SACH

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings -1.45 13.85 7.17 13.27 10.15
Price to Sales 1.11 2.52 2.38 5.05 4.95
Book Value Per Common Share 3.87 4.92 5.30 5.50 3.66
Price to Book 0.35 0.76 0.62 1.06 1.14
Price to Operating Cash Flow 4.97 7.57 9.47 5.47 9.56
Price to Free Cash Flow 10.77 5.64 9.71
Enterprise Value to EBITDA
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-03-31 2023-12-31 2023-03-31 2022-12-31 2022-09-30 2022-03-31 2021-12-31 2021-03-31 2020-12-31
Price to Earnings 60.00 -19.38 55.75 37.20 30.27 51.20 52.20
Price to Sales 9.72 10.08 4.74 19.08 12.27 10.82 9.55 17.34 20.23
Book Value Per Common Share 3.68 3.76 3.79 3.87 4.69 5.00 4.92 5.23 5.30 5.47 5.62 5.50 3.77 3.66
Price to Book 0.30 0.32 0.31 0.35 0.54 0.89 0.76 0.71 0.62 0.61 0.91 1.06 1.38 1.14
Price to Operating Cash Flow 10.55 112.15 282.93 51.22 50.06 31.77 26.66 23.65 41.43
Price to Free Cash Flow 10.58 113.21 50.60 37.01 23.66 41.96
Enterprise Value to EBITDA 551203.63

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -41.30 4.55 7.32
Revenue YoY -12.36 25.51 71.82 63.55
EBITDA YoY
Net Profit YoY -23.96 56.99 48.09
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-03-31 2023-12-31 2023-03-31 2022-12-31 2022-09-30 2022-03-31 2021-12-31 2021-03-31 2020-12-31
Earning YoY -20.00 -9.09 10.00 0.00
Revenue YoY -4.05 -51.21 -66.39 16.95 8.62 31.45 80.34
EBITDA YoY
Net Profit YoY -14.93 -8.79 1.32 16.14 99.33

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 0.41 1.14 1.28 3.90 2.56
Quick Ratio
Current Ratio
Debt to Equity 1.71 1.72 1.60 1.32 1.80
Long-Term Debt to Equity
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-03-31 2023-12-31 2023-03-31 2022-12-31 2022-09-30 2022-03-31 2021-12-31 2021-03-31 2020-12-31
Cash Per Common Share 0.55 0.42 1.20 1.08 1.31 1.18 1.80 2.68 3.13 2.47 2.56
Quick Ratio
Current Ratio
Debt to Equity 1.76 1.82 1.74 1.71 1.52 1.64 1.72 1.61 1.60 1.56 1.42 1.32 1.70 1.80
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA -8.04 2.54 3.70 3.19 3.97
ROE -21.78 6.91 9.60 7.40 11.11
Gross Margin 53.17 91.51
Operating Margin -68.82
EBITDA Margin -68.17
Net Profit Margin -68.82 24.23 40.00 43.78 48.35
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-03-31 2023-12-31 2023-03-31 2022-12-31 2022-09-30 2022-03-31 2021-12-31 2021-03-31 2020-12-31
ROA -0.02 0.15 0.18 -1.11 0.75 0.86 0.90 0.90 0.96
ROE -0.07 0.43 0.50 -2.79 1.97 2.24 2.30 2.18 2.58
Gross Margin 90.81 92.37 99.62
Operating Margin 7.90
EBITDA Margin 8.70
Net Profit Margin -2.24 13.78 7.90 -98.26 27.15 34.81 37.32 42.24 38.22

Dividends

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Dividend Yield 0.00
Dividend Payout Ratio 88.54
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-03-31 2023-12-31 2023-03-31 2022-12-31 2022-09-30 2022-03-31 2021-12-31 2021-03-31 2020-12-31
Dividend Yield 0.00 0.00 0.00 0.00
Dividend Payout Ratio -2919.17 452.93 -79.60 121.61

Financial Statements

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Assets 491,976.00 625,538.81 565,661.86 417,961.75 226,670.18
      Cash and Short-Term Investments 19,583.00 50,374.29 48,289.56 102,572.56 56,701.73
            Cash and Cash Equivalents 18,066.00 12,598.26 23,713.10 41,938.90 19,408.03
            Short-Term Investments 1,517.00 37,776.03 24,576.46 60,633.66 37,293.70
      Net Receivables 3,768.00 8,474.82 6,309.85 3,693.64 1,820.07
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 3,222.00 3,373.49 4,121.72 2,172.18 1,433.39
      Real Estate 14,216.00 10,554.46 5,216.15 6,559.01 8,861.61
      Goodwill 400.00 400.00 391.00 0 0
      Intangible Assets 0 0 0 0 0
      Long-Term Investments 53,942.00 0 0 0 0
      Non-Current Deferred Assets 0 0 0 0 0
      Other Non-Current Assets 0 0 0 0 0
Liabilities 310,325.00 395,464.12 347,954.51 237,879.19 145,750.64
      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 181,651.00 230,074.69 217,707.35 180,082.56 80,919.54
   Shareholders Equity 181,651.00 230,074.69 217,707.35 180,082.56 80,919.54
      Capital Stock 49.00 48.80 43.00 34.63 22.12
      Share Premium 256,956.00 249,825.78 226,220.99 185,516.39 83,814.38
      Retained Earnings 0 -20,115.50 -7,995.14 -4,992.45 -2,890.97
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income 0 315.61 -561.49 -476.02 -25.99
   Minority Interest 0 0 0 0 0
Investments 55,459.00 37,776.03 24,576.46 60,633.66 37,293.70
Debt 226,526.00 282,353.26 280,049.15 160,560.28 109,695.37
Net Debt 206,943.00 231,978.97 231,759.59 57,987.73 52,993.64
Common Shares Outstanding 46,965.31 46,765.48 41,093.54 32,730.00 22,124.80
Preferred Shares Outstanding 0 0 1,903.00 1,903.00 0
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 57,500.00 65,609.14 52,276.03 30,424.55 18,602.90
Cost Of Revenue 26,928.00 5,571.61 0 0 0
Interest Expense 0.00 0.00 0.00 0.00 0.00
Provisions for Credit Losses 26,928.00 5,571.61 0 0 0
Gross Profit 30,572.00 60,037.53 0 0 0
Operating Expenses 48,348.00 0 0 0 0
   Selling, General and Administrative Expenses 6,841.00 5,293.06 3,097.22 2,243.04 1,191.40
   Other Operating Expenses 41,507.00 0 0 0 0
Operating Income -17,776.00 0 0 0 0
Net Non-Operating Income -21,795.00 0 0 0 0
EBT -39,571.00 0 0 0 0
Income Tax 200.00 90.44 0.00 0.00 0.00
Equity Method Investments Income 5,239.00 0 0 0 0
Net Income -39,571.00 15,899.15 20,908.65 13,318.70 8,993.86
EBIT -39,571.00 0 0 0 0
Deprecation and Amortization 372.00 266.33 106.41 83.53 61.87
EBITDA -39,199.00 0 0 0 0
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 47,413.01 44,244.99 37,741.66 26,316.29 22,118.52
Average Shares Outstanding Diluted 47,413.01 44,244.99 37,749.17 26,324.99 22,118.52
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 12,890.00 21,855.51 13,148.36 28,079.80 9,627.81
   Operating Net Income -39,571.00 15,899.15 20,908.65 13,318.70 8,993.86
   Deprecation and Amortization 372.00 266.33 106.41 83.53 61.87
   Deferred Income Tax 0 0 0 0 0
   Share Based Compensation 863.00 822.23 495.01 191.32 16.43
   Change in Working Capital 2,286.00 -3,272.71 -4,563.36 962.50 -494.64
   Other Operating Activities 48,940.00 8,140.51 -3,798.36 13,523.76 1,050.29
Investing Cash Flow 79,910.00 -72,488.18 -159,538.62 -166,270.11 -82,823.81
   Capital Expenditure 0.00 0.00 -1,581.35 -822.32 -148.86
   Net Purchase/Sale of PPE 0 0 -1,581.35 -822.32 -148.86
   Net Purchase/Sale of Investments Net 36,121.00 -12,524.80 33,334.86 -24,774.90 -22,227.74
   Net Purchase/Sale of Business -10,905.00 0 0 0 0
   Other Investing Activities 54,694.00 -59,963.38 -189,710.78 -139,850.56 -60,298.36
Financing Cash Flow -87,332.00 39,517.82 128,164.46 160,721.17 73,762.09
   Net Issuance/Repayment of Debt -107,914.00 -16,078.38 23,421.37 23,160.46 28,292.74
   Net Issuance/Repurchase of Equity 9,245.00 23,241.01 39,221.94 101,523.10 0
   Dividends Paid 20,812.00 25,727.89 22,496.78 14,121.56 -7,963.13
   Other Financing Activities -9,475.00 6,627.31 43,024.36 21,916.06 53,432.47
Net Change in Cash 5,468.00 -11,114.84 -18,225.80 22,530.87 566.09
   Cash at Beginning of Period 12,598.00 23,713.10 41,938.90 19,408.03 18,841.94
   Cash at End of Period 18,066.00 12,598.26 23,713.10 41,938.90 19,408.03
Free Cash Flow 0 0 11,567.01 27,257.48 9,478.95
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-03-31 2023-12-31 2023-03-31 2022-12-31 2022-09-30 2022-03-31 2021-12-31 2021-03-31 2020-12-31
Assets 484,397.00 501,763.00 491,395.00 491,976.00 555,457.00 626,527.48 625,538.81 596,997.04 565,661.86 561,821.38 481,764.61 417,961.75 228,432.45 226,670.18
      Cash and Short-Term Investments 0 0 25,806.00 19,583.00 0 56,846.15 50,374.29 56,169.72 48,289.56 69,815.63 93,373.70 102,572.56 54,651.09 56,701.73
            Cash and Cash Equivalents 11,172.00 22,474.00 24,414.00 18,066.00 5,881.00 18,413.40 12,598.26 20,332.52 23,713.10 35,464.26 57,863.47 41,938.90 18,345.65 19,408.03
            Short-Term Investments 0 0 1,392.00 1,517.00 0 38,432.75 37,776.03 35,837.20 24,576.46 34,351.37 35,510.23 60,633.66 36,305.44 37,293.70
      Net Receivables 13,581.00 15,306.00 4,281.00 3,768.00 14,561.00 8,083.43 8,474.82 6,645.91 6,309.85 5,746.91 3,988.13 3,693.64 1,882.61 1,820.07
      Inventory 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
      Property, Plant, Equipment Net 3,053.00 3,126.00 3,209.00 3,222.00 3,249.00 3,330.65 3,373.49 4,792.47 4,121.72 3,397.81 2,153.60 2,172.18 1,449.65 1,433.39
      Real Estate 0 0 16,654.00 14,216.00 0 11,339.98 10,554.46 6,138.91 5,216.15 5,615.94 6,312.82 6,559.01 8,624.04 8,861.61
      Goodwill 391.00 391.00 391.00 400.00 391.00 400.00 400.00 391.00 391.00 0 0 0 0 0
      Intangible Assets 667.00 679.00 0 0 698.00 0 0 0 0 0 0 0 0 0
      Long-Term Investments 42,596.00 49,749.00 53,935.00 53,942.00 55,686.00 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
      Other Non-Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Liabilities 308,779.00 323,856.00 312,056.00 310,325.00 334,850.00 389,084.44 395,464.12 368,000.99 347,954.51 342,521.41 282,354.84 237,879.19 143,790.73 145,750.64
      Payables and Expenses 2,495.00 2,457.00 0 0 2,070.00 0 0 0 0 0 0 0 0 0
            Account Payables 2,495.00 2,457.00 0 0 2,070.00 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
      Short-Term Debt 32,740.00 26,238.00 0 0 35,500.00 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
      Long-Term Debt 259,026.00 275,544.00 0 0 262,151.00 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
Equity 175,618.00 177,907.00 179,339.00 181,651.00 220,607.00 237,443.04 230,074.69 228,996.05 217,707.35 219,299.97 199,409.76 180,082.56 84,641.72 80,919.54
   Shareholders Equity 175,618.00 177,907.00 179,339.00 181,651.00 220,607.00 237,443.04 230,074.69 228,996.05 217,707.35 219,299.97 199,409.76 180,082.56 84,641.72 80,919.54
      Capital Stock 50.00 49.00 49.00 49.00 49.00 49.55 48.80 45.67 43.00 41.98 37.42 34.63 22.43 22.12
      Share Premium 257,600.00 257,384.00 257,220.00 256,956.00 256,310.00 253,669.95 249,825.78 235,709.50 226,220.99 222,520.78 201,168.30 185,516.39 85,360.65 83,814.38
      Retained Earnings 39,306.00 38,309.00 0 0 -35,752.00 -16,466.80 -20,115.50 -6,289.26 -7,995.14 -2,705.25 -1,562.75 -4,992.45 -707.87 -2,890.97
      Treasury Shares 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Accumulated Other Comprehensive Income 0 0 0 0 0 190.33 315.61 -469.85 -561.49 -557.54 -233.21 -476.02 -33.49 -25.99
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 55,327.00 55,459.00 0 38,432.75 37,776.03 35,837.20 24,576.46 34,351.37 35,510.23 60,633.66 36,305.44 37,293.70
Debt 291,766.00 301,782.00 227,007.00 226,526.00 297,651.00 282,958.51 282,353.26 280,608.11 280,049.15 279,557.61 209,074.96 160,560.28 109,933.85 109,695.37
Net Debt 279,966.00 278,666.00 201,201.00 206,943.00 291,105.00 226,112.36 231,978.97 224,438.39 231,759.59 209,741.98 115,701.26 57,987.73 55,282.75 52,993.64
Common Shares Outstanding 47,691.12 47,310.14 47,310.14 46,965.31 47,011.35 47,446.05 46,765.48 43,756.72 41,093.54 40,080.67 35,513.89 32,730.00 22,428.21 22,124.80
Preferred Shares Outstanding 0 0 0 0 0 0 0 1,909.19 1,903.00 1,903.00 1,903.00 1,903.00 0 0
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-03-31 2022-09-30 2022-03-31 2021-03-31
Revenues 5,356.00 5,582.00 11,442.00 34,044.04 6,255.00 0 17,200.96 14,707.76 13,540.99 10,301.38 5,712.18
Cost Of Revenue 0 0 1,052.00 25,615.98 0 0 1,312.02 56.00 0 0 0
Interest Income 8,326.00 7,482.00 0 0 11,420.00 0 0 0 0 0 0
Interest Expense 6,565.00 6,139.00 0.00 -6,836.00 6,836.00 0 0.00 0.00 0.00 0.00 0.00
Non-Interest Expense 0 3,748.00 0 0 0 0 0 0 0 0 0
Provisions for Credit Losses 0 0 1,052.00 25,615.98 0 0 1,312.02 56.00 0 0 0
Gross Profit 0 0 10,390.00 14,683.07 0 0 15,888.93 14,651.76 0 0 0
Operating Expenses 0 0 9,361.00 48,348.00 0 0 0 0 0 0 0
   Selling, General and Administrative Expenses 4,013.00 3,125.00 1,355.00 1,556.43 4,046.00 0 1,238.57 898.12 715.99 631.95 391.36
   Other Operating Expenses 0 0 8,006.00 41,507.00 0 0 0 0 0 0 0
Operating Income 0 0 1,029.00 -17,776.00 0 0 0 0 0 0 0
Net Non-Operating Income 0 0 -125.00 -21,795.00 0 0 0 0 0 0 0
EBT 997.00 1,887.00 904.00 -34,520.00 -5,051.00 0 0 0 0 0 0
Income Tax 0 0 0.00 9.97 0 0 190.03 0.00 0.00 0.00 0.00
Equity Method Investments Income 0 0 2,052.00 5,239.00 0 0 0 0 0 0 0
Net Income Including Non-Controlling Interests 997.00 1,887.00 0 0 -5,051.00 0 0 0 0 0 0
Net Income -120.00 769.00 904.00 -38,095.22 -6,146.00 0 4,670.23 5,120.22 5,053.64 4,351.47 2,183.10
EBIT 0 0 904.00 -39,571.00 0 0 0 0 0 0 0
Deprecation and Amortization 134.00 142.00 92.00 185.83 92.00 0 94.17 40.13 44.29 22.24 19.60
EBITDA 0 0 996.00 -39,199.00 0 0 0 0 0 0 0
EPS 0 0.00 0 -0.00 -0.00 -0.00 0.00 0.00 0.00 0.00 0.00
Diluted EPS 0 0.00 0 0.00 -0.00 -0.00 0.00 0.00 0.00 0.00 0.00
Average Shares Outstanding Basic 46,902.15 46,875.19 46,784.74 47,481.15 47,339.64 47,504.88 47,326.38 42,792.51 38,829.61 34,892.88 22,138.01
Average Shares Outstanding Diluted 46,902.15 46,875.19 46,784.74 47,481.15 47,339.64 47,504.88 47,326.38 42,792.51 38,829.85 34,898.67 22,138.01
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-03-31 2023-03-31 2022-09-30 2022-03-31 2021-03-31
Operating Cash Flow 4,932.00 501.00 191.00 2,331.00 4,216.53 5,009.39 4,850.55 7,555.12 2,789.06
   Operating Net Income 997.00 1,887.00 904.00 -5,051.00 4,670.23 5,120.22 10,281.22 4,351.47 2,183.10
   Deprecation and Amortization 134.00 142.00 92.00 92.00 94.17 40.13 44.29 22.24 19.60
   Deferred Income Tax 0 0 0 0 0 0 0.00 0 0
   Share Based Compensation 217.00 164.00 264.00 213.00 238.71 173.31 250.44 106.88 4.11
   Change in Working Capital 3,430.00 -1,584.00 -1,733.00 -1,923.00 -1,117.67 -941.91 -1,792.65 -95.34 -702.15
   Other Operating Activities 154.00 -108.00 664.00 9,000.00 331.09 617.63 -3,932.76 3,169.88 1,284.40
Investing Cash Flow 4,247.00 -8,405.00 5,747.00 16,728.00 4,319.19 -33,955.04 -102,784.70 -48,442.63 -2,071.12
   Capital Expenditure 0 0 0.00 0 0.00 -710.88 0.00 -3.66 -35.87
   Net Purchase/Sale of PPE -12.00 -2.00 0 52.00 0 -710.88 -1,288.50 -3.66 -35.87
   Net Purchase/Sale of Investments Net 8,517.00 6,399.00 0 -7,166.00 -596.82 -10,190.70 -1,639.01 23,982.54 690.97
   Net Purchase/Sale of Business 0 0 7.00 0 0 0 0.00 0 0
   Net Loan & Lease Activity 0 0 0 0 0
   Other Investing Activities -4,258.00 -14,802.00 5,740.00 23,842.00 4,916.01 -22,342.58 -99,857.19 -72,417.85 -2,690.35
Financing Cash Flow -20,481.00 5,964.00 410.00 -23,755.00 -2,720.57 25,565.07 75,534.94 56,812.08 -1,780.31
   Net Issuance/Repayment of Debt -10,364.00 40,117.00 -40,000.00 -19,520.00 -600.50 11,518.10 26,040.13 -2,047.33 -667.80
   Net Issuance/Repurchase of Equity 0 0 0 168.00 3,606.22 9,317.86 21,106.60 15,547.82 1,545.19
   Dividends Paid -3,503.00 -3,483.00 3,480.00 -4,892.00 6,165.73 6,266.92 11,423.72 4,849.37 -2,654.98
   Other Financing Activities -6,614.00 -30,670.00 36,930.00 489.00 -11,892.03 -1,537.81 16,964.49 38,462.23 -2.73
Net Change in Cash -11,302.00 -1,940.00 6,348.00 -4,696.00 5,815.15 -3,380.58 -22,399.21 15,924.57 -1,062.37
   Cash at Beginning of Period 22,474.00 24,414.00 18,066.00 10,577.00 12,598.26 23,713.10 57,863.47 41,938.90 19,408.03
   Cash at End of Period 11,172.00 22,474.00 24,414.00 5,881.00 18,413.40 20,332.52 35,464.26 57,863.47 18,345.65
Free Cash Flow 4,920.00 499.00 0 2,357.00 0 4,298.51 0.00 7,551.47 2,753.19