating Cash Flow 23,847.00 26,269.00 49,967.00 32,653.00
   Operating Net Income 15,260.00 21,948.00 10,279.00 1,077.00
   Deprecation and Amortization 753.00 2,772.00 4,420.00 3,620.00
   Deferred Income Tax -188.00 855.00 708.00 -1,202.00
   Share Based Compensation 154.00 513.00 581.00 534.00
   Change in Working Capital -861.00 757.00 34,653.00 26,088.00
   Other Operating Activities 8,729.00 -576.00 -674.00 2,536.00
Investing Cash Flow -18,048.00 -114,873.00 -148,032.00 -125,106.00
   Capital Expenditure 0.00 -451.00 -780.00 -596.00
   Net Purchase/Sale of PPE 0 -451.00 410.00 -431.00
   Net Purchase/Sale of Investments Net 184,028.00 46,241.00 -246,841.00 -193,945.00
   Net Purchase/Sale of Business -1,980.00 0 -1,657.00 0
   Other Investing Activities -200,096.00 -160,212.00 100,836.00 69,866.00
Financing Cash Flow 8,913.00 -136,978.00 149,162.00 260,513.00
   Net Issuance/Repayment of Debt -102.00 -114.00 0 0
   Net Issuance/Repurchase of Equity 1,075.00 0 0 0
   Dividends Paid 0 0 0 0
   Other Financing Activities 7,940.00 -136,864.00 149,162.00 260,513.00
Net Change in Cash 14,712.00 -225,582.00 51,097.00 168,060.00
   Cash at Beginning of Period 150,478.00 376,060.00 324,963.00 0
   Cash at End of Period 165,190.00 150,478.00 376,060.00 0
Free Cash Flow 0 25,818.00 49,187.00 32,057.00
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2022-09-30 2022-06-30 2021-09-30 2021-06-30
Assets 2,243,310.00 2,096,425.00 2,068,985.00 2,014,602.00 1,895,404.00 1,981,834.00 1,963,407.00 1,856,191.00 2,069,590.00 1,964,229.00 1,967,659.00 1,796,252.00
   Deposits 0 0 1,721,647.00 1,675,280.00 1,550,252.00 1,648,010.00 1,638,835.00 1,541,851.00 1,779,022.00 1,680,283.00 1,704,367.00 1,530,896.00
      Cash and Short-Term Investments 0 0 139,626.00 224,974.00 165,190.00 246,541.00 219,037.00 152,891.00 404,869.00 378,099.00 480,613.00 327,842.00
            Cash and Cash Equivalents 225,099.00 119,386.00 139,626.00 224,974.00 165,190.00 246,541.00 216,544.00 150,478.00 402,869.00 376,060.00 478,579.00 324,963.00
            Short-Term Investments 69,291.00 288,220.00 0 0 0 0 2,493.00 2,413.00 2,000.00 2,039.00 2,034.00 2,879.00
      Net Receivables 9,244.00 8,704.00 8,379.00 7,667.00 7,559.00 7,688.00 7,124.00 7,194.00 5,895.00 4,623.00 3,869.00 4,046.00
      Inventory 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
      Property, Plant, Equipment Net 35,320.00 35,725.00 35,810.00 39,718.00 45,328.00 46,033.00 47,002.00 47,065.00 49,057.00 37,312.00 38,486.00 38,918.00
      Goodwill 10,879.00 10,879.00 10,879.00 10,879.00 10,879.00 10,879.00 10,879.00 8,799.00 8,799.00 8,799.00 7,292.00 7,292.00
      Intangible Assets 2,352.00 2,464.00 0 0 5,604.00 0 0 4,215.00 0 4,215.00 0 3,207.00
      Long-Term Investments 298,391.00 330,626.00 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
      Other Non-Current Assets 0 0 0 0 0 0 0 0 0 0 0 0
Liabilities 1,929,112.00 1,782,176.00 1,758,284.00 1,710,801.00 1,598,876.00 1,692,878.00 1,691,636.00 1,589,491.00 1,827,881.00 1,721,602.00 1,728,513.00 1,558,430.00
      Payables and Expenses 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
            Current Accrued Liabilities 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
      Other Current Liabilities 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
      Other Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0
Equity 314,198.00 314,249.00 310,701.00 303,801.00 296,528.00 288,956.00 271,771.00 266,700.00 241,709.00 242,627.00 239,146.00 237,822.00
   Shareholders Equity 314,198.00 314,249.00 310,701.00 303,801.00 296,528.00 288,956.00 271,771.00 266,700.00 241,709.00 242,627.00 239,146.00 237,822.00
      Capital Stock 251.00 255.00 258.00 261.00 263.00 260.00 260.00 260.00 260.00 260.00 260.00 260.00
      Share Premium 115,046.00 114,771.00 114,441.00 113,795.00 113,484.00 113,383.00 113,491.00 113,543.00 113,665.00 113,713.00 113,798.00 113,815.00
      Retained Earnings 199,719.00 201,381.00 198,381.00 192,826.00 187,731.00 184,875.00 176,964.00 173,038.00 156,324.00 151,090.00 142,168.00 140,811.00
      Treasury Shares 0 0 0 0 0 0 0 0 0 0 0 0
      Accumulated Other Comprehensive Income 8,221.00 7,052.00 7,001.00 6,640.00 4,942.00 500.00 -8,540.00 -9,568.00 -17,454.00 -11,180.00 -5,312.00 -5,125.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 132,673.00 203,361.00 189,771.00 171,592.00 2,493.00 458,029.00 539,719.00 507,781.00 331,540.00 278,359.00
Debt 0 0 0 0 5,505.00 5,610.00 5,817.00 5,713.00 5,985.00 0 0 0
Common Shares Outstanding 24,396.46 24,870.58 25,853.09 26,146.90 26,261.29 25,977.68 25,977.68 25,977.68 25,977.68 25,977.68 25,977.68 25,977.68
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-03-31 2023-09-30 2022-09-30 2021-09-30
Revenues 24,018.00 24,414.00 3,651.00 3,820.00 3,638.00 3,479.00 3,279.00 3,121.00
Cost Of Revenue 0 0 251.00 248.00 221.00 989.00 231.00 0
Interest Income 28,287.00 27,006.00 29,629.00 26,544.00 25,456.00 22,724.00 17,126.00 11,046.00
Interest Expense 8,084.00 7,398.00 6,765.00 6,482.00 5,784.00 4,266.00 518.00 381.00
Net Interest 0 0 19,083.00 17,897.00 17,331.00 15,890.00 14,674.00 10,235.00
Non-Interest Income 0 0 3,725.00 4,118.00 4,234.00 3,574.00 3,805.00 3,200.00
Non-Interest Expense 17,624.00 14,727.00 -14,591.00 -14,689.00 -15,429.00 -14,405.00 -11,868.00 -11,414.00
Provisions for Credit Losses 0 0 741.00 -824.00 80.00 750.00 0 0
Gross Profit 0 0 3,400.00 3,572.00 3,417.00 2,490.00 3,048.00 0
   Selling, General and Administrative Expenses 9,273.00 9,283.00 4,970.00 4,991.00 6,243.00 5,748.00 3,662.00 3,672.00
EBT 5,609.00 8,137.00 7,417.00 8,196.00 6,056.00 4,309.00 6,491.00 1,771.00
Income Tax 1,279.00 1,686.00 1,618.00 1,931.00 1,337.00 890.00 1,257.00 414.00
Net Income Including Non-Controlling Interests 4,330.00 6,451.00 0 0 0 0 0 0
Net Income 4,330.00 6,451.00 5,763.00 6,308.00 4,719.00 3,419.00 5,234.00 1,357.00
EBIT 0 0 14,182.00 14,678.00 11,840.00 8,575.00 7,009.00 2,152.00
Deprecation and Amortization 595.00 600.00 603.00 50.00 25.00 309.00 960.00 925.00
EBITDA 0 0 14,785.00 14,728.00 11,865.00 8,884.00 7,969.00 3,077.00
EPS 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Diluted EPS 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Shares Outstanding Basic 0 24,510.94 24,812.75 25,081.86 25,220.30 25,194.84 25,143.92 0
Average Shares Outstanding Diluted 0 24,567.33 24,937.03 25,150.65 25,220.30 25,194.84 25,143.92 0
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-03-31 2023-09-30 2022-09-30 2021-09-30
Operating Cash Flow 3,905.00 5,063.00 -3,526.00 1,911.00 0 12,442.00 7,950.00 5,901.00
   Operating Net Income 4,330.00 6,451.00 5,763.00 6,308.00 0 3,419.00 5,234.00 1,357.00
   Deprecation and Amortization 595.00 600.00 -603.00 50.00 25.00 309.00 960.00 925.00
   Deferred Income Tax -1,236.00 -653.00 -389.00 834.00 0 37.00 243.00 355.00
   Share Based Compensation 446.00 500.00 351.00 343.00 0 117.00 122.00 154.00
   Change in Working Capital 194.00 -1,519.00 -9,630.00 -7,526.00 0 7,834.00 1,595.00 2,822.00
   Other Operating Activities -424.00 -316.00 982.00 1,902.00 0 726.00 -204.00 288.00
Investing Cash Flow -37,113.00 -43,609.00 -45,652.00 -59,317.00 0 -38,971.00 -76,986.00 -22,296.00
   Capital Expenditure 0 0 0.00 0.00 0.00 0.00 -65.00 -169.00
   Net Purchase/Sale of PPE -227.00 -508.00 0 0 0 0 1,078.00 -169.00
   Net Purchase/Sale of Investments Net 35,155.00 13,256.00 7,710.00 -1,344.00 0 21,194.00 -40,741.00 -54,524.00
   Net Purchase/Sale of Business 0 0 0 0 0 -1,980.00 0 0
   Other Investing Activities 0 0 -53,362.00 -57,973.00 0 -58,185.00 -37,258.00 32,566.00
Financing Cash Flow 139,691.00 20,988.00 92,283.00 117,190.00 0 92,595.00 95,845.00 170,011.00
   Net Issuance/Repayment of Debt -33.00 -32.00 -20.00 -26.00 -26.00 -25.00 25.00 0
   Net Issuance/Repurchase of Equity -5,996.00 -3,309.00 1,572.00 1,215.00 0 0 0 0
   Dividends Paid 0 0 0 0 0 0 0 0
   Other Financing Activities 145,720.00 24,329.00 90,731.00 116,001.00 0 92,620.00 95,820.00 170,011.00
Net Change in Cash 106,483.00 -17,558.00 43,105.00 59,784.00 0 66,066.00 26,809.00 153,616.00
   Cash at Beginning of Period 122,068.00 139,626.00 96,521.00 165,190.00 0 150,478.00 376,060.00 0
   Cash at End of Period 228,551.00 122,068.00 139,626.00 224,974.00 246,541.00 216,544.00 402,869.00 0
Free Cash Flow 3,678.00 4,555.00 0 0 0 0 7,885.00 5,732.00