PEBO
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 9.49 | 9.76 | 7.83 | 14.66 | 15.57 |
| Price to Sales | 43.84 | 43.57 | 37.38 | 38.53 | 37.51 |
| Book Value Per Common Share | 92.71 | 94.03 | 79.86 | 116.20 | 87.57 |
| Price to Book | 0.34 | 0.36 | 0.35 | 0.27 | 0.31 |
| Price to Operating Cash Flow | 5.04 | 6.30 | 4.58 | 3.63 | 3.90 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA |
| 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 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 14.08 | 23.67 | 42.99 | 11.71 | 17.96 | 34.84 | 10.19 | 16.91 | 27.11 | 10.92 | 15.38 | 37.27 | 31.93 | 22.44 | 41.46 |
| Price to Sales | 56.08 | 87.76 | 175.92 | 55.42 | 83.31 | 170.17 | 43.88 | 67.39 | 131.98 | 50.71 | 69.69 | 166.90 | 49.34 | 68.63 | 163.56 |
| Book Value Per Common Share | 65.45 | 63.45 | 62.47 | 62.34 | 58.86 | 58.00 | 58.00 | 62.17 | 54.79 | 49.63 | 52.94 | 55.49 | 42.12 | 30.34 | 30.02 |
| Price to Book | 0.46 | 0.48 | 0.47 | 0.48 | 0.51 | 0.51 | 0.44 | 0.43 | 0.47 | 0.58 | 0.50 | 0.56 | 0.75 | 0.98 | 1.10 |
| Price to Operating Cash Flow | 10.55 | 12.55 | 30.20 | 10.13 | 15.08 | 27.79 | 7.13 | 12.69 | 14.96 | 7.88 | 11.86 | 55.82 | 9.36 | 14.78 | 34.91 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -3.47 | -4.16 | 66.36 | 24.71 | |
| Revenue YoY | -0.27 | 19.51 | 17.12 | 26.42 | |
| EBITDA YoY | |||||
| Net Profit YoY | 3.39 | 11.92 | 113.00 | 36.78 |
| 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 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 65.12 | 86.96 | 53.89 | 96.47 | 58.60 | 65.26 | 53.18 | 105.95 | -25.00 | 65.00 | |||||
| Revenue YoY | 53.78 | 106.58 | 50.81 | 107.01 | 54.30 | 118.79 | 49.30 | 103.16 | 51.94 | 112.96 | |||||
| EBITDA YoY | |||||||||||||||
| Net Profit YoY | 64.71 | 87.16 | 54.08 | 98.05 | 66.90 | 79.43 | 53.60 | 105.56 | -22.52 | 65.34 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 13.38 | 26.76 | 11.59 | 38.83 | 16.16 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 3.69 | 3.88 | 4.10 | 3.69 | 3.65 |
| 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 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 5.44 | 5.33 | 5.36 | 8.16 | 6.79 | 12.37 | 9.41 | 4.91 | 5.63 | 5.20 | 14.25 | 14.49 | 25.30 | 12.75 | 10.39 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 7.14 | 7.27 | 7.13 | 7.13 | 7.56 | 7.73 | 8.00 | 7.80 | 7.92 | 8.21 | 8.25 | 7.96 | 7.49 | 7.66 | 7.88 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.12 | 1.10 | 1.26 | 0.60 | 0.65 |
| ROE | 5.27 | 5.38 | 6.45 | 2.81 | 3.02 |
| Gross Margin | 0.62 | 39.02 | 86.20 | 52.84 | -432.42 |
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 466.17 | 449.67 | 480.19 | 264.05 | 244.05 |
| 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 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.78 | 0.48 | 0.26 | 0.99 | 0.64 | 0.32 | 0.89 | 0.54 | 0.36 | 1.06 | 0.67 | 0.33 | 0.28 | 0.50 | 0.30 |
| ROE | 6.34 | 3.95 | 2.14 | 8.02 | 5.44 | 2.79 | 8.01 | 4.77 | 3.24 | 9.79 | 6.16 | 2.92 | 2.38 | 4.37 | 2.67 |
