SPFI
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 11.47 | 7.76 | 8.22 | 8.53 | 7.55 |
| Price to Sales | |||||
| Book Value Per Common Share | 76.55 | 69.32 | 57.90 | 68.84 | 62.67 |
| Price to Book | 0.45 | 0.42 | 0.48 | 0.40 | 0.30 |
| Price to Operating Cash Flow | 6.46 | 5.65 | 3.02 | 3.57 | 14.62 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 29996.03 | 25952.69 | 22714.98 | 23972.13 | 22565.72 |
| 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 | 14.58 | 21.84 | 44.16 | 16.79 | 20.15 | 40.55 | 8.56 | 9.87 | 39.65 | 10.56 | 14.12 | 32.81 | 9.94 | 14.46 | 27.05 |
| Price to Sales | |||||||||||||||
| Book Value Per Common Share | 29.41 | 27.98 | 27.33 | 27.04 | 25.45 | 24.87 | 22.39 | 23.13 | 21.57 | 20.03 | 20.91 | 21.90 | 22.34 | 21.81 | 20.75 |
| Price to Book | 1.31 | 1.29 | 1.21 | 1.25 | 1.06 | 1.08 | 1.18 | 0.97 | 0.99 | 1.38 | 1.15 | 1.21 | 1.09 | 1.06 | 1.09 |
| Price to Operating Cash Flow | 9.68 | 14.40 | 20.84 | 10.08 | 11.88 | 22.95 | 8.64 | 14.92 | 14.38 | 4.05 | 4.75 | 6.67 | 5.62 | 6.03 | 50.39 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA | 51604.76 | 74208.40 | 142106.52 | 47742.98 | 57696.26 | 114482.77 | 37015.82 | 47840.00 | 143394.19 | 65242.61 | 91597.15 | 217667.33 | 65059.28 | 95185.34 | 179702.08 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -18.77 | 11.34 | 2.76 | 29.88 | |
| Revenue YoY | |||||
| EBITDA YoY | 1.15 | -10.74 | 1.10 | 37.36 | |
| Net Profit YoY | -20.76 | 7.74 | -0.64 | 29.24 |
| 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 | 60.61 | 120.00 | 50.75 | 103.03 | 35.53 | 322.22 | 52.63 | 111.11 | 52.50 | 90.48 | |||||
| Revenue YoY | |||||||||||||||
| EBITDA YoY | 54.38 | 108.31 | 51.47 | 100.11 | 48.66 | 213.10 | -64.11 | 57.04 | 112.70 | -71.31 | 51.77 | 91.79 | |||
| Net Profit YoY | 60.66 | 118.80 | 50.95 | 102.39 | 34.66 | 321.11 | 51.25 | 109.44 | 52.72 | 89.84 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 50.15 | 44.38 | 32.74 | 59.59 | 37.03 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 3.83 | 4.09 | 0.75 | 0.72 | 0.72 |
| 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 | 38.97 | 28.82 | 32.67 | 28.71 | 18.14 | 22.64 | 20.76 | 17.34 | 19.24 | 18.86 | 21.34 | 29.84 | 18.19 | 21.27 | 22.88 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 8.38 | 8.61 | 8.93 | 8.79 | 9.10 | 9.32 | 10.26 | 9.59 | 10.03 | 10.68 | 9.91 | 9.33 | 8.48 | 8.45 | 8.96 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.04 | 1.33 | 0.70 | 0.70 | 0.59 |
| ROE | 5.02 | 6.76 | 1.22 | 1.21 | 1.02 |
| 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 | 0.96 | 0.62 | 0.28 | 0.77 | 0.52 | 0.26 | 1.25 | 0.94 | 0.23 | 1.14 | 0.76 | 0.36 | 1.17 | 0.78 | 0.41 |
| ROE | 9.05 | 5.92 | 2.77 | 7.50 | 5.27 | 2.66 | 14.10 | 9.93 | 2.51 | 13.35 | 8.28 | 3.72 | 11.05 | 7.33 | 4.05 |
| 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 | 4,783,195.00 | 4,725,280.00 | 8,369,695.00 | 8,335,136.00 | 7,691,864.00 |
| Deposits | 3,620,876.00 | 3,626,153.00 | 3,406,430.00 | 3,341,222.00 | 2,974,351.00 |
| Cash and Short-Term Investments | 823,020.00 | 747,483.00 | 568,762.00 | 1,069,885.00 | 668,504.00 |
| Cash and Cash Equivalents | 823,020.00 | 747,483.00 | 568,762.00 | 1,069,885.00 | 668,504.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 13,524,838.00 | 12,136,179.00 | 13,812,101.00 | 12,264,029.00 | 15,233.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 60,919.00 | 63,751.00 | 64,275.00 | 57,699.00 | 60,331.00 |
| Goodwill | 19,315.00 | 19,315.00 | 19,508.00 | 19,508.00 | 19,508.00 |
| Intangible Assets | 1,720.00 | 2,429.00 | 4,349.00 | 5,895.00 | 7,562.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 22,840.00 | 19,413.00 | 22,818.00 | 3,038.00 | 2,461.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 3,793,290.00 | 3,797,679.00 | 3,587,049.00 | 3,494,428.00 | 3,229,112.00 |
| 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 | 26,550.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 989,905.00 | 927,601.00 | 4,782,646.00 | 4,840,708.00 | 4,462,752.00 |
| Shareholders Equity | 1,256,226.00 | 1,167,674.00 | 1,005,934.00 | 1,235,983.00 | 1,131,483.00 |
| Capital Stock | 16,456.00 | 16,417.00 | 17,027.00 | 17,760.00 | 18,076.00 |
| Share Premium | 97,287.00 | 97,107.00 | 112,834.00 | 133,215.00 | 141,112.00 |
| Retained Earnings | 385,110.00 | 344,547.00 | 290,644.00 | 242,750.00 | 189,521.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -60,621.00 | -51,674.00 | -65,108.00 | 13,702.00 | 21,339.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 12,684,658.00 | 11,515,757.00 | 13,776,856.00 | 12,614,598.00 | 3,145,204.00 |
| Debt | 267,140.00 | 266,754.00 | 291,140.00 | 290,754.00 | 418,457.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 4,300.00 | 4,610.00 | 7,857.00 | 5,754.00 | 0 |
| Interest Income | 240,899.00 | 212,033.00 | 161,168.00 | 135,036.00 | 138,231.00 |
| Interest Expense | 100,522.00 | 79,580.00 | 28,381.00 | 18,208.00 | 19,336.00 |
| Net Interest | 147,098.00 | 139,747.00 | 138,476.00 | 121,764.00 | 122,285.00 |
| Non-Interest Income | 48,072.00 | 79,226.00 | 76,145.00 | 97,469.00 | 101,603.00 |
| Non-Interest Expense | 127,578.00 | 134,946.00 | 144,089.00 | 148,030.00 | 141,715.00 |
| Provisions for Credit Losses | 4,300.00 | 4,610.00 | -7,857.00 | -5,754.00 | 0 |
| Selling, General and Administrative Expenses | 30,756.00 | 29,398.00 | 33,121.00 | 28,544.00 | 27,642.00 |
| EBT | 85,905.00 | 105,326.00 | 179,272.00 | 188,116.00 | 128,859.00 |
| Income Tax | 11,730.00 | 14,768.00 | 28,267.00 | 27,675.00 | 21,482.00 |
| Net Income | 49,717.00 | 62,745.00 | 58,240.00 | 58,614.00 | 45,353.00 |
| EBIT | 186,427.00 | 184,906.00 | 207,653.00 | 206,324.00 | 148,195.00 |
| Deprecation and Amortization | 3,666.00 | 3,031.00 | 2,893.00 | 1,923.00 | 3,409.00 |
| EBITDA | 190,093.00 | 187,937.00 | 210,546.00 | 208,247.00 | 151,604.00 |
| 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 | 16,410.34 | 16,843.75 | 17,373.14 | 17,953.62 | 18,054.37 |
| Average Shares Outstanding Diluted | 17,031.34 | 17,333.21 | 18,019.83 | 18,492.22 | 18,339.03 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 88,323.00 | 86,321.00 | 158,222.00 | 139,861.00 | 23,406.00 |
| Operating Net Income | 149,151.00 | 188,235.00 | 232,960.00 | 234,456.00 | 181,412.00 |
| Deprecation and Amortization | 3,666.00 | 3,031.00 | 2,893.00 | 1,923.00 | 3,409.00 |
| Deferred Income Tax | -1,049.00 | 99.00 | 1,359.00 | 0 | 0 |
| Share Based Compensation | 6,989.00 | 6,514.00 | 8,306.00 | 4,878.00 | 3,844.00 |
| Change in Working Capital | 0 | 0 | 0 | 0 | 0 |
| Other Operating Activities | -70,434.00 | -111,558.00 | -87,296.00 | -101,396.00 | -165,259.00 |
| Investing Cash Flow | -13,927.00 | -143,376.00 | -408,857.00 | -159,841.00 | -156,228.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 3,734.00 | 5,649.00 | 4,949.00 | 4,378.00 | 3,532.00 |
| Net Purchase/Sale of Investments Net | 642,724.00 | 492,832.00 | 257,966.00 | 181,873.00 | 489,091.00 |
| Net Purchase/Sale of Business | 0 | 36,080.00 | 0 | 0 | 687.00 |
| Net Loan & Lease Activity | 46,287.00 | 270,196.00 | 311,459.00 | 218,458.00 | 84,991.00 |
| Other Investing Activities | -706,672.00 | -948,133.00 | -983,231.00 | -564,550.00 | -734,529.00 |
| Financing Cash Flow | -27,783.00 | 140,501.00 | 1,450.00 | 234,847.00 | 338,739.00 |
| Net Issuance/Repayment of Debt | 0 | 0 | 0 | 48,450.00 | 208,455.00 |
| Net Issuance/Repurchase of Equity | 1,340.00 | 17,763.00 | 22,699.00 | 9,227.00 | 293.00 |
| Dividends Paid | 9,154.00 | 8,745.00 | 8,012.00 | 5,385.00 | 2,528.00 |
| Other Financing Activities | -38,277.00 | 113,993.00 | -29,261.00 | 171,785.00 | 127,463.00 |
| Net Change in Cash | 46,613.00 | 83,446.00 | -249,185.00 | 214,867.00 | 205,917.00 |
| Cash at Beginning of Period | 312,469.00 | 246,712.00 | 484,068.00 | 271,954.00 | 94,390.00 |
| Cash at End of Period | 359,082.00 | 330,158.00 | 234,883.00 | 486,821.00 | 300,307.00 |
| 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 | 4,479,437.00 | 4,363,674.00 | 4,405,209.00 | 4,783,195.00 | 4,337,659.00 | 4,220,936.00 | 4,218,993.00 | 4,725,280.00 | 4,186,440.00 | 4,150,129.00 | 4,058,049.00 | 8,369,695.00 | 3,992,690.00 | 3,974,724.00 | 3,999,744.00 | 8,335,136.00 | 3,774,175.00 | 3,712,915.00 | 3,732,894.00 | 7,691,864.00 |
| Deposits | 3,881,143.00 | 3,738,938.00 | 3,792,519.00 | 3,620,876.00 | 3,719,360.00 | 3,624,513.00 | 3,638,571.00 | 3,626,153.00 | 3,620,614.00 | 3,574,522.00 | 3,508,054.00 | 3,406,430.00 | 3,460,536.00 | 3,425,837.00 | 3,450,157.00 | 3,341,222.00 | 3,212,245.00 | 3,158,495.00 | 3,155,632.00 | 2,974,351.00 |
| Cash and Short-Term Investments | 635,046.00 | 470,496.00 | 536,300.00 | 823,020.00 | 471,167.00 | 298,006.00 | 371,939.00 | 747,483.00 | 352,424.00 | 295,581.00 | 328,002.00 | 568,762.00 | 329,962.00 | 375,690.00 | 528,612.00 | 1,069,885.00 | 327,600.00 | 383,949.00 | 413,406.00 | 668,504.00 |
| Cash and Cash Equivalents | 635,046.00 | 470,496.00 | 536,300.00 | 823,020.00 | 471,167.00 | 298,006.00 | 371,939.00 | 747,483.00 | 352,424.00 | 295,581.00 | 328,002.00 | 568,762.00 | 329,962.00 | 375,690.00 | 528,612.00 | 1,069,885.00 | 327,600.00 | 383,949.00 | 413,406.00 | 668,504.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 13,418,563.00 | 13,665,420.00 | 12,401,095.00 | 13,524,838.00 | 13,446,609.00 | 13,685,398.00 | 12,117,259.00 | 12,136,179.00 | 12,047,523.00 | 11,994,056.00 | 11,227,501.00 | 13,812,101.00 | 13,523,105.00 | 12,969,150.00 | 12,340,832.00 | 12,264,029.00 | 9,824,678.00 | 9,331,793.00 | 11,277.00 | 15,233.00 |
| 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 | 51,809.00 | 51,329.00 | 50,873.00 | 60,919.00 | 53,323.00 | 53,952.00 | 54,221.00 | 63,751.00 | 64,953.00 | 65,342.00 | 63,950.00 | 64,275.00 | 64,816.00 | 65,147.00 | 57,387.00 | 57,699.00 | 59,056.00 | 59,127.00 | 59,211.00 | 60,331.00 |
| Goodwill | 19,315.00 | 19,315.00 | 19,315.00 | 19,315.00 | 19,315.00 | 19,315.00 | 19,315.00 | 19,315.00 | 19,315.00 | 19,315.00 | 19,508.00 | 19,508.00 | 19,508.00 | 19,508.00 | 19,508.00 | 19,508.00 | 19,508.00 | 19,508.00 | 19,508.00 | 19,508.00 |
| Intangible Assets | 1,265.00 | 1,417.00 | 1,569.00 | 1,720.00 | 1,882.00 | 2,064.00 | 2,247.00 | 2,429.00 | 2,621.00 | 2,834.00 | 3,988.00 | 4,349.00 | 4,720.00 | 5,112.00 | 5,503.00 | 5,895.00 | 6,296.00 | 6,718.00 | 7,140.00 | 7,562.00 |
| 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 | 21,650.00 | 23,469.00 | 21,944.00 | 22,840.00 | 18,889.00 | 22,319.00 | 21,309.00 | 19,413.00 | 28,135.00 | 22,359.00 | 21,779.00 | 22,818.00 | 24,317.00 | 16,907.00 | 8,393.00 | 3,038.00 | 2,598.00 | 1,675.00 | 4,004.00 | 2,461.00 |
| 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 | 4,001,635.00 | 3,909,600.00 | 3,961,466.00 | 3,793,290.00 | 3,894,537.00 | 3,802,951.00 | 3,810,281.00 | 3,797,679.00 | 3,814,724.00 | 3,758,100.00 | 3,690,085.00 | 3,587,049.00 | 3,650,891.00 | 3,610,502.00 | 3,612,676.00 | 3,494,428.00 | 3,375,899.00 | 3,320,100.00 | 3,358,223.00 | 3,229,112.00 |
| 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 | 2,752.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,890.00 | 17,525.00 | 26,550.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 477,802.00 | 454,074.00 | 443,743.00 | 989,905.00 | 443,122.00 | 417,985.00 | 408,712.00 | 927,601.00 | 371,716.00 | 392,029.00 | 367,964.00 | 4,782,646.00 | 341,799.00 | 364,222.00 | 387,068.00 | 4,840,708.00 | 398,276.00 | 392,815.00 | 374,671.00 | 4,462,752.00 |
| Shareholders Equity | 477,802.00 | 454,074.00 | 443,743.00 | 1,256,226.00 | 443,122.00 | 417,985.00 | 408,712.00 | 1,167,674.00 | 371,716.00 | 392,029.00 | 367,964.00 | 1,005,934.00 | 341,799.00 | 364,222.00 | 387,068.00 | 1,235,983.00 | 398,276.00 | 392,815.00 | 374,671.00 | 1,131,483.00 |
| Capital Stock | 16,248.00 | 16,230.00 | 16,236.00 | 16,456.00 | 16,386.00 | 16,424.00 | 16,432.00 | 16,417.00 | 16,600.00 | 16,952.00 | 17,062.00 | 17,027.00 | 17,065.00 | 17,417.00 | 17,673.00 | 17,760.00 | 17,824.00 | 18,014.00 | 18,053.00 | 18,076.00 |
| Share Premium | 91,116.00 | 90,268.00 | 89,799.00 | 97,287.00 | 97,367.00 | 97,766.00 | 97,406.00 | 97,107.00 | 102,633.00 | 111,133.00 | 112,981.00 | 112,834.00 | 116,565.00 | 125,332.00 | 130,618.00 | 133,215.00 | 136,401.00 | 140,212.00 | 140,633.00 | 141,112.00 |
| Retained Earnings | 421,542.00 | 407,822.00 | 395,652.00 | 385,110.00 | 371,782.00 | 362,855.00 | 354,011.00 | 344,547.00 | 337,076.00 | 325,772.00 | 298,300.00 | 290,644.00 | 281,679.00 | 268,305.00 | 255,078.00 | 242,750.00 | 229,737.00 | 216,164.00 | 203,777.00 | 189,521.00 |
| 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 | -51,104.00 | -60,246.00 | -57,944.00 | -60,621.00 | -42,413.00 | -59,060.00 | -59,137.00 | -51,674.00 | -84,593.00 | -61,828.00 | -60,379.00 | -65,108.00 | -73,510.00 | -46,832.00 | -16,301.00 | 13,702.00 | 14,314.00 | 18,425.00 | 12,208.00 | 21,339.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 12,560,065.00 | 12,755,404.00 | 11,521,646.00 | 12,684,658.00 | 12,743,039.00 | 12,861,185.00 | 11,413,499.00 | 11,515,757.00 | 11,300,359.00 | 11,432,537.00 | 11,141,858.00 | 13,776,856.00 | 13,586,122.00 | 13,348,288.00 | 12,961,586.00 | 12,614,598.00 | 12,678,720.00 | 12,282,556.00 | 3,045,006.00 | 3,145,204.00 |
| Debt | 60,493.00 | 113,199.00 | 174,400.00 | 267,140.00 | 174,207.00 | 174,161.00 | 174,014.00 | 266,754.00 | 198,593.00 | 198,547.00 | 198,400.00 | 291,140.00 | 198,207.00 | 198,161.00 | 198,014.00 | 290,754.00 | 197,821.00 | 201,665.00 | 240,153.00 | 418,457.00 |
| Common Shares Outstanding | 16,247.84 | 16,230.48 | 16,235.65 | 0 | 16,386.63 | 16,424.02 | 16,431.76 | 0 | 16,600.44 | 16,952.07 | 17,062.57 | 0 | 17,064.64 | 17,417.09 | 17,673.41 | 0 | 17,824.09 | 18,014.40 | 18,053.23 | 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 | 3,420.00 | 2,920.00 | 420.00 | -2,235.00 | 3,100.00 | 2,605.00 | 830.00 | -5,120.00 | 4,010.00 | 4,710.00 | 1,010.00 | -13,254.00 | 8,601.00 | 6,255.00 | 6,255.00 | -5,754.00 | 5,754.00 | 5,754.00 | 0 |
| Interest Income | 188,577.00 | 124,057.00 | 59,922.00 | -115,338.00 | 179,575.00 | 117,935.00 | 58,727.00 | -88,481.00 | 154,797.00 | 98,269.00 | 47,448.00 | -60,684.00 | 114,940.00 | 73,832.00 | 33,080.00 | -64,380.00 | 100,436.00 | 65,998.00 | 32,982.00 |
| Interest Expense | 64,528.00 | 43,027.00 | 21,395.00 | -40,541.00 | 71,025.00 | 46,679.00 | 23,359.00 | -13,138.00 | 50,212.00 | 29,373.00 | 13,133.00 | 5,682.00 | 12,786.00 | 6,780.00 | 3,133.00 | -2,212.00 | 10,121.00 | 6,861.00 | 3,438.00 |
| Net Interest | 124,049.00 | 81,030.00 | 38,527.00 | -68,076.00 | 108,550.00 | 71,256.00 | 35,368.00 | -68,049.00 | 104,585.00 | 68,896.00 | 34,315.00 | -60,677.00 | 102,154.00 | 67,052.00 | 29,947.00 | -57,232.00 | 90,315.00 | 59,137.00 | 29,544.00 |
| Non-Interest Income | 33,955.00 | 22,790.00 | 10,625.00 | -22,208.00 | 34,753.00 | 24,118.00 | 11,409.00 | -59,348.00 | 70,080.00 | 57,803.00 | 10,691.00 | -53,553.00 | 63,469.00 | 42,532.00 | 23,697.00 | -52,322.00 | 74,541.00 | 48,750.00 | 26,500.00 |
| Non-Interest Expense | 99,597.00 | 66,573.00 | 33,030.00 | -66,484.00 | 97,630.00 | 64,502.00 | 31,930.00 | -74,624.00 | 104,349.00 | 72,860.00 | 32,361.00 | -79,196.00 | 111,381.00 | 73,980.00 | 37,924.00 | -74,760.00 | 111,898.00 | 73,835.00 | 37,057.00 |
| Provisions for Credit Losses | 3,420.00 | 2,920.00 | 420.00 | -2,235.00 | 3,100.00 | 2,605.00 | 830.00 | -5,120.00 | 4,010.00 | 4,710.00 | 1,010.00 | 13,254.00 | -8,601.00 | -6,255.00 | -6,255.00 | 5,754.00 | -5,754.00 | -5,754.00 | 0 |
| Selling, General and Administrative Expenses | 23,274.00 | 15,772.00 | 7,826.00 | -14,280.00 | 23,029.00 | 14,860.00 | 7,147.00 | -15,166.00 | 22,313.00 | 14,971.00 | 7,280.00 | -16,518.00 | 24,990.00 | 16,514.00 | 8,135.00 | -12,345.00 | 20,629.00 | 13,500.00 | 6,760.00 |
| EBT | 54,987.00 | 34,327.00 | 15,702.00 | 1,048.00 | 42,573.00 | 28,267.00 | 14,017.00 | -21,744.00 | 66,306.00 | 49,129.00 | 11,635.00 | 66,669.00 | 57,109.00 | 37,689.00 | 17,805.00 | 78,372.00 | 54,876.00 | 35,970.00 | 18,898.00 |
| Income Tax | 11,770.00 | 7,428.00 | 3,408.00 | -7,025.00 | 9,353.00 | 6,259.00 | 3,143.00 | -11,710.00 | 13,885.00 | 10,202.00 | 2,391.00 | 5,722.00 | 11,490.00 | 7,528.00 | 3,527.00 | 5,901.00 | 10,876.00 | 7,160.00 | 3,738.00 |
| Net Income | 43,217.00 | 26,899.00 | 12,294.00 | -16,385.00 | 33,220.00 | 22,008.00 | 10,874.00 | -37,847.00 | 52,421.00 | 38,927.00 | 9,244.00 | -31,941.00 | 45,619.00 | 30,161.00 | 14,401.00 | -29,372.00 | 44,000.00 | 28,810.00 | 15,176.00 |
| EBIT | 119,515.00 | 77,354.00 | 37,097.00 | -39,493.00 | 113,598.00 | 74,946.00 | 37,376.00 | -34,882.00 | 116,518.00 | 78,502.00 | 24,768.00 | 72,351.00 | 69,895.00 | 44,469.00 | 20,938.00 | 76,160.00 | 64,997.00 | 42,831.00 | 22,336.00 |
| Deprecation and Amortization | 2,164.00 | 1,466.00 | 740.00 | -2,094.00 | 2,818.00 | 1,911.00 | 1,031.00 | -989.00 | 2,053.00 | 1,260.00 | 707.00 | -1,368.00 | 2,188.00 | 1,431.00 | 642.00 | -945.00 | 1,438.00 | 942.00 | 488.00 |
| EBITDA | 121,679.00 | 78,820.00 | 37,837.00 | -41,587.00 | 116,416.00 | 76,857.00 | 38,407.00 | -35,871.00 | 118,571.00 | 79,762.00 | 25,475.00 | 70,983.00 | 72,083.00 | 45,900.00 | 21,580.00 | 75,215.00 | 66,435.00 | 43,773.00 | 22,824.00 |
| 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 | 16,295.76 | 16,323.24 | 16,415.86 | 16,370.10 | 16,413.69 | 16,427.64 | 16,429.92 | 16,301.37 | 16,978.50 | 17,048.43 | 17,046.71 | 16,677.40 | 17,496.22 | 17,602.80 | 17,716.14 | 17,678.06 | 18,012.96 | 18,054.29 | 18,069.19 |
| Average Shares Outstanding Diluted | 16,990.55 | 16,973.87 | 17,065.60 | 17,194.14 | 17,056.96 | 16,935.40 | 16,938.86 | 16,892.83 | 17,440.90 | 17,438.36 | 17,560.76 | 17,370.45 | 18,104.03 | 18,212.44 | 18,392.40 | 18,388.21 | 18,516.49 | 18,553.05 | 18,511.12 |
| 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 | 65,057.00 | 40,841.00 | 26,095.00 | -23,383.00 | 55,209.00 | 37,337.00 | 19,160.00 | -16,758.00 | 51,979.00 | 25,725.00 | 25,375.00 | -120,786.00 | 118,945.00 | 89,447.00 | 70,616.00 | -15,194.00 | 77,701.00 | 69,206.00 | 8,148.00 |
| Operating Net Income | 43,217.00 | 26,899.00 | 12,294.00 | 83,049.00 | 33,220.00 | 22,008.00 | 10,874.00 | 87,643.00 | 52,421.00 | 38,927.00 | 9,244.00 | -37,214.00 | 136,857.00 | 90,483.00 | 42,834.00 | -29,454.00 | 132,000.00 | 86,430.00 | 45,480.00 |
| Deprecation and Amortization | 2,164.00 | 1,466.00 | 740.00 | -2,094.00 | 2,818.00 | 1,911.00 | 1,031.00 | -989.00 | 2,053.00 | 1,260.00 | 707.00 | -1,368.00 | 2,188.00 | 1,431.00 | 642.00 | -945.00 | 1,438.00 | 942.00 | 488.00 |
| Deferred Income Tax | -1,339.00 | -728.00 | 185.00 | 1,745.00 | -1,938.00 | -944.00 | 88.00 | 72.00 | 128.00 | -148.00 | 47.00 | -5,765.00 | 2,093.00 | 2,411.00 | 2,620.00 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 3,967.00 | 2,688.00 | 1,105.00 | 1,967.90 | 3,401.00 | 1,139.10 | 481.00 | 3,250.00 | 1,625.00 | 1,114.00 | 525.00 | 4,735.00 | 1,866.00 | 1,177.00 | 528.00 | 2,441.00 | 1,225.00 | 822.00 | 390.00 |
| Change in Working Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Operating Activities | 17,048.00 | 10,516.00 | 11,771.00 | -108,050.90 | 17,708.00 | 13,222.90 | 6,686.00 | -106,734.00 | -4,248.00 | -15,428.00 | 14,852.00 | -81,174.00 | -24,059.00 | -6,055.00 | 23,992.00 | 12,764.00 | -56,962.00 | -18,988.00 | -38,210.00 |
| Investing Cash Flow | 16,494.00 | -35,369.00 | -9,774.00 | 35,769.00 | 767.00 | -62,960.00 | 12,497.00 | 143,523.00 | -129,760.00 | -125,810.00 | -31,329.00 | 365,576.00 | -369,934.00 | -271,901.00 | -132,598.00 | 100,545.00 | -176,780.00 | -68,097.00 | -15,509.00 |
| 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 | 6,855.00 | 5,102.00 | 3,228.00 | -755.00 | 2,394.00 | 1,621.00 | 474.00 | -6,522.00 | 5,621.00 | 4,348.00 | 2,202.00 | -2,182.00 | 3,539.00 | 2,237.00 | 1,355.00 | 631.00 | 2,427.00 | 1,213.00 | 107.00 |
| Net Purchase/Sale of Investments Net | 54,601.00 | 28,907.00 | 10,661.00 | -1,217,007.00 | 628,612.00 | 619,907.00 | 611,212.00 | 324,017.00 | 84,758.00 | 73,246.00 | 10,811.00 | -354,580.00 | 237,485.00 | 225,031.00 | 150,030.00 | -183,593.00 | 156,526.00 | 128,544.00 | 80,396.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -35,500.00 | 36,080.00 | 35,500.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 46,287.00 | 270,196.00 | 311,459.00 | 218,458.00 | 84,991.00 | ||||||||||||||
| Other Investing Activities | -48,051.00 | -115,258.00 | -45,484.00 | 1,316,031.00 | -657,478.00 | -767,063.00 | -598,162.00 | 113,527.00 | -504,088.00 | -471,596.00 | -85,976.00 | 823,864.00 | -863,786.00 | -642,666.00 | -300,643.00 | 379,225.00 | -544,780.00 | -280,889.00 | -118,106.00 |
| Financing Cash Flow | 194,413.00 | 105,942.00 | 160,897.00 | -116,411.00 | 85,033.00 | -6,529.00 | 10,124.00 | -314,677.00 | 195,322.00 | 160,783.00 | 99,073.00 | -267,776.00 | 94,130.00 | 71,323.00 | 103,773.00 | -94,518.00 | 126,372.00 | 82,533.00 | 120,460.00 |
| Net Issuance/Repayment of Debt | 0 | 1,352.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -93,315.00 | 48,450.00 | 52,340.00 | 40,975.00 |
| Net Issuance/Repurchase of Equity | 8,977.00 | 8,761.00 | 8,485.00 | -375.00 | 1,340.00 | 340.00 | 35.00 | 3,355.00 | 11,860.00 | 2,548.00 | 0 | -8,452.00 | 18,926.00 | 9,208.00 | 3,017.00 | 681.00 | 6,082.00 | 1,678.00 | 786.00 |
| Dividends Paid | 7,502.00 | 4,904.00 | 2,469.00 | -4,092.00 | 6,702.00 | 4,417.00 | 2,127.00 | -4,491.00 | 6,609.00 | 4,419.00 | 2,208.00 | -3,800.00 | 5,973.00 | 3,889.00 | 1,950.00 | -1,470.00 | 3,784.00 | 2,167.00 | 904.00 |
| Other Financing Activities | 177,934.00 | 90,925.00 | 149,943.00 | -111,944.00 | 76,991.00 | -11,286.00 | 7,962.00 | -313,541.00 | 176,853.00 | 153,816.00 | 96,865.00 | -255,524.00 | 69,231.00 | 58,226.00 | 98,806.00 | -414.00 | 68,056.00 | 26,348.00 | 77,795.00 |
| Net Change in Cash | 275,964.00 | 111,414.00 | 177,218.00 | -104,025.00 | 141,009.00 | -32,152.00 | 41,781.00 | -187,912.00 | 117,541.00 | 60,698.00 | 93,119.00 | -22,986.00 | -156,859.00 | -111,131.00 | 41,791.00 | -9,167.00 | 27,293.00 | 83,642.00 | 113,099.00 |
| Cash at Beginning of Period | 359,082.00 | 359,082.00 | 359,082.00 | 463,107.00 | 330,158.00 | 330,158.00 | 330,158.00 | 518,070.00 | 234,883.00 | 234,883.00 | 234,883.00 | 257,869.00 | 486,821.00 | 486,821.00 | 486,821.00 | 495,988.00 | 300,307.00 | 300,307.00 | 300,307.00 |
| Cash at End of Period | 635,046.00 | 470,496.00 | 536,300.00 | 359,082.00 | 471,167.00 | 298,006.00 | 371,939.00 | 330,158.00 | 352,424.00 | 295,581.00 | 328,002.00 | 234,883.00 | 329,962.00 | 375,690.00 | 528,612.00 | 486,821.00 | 327,600.00 | 383,949.00 | 413,406.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |