TBBK

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 12.10 10.95 12.34 13.11 9.82
Price to Sales 22.56 23.51 20.78 192.33 110.44
Book Value Per Common Share 50.08 45.52 37.39 34.12 30.24
Price to Book 1.05 0.85 0.76 0.74 0.45
Price to Operating Cash Flow 5.45 11.67 13.84 18.66 -1.53
Price to Free Cash Flow
Enterprise Value to EBITDA 52538.43 49477.28 66233.82 93115.45 57744.34
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 20.30 22.88 43.67 16.82 17.81 31.27 12.78 18.34 31.29 13.91 18.77 55.55 17.43 23.72 46.04
Price to Sales 33.15 38.12 72.42 32.15 39.92 72.68 28.23 39.58 66.21 21.57 28.74 86.74 25.60 34.07 61.89
Book Value Per Common Share 17.48 18.60 17.66 50.08 16.90 15.77 15.63 45.52 14.36 13.74 13.11 37.39 11.81 11.55 11.41 34.12 11.13 10.77 10.42 30.24
Price to Book 4.29 3.06 2.99 1.05 3.16 2.39 2.14 0.85 2.40 2.38 2.12 0.76 1.86 1.69 2.48 0.74 2.29 2.14 1.99 0.45
Price to Operating Cash Flow 11.75 12.23 18.83 18.96 21.25 23.46 15.09 24.83 35.80 18.27 27.89 88.01 20.40 8.39 23.64
Price to Free Cash Flow
Enterprise Value to EBITDA 89845.78 103909.11 197776.93 73485.34 79410.71 149374.26 59045.08 85702.23 151446.65 81194.01 123265.01 390589.49 123589.64 167467.41 309148.50

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 23.58 53.04 19.17 38.85
Revenue YoY 30.62 15.77 926.26 5.99
EBITDA YoY 14.31 73.76 53.02 14.43
Net Profit YoY 1.25 42.28 5.71 48.96
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 48.19 105.79 50.00 98.13 51.69 100.00 51.92 103.92 50.52 115.56
Revenue YoY 50.05 103.48 72.39 101.93 47.28 95.09 49.56 107.43 47.14 101.24
EBITDA YoY 46.34 102.09 49.89 100.16 51.47 104.22 68.92 117.26 49.55 105.78
Net Profit YoY 46.95 104.63 46.78 95.14 51.44 109.59 37.98 115.89 49.21 115.61

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 23.20 38.42 32.07 23.44 15.90
Quick Ratio
Current Ratio
Debt to Equity 0.76 5.97 0.74 0.64 0.54
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 1.82 7.25 21.63 24.55 1.10 7.82 23.71 39.36 16.48 15.96 14.20 32.57 12.73 6.02 11.80 23.36 5.55 10.29 30.44 15.85
Quick Ratio
Current Ratio
Debt to Equity 10.05 9.28 10.31 0.76 8.93 9.48 0.81 5.97 0.81 0.82 0.82 0.74 0.84 9.84 0.82 0.64 8.83 9.58 11.98 0.54
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 1.18 0.89 0.89 0.90 0.59
ROE 2.07 6.20 1.54 1.47 0.91
Gross Margin 75.22 90.53 92.57 66.61 13.72
Operating Margin 400.27 461.02 307.33 2064.90 1749.05
EBITDA Margin 405.76 463.67 308.92 2071.87 1918.98
Net Profit Margin 186.25 240.29 195.52 1898.25 1350.58
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 2.00 1.32 0.61 2.00 1.35 0.36 1.08 0.71 0.33 0.67 1.06 0.25 1.66 1.07 0.42
ROE 22.09 13.60 6.89 19.82 14.17 0.65 1.96 1.29 0.61 1.22 11.49 0.45 16.36 11.30 5.44
Gross Margin -30.27 -30.50 -35.70 91.35 92.17 90.27 93.42 94.23 90.58 95.00 94.32 91.94 97.90 99.33 96.94
Operating Margin 346.05 354.68 357.94 409.98 472.33 478.92 467.21 453.96 434.04 260.90 230.74 220.39 206.22 202.31 199.35
EBITDA Margin 352.91 361.88 364.37 415.33 477.69 481.92 469.66 456.66 436.23 262.92 232.78 222.25 207.58 204.23 199.73
Net Profit Margin 163.46 166.92 165.98 191.18 224.54 232.35 241.59 234.95 218.69 179.84 194.94 187.30 183.48 180.95 168.89

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 18,437,513.00 24,163,240.00 17,016,447.00 15,895,513.00 16,282,156.00
   Deposits 7,746,046.00 6,680,910.00 7,030,113.00 5,976,911.00 5,462,060.00
      Cash and Short-Term Investments 1,161,546.00 2,093,970.00 1,813,802.00 1,340,334.00 913,564.00
            Cash and Cash Equivalents 1,161,546.00 2,093,970.00 1,813,802.00 1,340,334.00 913,564.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 41,713.00 37,534.00 32,005.00 17,871.00 20,458.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 27,566.00 27,474.00 18,401.00 16,156.00 17,608.00
      Goodwill 0 0 0 0 0
      Intangible Assets 1,254.00 1,651.00 2,049.00 2,447.00 2,845.00
      Long-Term Investments 0 0 0 686,248.00 606,587.00
      Non-Current Deferred Assets 18,874.00 21,219.00 19,703.00 12,667.00 9,757.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 7,937,760.00 20,695,242.00 7,208,969.00 6,190,785.00 5,695,677.00
      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 10,499,753.00 3,467,998.00 9,807,478.00 9,704,728.00 10,586,479.00
   Shareholders Equity 2,369,349.00 2,421,843.00 2,082,093.00 1,957,362.00 1,743,492.00
      Capital Stock 0 0 0 0 0
      Share Premium 3,233.00 212,431.00 299,279.00 349,686.00 378,218.00
      Retained Earnings 779,155.00 561,615.00 369,319.00 239,106.00 128,453.00
      Treasury Shares 22,681.00 0 0 0 866.00
      Accumulated Other Comprehensive Income -17,637.00 -19,968.00 -30,257.00 6,291.00 17,708.00
   Minority Interest 0 0 0 0 0
Investments 10,737,981.00 5,570,162.00 5,716,144.00 7,741,660.00 616,587.00
Debt 262,153.00 243,680.00 221,529.00 250,286.00 250,306.00
Common Shares Outstanding 47,310.75 53,202.63 55,689.63 57,370.56 57,650.63
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 116,798.00 89,417.00 77,236.00 7,526.00 7,101.00
Cost Of Revenue 28,938.00 8,465.00 5,741.00 2,513.00 6,127.00
Interest Income 551,592.00 509,507.00 308,295.00 222,115.00 210,782.00
Interest Expense 175,351.00 155,455.00 59,454.00 11,239.00 15,916.00
Net Interest 376,241.00 354,052.00 248,841.00 210,876.00 194,866.00
Non-Interest Income 146,482.00 112,094.00 105,683.00 104,749.00 84,617.00
Non-Interest Expense 218,926.00 394,673.00 347,524.00 345,966.00 337,180.00
Provisions for Credit Losses 28,938.00 8,465.00 5,741.00 2,513.00 6,127.00
Gross Profit 87,860.00 80,952.00 71,495.00 5,013.00 974.00
   Selling, General and Administrative Expenses 25,984.00 19,502.00 18,174.00 16,614.00 15,755.00
EBT 292,156.00 256,774.00 177,914.00 144,165.00 108,284.00
Income Tax 144,664.00 125,092.00 92,403.00 64,334.00 27,688.00
Net Income 217,540.00 214,857.00 151,014.00 142,862.00 95,905.00
EBIT 467,507.00 412,229.00 237,368.00 155,404.00 124,200.00
Deprecation and Amortization 6,408.00 2,367.00 1,228.00 525.00 12,067.00
EBITDA 473,915.00 414,596.00 238,596.00 155,929.00 136,267.00
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 50,063.62 54,506.07 56,556.30 57,190.31 57,474.61
Average Shares Outstanding Diluted 50,713.14 55,053.50 57,268.95 58,830.44 58,411.22
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 483,637.00 180,069.00 115,991.00 77,580.00 -513,377.00
   Operating Net Income 870,160.00 0 0 0 0
   Deprecation and Amortization 6,408.00 2,367.00 1,228.00 -525.00 -12,067.00
   Deferred Income Tax 2,317.00 -5,681.00 5,870.00 1,402.00 -1,350.00
   Share Based Compensation 14,983.00 11,392.00 7,592.00 8,626.00 6,429.00
   Change in Working Capital 35,150.00 59,833.00 13,276.00 -42.00 13,313.00
   Other Operating Activities -445,381.00 112,158.00 88,025.00 68,119.00 -519,702.00
Investing Cash Flow -1,510,239.00 515,554.00 -813,099.00 -305,902.00 -595,795.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 5,107.00 12,689.00 5,134.00 1,549.00 3,753.00
   Net Purchase/Sale of Investments Net 1,235,493.00 125,871.00 187,636.00 751,617.00 233,794.00
   Net Purchase/Sale of Business 0 0 0 7,337.00 11,735.00
   Net Loan & Lease Activity 877,350.00 -142,326.00 1,680,129.00 1,096,189.00 836,217.00
   Other Investing Activities -3,628,189.00 519,320.00 -2,685,998.00 -2,162,594.00 -1,681,294.00
Financing Cash Flow 560,390.00 -555,539.00 933,842.00 441,707.00 608,196.00
   Net Issuance/Repayment of Debt -42.00 3,273.00 0 0 196,434.00
   Net Issuance/Repurchase of Equity 252,352.00 200,102.00 120,640.00 86,856.00 866.00
   Dividends Paid 0 0 0 0 0
   Other Financing Activities 308,080.00 -758,914.00 813,202.00 354,851.00 410,896.00
Net Change in Cash -466,212.00 140,084.00 236,734.00 213,385.00 -500,976.00
   Cash at Beginning of Period 1,036,335.00 898,006.00 651,455.00 388,399.00 0
   Cash at End of Period 570,123.00 1,038,090.00 888,189.00 601,784.00 0
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 8,599,424.00 8,839,231.00 9,385,727.00 18,437,513.00 8,094,590.00 8,145,401.00 15,843,812.00 24,163,240.00 14,943,634.00 15,097,912.00 15,270,818.00 17,016,447.00 15,615,048.00 7,119,735.00 14,235,620.00 15,895,513.00 6,268,463.00 6,550,607.00 7,747,341.00 16,282,156.00
   Deposits 7,330,797.00 7,765,935.00 8,364,582.00 7,746,046.00 6,925,752.00 7,155,688.00 6,890,756.00 6,680,910.00 6,504,471.00 6,623,051.00 6,704,657.00 7,030,113.00 6,911,303.00 5,880,751.00 6,228,323.00 5,976,911.00 5,112,512.00 5,684,712.00 6,921,501.00 5,462,060.00
      Cash and Short-Term Investments 84,679.00 340,265.00 1,021,269.00 1,161,546.00 55,765.00 405,594.00 1,250,468.00 2,093,970.00 903,414.00 880,546.00 787,182.00 1,813,802.00 722,712.00 342,865.00 674,226.00 1,340,334.00 317,329.00 588,968.00 1,746,587.00 913,564.00
            Cash and Cash Equivalents 84,679.00 340,265.00 1,021,269.00 1,161,546.00 55,765.00 405,594.00 1,250,468.00 2,093,970.00 903,414.00 880,546.00 787,182.00 1,813,802.00 722,712.00 342,865.00 674,226.00 1,340,334.00 317,329.00 588,968.00 1,746,587.00 913,564.00
            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 43,831.00 40,607.00 42,464.00 41,713.00 42,915.00 43,720.00 37,861.00 37,534.00 34,159.00 34,062.00 33,729.00 32,005.00 25,506.00 19,264.00 17,284.00 17,871.00 17,180.00 18,668.00 20,164.00 20,458.00
      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 25,947.00 26,495.00 27,130.00 27,566.00 28,091.00 28,038.00 27,482.00 27,474.00 28,978.00 26,408.00 21,319.00 18,401.00 18,443.00 16,693.00 16,314.00 16,156.00 16,602.00 17,392.00 17,196.00 17,608.00
      Goodwill 263.00 263.00 263.00 0 263.00 263.00 263.00 0 263.00 263.00 263.00 0 263.00 263.00 263.00 0 0 0 0 0
      Intangible Assets 955.00 1,055.00 1,154.00 1,254.00 1,353.00 1,452.00 1,552.00 1,651.00 1,751.00 1,850.00 1,950.00 2,049.00 2,149.00 2,248.00 2,348.00 2,447.00 2,547.00 2,646.00 2,746.00 2,845.00
      Long-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 686,248.00 0 49,988.00 62,047.00 606,587.00
      Non-Current Deferred Assets 10,034.00 12,436.00 13,585.00 18,874.00 9,604.00 20,556.00 21,764.00 21,219.00 20,379.00 19,215.00 18,290.00 19,703.00 27,241.00 23,344.00 18,521.00 12,667.00 12,237.00 10,923.00 10,900.00 9,757.00
      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 7,821,262.00 7,978,965.00 8,556,040.00 7,937,760.00 7,279,264.00 7,368,410.00 7,099,091.00 20,695,242.00 6,692,079.00 6,793,739.00 6,881,811.00 7,208,969.00 7,113,336.00 6,463,199.00 6,430,365.00 6,190,785.00 5,630,486.00 5,931,498.00 7,150,577.00 5,695,677.00
      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 200,000.00 0 0 0 135,000.00 0 0 0 0 0 0 0 0 1,540,000.00 0 0 1,200,000.00 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 778,162.00 860,266.00 829,687.00 10,499,753.00 815,326.00 776,991.00 8,744,721.00 3,467,998.00 8,251,555.00 8,304,173.00 8,389,007.00 9,807,478.00 8,501,712.00 656,536.00 7,805,255.00 9,704,728.00 637,977.00 619,109.00 596,764.00 10,586,479.00
   Shareholders Equity 778,162.00 860,266.00 829,687.00 2,369,349.00 815,326.00 776,991.00 816,765.00 2,421,843.00 773,688.00 749,167.00 725,148.00 2,082,093.00 663,738.00 656,536.00 652,295.00 1,957,362.00 637,977.00 619,109.00 596,764.00 1,743,492.00
      Capital Stock 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Share Premium 19,400.00 12,608.00 7,470.00 3,233.00 26,573.00 72,171.00 166,335.00 212,431.00 234,320.00 256,115.00 277,814.00 299,279.00 311,569.00 323,774.00 336,604.00 349,686.00 357,528.00 363,241.00 370,481.00 378,218.00
      Retained Earnings 951,076.00 896,149.00 836,328.00 779,155.00 723,247.00 671,730.00 618,044.00 561,615.00 517,587.00 467,450.00 418,441.00 369,319.00 329,078.00 298,474.00 268,072.00 239,106.00 212,114.00 183,853.00 154,418.00 128,453.00
      Treasury Shares 249,532.00 98,204.00 60,338.00 22,681.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 866.00
      Accumulated Other Comprehensive Income 8,814.00 1,609.00 -1,840.00 -17,637.00 17,275.00 -16,178.00 -19,867.00 -19,968.00 -32,086.00 -28,940.00 -26,437.00 -30,257.00 -33,111.00 -22,577.00 -9,536.00 6,291.00 11,004.00 14,557.00 14,617.00 17,708.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 9,689,792.00 10,613,007.00 10,611,056.00 10,737,981.00 11,366,264.00 11,353,371.00 5,345,065.00 5,570,162.00 5,646,553.00 5,787,328.00 5,865,184.00 5,716,144.00 5,894,136.00 6,150,203.00 6,726,717.00 7,741,660.00 7,817,736.00 49,988.00 62,047.00 616,587.00
Debt 464,677.00 165,384.00 165,656.00 262,153.00 397,154.00 262,570.00 147,756.00 243,680.00 119,033.00 119,000.00 122,515.00 221,529.00 151,287.00 1,691,392.00 151,493.00 250,286.00 1,351,706.00 151,800.00 151,892.00 250,306.00
Net Debt 379,998.00 0 0 0 341,389.00 0 0 0 0 0 0 0 0 1,348,527.00 0 0 1,034,377.00 0 0 0
Common Shares Outstanding 44,528.88 46,262.93 46,980.00 47,310.75 48,230.33 49,267.40 52,253.04 53,202.63 53,867.13 54,542.28 55,329.63 55,689.63 56,201.56 56,865.49 57,155.03 57,370.56 57,330.85 57,458.29 57,247.91 57,650.63
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 105,174.00 70,091.00 34,446.00 -41,073.00 84,544.00 49,041.00 24,286.00 -46,419.00 67,013.00 45,500.00 23,323.00 -37,971.00 57,865.00 38,690.00 18,652.00 -107,215.00 56,878.00 38,655.00 19,208.00
Cost Of Revenue 137,014.00 91,469.00 46,742.00 15,419.00 7,316.00 3,840.00 2,363.00 -768.00 4,409.00 2,626.00 2,198.00 -851.00 2,891.00 2,198.00 1,503.00 474.00 1,192.00 260.00 587.00
Interest Income 419,344.00 282,950.00 139,802.00 -270,113.00 412,788.00 273,108.00 135,809.00 -238,569.00 377,434.00 248,466.00 122,176.00 -66,408.00 201,385.00 117,464.00 55,854.00 -116,114.00 167,403.00 113,903.00 56,923.00
Interest Expense 135,912.00 93,715.00 48,059.00 -81,778.00 130,843.00 84,895.00 41,391.00 -71,901.00 115,541.00 75,455.00 36,360.00 17,107.00 29,304.00 10,042.00 3,001.00 -6,688.00 8,684.00 6,077.00 3,166.00
Net Interest 283,432.00 189,235.00 91,743.00 -188,335.00 281,945.00 188,213.00 94,418.00 -166,668.00 261,893.00 173,011.00 85,816.00 -83,515.00 172,081.00 107,422.00 52,853.00 -109,426.00 158,719.00 107,826.00 53,757.00
Non-Interest Income 247,801.00 167,385.00 83,642.00 -35,216.00 92,212.00 60,104.00 29,382.00 -60,325.00 85,105.00 58,325.00 28,989.00 -55,889.00 79,943.00 56,517.00 25,112.00 -45,783.00 76,523.00 49,935.00 24,074.00
Non-Interest Expense 166,921.00 110,517.00 53,294.00 -77,357.00 151,413.00 98,158.00 46,712.00 103,238.00 145,432.00 97,973.00 48,030.00 101,948.00 126,027.00 81,197.00 38,352.00 -120,349.00 251,800.00 172,632.00 41,883.00
Provisions for Credit Losses 137,014.00 91,469.00 46,742.00 15,419.00 7,316.00 3,840.00 2,363.00 -768.00 4,409.00 2,626.00 2,198.00 -851.00 2,891.00 2,198.00 1,503.00 994.00 1,192.00 -260.00 587.00
Gross Profit -31,840.00 -21,378.00 -12,296.00 -56,492.00 77,228.00 45,201.00 21,923.00 -45,651.00 62,604.00 42,874.00 21,125.00 -37,120.00 54,974.00 36,492.00 17,149.00 -107,689.00 55,686.00 38,395.00 18,621.00
   Selling, General and Administrative Expenses 18,616.00 12,391.00 6,222.00 -8,557.00 19,419.00 10,093.00 5,029.00 -9,545.00 14,622.00 9,636.00 4,789.00 -8,448.00 13,476.00 8,868.00 4,278.00 -7,883.00 12,476.00 8,132.00 3,889.00
EBT 228,042.00 154,887.00 75,238.00 -145,269.00 215,768.00 146,738.00 74,919.00 -136,747.00 197,550.00 131,099.00 64,872.00 -61,091.00 121,666.00 79,233.00 38,106.00 -71,693.00 108,608.00 72,124.00 35,126.00
Income Tax 56,121.00 37,893.00 18,065.00 35,415.00 54,136.00 36,623.00 18,490.00 27,092.00 49,282.00 32,968.00 15,750.00 31,704.00 31,694.00 19,865.00 9,140.00 13,167.00 25,195.00 16,906.00 9,066.00
Net Income 171,921.00 116,994.00 57,173.00 -110,636.00 161,632.00 110,115.00 56,429.00 -104,945.00 161,894.00 106,902.00 51,006.00 -63,407.00 104,065.00 75,421.00 34,935.00 -63,885.00 104,362.00 69,945.00 32,440.00
EBIT 363,954.00 248,602.00 123,297.00 -227,047.00 346,611.00 231,633.00 116,310.00 -208,648.00 313,091.00 206,554.00 101,232.00 -43,984.00 150,970.00 89,275.00 41,107.00 -78,381.00 117,292.00 78,201.00 38,292.00
Deprecation and Amortization 7,216.00 5,041.00 2,215.00 -1,483.00 4,528.00 2,633.00 730.00 -1,012.00 1,641.00 1,227.00 511.00 -1,072.00 1,166.00 787.00 347.00 -1,065.00 774.00 744.00 72.00
EBITDA 371,170.00 253,643.00 125,512.00 -228,530.00 351,139.00 234,266.00 117,040.00 -209,660.00 314,732.00 207,781.00 101,743.00 -45,056.00 152,136.00 90,062.00 41,454.00 -79,446.00 118,066.00 78,945.00 38,364.00
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 46,554.31 46,904.59 47,214.05 44,858.22 50,807.02 51,842.10 52,747.14 52,582.26 54,828.55 55,160.64 55,452.82 55,364.79 56,782.52 56,962.00 57,115.90 56,935.18 57,221.17 57,232.56 57,372.34
Average Shares Outstanding Diluted 47,209.47 47,565.58 47,959.29 45,837.75 51,361.10 52,327.12 53,326.59 53,175.54 55,336.35 55,653.95 56,048.14 55,696.28 57,510.99 57,772.54 58,095.98 58,008.57 58,932.15 59,086.96 59,294.08
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 296,633.00 218,416.00 132,500.00 172,934.00 143,347.00 92,126.00 75,230.00 -60,950.00 125,365.00 72,519.00 43,135.00 -10,562.00 68,308.00 39,860.00 18,385.00 -201,005.00 71,392.00 156,902.00 50,291.00
   Operating Net Income 171,921.00 116,994.00 171,519.00 429,126.00 161,632.00 110,115.00 169,287.00 0 148,268.00 98,131.00 147,366.00 0 0 0 0 0 0 0 0
   Deprecation and Amortization 7,216.00 5,041.00 2,215.00 -1,483.00 4,528.00 2,633.00 730.00 -1,012.00 1,641.00 1,227.00 511.00 -1,072.00 1,166.00 787.00 347.00 1,065.00 -774.00 -744.00 -72.00
   Deferred Income Tax 0 0 0 2,317.00 0 0 0 -5,681.00 0 0 0 5,870.00 0 0 0 1,402.00 0 0 0
   Share Based Compensation 14,797.00 9,766.00 4,591.00 -6,514.00 11,022.00 7,158.00 3,317.00 -6,390.00 8,694.00 5,919.00 3,169.00 -2,997.00 5,551.00 3,420.00 1,618.00 -4,625.00 6,523.00 4,467.00 2,261.00
   Change in Working Capital 7,022.00 -24,658.00 -32,258.00 12,297.00 37,173.00 17,964.00 -32,284.00 -29,887.00 58,891.00 23,087.00 7,742.00 30,553.00 3,732.00 -11,691.00 -9,318.00 11,296.00 -10,976.00 -3,906.00 3,544.00
   Other Operating Activities 95,677.00 111,273.00 -13,567.00 -262,809.00 -71,008.00 -45,744.00 -65,820.00 375,785.00 -92,129.00 -55,845.00 -115,653.00 -42,916.00 57,859.00 47,344.00 25,738.00 -210,143.00 76,619.00 157,085.00 44,558.00
Investing Cash Flow -441,570.00 -392,640.00 -262,233.00 863,679.00 -1,303,620.00 -1,048,005.00 -22,293.00 -564,491.00 493,669.00 380,068.00 206,308.00 764,056.00 -836,935.00 -557,781.00 -182,439.00 -66,084.00 -23,363.00 -117,330.00 -99,125.00
   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 2,080.00 1,393.00 853.00 -4,310.00 4,500.00 3,313.00 1,604.00 -12,825.00 12,369.00 9,471.00 3,674.00 -2,494.00 4,495.00 2,115.00 1,018.00 -1,303.00 1,237.00 1,284.00 331.00
   Net Purchase/Sale of Investments Net 393,978.00 179,049.00 58,930.00 -955,975.00 1,149,316.00 998,288.00 43,864.00 -132,404.00 106,184.00 88,916.00 63,175.00 -84,064.00 146,695.00 85,940.00 39,065.00 -283,863.00 633,345.00 276,679.00 125,456.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -6,553.00 7,337.00 6,306.00 247.00
   Net Loan & Lease Activity 877,350.00 -142,326.00 1,680,129.00 1,096,189.00 836,217.00
   Other Investing Activities -1,519,883.00 -1,076,543.00 -632,237.00 1,939,347.00 -3,056,597.00 -2,342,116.00 -168,823.00 -896,379.00 653,489.00 494,715.00 267,495.00 1,929,847.00 -2,447,429.00 -1,592,077.00 -576,339.00 53,894.00 -1,150,929.00 -665,196.00 -400,363.00
Financing Cash Flow -340,507.00 -55,634.00 580,879.00 -100,382.00 177,948.00 323,383.00 159,441.00 858,950.00 -603,809.00 -460,230.00 -350,450.00 -451,211.00 889,555.00 259,002.00 236,496.00 -1,135,865.00 -76,215.00 203,881.00 1,449,906.00
   Net Issuance/Repayment of Debt 492,374.00 0 0 -134,916.00 134,958.00 -42.00 -42.00 -3,273.00 3,273.00 3,273.00 0 0 0 385,000.00 0 0 300,000.00 0 0
   Net Issuance/Repurchase of Equity 228,912.00 75,523.00 37,657.00 -151,216.00 201,852.00 151,353.00 50,363.00 49,689.00 75,104.00 50,105.00 25,204.00 30,233.00 45,161.00 30,162.00 15,084.00 21,829.00 33,333.00 21,229.00 10,465.00
   Dividends Paid 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
   Other Financing Activities -1,061,793.00 -131,157.00 543,222.00 185,750.00 -158,862.00 172,072.00 109,120.00 812,534.00 -682,186.00 -513,608.00 -375,654.00 -96,444.00 844,394.00 -156,160.00 221,412.00 -857,694.00 -409,548.00 182,652.00 1,439,441.00
Net Change in Cash -485,444.00 -229,858.00 451,146.00 936,231.00 -982,325.00 -632,496.00 212,378.00 233,509.00 15,225.00 -7,643.00 -101,007.00 302,283.00 120,928.00 -258,919.00 72,442.00 -1,402,954.00 -28,186.00 243,453.00 1,401,072.00
   Cash at Beginning of Period 570,123.00 570,123.00 570,123.00 -366,108.00 1,038,090.00 1,038,090.00 1,038,090.00 804,581.00 888,189.00 888,189.00 888,189.00 585,906.00 601,784.00 601,784.00 601,784.00 2,004,738.00 0 0 0
   Cash at End of Period 84,679.00 340,265.00 1,021,269.00 570,123.00 55,765.00 405,594.00 1,250,468.00 1,038,090.00 903,414.00 880,546.00 787,182.00 888,189.00 722,712.00 342,865.00 674,226.00 601,784.00 0 0 0
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0