| Gross Margin | -82.47 | -120.71 | -73.15 | 1.88 | 5.84 | -0.93 | 24.41 | 17.41 | 34.72 | 63.53 | 28.91 | 99.87 | 31.32 | 25.67 | -247.00 |
| Operating Margin | |||||||||||||||
| EBITDA Margin | |||||||||||||||
| Net Profit Margin | 401.31 | 374.66 | 413.53 | 478.28 | 468.13 | 489.32 | 432.86 | 400.17 | 487.97 | 467.23 | 454.13 | 448.83 | 156.52 | 306.95 | 395.37 |
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 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | |||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 10,431,633.00 | 10,277,467.00 | 8,013,017.00 | 7,931,103.00 | 5,353,198.00 |
| Deposits | 7,590,205.00 | 7,152,297.00 | 5,716,941.00 | 5,862,552.00 | 3,910,459.00 |
| Cash and Short-Term Investments | 465,365.00 | 870,643.00 | 323,480.00 | 847,040.00 | 318,765.00 |
| Cash and Cash Equivalents | 465,365.00 | 870,643.00 | 323,480.00 | 847,040.00 | 318,765.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 0 | 0 | 0 | 743.00 | 50,359.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 114,088.00 | 115,545.00 | 89,759.00 | 97,171.00 | 66,616.00 |
| Goodwill | 363,199.00 | 430,969.00 | 321,897.00 | 264,193.00 | 171,364.00 |
| Intangible Assets | 39,223.00 | 50,003.00 | 33,932.00 | 26,816.00 | 13,337.00 |
| 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 | 8,208,453.00 | 8,170,399.00 | 6,442,361.00 | 6,241,053.00 | 4,201,852.00 |
| 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 | 193,474.00 | 601,121.00 | 500,138.00 | 357,964.00 | 73,261.00 |
| 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 | 2,223,180.00 | 2,107,068.00 | 1,570,656.00 | 1,690,050.00 | 1,151,346.00 |
| Shareholders Equity | 3,224,385.00 | 3,059,012.00 | 2,228,848.00 | 2,535,075.00 | 1,727,019.00 |
| Capital Stock | 866,844.00 | 865,227.00 | 686,450.00 | 686,282.00 | 422,536.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 388,109.00 | 327,237.00 | 265,936.00 | 207,076.00 | 190,691.00 |
| Treasury Shares | 32,978.00 | 37,340.00 | 39,922.00 | 36,714.00 | 38,890.00 |
| Accumulated Other Comprehensive Income | -110,385.00 | -101,590.00 | -127,136.00 | -11,619.00 | 1,336.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 1,978,863.00 | 1,859,058.00 | 1,794,829.00 | 7,872,364.00 | 1,091,484.00 |
| Debt | 706,627.00 | 1,498,757.00 | 1,101,369.00 | 457,439.00 | 257,090.00 |
| Net Debt | 241,262.00 | 628,114.00 | 777,889.00 | 0 | 0 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 25,142.00 | 25,210.00 | 21,094.00 | 18,010.00 | 14,246.00 |
| Cost Of Revenue | 24,987.00 | 15,374.00 | 2,910.00 | 8,494.00 | 75,848.00 |
| Interest Income | 600,862.00 | 490,377.00 | 325,163.00 | 215,925.00 | 206,462.00 |
| Interest Expense | 172,075.00 | 100,029.00 | 16,112.00 | 12,236.00 | 18,181.00 |
| Net Interest | 348,701.00 | 339,374.00 | 253,442.00 | 172,553.00 | 138,923.00 |
| Non-Interest Income | 99,366.00 | 87,413.00 | 78,836.00 | 3,644.00 | 2,745.00 |
| Non-Interest Expense | 273,816.00 | 266,487.00 | 207,147.00 | 203,637.00 | 133,695.00 |
| Provisions for Credit Losses | 24,987.00 | 15,374.00 | -2,910.00 | 8,494.00 | 75,848.00 |
| Gross Profit | 155.00 | 9,836.00 | 18,184.00 | 9,516.00 | -61,602.00 |
| Operating Expenses | -149,309.00 | -135,290.00 | -110,457.00 | -47,454.00 | -104,248.00 |
| Selling, General and Administrative Expenses | 77,957.00 | 79,207.00 | 57,140.00 | 52,020.00 | 33,902.00 |
| Other Operating Expenses | -227,266.00 | -214,497.00 | -167,597.00 | -99,474.00 | -138,150.00 |
| Operating Income | 149,464.00 | 145,126.00 | 128,641.00 | 56,970.00 | 42,646.00 |
| EBT | 0 | 0 | 0 | 0 | 0 |
| Income Tax | 29,116.00 | 28,467.00 | 25,370.00 | 8,120.00 | 6,751.00 |
| Net Income | 117,205.00 | 113,363.00 | 101,292.00 | 47,555.00 | 34,767.00 |
| Deprecation and Amortization | 3,514.00 | 3,668.00 | 17,457.00 | 30,867.00 | 25,800.00 |
| 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 | 34,779.55 | 32,533.09 | 27,908.02 | 21,816.51 | 19,721.77 |
| Average Shares Outstanding Diluted | 35,147.35 | 32,760.81 | 27,999.60 | 21,959.88 | 19,843.81 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 218,794.00 | 174,362.00 | 172,201.00 | 191,347.00 | 137,154.00 |
| Operating Net Income | 351,615.00 | 340,089.00 | 303,876.00 | 142,665.00 | 104,301.00 |
| Deprecation and Amortization | 3,514.00 | 3,668.00 | 17,457.00 | 30,867.00 | 25,800.00 |
| Deferred Income Tax | 6,973.00 | -238.00 | 18,566.00 | 2,874.00 | -8,101.00 |
| Share Based Compensation | 7,324.00 | 6,025.00 | -506.00 | 374.00 | 377.00 |
| Change in Working Capital | -15,821.00 | 19,703.00 | 3,208.00 | -16,518.00 | -6,605.00 |
| Other Operating Activities | -134,811.00 | -194,885.00 | -170,400.00 | 31,085.00 | 21,382.00 |
| Investing Cash Flow | -348,419.00 | -106,131.00 | -416,520.00 | -77,069.00 | -393,919.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 6,822.00 | 13,458.00 | 6,753.00 | 6,685.00 | 4,299.00 |
| Net Purchase/Sale of Investments Net | 1,091,910.00 | 765,322.00 | 720,178.00 | 2,030,797.00 | 420,799.00 |
| Net Purchase/Sale of Business | 1,579.00 | -120,357.00 | 87,030.00 | -132,009.00 | 94,856.00 |
| Net Loan & Lease Activity | 199,243.00 | 356,075.00 | 58,142.00 | -113,467.00 | 444,128.00 |
| Other Investing Activities | -1,647,973.00 | -1,120,629.00 | -1,288,623.00 | -1,869,075.00 | -1,358,001.00 |
| Financing Cash Flow | -66,595.00 | 206,607.00 | -17,627.00 | 150,238.00 | 288,476.00 |
| Net Issuance/Repayment of Debt | -367,105.00 | 196,256.00 | 478,760.00 | 16,546.00 | -211,001.00 |
| Net Issuance/Repurchase of Equity | 10,265.00 | 10,357.00 | 19,011.00 | 61,761.00 | 58,703.00 |
| Dividends Paid | 55,828.00 | 51,845.00 | 84,743.00 | 31,002.00 | 27,052.00 |
| Other Financing Activities | 234,417.00 | -51,851.00 | -600,141.00 | 40,929.00 | 413,722.00 |
| Net Change in Cash | -196,220.00 | 274,838.00 | -261,946.00 | 0 | 0 |
| Cash at Beginning of Period | 413,884.00 | 151,884.00 | 415,968.00 | 0 | 0 |
| Cash at End of Period | 217,664.00 | 426,722.00 | 154,022.00 | 0 | 0 |
| 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 | 9,623,944.00 | 9,540,608.00 | 9,246,000.00 | 10,431,633.00 | 9,140,471.00 | 9,226,461.00 | 9,270,774.00 | 10,277,467.00 | 8,942,534.00 | 8,786,635.00 | 7,311,520.00 | 8,013,017.00 | 7,005,854.00 | 7,278,292.00 | 7,239,261.00 | 7,931,103.00 | 7,059,752.00 | 5,067,634.00 | 5,143,052.00 | 5,353,198.00 |
| Deposits | 7,632,196.00 | 7,637,208.00 | 7,734,749.00 | 7,590,205.00 | 7,483,157.00 | 7,297,774.00 | 7,326,556.00 | 7,152,297.00 | 7,037,518.00 | 6,959,869.00 | 5,788,527.00 | 5,716,941.00 | 5,865,620.00 | 5,929,225.00 | 6,002,926.00 | 5,862,552.00 | 5,832,020.00 | 4,232,623.00 | 4,304,229.00 | 3,910,459.00 |
| Cash and Short-Term Investments | 190,217.00 | 186,075.00 | 186,978.00 | 465,365.00 | 283,707.00 | 235,871.00 | 429,720.00 | 870,643.00 | 299,109.00 | 148,482.00 | 157,154.00 | 323,480.00 | 145,184.00 | 398,385.00 | 405,679.00 | 847,040.00 | 499,682.00 | 246,073.00 | 200,375.00 | 318,765.00 |
| Cash and Cash Equivalents | 190,217.00 | 186,075.00 | 186,978.00 | 465,365.00 | 283,707.00 | 235,871.00 | 429,720.00 | 870,643.00 | 299,109.00 | 148,482.00 | 157,154.00 | 323,480.00 | 145,184.00 | 398,385.00 | 405,679.00 | 847,040.00 | 499,682.00 | 246,073.00 | 200,375.00 | 318,765.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 54,768.00 | 743.00 | 690.00 | 1,389.00 | 1,372.00 | 50,359.00 |
| 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 | 113,444.00 | 114,279.00 | 114,521.00 | 114,088.00 | 115,831.00 | 117,826.00 | 118,940.00 | 115,545.00 | 115,979.00 | 118,613.00 | 93,748.00 | 89,759.00 | 91,838.00 | 94,024.00 | 97,492.00 | 97,171.00 | 99,942.00 | 65,125.00 | 65,125.00 | 66,616.00 |
| Goodwill | 363,199.00 | 363,199.00 | 363,199.00 | 363,199.00 | 431,214.00 | 430,969.00 | 430,969.00 | 430,969.00 | 417,206.00 | 420,378.00 | 292,597.00 | 321,897.00 | 319,597.00 | 316,976.00 | 303,651.00 | 264,193.00 | 267,015.00 | 196,500.00 | 171,260.00 | 171,364.00 |
| Intangible Assets | 32,336.00 | 34,586.00 | 36,900.00 | 39,223.00 | 41,508.00 | 44,248.00 | 47,116.00 | 50,003.00 | 53,388.00 | 56,775.00 | 31,965.00 | 33,932.00 | 36,031.00 | 38,156.00 | 38,214.00 | 26,816.00 | 28,400.00 | 25,076.00 | 12,747.00 | 13,337.00 |
| 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 | 8,441,168.00 | 8,387,258.00 | 8,108,179.00 | 8,208,453.00 | 8,015,499.00 | 8,148,628.00 | 8,208,772.00 | 8,170,399.00 | 7,949,315.00 | 7,787,728.00 | 6,491,977.00 | 6,442,361.00 | 6,245,343.00 | 6,491,468.00 | 6,430,921.00 | 6,241,053.00 | 6,227,870.00 | 4,482,129.00 | 4,564,159.00 | 4,201,852.00 |
| 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 | 483,590.00 | 396,860.00 | 19,228.00 | 193,474.00 | 175,945.00 | 482,733.00 | 513,496.00 | 601,121.00 | 585,437.00 | 569,935.00 | 490,670.00 | 500,138.00 | 133,611.00 | 326,442.00 | 144,275.00 | 357,964.00 | 184,693.00 | 66,496.00 | 67,868.00 | 73,261.00 |
| 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 | 1,182,776.00 | 1,153,350.00 | 1,137,821.00 | 2,223,180.00 | 1,124,972.00 | 1,077,833.00 | 1,062,002.00 | 2,107,068.00 | 993,219.00 | 998,907.00 | 819,543.00 | 1,570,656.00 | 760,511.00 | 786,824.00 | 808,340.00 | 1,690,050.00 | 831,882.00 | 585,505.00 | 578,893.00 | 1,151,346.00 |
| Shareholders Equity | 2,288,013.00 | 2,216,428.00 | 2,179,951.00 | 3,224,385.00 | 2,167,448.00 | 2,045,473.00 | 2,015,064.00 | 3,059,012.00 | 1,842,642.00 | 1,878,894.00 | 1,528,107.00 | 2,228,848.00 | 1,386,099.00 | 1,480,289.00 | 1,554,013.00 | 2,535,075.00 | 831,882.00 | 585,505.00 | 578,893.00 | 1,727,019.00 |
| Capital Stock | 870,044.00 | 868,493.00 | 866,416.00 | 866,844.00 | 865,326.00 | 863,975.00 | 861,925.00 | 865,227.00 | 864,010.00 | 862,960.00 | 684,367.00 | 686,450.00 | 685,351.00 | 684,416.00 | 684,243.00 | 686,282.00 | 685,428.00 | 422,652.00 | 422,370.00 | 422,536.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 421,072.00 | 406,252.00 | 398,218.00 | 388,109.00 | 375,396.00 | 357,886.00 | 343,076.00 | 327,237.00 | 307,534.00 | 289,445.00 | 281,771.00 | 265,936.00 | 249,833.00 | 234,608.00 | 220,477.00 | 207,076.00 | 189,508.00 | 202,359.00 | 199,321.00 | 190,691.00 |
| Treasury Shares | 30,801.00 | 31,123.00 | 31,122.00 | 32,978.00 | 33,254.00 | 33,835.00 | 34,059.00 | 37,340.00 | 34,529.00 | 34,578.00 | 35,616.00 | 39,922.00 | 39,750.00 | 38,841.00 | 33,713.00 | 36,714.00 | 37,166.00 | 37,284.00 | 37,836.00 | 38,890.00 |
| Accumulated Other Comprehensive Income | -77,539.00 | -90,272.00 | -95,691.00 | -110,385.00 | -82,496.00 | -110,193.00 | -108,940.00 | -101,590.00 | -143,796.00 | -118,920.00 | -110,979.00 | -127,136.00 | -134,923.00 | -93,359.00 | -62,667.00 | -11,619.00 | -5,888.00 | -2,222.00 | -4,962.00 | 1,336.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2,036,712.00 | 2,086,592.00 | 1,929,784.00 | 1,978,863.00 | 1,885,686.00 | 1,946,607.00 | 1,921,850.00 | 1,859,058.00 | 1,826,654.00 | 1,934,522.00 | 1,849,095.00 | 1,794,829.00 | 1,655,723.00 | 1,751,628.00 | 7,362,187.00 | 7,872,364.00 | 2,428,393.00 | 1,705,542.00 | 1,656,911.00 | 1,091,484.00 |
| Debt | 710,872.00 | 629,251.00 | 256,228.00 | 706,627.00 | 412,769.00 | 716,990.00 | 749,779.00 | 1,498,757.00 | 758,749.00 | 693,514.00 | 586,299.00 | 1,101,369.00 | 237,807.00 | 450,129.00 | 345,885.00 | 457,439.00 | 284,104.00 | 161,577.00 | 178,163.00 | 257,090.00 |
| Net Debt | 520,655.00 | 443,176.00 | 69,250.00 | 241,262.00 | 129,062.00 | 481,119.00 | 320,059.00 | 628,114.00 | 459,640.00 | 545,032.00 | 429,145.00 | 777,889.00 | 92,623.00 | 51,744.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 18,695.00 | 12,157.00 | 5,885.00 | -12,295.00 | 18,875.00 | 12,516.00 | 6,046.00 | -10,517.00 | 18,375.00 | 11,909.00 | 5,443.00 | -10,764.00 | 15,933.00 | 10,672.00 | 5,253.00 | -6,885.00 | 12,655.00 | 8,329.00 | 3,911.00 |
| Cost Of Revenue | 34,112.00 | 26,832.00 | 10,190.00 | -11,420.00 | 18,520.00 | 11,785.00 | 6,102.00 | -11,904.00 | 13,889.00 | 9,836.00 | 3,553.00 | -10,495.00 | 5,811.00 | 7,587.00 | 7.00 | -19,959.00 | 8,691.00 | 6,191.00 | 13,571.00 |
