PKBK
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 8.92 | 8.51 | 5.91 | 6.20 | |
| Price to Sales | |||||
| Book Value Per Common Share | 25.10 | 23.80 | 22.26 | 19.55 | 16.96 |
| Price to Book | 0.82 | 0.85 | 0.93 | 1.09 | |
| Price to Operating Cash Flow | 5.18 | 7.64 | 4.79 | 5.25 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 23730.48 | 26875.41 | 33515.74 | 31412.18 |
| 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 | 9.54 | 14.98 | 28.55 | 12.44 | 16.57 | 33.77 | 9.58 | 10.55 | 19.12 | 7.97 | 11.98 | 27.78 | 8.49 | 11.51 | 25.30 |
| Price to Sales | |||||||||||||||
| Book Value Per Common Share | 26.64 | 26.36 | 25.85 | 24.79 | 24.48 | 24.12 | 23.27 | 23.37 | 22.87 | 21.60 | 20.92 | 20.18 | 18.87 | 18.15 | 17.57 |
| Price to Book | 0.81 | 0.77 | 0.73 | 0.84 | 0.71 | 0.71 | 0.70 | 0.73 | 0.78 | 0.97 | 1.00 | 1.17 | 1.16 | 1.08 | 1.14 |
| Price to Operating Cash Flow | 10.14 | 17.53 | 31.86 | 9.38 | 12.06 | 24.67 | 13.91 | 13.79 | 20.13 | 7.28 | 11.40 | 32.42 | 8.82 | 12.29 | 21.48 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA | 29618.43 | 43057.27 | 80507.24 | 33005.60 | 42660.93 | 85988.61 | 32116.54 | 44473.50 | 90422.36 | 49038.26 | 74911.10 | 173502.12 | 49954.68 | 67193.31 | 142228.63 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -3.36 | -32.19 | 2.33 | 42.92 | |
| Revenue YoY | |||||
| EBITDA YoY | 14.79 | 22.04 | -8.41 | 21.03 | |
| Net Profit YoY | -3.34 | -31.95 | 2.61 | 43.38 |
| 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 | 66.18 | 106.06 | 60.00 | 105.88 | 5.59 | 73.12 | 50.29 | 105.88 | 51.76 | 115.19 | |||||
| Revenue YoY | |||||||||||||||
| EBITDA YoY | 53.49 | 102.22 | 55.25 | 103.64 | 32.77 | 94.29 | 52.81 | 105.70 | 50.65 | 107.28 | |||||
| Net Profit YoY | 66.19 | 106.49 | 59.56 | 104.94 | 5.34 | 73.05 | 50.60 | 106.41 | 52.02 | 114.08 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 18.53 | 15.10 | 15.28 | 50.18 | 38.70 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 2.85 | 2.83 | 2.97 | 3.73 | 4.20 |
| 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 | 13.48 | 15.56 | 17.66 | 14.42 | 14.02 | 14.31 | 10.61 | 11.51 | 12.22 | 16.23 | 33.02 | 42.32 | 52.49 | 44.67 | 42.48 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 5.90 | 5.95 | 6.00 | 5.97 | 5.92 | 5.97 | 6.14 | 6.10 | 6.19 | 6.47 | 6.99 | 7.55 | 8.55 | 8.68 | 9.02 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.11 | 1.21 | 1.82 | 1.69 | 1.22 |
| ROE | 4.26 | 4.63 | 7.23 | 7.99 | 6.37 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin |
| 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 | 1.23 | 0.74 | 0.36 | 0.97 | 0.62 | 0.31 | 1.02 | 0.97 | 0.57 | 1.63 | 1.05 | 0.49 | 1.42 | 0.96 | 0.45 |
| ROE | 8.48 | 5.15 | 2.54 | 6.78 | 4.31 | 2.13 | 7.30 | 6.90 | 4.08 | 12.19 | 8.36 | 4.20 | 13.60 | 9.30 | 4.49 |
| Gross Margin | |||||||||||||||
| Operating Margin | |||||||||||||||
| EBITDA Margin | |||||||||||||||
| Net Profit Margin |
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 | 2,488,731.00 | 2,354,075.00 | 2,297,004.00 | 2,414,371.00 | 2,322,023.00 |
| Deposits | 3,414,000.00 | 3,202,354.00 | 3,329,262.00 | 3,912,020.00 | 3,444,286.00 |
| Cash and Short-Term Investments | 221,527.00 | 180,376.00 | 182,150.00 | 596,553.00 | 458,601.00 |
| Cash and Cash Equivalents | 221,527.00 | 180,376.00 | 182,150.00 | 596,553.00 | 458,601.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 9,685.60 | 8,555.00 | 8,768.00 | 67,371.00 | 7,875,705.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 7,528.00 | 8,034.00 | 8,614.00 | 8,327.00 | 9,001.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 9,113.00 | 9,262.00 | 9,184.00 | 7,608.00 | 8,611.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 1,842,163.00 | 1,739,183.00 | 1,718,881.00 | 1,904,084.00 | 1,875,725.00 |
| 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 | 646,568.00 | 614,892.00 | 578,123.00 | 510,287.00 | 446,298.00 |
| Shareholders Equity | 300,073.00 | 284,317.00 | 265,263.00 | 232,361.00 | 200,925.00 |
| Capital Stock | 1,556.00 | 1,599.00 | 1,668.00 | 1,663.00 | 1,694.00 |
| Share Premium | 137,784.00 | 136,700.00 | 136,201.00 | 135,451.00 | 134,989.00 |
| Retained Earnings | 168,347.00 | 149,437.00 | 131,706.00 | 98,017.00 | 66,794.00 |
| Treasury Shares | 7,277.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 |
| Accumulated Other Comprehensive Income | -337.00 | -404.00 | -526.00 | 245.00 | 463.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 1,672.00 |
| Investments | 14,760.00 | 16,387.00 | 18,744.00 | 23,269.00 | 6,433,956.00 |
| Debt | 143,303.00 | 142,736.00 | 142,166.00 | 141,599.00 | 141,029.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Preferred Shares Outstanding | 0.33 | 0.38 | 0.45 | 0.45 | 0.48 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 0 | 0 | 0 | 500.00 | 7,646.00 |
| Interest Income | 266,657.00 | 125,524.00 | 99,021.00 | 94,833.00 | 90,758.00 |
| Interest Expense | 66,405.00 | 51,816.00 | 17,020.00 | 15,652.00 | 23,513.00 |
| Net Interest | 58,708.00 | 64,214.00 | 73,327.00 | 69,116.00 | 62,645.00 |
| Non-Interest Income | 4,301.00 | 6,692.00 | 8,382.00 | 8,799.00 | 4,183.00 |
| Non-Interest Expense | 25,984.00 | 35,267.00 | 23,833.00 | 22,503.00 | 20,296.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 500.00 | 7,646.00 |
| Selling, General and Administrative Expenses | 6,694.00 | 6,317.00 | 6,064.00 | 7,411.00 | 5,308.00 |
| EBT | 36,297.00 | 37,690.00 | 56,076.00 | 64,224.00 | 42,478.00 |
| Income Tax | 8,785.00 | 9,228.00 | 14,253.00 | 13,937.00 | 10,011.00 |
| Net Income Including Non-Controlling Interests | 0 | 0 | 125,469.00 | 40,545.00 | 27,981.00 |
| Net Income Non-Controlling Interests | 0 | 0 | -83,646.00 | 215.00 | 447.00 |
| Net Income | 27,512.00 | 28,462.00 | 41,823.00 | 40,760.00 | 28,428.00 |
| EBIT | 102,702.00 | 89,506.00 | 73,096.00 | 79,876.00 | 65,991.00 |
| Deprecation and Amortization | 616.00 | 501.00 | 655.00 | 647.00 | 541.00 |
| EBITDA | 103,318.00 | 90,007.00 | 73,751.00 | 80,523.00 | 66,532.00 |
| 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 | 11,954.48 | 11,945.74 | 11,918.32 | 11,888.43 | 11,850.22 |
| Average Shares Outstanding Diluted | 12,139.45 | 12,137.05 | 12,175.44 | 12,120.72 | 11,989.61 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 47,352.00 | 31,666.00 | 51,595.00 | 48,183.00 | 41,107.00 |
| Operating Net Income | 110,048.00 | 85,386.00 | 125,469.00 | 122,710.00 | 86,178.00 |
| Deprecation and Amortization | 616.00 | 501.00 | 655.00 | 647.00 | 541.00 |
| Deferred Income Tax | 126.00 | 6.00 | -1,308.00 | 1,079.00 | -2,295.00 |
| Share Based Compensation | 336.00 | 397.00 | 349.00 | 230.00 | 265.00 |
| Change in Working Capital | 1,662.00 | 5,289.00 | 3,898.00 | -3,183.00 | 8,544.00 |
| Other Operating Activities | -65,436.00 | -59,913.00 | -77,468.00 | -73,300.00 | -52,126.00 |
| Investing Cash Flow | -80,071.00 | -34,892.00 | -262,944.00 | 79,189.00 | -160,787.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 119.00 | 105.00 | 150.00 | 64.00 | 251.00 |
| Net Purchase/Sale of Investments Net | 1,762.00 | 2,720.00 | 5,921.00 | 15,245.00 | 11,383.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | -81,952.00 | -37,717.00 | -269,015.00 | 63,880.00 | -172,421.00 |
| Financing Cash Flow | 73,906.00 | 1,504.00 | -202,389.00 | 12,690.00 | 385,872.00 |
| Net Issuance/Repayment of Debt | 95,000.00 | 148,150.00 | 45,000.00 | -146,526.00 | 148,130.00 |
| Net Issuance/Repurchase of Equity | 5,674.00 | 33.00 | 406.00 | 201.00 | 0 |
| Dividends Paid | 8,602.00 | 8,629.00 | 7,886.00 | 7,633.00 | 7,444.00 |
| Other Financing Activities | -35,370.00 | -155,308.00 | -255,681.00 | 151,382.00 | 230,298.00 |
| Net Change in Cash | 41,187.00 | -1,722.00 | -413,738.00 | 140,062.00 | 266,192.00 |
| Cash at Beginning of Period | 180,340.00 | 182,098.00 | 595,888.00 | 456,491.00 | 192,409.00 |
| Cash at End of Period | 221,527.00 | 180,376.00 | 182,150.00 | 596,553.00 | 458,601.00 |
| 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 | 2,172,134.00 | 2,170,332.00 | 2,141,855.00 | 2,488,731.00 | 2,065,409.00 | 2,027,138.00 | 2,009,073.00 | 2,354,075.00 | 1,983,672.00 | 1,982,466.00 | 1,964,245.00 | 2,297,004.00 | 1,923,232.00 | 1,990,383.00 | 2,054,191.00 | 2,414,371.00 | 2,155,648.00 | 2,101,468.00 | 2,103,142.00 | 2,322,023.00 |
| Deposits | 3,730,562.00 | 3,607,924.00 | 3,529,362.00 | 3,414,000.00 | 3,234,266.00 | 3,135,382.00 | 3,234,808.00 | 3,202,354.00 | 3,159,862.00 | 3,004,370.00 | 3,051,088.00 | 3,329,262.00 | 3,278,558.00 | 3,488,412.00 | 3,643,520.00 | 3,912,020.00 | 3,916,980.00 | 3,776,904.00 | 3,817,230.00 | 3,444,286.00 |
| Cash and Short-Term Investments | 159,313.00 | 184,254.00 | 209,036.00 | 221,527.00 | 172,449.00 | 167,678.00 | 171,093.00 | 180,376.00 | 126,740.00 | 137,497.00 | 145,974.00 | 182,150.00 | 193,344.00 | 393,241.00 | 503,829.00 | 596,553.00 | 623,825.00 | 530,794.00 | 504,357.00 | 458,601.00 |
| Cash and Cash Equivalents | 159,313.00 | 184,254.00 | 209,036.00 | 221,527.00 | 172,449.00 | 167,678.00 | 171,093.00 | 180,376.00 | 126,740.00 | 137,497.00 | 145,974.00 | 182,150.00 | 193,344.00 | 393,241.00 | 503,829.00 | 596,553.00 | 623,825.00 | 530,794.00 | 504,357.00 | 458,601.00 |
| 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 | 10,677.00 | 10,166.00 | 10,111.00 | 9,685.60 | 9,242.00 | 9,067.00 | 8,865.00 | 8,555.00 | 8,267.00 | 8,066.00 | 8,930.00 | 8,768.00 | 8,028.00 | 7,386.00 | 67,306.00 | 67,371.00 | 67,429.00 | 68,602.00 | 7,879,549.00 | 7,875,705.00 |
| 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 | 5,573.00 | 5,581.00 | 5,597.00 | 7,528.00 | 5,365.00 | 5,441.00 | 5,501.00 | 8,034.00 | 5,665.00 | 5,749.00 | 5,842.00 | 8,614.00 | 6,008.00 | 8,029.00 | 8,186.00 | 8,327.00 | 8,492.00 | 8,658.00 | 8,839.00 | 9,001.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 | 9,074.00 | 9,083.00 | 9,095.00 | 9,113.00 | 9,214.00 | 9,262.00 | 9,271.00 | 9,262.00 | 9,940.00 | 9,894.00 | 9,878.00 | 9,184.00 | 7,891.00 | 7,767.00 | 7,742.00 | 7,608.00 | 8,651.00 | 8,643.00 | 8,640.00 | 8,611.00 |
| 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 | 1,857,297.00 | 1,858,176.00 | 1,835,913.00 | 1,842,163.00 | 1,768,949.00 | 1,734,338.00 | 1,720,687.00 | 1,739,183.00 | 1,705,693.00 | 1,703,326.00 | 1,691,139.00 | 1,718,881.00 | 1,665,904.00 | 1,741,266.00 | 1,813,912.00 | 1,904,084.00 | 1,929,961.00 | 1,884,457.00 | 1,893,198.00 | 1,875,725.00 |
| 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 | 314,837.00 | 312,156.00 | 305,942.00 | 646,568.00 | 296,460.00 | 292,800.00 | 288,386.00 | 614,892.00 | 277,979.00 | 279,140.00 | 273,106.00 | 578,123.00 | 257,328.00 | 249,117.00 | 240,279.00 | 510,287.00 | 225,687.00 | 217,011.00 | 209,944.00 | 446,298.00 |
| Shareholders Equity | 314,837.00 | 312,156.00 | 305,942.00 | 300,073.00 | 296,460.00 | 292,800.00 | 288,386.00 | 284,317.00 | 277,979.00 | 279,140.00 | 273,106.00 | 265,263.00 | 257,328.00 | 249,117.00 | 240,279.00 | 232,361.00 | 224,256.00 | 215,622.00 | 208,622.00 | 200,925.00 |
| Capital Stock | 1,562.00 | 1,558.00 | 1,558.00 | 1,556.00 | 1,551.00 | 1,550.00 | 1,600.00 | 1,599.00 | 1,668.00 | 1,668.00 | 1,668.00 | 1,668.00 | 1,666.00 | 1,665.00 | 1,665.00 | 1,663.00 | 1,688.00 | 1,688.00 | 1,687.00 | 1,694.00 |
| Share Premium | 138,607.00 | 138,014.00 | 137,951.00 | 137,784.00 | 137,130.00 | 136,946.00 | 136,801.00 | 136,700.00 | 136,547.00 | 136,447.00 | 136,341.00 | 136,201.00 | 135,885.00 | 135,709.00 | 135,623.00 | 135,451.00 | 135,383.00 | 135,318.00 | 135,246.00 | 134,989.00 |
| Retained Earnings | 188,684.00 | 180,141.00 | 173,995.00 | 168,347.00 | 163,085.00 | 157,725.00 | 153,430.00 | 149,437.00 | 143,422.00 | 144,550.00 | 138,577.00 | 131,706.00 | 123,409.00 | 115,020.00 | 106,194.00 | 98,017.00 | 89,853.00 | 81,262.00 | 74,324.00 | 66,794.00 |
| Treasury Shares | 13,789.00 | 7,306.00 | 7,277.00 | 7,277.00 | 5,039.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 | 3,015.00 |
| Accumulated Other Comprehensive Income | -227.00 | -251.00 | -285.00 | -337.00 | -267.00 | -406.00 | -430.00 | -404.00 | -643.00 | -510.00 | -465.00 | -526.00 | -617.00 | -262.00 | -188.00 | 245.00 | 347.00 | 369.00 | 380.00 | 463.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,431.00 | 1,389.00 | 1,322.00 | 1,672.00 |
| Investments | 13,859.00 | 14,001.00 | 14,340.00 | 14,760.00 | 15,269.00 | 15,509.00 | 15,911.00 | 16,387.00 | 16,590.00 | 17,758.00 | 18,336.00 | 18,744.00 | 19,365.00 | 20,641.00 | 21,707.00 | 23,269.00 | 24,635.00 | 17,384.00 | 6,437,774.00 | 6,433,956.00 |
| Debt | 13,403.00 | 43,395.00 | 43,348.00 | 143,303.00 | 43,253.00 | 43,206.00 | 43,158.00 | 142,736.00 | 43,063.00 | 43,016.00 | 42,969.00 | 142,166.00 | 42,874.00 | 42,826.00 | 42,779.00 | 141,599.00 | 42,684.00 | 42,637.00 | 42,589.00 | 141,029.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Shares Outstanding | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.33 | 0.38 | 0.38 | 0.45 | 0.45 | 0.45 | 0.45 | 0.45 | 0.45 | 0.45 | 0.45 | 0.47 | 0.47 | 0.47 | 0.48 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cost Of Revenue | 1,938.00 | 1,574.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,000.00 | 500.00 | 500.00 | 500.00 |
| Interest Income | 106,117.00 | 69,390.00 | 67,980.00 | 84,220.00 | 92,548.00 | 60,163.00 | 29,726.00 | -37,589.00 | 83,151.00 | 53,728.00 | 26,234.00 | -24,362.00 | 63,045.00 | 40,513.00 | 19,825.00 | -31,296.00 | 63,059.00 | 42,309.00 | 20,761.00 |
| Interest Expense | 50,737.00 | 34,392.00 | 17,239.00 | -29,016.00 | 48,698.00 | 31,300.00 | 15,423.00 | -11,042.00 | 33,707.00 | 20,276.00 | 8,875.00 | 1,347.00 | 8,069.00 | 5,068.00 | 2,536.00 | -5,277.00 | 10,136.00 | 7,038.00 | 3,755.00 |
| Net Interest | 54,642.00 | 34,478.00 | 16,607.00 | -26,801.00 | 43,089.00 | 28,366.00 | 14,054.00 | -34,649.00 | 48,699.00 | 33,015.00 | 17,149.00 | -33,258.00 | 54,411.00 | 35,074.00 | 17,100.00 | -34,950.00 | 52,371.00 | 34,889.00 | 16,806.00 |
| Non-Interest Income | 2,488.00 | 1,637.00 | 821.00 | -2,188.00 | 3,164.00 | 2,263.00 | 1,062.00 | -3,681.00 | 5,213.00 | 3,378.00 | 1,782.00 | -4,860.00 | 6,577.00 | 4,590.00 | 2,075.00 | -4,291.00 | 6,524.00 | 4,329.00 | 2,237.00 |
| Non-Interest Expense | 20,383.00 | 13,218.00 | 6,538.00 | -12,456.00 | 19,135.00 | 12,770.00 | 6,535.00 | -13,606.00 | 28,981.00 | 13,131.00 | 6,761.00 | -10,917.00 | 17,682.00 | 11,390.00 | 5,678.00 | -11,673.00 | 16,917.00 | 11,489.00 | 5,770.00 |
| Provisions for Credit Losses | 1,938.00 | 1,574.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,000.00 | 500.00 | 500.00 | 500.00 |
| Selling, General and Administrative Expenses | 5,581.00 | 3,575.00 | 1,822.00 | -2,258.00 | 4,562.00 | 2,938.00 | 1,452.00 | -2,987.00 | 4,721.00 | 3,045.00 | 1,538.00 | -3,000.00 | 4,546.00 | 2,998.00 | 1,520.00 | -3,404.00 | 5,499.00 | 3,574.00 | 1,742.00 |
| EBT | 34,809.00 | 21,323.00 | 10,300.00 | -15,824.00 | 26,572.00 | 17,172.00 | 8,377.00 | -28,573.00 | 26,531.00 | 25,162.00 | 14,570.00 | -27,701.00 | 42,356.00 | 27,924.00 | 13,497.00 | -17,256.00 | 41,478.00 | 27,229.00 | 12,773.00 |
| Income Tax | 8,118.00 | 5,262.00 | 2,522.00 | -4,465.00 | 6,458.00 | 4,566.00 | 2,226.00 | -6,356.00 | 6,242.00 | 5,902.00 | 3,440.00 | -7,235.00 | 10,987.00 | 7,095.00 | 3,406.00 | -6,773.00 | 10,584.00 | 6,879.00 | 3,247.00 |
| Net Income Including Non-Controlling Interests | 26,691.00 | 16,061.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -61,398.00 | 94,107.00 | 62,487.00 | 30,273.00 | -141,297.00 | 92,475.00 | 60,886.00 | 28,481.00 |
| Net Income Non-Controlling Interests | 0.00 | 0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 40,932.00 | -62,738.00 | -41,658.00 | -20,182.00 | 121,755.00 | -61,788.00 | -40,700.00 | -19,052.00 |
| Net Income | 26,691.00 | 16,061.00 | 7,778.00 | -11,359.00 | 20,114.00 | 12,606.00 | 6,151.00 | -22,217.00 | 20,289.00 | 19,260.00 | 11,130.00 | -20,466.00 | 31,369.00 | 20,829.00 | 10,091.00 | -19,542.00 | 30,687.00 | 20,186.00 | 9,429.00 |
| EBIT | 85,546.00 | 55,715.00 | 27,539.00 | -44,840.00 | 75,270.00 | 48,472.00 | 23,800.00 | -39,615.00 | 60,238.00 | 45,438.00 | 23,445.00 | -26,354.00 | 50,425.00 | 32,992.00 | 16,033.00 | -22,533.00 | 51,614.00 | 34,267.00 | 16,528.00 |
| Deprecation and Amortization | 425.00 | 295.00 | 158.00 | -307.00 | 461.00 | 308.00 | 154.00 | -78.00 | 347.00 | 192.00 | 40.00 | -328.00 | 491.00 | 327.00 | 165.00 | -303.00 | 481.00 | 314.00 | 155.00 |
| EBITDA | 85,971.00 | 56,010.00 | 27,697.00 | -45,147.00 | 75,731.00 | 48,780.00 | 23,954.00 | -39,693.00 | 60,585.00 | 45,630.00 | 23,485.00 | -26,682.00 | 50,916.00 | 33,319.00 | 16,198.00 | -22,836.00 | 52,095.00 | 34,581.00 | 16,683.00 |
| 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 | 11,816.58 | 11,839.86 | 11,836.38 | 11,938.50 | 11,960.17 | 11,960.49 | 11,958.78 | 11,948.86 | 11,945.14 | 11,944.79 | 11,944.16 | 11,944.97 | 11,913.08 | 11,909.89 | 11,905.33 | 11,913.86 | 11,885.71 | 11,881.90 | 11,872.25 |
| Average Shares Outstanding Diluted | 11,989.95 | 12,007.59 | 12,006.97 | 12,158.82 | 12,134.83 | 12,125.55 | 12,138.61 | 12,110.31 | 12,137.21 | 12,139.90 | 12,160.79 | 12,160.08 | 12,178.57 | 12,182.79 | 12,180.32 | 12,148.36 | 12,115.39 | 12,110.27 | 12,108.85 |
| 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 | 25,113.00 | 13,758.00 | 6,999.00 | -4,890.00 | 26,643.00 | 17,249.00 | 8,350.00 | -7,583.00 | 13,984.00 | 14,716.00 | 10,549.00 | -13,274.00 | 34,297.00 | 21,903.00 | 8,669.00 | -11,278.00 | 29,498.00 | 18,912.00 | 11,051.00 |
| Operating Net Income | 26,691.00 | 16,061.00 | 23,334.00 | 71,177.00 | 20,114.00 | 12,606.00 | 6,151.00 | 12,447.00 | 20,289.00 | 19,260.00 | 33,390.00 | -61,398.00 | 94,107.00 | 62,487.00 | 30,273.00 | -59,132.00 | 92,475.00 | 60,886.00 | 28,481.00 |
| Deprecation and Amortization | 425.00 | 295.00 | 158.00 | -307.00 | 461.00 | 308.00 | 154.00 | -78.00 | 347.00 | 192.00 | 40.00 | -328.00 | 491.00 | 327.00 | 165.00 | -303.00 | 481.00 | 314.00 | 155.00 |
| Deferred Income Tax | 0 | 0 | 0 | 126.00 | 0 | 0 | 0 | 6.00 | 0 | 0 | 0 | -1,308.00 | 0 | 0 | 0 | 1,079.00 | 0 | 0 | 0 |
| Share Based Compensation | 179.00 | 133.00 | 70.00 | -67.00 | 215.00 | 142.00 | 46.00 | -236.00 | 313.00 | 213.00 | 107.00 | -98.00 | 252.00 | 135.00 | 60.00 | -97.00 | 168.00 | 109.00 | 50.00 |
| Change in Working Capital | -551.00 | 177.00 | -2,592.00 | 4,589.00 | 544.00 | -1,776.00 | -1,695.00 | -5,899.00 | 6,648.00 | 3,097.00 | 1,443.00 | 1,416.00 | 1,543.00 | -2,485.00 | 3,424.00 | -7,076.00 | -217.00 | 1,297.00 | 2,813.00 |
| Other Operating Activities | -1,631.00 | -2,908.00 | -13,971.00 | -80,408.00 | 5,309.00 | 5,969.00 | 3,694.00 | -13,823.00 | -13,613.00 | -8,046.00 | -24,431.00 | 48,442.00 | -62,096.00 | -38,561.00 | -25,253.00 | 54,251.00 | -63,409.00 | -43,694.00 | -20,448.00 |
| Investing Cash Flow | -91,582.00 | -64,246.00 | -13,090.00 | -12,062.00 | -52,303.00 | -19,298.00 | 3,592.00 | 65,970.00 | -47,956.00 | -38,492.00 | -14,414.00 | -3,518.00 | -191,623.00 | -59,410.00 | -8,393.00 | -80,875.00 | 88,310.00 | 50,199.00 | 21,555.00 |
| 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 | 549.00 | 442.00 | 381.00 | -24.00 | 72.00 | 53.00 | 18.00 | -273.00 | 116.00 | 129.00 | 133.00 | -32.00 | 88.00 | 56.00 | 38.00 | -36.00 | 47.00 | 28.00 | 25.00 |
| Net Purchase/Sale of Investments Net | 2,079.00 | 898.00 | 500.00 | -922.00 | 1,335.00 | 897.00 | 452.00 | -989.00 | 2,185.00 | 1,025.00 | 499.00 | -5,130.00 | 4,634.00 | 3,832.00 | 2,585.00 | -4,392.00 | 13,910.00 | 3,809.00 | 1,918.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | -94,210.00 | -65,586.00 | -13,971.00 | -11,116.00 | -53,710.00 | -20,248.00 | 3,122.00 | 67,232.00 | -50,257.00 | -39,646.00 | -15,046.00 | 1,644.00 | -196,345.00 | -63,298.00 | -11,016.00 | -76,447.00 | 74,353.00 | 46,362.00 | 19,612.00 |
| Financing Cash Flow | 4,255.00 | 13,215.00 | -6,400.00 | 88,047.00 | 17,733.00 | -10,649.00 | -21,225.00 | 76,130.00 | -21,438.00 | -20,877.00 | -32,311.00 | 302,299.00 | -245,883.00 | -165,805.00 | -93,000.00 | -50,958.00 | 47,416.00 | 3,082.00 | 13,150.00 |
| Net Issuance/Repayment of Debt | -55,000.00 | -45,000.00 | -40,000.00 | -320,000.00 | 95,000.00 | 200,000.00 | 120,000.00 | -124,850.00 | 28,000.00 | 103,000.00 | 142,000.00 | 40,000.00 | 5,000.00 | 0 | 0 | 233,052.00 | -133,526.00 | -123,026.00 | -123,026.00 |
| Net Issuance/Repurchase of Equity | 7,133.00 | 128.00 | 99.00 | 3,370.00 | 2,192.00 | 56.00 | 56.00 | -66.00 | 33.00 | 33.00 | 33.00 | -18.00 | 185.00 | 125.00 | 114.00 | -433.00 | 220.00 | 214.00 | 200.00 |
| Dividends Paid | 6,414.00 | 4,267.00 | 2,130.00 | -4,340.00 | 6,466.00 | 4,318.00 | 2,158.00 | -4,313.00 | 6,471.00 | 4,314.00 | 2,157.00 | -5,741.00 | 7,887.00 | 3,826.00 | 1,914.00 | -8,953.00 | 8,075.00 | 6,165.00 | 2,346.00 |
| Other Financing Activities | 45,708.00 | 53,820.00 | 31,371.00 | 409,017.00 | -85,925.00 | -215,023.00 | -143,439.00 | 205,359.00 | -55,942.00 | -128,224.00 | -176,501.00 | 268,058.00 | -258,955.00 | -169,756.00 | -95,028.00 | -274,624.00 | 172,647.00 | 119,729.00 | 133,630.00 |
| Net Change in Cash | -62,214.00 | -37,273.00 | -12,491.00 | 71,095.00 | -7,927.00 | -12,698.00 | -9,283.00 | 134,517.00 | -55,410.00 | -44,653.00 | -36,176.00 | 285,507.00 | -403,209.00 | -203,312.00 | -92,724.00 | -143,111.00 | 165,224.00 | 72,193.00 | 45,756.00 |
| Cash at Beginning of Period | 221,527.00 | 221,527.00 | 221,527.00 | 150,432.00 | 180,376.00 | 180,376.00 | 180,376.00 | 45,859.00 | 182,150.00 | 182,150.00 | 182,150.00 | -103,357.00 | 596,553.00 | 596,553.00 | 596,553.00 | 739,664.00 | 458,601.00 | 458,601.00 | 458,601.00 |
| Cash at End of Period | 159,313.00 | 184,254.00 | 209,036.00 | 221,527.00 | 172,449.00 | 167,678.00 | 171,093.00 | 180,376.00 | 126,740.00 | 137,497.00 | 145,974.00 | 182,150.00 | 193,344.00 | 393,241.00 | 503,829.00 | 596,553.00 | 623,825.00 | 530,794.00 | 504,357.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |