UFCS
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 11.61 | -5.58 | |||
| Price to Sales | 0.57 | 0.46 | 0.70 | 0.55 | 0.59 |
| Book Value Per Common Share | 30.80 | 29.04 | 29.36 | 35.05 | 32.93 |
| Price to Book | 0.92 | 0.69 | 0.93 | 0.66 | 0.76 |
| Price to Operating Cash Flow | 2.12 | 2.96 | -550.50 | 19.45 | 3.21 |
| Price to Free Cash Flow | 2.19 | 3.16 | -203.12 | 36.50 | 3.55 |
| Enterprise Value to EBITDA | 72380.40 | 215981.37 | 48389.10 |
| 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 | 19.75 | 31.89 | 42.09 | 26.83 | -195.36 | 41.08 | 79.00 | -10.16 | 885.00 | -31.57 | -81.50 | 27.50 | -60.79 | 50.42 | 46.40 | |||||
| Price to Sales | 2.19 | 2.18 | 2.26 | 1.64 | 1.81 | 1.86 | 1.82 | 2.14 | 2.51 | 3.07 | 3.92 | 3.18 | 2.33 | 2.85 | 2.90 | |||||
| Book Value Per Common Share | 35.22 | 33.18 | 32.13 | 30.80 | 31.01 | 28.68 | 29.13 | 29.04 | 25.53 | 26.77 | 29.80 | 29.36 | 27.82 | 31.00 | 33.27 | 35.05 | 32.48 | 33.42 | 32.79 | 32.93 |
| Price to Book | 0.86 | 0.87 | 0.92 | 0.92 | 0.67 | 0.75 | 0.75 | 0.69 | 0.77 | 0.85 | 0.89 | 0.93 | 1.03 | 1.10 | 0.93 | 0.66 | 0.71 | 0.83 | 1.06 | 0.76 |
| Price to Operating Cash Flow | 20.97 | 15.22 | -98.66 | 489.29 | 44.75 | |||||||||||||||
| Price to Free Cash Flow | 22.55 | 16.40 | -71.22 | -851.23 | 55.74 | |||||||||||||||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | |||||
| Revenue YoY | 14.41 | 11.75 | -8.06 | -0.23 | |
| EBITDA YoY | -73.43 | ||||
| Net Profit YoY | -81.35 |
| 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 | 71.11 | 28.57 | 699900.00 | 529900.00 | 29900.00 | 564900.00 | -26.67 | |||||||||||||
| Revenue YoY | 5.53 | 1.32 | -0.62 | 7.24 | 1.75 | 3.02 | 2.57 | -0.01 | -4.66 | 7.31 | -10.40 | -10.09 | 1.69 | -18.73 | ||||||
| EBITDA YoY | -65.39 | -56.17 | ||||||||||||||||||
| Net Profit YoY | 70.78 | 29.64 | -43.71 | -31.14 | -96.55 | -50.90 | -26.48 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 7.94 | 6.22 | 10.57 | 13.78 | 11.78 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 3.46 | 3.29 | 2.89 | 2.43 | 2.72 |
| 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 | 9.17 | 7.95 | 7.26 | 7.92 | 7.79 | 6.06 | 8.62 | 6.22 | 4.76 | 8.30 | 8.44 | 10.55 | 8.05 | 10.16 | 12.11 | 13.79 | 13.30 | 12.59 | 10.59 | 11.77 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 3.18 | 3.33 | 3.32 | 3.46 | 3.51 | 3.69 | 3.40 | 3.29 | 3.73 | 3.46 | 2.86 | 2.89 | 3.02 | 2.69 | 2.51 | 2.43 | 2.70 | 2.64 | 2.72 | 2.72 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.78 | -0.94 | 0.52 | 2.68 | -3.67 |
| ROE | 7.93 | -4.05 | 2.03 | 9.17 | -13.66 |
| Gross Margin | 40.59 | 29.76 | 34.99 | 38.83 | 18.64 |
| Operating Margin | 6.73 | -3.33 | 1.56 | 9.38 | -15.86 |
| EBITDA Margin | 7.96 | -1.72 | 3.26 | 11.27 | -14.26 |
| Net Profit Margin | 4.94 | -2.71 | 1.53 | 7.56 | -10.55 |
| 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 | 1.04 | 0.63 | 0.50 | 0.56 | -0.08 | 0.42 | 0.21 | -1.87 | 0.02 | -0.82 | -0.36 | 0.97 | -0.32 | 0.45 | 0.61 | |||||
| ROE | 4.36 | 2.71 | 2.16 | 2.51 | -0.38 | 1.83 | 0.99 | -8.34 | 0.09 | -3.28 | -1.34 | 3.39 | -1.18 | 1.64 | 2.27 | |||||
| Gross Margin | 46.84 | 42.25 | 42.71 | 42.05 | 33.15 | 39.31 | 36.92 | 6.12 | 34.63 | 22.57 | 30.99 | 46.79 | 29.41 | 37.75 | 31.37 | |||||
| Operating Margin | 14.63 | 9.45 | 7.35 | 8.50 | -0.77 | 5.79 | 3.35 | -26.74 | 0.30 | -12.92 | -6.04 | 14.50 | -5.48 | 7.31 | 7.81 | |||||
| EBITDA Margin | 8.18 | 7.26 | 1.96 | 16.37 | 9.55 | |||||||||||||||
| Net Profit Margin | 11.07 | 6.84 | 5.35 | 6.11 | -0.91 | 4.56 | 2.33 | -21.11 | 0.26 | -9.76 | -4.76 | 11.57 | -3.86 | 5.63 | 6.22 |
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 | 3,488,469.00 | 3,144,190.00 | 2,882,286.00 | 3,012,721.00 | 3,069,678.00 |
| Cash and Short-Term Investments | 201,049.00 | 157,165.00 | 266,031.00 | 345,780.00 | 294,808.00 |
| Cash and Cash Equivalents | 200,949.00 | 102,046.00 | 96,650.00 | 132,104.00 | 87,948.00 |
| Short-Term Investments | 100.00 | 55,119.00 | 169,381.00 | 213,676.00 | 206,860.00 |
| Net Receivables | 480,777.00 | 502,188.00 | 411,627.00 | 362,545.00 | 493,329.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 157,433.00 | 163,431.00 | 159,585.00 | 167,525.00 | 148,493.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 3,906.00 | 4,615.00 | 5,324.00 | 6,034.00 | 6,743.00 |
| Long-Term Investments | 183,741.00 | 99,507.00 | 86,276.00 | 84,090.00 | 69,305.00 |
| Non-Current Deferred Assets | 23,018.00 | 13,621.00 | 15,531.00 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 2,706,938.00 | 2,410,445.00 | 2,142,172.00 | 2,133,600.00 | 2,244,529.00 |
| 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 | 781,531.00 | 733,745.00 | 740,114.00 | 879,121.00 | 825,149.00 |
| Shareholders Equity | 781,531.00 | 733,745.00 | 740,114.00 | 879,121.00 | 825,149.00 |
| Capital Stock | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 |
| Share Premium | 215,851.00 | 209,986.00 | 207,030.00 | 203,375.00 | 202,359.00 |
| Retained Earnings | 620,436.00 | 574,691.00 | 620,555.00 | 621,384.00 | 555,854.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -54,781.00 | -50,957.00 | -87,496.00 | 54,337.00 | 66,911.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 2,276,935.00 | 2,041,120.00 | 2,100,548.00 | 2,362,452.00 | 4,298,510.00 |
| Debt | 21,867.00 | 29,668.00 | 26,924.00 | 30,372.00 | 19,244.00 |
| Common Shares Outstanding | 25,378.29 | 25,269.84 | 25,210.54 | 25,082.10 | 25,055.48 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 1,253,307.00 | 1,095,467.00 | 980,286.00 | 1,066,191.00 | 1,068,627.00 |
| Net Premiums | 1,176,750.00 | 1,034,587.00 | 951,541.00 | 962,823.00 | 1,055,082.00 |
| Cost Of Revenue | 744,605.00 | 769,414.00 | 637,301.00 | 652,155.00 | 869,467.00 |
| Interest Expense | 7,281.00 | 3,260.00 | 3,188.00 | 3,187.00 | 0.00 |
| Provisions for Credit Losses | 10.00 | 6.00 | 109.00 | 5.00 | 4.00 |
| Gross Profit | 508,702.00 | 326,053.00 | 342,985.00 | 414,036.00 | 199,160.00 |
| Selling, General and Administrative Expenses | 5,517.00 | 3,246.00 | 8,763.00 | 7,350.00 | 7,611.00 |
| EBT | 77,034.00 | -39,721.00 | 12,077.00 | 96,843.00 | -169,515.00 |
| Income Tax | 15,077.00 | 10,021.00 | 2,954.00 | 16,249.00 | 56,809.00 |
| Net Income | 61,957.00 | -29,700.00 | 15,031.00 | 80,594.00 | -112,706.00 |
| EBIT | 84,315.00 | -36,461.00 | 15,265.00 | 100,030.00 | -169,515.00 |
| Deprecation and Amortization | 15,435.00 | 17,600.00 | 16,670.00 | 20,167.00 | 17,100.00 |
| EBITDA | 99,750.00 | -18,861.00 | 31,935.00 | 120,197.00 | -152,415.00 |
| EPS | 0.00 | 0 | 0 | 0 | -0.00 |
| Diluted EPS | 0.00 | 0 | 0 | 0 | -0.00 |
| Average Shares Outstanding Basic | 25,319.97 | 25,249.27 | 25,160.81 | 25,092.30 | 25,027.36 |
| Average Shares Outstanding Diluted | 25,917.76 | 25,249.27 | 25,318.20 | 25,519.73 | 25,027.36 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 340,304.00 | 171,736.00 | -1,251.00 | 29,917.00 | 195,576.00 |
| Operating Net Income | 61,957.00 | -29,700.00 | 15,031.00 | 80,594.00 | -112,706.00 |
| Deprecation and Amortization | 15,435.00 | 17,600.00 | 16,670.00 | 20,167.00 | 17,100.00 |
| Deferred Income Tax | -8,391.00 | -8,308.00 | -3,930.00 | 5,632.00 | -17,468.00 |
| Share Based Compensation | 5,517.00 | 3,246.00 | 2,826.00 | 3,444.00 | 4,992.00 |
| Change in Working Capital | 3,313.00 | -21,547.00 | 100.00 | -18,150.00 | -37,172.00 |
| Other Operating Activities | 262,473.00 | 210,445.00 | -31,948.00 | -61,770.00 | 340,830.00 |
| Investing Cash Flow | -292,487.00 | -149,886.00 | -19,171.00 | 31,731.00 | -185,742.00 |
| Capital Expenditure | -11,870.00 | -10,886.00 | -2,137.00 | -13,976.00 | -18,862.00 |
| Net Purchase/Sale of PPE | -11,870.00 | -10,886.00 | -2,137.00 | -13,976.00 | -18,862.00 |
| Net Purchase/Sale of Investments Net | -202,274.00 | -115,612.00 | -16,285.00 | 48,964.00 | -68,310.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | -66,473.00 | -12,502.00 | 1,388.00 | 10,719.00 | -79,708.00 |
| Financing Cash Flow | 51,086.00 | -16,454.00 | -15,032.00 | -17,492.00 | 18,662.00 |
| Net Issuance/Repayment of Debt | 70,000.00 | 0 | 0 | 0 | 50,000.00 |
| Net Issuance/Repurchase of Equity | 348.00 | -290.00 | 828.00 | 1,586.00 | 2,670.00 |
| Dividends Paid | 16,212.00 | 16,164.00 | 15,860.00 | 15,064.00 | 28,526.00 |
| Other Financing Activities | -35,474.00 | -32,328.00 | -31,720.00 | -34,142.00 | -62,534.00 |
| Net Change in Cash | 98,903.00 | 5,396.00 | -35,454.00 | 44,156.00 | -32,774.00 |
| Cash at Beginning of Period | 102,046.00 | 96,650.00 | 132,104.00 | 87,948.00 | 120,722.00 |
| Cash at End of Period | 200,949.00 | 102,046.00 | 96,650.00 | 132,104.00 | 87,948.00 |
| Free Cash Flow | 328,434.00 | 160,850.00 | -3,388.00 | 15,941.00 | 176,714.00 |
| 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 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 3,753,912.00 | 3,661,130.00 | 3,528,264.00 | 3,488,469.00 | 3,546,132.00 | 3,408,697.00 | 3,244,635.00 | 3,144,190.00 | 3,051,779.00 | 3,017,877.00 | 2,898,403.00 | 2,882,286.00 | 2,818,900.00 | 2,885,194.00 | 2,929,997.00 | 3,012,721.00 | 3,010,654.00 | 3,058,153.00 | 3,064,967.00 | 3,069,678.00 |
| Cash and Short-Term Investments | 233,737.00 | 202,398.00 | 184,268.00 | 201,049.00 | 197,471.00 | 153,530.00 | 217,885.00 | 157,165.00 | 120,367.00 | 209,579.00 | 212,883.00 | 266,031.00 | 202,797.00 | 255,450.00 | 304,027.00 | 345,780.00 | 333,823.00 | 316,200.00 | 265,581.00 | 294,808.00 |
| Cash and Cash Equivalents | 233,737.00 | 202,149.00 | 183,678.00 | 200,949.00 | 197,371.00 | 153,430.00 | 217,785.00 | 102,046.00 | 69,150.00 | 79,704.00 | 53,230.00 | 96,650.00 | 53,017.00 | 91,934.00 | 109,522.00 | 132,104.00 | 132,772.00 | 118,519.00 | 71,514.00 | 87,948.00 |
| Short-Term Investments | 0 | 249.00 | 590.00 | 100.00 | 100.00 | 100.00 | 100.00 | 55,119.00 | 51,217.00 | 129,875.00 | 159,653.00 | 169,381.00 | 149,780.00 | 163,516.00 | 194,505.00 | 213,676.00 | 201,051.00 | 197,681.00 | 194,067.00 | 206,860.00 |
| Net Receivables | 539,455.00 | 534,966.00 | 475,981.00 | 480,777.00 | 641,543.00 | 620,664.00 | 546,094.00 | 502,188.00 | 529,370.00 | 521,274.00 | 443,730.00 | 411,627.00 | 429,103.00 | 420,733.00 | 363,499.00 | 362,545.00 | 408,093.00 | 410,361.00 | 504,247.00 | 493,329.00 |
| 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 | 134,698.00 | 135,714.00 | 136,245.00 | 157,433.00 | 135,383.00 | 134,622.00 | 134,354.00 | 163,431.00 | 133,887.00 | 133,950.00 | 133,259.00 | 159,585.00 | 133,064.00 | 134,886.00 | 138,721.00 | 167,525.00 | 136,196.00 | 134,650.00 | 132,273.00 | 148,493.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 3,374.00 | 3,552.00 | 3,729.00 | 3,906.00 | 4,084.00 | 4,261.00 | 4,438.00 | 4,615.00 | 4,793.00 | 4,970.00 | 5,147.00 | 5,324.00 | 5,502.00 | 5,679.00 | 5,856.00 | 6,034.00 | 6,211.00 | 6,388.00 | 6,565.00 | 6,743.00 |
| Long-Term Investments | 215,363.00 | 206,858.00 | 193,090.00 | 183,741.00 | 101,480.00 | 98,405.00 | 99,020.00 | 99,507.00 | 93,836.00 | 91,663.00 | 91,003.00 | 86,276.00 | 79,917.00 | 81,146.00 | 84,007.00 | 84,090.00 | 80,162.00 | 80,326.00 | 77,816.00 | 69,305.00 |
| Non-Current Deferred Assets | 16,603.00 | 22,464.00 | 19,700.00 | 23,018.00 | 14,399.00 | 26,585.00 | 22,735.00 | 13,621.00 | 36,591.00 | 22,479.00 | 13,980.00 | 15,531.00 | 25,983.00 | 9,384.00 | 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 | 2,855,201.00 | 2,815,462.00 | 2,710,602.00 | 2,706,938.00 | 2,760,309.00 | 2,682,102.00 | 2,507,869.00 | 2,410,445.00 | 2,406,842.00 | 2,341,512.00 | 2,146,608.00 | 2,142,172.00 | 2,118,105.00 | 2,104,291.00 | 2,094,372.00 | 2,133,600.00 | 2,196,125.00 | 2,218,678.00 | 2,241,368.00 | 2,244,529.00 |
| 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 | 898,711.00 | 845,668.00 | 817,662.00 | 781,531.00 | 785,823.00 | 726,595.00 | 736,766.00 | 733,745.00 | 644,937.00 | 676,365.00 | 751,795.00 | 740,114.00 | 700,795.00 | 780,903.00 | 835,625.00 | 879,121.00 | 814,529.00 | 839,475.00 | 823,599.00 | 825,149.00 |
| Shareholders Equity | 898,711.00 | 845,668.00 | 817,662.00 | 781,531.00 | 785,823.00 | 726,595.00 | 736,766.00 | 733,745.00 | 644,937.00 | 676,365.00 | 751,795.00 | 740,114.00 | 700,795.00 | 780,903.00 | 835,625.00 | 879,121.00 | 814,529.00 | 839,475.00 | 823,599.00 | 825,149.00 |
| Capital Stock | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 |
| Share Premium | 221,633.00 | 218,332.00 | 216,877.00 | 215,851.00 | 213,374.00 | 212,327.00 | 210,886.00 | 209,986.00 | 209,931.00 | 208,987.00 | 208,010.00 | 207,030.00 | 206,811.00 | 206,165.00 | 204,006.00 | 203,375.00 | 203,014.00 | 203,055.00 | 202,874.00 | 202,359.00 |
| Retained Earnings | 688,050.00 | 653,026.00 | 634,002.00 | 620,436.00 | 593,052.00 | 577,359.00 | 584,147.00 | 574,691.00 | 559,126.00 | 556,788.00 | 617,213.00 | 620,555.00 | 604,469.00 | 631,481.00 | 645,966.00 | 621,384.00 | 567,411.00 | 580,767.00 | 570,789.00 | 555,854.00 |
| 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 | -10,997.00 | -25,715.00 | -33,242.00 | -54,781.00 | -20,628.00 | -63,116.00 | -58,292.00 | -50,957.00 | -124,145.00 | -89,435.00 | -73,453.00 | -87,496.00 | -110,510.00 | -56,768.00 | -14,372.00 | 54,337.00 | 44,079.00 | 55,628.00 | 49,911.00 | 66,911.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2,486,425.00 | 2,407,004.00 | 2,359,216.00 | 2,276,935.00 | 2,097,032.00 | 2,034,381.00 | 1,828,868.00 | 2,041,120.00 | 1,974,152.00 | 2,057,159.00 | 2,130,344.00 | 2,100,548.00 | 2,053,147.00 | 2,133,495.00 | 2,255,468.00 | 2,362,452.00 | 2,337,281.00 | 2,385,252.00 | 4,272,360.00 | 4,298,510.00 |
| Debt | 0 | 0 | 0 | 21,867.00 | 0 | 0 | 0 | 29,668.00 | 0 | 0 | 0 | 26,924.00 | 0 | 0 | 0 | 30,372.00 | 0 | 0 | 0 | 19,244.00 |
| Common Shares Outstanding | 25,514.33 | 25,490.96 | 25,446.52 | 25,378.29 | 25,341.25 | 25,336.10 | 25,293.16 | 25,269.84 | 25,263.74 | 25,262.95 | 25,231.55 | 25,210.54 | 25,191.41 | 25,186.65 | 25,119.24 | 25,082.10 | 25,080.92 | 25,117.34 | 25,119.85 | 25,055.48 |
| 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 | 354,018.00 | 335,473.00 | 331,115.00 | 333,175.00 | 322,964.00 | 301,169.00 | 295,999.00 | 287,319.00 | 273,955.00 | 267,089.00 | 267,104.00 | 280,163.00 | 235,573.00 | 219,536.00 | 245,014.00 | 272,501.00 | 248,543.00 | 244,412.00 | 300,735.00 |
| Net Premiums | 328,431.00 | 314,802.00 | 308,411.00 | 308,137.00 | 300,185.00 | 287,569.00 | 280,859.00 | 264,366.00 | 259,456.00 | 254,638.00 | 256,127.00 | 247,795.00 | 238,256.00 | 231,262.00 | 234,228.00 | 239,986.00 | 238,909.00 | 224,703.00 | 259,225.00 |
| Cost Of Revenue | 188,180.00 | 193,732.00 | 189,696.00 | 176,486.00 | 187,148.00 | 201,325.00 | 179,646.00 | 171,289.00 | 172,798.00 | 250,730.00 | 174,597.00 | 173,006.00 | 182,411.00 | 151,508.00 | 130,376.00 | 118,174.00 | 175,444.00 | 152,139.00 | 206,398.00 |
| Interest Expense | 3,118.00 | 2,484.00 | 2,483.00 | 2,481.00 | 2,481.00 | 1,460.00 | 859.00 | 869.00 | 797.00 | 797.00 | 797.00 | 797.00 | 797.00 | 797.00 | 797.00 | -1.00 | 797.00 | 1,594.00 | 797.00 |
| Provisions for Credit Losses | 0 | -1,106.00 | 4.00 | 1.00 | 0 | 0 | 9.00 | 11.00 | 1.00 | -6.00 | 0 | 104.00 | 0 | 0 | 5.00 | 0.00 | 5.00 | 0 | 0 |
| Gross Profit | 165,838.00 | 141,741.00 | 141,419.00 | 156,689.00 | 135,816.00 | 99,844.00 | 116,353.00 | 116,030.00 | 101,157.00 | 16,359.00 | 92,507.00 | 107,157.00 | 53,162.00 | 68,028.00 | 114,638.00 | 154,327.00 | 73,099.00 | 92,273.00 | 94,337.00 |
| Selling, General and Administrative Expenses | 2,316.00 | 1,942.00 | 1,758.00 | 1,719.00 | 1,087.00 | 1,555.00 | 1,156.00 | -3,407.00 | 2,255.00 | 2,210.00 | 2,188.00 | 2,194.00 | 2,201.00 | 2,191.00 | 2,177.00 | 2,053.00 | 1,748.00 | 1,767.00 | 1,782.00 |
| EBT | 48,676.00 | 29,202.00 | 21,854.00 | 39,545.00 | 24,975.00 | -3,770.00 | 16,284.00 | 24,131.00 | 8,376.00 | -72,227.00 | -1.00 | 22,641.00 | -31,229.00 | -14,061.00 | 34,726.00 | 72,294.00 | -14,427.00 | 16,272.00 | 22,704.00 |
| Income Tax | 9,486.00 | 6,255.00 | 4,154.00 | 6,033.00 | 5,227.00 | 1,035.00 | 2,782.00 | -8,515.00 | 1,996.00 | 15,845.00 | 695.00 | -15,275.00 | 8,248.00 | 3,604.00 | 6,377.00 | 4,891.00 | 4,834.00 | 2,522.00 | 4,002.00 |
| Net Income | 39,190.00 | 22,947.00 | 17,700.00 | 31,442.00 | 19,748.00 | -2,735.00 | 13,502.00 | 19,608.00 | 6,380.00 | -56,382.00 | 694.00 | 20,120.00 | -22,981.00 | -10,457.00 | 28,349.00 | 57,735.00 | -9,593.00 | 13,750.00 | 18,702.00 |
| EBIT | 51,794.00 | 31,686.00 | 24,337.00 | 42,026.00 | 27,456.00 | -2,310.00 | 17,143.00 | 25,000.00 | 9,173.00 | -71,430.00 | 796.00 | 23,438.00 | -30,432.00 | -13,264.00 | 35,523.00 | 72,293.00 | -13,630.00 | 17,866.00 | 23,501.00 |
| Deprecation and Amortization | 0.00 | 0.00 | 2,755.00 | 11,098.00 | 0.00 | 0.00 | 4,337.00 | 13,157.00 | 0.00 | 0.00 | 4,443.00 | 12,096.00 | 0.00 | 0.00 | 4,574.00 | 14,953.00 | 0.00 | 0.00 | 5,214.00 |
| EBITDA | 0 | 0 | 27,092.00 | 78,270.00 | 0 | 0 | 21,480.00 | -24,100.00 | 0 | 0 | 5,239.00 | -8,162.00 | 0 | 0 | 40,097.00 | 91,482.00 | 0 | 0 | 28,715.00 |
| 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 | 25,501.55 | 25,471.11 | 25,391.28 | 25,353.35 | 25,337.15 | 25,314.46 | 25,274.94 | 25,264.04 | 25,263.52 | 25,249.07 | 25,220.44 | 25,205.25 | 25,188.96 | 25,148.14 | 25,100.88 | 25,082.06 | 25,092.17 | 25,109.05 | 25,085.91 |
| Average Shares Outstanding Diluted | 26,367.50 | 26,390.66 | 26,237.65 | 26,609.78 | 25,912.31 | 25,314.46 | 25,834.49 | 24,668.55 | 25,579.33 | 25,249.07 | 25,500.12 | 25,612.58 | 25,188.96 | 25,148.14 | 25,323.10 | 26,190.06 | 25,092.17 | 25,416.87 | 25,379.81 |
| 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 | 0 | 0 | 35,674.00 | 304,143.00 | 0 | 0 | 36,161.00 | 178,522.00 | 0 | 0 | -6,786.00 | -2,846.00 | 0 | 0 | 1,595.00 | 10,407.00 | 0 | 0 | 19,510.00 |
| Operating Net Income | 39,190.00 | 22,947.00 | 17,700.00 | 31,442.00 | 19,748.00 | -2,735.00 | 13,502.00 | 19,608.00 | 6,380.00 | -56,382.00 | 694.00 | 20,120.00 | -22,981.00 | -10,457.00 | 28,349.00 | 57,735.00 | -9,593.00 | 13,750.00 | 18,702.00 |
| Deprecation and Amortization | 0 | 0 | 2,755.00 | 11,098.00 | 0 | 0 | 4,337.00 | 13,157.00 | 0 | 0 | 4,443.00 | 12,096.00 | 0 | 0 | 4,574.00 | 14,953.00 | 0 | 0 | 5,214.00 |
| Deferred Income Tax | 0 | 0 | -2,061.00 | -1,221.00 | 0 | 0 | -7,170.00 | -6,126.00 | 0 | 0 | -2,182.00 | -2,696.00 | 0 | 0 | -1,234.00 | 1,630.00 | 0 | 0 | 4,002.00 |
| Share Based Compensation | 0 | 0 | 1,758.00 | 4,361.00 | 0 | 0 | 1,156.00 | 2,170.00 | 0 | 0 | 1,076.00 | 1,847.00 | 0 | 0 | 979.00 | 2,435.00 | 0 | 0 | 1,009.00 |
| Change in Working Capital | 0 | 0 | 18,588.00 | 57,197.00 | 0 | 0 | -53,884.00 | -24,562.00 | 0 | 0 | 3,015.00 | -3,083.00 | 0 | 0 | 3,183.00 | -4,495.00 | 0 | 0 | -13,655.00 |
| Other Operating Activities | 0 | 0 | -3,066.00 | 184,253.00 | 0 | 0 | 78,220.00 | 224,277.00 | 0 | 0 | -13,832.00 | 2,308.00 | 0 | 0 | -34,256.00 | -66,008.00 | 0 | 0 | 4,238.00 |
| Investing Cash Flow | 0 | 0 | -48,151.00 | -376,367.00 | 0 | 0 | 83,880.00 | -117,385.00 | 0 | 0 | -32,501.00 | 890.00 | 0 | 0 | -20,061.00 | 63,413.00 | 0 | 0 | -31,682.00 |
| Capital Expenditure | 0.00 | 0.00 | -2,495.00 | -9,267.00 | 0.00 | 0.00 | -2,603.00 | -8,271.00 | 0.00 | 0.00 | -2,615.00 | 373.00 | 0.00 | 0.00 | -2,510.00 | -10,128.00 | 0.00 | 0.00 | -3,848.00 |
| Net Purchase/Sale of PPE | 0 | 0 | -2,495.00 | -9,267.00 | 0 | 0 | -2,603.00 | -8,271.00 | 0 | 0 | -2,615.00 | 373.00 | 0 | 0 | -2,510.00 | -10,128.00 | 0 | 0 | -3,848.00 |
| Net Purchase/Sale of Investments Net | 95,625.00 | 0 | -45,656.00 | -597,758.00 | 163,380.00 | 145,621.00 | 86,483.00 | -124,735.00 | 4,940.00 | 33,941.00 | -29,758.00 | -82,143.00 | 18,399.00 | 65,010.00 | -17,551.00 | 5,843.00 | 53,973.00 | 16,982.00 | -27,834.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | 0 | 0 | 2,495.00 | -69,076.00 | 0 | 0 | 2,603.00 | -14,989.00 | 0 | 0 | 2,487.00 | -1,122.00 | 0 | 0 | 2,510.00 | 6,871.00 | 0 | 0 | 3,848.00 |
| Financing Cash Flow | 0 | 0 | -4,794.00 | 55,388.00 | 0 | 0 | -4,302.00 | -12,321.00 | 0 | 0 | -4,133.00 | -10,916.00 | 0 | 0 | -4,116.00 | -13,230.00 | 0 | 0 | -4,262.00 |
| Net Issuance/Repayment of Debt | 0 | 0 | 0 | 70,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Issuance/Repurchase of Equity | 0 | 0 | -732.00 | 604.00 | 0 | 0 | -256.00 | -194.00 | 0 | 0 | -96.00 | 1,177.00 | 0 | 0 | -349.00 | 2,067.00 | 0 | 0 | -481.00 |
| Dividends Paid | 0 | 0 | 4,062.00 | 12,166.00 | 0 | 0 | 4,046.00 | 12,127.00 | 0 | 0 | 4,037.00 | 12,093.00 | 0 | 0 | 3,767.00 | 11,297.00 | 0 | 0 | 3,767.00 |
| Other Financing Activities | 0 | 0 | -8,124.00 | -27,382.00 | 0 | 0 | -8,092.00 | -24,254.00 | 0 | 0 | -8,074.00 | -24,186.00 | 0 | 0 | -7,534.00 | -26,594.00 | 0 | 0 | -7,548.00 |
| Net Change in Cash | 0 | 0 | -17,271.00 | -16,836.00 | 0 | 0 | 115,739.00 | 48,816.00 | 0 | 0 | -43,420.00 | -12,872.00 | 0 | 0 | -22,582.00 | 60,590.00 | 0 | 0 | -16,434.00 |
| Cash at Beginning of Period | 0 | 0 | 200,949.00 | 217,785.00 | 0 | 0 | 102,046.00 | 53,230.00 | 0 | 0 | 96,650.00 | 109,522.00 | 0 | 0 | 132,104.00 | 71,514.00 | 0 | 0 | 87,948.00 |
| Cash at End of Period | 0 | 0 | 183,678.00 | 200,949.00 | 197,371.00 | 153,430.00 | 217,785.00 | 102,046.00 | 69,150.00 | 79,704.00 | 53,230.00 | 96,650.00 | 53,017.00 | 91,934.00 | 109,522.00 | 132,104.00 | 132,772.00 | 118,519.00 | 71,514.00 |
| Free Cash Flow | 0 | 0 | 33,179.00 | 294,876.00 | 0 | 0 | 33,558.00 | 170,251.00 | 0 | 0 | -9,401.00 | -2,473.00 | 0 | 0 | -915.00 | 279.00 | 0 | 0 | 15,662.00 |