| Interest Income | 386,477.00 | 252,887.00 | 125,442.00 | -188,800.00 | 397,360.00 | 262,787.00 | 129,515.00 | -101,808.00 | 316,021.00 | 191,627.00 | 84,537.00 | -50,020.00 | 194,658.00 | 122,940.00 | 57,585.00 | -32,330.00 | 127,401.00 | 81,852.00 | 39,002.00 |
| Interest Expense | 119,576.00 | 78,117.00 | 39,287.00 | -83,806.00 | 129,818.00 | 85,110.00 | 40,953.00 | -7,231.00 | 63,154.00 | 32,835.00 | 11,271.00 | -4,229.00 | 10,523.00 | 6,703.00 | 3,115.00 | -7,079.00 | 9,410.00 | 6,521.00 | 3,384.00 |
| Net Interest | 264,181.00 | 172,832.00 | 85,255.00 | -173,357.00 | 262,165.00 | 173,253.00 | 86,640.00 | -142,240.00 | 251,005.00 | 157,731.00 | 72,878.00 | -99,475.00 | 182,829.00 | 115,778.00 | 54,310.00 | -56,079.00 | 117,816.00 | 75,238.00 | 35,578.00 |
| Non-Interest Income | 77,806.00 | 53,979.00 | 27,099.00 | -50,173.00 | 74,277.00 | 49,483.00 | 25,779.00 | -35,001.00 | 63,279.00 | 40,075.00 | 19,060.00 | -40,452.00 | 59,802.00 | 39,436.00 | 20,050.00 | -1,080.00 | 2,605.00 | 1,461.00 | 658.00 |
| Non-Interest Expense | 211,043.00 | 141,149.00 | 70,787.00 | -135,185.00 | 203,313.00 | 137,223.00 | 68,465.00 | -115,892.00 | 198,798.00 | 127,102.00 | 56,479.00 | -99,791.00 | 153,781.00 | 101,528.00 | 51,629.00 | -47,982.00 | 135,746.00 | 77,886.00 | 37,987.00 |
| Provisions for Credit Losses | 34,112.00 | 26,832.00 | 10,190.00 | -11,420.00 | 18,520.00 | 11,785.00 | 6,102.00 | -11,904.00 | 13,889.00 | 9,836.00 | 3,553.00 | 10,495.00 | -5,811.00 | -7,587.00 | -7.00 | 19,565.00 | 8,691.00 | -6,191.00 | -13,571.00 |
| Gross Profit | -15,417.00 | -14,675.00 | -4,305.00 | -875.00 | 355.00 | 731.00 | -56.00 | 1,387.00 | 4,486.00 | 2,073.00 | 1,890.00 | -269.00 | 10,122.00 | 3,085.00 | 5,246.00 | 13,074.00 | 3,964.00 | 2,138.00 | -9,660.00 |
| Operating Expenses | -112,249.00 | -73,505.00 | -35,682.00 | 75,850.00 | -114,254.00 | -72,997.00 | -37,908.00 | 52,332.00 | -97,111.00 | -58,795.00 | -31,716.00 | 56,562.00 | -84,539.00 | -58,188.00 | -24,292.00 | 30,891.00 | -19,843.00 | -29,599.00 | -28,903.00 |
| Selling, General and Administrative Expenses | 60,751.00 | 40,285.00 | 19,755.00 | -28,916.00 | 53,366.00 | 35,752.00 | 17,755.00 | -36,652.00 | 60,310.00 | 40,574.00 | 14,975.00 | -25,458.00 | 41,786.00 | 26,752.00 | 14,060.00 | -25,073.00 | 39,501.00 | 26,295.00 | 11,297.00 |
| Other Operating Expenses | -173,000.00 | -113,790.00 | -55,437.00 | 104,766.00 | -167,620.00 | -108,749.00 | -55,663.00 | 88,984.00 | -157,421.00 | -99,369.00 | -46,691.00 | 82,020.00 | -126,325.00 | -84,940.00 | -38,352.00 | 55,964.00 | -59,344.00 | -55,894.00 | -40,200.00 |
| Operating Income | 96,832.00 | 58,830.00 | 31,377.00 | -76,725.00 | 114,609.00 | 73,728.00 | 37,852.00 | -50,945.00 | 101,597.00 | 60,868.00 | 33,606.00 | -56,831.00 | 94,661.00 | 61,273.00 | 29,538.00 | -17,817.00 | 23,807.00 | 31,737.00 | 19,243.00 |
| EBT | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Tax | 21,808.00 | 13,282.00 | 7,041.00 | -18,623.00 | 24,334.00 | 15,137.00 | 8,268.00 | -13,850.00 | 22,059.00 | 13,212.00 | 7,046.00 | -13,617.00 | 20,218.00 | 12,808.00 | 5,961.00 | -5,830.00 | 3,999.00 | 6,171.00 | 3,780.00 |
| Net Income | 75,024.00 | 45,548.00 | 24,336.00 | -61,245.00 | 90,275.00 | 58,591.00 | 29,584.00 | -40,391.00 | 79,538.00 | 47,656.00 | 26,560.00 | -45,193.00 | 74,443.00 | 48,465.00 | 23,577.00 | -13,282.00 | 19,808.00 | 25,566.00 | 15,463.00 |
| Deprecation and Amortization | 0.00 | 0.00 | 0.00 | 3,514.00 | 0.00 | 0.00 | 0.00 | 3,668.00 | 0.00 | 0.00 | 0.00 | 17,457.00 | 0.00 | 0.00 | 0.00 | 30,867.00 | 0.00 | 0.00 | 0.00 |
| 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 | 34,957.34 | 34,934.11 | 34,895.72 | 34,859.14 | 34,766.28 | 34,752.42 | 34,740.35 | 40,247.36 | 31,771.06 | 30,222.17 | 27,891.76 | 27,733.80 | 27,929.72 | 27,962.40 | 28,006.17 | 28,931.37 | 19,751.85 | 19,300.16 | 19,282.67 |
| Average Shares Outstanding Diluted | 35,327.82 | 35,299.42 | 35,297.14 | 35,359.34 | 35,106.71 | 35,071.55 | 35,051.81 | 40,729.36 | 31,977.49 | 30,314.50 | 28,021.88 | 27,818.87 | 28,009.26 | 28,041.15 | 28,129.13 | 29,064.01 | 19,890.67 | 19,448.54 | 19,436.31 |
| 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 | 99,402.00 | 84,984.00 | 34,276.00 | 9,432.00 | 103,230.00 | 69,123.00 | 37,009.00 | -49,943.00 | 113,085.00 | 63,223.00 | 47,997.00 | -8,717.00 | 102,500.00 | 62,708.00 | 15,710.00 | 67,628.00 | 66,722.00 | 38,675.00 | 18,322.00 |
| Operating Net Income | 0 | 0 | 0 | 351,615.00 | 0 | 0 | 0 | 340,089.00 | 0 | 0 | 0 | 303,876.00 | 0 | 0 | 0 | 142,665.00 | 0 | 0 | 0 |
| Deprecation and Amortization | 0 | 0 | 0 | 3,514.00 | 0 | 0 | 0 | 3,668.00 | 0 | 0 | 0 | 17,457.00 | 0 | 0 | 0 | 30,867.00 | 0 | 0 | 0 |
| Deferred Income Tax | 0 | 0 | 0 | 6,973.00 | 0 | 0 | 0 | -238.00 | 0 | 0 | 0 | 18,566.00 | 0 | 0 | 0 | 2,874.00 | 0 | 0 | 0 |
| Share Based Compensation | 0 | 0 | 0 | 7,324.00 | 0 | 0 | 0 | 6,842.00 | -410.00 | -271.00 | -136.00 | 248.00 | -378.00 | -252.00 | -124.00 | -378.00 | 309.00 | 249.00 | 194.00 |
| Change in Working Capital | -15.00 | -15.00 | -15.00 | -15,686.00 | -40.00 | -45.00 | -50.00 | 19,703.00 | 0 | 0 | 0 | 3,208.00 | 0 | 0 | 0 | -15,817.00 | -701.00 | 0 | 0 |
| Other Operating Activities | 99,417.00 | 84,999.00 | 34,291.00 | -344,308.00 | 103,270.00 | 69,168.00 | 37,059.00 | -420,007.00 | 113,495.00 | 63,494.00 | 48,133.00 | -352,072.00 | 102,878.00 | 62,960.00 | 15,834.00 | -92,583.00 | 67,114.00 | 38,426.00 | 18,128.00 |
| Investing Cash Flow | -403,396.00 | -330,964.00 | -17,647.00 | 174,665.00 | -126,617.00 | -273,382.00 | -123,085.00 | 114,180.00 | -79,116.00 | -51,212.00 | -89,983.00 | 108,416.00 | -201,572.00 | -196,003.00 | -127,361.00 | 396,941.00 | 106,289.00 | -230,007.00 | -350,292.00 |
| 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 | 5,912.00 | 4,216.00 | 2,748.00 | -9,432.00 | 6,625.00 | 5,759.00 | 3,870.00 | -7,101.00 | 10,620.00 | 7,182.00 | 2,757.00 | -5,770.00 | 7,008.00 | 3,462.00 | 2,053.00 | -2,369.00 | 5,893.00 | 2,850.00 | 311.00 |
| Net Purchase/Sale of Investments Net | 695,584.00 | 336,149.00 | 94,805.00 | -32,689.00 | 656,598.00 | 305,661.00 | 162,340.00 | -684,615.00 | 616,594.00 | 478,155.00 | 355,188.00 | -442,648.00 | 485,865.00 | 418,498.00 | 258,463.00 | 1,155,604.00 | 422,452.00 | 271,912.00 | 180,829.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 1,334.00 | 245.00 | 0 | 0 | 64,188.00 | -92,952.00 | -91,793.00 | 200.00 | -165,086.00 | 85,791.00 | 85,793.00 | 80,532.00 | -229,534.00 | -136,119.00 | 116,644.00 | 117,000.00 |
| Net Loan & Lease Activity | 199,243.00 | 356,075.00 | 58,142.00 | -113,467.00 | 444,128.00 | ||||||||||||||
| Other Investing Activities | -1,489,355.00 | -924,125.00 | -190,004.00 | 332,095.00 | -898,143.00 | -749,291.00 | -332,634.00 | 907,398.00 | -898,580.00 | -628,933.00 | -500,514.00 | 481,008.00 | -744,078.00 | -632,884.00 | -392,669.00 | -678,583.00 | -29,339.00 | -504,972.00 | -656,181.00 |
| Financing Cash Flow | 276,547.00 | 214,391.00 | -47,315.00 | -49,449.00 | -119,628.00 | 13,408.00 | 89,074.00 | 67,922.00 | 111,118.00 | -17,551.00 | 45,118.00 | -63,712.00 | -171,471.00 | 115,953.00 | 101,603.00 | -689,883.00 | 174,571.00 | 285,305.00 | 380,245.00 |
| Net Issuance/Repayment of Debt | 318,323.00 | 221,552.00 | -166,330.00 | 104,446.00 | -353,087.00 | -64,656.00 | -53,808.00 | 35,049.00 | 127,899.00 | 31,427.00 | 1,881.00 | 152,926.00 | 97,439.00 | 255,387.00 | -26,992.00 | 8,049.00 | 34,781.00 | -21,202.00 | -5,082.00 |
| Net Issuance/Repurchase of Equity | 1,936.00 | 1,446.00 | 293.00 | -1,166.00 | 4,130.00 | 3,850.00 | 3,451.00 | 8,236.00 | 998.00 | 726.00 | 397.00 | 4,133.00 | 8,033.00 | 6,563.00 | 282.00 | 60,455.00 | 655.00 | 365.00 | 286.00 |
| Dividends Paid | 43,498.00 | 28,843.00 | 14,561.00 | -27,772.00 | 41,820.00 | 27,887.00 | 13,893.00 | -21,323.00 | 37,899.00 | 24,276.00 | 10,993.00 | 21,520.00 | 31,704.00 | 21,081.00 | 10,438.00 | -10,891.00 | 20,915.00 | 13,898.00 | 7,080.00 |
| Other Financing Activities | -87,210.00 | -37,450.00 | 104,161.00 | -124,957.00 | 187,509.00 | 46,327.00 | 125,538.00 | 45,960.00 | -55,678.00 | -73,980.00 | 31,847.00 | -242,291.00 | -308,647.00 | -167,078.00 | 117,875.00 | -747,496.00 | 118,220.00 | 292,244.00 | 377,961.00 |
| Net Change in Cash | -27,447.00 | -31,589.00 | -30,686.00 | 134,648.00 | -143,015.00 | -190,851.00 | 2,998.00 | 132,159.00 | 145,087.00 | -5,540.00 | 3,132.00 | 35,987.00 | -270,543.00 | -17,342.00 | -10,048.00 | 0 | 0 | 0 | 0 |
| Cash at Beginning of Period | 217,664.00 | 217,664.00 | 217,664.00 | 83,016.00 | 426,722.00 | 426,722.00 | 426,722.00 | 294,563.00 | 154,022.00 | 154,022.00 | 154,022.00 | 118,035.00 | 415,727.00 | 415,727.00 | 415,727.00 | 0.00 | 0 | 0 | 0 |
| Cash at End of Period | 190,217.00 | 186,075.00 | 186,978.00 | 217,664.00 | 283,707.00 | 235,871.00 | 429,720.00 | 426,722.00 | 299,109.00 | 148,482.00 | 157,154.00 | 154,022.00 | 145,184.00 | 398,385.00 | 405,679.00 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |