SYBT
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 18.31 | 13.95 | 20.06 | 21.29 | 15.51 |
| Price to Sales | 48.95 | 37.79 | 51.59 | 57.60 | 39.02 |
| Book Value Per Common Share | 57.72 | 52.19 | 44.08 | 362.37 | 58.65 |
| Price to Book | 1.24 | 0.99 | 1.47 | 0.18 | 0.69 |
| Price to Operating Cash Flow | 11.68 | 10.64 | 12.22 | 9.88 | 9.67 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 67209.47 | 58250.28 | 119262.19 |
| 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 | 19.83 | 34.49 | 61.12 | 21.90 | 27.14 | 54.96 | 13.69 | 23.39 | 55.14 | 30.64 | 48.63 | 182.41 | 28.61 | 44.64 | 51.06 | |||||
| Price to Sales | 64.55 | 109.72 | 190.35 | 55.85 | 67.40 | 132.84 | 38.64 | 67.34 | 168.88 | 72.11 | 95.06 | 170.10 | 70.61 | 91.20 | 184.87 | |||||
| Book Value Per Common Share | 68.35 | 65.69 | 63.49 | 57.72 | 60.95 | 57.65 | 56.28 | 52.19 | 18.79 | 20.23 | 20.20 | 44.08 | 16.14 | 19.58 | 22.00 | 362.37 | 49.82 | 49.04 | 38.78 | 58.65 |
| Price to Book | 1.02 | 1.20 | 1.09 | 1.24 | 1.02 | 0.86 | 0.87 | 0.99 | 2.09 | 2.24 | 2.73 | 1.47 | 4.21 | 3.06 | 2.40 | 0.18 | 1.18 | 1.04 | 1.32 | 0.69 |
| Price to Operating Cash Flow | 18.04 | 30.62 | 102.45 | 14.64 | 21.21 | 82.15 | 15.02 | 30.19 | 164.79 | 27.26 | 77.50 | 409.13 | 22.63 | 25.34 | 42.41 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 79454.12 | 137946.48 | 243736.62 | 78883.61 | 97344.00 | 197279.57 | 60937.40 | 108984.32 | 271936.64 | 188472.17 | 305695.10 | 1054930.27 | 205434.54 | 327410.56 | 362033.52 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 5.96 | 13.89 | 8.00 | 14.94 | |
| Revenue YoY | 7.64 | 10.22 | 30.78 | 17.97 | |
| EBITDA YoY | 20.96 | 62.62 | 41.41 | -34.20 | |
| Net Profit YoY | 6.30 | 15.89 | 24.55 | 26.80 |
| 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 | 54.15 | 102.65 | 54.64 | 105.62 | 47.94 | 94.00 | 80.49 | 324.14 | 79.82 | 14.00 | ||||||||||
| Revenue YoY | 50.66 | 98.46 | 50.69 | 100.22 | 50.98 | 106.50 | 51.60 | 109.45 | 54.39 | 109.76 | ||||||||||
| EBITDA YoY | 53.85 | 102.10 | 54.15 | 105.77 | 54.87 | 105.31 | 84.41 | 290.57 | 83.66 | 28.62 | ||||||||||
| Net Profit YoY | 53.85 | 102.26 | 54.89 | 106.61 | 47.77 | 95.24 | 82.00 | 338.91 | 86.12 | 18.42 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 49.77 | 45.72 | 29.49 | 193.17 | 70.68 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.74 | 0.74 | 0.74 | 0.34 | 0.60 |
| 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 | 128.80 | 76.89 | 68.78 | 49.53 | 43.22 | 34.91 | 27.39 | 45.54 | 33.05 | 36.70 | 54.32 | 28.90 | 57.86 | 101.80 | 138.03 | 180.83 | 120.06 | 114.99 | 73.60 | 70.28 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 7.94 | 8.16 | 8.22 | 0.74 | 8.03 | 8.30 | 8.29 | 0.74 | 8.79 | 8.57 | 8.65 | 0.74 | 9.34 | 9.11 | 9.22 | 0.34 | 8.32 | 0.68 | 0.67 | 0.60 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.61 | 0.63 | 0.59 | 0.32 | 0.53 |
| ROE | 1.06 | 1.09 | 1.03 | 0.43 | 0.85 |
| Gross Margin | 79.46 | 68.67 | 73.19 | 96.11 | 98.09 |
| Operating Margin | 700.71 | 596.18 | 384.24 | 367.21 | 690.33 |
| EBITDA Margin | 731.88 | 651.30 | 441.45 | 408.24 | 731.95 |
| Net Profit Margin | 267.35 | 270.71 | 257.46 | 270.33 | 251.51 |
| 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 | 1.11 | 0.73 | 0.37 | 0.98 | 0.64 | 0.32 | 1.06 | 0.73 | 0.38 | 0.84 | 0.46 | 0.10 | 0.81 | 0.20 | 0.21 | |||||
| ROE | 9.94 | 6.69 | 3.41 | 8.87 | 5.98 | 2.96 | 10.39 | 7.02 | 3.66 | 8.64 | 4.63 | 1.04 | 7.54 | 0.33 | 0.35 | |||||
| Gross Margin | 94.62 | 94.64 | 91.55 | 79.77 | 89.57 | 89.09 | 77.44 | 77.63 | 76.38 | 77.38 | 88.84 | 94.32 | 96.74 | 96.75 | 95.97 | |||||
| Operating Margin | 803.07 | 788.96 | 772.38 | 679.21 | 662.99 | 644.60 | 584.76 | 565.99 | 562.35 | 333.89 | 266.01 | 125.29 | 335.87 | 277.96 | 477.98 | |||||
| EBITDA Margin | 815.43 | 798.53 | 784.16 | 711.24 | 695.28 | 676.52 | 636.46 | 620.47 | 624.06 | 392.38 | 322.56 | 172.97 | 375.03 | 315.26 | 514.16 | |||||
| Net Profit Margin | 325.24 | 318.48 | 312.49 | 254.93 | 248.01 | 240.34 | 282.14 | 288.27 | 304.90 | 234.86 | 195.63 | 93.35 | 247.39 | 205.20 | 363.48 |
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 | 18,694,696.00 | 17,225,572.00 | 15,779,808.00 | 23,278,357.00 | 11,116,349.00 |
| Deposits | 18,701,216.00 | 17,987,368.00 | 18,633,098.00 | 24,952,290.00 | 12,517,439.00 |
| Cash and Short-Term Investments | 1,457,581.00 | 1,335,606.00 | 845,518.00 | 4,809,449.00 | 1,594,831.00 |
| Cash and Cash Equivalents | 1,457,581.00 | 1,335,606.00 | 845,518.00 | 4,809,449.00 | 1,594,831.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 62,482,892.00 | 55,159,046.00 | 49,813,682.00 | 54,980.00 | 52,376.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 142,431.00 | 101,174.00 | 101,612.00 | 95,894.00 | 70,115.00 |
| Goodwill | 776,148.00 | 776,148.00 | 776,148.00 | 543,025.00 | 37,013.00 |
| Intangible Assets | 15,818.00 | 20,304.00 | 24,990.00 | 5,596.00 | 1,962.00 |
| 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 | 7,922,943.00 | 7,311,999.00 | 6,735,829.00 | 5,970,156.00 | 4,167,928.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 10,771,753.00 | 9,913,573.00 | 9,043,979.00 | 17,308,201.00 | 6,948,421.00 |
| Shareholders Equity | 1,698,650.00 | 1,530,610.00 | 1,289,792.00 | 9,637,667.00 | 1,330,844.00 |
| Capital Stock | 58,939.00 | 58,602.00 | 58,367.00 | 49,501.00 | 36,500.00 |
| Share Premium | 395,081.00 | 385,955.00 | 377,703.00 | 243,107.00 | 41,886.00 |
| Retained Earnings | 577,607.00 | 506,344.00 | 439,898.00 | 391,201.00 | 353,574.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -91,151.00 | -92,798.00 | -115,536.00 | -7,940.00 | 8,741.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 62,374,256.00 | 56,146,810.00 | 52,132,579.00 | 7,081,788.00 | 3,521,868.00 |
| Debt | 53,806.00 | 53,740.00 | 52,343.00 | 0 | 0 |
| Common Shares Outstanding | 29,431.00 | 29,329.00 | 29,259.00 | 26,596.00 | 22,692.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 42,843.00 | 39,802.00 | 36,111.00 | 27,613.00 | 23,406.00 |
| Cost Of Revenue | 8,800.00 | 12,471.00 | 9,682.00 | 1,075.00 | 447.00 |
| Interest Income | 451,305.00 | 380,661.00 | 251,652.00 | 177,076.00 | 147,871.00 |
| Interest Expense | 155,839.00 | 99,364.00 | 18,269.00 | 6,002.00 | 11,950.00 |
| Net Interest | 257,040.00 | 247,332.00 | 233,383.00 | 171,074.00 | 135,921.00 |
