SLM
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 10.10 | 7.84 | 9.33 | 5.36 | 5.46 |
| Price to Sales | |||||
| Book Value Per Common Share | |||||
| Price to Book | |||||
| Price to Operating Cash Flow | 31.44 | 11.64 | 7.22 | 4.80 | 12.69 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 30086.36 | 23241.89 | 34906.31 | 31888.13 | 27560.88 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 11.58 | 18.74 | 20.54 | 10.35 | 8.59 | 16.89 | 7.96 | 10.39 | 26.36 | 6.82 | 9.16 | 39.91 | 6.72 | 9.03 | 10.15 |
| Price to Sales | |||||||||||||||
| Book Value Per Common Share | 11.53 | 11.39 | |||||||||||||
| Price to Book | 2.40 | 2.88 | |||||||||||||
| Price to Operating Cash Flow | -17.32 | -24.18 | -42.37 | -14.93 | -20.71 | -62.61 | -27.14 | -66.89 | 336.68 | 627.35 | 1713.98 | 80.99 | -59.97 | -39.15 | 141.83 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA | 36910.23 | 64970.16 | 90436.30 | 32067.67 | 35378.63 | 70640.59 | 22859.08 | 36093.47 | 74603.44 | 32663.23 | 49438.23 | 196324.22 | 36566.43 | 51953.89 | 62330.61 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 11.89 | 37.08 | -51.50 | 61.67 | |
| Revenue YoY | |||||
| EBITDA YoY | 4.11 | 54.89 | -36.74 | 12.63 | |
| Net Profit YoY | 4.67 | 22.54 | -60.20 | 32.70 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 36.57 | 22.38 | -8.68 | 87.60 | 8.92 | 234.04 | 17.82 | 278.26 | 12.93 | 31.07 | |||||
| Revenue YoY | |||||||||||||||
| EBITDA YoY | 44.73 | 53.74 | 18.51 | 88.08 | 31.91 | 154.03 | 32.23 | 219.73 | 14.50 | 30.21 | |||||
| Net Profit YoY | 36.15 | 25.03 | -9.35 | 86.71 | 6.59 | 227.85 | 15.53 | 266.84 | 9.20 | 21.72 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 25.03 | 20.37 | 19.70 | 16.17 | 13.24 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 1.52 | 1.80 | 1.85 | 1.61 | 1.66 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 18.42 | 20.90 | 19.06 | 22.10 | 25.61 | 17.84 | 16.27 | 17.36 | 16.45 | 19.42 | 14.45 | 12.48 | 8.95 | 13.90 | 17.62 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 1.48 | 1.59 | 1.60 | 1.74 | 1.80 | 1.93 | 1.91 | 1.90 | 1.93 | 1.89 | 1.88 | 1.88 | 1.79 | 1.83 | 1.95 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.23 | 1.28 | 1.06 | 2.53 | 1.88 |
| ROE | 3.09 | 3.58 | 3.02 | 6.61 | 4.99 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 1.12 | 0.85 | 0.70 | 1.10 | 1.29 | 0.72 | 0.95 | 0.95 | 0.27 | 1.30 | 1.20 | 0.31 | 2.05 | 1.89 | 1.51 |
| ROE | 2.78 | 2.19 | 1.82 | 3.02 | 3.62 | 2.10 | 2.77 | 2.75 | 0.80 | 3.76 | 3.45 | 0.89 | 5.72 | 5.35 | 4.46 |
| 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 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | |||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 48,040,693.00 | 44,106,390.00 | 43,345,240.00 | 45,634,728.00 | 46,414,551.00 |
| Deposits | 21,068,568.00 | 21,653,188.00 | 21,448,071.00 | 20,828,124.00 | 22,666,039.00 |
| Cash and Short-Term Investments | 5,411,419.00 | 4,714,100.00 | 5,092,452.00 | 5,092,654.00 | 5,078,981.00 |
| Cash and Cash Equivalents | 5,091,847.00 | 4,387,695.00 | 4,812,937.00 | 4,905,329.00 | 4,994,366.00 |
| Short-Term Investments | 319,572.00 | 326,405.00 | 279,515.00 | 187,325.00 | 84,615.00 |
| Net Receivables | 3,521,630.00 | 1,746,151.00 | 1,590,749.00 | 1,466,339.00 | 58,604,084.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 119,354.00 | 129,501.00 | 140,728.00 | 150,516.00 | 154,670.00 |
| Goodwill | 56,000.00 | 56,000.00 | 51,000.00 | 0 | 0 |
| Intangible Assets | 17,700.00 | 18,280.00 | 75,400.00 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 1,318.00 | 1,441.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 28,962,683.00 | 28,340,518.00 | 28,136,340.00 | 28,138,058.00 | 28,942,995.00 |
| Payables and Expenses | 92,000.00 | 91,000.00 | 59,000.00 | 35,000.00 | 50,000.00 |
| Account Payables | 92,000.00 | 91,000.00 | 59,000.00 | 35,000.00 | 50,000.00 |
| 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 | 19,078,010.00 | 15,765,872.00 | 15,208,900.00 | 17,496,670.00 | 17,471,556.00 |
| Shareholders Equity | 0 | 0 | 0 | 0 | 0 |
| Capital Stock | 427,312.00 | 426,364.00 | 425,120.00 | 423,876.00 | 433,762.00 |
| Share Premium | 1,193,753.00 | 1,148,689.00 | 1,109,072.00 | 1,074,384.00 | 1,331,247.00 |
| Retained Earnings | 8,228,891.00 | 7,458,805.00 | 6,745,455.00 | 2,817,134.00 | 1,722,365.00 |
| Treasury Shares | 3,421,609.00 | 3,156,364.00 | 2,789,967.00 | 2,061,383.00 | 798,993.00 |
| Accumulated Other Comprehensive Income | -65,861.00 | -75,104.00 | -93,870.00 | -17,897.00 | -34,200.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 13,293,106.00 | 15,905,572.00 | 15,376,729.00 | 16,437,068.00 | 12,706,181.00 |
| Debt | 42,096,155.00 | 33,615,984.00 | 33,678,840.00 | 38,658,516.00 | 34,245,882.00 |
| Net Debt | 36,684,736.00 | 28,901,884.00 | 28,586,388.00 | 33,565,862.00 | 29,166,901.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Preferred Shares Outstanding | 2,500.00 | 2,500.00 | 2,500.00 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 0 | 0 | 0 | 232,708.00 | 93,133.00 |
| Interest Income | 2,630,706.00 | 2,601,637.00 | 2,035,664.00 | 1,777,236.00 | 2,022,112.00 |
| Interest Expense | 1,178,119.00 | 1,117,750.00 | 586,317.00 | 396,434.00 | 556,563.00 |
| Net Interest | 1,452,587.00 | 1,531,697.00 | 1,453,005.00 | 1,359,950.00 | 1,465,549.00 |
| Non-Interest Income | 368,268.00 | 247,116.00 | 334,638.00 | 619,371.00 | 334,269.00 |
| Non-Interest Expense | 1,346,494.00 | 747,528.00 | 614,707.00 | 574,260.00 | 622,248.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | -232,708.00 | 93,133.00 |
| Operating Expenses | 0 | 167,402.00 | 149,964.00 | 518,653.00 | 538,088.00 |
| Other Operating Expenses | 0 | 167,402.00 | 149,964.00 | 518,653.00 | 538,088.00 |
| EBT | 798,636.00 | 778,296.00 | 630,725.00 | 1,540,264.00 | 1,154,006.00 |
| Income Tax | 183,194.00 | 189,963.00 | 151,360.00 | 388,228.00 | 262,081.00 |
| Net Income Including Non-Controlling Interests | 1,824,975.00 | 1,744,173.00 | 1,407,042.00 | 4,642,052.00 | 3,522,760.00 |
| Net Income Non-Controlling Interests | -1,234,946.00 | -1,180,487.00 | -947,057.00 | -3,486,275.00 | -2,651,804.00 |
| Net Income | 590,029.00 | 563,686.00 | 459,985.00 | 1,155,777.00 | 870,956.00 |
| EBIT | 1,976,755.00 | 1,896,046.00 | 1,217,042.00 | 1,936,698.00 | 1,710,569.00 |
| Deprecation and Amortization | 6,541.00 | 8,906.00 | 12,806.00 | 7,370.00 | 15,436.00 |
| EBITDA | 1,983,296.00 | 1,904,952.00 | 1,229,848.00 | 1,944,068.00 | 1,726,005.00 |
| 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 | 216,220.00 | 231,411.00 | 258,439.00 | 314,993.00 | 383,705.00 |
| Average Shares Outstanding Diluted | 219,934.00 | 234,063.00 | 261,503.00 | 319,912.00 | 387,195.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 189,665.00 | 380,256.00 | 594,302.00 | 1,290,200.00 | 374,591.00 |
| Operating Net Income | 1,824,975.00 | 1,744,173.00 | 1,407,042.00 | 4,642,052.00 | 3,522,760.00 |
| Deprecation and Amortization | 6,541.00 | 8,906.00 | 12,806.00 | -7,370.00 | -15,436.00 |
| Deferred Income Tax | -34,327.00 | -23,224.00 | -93,670.00 | 55,372.00 | 72,776.00 |
| Share Based Compensation | 39,996.00 | 36,380.00 | 34,461.00 | 30,649.00 | 36,464.00 |
| Change in Working Capital | 1,111,454.00 | 1,146,605.00 | 867,627.00 | 875,283.00 | 1,210,558.00 |
| Other Operating Activities | -2,758,974.00 | -2,532,584.00 | -1,633,964.00 | -4,305,786.00 | -4,452,531.00 |
| Investing Cash Flow | 675,993.00 | -27,114.00 | 949,738.00 | 2,604,673.00 | 964,252.00 |
| 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 | 924,331.00 | 371,622.00 | 1,713,144.00 | 2,122,895.00 | 2,737,776.00 |
| Net Purchase/Sale of Business | 0 | 14,654.00 | 127,654.00 | 0 | 0 |
| Other Investing Activities | -248,338.00 | -413,390.00 | -891,060.00 | 481,778.00 | -1,773,524.00 |
| Financing Cash Flow | -137,281.00 | -785,434.00 | -1,690,454.00 | -3,927,586.00 | -2,064,328.00 |
| Net Issuance/Repayment of Debt | 2,215,612.00 | 0 | 0 | 0 | 289,230.00 |
| Net Issuance/Repurchase of Equity | 247,968.00 | 350,264.00 | 713,197.00 | 1,530,683.00 | 980,224.00 |
| Dividends Paid | 216,640.00 | 220,171.00 | 234,951.00 | 125,660.00 | 102,436.00 |
| Other Financing Activities | -2,817,501.00 | -1,355,869.00 | -2,638,602.00 | -5,583,929.00 | -3,436,218.00 |
| Net Change in Cash | 728,377.00 | -432,292.00 | -146,414.00 | -64,365.00 | -1,111,051.00 |
| Cash at Beginning of Period | 4,145,883.00 | 4,731,799.00 | 4,919,250.00 | 4,609,709.00 | 5,720,760.00 |
| Cash at End of Period | 4,874,260.00 | 4,299,507.00 | 4,772,836.00 | 4,545,344.00 | 4,609,709.00 |
| 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 | 45,692,676.00 | 44,354,071.00 | 43,057,728.00 | 48,040,693.00 | 43,886,731.00 | 41,202,444.00 | 39,733,504.00 | 44,106,390.00 | 41,896,265.00 | 39,560,323.00 | 41,919,599.00 | 43,345,240.00 | 41,519,468.00 | 39,090,903.00 | 41,395,129.00 | 45,634,728.00 | 41,538,131.00 | 41,184,565.00 | 42,360,797.00 | 46,414,551.00 |
| Deposits | 20,012,108.00 | 20,481,952.00 | 20,073,168.00 | 21,068,568.00 | 21,445,457.00 | 20,744,030.00 | 20,903,456.00 | 21,653,188.00 | 21,550,745.00 | 20,361,485.00 | 21,803,666.00 | 21,448,071.00 | 21,276,748.00 | 19,979,721.00 | 21,194,026.00 | 20,828,124.00 | 20,890,860.00 | 21,124,376.00 | 22,803,143.00 | 22,666,039.00 |
| Cash and Short-Term Investments | 3,851,119.00 | 4,387,619.00 | 4,015,032.00 | 5,411,419.00 | 4,818,579.00 | 5,625,286.00 | 3,932,843.00 | 4,714,100.00 | 3,811,030.00 | 4,136,488.00 | 3,973,089.00 | 5,092,452.00 | 5,109,004.00 | 3,888,186.00 | 3,456,695.00 | 5,092,654.00 | 2,901,712.00 | 4,676,850.00 | 6,359,971.00 | 5,078,981.00 |
| Cash and Cash Equivalents | 3,539,341.00 | 4,092,465.00 | 3,695,076.00 | 5,091,847.00 | 4,489,539.00 | 5,262,448.00 | 3,584,013.00 | 4,387,695.00 | 3,548,225.00 | 3,875,758.00 | 3,716,379.00 | 4,812,937.00 | 4,846,754.00 | 3,649,651.00 | 3,262,595.00 | 4,905,329.00 | 2,717,752.00 | 4,497,310.00 | 6,207,001.00 | 4,994,366.00 |
| Short-Term Investments | 311,778.00 | 295,154.00 | 319,956.00 | 319,572.00 | 329,040.00 | 362,838.00 | 348,830.00 | 326,405.00 | 262,805.00 | 260,730.00 | 256,710.00 | 279,515.00 | 262,250.00 | 238,535.00 | 194,100.00 | 187,325.00 | 183,960.00 | 179,540.00 | 152,970.00 | 84,615.00 |
| Net Receivables | 3,788,452.00 | 3,852,479.00 | 3,450,736.00 | 3,521,630.00 | 1,966,372.00 | 1,742,207.00 | 1,664,220.00 | 1,746,151.00 | 1,872,871.00 | 1,631,003.00 | 1,673,910.00 | 1,590,749.00 | 59,771,723.00 | 58,348,125.00 | 64,660,245.00 | 1,466,339.00 | 64,873,269.00 | 61,317,616.00 | 61,835,478.00 | 58,604,084.00 |
| 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 | 119,286.00 | 117,821.00 | 117,426.00 | 119,354.00 | 122,972.00 | 126,440.00 | 127,414.00 | 129,501.00 | 132,622.00 | 134,895.00 | 137,890.00 | 140,728.00 | 144,031.00 | 146,814.00 | 148,154.00 | 150,516.00 | 153,334.00 | 153,969.00 | 155,425.00 | 154,670.00 |
| Goodwill | 56,000.00 | 56,000.00 | 56,000.00 | 56,000.00 | 56,000.00 | 56,000.00 | 56,000.00 | 56,000.00 | 56,000.00 | 51,000.00 | 51,000.00 | 51,000.00 | 51,000.00 | 51,000.00 | 51,000.00 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 17,700.00 | 17,700.00 | 17,700.00 | 17,700.00 | 18,280.00 | 18,280.00 | 18,280.00 | 18,280.00 | 86,750.00 | 75,400.00 | 75,400.00 | 75,400.00 | 75,400.00 | 75,400.00 | 75,400.00 | 0 | 0 | 0 | 0 | 0 |
| 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 | 1,318.00 | 0 | 0 | 0 | 1,441.00 |
| 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 | 27,264,124.00 | 27,227,930.00 | 26,498,328.00 | 28,962,683.00 | 27,879,017.00 | 26,485,606.00 | 26,163,543.00 | 28,340,518.00 | 27,473,995.00 | 25,902,039.00 | 27,626,806.00 | 28,136,340.00 | 27,156,860.00 | 25,521,963.00 | 27,007,622.00 | 28,138,058.00 | 26,659,878.00 | 26,621,797.00 | 28,019,541.00 | 28,942,995.00 |
| Payables and Expenses | 53,000.00 | 82,000.00 | 60,000.00 | 92,000.00 | 70,000.00 | 85,000.00 | 67,000.00 | 91,000.00 | 73,000.00 | 69,000.00 | 69,000.00 | 59,000.00 | 48,000.00 | 33,000.00 | 42,000.00 | 35,000.00 | 46,000.00 | 41,000.00 | 61,000.00 | 50,000.00 |
| Account Payables | 53,000.00 | 82,000.00 | 60,000.00 | 92,000.00 | 70,000.00 | 85,000.00 | 67,000.00 | 91,000.00 | 73,000.00 | 69,000.00 | 69,000.00 | 59,000.00 | 48,000.00 | 33,000.00 | 42,000.00 | 35,000.00 | 46,000.00 | 41,000.00 | 61,000.00 | 50,000.00 |
| 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 | 199,583.00 | 199,379.00 | 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 | 18,428,552.00 | 17,126,141.00 | 16,559,400.00 | 19,078,010.00 | 16,007,714.00 | 14,716,838.00 | 13,569,961.00 | 15,765,872.00 | 14,422,270.00 | 13,658,284.00 | 14,292,793.00 | 15,208,900.00 | 14,362,608.00 | 13,568,940.00 | 14,387,507.00 | 17,496,670.00 | 14,878,253.00 | 14,562,768.00 | 14,341,256.00 | 17,471,556.00 |
| Shareholders Equity | 2,341,298.00 | 2,374,987.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Capital Stock | 339,707.00 | 339,662.00 | 339,636.00 | 427,312.00 | 339,176.00 | 339,126.00 | 339,102.00 | 426,364.00 | 338,709.00 | 338,669.00 | 338,600.00 | 425,120.00 | 338,092.00 | 338,091.00 | 337,992.00 | 423,876.00 | 337,473.00 | 337,372.00 | 337,281.00 | 433,762.00 |
| Share Premium | 1,231,189.00 | 1,218,580.00 | 1,209,017.00 | 1,193,753.00 | 1,185,187.00 | 1,173,735.00 | 1,163,838.00 | 1,148,689.00 | 1,140,599.00 | 1,129,537.00 | 1,121,082.00 | 1,109,072.00 | 1,101,761.00 | 1,095,296.00 | 1,086,852.00 | 1,074,384.00 | 1,068,059.00 | 1,058,698.00 | 1,052,904.00 | 1,331,247.00 |
| Retained Earnings | 4,531,160.00 | 4,426,222.00 | 4,386,169.00 | 8,228,891.00 | 4,034,639.00 | 4,107,979.00 | 3,884,693.00 | 7,458,805.00 | 3,694,662.00 | 3,694,819.00 | 3,459,565.00 | 6,745,455.00 | 3,689,071.00 | 3,643,785.00 | 3,331,719.00 | 2,817,134.00 | 2,543,411.00 | 2,480,672.00 | 2,350,986.00 | 1,722,365.00 |
| Treasury Shares | 3,715,591.00 | 3,548,644.00 | 3,478,335.00 | 3,421,609.00 | 3,374,914.00 | 3,258,794.00 | 3,196,604.00 | 3,156,364.00 | 3,064,344.00 | 3,064,010.00 | 2,804,732.00 | 2,789,967.00 | 2,635,044.00 | 2,618,188.00 | 2,254,667.00 | 2,061,383.00 | 1,797,979.00 | 1,551,724.00 | 1,108,630.00 | 798,993.00 |
| Accumulated Other Comprehensive Income | -45,167.00 | -60,833.00 | -55,631.00 | -65,861.00 | -50,339.00 | -78,809.00 | -77,291.00 | -75,104.00 | -101,315.00 | -83,564.00 | -78,333.00 | -93,870.00 | -93,477.00 | -63,999.00 | -39,514.00 | -17,897.00 | -19,703.00 | -21,640.00 | -24,077.00 | -34,200.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 12,477,802.00 | 11,453,323.00 | 11,584,342.00 | 13,293,106.00 | 13,854,943.00 | 15,369,343.00 | 15,177,544.00 | 15,905,572.00 | 15,312,951.00 | 15,604,319.00 | 15,232,927.00 | 15,376,729.00 | 15,983,813.00 | 16,720,360.00 | 15,354,694.00 | 16,437,068.00 | 16,266,950.00 | 13,642,014.00 | 13,731,491.00 | 12,706,181.00 |
| Debt | 36,370,146.00 | 34,504,444.00 | 32,926,726.00 | 42,096,155.00 | 32,240,706.00 | 28,442,832.00 | 25,889,272.00 | 33,615,984.00 | 29,127,608.00 | 27,319,820.00 | 29,124,704.00 | 33,678,840.00 | 29,181,138.00 | 27,366,324.00 | 29,368,618.00 | 38,658,516.00 | 29,739,314.00 | 28,356,098.00 | 26,739,624.00 | 34,245,882.00 |
| Net Debt | 32,519,027.00 | 30,116,825.00 | 28,911,694.00 | 36,684,736.00 | 27,422,127.00 | 22,817,546.00 | 21,956,429.00 | 28,901,884.00 | 25,316,578.00 | 23,183,332.00 | 25,151,615.00 | 28,586,388.00 | 24,072,134.00 | 23,478,138.00 | 25,911,923.00 | 33,565,862.00 | 26,837,602.00 | 23,679,248.00 | 20,379,653.00 | 29,166,901.00 |
| Common Shares Outstanding | 203,038.65 | 208,481.38 | 210,738.85 | 0 | 212,330.47 | 217,461.36 | 220,275.83 | 0 | 226,271.06 | 226,080.86 | 242,249.76 | 0 | 250,196.83 | 251,384.14 | 271,083.56 | 0 | 293,177.41 | 305,807.22 | 328,351.58 | 0 |
| Preferred Shares Outstanding | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 2,500.00 | 0 | 2,500.00 | 2,500.00 | 2,500.00 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cost Of Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 336,193.00 | 128,595.00 | 98,050.00 | -166,797.00 | 17,648.00 | 156,090.00 | 225,767.00 |
| Interest Income | 1,970,436.00 | 1,312,849.00 | 656,090.00 | -1,295,559.00 | 1,957,673.00 | 1,305,034.00 | 663,558.00 | -1,231,217.00 | 1,923,753.00 | 1,271,503.00 | 637,598.00 | -805,423.00 | 1,447,980.00 | 928,069.00 | 465,038.00 | -848,173.00 | 1,318,403.00 | 870,848.00 | 436,158.00 |
| Interest Expense | 845,669.00 | 561,059.00 | 281,120.00 | -495,812.00 | 839,082.00 | 545,846.00 | 289,003.00 | -409,309.00 | 782,343.00 | 501,908.00 | 242,808.00 | -19,169.00 | 336,597.00 | 183,424.00 | 85,465.00 | -168,924.00 | 275,196.00 | 190,387.00 | 99,775.00 |
| Net Interest | 1,124,767.00 | 751,790.00 | 374,970.00 | -812,208.00 | 1,118,591.00 | 759,188.00 | 387,016.00 | -841,397.00 | 1,176,327.00 | 791,699.00 | 405,068.00 | -767,217.00 | 1,107,350.00 | 737,840.00 | 375,032.00 | -668,478.00 | 1,027,416.00 | 669,898.00 | 331,114.00 |
| Non-Interest Income | 405,522.00 | 232,820.00 | 206,044.00 | -462,339.00 | 340,486.00 | 315,963.00 | 174,158.00 | -130,363.00 | 190,003.00 | 165,765.00 | 21,711.00 | -342,746.00 | 375,281.00 | 280,178.00 | 21,925.00 | -739,519.00 | 479,688.00 | 465,775.00 | 413,427.00 |
| Non-Interest Expense | 502,257.00 | 321,853.00 | 154,609.00 | 372,327.00 | 492,271.00 | 320,248.00 | 161,648.00 | -205,959.00 | 483,456.00 | 313,220.00 | 156,811.00 | -204,096.00 | 419,178.00 | 266,886.00 | 132,739.00 | -199,385.00 | 394,413.00 | 253,656.00 | 125,576.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 336,193.00 | 128,595.00 | 98,050.00 | 166,797.00 | -17,648.00 | -156,090.00 | -225,767.00 |
| Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 167,402.00 | 0 | 0 | 0 | 149,964.00 | 0 | 0 | 0 | -251,513.00 | 393,158.00 | 252,509.00 | 124,499.00 |
| Other Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 167,402.00 | 0 | 0 | 0 | 149,964.00 | 0 | 0 | 0 | -251,513.00 | 393,158.00 | 252,509.00 | 124,499.00 |
| EBT | 676,566.00 | 490,753.00 | 403,119.00 | -981,351.00 | 666,470.00 | 726,032.00 | 387,485.00 | -442,973.00 | 553,010.00 | 512,403.00 | 155,856.00 | -885,240.00 | 727,260.00 | 622,537.00 | 166,168.00 | -1,472,914.00 | 1,130,339.00 | 1,038,107.00 | 844,732.00 |
| Income Tax | 164,904.00 | 114,941.00 | 98,579.00 | -268,166.00 | 169,698.00 | 184,108.00 | 97,554.00 | -116,257.00 | 140,062.00 | 128,820.00 | 37,338.00 | -218,851.00 | 181,203.00 | 151,652.00 | 37,356.00 | -348,087.00 | 276,091.00 | 256,699.00 | 203,525.00 |
| Net Income Including Non-Controlling Interests | 0 | 0 | 304,540.00 | 496,348.00 | 496,772.00 | 541,924.00 | 289,931.00 | 829,124.00 | 412,948.00 | 383,583.00 | 118,518.00 | 261,288.00 | 546,057.00 | 470,885.00 | 128,812.00 | 2,365,189.00 | 854,248.00 | 781,408.00 | 641,207.00 |
| Net Income Non-Controlling Interests | 0 | 0 | -3,956.00 | -1,207,083.00 | -13,929.00 | -9,281.00 | -4,653.00 | -1,155,108.00 | -12,979.00 | -8,337.00 | -4,063.00 | -937,187.00 | -5,563.00 | -3,032.00 | -1,275.00 | -3,479,122.00 | -3,559.00 | -2,393.00 | -1,201.00 |
| Net Income | 511,662.00 | 375,812.00 | 300,584.00 | -710,735.00 | 482,843.00 | 532,643.00 | 285,278.00 | -325,984.00 | 399,969.00 | 375,246.00 | 114,455.00 | -675,899.00 | 540,494.00 | 467,853.00 | 127,537.00 | -1,113,933.00 | 850,689.00 | 779,015.00 | 640,006.00 |
| EBIT | 1,522,235.00 | 1,051,812.00 | 684,239.00 | -1,477,163.00 | 1,505,552.00 | 1,271,878.00 | 676,488.00 | -852,282.00 | 1,335,353.00 | 1,014,311.00 | 398,664.00 | -904,409.00 | 1,063,857.00 | 805,961.00 | 251,633.00 | -1,641,838.00 | 1,405,535.00 | 1,228,494.00 | 944,507.00 |
| Deprecation and Amortization | 1,289.00 | 843.00 | 474.00 | -13,014.00 | 9,600.00 | 6,663.00 | 3,292.00 | -17,601.00 | 13,933.00 | 8,577.00 | 3,997.00 | -2,739.00 | 8,499.00 | 5,033.00 | 2,013.00 | -5,917.00 | 6,308.00 | 4,517.00 | 2,462.00 |
| EBITDA | 1,523,524.00 | 1,052,655.00 | 684,713.00 | -1,490,177.00 | 1,515,152.00 | 1,278,541.00 | 679,780.00 | -869,883.00 | 1,349,286.00 | 1,022,888.00 | 402,661.00 | -907,148.00 | 1,072,356.00 | 810,994.00 | 253,646.00 | -1,647,755.00 | 1,411,843.00 | 1,233,011.00 | 946,969.00 |
| 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 | 209,023.00 | 209,978.00 | 210,682.00 | 206,735.00 | 218,059.00 | 219,670.00 | 220,416.00 | 211,716.00 | 234,170.00 | 238,261.00 | 241,497.00 | 224,569.00 | 263,098.00 | 269,112.00 | 276,977.00 | 238,304.00 | 324,148.00 | 336,478.00 | 361,042.00 |
| Average Shares Outstanding Diluted | 212,922.00 | 214,098.00 | 214,986.00 | 211,182.00 | 221,553.00 | 223,156.00 | 223,845.00 | 215,556.00 | 236,593.00 | 240,554.00 | 243,549.00 | 226,950.00 | 266,065.00 | 272,343.00 | 280,654.00 | 242,800.00 | 329,064.00 | 341,544.00 | 366,240.00 |
| 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 | -334,117.00 | -284,780.00 | -146,051.00 | 820,823.00 | -333,934.00 | -220,513.00 | -76,711.00 | 547,010.00 | -117,496.00 | -58,146.00 | 8,888.00 | 523,148.00 | 5,867.00 | 2,499.00 | 62,788.00 | 1,519,505.00 | -95,124.00 | -179,933.00 | 45,752.00 |
| Operating Net Income | 511,662.00 | 375,812.00 | 304,540.00 | 496,348.00 | 496,772.00 | 541,924.00 | 289,931.00 | 829,124.00 | 412,948.00 | 383,583.00 | 118,518.00 | 261,288.00 | 546,057.00 | 470,885.00 | 128,812.00 | 2,365,189.00 | 854,248.00 | 781,408.00 | 641,207.00 |
| Deprecation and Amortization | 1,289.00 | 843.00 | 474.00 | -13,014.00 | 9,600.00 | 6,663.00 | 3,292.00 | -17,601.00 | 13,933.00 | 8,577.00 | 3,997.00 | -2,739.00 | 8,499.00 | 5,033.00 | 2,013.00 | 5,917.00 | -6,308.00 | -4,517.00 | -2,462.00 |
| Deferred Income Tax | 164,904.00 | 114,941.00 | 98,579.00 | -485,687.00 | 169,698.00 | 184,108.00 | 97,554.00 | -329,444.00 | 140,062.00 | 128,820.00 | 37,338.00 | -463,881.00 | 181,203.00 | 151,652.00 | 37,356.00 | -680,943.00 | 276,091.00 | 256,699.00 | 203,525.00 |
| Share Based Compensation | 31,543.00 | 22,607.00 | 13,272.00 | -28,902.00 | 31,741.00 | 23,367.00 | 13,790.00 | -23,284.00 | 28,300.00 | 19,828.00 | 11,536.00 | -24,908.00 | 27,152.00 | 20,296.00 | 11,921.00 | -22,297.00 | 24,254.00 | 17,568.00 | 11,124.00 |
| Change in Working Capital | 721,480.00 | 460,704.00 | 262,011.00 | -163,690.00 | 638,683.00 | 377,353.00 | 259,108.00 | -268,828.00 | 663,953.00 | 467,889.00 | 283,591.00 | 26,475.00 | 395,406.00 | 266,203.00 | 179,543.00 | -36,009.00 | 451,340.00 | 225,392.00 | 234,560.00 |
| Other Operating Activities | -1,764,995.00 | -1,259,687.00 | -824,927.00 | 1,015,768.00 | -1,680,428.00 | -1,353,928.00 | -740,386.00 | 357,043.00 | -1,376,692.00 | -1,066,843.00 | -446,092.00 | 726,913.00 | -1,152,450.00 | -911,570.00 | -296,857.00 | -112,352.00 | -1,694,749.00 | -1,456,483.00 | -1,042,202.00 |
| Investing Cash Flow | 208,148.00 | 461,935.00 | 496,928.00 | -2,525,175.00 | 407,323.00 | 2,221,515.00 | 572,330.00 | 1,619,145.00 | -935,239.00 | 760,032.00 | -1,471,052.00 | -433,592.00 | 1,014,201.00 | 1,357,996.00 | -988,867.00 | -3,754,771.00 | 1,181,892.00 | 2,787,190.00 | 2,390,362.00 |
| 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 | 479,777.00 | 444,310.00 | 374,341.00 | -673,767.00 | 821,761.00 | 470,847.00 | 305,490.00 | -185,428.00 | 285,832.00 | 192,874.00 | 78,344.00 | -2,570,324.00 | 1,565,841.00 | 1,494,188.00 | 1,223,439.00 | -1,329,142.00 | 1,958,860.00 | 1,087,094.00 | 406,083.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | 14,654.00 | 0 | 0 | -255,270.00 | 127,654.00 | 127,568.00 | 127,702.00 | 0 | 0 | 0 | 0 |
| Other Investing Activities | -271,629.00 | 17,625.00 | 122,587.00 | -1,851,408.00 | -414,438.00 | 1,750,668.00 | 266,840.00 | 1,804,573.00 | -1,235,725.00 | 567,158.00 | -1,549,396.00 | 2,392,002.00 | -679,294.00 | -263,760.00 | -2,340,008.00 | -2,425,629.00 | -776,968.00 | 1,700,096.00 | 1,984,279.00 |
| Financing Cash Flow | -1,015,807.00 | -795,189.00 | -1,356,576.00 | 1,534,227.00 | 287,627.00 | -895,831.00 | -1,063,304.00 | 72,289.00 | 3,185.00 | -1,448,379.00 | 587,471.00 | 1,128,081.00 | -540,741.00 | -2,109,084.00 | -168,710.00 | 2,105,481.00 | -2,803,252.00 | -2,555,701.00 | -674,114.00 |
| Net Issuance/Repayment of Debt | 700,000.00 | 0 | 0 | 2,215,612.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Issuance/Repurchase of Equity | 244,919.00 | 101,401.00 | 29,696.00 | -64,892.00 | 200,898.00 | 86,505.00 | 25,457.00 | -172,403.00 | 259,331.00 | 259,331.00 | 4,005.00 | -557,230.00 | 555,607.00 | 545,498.00 | 169,322.00 | -1,324,086.00 | 1,276,681.00 | 1,027,298.00 | 550,790.00 |
| Dividends Paid | 93,442.00 | 62,547.00 | 31,422.00 | 44,360.00 | 85,763.00 | 57,586.00 | 28,931.00 | 39,402.00 | 89,796.00 | 60,275.00 | 30,698.00 | 49,793.00 | 91,782.00 | 61,608.00 | 31,768.00 | 58,327.00 | 32,663.00 | 22,563.00 | 12,107.00 |
| Other Financing Activities | -2,054,168.00 | -959,137.00 | -1,417,694.00 | -660,853.00 | 966.00 | -1,039,922.00 | -1,117,692.00 | 205,290.00 | -345,942.00 | -1,767,985.00 | 552,768.00 | 1,635,518.00 | -1,188,130.00 | -2,716,190.00 | -369,800.00 | 3,371,240.00 | -4,112,596.00 | -3,605,562.00 | -1,237,011.00 |
| Net Change in Cash | -1,141,776.00 | -618,034.00 | -1,005,699.00 | -170,125.00 | 361,016.00 | 1,105,171.00 | -567,685.00 | 2,238,444.00 | -1,049,550.00 | -746,493.00 | -874,693.00 | 1,217,637.00 | 479,327.00 | -748,589.00 | -1,094,789.00 | -161,437.00 | -1,716,484.00 | 51,556.00 | 1,762,000.00 |
| Cash at Beginning of Period | 4,874,260.00 | 4,874,260.00 | 4,874,260.00 | 5,044,385.00 | 4,299,507.00 | 4,299,507.00 | 4,299,507.00 | 2,061,063.00 | 4,772,836.00 | 4,772,836.00 | 4,772,836.00 | 3,555,199.00 | 4,545,344.00 | 4,545,344.00 | 4,545,344.00 | 4,706,781.00 | 4,609,709.00 | 4,609,709.00 | 4,609,709.00 |
| Cash at End of Period | 3,732,484.00 | 4,256,226.00 | 3,868,561.00 | 4,874,260.00 | 4,660,523.00 | 5,404,678.00 | 3,731,822.00 | 4,299,507.00 | 3,723,286.00 | 4,026,343.00 | 3,898,143.00 | 4,772,836.00 | 5,024,671.00 | 3,796,755.00 | 3,450,555.00 | 4,545,344.00 | 2,893,225.00 | 4,661,265.00 | 6,371,709.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |