RC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | -2.59 | 4.56 | 6.44 | 7.20 | |
| Price to Sales | |||||
| Book Value Per Common Share | 11.29 | 14.74 | 16.21 | 16.83 | 15.00 |
| Price to Book | 0.60 | 0.70 | 0.69 | 0.93 | |
| Price to Operating Cash Flow | 4.20 | 29.44 | 3.32 | -31.09 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 17906.41 | 9822.07 | 11681.64 | 18474.42 |
| 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 | -387.00 | 36.42 | 10.83 | -10.17 | -12.03 | -20.75 | 4.34 | 4.90 | 33.90 | 6.11 | 10.55 | 21.51 | 9.82 | 18.67 | 27.39 | |||||
| Price to Sales | ||||||||||||||||||||
| Book Value Per Common Share | 10.97 | 11.12 | 11.25 | 11.29 | 13.25 | 13.63 | 14.10 | 14.74 | 15.07 | 15.17 | 16.07 | 16.21 | 16.37 | 16.26 | 21.11 | 16.83 | 16.60 | 17.82 | 16.28 | 15.00 |
| Price to Book | 0.35 | 0.39 | 0.45 | 0.60 | 0.58 | 0.60 | 0.65 | 0.70 | 0.67 | 0.74 | 0.63 | 0.69 | 0.62 | 0.73 | 0.71 | 0.93 | 0.87 | 0.89 | 0.82 | |
| Price to Operating Cash Flow | 1.45 | 88.64 | 7.75 | 5.27 | 56.85 | 66.98 | 17.31 | 36.72 | -1240.24 | 7.53 | 15.22 | 89.59 | -11.93 | 48.56 | -15.19 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 6104.19 | 9553.56 | 15441.50 | 83888.87 | 3673964.43 | 12427.46 | 20060.57 | 31335.74 | 15409.37 | 30670.08 | 63547.93 | 22779.55 | 37094.88 | 66024.67 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 30.06 | -20.28 | 167.90 | ||
| Revenue YoY | |||||
| EBITDA YoY | -65.52 | 70.46 | 64.32 | 39.74 | |
| Net Profit YoY | 77.95 | 23.98 | 234.84 |
| 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 | -74.47 | 1.30 | 666.67 | 46.90 | 61.43 | 72.94 | 73.47 | |||||||||||||
| Revenue YoY | ||||||||||||||||||||
| EBITDA YoY | 36.49 | 32.25 | 16.00 | 3991.97 | 45.00 | 168.33 | 68.83 | 113.87 | 51.58 | 110.45 | ||||||||||
| Net Profit YoY | -74.17 | 15.59 | 744.88 | 52.98 | 87.97 | 79.25 | 97.25 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 0.85 | 1.89 | 3.06 | 6.83 | 5.17 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.67 | 3.22 | 4.05 | 1.93 | 1.55 |
| 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 | 0.89 | 0.98 | 1.25 | 0.88 | 1.07 | 2.66 | 1.93 | 1.61 | 2.80 | 3.76 | 2.10 | 2.96 | 3.95 | 2.57 | 4.84 | 6.17 | 6.30 | 6.27 | 10.86 | 5.11 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 0.47 | 0.48 | 0.57 | 0.67 | -8.61 | 3.13 | 3.19 | 3.22 | 3.32 | 3.27 | 4.04 | 4.05 | 4.15 | 4.12 | 4.23 | 1.93 | -8.34 | 2.51 | 2.16 | 1.55 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | -1.51 | 1.70 | 1.01 | 0.80 | 0.42 |
| ROE | -2.53 | 7.16 | 5.08 | 2.34 | 1.06 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin |
| 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 | 0.00 | 0.07 | 0.27 | -1.10 | -0.63 | -0.41 | 1.61 | 1.41 | 0.18 | 0.97 | 0.62 | 0.35 | 0.89 | 0.32 | 0.18 | |||||
| ROE | 0.00 | 0.11 | 0.42 | 8.37 | -2.60 | -1.70 | 6.96 | 6.02 | 0.88 | 5.02 | 3.19 | 1.85 | -6.51 | 1.12 | 0.58 | |||||
| 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 | 2024-12-31 | 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 | 29,303,691.00 | 19,533,450.00 | 18,507,295.00 | 18,858,033.00 | 10,766,637.00 |
| Cash and Short-Term Investments | 143,803.00 | 277,735.00 | 327,079.00 | 468,103.00 | 277,970.00 |
