Valuation Ratios

Breakdown 2025-02-28 2024-02-29 2023-02-28 2022-02-28
Price to Earnings 12.87 33.25 13.37 6.88
Price to Sales 5.47
Book Value Per Common Share 25.86 27.12 29.18 29.33
Price to Book 1.01 0.87 0.94 0.94
Price to Operating Cash Flow 1.83 -1.90 -2.53 -1.55
Price to Free Cash Flow -1.55
Enterprise Value to EBITDA
Breakdown 2025-08-31 2025-05-31 2025-02-28 2024-11-30 2024-08-31 2024-05-31 2024-02-29 2023-11-30 2023-08-31 2023-05-31 2023-02-28 2022-11-30 2022-08-31
Price to Earnings 14.59 27.23 12.29 16.26 49.46 90.38 40.39 -1405.00 57.33 -607.00
Price to Sales
Book Value Per Common Share 76.84 70.57 25.86 47.98 21.33 21.58 27.12 21.63 22.97 21.51 29.18 21.87 28.27
Price to Book 0.33 0.35 1.01 0.54 1.11 1.10 0.87 1.21 1.13 1.31 0.94 1.21 0.86
Price to Operating Cash Flow 30.59 11.78 1.62 2.62 6.23 -2.37 -2.63 -3.01 -1.94 -2.08
Price to Free Cash Flow
Enterprise Value to EBITDA

Earnings Data

Breakdown 2025-02-28 2024-02-29 2023-02-28 2022-02-28
Earning YoY 184.51 -65.53 -48.37
Revenue YoY
EBITDA YoY
Net Profit YoY 214.38
Breakdown 2025-08-31 2025-05-31 2025-02-28 2024-11-30 2024-08-31 2024-05-31 2024-02-29 2023-11-30 2023-08-31 2023-05-31 2023-02-28 2022-11-30 2022-08-31
Earning YoY 92.31 44.14 202.08 -54.69
Revenue YoY
EBITDA YoY
Net Profit YoY 95.36 44.33 201.46 -52.79

Financial Strength

Breakdown 2025-02-28 2024-02-29 2023-02-28 2022-02-28
Cash Per Common Share 10.65 0.69 5.49
Quick Ratio
Current Ratio
Debt to Equity 2.03 2.22 2.11 1.46
Long-Term Debt to Equity
Breakdown 2025-08-31 2025-05-31 2025-02-28 2024-11-30 2024-08-31 2024-05-31 2024-02-29 2023-11-30 2023-08-31 2023-05-31 2023-02-28 2022-11-30 2022-08-31
Cash Per Common Share 6.79 8.58 9.76 10.75 6.16 2.35 0.64 3.80 4.03 4.48 5.53 3.92 1.05
Quick Ratio 0.18
Current Ratio
Debt to Equity 1.94 0.54 2.03 5.08 5.14 5.16 2.22 5.31 5.08 5.89 2.11 5.38 4.87
Long-Term Debt to Equity -0.19

Profitability

Breakdown 2025-02-28 2024-02-29 2023-02-28 2022-02-28
ROA 2.36 0.75 5.22
ROE 7.15 2.41 12.85
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin 79.43
Breakdown 2025-08-31 2025-05-31 2025-02-28 2024-11-30 2024-08-31 2024-05-31 2024-02-29 2023-11-30 2023-08-31 2023-05-31 2023-02-28 2022-11-30 2022-08-31
ROA 2.26 0.83 1.62 1.11 0.36 0.20 0.43 -0.01
ROE 6.63 1.27 9.84 6.80 2.24 1.28 2.63 -0.08
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

Dividends

Breakdown 2025-02-28 2024-02-29 2023-02-28 2022-02-28
Dividend Yield 0.00
Dividend Payout Ratio 39.70
Breakdown 2025-08-31 2025-05-31 2025-02-28 2024-11-30 2024-08-31 2024-05-31 2024-02-29 2023-11-30 2023-08-31 2023-05-31 2023-02-28 2022-11-30 2022-08-31
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown 2025-02-28 2024-02-29 2023-02-28 2022-02-28
Assets 1,191,543.86 1,191,205.83 1,078,158.17 876,239.76
      Cash and Short-Term Investments 148,200.00 8,700.00 65,700.00 0
            Cash and Cash Equivalents 148,218.49 8,692.85 65,746.49 47,257.80
            Short-Term Investments 0 97.83 97,097.00 0
      Net Receivables 7,991.66 10,299.00 8,159.95 5,547.08
      Inventory 0 0 0 0
      Other Current Assets 0 0 0 0
      Property, Plant, Equipment Net 0 0 0 0
      Goodwill 0 0 0 0
      Intangible Assets 0 0 0 0
      Long-Term Investments 0 191,270.04 216,255.58 817,567.35
      Non-Current Deferred Assets 0 0 0 0
      Other Non-Current Assets 0 0 0 0
Liabilities 798,878.39 820,981.73 731,200.13 520,459.23
      Payables and Expenses 0 0 0 0
            Account Payables 0 0 0 3,600.68
            Current Accrued Liabilities 0 0 0 0
      Short-Term Debt 0 0 0 0
      Other Current Liabilities 0 0 0 0
      Long-Term Debt 0 820.38 20,661.00 498,878.48
      Other Non-Current Liabilities 0 0 0 0
Equity 392,665.47 370,224.11 346,958.04 355,780.52
   Shareholders Equity 392,665.47 370,224.11 346,958.04 355,780.52
      Capital Stock 15.18 13.65 11.89 12.13
      Share Premium 412,913.60 371,081.20 321,893.81 328,062.25
      Retained Earnings -20,263.31 -870.75 25,052.35 27,706.15
      Treasury Shares 0 0 0 0
      Accumulated Other Comprehensive Income 0 0 0 0
   Minority Interest 0 0 0 0
Investments 0 191,270.04 216,255.58 0
Debt 1,365,250.00 785,375.00 695,875.00 498,878.48
Net Debt 1,217,050.00 776,675.00 630,175.00 451,620.68
Common Shares Outstanding 15,183.08 13,653.48 11,890.50 12,131.35
Breakdown 2025-02-28 2024-02-29 2023-02-28 2022-02-28
Revenues 0 0 0 57,582.25
   Net Premiums 0 0 1,500.00 0
Cost Of Revenue 0 1,800.00 1,100.00 0
Interest Income 149,655.22 0 33,498.49 58,505.16
Interest Expense 52,059.04 49,179.90 33,498.49 19,880.69
Net Interest 6,530.31 0 33,498.49 0
Non-Interest Expense 0 0 0 6,630.58
Operating Expenses 108,052.63 86,845.60 63,902.97 9,064.99
   Selling, General and Administrative Expenses 4,263.45 4,330.92 4,488.41 6,630.58
   Other Operating Expenses 103,789.18 82,514.68 59,414.56 2,434.41
EBT 0 0 0 48,517.25
Income Tax 412.03 42.93 152.96 2,782.07
Net Income Including Non-Controlling Interests 0 0 0 45,735.18
Net Income 28,086.26 8,933.83 0 45,735.18
Deprecation and Amortization 16,850.33 2,221.26 1,816.93 0
EPS 0.00 0.00 0.00 0.00
Diluted EPS 0.00 0.00 0.00 0.00
Average Shares Outstanding Basic 13,912.17 12,670.94 11,963.53 11,456.63
Average Shares Outstanding Diluted 13,912.17 0 0 11,456.63
Breakdown 2025-02-28 2024-02-29 2023-02-28 2022-02-28
Operating Cash Flow 197,538.51 -157,206.68 -130,373.84 -203,133.63
   Operating Net Income 28,086.26 0 24,675.76 45,735.18
   Deprecation and Amortization 16,850.33 2,221.26 1,816.93 0
   Deferred Income Tax 1,098.18 974.58 1,013.81 0
   Share Based Compensation 0 0 0 0
   Change in Working Capital -4,384.05 2,236.49 3,066.39 10,460.31
   Other Operating Activities 155,887.79 -162,639.01 -160,946.73 -259,329.12
Investing Cash Flow 0 0 0 0
   Capital Expenditure 0.00 0.00 0.00 0
   Net Purchase/Sale of PPE 0 0 0 0
   Net Purchase/Sale of Investments Net 0 0 0 0
   Net Purchase/Sale of Business 0 0 0 0
   Other Investing Activities 0 0 0 0
Financing Cash Flow -33,321.71 101,637.53 173,579.77 226,088.89
   Net Issuance/Repayment of Debt 86,500.00 206,000.00 223,875.00 230,750.00
   Net Issuance/Repurchase of Equity 70,453.79 51,172.29 10,824.34 24,290.17
   Dividends Paid 40,747.25 32,053.61 22,665.14 -18,158.03
   Other Financing Activities -231,022.75 -187,588.37 -83,784.71 -10,793.24
Net Change in Cash 164,216.80 -55,569.15 43,205.93 22,955.27
   Cash at Beginning of Period 40,507.12 96,076.27 52,870.34 29,915.07
   Cash at End of Period 204,723.92 40,507.12 96,076.27 52,870.34
Free Cash Flow 0 0 0 -203,133.63
Breakdown 2025-08-31 2025-05-31 2025-02-28 2024-11-30 2024-08-31 2024-05-31 2024-02-29 2023-11-30 2023-08-31 2023-05-31 2023-02-28 2022-11-30 2022-08-31
Assets 1,206,211.43 1,688,630.93 1,191,543.86 1,777,469.02 1,799,485.23 1,820,387.05 1,191,205.83 1,790,626.20 1,778,754.10 1,755,464.78 1,078,158.17 1,658,034.54 1,596,029.94
      Cash and Short-Term Investments 105,660.18 131,600.00 148,200.00 147,600.00 84,400.00 32,200.00 8,700.00 47,000.00 48,400.00 53,200.00 65,700.00 47,000.00 12,600.00
            Cash and Cash Equivalents 105,660.18 149,053.37 148,218.49 174,531.86 110,254.41 59,177.19 8,692.85 35,068.14 33,454.38 35,341.91 65,746.49 22,312.28 14,945.91
            Short-Term Investments 0 0 0 0 88.60 92.25 97.83 92,268.00 100,999.00 96,673.00 97,097.00 94,513.00 88,823.00
      Net Receivables 9,495.83 10,990.09 7,991.66 11,028.44 13,619.65 13,240.04 10,299.00 12,802.29 12,715.81 11,085.01 8,159.95 11,832.65 7,813.85
      Inventory 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
      Property, Plant, Equipment Net 0 0 0 0 0 0 0 0 0 0 0 0 0
      Goodwill 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
      Long-Term Investments 0 0 0 0 148,341.50 100,690.57 191,270.04 190,470.14 204,256.80 200,267.50 216,255.58 217,275.33 200,332.42
      Non-Current Deferred Assets 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
Liabilities 795,711.87 592,662.12 798,878.39 1,485,034.90 1,506,320.98 1,524,740.53 820,981.73 1,507,010.03 1,486,365.41 1,500,584.00 731,200.13 1,398,142.84 1,324,101.80
   Current Liabilities 0 805,900.02 0 0 0 0 0 0 0 0 0 0 0
      Payables and Expenses 2,000.00 6,750.00 0 0 0 0 0 0 0 0 0 0 0
            Account Payables 2,000.00 6,750.00 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
      Short-Term Debt 0 0 0 0 0 0 0 0 0 0 0 0 0
      Other Current Liabilities 0 799,150.02 0 0 0 0 0 0 0 0 0 0 0
   Non-Current Liabilities 0 -213,237.90 0 0 0 0 0 0 0 0 0 0 0
      Long-Term Debt 0 0 0 0 837.88 830.88 820.38 17,619.00 17,619.00 20,744.00 20,661.00 20,599.00 16,841.00
      Other Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0
Equity 410,499.57 1,095,968.81 392,665.47 292,434.12 293,164.25 295,646.53 370,224.11 283,616.17 292,388.68 254,880.79 346,958.04 259,891.70 271,928.14
   Shareholders Equity 1,231,498.70 1,095,968.81 392,665.47 667,299.78 293,164.25 295,646.53 370,224.11 283,616.17 292,388.68 254,880.79 346,958.04 259,891.70 337,213.28
      Capital Stock 16.03 15.78 15.18 14.16 14.00 13.95 13.65 13.37 12.98 12.10 11.89 12.13 12.18
      Share Premium 434,306.85 421,664.91 412,913.60 377,235.61 373,087.03 372,068.73 371,081.20 356,698.59 345,876.72 320,793.32 321,893.81 321,802.39 322,832.99
      Retained Earnings -23,823.31 -118,450.51 -20,263.31 -84,815.65 -79,936.78 -76,436.15 -870.75 -73,095.79 -53,501.02 -65,924.63 25,052.35 -61,922.82 -50,917.03
      Treasury Shares 0 0 0 0 0 0 0 0 0 0 0 0 0
      Accumulated Other Comprehensive Income 0 0 0 0 0 0 0 0 0 0 0 0 0
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 148,341.50 100,690.57 191,270.04 190,470.14 204,256.80 200,267.50 216,255.58 217,275.33 200,332.42
Debt 1,332,750.00 1,325,250.00 1,365,250.00 1,409,250.00 785,375.00 785,375.00 785,375.00 776,375.00 760,375.00 773,375.00 695,875.00 676,160.00 1,922,656.00
Net Debt 1,227,089.82 1,193,650.00 1,217,050.00 1,261,650.00 700,975.00 753,175.00 776,675.00 729,375.00 711,975.00 720,175.00 630,175.00 629,160.00 1,910,056.00
Common Shares Outstanding 16,027.31 15,529.39 15,183.08 13,909.21 13,745.77 13,698.97 13,653.48 13,114.98 12,729.78 11,847.74 11,890.50 11,885.48 11,927.24
Breakdown 2025-08-31 2025-05-31 2025-02-28 2024-11-30 2024-08-31 2024-05-31 2024-02-29 2023-11-30 2023-08-31 2023-05-31 2022-11-30 2022-08-31
   Net Premiums 0 0 0 0 0 0 0 0 0 500.00 0 0
Cost Of Revenue 0 0 0 0 0 0 1,800.00 0 0 0 0 0
Operating Expenses 65,183.31 36,099.58 -131,116.32 118,222.64 80,385.75 40,560.57 -49,360.62 62,396.74 40,222.45 33,587.03 41,237.33 43,095.07
   Selling, General and Administrative Expenses 2,555.90 1,607.05 -5,041.44 4,440.13 3,119.93 1,744.84 -3,584.96 3,870.42 2,607.26 1,438.20 3,366.45 2,140.28
   Other Operating Expenses 62,627.41 34,492.54 -126,074.88 113,782.52 77,265.81 38,815.73 -45,775.66 58,526.32 37,615.19 32,148.82 37,870.88 40,954.79
Interest Income 63,360.29 32,705.52 1,227.42 148,427.80 0 0 0 79,977.70 52,811.02 25,616.95 949.76 30,903.35
Interest Expense 49,620.64 25,096.23 -112,852.29 81,740.84 55,021.99 28,148.50 -109,225.77 79,977.70 52,811.02 25,616.95 49,530.98 30,903.35
Net Interest 26,348.26 13,441.07 1,753.17 4,777.15 0 0 0 79,977.70 52,811.02 25,616.95 1,100.00 30,903.35
EBT 0 0 0 0 0 0 0 0 0 0 0 0
Income Tax 43.14 54.45 191.85 98.26 61.64 60.28 42.93 0.00 0.00 0.00 0.00 0.00
Net Income 27,217.40 13,932.26 -27,215.28 28,763.02 19,928.08 6,610.44 -2,162.68 3,627.07 7,682.69 -213.26 0 0
Deprecation and Amortization 1,164.25 858.54 1,659.45 13,091.84 1,285.03 814.01 -744.48 1,641.65 862.54 461.54 1,245.36 833.94
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
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
Average Shares Outstanding Basic 15,560.11 15,344.51 14,527.60 13,733.01 13,704.76 13,683.31 14,454.60 12,355.82 12,011.18 11,862.16 11,989.81 12,037.85
Average Shares Outstanding Diluted 15,560.11 15,344.51 28,210.91 13,733.01 13,704.76 0 0.00 0 0 0 0 0
Breakdown 2025-08-31 2025-05-31 2025-02-28 2024-11-30 2024-08-31 2024-05-31 2024-02-29 2023-11-30 2023-08-31 2023-05-31 2022-11-30 2022-08-31
Operating Cash Flow 12,989.08 32,291.22 -195,355.95 217,455.18 123,294.23 52,145.05 208,251.56 -136,548.60 -117,996.18 -110,913.47 -162,929.18 -140,465.74
   Operating Net Income 21,547.69 7,447.81 -8,119.57 17,809.48 12,516.48 5,879.88 0 -1,688.58 8,619.54 -12,156.40 5,475.28 -538.99
   Deprecation and Amortization 1,164.25 858.54 1,659.45 13,091.84 1,285.03 814.01 -744.48 1,641.65 862.54 461.54 1,245.36 833.94
   Deferred Income Tax -435.31 105.09 -664.40 790.23 626.73 345.62 354.91 635.79 -30.06 13.94 336.90 322.23
   Share Based Compensation 0 0 0 0 0 0 0 0 0 0 0 0
   Change in Working Capital 3,309.70 2,150.04 -8,026.43 604.32 670.64 2,367.42 -741.82 2,718.54 -478.93 738.70 3,722.03 389.52
   Other Operating Activities -12,597.24 21,729.74 -180,204.99 185,159.31 108,195.35 42,738.11 204,157.51 -139,856.00 -126,969.27 -99,971.25 -173,708.75 -141,472.44
Investing Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0
   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
   Net Purchase/Sale of PPE 0 0 0 0 0 0 0 0 0 0 0 0
   Net Purchase/Sale of Investments Net 0 0 0 0 0 0 0 0 0 0 0 0
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 0
   Other Investing Activities 0 0 0 0 0 0 0 0 0 0 0 0
Financing Cash Flow -16,908.30 -12,728.42 -24,371.00 -7,798.28 -1,797.17 644.75 -124,204.46 87,498.82 70,352.81 67,990.36 157,106.48 100,242.79
   Net Issuance/Repayment of Debt 42,500.00 37,500.00 -34,000.00 42,500.00 42,500.00 35,500.00 -312,000.00 197,000.00 181,000.00 140,000.00 163,500.00 105,500.00
   Net Issuance/Repurchase of Equity 35,614.99 12,841.59 -280,323.28 179,777.08 171,000.00 0 -14,452.84 36,761.51 26,706.01 2,157.61 9,600.12 7,420.42
   Dividends Paid 27,175.45 16,667.93 -13,386.53 27,055.97 18,098.34 8,979.46 -12,983.75 23,165.23 14,737.58 7,134.56 15,884.29 10,601.93
   Other Financing Activities -122,198.74 -79,737.93 303,338.82 -257,131.33 -233,395.52 -43,834.72 215,232.13 -169,427.92 -152,090.78 -81,301.80 -31,877.93 -23,279.56
Net Change in Cash -3,919.22 19,562.80 -219,726.95 209,656.90 121,497.06 52,789.79 84,047.11 -49,049.77 -47,643.37 -42,923.11 -5,822.70 -40,222.95
   Cash at Beginning of Period 204,723.92 204,723.92 424,450.87 40,507.12 40,507.12 40,507.12 -43,539.98 96,076.27 96,076.27 96,076.27 52,870.34 52,870.34
   Cash at End of Period 200,804.71 224,286.73 204,723.92 250,164.02 162,004.18 93,296.92 40,507.12 47,026.50 48,432.90 53,153.17 47,047.64 12,647.39
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0