SRCE
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 10.89 | 10.92 | 10.97 | 10.55 | |
| Price to Sales | 53.54 | 57.06 | 56.72 | 52.22 | |
| Book Value Per Common Share | 45.36 | 40.20 | 35.00 | 36.59 | 34.74 |
| Price to Book | 1.29 | 1.37 | 1.52 | 1.36 | |
| Price to Operating Cash Flow | 7.38 | 7.20 | 7.47 | 7.45 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 35232.23 | 39224.92 | 54717.61 | 58051.83 |
| 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 | 12.99 | 20.55 | 39.35 | 14.64 | 20.01 | 44.05 | 10.88 | 16.44 | 34.52 | 12.90 | 19.91 | 42.05 | 13.16 | 20.29 | 43.25 |
| Price to Sales | 72.72 | 109.36 | 220.21 | 73.72 | 98.19 | 203.97 | 58.38 | 85.22 | 187.61 | 65.35 | 93.51 | 193.51 | 66.56 | 98.12 | 219.77 |
| Book Value Per Common Share | 50.43 | 48.83 | 47.32 | 45.09 | 42.63 | 41.29 | 37.45 | 37.31 | 36.83 | 33.45 | 34.64 | 34.95 | 36.27 | 35.72 | 35.20 |
| Price to Book | 1.22 | 1.27 | 1.26 | 1.33 | 1.26 | 1.27 | 1.12 | 1.12 | 1.17 | 1.38 | 1.31 | 1.32 | 1.30 | 1.30 | 1.35 |
| Price to Operating Cash Flow | 9.00 | 13.06 | 20.45 | 9.15 | 14.27 | 30.56 | 7.22 | 11.30 | 22.74 | 8.68 | 14.58 | 27.38 | 11.30 | 13.54 | 28.36 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA | 52758.63 | 81887.06 | 158167.50 | 53405.99 | 73019.47 | 153280.62 | 46486.93 | 73076.85 | 159960.35 | 85295.27 | 135447.61 | 293430.51 | 86782.90 | 136548.52 | 264131.80 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 6.56 | 3.93 | 2.98 | 48.27 | |
| Revenue YoY | 12.67 | 2.59 | -2.84 | 12.64 | |
| EBITDA YoY | 17.71 | 43.97 | 11.97 | 5.10 | |
| Net Profit YoY | 6.16 | 3.67 | 1.67 | 45.55 |
| 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 | 56.95 | 98.68 | 52.61 | 125.21 | 51.76 | 104.00 | 57.46 | 107.27 | 56.77 | 108.18 | |||||
| Revenue YoY | 48.99 | 109.00 | 48.80 | 112.63 | 46.50 | 113.88 | 45.81 | 102.93 | 49.27 | 117.97 | |||||
| EBITDA YoY | 53.78 | 100.43 | 52.76 | 114.88 | 57.74 | 112.70 | 61.82 | 112.43 | 59.32 | 88.21 | |||||
| Net Profit YoY | 56.52 | 99.46 | 52.74 | 124.91 | 51.82 | 104.21 | 57.73 | 107.02 | 55.69 | 107.54 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 5.10 | 5.27 | 4.97 | 20.98 | 9.52 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 3.32 | 3.66 | 4.08 | 3.72 | 3.50 |
| 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 | 8.74 | 6.08 | 9.08 | 6.92 | 11.00 | 3.31 | 4.50 | 4.56 | 3.81 | 4.76 | 11.40 | 16.85 | 25.36 | 18.61 | 13.27 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 5.77 | 5.95 | 5.98 | 6.06 | 6.53 | 6.57 | 7.21 | 7.19 | 7.24 | 7.59 | 7.32 | 7.22 | 6.96 | 6.79 | 6.75 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.29 | 1.25 | 1.28 | 1.29 | 0.97 |
| ROE | 5.57 | 5.83 | 6.48 | 6.08 | 4.37 |
| Gross Margin | 53.33 | 75.26 | 42.68 | 81.91 | -70.51 |
| Operating Margin | 1490.16 | 1430.36 | 1008.59 | 897.34 | 858.99 |
| EBITDA Margin | 1519.82 | 1454.76 | 1036.67 | 899.55 | 964.05 |
| Net Profit Margin | 496.55 | 526.98 | 521.53 | 498.42 | 385.70 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 1.27 | 0.81 | 0.41 | 1.14 | 0.73 | 0.33 | 1.11 | 0.74 | 0.37 | 1.09 | 0.70 | 0.34 | 1.13 | 0.75 | 0.37 |
| ROE | 8.63 | 5.64 | 2.88 | 8.01 | 5.53 | 2.53 | 9.13 | 6.09 | 3.03 | 9.34 | 5.82 | 2.78 | 8.97 | 5.83 | 2.87 |
| Gross Margin | -51.68 | -122.13 | -12.35 | 50.94 | 50.25 | -4.90 | 77.77 | 74.51 | 46.31 | 54.84 | 60.54 | 62.24 | 82.13 | 74.68 | 56.25 |
| Operating Margin | 1336.13 | 1293.56 | 1351.13 | 1359.41 | 1326.20 | 1311.33 | 1237.36 | 1147.87 | 1150.01 | 744.69 | 669.33 | 636.20 | 744.91 | 715.14 | 759.41 |
| EBITDA Margin | 1378.36 | 1335.39 | 1392.48 | 1380.41 | 1344.63 | 1330.54 | 1255.77 | 1166.26 | 1172.72 | 766.15 | 690.37 | 659.47 | 766.98 | 718.59 | 832.20 |
| Net Profit Margin | 564.32 | 537.17 | 562.86 | 508.67 | 495.57 | 468.51 | 542.31 | 523.29 | 548.05 | 511.12 | 472.49 | 463.14 | 509.23 | 488.22 | 512.77 |
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 | 10,287,102.00 | 9,987,350.00 | 9,445,413.00 | 9,216,602.00 | 8,388,202.00 |
| Deposits | 20,051,004.00 | 19,460,015.00 | 18,786,644.00 | 17,984,214.00 | 16,201,400.00 |
| Cash and Short-Term Investments | 124,826.00 | 129,668.00 | 122,797.00 | 525,187.00 | 243,047.00 |
| Cash and Cash Equivalents | 124,826.00 | 129,668.00 | 122,797.00 | 525,187.00 | 243,047.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 0 | 147,552.00 | 139,268.00 | 127,492.00 | 140,654.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 152,140.00 | 144,844.00 | 138,680.00 | 138,246.00 | 73,198.00 |
| Goodwill | 83,900.00 | 83,900.00 | 83,870.00 | 83,870.00 | 83,870.00 |
| Intangible Assets | 140.00 | 120.00 | 100.00 | 80.00 | 80.00 |
| 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 | 7,907,090.00 | 7,843,640.00 | 7,584,952.00 | 7,265,505.00 | 6,525,981.00 |
| 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 | 675,248.00 | 881,268.00 | 505,155.00 | 405,354.00 | 308,359.00 |
| 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 | 2,380,012.00 | 2,143,710.00 | 1,860,461.00 | 1,951,097.00 | 1,862,221.00 |
| Shareholders Equity | 1,111,068.00 | 989,568.00 | 864,068.00 | 916,255.00 | 886,845.00 |
| Capital Stock | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 890,937.00 | 789,842.00 | 694,862.00 | 603,787.00 | 514,176.00 |
| Treasury Shares | 129,175.00 | 130,489.00 | 119,642.00 | 114,209.00 | 82,240.00 |
| Accumulated Other Comprehensive Income | -87,232.00 | -106,323.00 | -147,690.00 | -9,861.00 | 18,371.00 |
| Minority Interest | 70,438.00 | 78,695.00 | 59,698.00 | 53,209.00 | 43,825.00 |
| Investments | 13,827,723.00 | 14,604,561.00 | 15,977,616.00 | 16,769,218.00 | 10,779,355.00 |
| Debt | 1,024,110.00 | 1,228,008.00 | 843,007.00 | 757,516.00 | 660,535.00 |
| Net Debt | 899,284.00 | 1,098,340.00 | 720,210.00 | 232,329.00 | 417,488.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 26,709.00 | 23,706.00 | 23,107.00 | 23,782.00 | 21,114.00 |
| Cost Of Revenue | 12,466.00 | 5,866.00 | 13,245.00 | 4,303.00 | 36,001.00 |
| Interest Income | 489,942.00 | 420,570.00 | 296,395.00 | 256,145.00 | 264,315.00 |
| Interest Expense | 183,200.00 | 138,260.00 | 30,347.00 | 18,134.00 | 37,211.00 |
| Net Interest | 300,817.00 | 278,647.00 | 263,469.00 | 236,638.00 | 225,820.00 |
| Non-Interest Income | 86,307.00 | 90,623.00 | 91,262.00 | 100,092.00 | 103,889.00 |
| Non-Interest Expense | 203,601.00 | 201,724.00 | 184,699.00 | 186,148.00 | 187,367.00 |
| Provisions for Credit Losses | 12,466.00 | 5,866.00 | 13,245.00 | -4,303.00 | 36,001.00 |
| Gross Profit | 14,243.00 | 17,840.00 | 9,862.00 | 19,479.00 | -14,887.00 |
| Selling, General and Administrative Expenses | 41,332.00 | 37,863.00 | 34,728.00 | 12,246.00 | 12,092.00 |
| EBT | 214,806.00 | 200,821.00 | 202,707.00 | 195,271.00 | 144,156.00 |
| Income Tax | 35,341.00 | 34,115.00 | 35,074.00 | 35,006.00 | 23,265.00 |
| Net Income Including Non-Controlling Interests | 132,628.00 | 124,920.00 | 120,486.00 | 118,511.00 | 81,413.00 |
| Net Income Non-Controlling Interests | -5.00 | 7.00 | 23.00 | 23.00 | 24.00 |
| Net Income | 132,623.00 | 124,927.00 | 120,509.00 | 118,534.00 | 81,437.00 |
| EBIT | 398,006.00 | 339,081.00 | 233,054.00 | 213,405.00 | 181,367.00 |
| Deprecation and Amortization | 7,922.00 | 5,785.00 | 6,489.00 | 527.00 | 22,182.00 |
| EBITDA | 405,928.00 | 344,866.00 | 239,543.00 | 213,932.00 | 203,549.00 |
| EPS | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 24,496.15 | 24,615.55 | 24,687.32 | 25,038.13 | 25,527.15 |
| Average Shares Outstanding Diluted | 24,496.15 | 24,615.55 | 24,687.32 | 25,038.13 | 25,527.15 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 193,853.00 | 187,936.00 | 175,530.00 | 166,761.00 | 154,493.00 |
| Operating Net Income | 394,844.00 | 372,534.00 | 361,432.00 | 355,128.00 | 244,573.00 |
| Deprecation and Amortization | 7,922.00 | 5,785.00 | 6,489.00 | 527.00 | 22,182.00 |
| Deferred Income Tax | 2,432.00 | -9,462.00 | -9,461.00 | 15,396.00 | -24,160.00 |
| Share Based Compensation | 5,797.00 | 5,043.00 | 3,707.00 | 4,316.00 | 3,387.00 |
| Change in Working Capital | 35,812.00 | 42,877.00 | 37,307.00 | -39,175.00 | -12,132.00 |
| Other Operating Activities | -252,954.00 | -228,841.00 | -223,944.00 | -169,431.00 | -79,357.00 |
| Investing Cash Flow | -276,605.00 | -358,286.00 | -784,872.00 | -598,559.00 | -582,658.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 12,980.00 | 6,122.00 | 2,429.00 | 3,015.00 | 2,873.00 |
| Net Purchase/Sale of Investments Net | 755,537.00 | 294,937.00 | 557,717.00 | 1,581,269.00 | 1,049,316.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 534,763.00 | 628,268.00 | 784,355.00 | -36,414.00 | 489,477.00 |
| Other Investing Activities | -1,579,885.00 | -1,287,613.00 | -2,129,373.00 | -2,146,429.00 | -2,124,324.00 |
| Financing Cash Flow | 77,910.00 | 177,221.00 | 206,952.00 | 713,938.00 | 587,847.00 |
| Net Issuance/Repayment of Debt | -48,647.00 | 105,075.00 | 45,602.00 | 67,011.00 | 21,561.00 |
| Net Issuance/Repurchase of Equity | 662.00 | 25,094.00 | 14,176.00 | 66,452.00 | 12,908.00 |
| Dividends Paid | 35,396.00 | 33,074.00 | 32,102.00 | 31,340.00 | 29,764.00 |
| Other Financing Activities | 90,499.00 | 13,978.00 | 115,072.00 | 549,135.00 | 523,614.00 |
| Net Change in Cash | -4,842.00 | 6,871.00 | -402,390.00 | 282,140.00 | 159,682.00 |
| Cash at Beginning of Period | 129,668.00 | 122,797.00 | 525,187.00 | 243,047.00 | 83,365.00 |
| Cash at End of Period | 124,826.00 | 129,668.00 | 122,797.00 | 525,187.00 | 243,047.00 |
| 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 | 9,188,406.00 | 9,218,218.00 | 9,090,748.00 | 10,287,102.00 | 8,913,605.00 | 9,028,887.00 | 8,823,751.00 | 9,987,350.00 | 8,675,056.00 | 8,539,488.00 | 8,449,284.00 | 9,445,413.00 | 8,219,942.00 | 8,116,569.00 | 8,106,704.00 | 9,216,602.00 | 8,054,401.00 | 7,792,077.00 | 7,585,470.00 | 8,388,202.00 |
| Deposits | 20,595,671.00 | 20,744,386.00 | 20,601,816.00 | 20,051,004.00 | 19,741,851.00 | 20,009,010.00 | 19,547,435.00 | 19,460,015.00 | 19,221,751.00 | 19,207,607.00 | 18,589,269.00 | 18,786,644.00 | 17,816,365.00 | 18,202,122.00 | 17,958,165.00 | 17,984,214.00 | 17,555,126.00 | 17,184,298.00 | 16,560,907.00 | 16,201,400.00 |
| Cash and Short-Term Investments | 214,258.00 | 149,108.00 | 222,819.00 | 124,826.00 | 169,361.00 | 269,243.00 | 80,914.00 | 129,668.00 | 111,135.00 | 112,675.00 | 94,037.00 | 122,797.00 | 117,604.00 | 281,763.00 | 416,892.00 | 525,187.00 | 637,282.00 | 469,447.00 | 335,954.00 | 243,047.00 |
| Cash and Cash Equivalents | 214,258.00 | 149,108.00 | 222,819.00 | 124,826.00 | 169,361.00 | 269,243.00 | 80,914.00 | 129,668.00 | 111,135.00 | 112,675.00 | 94,037.00 | 122,797.00 | 117,604.00 | 281,763.00 | 416,892.00 | 525,187.00 | 637,282.00 | 469,447.00 | 335,954.00 | 243,047.00 |
| 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 | 0 | 0 | 0 | 0 | 152,324.00 | 150,067.00 | 148,024.00 | 147,552.00 | 144,074.00 | 143,542.00 | 142,511.00 | 139,268.00 | 135,736.00 | 132,865.00 | 129,959.00 | 127,492.00 | 133,755.00 | 136,361.00 | 139,550.00 | 140,654.00 |
| 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 | 0 | 0 | 0 | 152,140.00 | 0 | 0 | 0 | 144,844.00 | 0 | 0 | 0 | 138,680.00 | 0 | 0 | 0 | 138,246.00 | 0 | 0 | 48,288.00 | 73,198.00 |
| Goodwill | 0 | 0 | 0 | 83,900.00 | 0 | 0 | 0 | 83,900.00 | 0 | 0 | 0 | 83,870.00 | 0 | 0 | 0 | 83,870.00 | 0 | 0 | 0 | 83,870.00 |
| Intangible Assets | 0 | 0 | 0 | 140.00 | 0 | 0 | 0 | 120.00 | 0 | 0 | 0 | 100.00 | 0 | 0 | 0 | 80.00 | 0 | 0 | 0 | 80.00 |
| 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 | 7,831,236.00 | 7,891,839.00 | 7,787,686.00 | 7,907,090.00 | 7,651,001.00 | 7,830,383.00 | 7,657,695.00 | 7,843,640.00 | 7,618,566.00 | 7,496,492.00 | 7,423,456.00 | 7,584,952.00 | 7,262,554.00 | 7,141,585.00 | 7,119,891.00 | 7,265,505.00 | 7,042,434.00 | 6,791,752.00 | 6,606,093.00 | 6,525,981.00 |
| 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 | 74,958.00 | 161,874.00 | 62,329.00 | 675,248.00 | 267,801.00 | 505,667.00 | 416,569.00 | 881,268.00 | 495,849.00 | 306,062.00 | 532,676.00 | 505,155.00 | 535,732.00 | 173,029.00 | 204,518.00 | 405,354.00 | 221,055.00 | 177,591.00 | 187,900.00 | 308,359.00 |
| 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 | 1,357,170.00 | 1,326,379.00 | 1,303,062.00 | 2,380,012.00 | 1,262,604.00 | 1,198,504.00 | 1,166,056.00 | 2,143,710.00 | 1,056,490.00 | 1,042,996.00 | 1,025,828.00 | 1,860,461.00 | 957,388.00 | 974,984.00 | 986,813.00 | 1,951,097.00 | 1,011,967.00 | 1,000,325.00 | 979,377.00 | 1,862,221.00 |
| Shareholders Equity | 1,236,472.00 | 1,198,589.00 | 1,161,459.00 | 1,111,068.00 | 1,104,253.00 | 1,043,515.00 | 1,009,886.00 | 989,568.00 | 924,250.00 | 921,020.00 | 909,159.00 | 864,068.00 | 826,059.00 | 856,251.00 | 864,850.00 | 916,255.00 | 911,333.00 | 901,226.00 | 891,295.00 | 886,845.00 |
| Capital Stock | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 | 436,538.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 983,615.00 | 950,363.00 | 921,717.00 | 890,937.00 | 868,075.00 | 841,790.00 | 812,413.00 | 789,842.00 | 769,603.00 | 744,442.00 | 719,495.00 | 694,862.00 | 671,541.00 | 646,600.00 | 624,503.00 | 603,787.00 | 583,631.00 | 558,795.00 | 535,737.00 | 514,176.00 |
| Treasury Shares | 137,818.00 | 131,551.00 | 128,912.00 | 129,175.00 | 129,134.00 | 129,248.00 | 129,790.00 | 130,489.00 | 130,579.00 | 120,410.00 | 119,409.00 | 119,642.00 | 119,743.00 | 119,876.00 | 115,654.00 | 114,209.00 | 111,253.00 | 101,711.00 | 88,223.00 | 82,240.00 |
| Accumulated Other Comprehensive Income | -45,863.00 | -56,761.00 | -67,884.00 | -87,232.00 | -71,226.00 | -105,565.00 | -109,275.00 | -106,323.00 | -151,312.00 | -139,550.00 | -127,465.00 | -147,690.00 | -162,277.00 | -107,011.00 | -80,537.00 | -9,861.00 | 2,417.00 | 7,604.00 | 7,243.00 | 18,371.00 |
| Minority Interest | 54,959.00 | 58,835.00 | 59,083.00 | 70,438.00 | 70,952.00 | 71,340.00 | 71,663.00 | 78,695.00 | 58,747.00 | 59,067.00 | 59,285.00 | 59,698.00 | 60,301.00 | 54,416.00 | 54,620.00 | 53,209.00 | 45,064.00 | 44,231.00 | 44,464.00 | 43,825.00 |
| Investments | 13,457,029.00 | 13,106,384.00 | 13,517,851.00 | 13,827,723.00 | 14,072,207.00 | 13,712,969.00 | 14,250,240.00 | 14,604,561.00 | 14,451,316.00 | 14,956,894.00 | 15,425,641.00 | 15,977,616.00 | 16,215,144.00 | 16,532,016.00 | 16,721,408.00 | 16,769,218.00 | 14,250,989.00 | 12,719,119.00 | 11,623,967.00 | 10,779,355.00 |
| Debt | 369,388.00 | 456,328.00 | 352,433.00 | 1,024,110.00 | 562,679.00 | 795,491.00 | 703,849.00 | 1,228,008.00 | 773,919.00 | 583,008.00 | 815,562.00 | 843,007.00 | 808,812.00 | 449,561.00 | 497,510.00 | 757,516.00 | 514,421.00 | 470,951.00 | 481,196.00 | 660,535.00 |
| Net Debt | 155,130.00 | 307,220.00 | 129,614.00 | 899,284.00 | 393,318.00 | 526,248.00 | 622,935.00 | 1,098,340.00 | 662,784.00 | 470,333.00 | 721,525.00 | 720,210.00 | 691,208.00 | 167,798.00 | 80,618.00 | 232,329.00 | 0 | 1,504.00 | 145,242.00 | 417,488.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 20,757.00 | 13,932.00 | 6,666.00 | -12,838.00 | 19,892.00 | 13,368.00 | 6,287.00 | -11,913.00 | 17,794.00 | 12,146.00 | 5,679.00 | -12,307.00 | 17,499.00 | 12,001.00 | 5,914.00 | -11,479.00 | 17,833.00 | 11,947.00 | 5,481.00 |
| Cost Of Revenue | 31,485.00 | 30,947.00 | 7,489.00 | -10,539.00 | 9,759.00 | 6,651.00 | 6,595.00 | -4,234.00 | 3,955.00 | 3,096.00 | 3,049.00 | -1,627.00 | 7,903.00 | 4,736.00 | 2,233.00 | -4,306.00 | 3,186.00 | 3,025.00 | 2,398.00 |
| Interest Income | 385,351.00 | 252,921.00 | 124,618.00 | -233,298.00 | 365,367.00 | 240,478.00 | 117,395.00 | -175,982.00 | 304,834.00 | 196,625.00 | 95,093.00 | -106,134.00 | 208,508.00 | 131,609.00 | 62,412.00 | -122,792.00 | 191,734.00 | 124,645.00 | 62,558.00 |
| Interest Expense | 126,528.00 | 84,390.00 | 42,366.00 | -92,441.00 | 139,416.00 | 91,672.00 | 44,553.00 | -38,579.00 | 95,019.00 | 56,929.00 | 24,891.00 | 6,376.00 | 14,542.00 | 6,998.00 | 2,431.00 | -10,681.00 | 14,220.00 | 9,715.00 | 4,880.00 |
| Net Interest | 254,880.00 | 166,130.00 | 80,938.00 | -138,514.00 | 221,451.00 | 145,965.00 | 71,915.00 | -136,316.00 | 207,317.00 | 138,081.00 | 69,565.00 | -111,243.00 | 192,014.00 | 123,080.00 | 59,618.00 | -111,692.00 | 176,571.00 | 114,347.00 | 57,412.00 |
| Non-Interest Income | 68,066.00 | 46,160.00 | 23,103.00 | -49,051.00 | 67,825.00 | 45,377.00 | 22,156.00 | -49,339.00 | 70,547.00 | 46,092.00 | 23,323.00 | -45,840.00 | 67,982.00 | 45,975.00 | 23,145.00 | -52,808.00 | 76,264.00 | 50,767.00 | 25,869.00 |
| Non-Interest Expense | 160,282.00 | 105,506.00 | 53,076.00 | -93,582.00 | 148,520.00 | 99,077.00 | 49,586.00 | -95,035.00 | 148,752.00 | 98,586.00 | 49,421.00 | -87,950.00 | 136,322.00 | 90,991.00 | 45,336.00 | -84,732.00 | 137,402.00 | 89,338.00 | 44,140.00 |
| Provisions for Credit Losses | 31,485.00 | 30,947.00 | 7,489.00 | 35,471.00 | -9,759.00 | -6,651.00 | -6,595.00 | 15,966.00 | -3,955.00 | -3,096.00 | -3,049.00 | 28,117.00 | -7,903.00 | -4,736.00 | -2,233.00 | -6,862.00 | 3,186.00 | -3,025.00 | 2,398.00 |
| Gross Profit | -10,728.00 | -17,015.00 | -823.00 | -2,299.00 | 10,133.00 | 6,717.00 | -308.00 | -7,679.00 | 13,839.00 | 9,050.00 | 2,630.00 | -10,680.00 | 9,596.00 | 7,265.00 | 3,681.00 | -7,173.00 | 14,647.00 | 8,922.00 | 3,083.00 |
| Selling, General and Administrative Expenses | 31,623.00 | 20,960.00 | 10,515.00 | -16,409.00 | 29,129.00 | 19,116.00 | 9,496.00 | -15,518.00 | 26,879.00 | 17,723.00 | 8,779.00 | -13,565.00 | 24,329.00 | 15,945.00 | 8,019.00 | -3,619.00 | 7,900.00 | 5,246.00 | 2,719.00 |
| EBT | 150,813.00 | 95,829.00 | 47,700.00 | -39,695.00 | 130,997.00 | 85,614.00 | 37,890.00 | -47,245.00 | 125,157.00 | 82,491.00 | 40,418.00 | -21,586.00 | 115,771.00 | 73,328.00 | 35,194.00 | -35,814.00 | 118,619.00 | 75,723.00 | 36,743.00 |
| Income Tax | 32,993.00 | 20,740.00 | 10,177.00 | -22,250.00 | 29,816.00 | 19,347.00 | 8,428.00 | -22,695.00 | 28,630.00 | 18,903.00 | 9,277.00 | -15,611.00 | 26,295.00 | 16,597.00 | 7,793.00 | -19,162.00 | 27,633.00 | 17,898.00 | 8,637.00 |
| Net Income Including Non-Controlling Interests | 117,142.00 | 74,829.00 | 37,517.00 | -64,238.00 | 101,189.00 | 66,229.00 | 29,448.00 | -66,216.00 | 96,479.00 | 63,540.00 | 31,117.00 | -52,976.00 | 89,406.00 | 56,677.00 | 27,379.00 | -58,708.00 | 90,800.00 | 58,315.00 | 28,104.00 |
| Net Income Non-Controlling Interests | -7.00 | 10.00 | 3.00 | -27.00 | -4.00 | 19.00 | 7.00 | -38.00 | 19.00 | 19.00 | 7.00 | -50.00 | 35.00 | 27.00 | 11.00 | -2.00 | 11.00 | 13.00 | 1.00 |
| Net Income | 117,135.00 | 74,839.00 | 37,520.00 | -64,265.00 | 101,185.00 | 66,248.00 | 29,455.00 | -66,254.00 | 96,498.00 | 63,559.00 | 31,124.00 | -53,026.00 | 89,441.00 | 56,704.00 | 27,390.00 | -58,710.00 | 90,811.00 | 58,328.00 | 28,105.00 |
| EBIT | 277,341.00 | 180,219.00 | 90,066.00 | -132,136.00 | 270,413.00 | 177,286.00 | 82,443.00 | -85,824.00 | 220,176.00 | 139,420.00 | 65,309.00 | -15,210.00 | 130,313.00 | 80,326.00 | 37,625.00 | -46,495.00 | 132,839.00 | 85,438.00 | 41,623.00 |
| Deprecation and Amortization | 8,765.00 | 5,828.00 | 2,757.00 | 72.00 | 4,178.00 | 2,464.00 | 1,208.00 | -1,015.00 | 3,276.00 | 2,234.00 | 1,290.00 | -1,168.00 | 3,756.00 | 2,525.00 | 1,376.00 | -7,811.00 | 3,936.00 | 412.00 | 3,990.00 |
| EBITDA | 286,106.00 | 186,047.00 | 92,823.00 | -132,064.00 | 274,591.00 | 179,750.00 | 83,651.00 | -86,839.00 | 223,452.00 | 141,654.00 | 66,599.00 | -16,378.00 | 134,069.00 | 82,851.00 | 39,001.00 | -54,306.00 | 136,775.00 | 85,850.00 | 45,613.00 |
| 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 | 24,519.83 | 24,544.12 | 24,546.82 | 24,558.55 | 24,489.67 | 24,477.29 | 24,459.09 | 24,410.42 | 24,677.91 | 24,686.76 | 24,687.09 | 24,590.78 | 24,697.11 | 24,717.62 | 24,743.79 | 24,473.09 | 25,126.70 | 25,231.79 | 25,320.93 |
| Average Shares Outstanding Diluted | 24,519.83 | 24,544.12 | 24,546.82 | 24,558.55 | 24,489.67 | 24,477.29 | 24,459.09 | 24,410.42 | 24,677.91 | 24,686.76 | 24,687.09 | 24,590.78 | 24,697.11 | 24,717.62 | 24,743.79 | 24,473.09 | 25,126.70 | 25,231.79 | 25,320.93 |
| 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 | 167,692.00 | 116,645.00 | 71,793.00 | -100,361.00 | 160,308.00 | 91,946.00 | 41,960.00 | -94,330.00 | 143,786.00 | 91,627.00 | 46,853.00 | -74,969.00 | 131,743.00 | 76,953.00 | 41,803.00 | -67,358.00 | 105,074.00 | 86,556.00 | 42,489.00 |
| Operating Net Income | 351,391.00 | 224,537.00 | 112,566.00 | -195,864.00 | 303,547.00 | 198,782.00 | 88,379.00 | -201,099.00 | 289,532.00 | 190,715.00 | 93,386.00 | -159,319.00 | 268,393.00 | 170,166.00 | 82,192.00 | -176,654.00 | 272,455.00 | 175,010.00 | 84,317.00 |
| Deprecation and Amortization | 8,765.00 | 5,828.00 | 2,757.00 | 72.00 | 4,178.00 | 2,464.00 | 1,208.00 | -1,015.00 | 3,276.00 | 2,234.00 | 1,290.00 | -1,168.00 | 3,756.00 | 2,525.00 | 1,376.00 | -7,811.00 | 3,936.00 | 412.00 | 3,990.00 |
| Deferred Income Tax | -7,868.00 | -9,496.00 | -642.00 | -508.00 | 360.00 | 201.00 | 2,379.00 | 1,244.00 | -5,613.00 | -4,100.00 | -993.00 | -854.00 | -5,428.00 | -3,259.00 | 80.00 | -8,486.00 | 13,087.00 | 8,343.00 | 2,452.00 |
| Share Based Compensation | 4,192.00 | 2,755.00 | 1,389.00 | -1,984.00 | 3,946.00 | 2,525.00 | 1,310.00 | -1,726.00 | 3,408.00 | 2,240.00 | 1,121.00 | -1,154.00 | 2,510.00 | 1,619.00 | 732.00 | -1,257.00 | 2,962.00 | 1,726.00 | 885.00 |
| Change in Working Capital | 22,641.00 | 16,944.00 | 22,936.00 | -18,977.00 | 37,292.00 | 12,624.00 | 4,873.00 | -33,660.00 | 39,830.00 | 19,207.00 | 17,500.00 | 41,704.00 | 339.00 | 13,182.00 | -17,918.00 | -14,269.00 | -26,122.00 | -11,646.00 | 12,862.00 |
| Other Operating Activities | -211,429.00 | -123,923.00 | -67,213.00 | 116,900.00 | -189,015.00 | -124,650.00 | -56,189.00 | 141,926.00 | -186,647.00 | -118,669.00 | -65,451.00 | 45,822.00 | -137,827.00 | -107,280.00 | -24,659.00 | 141,119.00 | -161,244.00 | -87,289.00 | -62,017.00 |
| Investing Cash Flow | -39,814.00 | -140,269.00 | 39,296.00 | -176,632.00 | -20,742.00 | -55,541.00 | -23,690.00 | -23,969.00 | -210,008.00 | -100,040.00 | -24,269.00 | 231,319.00 | -574,696.00 | -309,372.00 | -132,123.00 | 90,625.00 | -296,898.00 | -243,048.00 | -149,238.00 |
| 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 | 8,246.00 | 4,348.00 | 2,512.00 | 1,872.00 | 6,352.00 | 4,168.00 | 588.00 | 1,467.00 | 2,617.00 | 1,628.00 | 410.00 | 445.00 | 1,287.00 | 570.00 | 127.00 | 241.00 | 1,514.00 | 975.00 | 285.00 |
| Net Purchase/Sale of Investments Net | 645,977.00 | 278,612.00 | 119,184.00 | 140,689.00 | 378,238.00 | 159,962.00 | 76,648.00 | -94,802.00 | 168,146.00 | 128,324.00 | 93,269.00 | -421,564.00 | 466,844.00 | 309,202.00 | 203,235.00 | -689,567.00 | 1,123,984.00 | 797,203.00 | 349,649.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 534,763.00 | 628,268.00 | 784,355.00 | -36,414.00 | 489,477.00 | ||||||||||||||
| Other Investing Activities | -911,870.00 | -742,929.00 | -135,520.00 | -269,193.00 | -653,306.00 | -465,415.00 | -191,971.00 | 273,116.00 | -808,704.00 | -499,164.00 | -252,861.00 | 672,084.00 | -1,543,534.00 | -856,369.00 | -401,554.00 | 827,944.00 | -1,350,201.00 | -1,075,745.00 | -548,427.00 |
| Financing Cash Flow | -38,446.00 | 47,906.00 | -13,096.00 | 141,637.00 | -99,873.00 | 103,170.00 | -67,024.00 | 175,714.00 | 54,560.00 | -1,709.00 | -51,344.00 | 200,562.00 | 35,370.00 | -11,005.00 | -17,975.00 | -454,669.00 | 586,059.00 | 382,892.00 | 199,656.00 |
| Net Issuance/Repayment of Debt | -173,287.00 | -137,225.00 | -186,294.00 | 149,560.00 | -134,090.00 | -12,602.00 | -51,515.00 | -20,316.00 | 59,946.00 | -24,789.00 | 90,234.00 | -111,370.00 | 164,175.00 | -8,774.00 | 1,571.00 | -57,869.00 | 68,312.00 | 24,573.00 | 31,995.00 |
| Net Issuance/Repurchase of Equity | 9,808.00 | 3,428.00 | 455.00 | 356.00 | 153.00 | 153.00 | 0 | 9,527.00 | 12,547.00 | 2,254.00 | 766.00 | -2,175.00 | 7,088.00 | 7,088.00 | 2,175.00 | 9,186.00 | 30,157.00 | 20,488.00 | 6,621.00 |
| Dividends Paid | 28,340.00 | 18,743.00 | 9,110.00 | -16,682.00 | 26,296.00 | 17,190.00 | 8,592.00 | -15,860.00 | 24,484.00 | 16,313.00 | 8,137.00 | -15,610.00 | 23,964.00 | 15,830.00 | 7,918.00 | -15,073.00 | 23,405.00 | 15,408.00 | 7,600.00 |
| Other Financing Activities | 96,693.00 | 162,960.00 | 163,633.00 | 8,403.00 | 7,768.00 | 98,429.00 | -24,101.00 | 202,363.00 | -42,417.00 | 4,513.00 | -150,481.00 | 329,717.00 | -159,857.00 | -25,149.00 | -29,639.00 | -390,913.00 | 464,185.00 | 322,423.00 | 153,440.00 |
| Net Change in Cash | 89,432.00 | 24,282.00 | 97,993.00 | -135,356.00 | 39,693.00 | 139,575.00 | -48,754.00 | 57,415.00 | -11,662.00 | -10,122.00 | -28,760.00 | 356,912.00 | -407,583.00 | -243,424.00 | -108,295.00 | -431,402.00 | 394,235.00 | 226,400.00 | 92,907.00 |
| Cash at Beginning of Period | 124,826.00 | 124,826.00 | 124,826.00 | 260,182.00 | 129,668.00 | 129,668.00 | 129,668.00 | 72,253.00 | 122,797.00 | 122,797.00 | 122,797.00 | -234,115.00 | 525,187.00 | 525,187.00 | 525,187.00 | 956,589.00 | 243,047.00 | 243,047.00 | 243,047.00 |
| Cash at End of Period | 214,258.00 | 149,108.00 | 222,819.00 | 124,826.00 | 169,361.00 | 269,243.00 | 80,914.00 | 129,668.00 | 111,135.00 | 112,675.00 | 94,037.00 | 122,797.00 | 117,604.00 | 281,763.00 | 416,892.00 | 525,187.00 | 637,282.00 | 469,447.00 | 335,954.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |