UBSI
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 13.61 | 13.81 | 14.41 | 12.77 | 13.50 |
| Price to Sales | 717.97 | 720.73 | 829.71 | 855.66 | 955.75 |
| Book Value Per Common Share | 37.00 | 35.47 | 33.51 | 36.50 | 35.81 |
| Price to Book | 1.01 | 1.06 | 1.21 | 0.99 | 0.90 |
| Price to Operating Cash Flow | 11.38 | 11.60 | 7.17 | 7.69 | 27.69 |
| Price to Free Cash Flow | 11.69 | 11.92 | 7.34 | 7.89 | 32.03 |
| Enterprise Value to EBITDA | 46631.75 | 51661.08 | 89000.15 | 86124.75 | 79070.06 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 40.45 | 42.86 | 58.76 | 53.00 | 45.69 | 55.92 | 48.22 | 47.04 | 49.39 | 58.13 | 51.24 | 50.00 | 46.48 |
| Price to Sales | 16.32 | 16.96 | 2818.70 | 19.20 | 3244.00 | 2574.82 | 2771.65 | 2590.58 | 2828.23 | 3453.47 | 3191.23 | 3443.40 | 4648.19 |
| Book Value Per Common Share | 38.58 | 37.80 | 37.34 | 36.74 | 35.94 | 35.66 | 34.27 | 33.09 | 33.33 | 33.77 | 34.41 | 34.13 | 33.68 |
| Price to Book | 0.96 | 0.96 | 0.93 | 1.01 | 0.90 | 1.00 | 1.03 | 1.08 | 1.05 | 1.03 | 1.06 | 1.07 | 1.15 |
| Price to Operating Cash Flow | 34.97 | 57.97 | 41.13 | 40.56 | 38.79 | 40.05 | 11.49 | 22.87 | 16.73 | 16.62 | 17.32 | 61.58 | |
| Price to Free Cash Flow | 35.97 | 60.81 | 42.51 | 41.09 | 40.34 | 41.25 | 16.94 | 63.75 | |||||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 1.47 | -3.20 | -1.06 | 18.33 | |
| Revenue YoY | 0.66 | 6.58 | 19.96 | 34.90 | |
| EBITDA YoY | 11.15 | 59.44 | 12.60 | 10.73 | |
| Net Profit YoY | 1.82 | -3.51 | 3.23 | 27.23 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 8.24 | 44.07 | 589900.00 | -1.41 | 10.94 | -12.33 | 729900.00 | 7.04 | 18.33 | 599900.00 | -2.74 | -12.05 | |
| Revenue YoY | 5.68 | 17341.06 | 19174.39 | -27.66 | 9.72 | 2.03 | 11.13 | 21.17 | -12.72 | 7.68 | 28.57 | ||
| EBITDA YoY | |||||||||||||
| Net Profit YoY | 8.31 | 42.87 | -10.90 | -1.50 | 11.17 | -11.69 | -1.46 | 7.29 | 17.08 | 10.58 | -2.83 | -11.28 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 16.99 | 11.89 | 8.73 | 29.07 | 18.41 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 5.01 | 5.27 | 5.53 | -0.46 | -0.46 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 18.34 | 13.76 | 12.85 | 14.27 | 10.11 | 12.32 | 20.60 | 31.33 | 28.56 | 23.04 | |||
| Quick Ratio | |||||||||||||
| Current Ratio | |||||||||||||
| Debt to Equity | 5.13 | 5.11 | 5.17 | 5.01 | 5.17 | 5.25 | 5.55 | -0.46 | -0.46 | -0.46 | -0.46 | -0.46 | -0.46 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.24 | 1.22 | 1.29 | 1.25 | 1.10 |
| ROE | 7.47 | 7.68 | 8.41 | 0.68 | 0.60 |
| Gross Margin | -256.33 | ||||
| Operating Margin | 14954.41 | 13477.84 | 8834.98 | 9393.55 | 11518.67 |
| EBITDA Margin | 15393.37 | 13940.25 | 9318.33 | 9927.75 | 12094.52 |
| Net Profit Margin | 5283.98 | 5223.34 | 5769.41 | 6704.43 | 7108.29 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.39 | 0.37 | 0.26 | 0.32 | 0.32 | 0.29 | 0.33 | 0.35 | 0.33 | 0.28 | 0.34 | 0.35 | 0.40 |
| ROE | 2.40 | 2.25 | 1.59 | 1.91 | 1.99 | 1.81 | 2.13 | 0.19 | 0.18 | 0.15 | 0.18 | 0.19 | 0.22 |
| Gross Margin | -1562.08 | -326.49 | |||||||||||
| Operating Margin | 14307.54 | 19472.62 | 13609.72 | 12755.59 | 8161.82 | 7900.18 | 8198.33 | 8707.20 | 9719.30 | 14018.80 | |||
| EBITDA Margin | |||||||||||||
| Net Profit Margin | 40.42 | 39.44 | 4814.73 | 36.40 | 7122.29 | 4635.02 | 5759.05 | 5524.23 | 5721.90 | 5921.97 | 6256.08 | 6932.46 | 10046.80 |
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 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | ||||||||||
| Dividend Payout Ratio | 40.41 | 44.27 | 52.82 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 30,023,545.00 | 29,926,482.00 | 29,489,380.00 | 29,328,902.00 | 26,184,247.00 |
| Deposits | 23,961,859.00 | 22,819,319.00 | 22,303,166.00 | 23,350,263.00 | 20,585,160.00 |
| Cash and Short-Term Investments | 2,292,244.00 | 1,598,943.00 | 1,176,652.00 | 3,758,170.00 | 2,209,068.00 |
| Cash and Cash Equivalents | 2,292,244.00 | 1,598,943.00 | 1,176,652.00 | 3,758,170.00 | 2,209,068.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 43,353,991.00 | 259,237.00 | 234,746.00 | 216,016.00 | 235,830.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 267,873.00 | 277,506.00 | 270,305.00 | 279,162.00 | 245,344.00 |
| Real Estate | 327,000.00 | 2,615.00 | 2,052.00 | 14,823.00 | 22,595.00 |
| Goodwill | 1,888,889.00 | 1,888,889.00 | 1,888,889.00 | 1,886,494.00 | 1,796,848.00 |
| Intangible Assets | 0 | 0 | 0 | 1,276.00 | 1,276.00 |
| 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 | 25,030,322.00 | 25,155,242.00 | 24,973,187.00 | -24,610,274.00 | -21,886,627.00 |
| 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 | 4,919,000.00 | 196,095.00 | 160,698.00 | 128,844.00 | 142,300.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 280,221.00 | 278,616.00 | 276,989.00 | 275,323.00 | 269,972.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 4,993,223.00 | 4,771,240.00 | 4,516,193.00 | 53,939,176.00 | 48,070,874.00 |
| Shareholders Equity | 4,993,223.00 | 4,771,240.00 | 4,516,193.00 | 4,718,628.00 | 4,297,620.00 |
| Capital Stock | 356,737.00 | 355,644.00 | 355,029.00 | 353,402.00 | 334,523.00 |
| Share Premium | 3,196,154.00 | 3,181,764.00 | 3,168,874.00 | 3,149,955.00 | 2,894,471.00 |
| Retained Earnings | 1,917,726.00 | 1,745,619.00 | 1,575,426.00 | 1,390,777.00 | 1,205,395.00 |
| Treasury Shares | -253,491.00 | -252,106.00 | -250,404.00 | 170,618.00 | 159,139.00 |
| Accumulated Other Comprehensive Income | -223,903.00 | -259,681.00 | -332,732.00 | -4,888.00 | 22,370.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 24,939,794.00 | 4,125,754.00 | 4,872,604.00 | 4,295,749.00 | 222,107.00 |
| Debt | 366,992.00 | 371,501.00 | 362,630.00 | 371,898.00 | 353,050.00 |
| 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 | 7,059.00 | 7,013.00 | 6,580.00 | 5,485.00 | 4,066.00 |
| Cost Of Revenue | 25,153.00 | 0 | 0 | 0 | 0 |
| Interest Income | 1,502,121.00 | 1,401,320.00 | 1,001,990.00 | 795,117.00 | 798,382.00 |
| Interest Expense | 591,053.00 | 481,396.00 | 105,559.00 | 52,383.00 | 108,609.00 |
| Net Interest | 911,068.00 | 919,924.00 | 896,431.00 | 742,734.00 | 689,773.00 |
| Non-Interest Income | 123,695.00 | 135,258.00 | 153,261.00 | 278,092.00 | 354,746.00 |
| Non-Interest Expense | -545,031.00 | -560,224.00 | -555,087.00 | -581,943.00 | -578,217.00 |
| Provisions for Credit Losses | -25,153.00 | 0 | 0 | 0 | 0 |
| Gross Profit | -18,094.00 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 310,348.00 | 306,630.00 | 317,534.00 | 353,450.00 | 351,384.00 |
| EBT | 464,579.00 | 463,805.00 | 475,783.00 | 462,853.00 | 359,740.00 |
| Income Tax | 91,583.00 | 97,492.00 | 96,156.00 | 95,115.00 | 70,717.00 |
| Net Income | 372,996.00 | 366,313.00 | 379,627.00 | 367,738.00 | 289,023.00 |
| EBIT | 1,055,632.00 | 945,201.00 | 581,342.00 | 515,236.00 | 468,349.00 |
| Deprecation and Amortization | 30,986.00 | 32,429.00 | 31,804.00 | 29,301.00 | 23,414.00 |
| EBITDA | 1,086,618.00 | 977,630.00 | 613,146.00 | 544,537.00 | 491,763.00 |
| 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 | 134,947.59 | 134,505.06 | 134,776.24 | 129,276.45 | 120,017.25 |
| Average Shares Outstanding Diluted | 135,225.42 | 134,753.82 | 135,117.51 | 129,512.85 | 120,090.23 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 445,454.00 | 435,237.00 | 760,822.00 | 609,539.00 | 140,447.00 |
| Operating Net Income | 372,996.00 | 366,313.00 | 379,627.00 | 367,738.00 | 289,023.00 |
| Deprecation and Amortization | 30,986.00 | 32,429.00 | 31,804.00 | 29,301.00 | 23,414.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 12,130.00 | 12,463.00 | 9,881.00 | 8,018.00 | 5,980.00 |
| Change in Working Capital | 4,649.00 | 15,166.00 | 61,245.00 | 29,745.00 | 37,659.00 |
| Other Operating Activities | 24,693.00 | 8,866.00 | 278,265.00 | 174,737.00 | -215,629.00 |
| Investing Cash Flow | 571,485.00 | 38,994.00 | -3,447,656.00 | 15,654.00 | 137,585.00 |
| Capital Expenditure | -12,128.00 | -11,687.00 | -16,862.00 | -15,380.00 | -19,025.00 |
| Net Purchase/Sale of PPE | -12,027.00 | -9,145.00 | -15,960.00 | -13,762.00 | -14,671.00 |
| Net Purchase/Sale of Investments Net | 878,254.00 | 824,410.00 | -1,080,769.00 | -807,249.00 | 541,963.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 39,420.00 | 629,107.00 |
| Net Loan & Lease Activity | -318,049.00 | -800,974.00 | -2,367,060.00 | 882,147.00 | -619,976.00 |
| Other Investing Activities | 35,435.00 | 36,390.00 | 32,995.00 | -69,522.00 | -379,813.00 |
| Financing Cash Flow | -323,638.00 | -51,940.00 | 105,316.00 | 923,909.00 | 1,093,543.00 |
| Net Issuance/Repayment of Debt | -1,250,000.00 | -400,000.00 | 1,380,000.00 | -97,791.00 | -1,347,000.00 |
| Net Issuance/Repurchase of Equity | 6,314.00 | 3,132.00 | 89,755.00 | 16,417.00 | 22,559.00 |
| Dividends Paid | 200,727.00 | 194,727.00 | 193,041.00 | 181,277.00 | 162,713.00 |
| Other Financing Activities | 719,321.00 | 150,201.00 | -1,557,480.00 | 824,006.00 | 2,255,271.00 |
| Net Change in Cash | 693,301.00 | 422,291.00 | -2,581,518.00 | 1,549,102.00 | 1,371,575.00 |
| Cash at Beginning of Period | 1,598,943.00 | 1,176,652.00 | 3,758,170.00 | 0 | 0 |
| Cash at End of Period | 2,292,244.00 | 1,598,943.00 | 1,176,652.00 | 0 | 0 |
| Free Cash Flow | 433,326.00 | 423,550.00 | 743,960.00 | 594,159.00 | 121,422.00 |
| 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 | 2023-03-31 | 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 | 33,407,181.00 | 32,783,363.00 | 32,788,494.00 | 30,023,545.00 | 29,863,262.00 | 29,957,418.00 | 30,028,798.00 | 29,926,482.00 | 30,182,241.00 | 29,489,380.00 | 29,048,475.00 | 28,777,896.00 | 29,365,511.00 | 29,328,902.00 | 27,507,517.00 | 27,190,926.00 | 27,030,755.00 | 26,184,247.00 |
| Deposits | 0 | 0 | 26,364,635.00 | 23,961,859.00 | 0 | 23,066,440.00 | 22,919,746.00 | 22,819,319.00 | 22,284,586.00 | 22,303,166.00 | 22,863,377.00 | 23,026,649.00 | 23,474,301.00 | 23,350,263.00 | 21,822,609.00 | 21,567,391.00 | 21,396,474.00 | 20,585,160.00 |
| Cash and Short-Term Investments | 0 | 0 | 2,610,183.00 | 2,292,244.00 | 0 | 1,858,861.00 | 1,732,646.00 | 1,598,943.00 | 1,918,693.00 | 1,176,652.00 | 1,356,347.00 | 1,658,486.00 | 2,803,093.00 | 3,758,170.00 | 4,033,561.00 | 3,677,396.00 | 2,963,138.00 | 2,209,068.00 |
| Cash and Cash Equivalents | 2,517,374.00 | 2,313,384.00 | 2,610,183.00 | 2,292,244.00 | 1,907,579.00 | 1,858,861.00 | 1,732,646.00 | 1,598,943.00 | 1,918,693.00 | 1,176,652.00 | 1,356,347.00 | 1,658,486.00 | 2,803,093.00 | 3,758,170.00 | 4,033,561.00 | 3,677,396.00 | 2,963,138.00 | 2,209,068.00 |
| Short-Term Investments | 3,023,976.00 | 293,996.00 | 0 | 0 | 3,239,501.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 112,077.00 | 107,487.00 | 47,737,150.00 | 43,353,991.00 | 107,031.00 | 42,674,308.00 | 0 | 259,237.00 | 0 | 234,746.00 | 0 | 0 | 0 | 216,016.00 | 26.00 | 29.00 | 0 | 235,830.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 297,638.00 | 299,869.00 | 296,784.00 | 267,873.00 | 269,408.00 | 272,858.00 | 277,062.00 | 277,506.00 | 272,455.00 | 270,305.00 | 272,788.00 | 272,776.00 | 277,264.00 | 279,162.00 | 247,528.00 | 237,996.00 | 243,113.00 | 245,344.00 |
| Real Estate | 0 | 0 | 1,475.00 | 327,000.00 | 0 | 2,156.00 | 2,670.00 | 2,615.00 | 4,086.00 | 2,052.00 | 10,779.00 | 13,847.00 | 13,641.00 | 14,823.00 | 16,696.00 | 18,474.00 | 18,690.00 | 22,595.00 |
| Goodwill | 2,018,864.00 | 2,018,910.00 | 2,023,604.00 | 1,888,889.00 | 1,888,889.00 | 1,888,889.00 | 1,888,889.00 | 1,888,889.00 | 1,888,889.00 | 1,888,889.00 | 1,888,889.00 | 1,888,889.00 | 1,889,244.00 | 1,886,494.00 | 1,810,040.00 | 1,810,040.00 | 1,804,038.00 | 1,796,848.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,276.00 | 1,276.00 | 1,276.00 | 1,276.00 | 1,276.00 |
| Long-Term Investments | 3,359,524.00 | 3,396,653.00 | 0 | 0 | 3,538,415.00 | 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 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 27,961,466.00 | 27,418,822.00 | 27,474,045.00 | 25,030,322.00 | 24,895,442.00 | 25,100,785.00 | 25,221,357.00 | 25,155,242.00 | 25,575,704.00 | 24,973,187.00 | -24,608,389.00 | -24,290,846.00 | -24,770,371.00 | -24,610,274.00 | -23,076,751.00 | -22,797,213.00 | -22,698,057.00 | -21,886,627.00 |
| Payables and Expenses | 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 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 176,015.00 | 4,919,000.00 | 0 | 203,519.00 | 207,727.00 | 196,095.00 | 170,094.00 | 160,698.00 | 0 | 128,242.00 | 136,370.00 | 128,844.00 | 0 | 0 | 0 | 142,300.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 627,319.00 | 647,920.00 | 280,623.00 | 280,221.00 | 628,555.00 | 279.42 | 279.02 | 278,616.00 | 277,400.00 | 276,989.00 | 276,575.00 | 276,161.00 | 275,743.00 | 275,323.00 | 271.20 | 270.79 | 270.38 | 269,972.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 5,445,715.00 | 5,364,541.00 | 5,314,449.00 | 4,993,223.00 | 4,967,820.00 | 4,856,633.00 | 4,807,441.00 | 4,771,240.00 | 4,606,537.00 | 4,516,193.00 | 53,656,864.00 | 53,068,742.00 | 54,135,882.00 | 53,939,176.00 | 50,584,268.00 | 49,988,139.00 | 49,728,812.00 | 48,070,874.00 |
| Shareholders Equity | 5,445,715.00 | 5,364,541.00 | 5,314,449.00 | 4,993,223.00 | 4,967,820.00 | 4,856,633.00 | 4,807,441.00 | 4,771,240.00 | 4,606,537.00 | 4,516,193.00 | 4,440,086.00 | 4,487,050.00 | 4,595,140.00 | 4,718,628.00 | 4,430,766.00 | 4,393,713.00 | 4,332,698.00 | 4,297,620.00 |
| Capital Stock | 377,081.00 | 377,077.00 | 377,076.00 | 356,737.00 | 356,418.00 | 356,354.00 | 356,341.00 | 355,644.00 | 355,595.00 | 355,029.00 | 354,745.00 | 354,616.00 | 354,458.00 | 353,402.00 | 335,419.00 | 335,414.00 | 335,340.00 | 334,523.00 |
| Share Premium | 3,464,927.00 | 3,461,258.00 | 3,457,837.00 | 3,196,154.00 | 3,190,163.00 | 3,186,388.00 | 3,183,198.00 | 3,181,764.00 | 3,171,895.00 | 3,168,874.00 | 3,163,776.00 | 3,159,928.00 | 3,156,101.00 | 3,149,955.00 | 2,903,576.00 | 2,901,591.00 | 2,898,807.00 | 2,894,471.00 |
| Retained Earnings | 2,094,957.00 | 2,016,671.00 | 1,948,696.00 | 1,917,726.00 | 1,873,577.00 | 1,828,523.00 | 1,782,220.00 | 1,745,619.00 | 1,625,013.00 | 1,575,426.00 | 1,524,265.00 | 1,470,244.00 | 1,423,175.00 | 1,390,777.00 | 1,363,488.00 | 1,316,607.00 | 1,267,039.00 | 1,205,395.00 |
| Treasury Shares | 333,435.00 | 306,737.00 | -274,152.00 | -253,491.00 | 253,426.00 | 253,403.00 | -253,326.00 | -252,106.00 | -251,836.00 | -250,404.00 | 250,396.00 | 250,381.00 | 196,902.00 | 170,618.00 | 170,478.00 | 170,422.00 | 170,349.00 | 159,139.00 |
| Accumulated Other Comprehensive Income | -157,815.00 | -183,728.00 | -195,008.00 | -223,903.00 | -198,912.00 | -261,229.00 | -260,992.00 | -259,681.00 | -294,130.00 | -332,732.00 | -352,304.00 | -247,357.00 | -141,692.00 | -4,888.00 | -1,239.00 | 10,523.00 | 1,861.00 | 22,370.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 27,188,075.00 | 24,939,794.00 | 0 | 25,261,009.00 | 3,954,519.00 | 4,125,754.00 | 4,777,587.00 | 4,872,604.00 | 4,923,694.00 | 5,073,618.00 | 5,020,712.00 | 4,295,749.00 | 224,097.00 | 222,920.00 | 220,205.00 | 222,107.00 |
| Debt | 627,319.00 | 647,920.00 | 392,544.00 | 366,992.00 | 628,555.00 | 368,729.00 | 371,285.00 | 371,501.00 | 358,794.00 | 362,630.00 | 365,210.00 | 365,830.00 | 367,298.00 | 371,898.00 | 361,587.00 | 351,203.00 | 353,778.00 | 353,050.00 |
| Common Shares Outstanding | 141,170.26 | 141,909.45 | 0 | 0 | 135,220.77 | 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 | 2023-03-31 | 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 | 322,743.00 | 305,393.00 | 1,751.00 | -257,337.00 | 261,168.00 | 1,355.00 | 1,873.00 | 1,707.00 | 1,673.00 | 1,857.00 | 1,671.00 | 1,379.00 | 1,580.00 | 1,473.00 | 1,368.00 | 1,064.00 |
| Cost Of Revenue | 0 | 0 | 29,103.00 | 19,374.00 | 0 | 5,779.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Income | 430,957.00 | 421,196.00 | 403,647.00 | 376,034.00 | 382,723.00 | 374,184.00 | 369,180.00 | 329,303.00 | 307,741.00 | 263,683.00 | 227,771.00 | 202,795.00 | 195,194.00 | 194,080.00 | 200,186.00 | 205,657.00 |
| Interest Expense | 150,842.00 | 146,659.00 | 143,592.00 | 143,426.00 | 152,467.00 | 148,469.00 | 146,691.00 | 94,983.00 | 58,337.00 | 23,061.00 | 12,868.00 | 11,293.00 | 11,516.00 | 12,501.00 | 13,669.00 | 14,697.00 |
| Net Interest | 0 | 0 | 260,055.00 | 462,864.00 | 0 | 225,715.00 | 222,489.00 | 234,320.00 | 249,404.00 | 240,622.00 | 214,903.00 | 191,502.00 | 183,678.00 | 181,579.00 | 186,517.00 | 190,960.00 |
| Non-Interest Income | 0 | 0 | 29,554.00 | 61,260.00 | 0 | 30,223.00 | 32,212.00 | 32,744.00 | 30,881.00 | 32,749.00 | 43,608.00 | 46,023.00 | 54,049.00 | 68,624.00 | 62,846.00 | 92,573.00 |
| Non-Interest Expense | 146,165.00 | 147,416.00 | -153,573.00 | -403,824.00 | 134,309.00 | -134,774.00 | -140,742.00 | -137,419.00 | -137,544.00 | -137,196.00 | -141,174.00 | -139,173.00 | -151,789.00 | -142,276.00 | -138,951.00 | -148,927.00 |
| Provisions for Credit Losses | 0 | 0 | -29,103.00 | -19,374.00 | 0 | -5,779.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit | 0 | 0 | -27,352.00 | -13,670.00 | 0 | -4,424.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 83,078.00 | 80,895.00 | 81,922.00 | 78,155.00 | 75,903.00 | 77,191.00 | 79,099.00 | 74,720.00 | 76,455.00 | 78,513.00 | 81,387.00 | 81,179.00 | 93,047.00 | 84,410.00 | 85,614.00 | 90,379.00 |
| EBT | 164,483.00 | 152,088.00 | 106,933.00 | 121,059.00 | 119,916.00 | 115,385.00 | 108,219.00 | 122,755.00 | 126,373.00 | 128,504.00 | 119,144.00 | 101,762.00 | 93,343.00 | 115,756.00 | 119,291.00 | 134,463.00 |
| Income Tax | 33,735.00 | 31,367.00 | 22,627.00 | 26,651.00 | 24,649.00 | 18,878.00 | 21,405.00 | 24,448.00 | 26,608.00 | 25,919.00 | 23,531.00 | 20,098.00 | 19,491.00 | 23,604.00 | 24,455.00 | 27,565.00 |
| Net Income Including Non-Controlling Interests | 130,748.00 | 120,721.00 | 0 | 0 | 95,267.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Income | 130,455.00 | 120,448.00 | 84,306.00 | 94,619.00 | 95,056.00 | 96,507.00 | 86,814.00 | 98,307.00 | 99,765.00 | 102,585.00 | 95,613.00 | 81,664.00 | 73,852.00 | 92,152.00 | 94,836.00 | 106,898.00 |
| EBIT | 0 | 0 | 250,525.00 | 536,868.00 | 0 | 263,854.00 | 254,910.00 | 217,738.00 | 184,710.00 | 151,565.00 | 132,012.00 | 113,055.00 | 104,859.00 | 128,257.00 | 132,960.00 | 149,160.00 |
| Deprecation and Amortization | 0 | 0 | 0.00 | 30,986.00 | 0 | 0.00 | 0.00 | 0.00 | 31,804.00 | 0.00 | 0.00 | 0.00 | 29,301.00 | 0.00 | 0.00 | 0.00 |
| EBITDA | 0 | 0 | 0 | 1,086,618.00 | 0 | 0 | 0 | 0 | 613,146.00 | 0 | 0 | 0 | 544,537.00 | 0 | 0 | 0 |
| 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 |
| 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 |
| Average Shares Outstanding Basic | 141,547.68 | 142,206.54 | 142,330.69 | 134,685.36 | 135,158.48 | 135,137.90 | 134,808.63 | 134,411.17 | 134,241.33 | 134,182.25 | 134,623.06 | 136,058.33 | 130,956.40 | 128,762.82 | 128,750.85 | 128,635.74 |
| Average Shares Outstanding Diluted | 141,960.61 | 142,444.50 | 142,698.12 | 134,960.59 | 135,504.91 | 135,314.79 | 135,121.38 | 134,840.33 | 134,617.60 | 134,553.57 | 134,863.65 | 136,435.23 | 131,166.34 | 128,960.22 | 129,033.99 | 128,890.86 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 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 | 150,641.00 | 89,364.00 | 119,982.00 | 197,465.00 | 123,618.00 | 0.00 | 124,371.00 | 118,154.00 | -146,558.00 | 417,362.00 | 206,411.00 | 283,607.00 | -24,240.00 | 281,820.00 | 271,375.00 | 80,584.00 |
| Operating Net Income | 0 | 0 | 0 | 372,996.00 | 0 | 0.00 | 0 | 0 | 379,627.00 | 0.00 | 0.00 | 0 | 367,738.00 | 0.00 | 0.00 | 0 |
| Deprecation and Amortization | 0 | 0 | 0 | 30,986.00 | 0 | 0.00 | 0 | 0 | 31,804.00 | 0.00 | 0.00 | 0 | 29,301.00 | 0.00 | 0.00 | 0 |
| Deferred Income Tax | 0 | 0 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0.00 | 0.00 | 0 | 0 | 0.00 | 0.00 | 0 |
| Share Based Compensation | 0 | 0 | 0 | 12,130.00 | 0 | 0.00 | 0 | 0 | 9,881.00 | 0.00 | 0.00 | 0 | 8,018.00 | 0.00 | 0.00 | 0 |
| Change in Working Capital | 0 | 0 | 14,300.00 | -15,314.00 | 0 | 0.00 | 19,963.00 | 23,579.00 | 43,820.00 | 0.00 | 0.00 | 17,425.00 | 18,136.00 | 0.00 | 0.00 | 11,609.00 |
| Other Operating Activities | 150,641.00 | 89,364.00 | 105,682.00 | -203,333.00 | 123,618.00 | 0.00 | 104,408.00 | 94,575.00 | -611,690.00 | 417,362.00 | 206,411.00 | 266,182.00 | -447,433.00 | 281,820.00 | 271,375.00 | 68,975.00 |
| Investing Cash Flow | -402,772.00 | -255,145.00 | -18,674.00 | 388,456.00 | 185,462.00 | 0.00 | -2,433.00 | 91,434.00 | 674,585.00 | -2,043,996.00 | -774,648.00 | -1,303,597.00 | -194,726.00 | -83,378.00 | 332,743.00 | -38,985.00 |
| Capital Expenditure | 0 | 0 | -3,895.00 | -7,356.00 | 0 | 0.00 | -4,772.00 | -3,447.00 | -13,353.00 | 0.00 | 0.00 | -3,509.00 | -12,646.00 | 0.00 | 0.00 | -2,734.00 |
| Net Purchase/Sale of PPE | -3,143.00 | -3,805.00 | -3,894.00 | -5,736.00 | -1,582.00 | 0.00 | -4,709.00 | -982.00 | -2,043.00 | -8,636.00 | -2,329.00 | -2,952.00 | -1,271.00 | -7,514.00 | -2,245.00 | -2,732.00 |
| Net Purchase/Sale of Investments Net | 82,051.00 | -64,784.00 | 83,362.00 | 519,546.00 | 195,841.00 | 0.00 | 162,867.00 | 147,502.00 | 1,011,375.00 | -950,656.00 | -206,683.00 | -934,805.00 | -1,551,096.00 | 385,871.00 | 127,182.00 | 230,794.00 |
| Net Purchase/Sale of Business | 0 | 0 | 77,476.00 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0.00 | 0.00 | 0 | 39,420.00 | 0.00 | 0.00 | 0 |
| Net Loan & Lease Activity | -318,049.00 | -800,974.00 | -2,367,060.00 | 882,147.00 | -619,976.00 | |||||||||||
| Other Investing Activities | -481,680.00 | -186,556.00 | 6,065.00 | 39,376.00 | -8,797.00 | 0.00 | 4,856.00 | 3,299.00 | 12,515.00 | 9,118.00 | 7,279.00 | 4,083.00 | 1,542,969.00 | -845,129.00 | -273,082.00 | -494,280.00 |
| Financing Cash Flow | 456,158.00 | -129,710.00 | 216,631.00 | -76,294.00 | -259,109.00 | 0.00 | 11,765.00 | 532,453.00 | 247,355.00 | 369,418.00 | -576,370.00 | 64,913.00 | -810,495.00 | 911,793.00 | 110,140.00 | 712,471.00 |
| Net Issuance/Repayment of Debt | -20,575.00 | 0 | -10,000.00 | -250,000.00 | -950,000.00 | 0.00 | -50,000.00 | 600,000.00 | 900,000.00 | 500,000.00 | -20,000.00 | 0 | 2,209.00 | -50,000.00 | 0.00 | -50,000.00 |
| Net Issuance/Repurchase of Equity | -26,504.00 | -32,555.00 | 20,667.00 | 4,591.00 | -9.00 | 0.00 | 1,732.00 | 2,933.00 | -28,704.00 | 32,630.00 | 54,741.00 | 31,088.00 | -13,829.00 | 14,675.00 | 896.00 | 14,675.00 |
| Dividends Paid | -52,717.00 | -53,326.00 | 50,478.00 | 200,802.00 | -50,212.00 | 0.00 | 50,137.00 | 48,651.00 | 1,907.00 | 95,192.00 | 49,287.00 | 46,655.00 | -158.00 | 90,720.00 | 45,268.00 | 45,447.00 |
| Other Financing Activities | 555,954.00 | -43,829.00 | 155,486.00 | -31,687.00 | 741,112.00 | 0.00 | 9,896.00 | -119,131.00 | -625,848.00 | -258,404.00 | -660,398.00 | -12,830.00 | -798,717.00 | 856,398.00 | 63,976.00 | 702,349.00 |
| Net Change in Cash | 204,027.00 | -295,491.00 | 317,939.00 | 509,627.00 | 49,971.00 | 0.00 | 133,703.00 | 742,041.00 | 775,382.00 | -1,257,216.00 | -1,144,607.00 | -955,077.00 | -1,029,461.00 | 1,110,235.00 | 714,258.00 | 754,070.00 |
| Cash at Beginning of Period | 2,314,692.00 | 2,610,183.00 | 2,292,244.00 | 1,782,617.00 | 1,858,861.00 | 0 | 1,598,943.00 | 1,176,652.00 | 401,270.00 | 2,613,563.00 | 2,803,093.00 | 3,758,170.00 | 0.00 | 0 | 0 | 0 |
| Cash at End of Period | 2,518,719.00 | 2,314,692.00 | 2,610,183.00 | 2,292,244.00 | 1,908,832.00 | 1,858,861.00 | 1,732,646.00 | 1,918,693.00 | 1,176,652.00 | 1,356,347.00 | 1,658,486.00 | 2,803,093.00 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 146,417.00 | 85,198.00 | 116,087.00 | 191,694.00 | 122,033.00 | 0.00 | 119,599.00 | 114,707.00 | 463,862.00 | 0.00 | 0.00 | 280,098.00 | 516,309.00 | 0.00 | 0.00 | 77,850.00 |