| Non-Interest Income | 233,303.00 | 92,220.00 | 89,149.00 | 65,850.00 | 51,899.00 |
| Non-Interest Expense | 198,179.00 | 187,829.00 | 191,791.00 | 142,280.00 | 103,159.00 |
| Provisions for Credit Losses | 8,800.00 | 12,471.00 | 9,682.00 | 0 | 0 |
| Gross Profit | 34,043.00 | 27,331.00 | 26,429.00 | 26,538.00 | 22,959.00 |
| Selling, General and Administrative Expenses | 182,992.00 | 137,648.00 | 126,815.00 | 92,320.00 | 76,829.00 |
| EBT | 144,366.00 | 137,927.00 | 120,484.00 | 95,397.00 | 149,628.00 |
| Income Tax | 56,331.00 | 57,868.00 | 50,600.00 | 38,547.00 | 15,999.00 |
| Net Income Including Non-Controlling Interests | 572,695.00 | 538,740.00 | 92,006.00 | 0 | 0 |
| Net Income Non-Controlling Interests | -458,156.00 | -430,992.00 | 966.00 | 0 | 0 |
| Net Income | 114,539.00 | 107,748.00 | 92,972.00 | 74,645.00 | 58,869.00 |
| EBIT | 300,205.00 | 237,291.00 | 138,753.00 | 101,399.00 | 161,578.00 |
| Deprecation and Amortization | 13,354.00 | 21,939.00 | 20,658.00 | 11,329.00 | 9,743.00 |
| EBITDA | 313,559.00 | 259,230.00 | 159,411.00 | 112,728.00 | 171,321.00 |
| 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 | 29,288.00 | 29,212.00 | 28,672.00 | 24,898.00 | 22,563.00 |
| Average Shares Outstanding Diluted | 29,421.00 | 29,343.00 | 28,922.00 | 25,156.00 | 22,768.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 179,590.00 | 141,307.00 | 152,475.00 | 160,903.00 | 94,487.00 |
| Operating Net Income | 572,695.00 | 538,740.00 | 466,148.00 | 0 | 0 |
| Deprecation and Amortization | 13,354.00 | 21,939.00 | 20,658.00 | 11,329.00 | 9,743.00 |
| Deferred Income Tax | -3,116.00 | -435.00 | 1,823.00 | 5,401.00 | -7,508.00 |
| Share Based Compensation | 3,773.00 | 4,464.00 | 4,394.00 | 4,565.00 | 3,262.00 |
| Change in Working Capital | 1,337.00 | 3,941.00 | 14,137.00 | -4,007.00 | 20,880.00 |
| Other Operating Activities | -408,453.00 | -427,342.00 | -354,685.00 | 143,615.00 | 68,110.00 |
| Investing Cash Flow | -677,057.00 | -424,255.00 | -410,426.00 | -107,270.00 | -804,718.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 10,071.00 | 9,463.00 | 43,173.00 | 4,581.00 | 6,698.00 |
| Net Purchase/Sale of Investments Net | 932,997.00 | 200,753.00 | 976,685.00 | 811,224.00 | 806,485.00 |
| Net Purchase/Sale of Business | 0 | 0 | -277,482.00 | 31,571.00 | 0 |
| Net Loan & Lease Activity | -1,647.00 | -14,274.00 | -122,141.00 | -441,987.00 | 552,980.00 |
| Other Investing Activities | -1,618,478.00 | -620,197.00 | -1,030,661.00 | -512,659.00 | -2,170,881.00 |
| Financing Cash Flow | 519,198.00 | 378,668.00 | -530,680.00 | 587,997.00 | 768,844.00 |
| Net Issuance/Repayment of Debt | 3,649.00 | 23,712.00 | -6,729.00 | 167,781.00 | 165,156.00 |
| Net Issuance/Repurchase of Equity | 4,217.00 | 2,695.00 | 9,067.00 | 3,618.00 | 2,265.00 |
| Dividends Paid | 35,835.00 | 34,575.00 | 66,603.00 | 28,198.00 | 24,481.00 |
| Other Financing Activities | 475,497.00 | 317,686.00 | -599,621.00 | 388,400.00 | 576,942.00 |
| Net Change in Cash | 21,731.00 | 95,720.00 | -788,631.00 | 643,247.00 | 68,221.00 |
| Cash at Beginning of Period | 269,289.00 | 170,239.00 | 955,998.00 | 317,945.00 | 249,724.00 |
| Cash at End of Period | 291,020.00 | 265,959.00 | 167,367.00 | 961,192.00 | 317,945.00 |
| 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 | 9,307,376.00 | 9,208,986.00 | 8,997,478.00 | 18,694,696.00 | 8,437,280.00 | 8,315,325.00 | 8,123,128.00 | 17,225,572.00 | 7,903,430.00 | 7,732,552.00 | 7,667,648.00 | 15,779,808.00 | 7,554,210.00 | 7,583,105.00 | 7,777,152.00 | 23,278,357.00 | 6,181,188.00 | 13,476,144.00 | 10,888,150.00 | 11,116,349.00 |
| Deposits | 20,055,421.00 | 19,558,272.00 | 19,086,081.00 | 18,701,216.00 | 17,976,755.00 | 17,586,018.00 | 17,661,811.00 | 17,987,368.00 | 17,950,368.00 | 17,715,156.00 | 18,250,296.00 | 18,633,098.00 | 19,601,669.00 | 19,462,172.00 | 19,758,198.00 | 24,952,290.00 | 15,918,418.00 | 17,852,071.00 | 13,510,473.00 | 12,517,439.00 |
| Cash and Short-Term Investments | 3,781,445.00 | 2,257,060.00 | 2,018,680.00 | 1,457,581.00 | 1,265,330.00 | 1,021,755.00 | 801,115.00 | 1,335,606.00 | 965,185.00 | 1,071,650.00 | 1,584,990.00 | 845,518.00 | 1,649,605.00 | 2,869,345.00 | 3,758,455.00 | 4,809,449.00 | 2,924,705.00 | 2,700,965.00 | 1,664,905.00 | 1,594,831.00 |
| Cash and Cash Equivalents | 3,781,445.00 | 2,257,060.00 | 2,018,680.00 | 1,457,581.00 | 1,265,330.00 | 1,021,755.00 | 801,115.00 | 1,335,606.00 | 965,185.00 | 1,071,650.00 | 1,584,990.00 | 845,518.00 | 1,649,605.00 | 2,869,345.00 | 3,758,455.00 | 4,809,449.00 | 2,924,705.00 | 2,700,965.00 | 1,664,905.00 | 1,594,831.00 |
| 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 | 114,048.00 | 108,840.00 | 62,716,688.00 | 62,482,892.00 | 59,988,671.00 | 58,268,677.00 | 56,723,026.00 | 55,159,046.00 | 53,777,471.00 | 51,865,576.00 | 50,189,061.00 | 49,813,682.00 | 48,548,624.00 | 46,767,588.00 | 62,760.00 | 54,980.00 | 54,996.00 | 61,048.00 | 51,992.00 | 52,376.00 |
| 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 | 147,058.00 | 143,752.00 | 144,494.00 | 142,431.00 | 140,803.00 | 140,221.00 | 133,030.00 | 101,174.00 | 98,425.00 | 98,777.00 | 100,761.00 | 101,612.00 | 98,744.00 | 119,462.00 | 108,827.00 | 95,894.00 | 92,799.00 | 93,576.00 | 68,793.00 | 70,115.00 |
| Goodwill | 843,148.00 | 843,148.00 | 843,148.00 | 776,148.00 | 776,148.00 | 776,148.00 | 776,148.00 | 776,148.00 | 970,148.00 | 970,148.00 | 776,148.00 | 776,148.00 | 1,148,354.00 | 1,148,354.00 | 1,148,354.00 | 543,025.00 | 394,830.00 | 397,029.00 | 12,513.00 | 37,013.00 |
| Intangible Assets | 13,074.00 | 13,989.00 | 14,904.00 | 15,818.00 | 17,149.00 | 18,201.00 | 19,252.00 | 20,304.00 | 21,471.00 | 22,638.00 | 23,810.00 | 24,990.00 | 28,747.00 | 30,357.00 | 31,968.00 | 5,596.00 | 5,871.00 | 5,162.00 | 1,885.00 | 1,962.00 |
| 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 | 8,266,232.00 | 8,203,282.00 | 8,022,005.00 | 7,922,943.00 | 7,503,186.00 | 7,420,790.00 | 7,248,417.00 | 7,311,999.00 | 7,096,512.00 | 6,924,470.00 | 6,873,280.00 | 6,735,829.00 | 6,823,461.00 | 6,832,944.00 | 7,015,932.00 | 5,970,156.00 | 5,517,641.00 | 5,436,983.00 | 4,350,843.00 | 4,167,928.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 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 | 1,041,144.00 | 1,005,704.00 | 975,473.00 | 10,771,753.00 | 934,094.00 | 894,535.00 | 874,711.00 | 9,913,573.00 | 806,918.00 | 808,082.00 | 794,368.00 | 9,043,979.00 | 730,749.00 | 750,161.00 | 761,220.00 | 17,308,201.00 | 663,547.00 | 8,039,161.00 | 6,537,307.00 | 6,948,421.00 |
| Shareholders Equity | 2,014,666.00 | 1,936,097.00 | 1,871,106.00 | 1,698,650.00 | 1,792,915.00 | 1,694,090.00 | 1,654,368.00 | 1,530,610.00 | 551,108.00 | 593,250.00 | 592,482.00 | 1,289,792.00 | 471,920.00 | 572,457.00 | 642,945.00 | 9,637,667.00 | 1,324,463.00 | 1,303,968.00 | 883,414.00 | 1,330,844.00 |
| Capital Stock | 59,083.00 | 59,081.00 | 59,066.00 | 58,939.00 | 58,886.00 | 58,797.00 | 58,812.00 | 58,602.00 | 58,579.00 | 58,580.00 | 58,582.00 | 58,367.00 | 58,311.00 | 58,315.00 | 58,238.00 | 49,501.00 | 49,462.00 | 49,471.00 | 36,796.00 | 36,500.00 |
| Share Premium | 401,671.00 | 400,459.00 | 399,004.00 | 395,081.00 | 392,965.00 | 390,454.00 | 389,685.00 | 385,955.00 | 384,399.00 | 383,387.00 | 382,391.00 | 377,703.00 | 376,091.00 | 374,878.00 | 372,555.00 | 243,107.00 | 241,254.00 | 240,200.00 | 46,879.00 | 41,886.00 |
| Retained Earnings | 648,012.00 | 621,475.00 | 597,243.00 | 577,607.00 | 557,516.00 | 540,264.00 | 521,268.00 | 506,344.00 | 491,845.00 | 473,531.00 | 454,338.00 | 439,898.00 | 421,269.00 | 401,275.00 | 384,949.00 | 391,201.00 | 375,462.00 | 359,628.00 | 362,607.00 | 353,574.00 |
| 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 | -67,622.00 | -75,311.00 | -79,840.00 | -91,151.00 | -75,273.00 | -94,980.00 | -95,054.00 | -92,798.00 | -127,905.00 | -107,416.00 | -100,943.00 | -115,536.00 | -127,917.00 | -87,337.00 | -57,599.00 | -7,940.00 | -2,631.00 | 1,790.00 | -3,050.00 | 8,741.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,995.00 | 3,030.00 | 3,077.00 | 0 | 0 | 0 | 0 | 0 |
| Investments | 548,284.00 | 572,191.00 | 62,430,044.00 | 62,374,256.00 | 59,370,934.00 | 58,464,845.00 | 57,351,990.00 | 56,146,810.00 | 54,876,436.00 | 53,611,842.00 | 52,392,184.00 | 52,132,579.00 | 51,047,716.00 | 49,428,725.00 | 7,998,512.00 | 7,081,788.00 | 6,420,888.00 | 6,041,448.00 | 4,033,002.00 | 3,521,868.00 |
| Debt | 26,806.00 | 53,806.00 | 53,806.00 | 53,806.00 | 53,806.00 | 52,806.00 | 52,806.00 | 53,740.00 | 52,641.00 | 52,541.00 | 52,442.00 | 52,343.00 | 52,244.00 | 52,144.00 | 52,045.00 | 0 | 16,938.00 | 17,462.00 | 13,062.00 | 0 |
| Common Shares Outstanding | 29,474.00 | 29,473.00 | 29,469.00 | 29,431.00 | 29,414.00 | 29,388.00 | 29,393.00 | 29,329.00 | 29,323.00 | 29,324.00 | 29,324.00 | 29,259.00 | 29,242.00 | 29,243.00 | 29,220.00 | 26,596.00 | 26,585.00 | 26,588.00 | 22,781.00 | 22,692.00 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 31,834.00 | 21,130.00 | 10,647.00 | -21,991.00 | 32,497.00 | 21,566.00 | 10,771.00 | -19,101.00 | 29,703.00 | 19,673.00 | 9,527.00 | -16,986.00 | 26,890.00 | 17,738.00 | 8,469.00 | -11,975.00 | 20,234.00 | 13,106.00 | 6,248.00 |
| Cost Of Revenue | 1,714.00 | 1,133.00 | 900.00 | -1,200.00 | 6,575.00 | 2,250.00 | 1,175.00 | -879.00 | 6,700.00 | 4,400.00 | 2,250.00 | 1,140.00 | 6,082.00 | 1,979.00 | 481.00 | -263.00 | 660.00 | 426.00 | 252.00 |
| Interest Income | 346,438.00 | 226,166.00 | 111,166.00 | -144,660.00 | 302,571.00 | 196,849.00 | 96,545.00 | -112,791.00 | 251,455.00 | 162,530.00 | 79,467.00 | -83,926.00 | 176,502.00 | 109,092.00 | 49,984.00 | -74,630.00 | 129,568.00 | 82,620.00 | 39,518.00 |
| Interest Expense | 125,376.00 | 82,141.00 | 40,614.00 | -70,893.00 | 115,500.00 | 74,757.00 | 36,475.00 | -21,699.00 | 66,139.00 | 38,529.00 | 16,395.00 | 5,315.00 | 8,382.00 | 3,348.00 | 1,224.00 | -3,578.00 | 4,676.00 | 3,211.00 | 1,693.00 |
| Net Interest | 221,062.00 | 144,025.00 | 70,552.00 | -112,193.00 | 187,071.00 | 122,092.00 | 60,070.00 | -125,057.00 | 185,316.00 | 124,001.00 | 63,072.00 | -89,241.00 | 168,120.00 | 105,744.00 | 48,760.00 | -71,052.00 | 124,892.00 | 79,409.00 | 37,825.00 |
| Non-Interest Income | 175,474.00 | 115,818.00 | 56,639.00 | 91,383.00 | 71,723.00 | 46,926.00 | 23,271.00 | -42,537.00 | 67,803.00 | 44,907.00 | 22,047.00 | -37,204.00 | 66,007.00 | 41,143.00 | 19,203.00 | -24,872.00 | 47,246.00 | 29,632.00 | 13,844.00 |
| Non-Interest Expense | 157,558.00 | 103,727.00 | 51,027.00 | -95,374.00 | 146,522.00 | 98,070.00 | 48,961.00 | -86,415.00 | 137,816.00 | 91,114.00 | 45,314.00 | -111,323.00 | 145,845.00 | 100,972.00 | 56,297.00 | -63,551.00 | 107,708.00 | 73,150.00 | 24,973.00 |
| Provisions for Credit Losses | 0 | 0 | 900.00 | -1,200.00 | 6,575.00 | 2,250.00 | 1,175.00 | -879.00 | 6,700.00 | 4,400.00 | 2,250.00 | 1,621.00 | 6,082.00 | 1,979.00 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit | 30,120.00 | 19,997.00 | 9,747.00 | -20,791.00 | 25,922.00 | 19,316.00 | 9,596.00 | -18,222.00 | 23,003.00 | 15,273.00 | 7,277.00 | -18,126.00 | 20,808.00 | 15,759.00 | 7,988.00 | -11,712.00 | 19,574.00 | 12,680.00 | 5,996.00 |
| Selling, General and Administrative Expenses | 146,080.00 | 95,519.00 | 47,018.00 | -33,812.00 | 109,093.00 | 72,120.00 | 35,591.00 | -60,914.00 | 100,134.00 | 65,774.00 | 32,654.00 | -51,351.00 | 92,591.00 | 59,139.00 | 26,436.00 | -33,796.00 | 66,495.00 | 41,012.00 | 18,609.00 |
| EBT | 130,274.00 | 84,567.00 | 41,621.00 | -62,034.00 | 105,222.00 | 68,223.00 | 32,955.00 | -79,625.00 | 107,553.00 | 72,819.00 | 37,180.00 | -14,139.00 | 81,400.00 | 43,836.00 | 9,387.00 | -29,276.00 | 63,283.00 | 33,219.00 | 28,171.00 |
| Income Tax | 26,738.00 | 17,272.00 | 8,350.00 | 12,148.00 | 22,377.00 | 14,738.00 | 7,068.00 | 9,880.00 | 23,749.00 | 16,107.00 | 8,132.00 | 22,147.00 | 18,016.00 | 8,992.00 | 1,445.00 | 13,534.00 | 13,227.00 | 6,325.00 | 5,461.00 |
| Net Income Including Non-Controlling Interests | 103,536.00 | 67,295.00 | 33,271.00 | 410,478.00 | 82,845.00 | 53,485.00 | 25,887.00 | 311,080.00 | 83,804.00 | 56,712.00 | 87,144.00 | -13,346.00 | 62,926.00 | 34,556.00 | 7,870.00 | 0 | 0 | 0 | 0 |
| Net Income Non-Controlling Interests | 0.00 | 0.00 | 0.00 | -458,156.00 | 0.00 | 0.00 | 0.00 | -372,896.00 | 0.00 | 0.00 | -58,096.00 | 557.00 | 229.00 | 144.00 | 36.00 | 0 | 0 | 0 | 0 |
| Net Income | 103,536.00 | 67,295.00 | 33,271.00 | -47,678.00 | 82,845.00 | 53,485.00 | 25,887.00 | -61,816.00 | 83,804.00 | 56,712.00 | 29,048.00 | -12,789.00 | 63,155.00 | 34,700.00 | 7,906.00 | -25,015.00 | 50,056.00 | 26,894.00 | 22,710.00 |
| EBIT | 255,650.00 | 166,708.00 | 82,235.00 | -132,927.00 | 220,722.00 | 142,980.00 | 69,430.00 | -101,324.00 | 173,692.00 | 111,348.00 | 53,575.00 | -8,824.00 | 89,782.00 | 47,184.00 | 10,611.00 | -32,854.00 | 67,959.00 | 36,430.00 | 29,864.00 |
| Deprecation and Amortization | 3,935.00 | 2,021.00 | 1,254.00 | -7,457.00 | 10,410.00 | 6,963.00 | 3,438.00 | -10,014.00 | 15,356.00 | 10,718.00 | 5,879.00 | -9,140.00 | 15,729.00 | 10,031.00 | 4,038.00 | -3,745.00 | 7,925.00 | 4,888.00 | 2,261.00 |
| EBITDA | 259,585.00 | 168,729.00 | 83,489.00 | -140,384.00 | 231,132.00 | 149,943.00 | 72,868.00 | -111,338.00 | 189,048.00 | 122,066.00 | 59,454.00 | -17,964.00 | 105,511.00 | 57,215.00 | 14,649.00 | -36,599.00 | 75,884.00 | 41,318.00 | 32,125.00 |
| 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 | 29,360.00 | 29,356.00 | 29,349.00 | 29,358.00 | 29,277.00 | 29,267.00 | 29,250.00 | 29,262.00 | 29,208.00 | 29,200.00 | 29,178.00 | 30,763.00 | 28,509.00 | 28,186.00 | 27,230.00 | 29,121.00 | 24,360.00 | 23,489.00 | 22,622.00 |
| Average Shares Outstanding Diluted | 29,511.00 | 29,503.00 | 29,501.00 | 29,555.00 | 29,396.00 | 29,372.00 | 29,361.00 | 29,307.00 | 29,347.00 | 29,353.00 | 29,365.00 | 31,030.00 | 28,752.00 | 28,421.00 | 27,485.00 | 29,426.00 | 24,602.00 | 23,731.00 | 22,865.00 |
| 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 | 113,934.00 | 75,719.00 | 19,783.00 | -30,290.00 | 123,933.00 | 68,531.00 | 17,416.00 | 11,255.00 | 76,407.00 | 43,883.00 | 9,762.00 | 56,080.00 | 71,117.00 | 21,758.00 | 3,520.00 | 23,362.00 | 63,132.00 | 47,174.00 | 27,235.00 |
| Operating Net Income | 103,536.00 | 67,295.00 | 33,271.00 | 410,478.00 | 82,845.00 | 53,485.00 | 25,887.00 | 311,080.00 | 83,804.00 | 56,712.00 | 87,144.00 | 336,188.00 | 63,384.00 | 34,844.00 | 31,732.00 | 0 | 0 | 0 | 0 |
| Deprecation and Amortization | 3,935.00 | 2,021.00 | 1,254.00 | -7,457.00 | 10,410.00 | 6,963.00 | 3,438.00 | -10,014.00 | 15,356.00 | 10,718.00 | 5,879.00 | -9,140.00 | 15,729.00 | 10,031.00 | 4,038.00 | -3,745.00 | 7,925.00 | 4,888.00 | 2,261.00 |
| Deferred Income Tax | -2,226.00 | -930.00 | 584.00 | -1,318.00 | -2,222.00 | -330.00 | 754.00 | -2,276.00 | -883.00 | 463.00 | 2,261.00 | -7,482.00 | 3,303.00 | 4,771.00 | 1,231.00 | -2,189.00 | 3,837.00 | 2,307.00 | 1,446.00 |
| Share Based Compensation | 3,387.00 | 2,274.00 | 1,153.00 | -1,991.00 | 2,872.00 | 1,950.00 | 942.00 | -2,094.00 | 3,219.00 | 2,187.00 | 1,152.00 | -1,930.00 | 3,285.00 | 2,048.00 | 991.00 | -1,975.00 | 3,428.00 | 2,263.00 | 849.00 |
| Change in Working Capital | -14,566.00 | -12,549.00 | -6,853.00 | -4,296.00 | -6,326.00 | 3,052.00 | 8,907.00 | -139,471.00 | 106,238.00 | 40,833.00 | -3,659.00 | 7,187.00 | 8,607.00 | 4,747.00 | -6,404.00 | -3,061.00 | -1,656.00 | 4,420.00 | -3,710.00 |
| Other Operating Activities | 19,868.00 | 17,608.00 | -9,626.00 | -425,706.00 | 36,354.00 | 3,411.00 | -22,512.00 | -145,970.00 | -131,327.00 | -67,030.00 | -83,015.00 | -268,743.00 | -23,191.00 | -34,683.00 | -28,068.00 | 34,332.00 | 49,598.00 | 33,296.00 | 26,389.00 |
| Investing Cash Flow | -6,824.00 | -199,247.00 | -12,382.00 | -135,149.00 | -277,862.00 | -206,421.00 | -57,625.00 | 62,963.00 | -317,387.00 | -152,494.00 | -17,337.00 | -84,638.00 | -245,034.00 | -45,417.00 | -35,337.00 | 20,538.00 | 11,834.00 | 68,005.00 | -207,647.00 |
| 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 | 8,163.00 | 5,108.00 | 1,943.00 | -3,847.00 | 6,793.00 | 5,295.00 | 1,830.00 | -3,622.00 | 7,268.00 | 3,883.00 | 1,934.00 | -147.00 | 28,811.00 | 13,563.00 | 946.00 | -974.00 | 3,243.00 | 1,752.00 | 560.00 |
| Net Purchase/Sale of Investments Net | 1,506,387.00 | 1,193,123.00 | 640,553.00 | 495,150.00 | 269,246.00 | 129,272.00 | 39,329.00 | -70,533.00 | 153,366.00 | 82,480.00 | 35,440.00 | -1,350,889.00 | 918,786.00 | 784,481.00 | 624,307.00 | -301,128.00 | 552,078.00 | 379,409.00 | 180,865.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 677,904.00 | -318,462.00 | -318,462.00 | -318,462.00 | 24,981.00 | 3,295.00 | 3,295.00 | 0 |
| Net Loan & Lease Activity | -1,647.00 | -14,274.00 | -122,141.00 | -441,987.00 | 552,980.00 | ||||||||||||||
| Other Investing Activities | -1,929,610.00 | -1,726,399.00 | -779,710.00 | 179,742.00 | -1,060,385.00 | -639,448.00 | -98,387.00 | 117,085.00 | -464,255.00 | -227,352.00 | -45,675.00 | 416,030.00 | -752,904.00 | -421,032.00 | -272,755.00 | 247,630.00 | -227,931.00 | -80,587.00 | -451,771.00 |
| Financing Cash Flow | 358,159.00 | 283,920.00 | 105,315.00 | 367,407.00 | 141,036.00 | 76,282.00 | -65,527.00 | -200,762.00 | 266,650.00 | 155,574.00 | 157,206.00 | 468,022.00 | -457,354.00 | -363,664.00 | -177,684.00 | 93,450.00 | 192,030.00 | 107,069.00 | 195,448.00 |
| Net Issuance/Repayment of Debt | -89,614.00 | -36,207.00 | -11,528.00 | 9,418.00 | -9,549.00 | -2,866.00 | 6,646.00 | -1,469,623.00 | -16,719.00 | 1,057,862.00 | 452,192.00 | -15,034.00 | -15,324.00 | 21,423.00 | 2,206.00 | -144,672.00 | 157,256.00 | 136,831.00 | 18,366.00 |
| Net Issuance/Repurchase of Equity | 2,089.00 | 1,916.00 | 1,608.00 | -2,110.00 | 3,002.00 | 1,687.00 | 1,638.00 | 2,695.00 | 0 | 0 | 0 | 9,067.00 | 0 | 0 | 0 | 3,618.00 | 0 | 0 | 0 |
| Dividends Paid | 27,709.00 | 18,306.00 | 9,114.00 | -17,425.00 | 26,738.00 | 17,655.00 | 8,867.00 | -16,826.00 | 25,804.00 | 17,036.00 | 8,561.00 | 17,077.00 | 24,845.00 | 16,394.00 | 8,287.00 | -12,113.00 | 20,777.00 | 13,361.00 | 6,173.00 |
| Other Financing Activities | 417,975.00 | 299,905.00 | 106,121.00 | 377,524.00 | 120,845.00 | 59,806.00 | -82,678.00 | 1,282,992.00 | 257,565.00 | -919,324.00 | -303,547.00 | 456,912.00 | -466,875.00 | -401,481.00 | -188,177.00 | 246,617.00 | 13,997.00 | -43,123.00 | 170,909.00 |
| Net Change in Cash | 465,269.00 | 160,392.00 | 112,716.00 | 201,968.00 | -12,893.00 | -61,608.00 | -105,736.00 | -126,544.00 | 25,670.00 | 46,963.00 | 149,631.00 | 439,464.00 | -631,271.00 | -387,323.00 | -209,501.00 | 138,967.00 | 266,996.00 | 222,248.00 | 15,036.00 |
| Cash at Beginning of Period | 291,020.00 | 291,020.00 | 291,020.00 | 89,052.00 | 265,959.00 | 265,959.00 | 265,959.00 | 392,503.00 | 167,367.00 | 167,367.00 | 167,367.00 | -272,097.00 | 961,192.00 | 961,192.00 | 961,192.00 | 822,225.00 | 317,945.00 | 317,945.00 | 317,945.00 |
| Cash at End of Period | 756,289.00 | 451,412.00 | 403,736.00 | 291,020.00 | 253,066.00 | 204,351.00 | 160,223.00 | 265,959.00 | 193,037.00 | 214,330.00 | 316,998.00 | 167,367.00 | 329,921.00 | 573,869.00 | 751,691.00 | 961,192.00 | 584,941.00 | 540,193.00 | 332,981.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |