SFNC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 18.18 | 14.27 | 10.43 | 11.98 | 9.31 |
| Price to Sales | 55.78 | 49.60 | 57.50 | 74.98 | 55.05 |
| Book Value Per Common Share | 84.25 | 82.11 | 77.20 | 86.47 | 82.63 |
| Price to Book | 0.26 | 0.24 | 0.28 | 0.34 | 0.26 |
| Price to Operating Cash Flow | 4.25 | 3.45 | 5.73 | 6.45 | 4.90 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA |
| 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 | -5.27 | 27.48 | 78.96 | 25.95 | 27.47 | 62.77 | 14.25 | 21.04 | 48.58 | 15.45 | 27.61 | 45.21 | 14.35 | 22.40 | 47.85 | |||||
| Price to Sales | 70.25 | 94.71 | 204.48 | 73.24 | 91.14 | 203.98 | 56.93 | 86.64 | 178.83 | 80.47 | 123.60 | 275.71 | 102.04 | 160.86 | 330.40 | |||||
| Book Value Per Common Share | 23.18 | 28.17 | 28.04 | 84.25 | 28.11 | 27.56 | 27.42 | 82.11 | 26.26 | 26.59 | 26.24 | 77.20 | 24.87 | 25.31 | 26.32 | 86.47 | 28.43 | 28.04 | 27.05 | 82.63 |
| Price to Book | 0.83 | 0.67 | 0.73 | 0.26 | 0.77 | 0.64 | 0.71 | 0.24 | 0.65 | 0.65 | 0.67 | 0.28 | 0.88 | 0.84 | 1.00 | 0.34 | 1.04 | 1.05 | 1.10 | 0.26 |
| Price to Operating Cash Flow | 8.05 | 21.62 | 78.75 | 7.88 | 15.36 | 42.35 | 17.85 | 13.80 | 22.53 | 12.32 | 15.34 | 48.71 | 14.54 | 18.03 | 42.39 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -12.23 | -32.85 | -16.19 | 6.47 | |
| Revenue YoY | -1.25 | 8.60 | 7.62 | 0.35 | |
| EBITDA YoY | |||||
| Net Profit YoY | -12.78 | -31.73 | -5.44 | 6.38 |
| 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 | 165.38 | 29.69 | 106.45 | 45.12 | 127.78 | 83.12 | 32.76 | 57.25 | 111.29 | |||||||||||
| Revenue YoY | 51.72 | 99.63 | 52.52 | 102.48 | 49.09 | 103.58 | 56.90 | 106.39 | 58.47 | 103.45 | ||||||||||
| EBITDA YoY | ||||||||||||||||||||
| Net Profit YoY | -87.50 | 169.12 | 31.07 | 104.87 | 45.47 | 127.91 | 87.09 | 42.18 | 56.61 | 111.13 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 13.24 | 11.02 | 11.95 | 31.73 | 64.78 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.70 | 3.55 | 3.76 | 3.38 | 3.33 |
| 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 | 4.86 | 5.12 | 5.04 | 13.23 | 4.81 | 4.58 | 4.81 | 11.12 | 4.78 | 5.87 | 4.12 | 11.66 | 5.31 | 7.52 | 15.00 | 30.85 | 16.47 | 21.59 | 36.09 | 65.85 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 6.22 | 6.52 | 6.59 | 0.70 | 6.73 | 6.91 | 6.96 | 3.55 | 7.39 | 7.33 | 7.26 | 3.76 | 7.58 | 7.35 | 7.27 | 3.38 | 6.66 | 6.71 | 6.97 | 3.33 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.26 | 0.56 | 0.82 | 0.95 | 0.99 |
| ROE | 0.45 | 2.55 | 3.92 | 4.17 | 4.28 |
| Gross Margin | 6.24 | 16.83 | 69.75 | 24.35 | -74.02 |
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 306.01 | 346.44 | 551.10 | 627.23 | 591.67 |
| 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 | 0.05 | 0.33 | 0.12 | 0.38 | 0.29 | 0.14 | 0.55 | 0.37 | 0.17 | 0.64 | 0.34 | 0.27 | 0.96 | 0.61 | 0.29 | |||||
| ROE | 0.32 | 2.46 | 0.92 | 2.96 | 2.30 | 1.13 | 4.60 | 3.10 | 1.37 | 5.48 | 2.84 | 2.20 | 7.36 | 4.68 | 2.30 | |||||
| Gross Margin | -32.51 | -53.60 | -112.09 | 9.39 | 11.99 | 14.63 | 15.23 | 4.12 | -94.71 | 59.44 | 36.83 | -458.55 | -191.16 | -59.51 | 85.13 | |||||
| Operating Margin | ||||||||||||||||||||
| EBITDA Margin | ||||||||||||||||||||
| Net Profit Margin | 28.46 | 345.56 | 256.34 | 282.70 | 328.97 | 325.14 | 400.42 | 410.38 | 366.56 | 499.93 | 419.25 | 608.59 | 711.70 | 720.18 | 693.98 |
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 | 57,704,379.00 | 31,184,554.00 | 31,142,187.00 | 28,428,507.00 | 25,781,741.00 |
| Deposits | 21,885,750.00 | 22,244,978.00 | 22,548,094.00 | 19,366,548.00 | 34,129,052.00 |
| Cash and Short-Term Investments | 1,661,820.00 | 1,392,623.00 | 1,481,159.00 | 3,477,017.00 | 7,116,387.00 |
| Cash and Cash Equivalents | 1,661,820.00 | 1,392,623.00 | 1,481,159.00 | 3,477,017.00 | 7,116,387.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 123,243.00 | 122,430.00 | 102,892.00 | 72,990.00 | 13,449,985.30 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 67,224.00 | 67,267.00 | 46,845.00 | 48,855.00 | 31,348.00 |
| Real Estate | 0 | 4,579.00 | 3,740.00 | 6,863.00 | 21,565.00 |
| Goodwill | 1,320,799.00 | 1,320,799.00 | 1,319,598.00 | 1,216,707.00 | 1,285,105.00 |
| Intangible Assets | 97,242.00 | 112,645.00 | 128,951.00 | 106,235.00 | 111,110.00 |
| 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 | 23,770,586.00 | 24,331,578.00 | 24,603,463.00 | 21,930,825.00 | 19,828,429.00 |
| 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 | 386,665.00 | 388,507.00 | 390,285.00 | 1,722,104.00 | 1,724,941.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 33,933,793.00 | 6,852,976.00 | 6,538,724.00 | 6,497,682.00 | 5,953,312.00 |
| Shareholders Equity | 10,586,616.00 | 10,279,464.00 | 9,808,086.00 | 9,746,523.00 | 8,929,968.00 |
| Capital Stock | 1,257.00 | 1,252.00 | 1,270.00 | 1,127.00 | 3,696.00 |
| Share Premium | 2,511,590.00 | 2,499,930.00 | 2,530,066.00 | 2,164,989.00 | 2,014,076.00 |
| Retained Earnings | 1,376,935.00 | 1,329,681.00 | 1,255,586.00 | 1,093,270.00 | 901,006.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -360,910.00 | -404,375.00 | -517,560.00 | -10,545.00 | 59,726.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 6,166,062.00 | 6,878,441.00 | 7,612,560.00 | 8,642,766.00 | 17,701,021.00 |
| Debt | 366,293.00 | 366,141.00 | 365,989.00 | 384,131.00 | 382,874.00 |
| Common Shares Outstanding | 125,651.54 | 125,184.12 | 127,046.65 | 112,715.44 | 108,077.66 |
| Preferred Shares Outstanding | 0 | 0 | 0 | 0 | 0.77 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 49,898.00 | 50,530.00 | 46,527.00 | 43,231.00 | 43,082.00 |
| Cost Of Revenue | 46,785.00 | 42,028.00 | 14,074.00 | 32,704.00 | 74,973.00 |
| Interest Income | 1,312,065.00 | 1,210,161.00 | 861,735.00 | 671,061.00 | 759,718.00 |
| Interest Expense | 683,600.00 | 560,035.00 | 144,419.00 | 79,529.00 | 119,984.00 |
| Net Interest | 1,516,263.00 | 868,944.00 | 875,519.00 | 703,225.00 | 704,267.00 |
| Non-Interest Income | 147,171.00 | 155,566.00 | 170,066.00 | 191,815.00 | 248,528.00 |
| Non-Interest Expense | 557,543.00 | 563,061.00 | 566,748.00 | 483,589.00 | 493,495.00 |
| Provisions for Credit Losses | 46,785.00 | 42,028.00 | 14,074.00 | -32,704.00 | 74,973.00 |
| Gross Profit | 3,113.00 | 8,502.00 | 32,453.00 | 10,527.00 | -31,891.00 |
| Selling, General and Administrative Expenses | 48,214.00 | 46,741.00 | 44,321.00 | 38,797.00 | 37,556.00 |
| EBT | 0 | 0 | 0 | 0 | 0 |
| Income Tax | 24,936.00 | 14,756.00 | 40,757.00 | 49,992.00 | 55,452.00 |
| Net Income | 152,693.00 | 175,057.00 | 256,412.00 | 271,156.00 | 254,904.00 |
| Deprecation and Amortization | 29,511.00 | 32,895.00 | 87,993.00 | 100,001.00 | 105,809.00 |
| 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 | 125,489.00 | 126,338.00 | 123,958.00 | 109,577.00 | 109,860.00 |
| Average Shares Outstanding Diluted | 126,116.00 | 126,776.00 | 124,470.00 | 110,198.00 | 110,173.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 655,251.00 | 726,358.00 | 466,958.00 | 502,667.00 | 484,102.00 |
| Operating Net Income | 458,079.00 | 175,057.00 | 256,412.00 | 271,156.00 | 254,904.00 |
| Deprecation and Amortization | 29,511.00 | 32,895.00 | 87,993.00 | 100,001.00 | 105,809.00 |
| Deferred Income Tax | -2,782.00 | -2,460.00 | 14,281.00 | 14,284.00 | 1,461.00 |
| Share Based Compensation | 11,290.00 | 12,189.00 | 15,317.00 | 15,868.00 | 13,197.00 |
| Change in Working Capital | -82,036.00 | -270,695.00 | 64,541.00 | 39,763.00 | 29,637.00 |
| Other Operating Activities | 241,189.00 | 779,372.00 | 28,414.00 | 61,595.00 | 79,094.00 |
| Investing Cash Flow | 369,588.00 | -176,479.00 | -883,242.00 | -2,546,774.00 | 1,174,870.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 45,509.00 | 33,086.00 | 35,268.00 | 53,482.00 | 13,641.00 |
| Net Purchase/Sale of Investments Net | 640,542.00 | 711,828.00 | 1,816,800.00 | 7,334,686.00 | 8,528,081.00 |
| Net Purchase/Sale of Business | 0 | 0 | 276,396.00 | 25,425.00 | 0 |
| Other Investing Activities | -316,463.00 | -921,393.00 | -3,011,706.00 | -9,960,367.00 | -7,366,852.00 |
| Financing Cash Flow | -828,927.00 | -570,385.00 | -611,043.00 | 226,236.00 | 884,572.00 |
| Net Issuance/Repayment of Debt | 6,946,134.00 | 20,636.00 | -541,726.00 | -196,816.00 | 194,949.00 |
| Net Issuance/Repurchase of Equity | 970.00 | 81,477.00 | 223,417.00 | 266,088.00 | 227,610.00 |
| Dividends Paid | 105,439.00 | 100,962.00 | 94,096.00 | 157,784.00 | 149,290.00 |
| Other Financing Activities | -7,881,470.00 | -773,460.00 | -386,830.00 | -820.00 | 312,723.00 |
| Net Change in Cash | 195,912.00 | -20,506.00 | -1,027,327.00 | -1,817,871.00 | 2,475,529.00 |
| Cash at Beginning of Period | 491,465.00 | 634,598.00 | 1,709,449.00 | 3,468,524.00 | 996,623.00 |
| Cash at End of Period | 687,377.00 | 614,092.00 | 682,122.00 | 1,650,653.00 | 3,472,152.00 |
| 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 | 24,208,162.00 | 26,693,620.00 | 26,792,991.00 | 57,704,379.00 | 27,269,404.00 | 27,369,072.00 | 27,372,175.00 | 31,184,554.00 | 27,564,325.00 | 27,959,123.00 | 27,583,446.00 | 31,142,187.00 | 27,076,074.00 | 27,218,609.00 | 24,482,268.00 | 28,428,507.00 | 23,225,930.00 | 23,423,159.00 | 23,348,117.00 | 25,781,741.00 |
| Deposits | 19,837,733.00 | 21,824,990.00 | 21,684,620.00 | 21,885,750.00 | 21,935,434.00 | 21,840,883.00 | 22,353,004.00 | 22,244,978.00 | 22,231,211.00 | 22,488,722.00 | 22,451,775.00 | 22,548,094.00 | 22,148,692.00 | 22,035,863.00 | 19,392,422.00 | 19,366,548.00 | 18,072,070.00 | 18,304,613.00 | 18,189,388.00 | 34,129,052.00 |
| Cash and Short-Term Investments | 681,702.00 | 644,462.00 | 634,286.00 | 1,661,820.00 | 603,402.00 | 574,333.00 | 603,303.00 | 1,392,623.00 | 605,648.00 | 745,912.00 | 524,451.00 | 1,481,159.00 | 679,410.00 | 964,847.00 | 1,687,017.00 | 3,477,017.00 | 1,781,413.00 | 2,339,124.00 | 3,905,463.00 | 7,116,387.00 |
| Cash and Cash Equivalents | 643,617.00 | 644,462.00 | 634,286.00 | 1,661,820.00 | 603,402.00 | 574,333.00 | 603,303.00 | 1,392,623.00 | 605,648.00 | 745,912.00 | 524,451.00 | 1,481,159.00 | 679,410.00 | 964,847.00 | 1,687,017.00 | 3,477,017.00 | 1,781,413.00 | 2,339,124.00 | 3,905,463.00 | 7,116,387.00 |
| Short-Term Investments | 38,085.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 104,383.00 | 120,443.00 | 117,398.00 | 123,243.00 | 125,700.00 | 126,625.00 | 122,781.00 | 122,430.00 | 110,361.00 | 103,431.00 | 98,775.00 | 102,892.00 | 86,637.00 | 82,332.00 | 69,357.00 | 72,990.00 | 68,405.00 | 67,916.00 | 12,737,464.00 | 13,449,985.30 |
| 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 | 59,654.00 | 62,766.00 | 63,584.00 | 67,224.00 | 69,331.00 | 70,755.00 | 70,888.00 | 67,267.00 | 62,357.00 | 57,171.00 | 60,027.00 | 46,845.00 | 49,308.00 | 51,879.00 | 52,912.00 | 48,855.00 | 40,700.00 | 34,748.00 | 27,835.00 | 31,348.00 |
| Real Estate | 0 | 0 | 0 | 0 | 0 | 0 | 3,741.00 | 4,579.00 | 4,121.00 | 4,332.00 | 3,594.00 | 3,740.00 | 4,136.00 | 4,608.00 | 5,765.00 | 6,863.00 | 13,359.00 | 16,991.00 | 13,163.00 | 21,565.00 |
| Goodwill | 1,320,799.00 | 1,320,799.00 | 1,320,799.00 | 1,320,799.00 | 1,320,799.00 | 1,320,799.00 | 1,320,799.00 | 1,320,799.00 | 1,320,799.00 | 1,320,799.00 | 1,320,799.00 | 1,319,598.00 | 1,309,000.00 | 1,310,528.00 | 1,147,007.00 | 1,216,707.00 | 1,075,305.00 | 1,075,305.00 | 1,075,305.00 | 1,285,105.00 |
| Intangible Assets | 87,520.00 | 90,617.00 | 93,714.00 | 97,242.00 | 101,093.00 | 104,943.00 | 108,795.00 | 112,645.00 | 116,660.00 | 120,758.00 | 124,854.00 | 128,951.00 | 133,059.00 | 137,285.00 | 102,748.00 | 106,235.00 | 100,428.00 | 103,759.00 | 107,091.00 | 111,110.00 |
| 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 | 20,854,199.00 | 23,144,410.00 | 23,261,506.00 | 23,770,586.00 | 23,740,571.00 | 23,910,203.00 | 23,933,049.00 | 24,331,578.00 | 24,278,770.00 | 24,602,797.00 | 24,243,545.00 | 24,603,463.00 | 23,918,923.00 | 23,958,714.00 | 21,520,661.00 | 21,930,825.00 | 20,195,399.00 | 20,383,793.00 | 20,417,342.00 | 19,828,429.00 |
| 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 | 670,082.00 | 385,719.00 | 386,194.00 | 386,665.00 | 387,133.00 | 387,595.00 | 388,053.00 | 388,507.00 | 388,957.00 | 389,405.00 | 389,846.00 | 390,285.00 | 400,722.00 | 456,938.00 | 1,721,485.00 | 1,722,104.00 | 1,721,863.00 | 1,722,336.00 | 1,723,475.00 | 1,724,941.00 |
| 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 | 3,353,963.00 | 3,549,210.00 | 3,531,485.00 | 33,933,793.00 | 3,528,833.00 | 3,458,869.00 | 3,439,126.00 | 6,852,976.00 | 3,285,555.00 | 3,356,326.00 | 3,339,901.00 | 6,538,724.00 | 3,157,151.00 | 3,259,895.00 | 2,961,607.00 | 6,497,682.00 | 3,030,531.00 | 3,039,366.00 | 2,930,775.00 | 5,953,312.00 |
| Shareholders Equity | 3,353,963.00 | 3,549,210.00 | 3,531,485.00 | 10,586,616.00 | 3,528,833.00 | 3,458,869.00 | 3,439,126.00 | 10,279,464.00 | 3,285,555.00 | 3,356,326.00 | 3,339,901.00 | 9,808,086.00 | 3,157,151.00 | 3,259,895.00 | 2,961,607.00 | 9,746,523.00 | 3,030,531.00 | 3,039,366.00 | 2,930,775.00 | 8,929,968.00 |
| Capital Stock | 1,447.00 | 1,260.00 | 1,259.00 | 1,257.00 | 1,256.00 | 1,255.00 | 1,254.00 | 1,252.00 | 1,251.00 | 1,262.00 | 1,273.00 | 1,270.00 | 1,269.00 | 1,288.00 | 1,125.00 | 1,127.00 | 1,833.00 | 1,851.00 | 1,850.00 | 3,696.00 |
| Share Premium | 2,848,977.00 | 2,518,286.00 | 2,515,372.00 | 2,511,590.00 | 2,508,438.00 | 2,506,469.00 | 2,503,673.00 | 2,499,930.00 | 2,497,874.00 | 2,516,398.00 | 2,533,589.00 | 2,530,066.00 | 2,527,153.00 | 2,569,060.00 | 2,150,453.00 | 2,164,989.00 | 1,974,561.00 | 2,021,128.00 | 2,017,188.00 | 2,014,076.00 |
| Retained Earnings | 817,022.00 | 1,410,564.00 | 1,382,564.00 | 1,376,935.00 | 1,355,000.00 | 1,356,626.00 | 1,342,215.00 | 1,329,681.00 | 1,330,810.00 | 1,308,654.00 | 1,275,720.00 | 1,255,586.00 | 1,196,459.00 | 1,139,975.00 | 1,136,990.00 | 1,093,270.00 | 1,065,566.00 | 1,004,314.00 | 948,913.00 | 901,006.00 |
| 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 | -313,483.00 | -380,900.00 | -367,710.00 | -360,910.00 | -335,861.00 | -405,481.00 | -408,016.00 | -404,375.00 | -544,380.00 | -469,988.00 | -470,681.00 | -517,560.00 | -567,730.00 | -450,428.00 | -326,961.00 | -10,545.00 | -11,429.00 | 12,073.00 | -37,176.00 | 59,726.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 38,085.00 | 5,996,851.00 | 6,107,405.00 | 6,166,062.00 | 13,667,194.00 | 13,942,254.00 | 6,734,816.00 | 6,878,441.00 | 7,100,713.00 | 7,336,512.00 | 7,521,439.00 | 7,612,560.00 | 7,724,619.00 | 8,161,329.00 | 8,196,894.00 | 8,642,766.00 | 8,339,000.00 | 7,487,933.00 | 23,251,240.00 | 17,701,021.00 |
| Debt | 648,976.00 | 366,369.00 | 366,331.00 | 366,293.00 | 366,255.00 | 366,217.00 | 366,179.00 | 366,141.00 | 366,103.00 | 366,065.00 | 366,027.00 | 365,989.00 | 365,951.00 | 421,693.00 | 384,242.00 | 384,131.00 | 383,278.00 | 383,143.00 | 383,008.00 | 382,874.00 |
| Common Shares Outstanding | 144,703.08 | 125,996.25 | 125,926.82 | 125,651.54 | 125,554.60 | 125,487.52 | 125,419.62 | 125,184.12 | 125,133.28 | 126,224.71 | 127,282.19 | 127,046.65 | 126,943.47 | 128,787.76 | 112,505.55 | 112,715.44 | 106,603.23 | 108,386.67 | 108,345.73 | 108,077.66 |
| Preferred Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.77 | 0.77 | 0.77 | 0.77 |
| 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 | 38,268.00 | 25,223.00 | 12,635.00 | -23,184.00 | 36,920.00 | 24,207.00 | 11,955.00 | -24,974.00 | 37,748.00 | 25,319.00 | 12,437.00 | -20,879.00 | 34,635.00 | 22,075.00 | 10,696.00 | -17,571.00 | 31,322.00 | 19,765.00 | 9,715.00 |
| Cost Of Revenue | 50,708.00 | 38,742.00 | 26,797.00 | -18,179.00 | 33,453.00 | 21,305.00 | 10,206.00 | -38,464.00 | 31,999.00 | 24,277.00 | 24,216.00 | -73,661.00 | 14,048.00 | 13,945.00 | 59,742.00 | -91,467.00 | 91,198.00 | 31,528.00 | 1,445.00 |
| Interest Income | 936,283.00 | 622,860.00 | 307,837.00 | -648,461.00 | 986,083.00 | 651,794.00 | 322,649.00 | -531,976.00 | 886,643.00 | 576,357.00 | 279,137.00 | -263,676.00 | 597,151.00 | 366,533.00 | 161,727.00 | -335,105.00 | 500,329.00 | 336,403.00 | 169,434.00 |
| Interest Expense | 414,376.00 | 287,614.00 | 144,415.00 | -355,686.00 | 522,560.00 | 345,983.00 | 170,743.00 | -168,704.00 | 392,145.00 | 235,292.00 | 101,302.00 | 19,609.00 | 72,861.00 | 35,828.00 | 16,121.00 | -48,291.00 | 61,878.00 | 43,189.00 | 22,753.00 |
| Net Interest | 1,199,633.00 | 780,647.00 | 382,001.00 | 188,400.00 | 663,594.00 | 441,962.00 | 222,307.00 | -438,916.00 | 642,661.00 | 438,590.00 | 226,609.00 | -342,868.00 | 636,804.00 | 402,265.00 | 179,318.00 | -324,813.00 | 517,869.00 | 341,915.00 | 168,254.00 |
| Non-Interest Income | -1,335,356.00 | 88,509.00 | 46,155.00 | -86,109.00 | 103,613.00 | 86,483.00 | 43,184.00 | -114,676.00 | 133,592.00 | 90,815.00 | 45,835.00 | -79,967.00 | 125,419.00 | 82,396.00 | 42,218.00 | -103,566.00 | 145,214.00 | 98,264.00 | 51,903.00 |
| Non-Interest Expense | 425,201.00 | 283,169.00 | 144,580.00 | -277,995.00 | 416,426.00 | 279,233.00 | 139,879.00 | -278,013.00 | 414,922.00 | 282,924.00 | 143,228.00 | -271,072.00 | 424,173.00 | 285,230.00 | 128,417.00 | -203,018.00 | 341,992.00 | 229,259.00 | 115,356.00 |
| Provisions for Credit Losses | 50,708.00 | 38,742.00 | 26,797.00 | -18,179.00 | 33,453.00 | 21,305.00 | 10,206.00 | -38,464.00 | 31,999.00 | 24,277.00 | 24,216.00 | 45,823.00 | 14,048.00 | 13,945.00 | -59,742.00 | 88,577.00 | -91,198.00 | -31,528.00 | 1,445.00 |
| Gross Profit | -12,440.00 | -13,519.00 | -14,162.00 | -5,005.00 | 3,467.00 | 2,902.00 | 1,749.00 | 13,490.00 | 5,749.00 | 1,042.00 | -11,779.00 | 52,782.00 | 20,587.00 | 8,130.00 | -49,046.00 | 73,896.00 | -59,876.00 | -11,763.00 | 8,270.00 |
| Selling, General and Administrative Expenses | 36,601.00 | 24,495.00 | 12,651.00 | -24,504.00 | 36,338.00 | 24,122.00 | 12,258.00 | -22,833.00 | 35,008.00 | 22,988.00 | 11,578.00 | -19,430.00 | 32,701.00 | 21,027.00 | 10,023.00 | -16,670.00 | 27,764.00 | 18,403.00 | 9,300.00 |
| EBT | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Tax | 292,098.00 | 14,683.00 | 5,812.00 | -6,203.00 | 12,883.00 | 12,122.00 | 6,134.00 | -46,676.00 | 30,019.00 | 20,776.00 | 10,637.00 | -33,182.00 | 38,336.00 | 21,377.00 | 14,226.00 | -45,903.00 | 50,151.00 | 31,381.00 | 14,363.00 |
| Net Income | 10,892.00 | 87,161.00 | 32,388.00 | -70,186.00 | 104,374.00 | 79,634.00 | 38,871.00 | -125,585.00 | 151,150.00 | 103,903.00 | 45,589.00 | -74,384.00 | 173,152.00 | 92,549.00 | 65,095.00 | -161,526.00 | 222,918.00 | 142,344.00 | 67,420.00 |
| Deprecation and Amortization | 20,655.00 | 12,760.00 | 6,545.00 | -13,407.00 | 21,759.00 | 14,304.00 | 6,855.00 | -19,817.00 | 25,286.00 | 17,659.00 | 9,767.00 | -54,735.00 | 69,191.00 | 48,724.00 | 24,813.00 | -44,879.00 | 72,325.00 | 48,214.00 | 24,341.00 |
| 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 | 140,234.00 | 125,962.00 | 125,800.00 | 125,609.00 | 125,538.00 | 125,469.00 | 125,340.00 | 124,291.00 | 126,730.00 | 127,145.00 | 127,186.00 | 127,196.00 | 127,884.00 | 128,313.00 | 112,439.00 | 113,606.00 | 108,130.00 | 108,362.00 | 108,210.00 |
| Average Shares Outstanding Diluted | 140,649.00 | 126,406.00 | 126,337.00 | 127,045.00 | 125,999.00 | 125,758.00 | 125,662.00 | 125,067.00 | 127,100.00 | 127,421.00 | 127,516.00 | 127,797.00 | 128,336.00 | 128,720.00 | 113,027.00 | 114,647.00 | 108,668.00 | 108,822.00 | 108,655.00 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 333,839.00 | 110,439.00 | 32,796.00 | 110,944.00 | 343,059.00 | 143,654.00 | 57,594.00 | 348,243.00 | 120,436.00 | 158,932.00 | 98,747.00 | 2,368.00 | 226,208.00 | 177,857.00 | 60,525.00 | 30,703.00 | 219,902.00 | 176,310.00 | 75,752.00 |
| Operating Net Income | -951,262.00 | 87,161.00 | 32,388.00 | 235,200.00 | 104,374.00 | 79,634.00 | 38,871.00 | -125,585.00 | 151,150.00 | 103,903.00 | 45,589.00 | -74,384.00 | 173,152.00 | 92,549.00 | 65,095.00 | -161,526.00 | 222,918.00 | 142,344.00 | 67,420.00 |
| Deprecation and Amortization | 20,655.00 | 12,760.00 | 6,545.00 | -13,407.00 | 21,759.00 | 14,304.00 | 6,855.00 | -19,817.00 | 25,286.00 | 17,659.00 | 9,767.00 | -54,735.00 | 69,191.00 | 48,724.00 | 24,813.00 | -44,879.00 | 72,325.00 | 48,214.00 | 24,341.00 |
| Deferred Income Tax | -166,587.00 | -2,745.00 | -1,087.00 | 1,710.00 | -3,254.00 | -1,617.00 | 379.00 | -6,483.00 | 4,537.00 | -335.00 | -179.00 | 10,440.00 | 2,924.00 | -8,190.00 | 9,107.00 | 1,157.00 | 3,585.00 | 6,315.00 | 3,227.00 |
| Share Based Compensation | 12,538.00 | 8,612.00 | 5,290.00 | -9,527.00 | 8,867.00 | 7,537.00 | 4,413.00 | -10,307.00 | 9,617.00 | 8,018.00 | 4,861.00 | -8,263.00 | 11,475.00 | 8,164.00 | 3,941.00 | -8,167.00 | 12,591.00 | 7,592.00 | 3,852.00 |
| Change in Working Capital | 86,128.00 | 7,819.00 | 6,557.00 | -42,030.00 | -61,809.00 | 9,980.00 | 11,823.00 | -316,011.00 | 98,862.00 | -16,999.00 | -36,547.00 | 13,229.00 | 16,267.00 | 10,449.00 | 24,596.00 | 1,073.00 | 17,287.00 | 4,508.00 | 16,895.00 |
| Other Operating Activities | 1,332,367.00 | -3,168.00 | -16,897.00 | -61,002.00 | 273,122.00 | 33,816.00 | -4,747.00 | 826,446.00 | -169,016.00 | 46,686.00 | 75,256.00 | 116,081.00 | -46,801.00 | 26,161.00 | -67,027.00 | 243,045.00 | -108,804.00 | -32,663.00 | -39,983.00 |
| Investing Cash Flow | 1,886,728.00 | 79,677.00 | -9,007.00 | 515,082.00 | -21,409.00 | -84,382.00 | -39,703.00 | 689,304.00 | -165,280.00 | -419,836.00 | -280,667.00 | 83,022.00 | -592,200.00 | -353,188.00 | -20,876.00 | 3,543,725.00 | -2,790,267.00 | -2,462,960.00 | -837,272.00 |
| 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 | 28,155.00 | 21,486.00 | 10,151.00 | -22,510.00 | 34,935.00 | 23,236.00 | 9,848.00 | -22,678.00 | 26,556.00 | 18,718.00 | 10,490.00 | -14,645.00 | 25,757.00 | 17,000.00 | 7,156.00 | -4,042.00 | 42,453.00 | 10,985.00 | 4,086.00 |
| Net Purchase/Sale of Investments Net | 3,264,744.00 | 315,122.00 | 101,425.00 | -304,903.00 | 520,141.00 | 294,055.00 | 131,249.00 | -498,592.00 | 625,345.00 | 380,286.00 | 204,789.00 | -1,610,712.00 | 1,625,875.00 | 1,382,188.00 | 419,449.00 | -5,984,050.00 | 6,396,907.00 | 4,851,696.00 | 2,070,133.00 |
| Net Purchase/Sale of Business | 16,595.00 | 15,202.00 | 11,077.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -276,396.00 | 276,396.00 | 276,396.00 | 0 | 25,425.00 | 0 | 0 | 0 |
| Other Investing Activities | -1,422,766.00 | -272,133.00 | -131,660.00 | 842,495.00 | -576,485.00 | -401,673.00 | -180,800.00 | 1,210,574.00 | -817,181.00 | -818,840.00 | -495,946.00 | 1,984,775.00 | -2,520,228.00 | -2,028,772.00 | -447,481.00 | 9,506,392.00 | -9,229,627.00 | -7,325,641.00 | -2,911,491.00 |
| Financing Cash Flow | -2,264,327.00 | -233,031.00 | -76,880.00 | -368,876.00 | -332,340.00 | -99,031.00 | -28,680.00 | -887,698.00 | -31,630.00 | 324,694.00 | 24,249.00 | 507,968.00 | -605,251.00 | -510,475.00 | -3,285.00 | -3,001,843.00 | 879,626.00 | 1,153,622.00 | 1,194,831.00 |
| Net Issuance/Repayment of Debt | 3,993,013.00 | 3,065,220.00 | 1,603,533.00 | -1,364,479.00 | 5,209,590.00 | 3,210,724.00 | -109,701.00 | -985,217.00 | 402,638.00 | 456,226.00 | 146,989.00 | 221,799.00 | -428,140.00 | -346,080.00 | 10,695.00 | -19,071.00 | -85,317.00 | -114,770.00 | 22,342.00 |
| Net Issuance/Repurchase of Equity | 328,267.00 | 836.00 | 836.00 | -1,940.00 | 970.00 | 970.00 | 970.00 | 18,957.00 | 40,832.00 | 20,855.00 | 833.00 | 26,680.00 | 112,284.00 | 67,247.00 | 17,206.00 | 201,905.00 | 55,683.00 | 4,250.00 | 4,250.00 |
| Dividends Paid | 84,282.00 | 53,532.00 | 26,759.00 | -52,642.00 | 79,055.00 | 52,689.00 | 26,337.00 | -51,254.00 | 75,926.00 | 50,835.00 | 25,455.00 | -43,086.00 | 69,963.00 | 45,844.00 | 21,375.00 | 40,877.00 | 58,358.00 | 39,036.00 | 19,513.00 |
| Other Financing Activities | -6,669,889.00 | -3,352,619.00 | -1,708,008.00 | 1,050,185.00 | -5,621,955.00 | -3,363,414.00 | 53,714.00 | 129,816.00 | -551,026.00 | -203,222.00 | -149,028.00 | 302,575.00 | -359,358.00 | -277,486.00 | -52,561.00 | -3,225,554.00 | 850,902.00 | 1,225,106.00 | 1,148,726.00 |
| Net Change in Cash | -43,760.00 | -42,915.00 | -53,091.00 | 257,150.00 | -10,690.00 | -39,759.00 | -10,789.00 | 149,849.00 | -76,474.00 | 63,790.00 | -157,671.00 | 593,358.00 | -971,243.00 | -685,806.00 | 36,364.00 | 572,585.00 | -1,690,739.00 | -1,133,028.00 | 433,311.00 |
| Cash at Beginning of Period | 687,377.00 | 687,377.00 | 687,377.00 | 430,227.00 | 614,092.00 | 614,092.00 | 614,092.00 | 464,243.00 | 682,122.00 | 682,122.00 | 682,122.00 | 88,764.00 | 1,650,653.00 | 1,650,653.00 | 1,650,653.00 | 1,078,068.00 | 3,472,152.00 | 3,472,152.00 | 3,472,152.00 |
| Cash at End of Period | 643,617.00 | 644,462.00 | 634,286.00 | 687,377.00 | 603,402.00 | 574,333.00 | 603,303.00 | 614,092.00 | 605,648.00 | 745,912.00 | 524,451.00 | 682,122.00 | 679,410.00 | 964,847.00 | 1,687,017.00 | 1,650,653.00 | 1,781,413.00 | 2,339,124.00 | 3,905,463.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |