RNST

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 10.87 13.05 12.66 12.12
Price to Sales 90.07 85.37 94.07 104.12
Book Value Per Common Share 124.16 120.01 114.53 118.90 113.85
Price to Book 0.29 0.28 0.33 0.32
Price to Operating Cash Flow 10.49 9.41 3.31 10.04
Price to Free Cash Flow
Enterprise Value to EBITDA 21453.62 36295.71 62077.91 63433.66
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 30.49 66.54 52.20 12.50 21.97 44.74 12.59 19.65 37.29 14.62 21.99 55.75 14.60 22.86 40.17
Price to Sales 154.29 235.76 305.68 115.74 151.56 310.41 89.29 139.96 333.12 102.32 138.44 315.27 133.52 229.62 485.68
Book Value Per Common Share 79.46 78.34 83.66 124.16 81.60 80.81 79.70 120.01 76.01 39.35 39.01 114.53 37.39 37.85 38.25 118.90 39.53 39.11 38.61 113.85
Price to Book 0.46 0.46 0.41 0.29 0.40 0.38 0.39 0.28 0.34 0.66 0.78 0.33 0.84 0.76 0.87 0.32 0.91 1.02 1.07
Price to Operating Cash Flow 21.24 117.76 20.35 53.30 107.69 27.06 30.55 -46.49 -232.02 3.78 4.61 9.07 22.48 45.44 -40.98
Price to Free Cash Flow
Enterprise Value to EBITDA 72752.43 122985.45 147660.79 41141.45 57586.54 119711.72 40225.78 64823.77 149230.60 79912.66 118107.67 288228.19 82672.82 133252.32 240333.24

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 27.52 -13.13 -5.11 110.07
Revenue YoY 6.45 -0.93 9.21 23.94
EBITDA YoY 103.32 53.75 1.59 -15.47
Net Profit YoY 33.08 -8.93 -4.20 104.90
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 124.07 -16.92 87.05 98.57 56.39 62.20 63.36 118.33 41.14 69.90
Revenue YoY 57.02 103.93 51.40 100.26 57.13 103.85 46.99 96.40 54.74 104.74
EBITDA YoY 73.57 89.54 32.15 67.97 102.93 61.54 96.91 60.53 110.39 43.71 74.52
Net Profit YoY 128.11 12.18 90.60 99.39 55.60 68.51 63.10 117.94 40.29 71.38

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 43.64 31.59 23.61 70.22 24.80
Quick Ratio
Current Ratio
Debt to Equity 0.64 0.67 0.68 0.67 0.66
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 11.45 14.58 17.14 40.74 20.84 15.12 15.02 31.57 13.20 16.88 15.14 23.59 8.57 18.07 28.80 70.67 26.25 28.50 22.44 24.83
Quick Ratio
Current Ratio
Debt to Equity 5.99 6.05 5.70 0.64 5.76 6.44 6.47 0.67 6.69 6.80 6.99 0.68 6.87 6.85 6.89 0.67 6.33 6.27 6.19 0.66
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.53 0.42 0.47 0.49 0.27
ROE 0.87 0.70 0.79 0.83 0.45
Gross Margin 60.64 29.55 -219.46 75.22 -1469.62
Operating Margin 4358.82 2194.66 1325.41 1399.03 2180.90
EBITDA Margin 4495.86 2353.85 1516.76 1630.52 2390.75
Net Profit Margin 884.57 707.57 769.76 877.55 530.81
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 0.43 0.19 0.24 0.89 0.48 0.24 0.74 0.47 0.28 0.75 0.46 0.21 0.87 0.63 0.38
ROE 2.99 1.33 1.64 6.04 3.57 1.82 5.66 3.68 2.20 5.90 3.58 1.63 6.41 4.57 2.70
Gross Margin -326.54 -497.22 32.79 61.18 49.46 56.99 1.15 -4.60 -364.59 -211.07 -20.33 -1.28 68.38
Operating Margin 2071.01 1844.33 1954.14 2782.94 2491.91 2455.64 2057.76 1984.13 2055.84 1084.25 966.77 878.53 1374.37 1495.14 1812.69
EBITDA Margin 2129.20 1926.13 2072.44 2921.29 2633.08 2598.47 2220.07 2159.40 2235.54 1280.66 1172.59 1094.67 1601.09 1724.05 2022.60
Net Profit Margin 505.39 347.88 632.39 933.37 741.37 744.63 767.43 774.98 937.49 721.96 650.65 586.36 930.83 1026.73 1226.54

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 39,200,774.00 37,469,157.00 36,564,271.00 36,313,729.00 32,325,615.00
   Deposits 14,572,612.00 14,076,785.00 13,486,966.00 13,905,724.00 12,059,081.00
      Cash and Short-Term Investments 2,589,846.00 1,772,299.00 1,319,711.00 3,940,356.00 1,395,570.00
            Cash and Cash Equivalents 2,589,846.00 1,772,299.00 1,319,711.00 3,940,356.00 1,395,570.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 54,395.00 54,804.00 147,173,011.00 143,701,748.00 144,401,656.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 46,811.00 48,517.00 338,525.00 356,669.00 366,519.00
      Goodwill 2,966,694.00 2,974,995.00 2,975,124.00 2,819,049.00 2,819,049.00
      Intangible Assets 14,105.00 18,795.00 24,176.00 24,098.00 30,139.00
      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 15,356,550.00 15,063,152.00 14,852,160.00 14,600,458.00 12,796,879.00
      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 108,018.00 307,577.00 712,232.00 13,947.00 21,340.00
      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 23,844,224.00 22,406,005.00 21,712,111.00 21,713,271.00 19,528,736.00
   Shareholders Equity 7,892,346.00 6,737,893.00 6,408,048.00 6,629,559.00 6,398,199.00
      Capital Stock 332,421.00 296,483.00 296,483.00 296,483.00 296,483.00
      Share Premium 1,491,847.00 1,308,281.00 1,302,422.00 1,300,192.00 1,296,963.00
      Retained Earnings 1,093,854.00 952,124.00 857,725.00 741,648.00 615,773.00
      Treasury Shares 97,196.00 105,249.00 111,577.00 118,027.00 101,554.00
      Accumulated Other Comprehensive Income -142,608.00 -154,256.00 -209,037.00 -10,443.00 25,068.00
   Minority Interest 0 0 0 0 0
Investments 8,605,229.00 9,530,975.00 117,420,613.00 126,138,399.00 113,255,605.00
Debt 1,077,264.00 1,473,954.00 2,280,730.00 970,312.00 992,620.00
Net Debt 0 0 961,019.00 0 0
Common Shares Outstanding 63,565.69 56,142.21 55,953.10 55,756.23 56,200.49
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 23,559.00 22,132.00 22,339.00 20,455.00 16,504.00
Cost Of Revenue 9,273.00 15,593.00 71,364.00 5,068.00 259,050.00
Interest Income 1,815,381.00 827,954.00 550,797.00 470,454.00 499,414.00
Interest Expense 781,930.00 308,536.00 84,776.00 63,345.00 86,514.00
Net Interest 512,196.00 519,327.00 481,298.00 424,001.00 426,797.00
Non-Interest Income 483,890.00 299,399.00 366,844.00 535,052.00 552,683.00
Non-Interest Expense 461,618.00 439,622.00 395,455.00 429,826.00 471,988.00
Provisions for Credit Losses 9,273.00 15,593.00 71,364.00 -5,068.00 257,550.00
Gross Profit 14,286.00 6,539.00 -49,025.00 15,387.00 -242,546.00
   Selling, General and Administrative Expenses 144,957.00 98,301.00 93,874.00 101,411.00 105,246.00
EBT 244,965.00 177,187.00 211,308.00 222,827.00 273,422.00
Income Tax 91,174.00 57,441.00 84,249.00 89,075.00 35,791.00
Net Income 208,396.00 156,599.00 171,956.00 179,502.00 87,605.00
EBIT 1,026,895.00 485,723.00 296,084.00 286,172.00 359,936.00
Deprecation and Amortization 32,284.00 35,231.00 42,744.00 47,350.00 34,633.00
EBITDA 1,059,179.00 520,954.00 338,828.00 333,522.00 394,569.00
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 59,350.16 56,099.69 55,904.58 56,114.67 56,270.57
Average Shares Outstanding Diluted 59,748.79 56,448.16 56,214.23 56,424.48 56,468.17
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 202,338.00 200,702.00 635,337.00 212,092.00 163,939.00
   Operating Net Income 781,828.00 578,712.00 664,272.00 703,568.00 334,604.00
   Deprecation and Amortization 32,284.00 35,231.00 42,744.00 47,350.00 34,633.00
   Deferred Income Tax 4,649.00 -5,005.00 2,280.00 11,411.00 -13,662.00
   Share Based Compensation 13,883.00 13,716.00 11,505.00 10,074.00 10,577.00
   Change in Working Capital 11,923.00 93,729.00 32,416.00 -9,528.00 97,489.00
   Other Operating Activities -642,229.00 -515,681.00 -117,880.00 -550,783.00 -299,702.00
Investing Cash Flow -298,041.00 -55,399.00 -2,041,657.00 -754,903.00 -1,271,111.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 13,989.00 22,577.00 16,072.00 30,329.00 28,270.00
   Net Purchase/Sale of Investments Net 718,294.00 1,246,995.00 1,254,727.00 3,069,582.00 1,042,004.00
   Net Purchase/Sale of Business 55,333.00 0 120,888.00 0 0
   Other Investing Activities -1,085,657.00 -1,324,971.00 -3,433,344.00 -3,854,814.00 -2,341,385.00
Financing Cash Flow 622,569.00 81,926.00 87,648.00 1,842,835.00 1,425,142.00
   Net Issuance/Repayment of Debt -199,314.00 -401,975.00 731,222.00 634,602.00 -271,169.00
   Net Issuance/Repurchase of Equity 217,000.00 0 0 21,315.00 24,569.00
   Dividends Paid 53,727.00 50,279.00 49,991.00 50,017.00 50,134.00
   Other Financing Activities 551,156.00 433,622.00 -693,565.00 1,136,901.00 1,621,608.00
Net Change in Cash 526,866.00 227,229.00 -1,318,672.00 1,300,024.00 317,970.00
   Cash at Beginning of Period 565,166.00 574,122.00 1,894,664.00 577,941.00 315,233.00
   Cash at End of Period 1,092,032.00 801,351.00 575,992.00 1,877,965.00 633,203.00
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 26,726,165.00 26,624,975.00 18,271,381.00 39,200,774.00 17,958,840.00 17,510,391.00 17,345,741.00 37,469,157.00 17,181,621.00 17,224,342.00 17,474,083.00 36,564,271.00 16,471,099.00 16,618,101.00 16,863,757.00 36,313,729.00 16,155,550.00 16,022,386.00 15,622,571.00 32,325,615.00
   Deposits 21,424,555.00 21,582,637.00 14,772,095.00 14,572,612.00 14,509,751.00 14,255,213.00 14,237,163.00 14,076,785.00 14,157,110.00 14,095,361.00 13,912,019.00 13,486,966.00 13,432,124.00 13,763,929.00 13,990,897.00 13,905,724.00 13,254,829.00 13,115,351.00 12,736,908.00 12,059,081.00
      Cash and Short-Term Investments 1,083,785.00 1,378,612.00 1,091,339.00 2,589,846.00 1,275,620.00 851,906.00 844,400.00 1,772,299.00 741,156.00 946,899.00 847,697.00 1,319,711.00 479,500.00 1,010,468.00 1,607,493.00 3,940,356.00 1,476,141.00 1,605,488.00 1,261,916.00 1,395,570.00
            Cash and Cash Equivalents 1,083,785.00 1,378,612.00 1,091,339.00 2,589,846.00 1,275,620.00 851,906.00 844,400.00 1,772,299.00 741,156.00 946,899.00 847,697.00 1,319,711.00 479,500.00 1,010,468.00 1,607,493.00 3,940,356.00 1,476,141.00 1,605,488.00 1,261,916.00 1,395,570.00
            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 72,216.00 72,205.00 53,317.00 54,395.00 55,542.00 56,403.00 56,176.00 54,804.00 53,565.00 51,410.00 149,703,107.00 147,173,011.00 157,088,807.00 150,935,466.00 147,273,134.00 143,701,748.00 144,478,156.00 146,972,598.00 141,999,967.00 144,401,656.00
      Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Property, Plant, Equipment Net 0 0 0 46,811.00 280,550.00 280,966.00 282,193.00 48,517.00 284,368.00 285,952.00 287,006.00 338,525.00 284,062.00 284,035.00 285,344.00 356,669.00 294,499.00 293,203.00 300,917.00 366,519.00
      Goodwill 4,235,133.00 4,259,346.00 2,966,694.00 2,966,694.00 2,966,694.00 2,974,995.00 2,974,995.00 2,974,995.00 2,974,995.00 2,974,995.00 2,974,995.00 2,975,124.00 2,838,873.00 2,838,873.00 2,838,873.00 2,819,049.00 2,819,049.00 2,819,049.00 2,819,049.00 2,819,049.00
      Intangible Assets 155,077.00 163,751.00 13,025.00 14,105.00 15,238.00 16,397.00 17,583.00 18,795.00 20,070.00 21,381.00 22,750.00 24,176.00 20,170.00 21,422.00 22,731.00 24,098.00 25,522.00 27,003.00 28,542.00 30,139.00
      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 22,900,387.00 22,846,121.00 15,544,276.00 15,356,550.00 15,300,762.00 15,155,690.00 15,023,391.00 15,063,152.00 14,948,298.00 15,015,714.00 15,286,783.00 14,852,160.00 14,378,818.00 14,501,224.00 14,726,115.00 14,600,458.00 13,951,606.00 13,818,579.00 13,448,870.00 12,796,879.00
      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 606,063.00 405,349.00 108,015.00 108,018.00 108,732.00 232,741.00 108,121.00 307,577.00 107,662.00 257,305.00 732,057.00 712,232.00 312,818.00 112,642.00 111,279.00 13,947.00 11,253.00 14,933.00 12,154.00 21,340.00
      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 3,825,778.00 3,778,854.00 2,727,105.00 23,844,224.00 2,658,078.00 2,354,701.00 2,322,350.00 22,406,005.00 2,233,323.00 2,208,628.00 2,187,300.00 21,712,111.00 2,092,281.00 2,116,877.00 2,137,642.00 21,713,271.00 2,203,944.00 2,203,807.00 2,173,701.00 19,528,736.00
   Shareholders Equity 7,550,386.00 7,443,667.00 5,332,589.00 7,892,346.00 5,187,062.00 4,555,286.00 4,487,757.00 6,737,893.00 4,267,322.00 2,208,628.00 2,187,300.00 6,408,048.00 2,092,281.00 2,116,877.00 2,137,642.00 6,629,559.00 2,203,944.00 2,203,807.00 2,173,701.00 6,398,199.00
      Capital Stock 488,612.00 488,612.00 332,421.00 332,421.00 332,421.00 296,483.00 296,483.00 296,483.00 296,483.00 296,483.00 296,483.00 296,483.00 296,483.00 296,483.00 296,483.00 296,483.00 296,483.00 296,483.00 296,483.00 296,483.00
      Share Premium 2,389,033.00 2,393,566.00 1,486,849.00 1,491,847.00 1,488,678.00 1,304,782.00 1,303,613.00 1,308,281.00 1,304,891.00 1,301,883.00 1,299,458.00 1,302,422.00 1,299,476.00 1,298,207.00 1,297,088.00 1,300,192.00 1,298,022.00 1,295,879.00 1,294,911.00 1,296,963.00
      Retained Earnings 1,139,600.00 1,100,965.00 1,121,102.00 1,093,854.00 1,063,324.00 1,005,086.00 978,880.00 952,124.00 936,573.00 907,312.00 891,242.00 857,725.00 823,951.00 789,880.00 762,690.00 741,648.00 717,033.00 689,444.00 661,117.00 615,773.00
      Treasury Shares 90,297.00 90,248.00 91,646.00 97,196.00 97,251.00 97,534.00 99,683.00 105,249.00 105,300.00 105,589.00 107,559.00 111,577.00 111,577.00 112,295.00 114,050.00 118,027.00 118,288.00 97,249.00 98,949.00 101,554.00
      Accumulated Other Comprehensive Income -101,170.00 -114,041.00 -121,621.00 -142,608.00 -129,094.00 -154,116.00 -156,943.00 -154,256.00 -199,324.00 -191,461.00 -192,324.00 -209,037.00 -216,052.00 -155,398.00 -104,569.00 -10,443.00 10,694.00 19,250.00 20,139.00 25,068.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 18,640,434.00 18,377,226.00 8,116,293.00 8,605,229.00 6,504,439.00 6,422,458.00 6,550,513.00 9,530,975.00 7,609,351.00 7,929,554.00 115,776,138.00 117,420,613.00 126,411,754.00 127,614,032.00 124,220,041.00 126,138,399.00 122,764,488.00 122,048,931.00 110,503,913.00 113,255,605.00
Debt 1,164,941.00 962,325.00 541,324.00 1,077,264.00 541,909.00 661,418.00 536,168.00 1,473,954.00 535,061.00 686,935.00 1,163,168.00 2,280,730.00 739,639.00 544,195.00 546,695.00 970,312.00 480,116.00 484,339.00 479,814.00 992,620.00
Net Debt 81,156.00 0 0 0 0 0 0 0 0 0 315,471.00 961,019.00 260,139.00 0 0 0 0 0 0 0
Common Shares Outstanding 95,020.88 95,019.31 63,739.47 63,565.69 63,564.03 56,367.92 56,304.86 56,142.21 56,140.71 56,132.48 56,073.66 55,953.10 55,953.10 55,932.02 55,880.67 55,756.23 55,747.41 56,350.88 56,294.35 56,200.49
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 22,629.00 14,412.00 7,067.00 -10,651.00 17,188.00 11,353.00 5,669.00 -9,950.00 16,464.00 10,478.00 5,140.00 -12,322.00 17,102.00 11,635.00 5,924.00 -9,330.00 15,182.00 9,811.00 4,792.00
Cost Of Revenue 96,522.00 86,072.00 4,750.00 -5,576.00 6,673.00 5,738.00 2,438.00 -35,522.00 16,275.00 10,960.00 23,880.00 -1,836.00 53,200.00 14,000.00 6,000.00 268.00 4,800.00 0 0
Interest Income 1,856,444.00 1,146,152.00 449,299.00 455,416.00 689,960.00 449,045.00 220,960.00 -364,564.00 609,424.00 393,619.00 189,475.00 -179,107.00 382,820.00 236,229.00 110,855.00 -252,660.00 357,888.00 243,281.00 121,945.00
Interest Expense 338,750.00 211,172.00 86,133.00 223,848.00 283,119.00 185,074.00 89,889.00 -48,468.00 193,514.00 115,220.00 48,270.00 20,465.00 33,282.00 20,467.00 10,562.00 -6,542.00 34,247.00 23,526.00 12,114.00
Net Interest 576,576.00 353,056.00 134,197.00 -238,724.00 379,314.00 248,316.00 123,290.00 -275,813.00 393,374.00 265,991.00 135,775.00 -174,937.00 343,462.00 213,144.00 99,629.00 -227,393.00 322,519.00 219,227.00 109,648.00
Non-Interest Income 130,755.00 84,729.00 36,468.00 192,924.00 169,442.00 80,143.00 41,381.00 114,868.00 92,719.00 54,519.00 37,293.00 138,856.00 115,858.00 74,672.00 37,458.00 145,966.00 179,402.00 128,647.00 81,037.00
Non-Interest Expense 480,910.00 297,080.00 113,949.00 -223,053.00 346,871.00 224,888.00 112,912.00 -209,501.00 324,542.00 216,873.00 107,708.00 -184,822.00 293,873.00 192,299.00 94,105.00 -239,532.00 328,711.00 224,712.00 115,935.00
Provisions for Credit Losses 96,522.00 86,072.00 4,750.00 -5,576.00 6,673.00 5,738.00 2,438.00 -35,522.00 16,275.00 10,960.00 23,880.00 -1,836.00 53,200.00 14,000.00 6,000.00 -268.00 -4,800.00 0 0
Gross Profit -73,893.00 -71,660.00 2,317.00 -5,075.00 10,515.00 5,615.00 3,231.00 25,572.00 189.00 -482.00 -18,740.00 -10,486.00 -36,098.00 -2,365.00 -76.00 5,005.00 10,382.00 0 0
   Selling, General and Administrative Expenses 143,879.00 88,864.00 36,811.00 -5,801.00 74,947.00 50,357.00 25,454.00 -52,023.00 74,713.00 50,440.00 25,171.00 -49,227.00 70,716.00 47,609.00 24,776.00 -53,249.00 76,661.00 51,545.00 26,454.00
EBT 129,899.00 54,633.00 51,966.00 -97,401.00 195,212.00 97,833.00 49,321.00 -118,166.00 145,276.00 92,677.00 57,400.00 -74,338.00 152,147.00 92,017.00 41,482.00 -149,495.00 174,410.00 123,162.00 74,750.00
Income Tax 27,575.00 12,097.00 10,448.00 17,182.00 44,502.00 19,578.00 9,912.00 -559.00 28,722.00 17,956.00 11,322.00 25,167.00 32,355.00 18,792.00 7,935.00 12,274.00 35,572.00 24,387.00 16,842.00
Net Income 114,365.00 50,136.00 44,691.00 -78,413.00 160,428.00 84,168.00 42,213.00 -99,139.00 126,349.00 81,202.00 48,187.00 -61,953.00 123,470.00 75,703.00 34,736.00 -121,324.00 141,318.00 100,732.00 58,776.00
EBIT 468,649.00 265,805.00 138,099.00 126,447.00 478,331.00 282,907.00 139,210.00 -166,634.00 338,790.00 207,897.00 105,670.00 -53,873.00 185,429.00 112,484.00 52,044.00 -156,037.00 208,657.00 146,688.00 86,864.00
Deprecation and Amortization 13,167.00 11,789.00 8,360.00 -15,620.00 23,780.00 16,027.00 8,097.00 -19,094.00 26,723.00 18,365.00 9,237.00 -27,597.00 33,590.00 23,947.00 12,804.00 -19,589.00 34,421.00 22,459.00 10,059.00
EBITDA 481,816.00 277,594.00 146,459.00 110,827.00 502,111.00 298,934.00 147,307.00 -185,728.00 365,513.00 226,262.00 114,907.00 -81,470.00 219,019.00 136,431.00 64,848.00 -175,626.00 243,078.00 169,147.00 96,923.00
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 94,623.55 94,580.93 63,666.42 63,632.28 61,217.09 56,342.91 56,208.35 56,143.52 56,138.62 56,107.88 56,008.74 55,955.15 55,947.21 55,906.75 55,809.19 55,655.69 56,237.06 56,325.72 56,240.20
Average Shares Outstanding Diluted 95,284.60 95,136.16 64,028.03 64,147.01 61,632.45 56,684.63 56,531.08 56,602.89 56,523.89 56,395.65 56,270.22 56,343.49 56,248.72 56,182.85 56,081.86 56,009.75 56,533.09 56,635.90 56,519.20
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 164,331.00 28,861.00 106,152.00 83,970.00 37,331.00 15,980.00 65,057.00 191,500.00 48,124.00 -31,540.00 -7,382.00 -383,292.00 463,107.00 349,706.00 205,816.00 129,129.00 90,171.00 49,580.00 -56,788.00
   Operating Net Income 102,324.00 42,536.00 124,554.00 434,636.00 150,710.00 78,255.00 118,227.00 249,203.00 116,554.00 74,721.00 138,234.00 370,614.00 119,792.00 73,225.00 100,641.00 292,231.00 138,838.00 98,775.00 173,724.00
   Deprecation and Amortization 13,167.00 11,789.00 8,360.00 -15,620.00 23,780.00 16,027.00 8,097.00 -19,094.00 26,723.00 18,365.00 9,237.00 -27,597.00 33,590.00 23,947.00 12,804.00 -19,589.00 34,421.00 22,459.00 10,059.00
   Deferred Income Tax -4,103.00 -608.00 954.00 -693.00 2,494.00 1,142.00 1,706.00 -6,743.00 -1,231.00 302.00 2,667.00 -11,119.00 3,600.00 5,150.00 4,649.00 -4,177.00 5,071.00 4,975.00 5,542.00
   Share Based Compensation 13,527.00 8,084.00 3,780.00 -8,114.00 10,639.00 7,366.00 3,992.00 -6,833.00 10,264.00 6,840.00 3,445.00 -6,681.00 8,558.00 6,290.00 3,338.00 -5,560.00 7,736.00 5,142.00 2,756.00
   Change in Working Capital -18,529.00 -29,336.00 -65,872.00 29,982.00 6,396.00 -9,089.00 -15,366.00 14,080.00 53,730.00 29,840.00 -3,921.00 56,907.00 21,934.00 -16,210.00 -30,215.00 15,744.00 -14,603.00 -10,868.00 199.00
   Other Operating Activities 57,945.00 -3,604.00 34,376.00 -356,221.00 -156,688.00 -77,721.00 -51,599.00 -39,113.00 -157,916.00 -161,608.00 -157,044.00 -765,416.00 275,633.00 257,304.00 114,599.00 -149,520.00 -81,292.00 -70,903.00 -249,068.00
Investing Cash Flow -710,954.00 -262,173.00 -292,055.00 -310,102.00 25,572.00 -43,479.00 29,968.00 -265,453.00 89,172.00 274,113.00 -153,231.00 1,217,813.00 -1,587,457.00 -1,087,213.00 -584,800.00 -311,788.00 -372,260.00 -100,321.00 29,466.00
   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 31,703.00 16,342.00 6,084.00 -7,373.00 10,747.00 7,063.00 3,552.00 -14,407.00 16,394.00 12,353.00 8,237.00 -4,460.00 11,604.00 6,798.00 2,130.00 -19,515.00 25,512.00 21,668.00 2,664.00
   Net Purchase/Sale of Investments Net 2,710,450.00 2,482,560.00 231,421.00 -786,058.00 556,850.00 499,943.00 447,559.00 -1,137,537.00 1,193,859.00 1,121,247.00 69,426.00 -1,383,636.00 1,170,137.00 967,589.00 500,637.00 -1,916,608.00 2,422,634.00 1,693,493.00 870,063.00
   Net Purchase/Sale of Business 261,483.00 261,483.00 0 0.00 55,333.00 0 0 0 0 0 0 90,690.00 10,066.00 10,066.00 10,066.00 0 0 0 0
   Other Investing Activities -3,714,590.00 -3,022,558.00 -529,560.00 483,329.00 -597,358.00 -550,485.00 -421,143.00 886,491.00 -1,121,081.00 -859,487.00 -230,894.00 2,515,219.00 -2,779,264.00 -2,071,666.00 -1,097,633.00 1,624,335.00 -2,820,406.00 -1,815,482.00 -843,261.00
Financing Cash Flow 538,376.00 519,892.00 185,210.00 185,125.00 411,366.00 78,054.00 -51,976.00 -506,594.00 27,868.00 128,334.00 432,318.00 383,241.00 -274,115.00 -129,990.00 108,512.00 -961,253.00 1,125,027.00 1,023,026.00 656,035.00
   Net Issuance/Repayment of Debt 199,795.00 -919.00 -3.00 273,088.00 -198,600.00 -74,591.00 -199,211.00 637,697.00 -604,570.00 -454,927.00 19,825.00 227,922.00 301,808.00 101,632.00 99,860.00 656,765.00 -8,345.00 -4,674.00 -9,144.00
   Net Issuance/Repurchase of Equity 0 0 0 0.00 217,000.00 0 0 0 0 0 0 0 0 0 0 1.00 21,314.00 0 0
   Dividends Paid 56,578.00 35,425.00 14,270.00 -23,729.00 39,510.00 25,293.00 12,653.00 -25,122.00 37,706.00 25,134.00 12,561.00 -24,996.00 37,489.00 24,993.00 12,505.00 -25,229.00 37,578.00 25,104.00 12,564.00
   Other Financing Activities 282,003.00 485,386.00 170,943.00 -64,234.00 353,456.00 127,352.00 134,582.00 -1,119,169.00 594,732.00 558,127.00 399,932.00 180,315.00 -613,412.00 -256,615.00 -3,853.00 -1,592,790.00 1,074,480.00 1,002,596.00 652,615.00
Net Change in Cash -8,247.00 286,580.00 -693.00 -41,007.00 474,269.00 50,555.00 43,049.00 -580,547.00 165,164.00 370,907.00 271,705.00 1,217,762.00 -1,398,465.00 -867,497.00 -270,472.00 -1,143,912.00 842,938.00 972,285.00 628,713.00
   Cash at Beginning of Period 1,092,032.00 1,092,032.00 1,092,032.00 1,133,039.00 801,351.00 801,351.00 801,351.00 1,381,898.00 575,992.00 575,992.00 575,992.00 -641,770.00 1,877,965.00 1,877,965.00 1,877,965.00 3,021,877.00 633,203.00 633,203.00 633,203.00
   Cash at End of Period 1,083,785.00 1,378,612.00 1,091,339.00 1,092,032.00 1,275,620.00 851,906.00 844,400.00 801,351.00 741,156.00 946,899.00 847,697.00 575,992.00 479,500.00 1,010,468.00 1,607,493.00 1,877,965.00 1,476,141.00 1,605,488.00 1,261,916.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0