SSB

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 14.19 12.99 11.48 11.85 32.86
Price to Sales 32.44 27.06 21.34 31.19 21.66
Book Value Per Common Share 223.31 218.35 201.11 207.82 195.20
Price to Book 0.45 0.39 0.38 0.39 0.37
Price to Operating Cash Flow 11.20 8.75 2.90 7.55 6.69
Price to Free Cash Flow
Enterprise Value to EBITDA 33386.56 50003.56 63414.65 65081.18 245089.84
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 18.21 30.68 105.48 18.98 23.59 56.31 13.21 18.96 38.73 16.66 25.80 58.28 14.30 23.56 37.93
Price to Sales 86.12 126.50 261.98 73.42 87.02 195.74 53.47 79.41 181.14 62.61 90.59 201.71 66.11 106.18 193.90
Book Value Per Common Share 175.15 169.76 166.26 223.31 154.57 148.04 145.37 218.35 68.81 69.61 69.19 201.11 65.03 66.64 68.30 207.82 68.55 67.60 66.42 195.20
Price to Book 0.56 0.54 0.56 0.45 0.63 0.52 0.58 0.39 0.98 0.95 1.03 0.38 1.22 1.16 1.19 0.39 1.09 1.21 1.18 0.37
Price to Operating Cash Flow 145.70 -174.04 -74.55 47.02 14.41 23.37 6.24 13.45 91.09 10.05 18.60 33.85 12.32 23.33 18.64
Price to Free Cash Flow
Enterprise Value to EBITDA 64833.08 99849.00 242946.75 68988.03 84353.95 195299.18 60953.10 93881.87 213212.52 117602.22 185372.05 428707.88 96577.19 157159.98 260727.64

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 7.85 -2.26 -1.63 207.27
Revenue YoY -1.39 -11.06 47.57 -1.09
EBITDA YoY 77.12 40.84 6.83 307.61
Net Profit YoY 8.19 -0.35 4.31 294.21
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 81.00 240.91 58.02 114.57 46.97 88.59 58.86 113.57 50.43 67.63
Revenue YoY 57.68 105.39 9.24 50.74 102.10 -31.93 52.14 110.86 -63.40 49.85 116.46 63.86 46.07 90.01
EBITDA YoY 64.79 141.29 118.06 55.64 108.13 57.72 110.08 61.73 118.34 47.64 71.12
Net Profit YoY 81.05 241.61 57.87 115.05 47.14 88.22 60.61 118.78 49.93 67.34

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 30.06 23.57 27.85 110.03 102.93
Quick Ratio
Current Ratio
Debt to Equity 3.33 3.44 3.68 3.74 3.42
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 40.55 44.93 42.98 30.05 27.89 26.06 26.10 23.58 28.73 31.45 36.81 27.42 44.87 73.95 94.13 111.71 102.89 103.59 94.83 79.41
Quick Ratio
Current Ratio
Debt to Equity 6.33 6.49 6.55 3.33 6.80 7.05 7.14 3.44 7.60 7.50 7.56 3.68 8.18 8.17 7.93 3.74 4.02 7.48 7.42 3.42
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 1.02 0.97 1.00 1.01 0.28
ROE 4.39 4.31 4.70 4.79 1.24
Gross Margin 93.17 51.93 69.32 8.59 -29.10
Operating Margin 963.56 532.55 331.43 450.93 102.36
EBITDA Margin 971.82 541.04 341.66 471.97 114.52
Net Profit Margin 228.54 208.31 185.93 263.02 65.99
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 0.83 0.46 0.14 0.85 0.54 0.25 0.86 0.59 0.31 0.78 0.48 0.22 0.82 0.61 0.37
ROE 6.11 3.46 1.03 6.62 4.38 2.07 7.41 4.98 2.67 7.16 4.35 1.94 4.10 5.16 3.11
Gross Margin 2.77 -46.43 -179.86 90.49 75.26 61.73 -8.77 -13.53 -10.82 62.97 82.68 70.77 -95.66 -114.58 -103.21
Operating Margin 1317.62 1260.16 1072.18 1049.57 1015.94 986.08 861.11 829.76 831.13 520.09 479.38 471.95 641.08 634.22 711.25
EBITDA Margin 1324.65 1267.52 1078.94 1063.99 1030.46 1000.61 876.96 845.96 849.08 543.06 503.17 498.82 677.42 670.22 744.23
Net Profit Margin 473.43 412.32 247.91 386.84 369.36 347.13 404.55 418.32 468.62 376.06 350.87 347.14 462.09 450.18 511.16

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 52,668,379.00 50,830,149.00 49,388,845.00 47,095,215.00 42,832,474.00
   Deposits 38,060,866.00 37,048,909.00 36,350,623.00 35,054,829.00 30,693,882.00
      Cash and Short-Term Investments 2,293,289.00 1,792,640.00 2,075,898.00 7,745,068.00 5,636,100.00
            Cash and Cash Equivalents 2,190,357.00 1,761,319.00 2,044,635.00 7,667,379.00 5,636,100.00
            Short-Term Investments 102,932.00 31,321.00 31,263.00 77,689.00 0
      Net Receivables 0 0 307,651,763.00 301,807.00 457,309.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 598,359.00 619,497.00 628,635.00 668,799.00 692,639.00
      Goodwill 1,923,106.00 1,923,106.00 1,923,106.00 1,619,185.00 1,563,942.00
      Intangible Assets 66,458.00 88,776.00 116,450.00 128,067.00 162,592.00
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 179,884.00 164,354.00 177,801.00 64,964.00 110,946.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 40,490,789.00 39,368,926.00 38,843,769.00 37,157,092.00 33,141,993.00
      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 0 100,000.00 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 12,177,590.00 11,461,223.00 10,545,076.00 9,938,123.00 9,690,481.00
   Shareholders Equity 17,043,832.00 16,599,294.00 15,224,781.00 14,408,820.00 13,854,000.00
      Capital Stock 190,805.00 190,055.00 189,261.00 173,331.00 177,434.00
      Share Premium 4,259,722.00 4,240,413.00 4,215,712.00 3,653,098.00 3,765,406.00
      Retained Earnings 2,057,009.00 1,685,166.00 1,347,042.00 1,042,457.00 702,251.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -606,921.00 -1,747,608.00 -2,031,264.00 -63,438.00 142,767.00
   Minority Interest 0 0 0 0 0
Investments 7,616,502.00 8,258,357.00 323,381,075.00 35,121,806.00 26,662,659.00
Debt 103,900.00 100,000.00 392,275.00 327,066.00 390,179.00
Common Shares Outstanding 76,322.21 76,022.04 75,704.56 69,332.30 70,973.48
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 234,000.00 237,300.00 266,800.00 180,800.00 182,800.00
Cost Of Revenue 15,975.00 114,082.00 81,855.00 165,273.00 235,989.00
Interest Income 2,141,362.00 1,944,406.00 1,397,025.00 1,084,847.00 910,029.00
Interest Expense 725,908.00 491,798.00 61,354.00 51,629.00 38,261.00
Net Interest 1,415,454.00 1,452,608.00 1,335,671.00 1,033,218.00 826,465.00
Non-Interest Income 302,262.00 286,906.00 309,247.00 354,209.00 311,140.00
Non-Interest Expense 1,001,493.00 994,580.00 929,701.00 948,421.00 797,644.00
Provisions for Credit Losses 15,975.00 114,082.00 81,855.00 -165,273.00 235,989.00
Gross Profit 218,025.00 123,218.00 184,945.00 15,527.00 -53,189.00
   Selling, General and Administrative Expenses 417,101.00 211,766.00 203,042.00 194,889.00 162,234.00
EBT 1,528,812.00 771,953.00 822,904.00 763,660.00 148,854.00
Income Tax 321,856.00 128,428.00 130,692.00 119,700.00 15,189.00
Net Income 534,783.00 494,308.00 496,049.00 475,543.00 120,632.00
EBIT 2,254,720.00 1,263,751.00 884,258.00 815,289.00 187,115.00
Deprecation and Amortization 19,343.00 20,136.00 27,303.00 38,025.00 22,231.00
EBITDA 2,274,063.00 1,283,887.00 911,561.00 853,314.00 209,346.00
EPS 0.01 0.01 0.01 0.01 0.00
Diluted EPS 0.01 0.01 0.01 0.01 0.00
Average Shares Outstanding Basic 76,303.00 76,051.00 74,551.00 70,393.00 54,756.00
Average Shares Outstanding Diluted 76,762.00 76,480.00 75,181.00 70,889.00 55,063.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 677,662.00 734,239.00 1,961,896.00 746,550.00 591,596.00
   Operating Net Income 534,783.00 494,308.00 496,049.00 475,543.00 120,632.00
   Deprecation and Amortization -19,343.00 -20,136.00 27,303.00 38,025.00 22,231.00
   Deferred Income Tax -10,852.00 1,950.00 123,540.00 67,850.00 -44,282.00
   Share Based Compensation 28,000.00 35,861.00 35,638.00 25,721.00 46,634.00
   Change in Working Capital -20,941.00 -136,176.00 365,221.00 -640,986.00 -219,816.00
   Other Operating Activities 166,015.00 358,432.00 914,145.00 780,397.00 666,197.00
Investing Cash Flow -886,179.00 -1,426,439.00 -4,808,830.00 -2,225,670.00 1,412,428.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 36,180.00 39,741.00 23,813.00 36,887.00 24,061.00
   Net Purchase/Sale of Investments Net 1,147,062.00 1,450,158.00 3,827,137.00 5,024,924.00 3,524,489.00
   Net Purchase/Sale of Business 0 0 301,681.00 39,929.00 2,586,026.00
   Net Loan & Lease Activity 16,826.00 15,782.00 19,173.00 13,800.00 11,776.00
   Other Investing Activities -2,086,247.00 -2,932,120.00 -8,980,634.00 -7,341,210.00 -4,733,924.00
Financing Cash Flow 596,574.00 399,446.00 -2,554,056.00 3,662,541.00 2,026,361.00
   Net Issuance/Repayment of Debt 8,125,927.00 11,933,368.00 -198,822.00 203,329.00 1,779,482.00
   Net Issuance/Repurchase of Equity 51,150.00 43,524.00 247,546.00 305,420.00 71,298.00
   Dividends Paid 162,894.00 156,184.00 146,664.00 135,337.00 98,256.00
   Other Financing Activities -7,743,397.00 -11,733,630.00 -2,749,444.00 3,018,455.00 77,325.00
Net Change in Cash 388,057.00 -292,754.00 -5,400,990.00 2,183,421.00 4,030,385.00
   Cash at Beginning of Period 1,004,010.00 1,291,631.00 6,713,553.00 4,659,726.00 578,870.00
   Cash at End of Period 1,392,067.00 998,877.00 1,312,563.00 6,843,147.00 4,609,255.00
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 66,048,210.00 65,893,322.00 65,135,454.00 52,668,379.00 46,082,647.00 45,493,970.00 45,144,838.00 50,830,149.00 44,989,128.00 44,940,332.00 44,923,827.00 49,388,845.00 45,178,609.00 46,207,422.00 46,201,541.00 47,095,215.00 45,103,708.00 40,379,669.00 39,730,332.00 42,832,474.00
   Deposits 54,073,269.00 53,696,961.00 53,337,615.00 38,060,866.00 37,638,195.00 37,098,402.00 37,178,434.00 37,048,909.00 36,935,198.00 36,741,878.00 36,401,592.00 36,350,623.00 37,666,021.00 38,875,851.00 38,775,830.00 35,054,829.00 33,560,558.00 66,488,038.00 32,441,410.00 30,693,882.00
      Cash and Short-Term Investments 4,110,678.00 4,558,514.00 4,358,140.00 2,293,289.00 2,127,608.00 1,987,664.00 1,991,724.00 1,792,640.00 2,184,802.00 2,389,497.00 2,793,597.00 2,075,898.00 3,328,941.00 5,432,944.00 6,725,026.00 7,745,068.00 7,268,116.00 7,348,424.00 6,733,514.00 5,636,100.00
            Cash and Cash Equivalents 4,003,159.00 4,463,208.00 4,250,739.00 2,190,357.00 2,040,505.00 1,895,503.00 1,925,536.00 1,761,319.00 2,070,648.00 2,332,917.00 2,777,558.00 2,044,635.00 3,277,001.00 5,344,856.00 6,650,792.00 7,667,379.00 7,268,116.00 7,348,424.00 6,733,514.00 5,636,100.00
            Short-Term Investments 107,519.00 95,306.00 107,401.00 102,932.00 87,103.00 92,161.00 66,188.00 31,321.00 114,154.00 56,580.00 16,039.00 31,263.00 51,940.00 88,088.00 74,234.00 77,689.00 0 0 0 0
      Net Receivables 278,300.00 247,900.00 271,100.00 0 222,200.00 0 0 0 0 0 315,283,751.00 307,651,763.00 280,785,630.00 319,708.00 300,396.00 301,807.00 314,144.00 350,401.00 406,460.00 457,309.00
      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 1,442,110.00 1,452,478.00 1,427,234.00 598,359.00 607,852.00 621,082.00 612,335.00 619,497.00 619,683.00 625,053.00 621,846.00 628,635.00 644,560.00 678,981.00 686,732.00 668,799.00 680,717.00 677,873.00 681,071.00 692,639.00
      Goodwill 4,294,059.00 4,294,059.00 4,288,059.00 1,923,106.00 1,923,106.00 1,923,106.00 1,923,106.00 1,923,106.00 1,923,106.00 1,923,106.00 1,923,106.00 1,923,106.00 1,922,525.00 1,922,525.00 1,924,024.00 1,619,185.00 2,181,585.00 2,181,585.00 2,180,158.00 1,563,942.00
      Intangible Assets 412,390.00 438,458.00 868,101.00 66,458.00 71,835.00 77,389.00 83,193.00 88,776.00 95,094.00 102,256.00 109,603.00 116,450.00 125,390.00 132,694.00 140,364.00 128,067.00 136,584.00 145,126.00 153,861.00 162,592.00
      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 136,906.00 168,161.00 153,930.00 179,884.00 122,384.00 162,951.00 170,818.00 164,354.00 150,422.00 164,426.00 165,161.00 177,801.00 198,647.00 157,944.00 136,078.00 64,964.00 19,684.00 36,714.00 105,087.00 110,946.00
      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 57,037,084.00 57,092,188.00 56,511,093.00 40,490,789.00 40,178,067.00 39,843,567.00 39,597,829.00 39,368,926.00 39,758,141.00 39,650,322.00 39,674,823.00 38,843,769.00 40,257,423.00 41,166,997.00 41,027,133.00 37,157,092.00 36,110,767.00 35,618,246.00 35,010,512.00 33,141,993.00
      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 0 300,000.00 300,000.00 0 100,000.00 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 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 9,011,126.00 8,801,134.00 8,624,361.00 12,177,590.00 5,904,580.00 5,650,403.00 5,547,009.00 11,461,223.00 5,230,987.00 5,290,010.00 5,249,004.00 10,545,076.00 4,921,186.00 5,040,425.00 5,174,408.00 9,938,123.00 8,992,941.00 4,761,423.00 4,719,820.00 9,690,481.00
   Shareholders Equity 17,706,240.00 17,230,159.00 16,872,055.00 17,043,832.00 11,788,668.00 11,280,314.00 11,073,526.00 16,599,294.00 5,230,987.00 5,290,010.00 5,249,004.00 15,224,781.00 4,921,186.00 5,040,425.00 5,174,408.00 14,408,820.00 4,792,941.00 4,757,623.00 4,719,820.00 13,854,000.00
      Capital Stock 252,723.00 253,745.00 253,698.00 190,805.00 190,674.00 190,489.00 190,443.00 190,055.00 190,043.00 189,990.00 189,649.00 189,261.00 189,191.00 189,103.00 189,403.00 173,331.00 174,795.00 175,957.00 177,651.00 177,434.00
      Share Premium 6,647,952.00 6,679,028.00 6,667,277.00 4,259,722.00 4,249,672.00 4,238,192.00 4,230,345.00 4,240,413.00 4,238,753.00 4,228,910.00 4,224,503.00 4,215,712.00 4,207,040.00 4,195,976.00 4,214,897.00 3,653,098.00 3,693,622.00 3,720,946.00 3,772,248.00 3,765,406.00
      Retained Earnings 2,426,463.00 2,240,470.00 2,080,053.00 2,057,009.00 1,943,874.00 1,841,933.00 1,749,215.00 1,685,166.00 1,618,080.00 1,533,508.00 1,448,636.00 1,347,042.00 1,241,413.00 1,146,230.00 1,064,064.00 1,042,457.00 925,044.00 836,584.00 770,952.00 702,251.00
      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 -316,012.00 -372,109.00 -376,667.00 -606,921.00 -1,438,920.00 -1,860,633.00 -1,868,982.00 -1,747,608.00 -2,447,667.00 -1,987,194.00 -1,841,352.00 -2,031,264.00 -2,149,374.00 -1,472,652.00 -881,868.00 -63,438.00 -1,560.00 72,408.00 -3,093.00 142,767.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 9,550,081.00 9,480,319.00 9,423,034.00 7,616,502.00 7,892,744.00 7,840,640.00 8,004,544.00 8,258,357.00 13,708,487.00 9,373,673.00 331,665,349.00 323,381,075.00 298,349,588.00 39,968,608.00 41,559,290.00 35,121,806.00 31,393,478.00 28,914,698.00 24,939,744.00 26,662,659.00
Debt 491,604.00 496,800.00 488,100.00 103,900.00 300,000.00 300,000.00 107,735.00 100,000.00 111,000.00 114,600.00 112,409.00 392,275.00 121,111.00 123,913.00 125,919.00 327,066.00 116,400.00 114,749.00 117,100.00 390,179.00
Common Shares Outstanding 101,089.23 101,498.00 101,479.07 76,322.21 76,269.58 76,195.72 76,177.16 76,022.04 76,017.37 75,995.98 75,859.66 75,704.56 75,676.45 75,641.32 75,761.02 69,332.30 69,918.04 70,382.73 71,060.45 70,973.48
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 116,374.00 73,802.00 35,933.00 32,895.00 100,973.00 66,987.00 33,145.00 48,691.00 95,790.00 62,960.00 29,859.00 81,590.00 93,748.00 62,560.00 28,902.00 17,638.00 79,789.00 54,625.00 28,748.00
Cost Of Revenue 113,152.00 108,067.00 100,562.00 -22,890.00 9,604.00 16,575.00 12,686.00 -94,678.00 104,189.00 71,480.00 33,091.00 27,856.00 34,713.00 10,837.00 8,449.00 -166,476.00 156,116.00 117,213.00 58,420.00
Interest Income 2,530,752.00 1,649,070.00 808,566.00 -1,016,829.00 1,592,557.00 1,048,379.00 517,255.00 -863,436.00 1,428,971.00 928,462.00 450,409.00 -440,495.00 970,933.00 596,123.00 270,464.00 -557,112.00 817,466.00 546,017.00 278,476.00
Interest Expense 808,560.00 526,575.00 264,019.00 -348,477.00 546,882.00 354,184.00 173,319.00 -93,398.00 330,594.00 185,456.00 69,146.00 -4,977.00 36,971.00 20,370.00 8,990.00 -38,090.00 42,352.00 30,889.00 16,478.00
Net Interest 1,722,192.00 1,122,495.00 544,547.00 -668,352.00 1,045,675.00 694,195.00 343,936.00 -770,038.00 1,098,377.00 743,006.00 381,263.00 -435,518.00 933,962.00 575,753.00 261,474.00 -519,022.00 775,114.00 515,128.00 261,998.00
Non-Interest Income 271,991.00 172,905.00 86,088.00 -137,796.00 221,717.00 146,783.00 71,558.00 -154,435.00 221,417.00 148,569.00 71,355.00 -202,785.00 251,560.00 174,382.00 86,090.00 -179,696.00 262,315.00 175,305.00 96,285.00
Non-Interest Expense 1,156,229.00 783,887.00 408,826.00 -490,718.00 744,884.00 498,037.00 249,290.00 -450,393.00 721,337.00 483,131.00 240,505.00 -458,870.00 700,202.00 459,769.00 228,600.00 -496,768.00 724,384.00 492,094.00 228,711.00
Provisions for Credit Losses 113,152.00 108,067.00 100,562.00 -22,890.00 9,604.00 16,575.00 12,686.00 -94,678.00 104,189.00 71,480.00 33,091.00 44,754.00 34,713.00 10,837.00 -8,449.00 166,476.00 -156,116.00 -117,213.00 -58,420.00
Gross Profit 3,222.00 -34,265.00 -64,629.00 55,785.00 91,369.00 50,412.00 20,459.00 143,369.00 -8,399.00 -8,520.00 -3,232.00 53,734.00 59,035.00 51,723.00 20,453.00 184,114.00 -76,327.00 -62,588.00 -29,672.00
   Selling, General and Administrative Expenses 464,136.00 308,166.00 148,546.00 95,551.00 161,789.00 107,192.00 52,569.00 -94,263.00 154,439.00 101,672.00 49,918.00 -98,096.00 151,947.00 100,457.00 48,734.00 -99,393.00 146,292.00 98,186.00 49,804.00
EBT 724,802.00 403,446.00 121,247.00 536,024.00 512,904.00 326,366.00 153,518.00 -238,301.00 494,268.00 336,964.00 179,022.00 -34,645.00 450,607.00 279,529.00 127,413.00 -209,045.00 469,161.00 315,552.00 187,992.00
Income Tax 292,571.00 143,141.00 119,477.00 82,155.00 122,299.00 78,940.00 38,462.00 -91,046.00 106,763.00 73,603.00 39,108.00 -54,470.00 98,053.00 60,025.00 27,084.00 -91,417.00 100,440.00 69,634.00 41,043.00
Net Income 550,945.00 304,304.00 89,080.00 -218,304.00 390,605.00 247,426.00 115,056.00 -296,508.00 387,517.00 263,373.00 139,926.00 -176,331.00 352,547.00 219,504.00 100,329.00 -286,012.00 368,697.00 245,909.00 146,949.00
EBIT 1,533,362.00 930,021.00 385,266.00 187,547.00 1,059,786.00 680,550.00 326,837.00 -331,699.00 824,862.00 522,420.00 248,168.00 -39,622.00 487,578.00 299,899.00 136,403.00 -247,135.00 511,513.00 346,441.00 204,470.00
Deprecation and Amortization 8,186.00 5,437.00 2,428.00 -9,753.00 14,559.00 9,721.00 4,816.00 -10,600.00 15,181.00 10,197.00 5,358.00 -16,876.00 21,528.00 14,884.00 7,767.00 -20,118.00 28,994.00 19,668.00 9,481.00
EBITDA 1,541,548.00 935,458.00 387,694.00 177,794.00 1,074,345.00 690,271.00 331,653.00 -342,299.00 840,043.00 532,617.00 253,526.00 -56,498.00 509,106.00 314,783.00 144,170.00 -267,253.00 540,507.00 366,109.00 213,951.00
EPS 0.01 0.00 0.00 -0.00 0.01 0.00 0.00 -0.00 0.01 0.00 0.00 -0.00 0.00 0.00 0.00 -0.00 0.01 0.00 0.00
Diluted EPS 0.01 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00
Average Shares Outstanding Basic 101,374.00 101,453.00 101,410.00 76,351.00 76,284.00 76,276.00 76,301.00 76,287.00 76,034.00 75,981.00 75,902.00 79,107.00 74,185.00 73,465.00 71,447.00 68,983.00 70,643.00 70,937.00 71,009.00
Average Shares Outstanding Diluted 101,807.00 101,836.00 101,829.00 77,067.00 76,691.00 76,630.00 76,660.00 76,691.00 76,446.00 76,394.00 76,389.00 79,718.00 74,791.00 74,104.00 72,111.00 69,519.00 71,108.00 71,445.00 71,484.00
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 68,791.00 -53,651.00 -126,260.00 -162,145.00 157,668.00 404,480.00 277,659.00 -517,874.00 821,076.00 371,656.00 59,381.00 900,768.00 584,198.00 304,741.00 172,189.00 -229,129.00 428,011.00 248,633.00 299,035.00
   Operating Net Income 550,945.00 304,304.00 89,080.00 -218,304.00 390,605.00 247,426.00 115,056.00 -296,508.00 387,517.00 263,373.00 139,926.00 -176,331.00 352,547.00 219,504.00 100,329.00 -286,012.00 368,697.00 245,909.00 146,949.00
   Deprecation and Amortization -8,186.00 -5,437.00 -2,428.00 -38,807.00 14,559.00 9,721.00 -4,816.00 -50,872.00 15,181.00 10,197.00 5,358.00 -16,876.00 21,528.00 14,884.00 7,767.00 -20,118.00 28,994.00 19,668.00 9,481.00
   Deferred Income Tax 102,708.00 83,833.00 95,115.00 -39,545.00 17,335.00 9,221.00 2,137.00 -93,847.00 72,680.00 19,990.00 3,127.00 -140,451.00 123,905.00 91,013.00 49,073.00 -141,856.00 106,696.00 81,973.00 21,037.00
   Share Based Compensation 28,444.00 18,909.00 8,254.00 -11,792.00 20,898.00 13,027.00 5,867.00 -23,174.00 28,484.00 19,129.00 11,422.00 -18,958.00 28,311.00 17,799.00 8,486.00 -12,365.00 19,195.00 12,799.00 6,092.00
   Change in Working Capital -940,121.00 -889,452.00 -666,233.00 -464,235.00 3,428.00 237,338.00 202,528.00 -578,633.00 500,601.00 -22,592.00 -35,552.00 -1,372,309.00 1,205,939.00 438,069.00 93,522.00 -128,024.00 -26,825.00 -335,920.00 -150,217.00
   Other Operating Activities 335,001.00 434,192.00 349,952.00 610,538.00 -289,157.00 -112,253.00 -43,113.00 525,160.00 -183,387.00 81,559.00 -64,900.00 2,625,693.00 -1,148,032.00 -476,528.00 -86,988.00 359,246.00 -68,746.00 224,204.00 265,693.00
Investing Cash Flow 1,080,171.00 1,354,625.00 1,865,176.00 363,832.00 -650,076.00 -493,980.00 -105,955.00 978,956.00 -1,226,035.00 -905,513.00 -273,847.00 3,232,702.00 -3,690,885.00 -2,857,735.00 -1,492,912.00 857,561.00 -1,420,623.00 -912,238.00 -750,370.00
   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 54,929.00 34,184.00 14,070.00 -7,469.00 22,764.00 15,362.00 5,523.00 -11,448.00 27,222.00 15,709.00 8,258.00 -8,789.00 17,553.00 9,613.00 5,436.00 -20,575.00 29,314.00 21,616.00 6,532.00
   Net Purchase/Sale of Investments Net 14,011,742.00 10,664,795.00 9,977,302.00 -662,983.00 938,544.00 584,573.00 286,928.00 -831,127.00 1,103,805.00 802,009.00 375,471.00 -5,635,315.00 3,628,712.00 3,151,933.00 2,681,807.00 -2,428,243.00 3,783,158.00 2,300,298.00 1,369,711.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 1,052,026.00 -250,115.00 -250,115.00 -250,115.00 -79,858.00 39,929.00 39,929.00 39,929.00
   Net Loan & Lease Activity 16,826.00 15,782.00 19,173.00 13,800.00 11,776.00
   Other Investing Activities -12,999,608.00 -9,352,054.00 -8,129,178.00 1,044,494.00 -1,623,533.00 -1,103,541.00 -403,667.00 1,829,826.00 -2,369,692.00 -1,731,089.00 -661,165.00 7,831,136.00 -7,102,416.00 -5,776,146.00 -3,933,208.00 3,393,521.00 -5,283,768.00 -3,281,025.00 -2,169,938.00
Financing Cash Flow 603,426.00 771,065.00 168,707.00 -356,301.00 706,210.00 207,789.00 38,876.00 -1,655,695.00 421,533.00 735,043.00 898,565.00 -2,569,419.00 -926,765.00 431,946.00 510,182.00 -3,294,218.00 2,681,680.00 2,458,862.00 1,816,217.00
   Net Issuance/Repayment of Debt 2,229,302.00 1,860,685.00 1,564,425.00 -7,141,934.00 7,849,137.00 4,953,218.00 2,465,506.00 -11,436,639.00 10,657,287.00 9,325,029.00 3,387,691.00 270,685.00 -260,437.00 -148,240.00 -60,830.00 -285,175.00 205,948.00 183,641.00 98,915.00
   Net Issuance/Repurchase of Equity 57,363.00 12,936.00 11,599.00 -4,867.00 22,346.00 17,342.00 16,329.00 19,936.00 10,157.00 8,842.00 4,589.00 -83,723.00 122,221.00 119,825.00 89,223.00 138,647.00 100,680.00 63,518.00 2,575.00
   Dividends Paid 171,291.00 110,643.00 55,834.00 -79,931.00 121,651.00 80,413.00 40,761.00 -75,535.00 116,479.00 76,907.00 38,333.00 -66,980.00 108,791.00 70,931.00 33,922.00 -65,991.00 101,104.00 66,776.00 33,448.00
   Other Financing Activities -1,854,530.00 -1,213,199.00 -1,463,151.00 6,870,431.00 -7,286,924.00 -4,843,184.00 -2,483,720.00 9,836,543.00 -10,362,390.00 -8,675,735.00 -2,532,048.00 -2,689,401.00 -897,340.00 389,430.00 447,867.00 -3,081,699.00 2,273,948.00 2,144,927.00 1,681,279.00
Net Change in Cash 1,752,388.00 2,072,039.00 1,907,623.00 -154,614.00 213,802.00 118,289.00 210,580.00 -1,194,613.00 16,574.00 201,186.00 684,099.00 1,564,051.00 -4,033,452.00 -2,121,048.00 -810,541.00 -2,665,786.00 1,689,068.00 1,795,257.00 1,364,882.00
   Cash at Beginning of Period 1,392,067.00 1,392,067.00 1,392,067.00 1,546,681.00 998,877.00 998,877.00 998,877.00 2,193,490.00 1,312,563.00 1,312,563.00 1,312,563.00 -251,488.00 6,843,147.00 6,843,147.00 6,843,147.00 9,508,933.00 4,609,255.00 4,609,255.00 4,609,255.00
   Cash at End of Period 3,144,455.00 3,464,106.00 3,299,690.00 1,392,067.00 1,212,679.00 1,117,166.00 1,209,457.00 998,877.00 1,329,137.00 1,513,749.00 1,996,662.00 1,312,563.00 2,809,695.00 4,722,099.00 6,032,606.00 6,843,147.00 6,298,323.00 6,404,512.00 5,974,137.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0