| Cash and Cash Equivalents | 143,803.00 | 277,735.00 | 327,079.00 | 468,103.00 | 277,970.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 8,308,210.00 | 10,747,681.00 | 10,333,370.00 | 21,873.00 | 17,200.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 7,362.00 | 2,539.00 | 1,687.00 | 2,402.00 | 3,172.00 |
| Real Estate | 193,437.00 | 252,949.00 | 117,098.00 | 42,288.00 | 45,348.00 |
| Goodwill | 49,501.00 | 38,530.00 | 37,818.00 | 31,470.00 | 11,206.00 |
| Intangible Assets | 37,006.00 | 17,749.00 | 16,308.00 | 14,842.00 | 6,986.00 |
| Long-Term Investments | 161,561.00 | 133,321.00 | 118,641.00 | 215,482.00 | 107,799.00 |
| Non-Current Deferred Assets | 111,325.00 | 0 | 977.00 | 3,601.00 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 11,782,540.00 | 14,904,176.00 | 14,840,939.00 | 12,430,919.00 | 6,539,774.00 |
| Payables and Expenses | 39,565.00 | 33,961.00 | 38,245.00 | 42,715.00 | 35,724.00 |
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 39,565.00 | 33,961.00 | 38,245.00 | 42,715.00 | 35,724.00 |
| 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 | 17,521,151.00 | 4,629,274.00 | 3,666,356.00 | 6,427,114.00 | 4,226,863.00 |
| Shareholders Equity | 1,838,045.00 | 2,539,937.00 | 1,791,088.00 | 1,276,104.00 | 815,396.00 |
| Capital Stock | 231,134.00 | 231,134.00 | 231,128.00 | 231,125.00 | 5.00 |
| Share Premium | 2,250,291.00 | 2,321,989.00 | 1,684,074.00 | 1,161,853.00 | 849,541.00 |
| Retained Earnings | -505,089.00 | 124,413.00 | 4,994.00 | 8,598.00 | -24,203.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -18,552.00 | -17,860.00 | -9,369.00 | -5,733.00 | -9,947.00 |
| Minority Interest | 97,697.00 | 98,464.00 | 99,146.00 | 4,494.00 | 18,812.00 |
| Investments | 354,974.00 | 133,321.00 | 247,200.00 | 215,482.00 | 107,799.00 |
| Debt | 9,686,041.00 | 18,545,206.00 | 21,420,666.00 | 17,553,758.00 | 9,594,108.00 |
| Net Debt | 9,542,238.00 | 18,267,471.00 | 21,093,587.00 | 17,085,655.00 | 9,316,138.00 |
| Common Shares Outstanding | 162,792.37 | 172,276.11 | 110,523.64 | 75,838.05 | 54,369.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 878,277.00 | 7,230.00 | 34,442.00 | 8,049.00 | 34,726.00 |
| Interest Income | 2,690,925.00 | 1,901,978.00 | 1,396,858.00 | 886,193.00 | 518,011.00 |
| Interest Expense | 2,089,365.00 | 1,433,349.00 | 803,247.00 | 442,896.00 | 353,136.00 |
| Net Interest | 601,560.00 | 229,346.00 | 270,396.00 | 189,935.00 | 83,155.00 |
| Non-Interest Income | -342,561.00 | 408,468.00 | 259,521.00 | 319,752.00 | 334,757.00 |
| Non-Interest Expense | 812,745.00 | 272,165.00 | 262,579.00 | 312,581.00 | 328,733.00 |
| Provisions for Credit Losses | 878,277.00 | 7,230.00 | 34,442.00 | 8,049.00 | 34,726.00 |
| Selling, General and Administrative Expenses | 71,418.00 | 34,738.00 | 18,093.00 | 16,339.00 | 13,360.00 |
| EBT | -1,490,778.00 | 358,419.00 | 232,896.00 | 189,057.00 | 100,687.00 |
| Income Tax | 104,512.00 | 7,174.00 | 29,733.00 | 29,083.00 | 8,384.00 |
| Equity Method Investments Income | 32,658.00 | -905.00 | 11,661.00 | 6,916.00 | 7,212.00 |
| Net Income Including Non-Controlling Interests | -449,108.00 | 322,494.00 | 177,367.00 | 148,011.00 | 43,671.00 |
| Net Income Non-Controlling Interests | 5,357.00 | 8,960.00 | 8,900.00 | 2,230.00 | 1,199.00 |
| Net Income | -443,751.00 | 331,454.00 | 186,267.00 | 150,241.00 | 44,870.00 |
| EBIT | 598,587.00 | 1,791,768.00 | 1,036,143.00 | 631,953.00 | 453,823.00 |
| Deprecation and Amortization | 21,972.00 | 7,911.00 | 19,653.00 | 10,588.00 | 5,975.00 |
| EBITDA | 620,559.00 | 1,799,679.00 | 1,055,796.00 | 642,541.00 | 459,798.00 |
| 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 | 169,107.48 | 146,841.59 | 106,878.14 | 68,511.58 | 53,736.52 |
| Average Shares Outstanding Diluted | 170,472.27 | 148,567.03 | 117,193.96 | 68,660.91 | 53,818.38 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 274,815.00 | 51,130.00 | 359,148.00 | -34,441.00 | 68,893.00 |
| Operating Net Income | -1,296,551.00 | 1,049,089.00 | 666,096.00 | 533,753.00 | 160,427.00 |
| Deprecation and Amortization | 21,972.00 | 7,911.00 | 19,653.00 | 10,588.00 | 5,975.00 |
| Deferred Income Tax | -104,535.00 | 5,355.00 | 21,267.00 | 9,200.00 | 10,122.00 |
| Share Based Compensation | 8,119.00 | 7,550.00 | 7,495.00 | 6,920.00 | 0 |
| Change in Working Capital | 29,536.00 | 156,675.00 | -124,351.00 | 90,802.00 | 26,713.00 |
| Other Operating Activities | 1,616,274.00 | -1,175,450.00 | -231,012.00 | -685,704.00 | -134,344.00 |
| Investing Cash Flow | 1,535,017.00 | 1,019,444.00 | -1,556,428.00 | -1,718,405.00 | -59,442.00 |
| 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 | 0 | 8,199.00 | 94,358.00 | 2,015,907.00 | 26,702.00 |
| Net Purchase/Sale of Business | 77,605.00 | -13,524.00 | 124,681.00 | 71,250.00 | 23,707.00 |
| Net Loan & Lease Activity | 0 | 0 | 678,394.00 | 141,663.00 | 242,532.00 |
| Other Investing Activities | 1,457,412.00 | 1,024,769.00 | -2,453,861.00 | -3,947,225.00 | -352,383.00 |
| Financing Cash Flow | -1,920,412.00 | -1,036,867.00 | 1,170,979.00 | 1,875,692.00 | 63,051.00 |
| Net Issuance/Repayment of Debt | 4,394,855.00 | 8,934,495.00 | 20,591,242.00 | 25,313,382.00 | 13,562,721.00 |
| Net Issuance/Repurchase of Equity | 82,250.00 | 18,216.00 | 177,659.00 | 176,183.00 | 23,926.00 |
| Dividends Paid | 206,057.00 | 215,089.00 | 187,832.00 | 111,924.00 | 56,885.00 |
| Other Financing Activities | -6,603,574.00 | -10,204,667.00 | -19,785,754.00 | -23,725,797.00 | -13,580,481.00 |
| Net Change in Cash | -79,732.00 | -11,098.00 | -26,301.00 | 122,846.00 | 72,502.00 |
| Cash at Beginning of Period | 262,506.00 | 273,604.00 | 323,328.00 | 200,482.00 | 127,980.00 |
| Cash at End of Period | 182,774.00 | 262,506.00 | 297,027.00 | 323,328.00 | 200,482.00 |
| 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 | 24,399,851.00 | 27,323,443.00 | 28,991,712.00 | 29,303,691.00 | 11,427,427.00 | 18,186,869.00 | 18,794,812.00 | 19,533,450.00 | 20,099,897.00 | 19,834,202.00 | 18,878,598.00 | 18,507,295.00 | 18,157,132.00 | 18,576,940.00 | 17,349,841.00 | 18,858,033.00 | 11,165,416.00 | 17,237,119.00 | 15,259,718.00 | 10,766,637.00 |
| Cash and Short-Term Investments | 147,514.00 | 162,935.00 | 205,933.00 | 143,803.00 | 181,324.00 | 452,576.00 | 332,017.00 | 277,735.00 | 386,938.00 | 455,353.00 | 232,785.00 | 327,079.00 | 417,321.00 | 260,073.00 | 424,851.00 | 468,103.00 | 419,542.00 | 401,448.00 | 616,870.00 | 277,970.00 |
| Cash and Cash Equivalents | 147,514.00 | 162,935.00 | 205,933.00 | 143,803.00 | 181,324.00 | 452,576.00 | 332,017.00 | 277,735.00 | 386,938.00 | 455,353.00 | 232,785.00 | 327,079.00 | 417,321.00 | 260,073.00 | 424,851.00 | 468,103.00 | 419,542.00 | 401,448.00 | 616,870.00 | 277,970.00 |
| 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 | 6,316,984.00 | 7,184,912.00 | 7,686,077.00 | 8,308,210.00 | 9,064,909.00 | 65,498.00 | 67,423.00 | 10,747,681.00 | 11,199,557.00 | 10,794,322.00 | 10,293,503.00 | 10,333,370.00 | 10,521,484.00 | 37,316.00 | 46,364.00 | 21,873.00 | 25,194.00 | 21,582.00 | 18,200.00 | 17,200.00 |
| 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 | 3,537.00 | 3,704.00 | 6,899.00 | 7,362.00 | 5,848.00 | 3,957.00 | 4,297.00 | 2,539.00 | 4,889.00 | 5,540.00 | 2,364.00 | 1,687.00 | 1,863.00 | 1,828.00 | 2,089.00 | 2,402.00 | 2,685.00 | 2,890.00 | 3,138.00 | 3,172.00 |
| Real Estate | 648,273.00 | 199,790.00 | 199,910.00 | 193,437.00 | 166,697.00 | 187,883.00 | 239,874.00 | 252,949.00 | 281,941.00 | 251,325.00 | 90,104.00 | 117,098.00 | 82,977.00 | 119,557.00 | 119,207.00 | 42,288.00 | 70,643.00 | 71,267.00 | 73,454.00 | 45,348.00 |
| Goodwill | 49,501.00 | 49,501.00 | 49,501.00 | 49,501.00 | 48,391.00 | 49,091.00 | 38,530.00 | 38,530.00 | 37,818.00 | 37,818.00 | 37,818.00 | 37,818.00 | 37,559.00 | 34,172.00 | 32,704.00 | 31,470.00 | 31,389.00 | 18,578.00 | 17,817.00 | 11,206.00 |
| Intangible Assets | 38,868.00 | 37,559.00 | 36,784.00 | 37,006.00 | 37,209.00 | 28,704.00 | 18,072.00 | 17,749.00 | 17,940.00 | 17,520.00 | 16,868.00 | 16,308.00 | 13,622.00 | 14,058.00 | 14,435.00 | 14,842.00 | 15,255.00 | 6,338.00 | 6,662.00 | 6,986.00 |
| Long-Term Investments | 178,840.00 | 169,369.00 | 170,920.00 | 161,561.00 | 146,397.00 | 134,602.00 | 132,730.00 | 133,321.00 | 136,113.00 | 122,504.00 | 114,169.00 | 118,641.00 | 232,048.00 | 447,536.00 | 296,084.00 | 215,482.00 | 148,182.00 | 113,269.00 | 101,346.00 | 107,799.00 |
| Non-Current Deferred Assets | 111,325.00 | 111,325.00 | 111,325.00 | 111,325.00 | 53,271.00 | 21,085.00 | 21,085.00 | 0 | 977.00 | 977.00 | 977.00 | 977.00 | 3,601.00 | 3,601.00 | 3,601.00 | 3,601.00 | 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 | 7,744,841.00 | 8,905,708.00 | 10,503,570.00 | 11,782,540.00 | 12,928,671.00 | 13,784,122.00 | 14,307,127.00 | 14,904,176.00 | 15,445,849.00 | 15,185,611.00 | 15,129,677.00 | 14,840,939.00 | 14,632,951.00 | 14,948,760.00 | 14,030,583.00 | 12,430,919.00 | 12,686,652.00 | 12,325,905.00 | 10,433,920.00 | 6,539,774.00 |
| Payables and Expenses | 37,735.00 | 31,204.00 | 29,274.00 | 39,565.00 | 34,685.00 | 20,028.00 | 14,885.00 | 33,961.00 | 37,263.00 | 33,741.00 | 19,789.00 | 38,245.00 | 35,248.00 | 28,605.00 | 26,914.00 | 42,715.00 | 48,193.00 | 36,446.00 | 24,442.00 | 35,724.00 |
| 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 | 37,735.00 | 31,204.00 | 29,274.00 | 39,565.00 | 34,685.00 | 20,028.00 | 14,885.00 | 33,961.00 | 37,263.00 | 33,741.00 | 19,789.00 | 38,245.00 | 35,248.00 | 28,605.00 | 26,914.00 | 42,715.00 | 48,193.00 | 36,446.00 | 24,442.00 | 35,724.00 |
| 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 | 16,655,010.00 | 18,417,735.00 | 18,488,142.00 | 17,521,151.00 | -1,501,244.00 | 4,402,747.00 | 4,487,685.00 | 4,629,274.00 | 4,654,048.00 | 4,648,591.00 | 3,748,921.00 | 3,666,356.00 | 3,524,181.00 | 3,628,180.00 | 3,319,258.00 | 6,427,114.00 | -1,521,236.00 | 4,911,214.00 | 4,825,798.00 | 4,226,863.00 |
| Shareholders Equity | 1,774,668.00 | 1,827,118.00 | 1,941,547.00 | 1,838,045.00 | 2,233,389.00 | 2,292,880.00 | 2,402,817.00 | 2,539,937.00 | 2,592,115.00 | 2,603,102.00 | 1,780,135.00 | 1,791,088.00 | 1,866,982.00 | 1,859,452.00 | 1,851,445.00 | 1,276,104.00 | 1,210,185.00 | 1,269,526.00 | 1,159,691.00 | 815,396.00 |
| Capital Stock | 231,134.00 | 231,134.00 | 231,134.00 | 231,134.00 | 231,134.00 | 231,134.00 | 231,134.00 | 231,134.00 | 231,134.00 | 231,134.00 | 231,128.00 | 231,128.00 | 231,128.00 | 231,128.00 | 231,128.00 | 231,125.00 | 231,124.00 | 427,606.00 | 215,983.00 | 5.00 |
| Share Premium | 2,257,078.00 | 2,267,540.00 | 2,302,101.00 | 2,250,291.00 | 2,292,229.00 | 2,287,684.00 | 2,307,303.00 | 2,321,989.00 | 2,318,109.00 | 2,313,849.00 | 1,687,631.00 | 1,684,074.00 | 1,720,019.00 | 1,723,580.00 | 1,723,099.00 | 1,161,853.00 | 1,115,471.00 | 1,090,162.00 | 1,088,512.00 | 849,541.00 |
| Retained Earnings | -569,709.00 | -528,524.00 | -450,276.00 | -505,089.00 | -146,003.00 | -92,319.00 | -3,546.00 | 124,413.00 | 168,539.00 | 187,139.00 | -6,532.00 | 4,994.00 | 40,079.00 | 27,298.00 | 21,661.00 | 8,598.00 | -10,395.00 | -23,105.00 | -20,027.00 | -24,203.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -24,096.00 | -23,293.00 | -21,673.00 | -18,552.00 | -24,232.00 | -13,880.00 | -12,335.00 | -17,860.00 | -5,928.00 | -9,281.00 | -12,353.00 | -9,369.00 | -4,505.00 | -2,815.00 | -4,704.00 | -5,733.00 | -6,276.00 | -7,157.00 | -7,042.00 | -9,947.00 |
| Minority Interest | 100,530.00 | 98,544.00 | 99,644.00 | 97,697.00 | 96,658.00 | 98,985.00 | 97,065.00 | 98,464.00 | 99,304.00 | 99,960.00 | 100,197.00 | 99,146.00 | 101,881.00 | 102,613.00 | 107,290.00 | 4,494.00 | 19,125.00 | 18,857.00 | 19,061.00 | 18,812.00 |
| Investments | 378,860.00 | 361,754.00 | 369,468.00 | 354,974.00 | 336,922.00 | 134,602.00 | 132,730.00 | 133,321.00 | 136,113.00 | 251,900.00 | 234,950.00 | 247,200.00 | 677,584.00 | 606,577.00 | 461,792.00 | 215,482.00 | 148,182.00 | 113,269.00 | 101,346.00 | 107,799.00 |
| Debt | 9,931,294.00 | 12,033,307.00 | 10,714,384.00 | 9,686,041.00 | 10,513,025.00 | 18,062,358.00 | 18,331,202.00 | 18,545,206.00 | 20,068,354.00 | 20,603,354.00 | 20,770,920.00 | 21,420,666.00 | 22,480,904.00 | 22,144,746.00 | 21,052,658.00 | 17,553,758.00 | 11,078,473.00 | 11,655,938.00 | 13,138,279.00 | 9,594,108.00 |
| Net Debt | 9,783,780.00 | 11,870,372.00 | 10,508,451.00 | 9,542,238.00 | 10,331,701.00 | 17,609,782.00 | 17,999,185.00 | 18,267,471.00 | 19,681,416.00 | 20,148,001.00 | 20,538,135.00 | 21,093,587.00 | 22,063,583.00 | 21,884,673.00 | 20,627,807.00 | 17,085,655.00 | 10,658,931.00 | 11,254,490.00 | 12,521,409.00 | 9,316,138.00 |
| Common Shares Outstanding | 161,834.84 | 164,326.39 | 172,507.23 | 162,792.37 | 168,530.70 | 168,167.27 | 170,445.33 | 172,276.11 | 172,023.87 | 171,651.92 | 110,745.66 | 110,523.64 | 114,015.35 | 114,375.07 | 0 | 75,838.05 | 72,919.82 | 71,231.42 | 71,221.70 | 54,369.00 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cost Of Revenue | 188,853.00 | 302,784.00 | 328,704.00 | 726,608.00 | 7,751.00 | 90,830.00 | 53,088.00 | -19,473.00 | 542.00 | 12,693.00 | 13,468.00 | 26,621.00 | 583.00 | 5,696.00 | 1,542.00 | -4,564.00 | 7,088.00 | 5,509.00 | 16.00 |
| Interest Income | 1,335,579.00 | 923,106.00 | 464,901.00 | 1,299,088.00 | 693,010.00 | 466,473.00 | 232,354.00 | -854,992.00 | 1,411,461.00 | 907,356.00 | 438,153.00 | -439,446.00 | 978,344.00 | 592,292.00 | 265,668.00 | -268,559.00 | 615,035.00 | 386,083.00 | 153,634.00 |
| Interest Expense | 1,209,822.00 | 828,909.00 | 421,398.00 | 996,044.00 | 542,544.00 | 366,972.00 | 183,805.00 | -603,197.00 | 1,049,450.00 | 666,144.00 | 320,952.00 | -120,458.00 | 516,148.00 | 284,835.00 | 122,722.00 | -213,903.00 | 326,442.00 | 224,974.00 | 105,383.00 |
| Net Interest | 125,757.00 | 94,197.00 | 43,503.00 | 303,044.00 | 150,466.00 | 99,501.00 | 48,549.00 | -121,869.00 | 176,507.00 | 117,529.00 | 57,179.00 | -135,987.00 | 206,763.00 | 136,232.00 | 63,388.00 | -28,159.00 | 125,242.00 | 70,242.00 | 22,610.00 |
| Non-Interest Income | -7,751.00 | -181,849.00 | -130,316.00 | 490,275.00 | -257,538.00 | -370,042.00 | -205,256.00 | -391,783.00 | 407,872.00 | 348,281.00 | 44,098.00 | -183,960.00 | 217,101.00 | 138,573.00 | 87,807.00 | -187,344.00 | 253,301.00 | 164,830.00 | 88,965.00 |
| Non-Interest Expense | 558,354.00 | 369,013.00 | 188,248.00 | 373,171.00 | 215,622.00 | 145,694.00 | 78,258.00 | -192,459.00 | 236,748.00 | 157,234.00 | 70,642.00 | -132,077.00 | 200,857.00 | 126,258.00 | 67,541.00 | -158,263.00 | 242,853.00 | 154,036.00 | 73,955.00 |
| Provisions for Credit Losses | -188,853.00 | -302,784.00 | -328,704.00 | 1,014,444.00 | 7,751.00 | -90,830.00 | -53,088.00 | 7,463.00 | 542.00 | 12,693.00 | -13,468.00 | 38,013.00 | 583.00 | -5,696.00 | 1,542.00 | -4,532.00 | 7,088.00 | 5,509.00 | -16.00 |
| Selling, General and Administrative Expenses | 47,716.00 | 31,655.00 | 14,699.00 | 31,925.00 | 19,330.00 | 13,098.00 | 7,065.00 | -1,535.00 | 19,183.00 | 11,373.00 | 5,717.00 | -8,852.00 | 12,842.00 | 8,977.00 | 5,126.00 | -5,251.00 | 12,754.00 | 5,854.00 | 2,982.00 |
| EBT | -183,301.00 | -94,171.00 | 142,626.00 | -504,242.00 | -403,352.00 | -371,598.00 | -211,586.00 | -321,922.00 | 347,089.00 | 295,883.00 | 37,369.00 | -223,035.00 | 222,424.00 | 151,395.00 | 82,112.00 | -52,700.00 | 128,602.00 | 75,527.00 | 37,628.00 |
| Income Tax | 55,081.00 | 45,146.00 | 5,207.00 | -91,683.00 | 87,194.00 | 78,790.00 | 30,211.00 | -8,308.00 | 9,559.00 | 5,532.00 | 391.00 | -49,226.00 | 32,943.00 | 28,167.00 | 17,849.00 | -17,490.00 | 22,216.00 | 15,676.00 | 8,681.00 |
| Equity Method Investments Income | 9,873.00 | -12,378.00 | -11,946.00 | 25,762.00 | 4,821.00 | 1,607.00 | 468.00 | -2,995.00 | 745.00 | 689.00 | 656.00 | -17,825.00 | 11,160.00 | 11,763.00 | 6,563.00 | -927.00 | 6,100.00 | 2,552.00 | -809.00 |
| Net Income Including Non-Controlling Interests | -7,010.00 | 15,742.00 | 75,046.00 | -126,888.00 | -129,580.00 | -116,240.00 | -76,400.00 | -298,365.00 | 315,848.00 | 273,702.00 | 31,309.00 | -165,419.00 | 170,140.00 | 111,932.00 | 60,714.00 | -30,641.00 | 97,164.00 | 54,140.00 | 27,348.00 |
| Net Income Non-Controlling Interests | 6,282.00 | 4,274.00 | 2,460.00 | -665.00 | 3,968.00 | 1,937.00 | 117.00 | -7,042.00 | 7,842.00 | 6,325.00 | 1,835.00 | -2,196.00 | 6,672.00 | 3,649.00 | 775.00 | -1,391.00 | 1,859.00 | 1,103.00 | 659.00 |
| Net Income | -728.00 | 20,016.00 | 77,506.00 | -127,553.00 | -125,612.00 | -114,303.00 | -76,283.00 | -305,407.00 | 323,690.00 | 280,027.00 | 33,144.00 | -167,615.00 | 176,812.00 | 115,581.00 | 61,489.00 | -32,032.00 | 99,023.00 | 55,243.00 | 28,007.00 |
| EBIT | 1,026,521.00 | 734,738.00 | 564,024.00 | 491,802.00 | 139,192.00 | -4,626.00 | -27,781.00 | -925,119.00 | 1,396,539.00 | 962,027.00 | 358,321.00 | -343,493.00 | 738,572.00 | 436,230.00 | 204,834.00 | -266,603.00 | 455,044.00 | 300,501.00 | 143,011.00 |
| Deprecation and Amortization | 1,100.00 | 18,168.00 | 5,294.00 | -1,019.00 | 14,216.00 | 8,375.00 | 400.00 | -2,514.00 | 4,495.00 | 4,171.00 | 1,759.00 | -5,825.00 | 13,128.00 | 9,005.00 | 3,345.00 | -3,244.00 | 7,344.00 | 4,546.00 | 1,942.00 |
| EBITDA | 1,027,621.00 | 752,906.00 | 569,318.00 | 490,783.00 | 153,408.00 | 3,749.00 | -27,381.00 | -927,633.00 | 1,401,034.00 | 966,198.00 | 360,080.00 | -349,318.00 | 751,700.00 | 445,235.00 | 208,179.00 | -269,847.00 | 462,388.00 | 305,047.00 | 144,953.00 |
| 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 | 165,491.14 | 166,465.23 | 165,166.28 | 164,384.59 | 169,669.14 | 170,343.30 | 172,032.87 | 217,149.58 | 138,323.88 | 121,219.98 | 110,672.94 | 133,121.67 | 105,576.83 | 101,106.78 | 87,707.28 | 86,562.42 | 66,606.75 | 64,059.51 | 56,817.63 |
| Average Shares Outstanding Diluted | 167,790.24 | 169,320.00 | 167,723.52 | 166,456.04 | 170,815.08 | 171,513.56 | 173,104.42 | 201,517.28 | 140,628.55 | 131,096.37 | 121,025.91 | 144,704.14 | 116,865.77 | 111,803.43 | 95,402.49 | 86,821.32 | 66,768.92 | 64,209.93 | 56,843.45 |
| 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 | 442,879.00 | 8,202.00 | 108,469.00 | -18,797.00 | 245,655.00 | 24,507.00 | 23,450.00 | -65,983.00 | 80,781.00 | 37,239.00 | -907.00 | 123,067.00 | 142,156.00 | 79,183.00 | 14,742.00 | 75,396.00 | -80,568.00 | 20,932.00 | -50,201.00 |
| Operating Net Income | 28,371.00 | 80,590.00 | 243,435.00 | -395,983.00 | -350,909.00 | -327,041.00 | -222,618.00 | -951,092.00 | 1,016,389.00 | 872,224.00 | 111,568.00 | -576,512.00 | 621,896.00 | 410,397.00 | 210,315.00 | -103,231.00 | 351,905.00 | 195,326.00 | 89,753.00 |
| Deprecation and Amortization | 1,100.00 | 18,168.00 | 5,294.00 | -1,019.00 | 14,216.00 | 8,375.00 | 400.00 | -2,514.00 | 4,495.00 | 4,171.00 | 1,759.00 | -5,825.00 | 13,128.00 | 9,005.00 | 3,345.00 | -3,244.00 | 7,344.00 | 4,546.00 | 1,942.00 |
| Deferred Income Tax | 0 | 0 | 0 | -104,535.00 | 0 | 0 | 0 | 5,355.00 | 0 | 0 | 0 | 21,267.00 | 0 | 0 | 0 | 9,200.00 | 0 | 0 | 0 |
| Share Based Compensation | 5,010.00 | 3,419.00 | 1,785.00 | -3,185.00 | 5,642.00 | 3,768.00 | 1,894.00 | -4,407.00 | 6,189.00 | 3,915.00 | 1,853.00 | -4,728.00 | 6,150.00 | 4,110.00 | 1,963.00 | 6,920.00 | 0 | 0 | 0 |
| Change in Working Capital | 127,162.00 | 134,910.00 | 73,434.00 | -196,367.00 | 122,008.00 | 59,266.00 | 44,629.00 | 211,561.00 | -5,104.00 | -32,852.00 | -16,930.00 | 47,212.00 | -93,443.00 | -45,782.00 | -32,338.00 | -67,874.00 | 118,680.00 | 12,746.00 | 27,250.00 |
| Other Operating Activities | 281,236.00 | -228,885.00 | -215,479.00 | 682,292.00 | 454,698.00 | 280,139.00 | 199,145.00 | 675,114.00 | -941,188.00 | -810,219.00 | -99,157.00 | 641,653.00 | -405,575.00 | -298,547.00 | -168,543.00 | 233,625.00 | -558,497.00 | -191,686.00 | -169,146.00 |
| Investing Cash Flow | 1,282,468.00 | 789,020.00 | 307,268.00 | -392,845.00 | 998,042.00 | 624,996.00 | 304,824.00 | 47,668.00 | 590,261.00 | 333,619.00 | 47,896.00 | 2,824,200.00 | -1,583,478.00 | -1,674,188.00 | -1,122,962.00 | 1,275,414.00 | -1,452,577.00 | -1,330,701.00 | -210,541.00 |
| 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 | 2,385.00 | 2,385.00 | 0 | 0 | 0 | 0 | 0 | 7,919.00 | 140.00 | 140.00 | 0 | -46,885.00 | 71,016.00 | 64,653.00 | 5,574.00 | -3,245,341.00 | 1,997,268.00 | 1,846,109.00 | 1,417,871.00 |
| Net Purchase/Sale of Business | 8,509.00 | -4,123.00 | -4,512.00 | -18,567.00 | 61,823.00 | 34,308.00 | 41.00 | -48,114.00 | -13,572.00 | 48,097.00 | 65.00 | -588,320.00 | 371,535.00 | 209,200.00 | 132,266.00 | 16,715.00 | 34,180.00 | 15,686.00 | 4,669.00 |
| Net Loan & Lease Activity | 0 | 0 | 678,394.00 | 141,663.00 | 242,532.00 | ||||||||||||||
| Other Investing Activities | 1,271,574.00 | 790,758.00 | 311,780.00 | -374,278.00 | 936,219.00 | 590,688.00 | 304,783.00 | 91,377.00 | 601,968.00 | 284,112.00 | 47,312.00 | 4,749,787.00 | -2,701,227.00 | -2,597,875.00 | -1,904,546.00 | 4,493,603.00 | -3,595,835.00 | -3,209,596.00 | -1,635,397.00 |
| Financing Cash Flow | -1,747,742.00 | -791,631.00 | -413,743.00 | 331,435.00 | -1,252,388.00 | -627,933.00 | -371,526.00 | -4,539.00 | -656,080.00 | -278,936.00 | -97,312.00 | -2,868,023.00 | 1,437,292.00 | 1,516,734.00 | 1,084,976.00 | -1,555,400.00 | 1,617,481.00 | 1,381,317.00 | 432,294.00 |
| Net Issuance/Repayment of Debt | 4,813,599.00 | 3,534,103.00 | 1,873,485.00 | -3,735,549.00 | 3,348,206.00 | 3,029,693.00 | 1,752,505.00 | -14,718,265.00 | 10,539,721.00 | 8,871,634.00 | 4,241,405.00 | -14,983,107.00 | 16,319,244.00 | 11,526,292.00 | 7,728,813.00 | -18,578,153.00 | 20,157,885.00 | 15,281,120.00 | 8,452,530.00 |
| Net Issuance/Repurchase of Equity | 65,721.00 | 55,151.00 | 17,405.00 | -15,180.00 | 39,190.00 | 39,190.00 | 19,050.00 | -35,516.00 | 18,216.00 | 18,210.00 | 17,306.00 | -213,839.00 | 144,510.00 | 123,606.00 | 123,382.00 | -95,594.00 | 147,363.00 | 123,427.00 | 987.00 |
| Dividends Paid | 90,716.00 | 67,886.00 | 44,042.00 | -116,994.00 | 161,456.00 | 107,167.00 | 54,428.00 | -106,332.00 | 150,313.00 | 123,932.00 | 47,176.00 | -68,723.00 | 136,696.00 | 85,512.00 | 34,347.00 | -45,530.00 | 78,361.00 | 44,394.00 | 34,699.00 |
| Other Financing Activities | -6,717,778.00 | -4,448,771.00 | -2,348,675.00 | 4,199,158.00 | -4,801,240.00 | -3,803,983.00 | -2,197,509.00 | 14,855,574.00 | -11,364,330.00 | -9,292,712.00 | -4,403,199.00 | 12,397,646.00 | -15,163,158.00 | -10,218,676.00 | -6,801,566.00 | 17,163,877.00 | -18,766,128.00 | -14,067,624.00 | -8,055,922.00 |
| Net Change in Cash | 11,721.00 | 39,707.00 | 65,605.00 | -42,370.00 | -26,924.00 | 16,533.00 | -26,971.00 | -67,659.00 | 14,962.00 | 91,922.00 | -50,323.00 | 79,244.00 | -4,030.00 | -78,271.00 | -23,244.00 | -204,590.00 | 84,336.00 | 71,548.00 | 171,552.00 |
| Cash at Beginning of Period | 182,774.00 | 182,774.00 | 182,774.00 | 225,144.00 | 262,506.00 | 262,506.00 | 262,506.00 | 330,165.00 | 297,027.00 | 297,027.00 | 297,027.00 | 217,783.00 | 323,328.00 | 323,328.00 | 323,328.00 | 527,918.00 | 200,482.00 | 200,482.00 | 200,482.00 |
| Cash at End of Period | 194,495.00 | 222,481.00 | 248,379.00 | 182,774.00 | 235,582.00 | 279,039.00 | 235,535.00 | 262,506.00 | 311,989.00 | 388,949.00 | 246,704.00 | 297,027.00 | 319,298.00 | 245,057.00 | 300,084.00 | 323,328.00 | 284,818.00 | 272,030.00 | 372,034.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |