UMBF
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 12.47 | 11.57 | 9.35 | 14.52 | 11.60 |
| Price to Sales | |||||
| Book Value Per Common Share | 213.05 | 191.56 | 165.59 | 194.84 | 188.53 |
| Price to Book | 0.53 | 0.44 | 0.50 | 0.54 | 0.37 |
| Price to Operating Cash Flow | 17.28 | 7.69 | 4.56 | 7.63 | 7.37 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 19656.23 | 29898.04 | 52781.26 | 107636.32 | 76186.83 |
| 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 | 8.12 | 11.13 | 28.80 | 15.95 | 19.22 | 38.32 | 10.77 | 16.15 | 30.22 | 12.29 | 17.12 | 44.37 | 17.00 | 24.88 | 47.84 | |||||
| Price to Sales | ||||||||||||||||||||
| Book Value Per Common Share | 98.01 | 95.96 | 88.89 | 213.05 | 72.45 | 66.21 | 64.68 | 191.56 | 57.83 | 58.36 | 58.03 | 165.59 | 52.24 | 54.71 | 56.78 | 194.84 | 64.37 | 63.92 | 61.24 | 188.53 |
| Price to Book | 1.21 | 1.10 | 1.14 | 0.53 | 1.45 | 1.26 | 1.34 | 0.44 | 1.07 | 1.04 | 0.99 | 0.50 | 1.61 | 1.57 | 1.71 | 0.54 | 1.50 | 1.46 | 1.51 | 0.37 |
| Price to Operating Cash Flow | 9.30 | 11.44 | 18.12 | 17.53 | 24.11 | 75.40 | 7.76 | 19.00 | 1649.14 | 6.52 | 10.26 | 23.99 | 12.87 | 25.30 | 38.30 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 29488.74 | 42159.56 | 119219.89 | 39453.59 | 47949.35 | 100502.32 | 29954.88 | 46711.90 | 98822.20 | 79007.33 | 123112.99 | 337867.84 | 127769.31 | 185909.68 | 364725.52 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 25.35 | -19.15 | 22.16 | 22.86 | |
| Revenue YoY | |||||
| EBITDA YoY | 106.53 | 77.47 | 60.17 | 9.82 | |
| Net Profit YoY | 26.06 | -18.92 | 22.28 | 23.22 |
| 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 | 54.18 | 169.23 | 51.84 | 91.19 | 52.79 | 97.38 | 36.38 | 129.68 | 52.14 | 93.78 | ||||||||||
| Revenue YoY | ||||||||||||||||||||
| EBITDA YoY | 60.96 | 194.17 | 176.88 | 53.29 | 101.01 | 58.93 | 123.24 | 52.57 | 142.73 | 51.24 | 97.91 | |||||||||
| Net Profit YoY | 52.77 | 134.07 | 51.82 | 91.92 | 52.89 | 97.48 | 36.13 | 129.82 | 52.47 | 94.35 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 186.77 | 120.66 | 54.58 | 216.94 | 107.84 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 6.84 | 6.67 | 6.80 | 6.34 | 5.05 |
| 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 | 134.49 | 168.05 | 174.68 | 186.51 | 159.65 | 109.90 | 148.17 | 120.53 | 87.83 | 85.02 | 81.79 | 54.60 | 59.07 | 66.99 | 165.96 | 216.23 | 150.47 | 138.51 | 122.21 | 108.13 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 8.66 | 8.85 | 9.28 | 6.84 | 12.43 | 12.78 | 13.38 | 6.67 | 13.77 | 13.57 | 13.43 | 6.80 | 13.89 | 13.19 | 13.77 | 6.34 | 11.06 | 10.85 | 10.72 | 5.05 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.81 | 0.74 | 1.04 | 0.76 | 0.79 |
| ROE | 6.36 | 5.64 | 8.09 | 5.61 | 4.75 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.84 | 0.55 | 0.24 | 0.68 | 0.48 | 0.24 | 0.67 | 0.44 | 0.23 | 0.88 | 0.65 | 0.26 | 0.73 | 0.49 | 0.27 | |||||
| ROE | 8.07 | 5.39 | 2.49 | 9.09 | 6.56 | 3.50 | 9.94 | 6.45 | 3.28 | 13.14 | 9.21 | 3.86 | 8.82 | 5.83 | 3.13 | |||||
| Gross Margin | ||||||||||||||||||||
| Operating Margin | ||||||||||||||||||||
| EBITDA Margin | ||||||||||||||||||||
| Net Profit Margin |
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 | 54,340,232.00 | 47,561,856.00 | 41,627,580.00 | 46,178,413.00 | 36,481,878.00 |
| Deposits | 84,156,391.00 | 68,512,127.00 | 64,361,128.00 | 70,348,213.00 | 53,226,407.00 |
| Cash and Short-Term Investments | 9,104,445.00 | 5,852,347.00 | 2,638,384.00 | 10,472,084.00 | 5,191,015.00 |
| Cash and Cash Equivalents | 9,104,445.00 | 5,852,347.00 | 2,638,384.00 | 10,472,084.00 | 5,191,015.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 179,567,207.00 | 220,306.00 | 189,231.00 | 131,102.00 | 139,892.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 269,373.00 | 291,700.00 | 318,249.00 | 328,033.00 | 356,495.00 |
| Goodwill | 419,781.00 | 419,781.00 | 419,781.00 | 354,047.00 | 547,612.00 |
| Intangible Assets | 63,647.00 | 71,012.00 | 78,724.00 | 14,416.00 | 21,056.00 |
| 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 | 47,407,150.00 | 41,361,018.00 | 36,293,394.00 | 39,887,565.00 | 30,447,982.00 |
| Payables and Expenses | 3,700.00 | 3,500.00 | 3,400.00 | 2,745.00 | 2,326.00 |
| Account Payables | 1,700.00 | 1,500.00 | 1,400.00 | 245.00 | 326.00 |
| Current Accrued Liabilities | 2,000.00 | 2,000.00 | 2,000.00 | 2,500.00 | 2,000.00 |
| Short-Term Debt | 0 | 5,400,000.00 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 6,933,082.00 | 6,200,838.00 | 5,334,186.00 | 6,290,848.00 | 6,033,896.00 |
| Shareholders Equity | 10,399,623.00 | 9,301,257.00 | 8,001,279.00 | 9,436,272.00 | 9,050,844.00 |
| Capital Stock | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 |
| Share Premium | 1,145,638.00 | 1,134,363.00 | 1,125,949.00 | 1,110,520.00 | 1,090,450.00 |
| Retained Earnings | 3,174,948.00 | 2,810,824.00 | 2,543,086.00 | 2,183,998.00 | 1,898,246.00 |
| Treasury Shares | 336,052.00 | 342,890.00 | 347,264.00 | 323,465.00 | 338,145.00 |
| Accumulated Other Comprehensive Income | -573,050.00 | -556,935.00 | -702,735.00 | 126,314.00 | 318,340.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 231,075,585.00 | 71,068,397.00 | 70,215,723.00 | 110,658,592.00 | 86,013,124.00 |
| Debt | 1,990,310.00 | 7,377,533.00 | 1,981,407.00 | 1,386,554.00 | 1,408,501.00 |
| Net Debt | 0 | 1,525,186.00 | 0 | 0 | 0 |
| Common Shares Outstanding | 48,814.18 | 48,554.13 | 48,319.40 | 48,430.81 | 48,006.39 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 183,150.00 | 41,227.00 | 37,900.00 | 20,000.00 | 130,500.00 |
| Interest Income | 2,527,946.00 | 2,155,883.00 | 1,426,831.00 | 1,087,452.00 | 1,014,010.00 |
| Interest Expense | 1,170,117.00 | 918,589.00 | 223,723.00 | 46,001.00 | 77,260.00 |
| Net Interest | 3,002,676.00 | 920,116.00 | 913,797.00 | 815,521.00 | 731,229.00 |
| Non-Interest Income | 2,512,468.00 | 1,625,559.00 | 1,662,699.00 | 1,401,525.00 | 1,680,498.00 |
| Non-Interest Expense | 3,080,058.00 | 999,140.00 | 898,119.00 | 833,636.00 | 822,005.00 |
| Provisions for Credit Losses | 183,150.00 | 41,227.00 | 37,900.00 | 20,000.00 | 130,500.00 |
| Selling, General and Administrative Expenses | 90,823.00 | 91,080.00 | 88,137.00 | 80,864.00 | 77,692.00 |
| EBT | 1,623,819.00 | 421,602.00 | 532,011.00 | 429,060.00 | 338,890.00 |
| Income Tax | 291,911.00 | 133,991.00 | 211,616.00 | 141,762.00 | 98,546.00 |
| Net Income | 441,243.00 | 350,024.00 | 431,682.00 | 353,018.00 | 286,502.00 |
| EBIT | 2,793,936.00 | 1,340,191.00 | 755,734.00 | 475,061.00 | 416,150.00 |
| Deprecation and Amortization | 8,462.00 | 16,704.00 | 8,850.00 | 2,295.00 | 18,516.00 |
| EBITDA | 2,802,398.00 | 1,356,895.00 | 764,584.00 | 477,356.00 | 434,666.00 |
| EPS | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Diluted EPS | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Average Shares Outstanding Basic | 48,747.81 | 48,503.64 | 48,340.92 | 48,271.46 | 48,137.79 |
| Average Shares Outstanding Diluted | 49,056.96 | 48,763.82 | 48,747.40 | 48,738.29 | 48,343.75 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 318,332.00 | 526,649.00 | 884,600.00 | 671,232.00 | 450,587.00 |
| Operating Net Income | 1,764,972.00 | 1,050,072.00 | 1,295,046.00 | 1,059,054.00 | 286,502.00 |
| Deprecation and Amortization | 8,462.00 | 16,704.00 | 8,850.00 | 2,295.00 | 18,516.00 |
| Deferred Income Tax | -16,174.00 | -20,439.00 | -6,308.00 | -12,724.00 | -4,836.00 |
| Share Based Compensation | 22,579.00 | 18,694.00 | 21,491.00 | 21,208.00 | 15,120.00 |
| Change in Working Capital | 296,293.00 | 313,565.00 | -324,734.00 | -144,652.00 | 221,853.00 |
| Other Operating Activities | -1,757,800.00 | -851,947.00 | -109,745.00 | -253,949.00 | -86,568.00 |
| Investing Cash Flow | -3,260,215.00 | -1,276,872.00 | -4,012,725.00 | -4,306,805.00 | -4,617,413.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 28,403.00 | 30,716.00 | 58,447.00 | 37,587.00 | 68,784.00 |
| Net Purchase/Sale of Investments Net | 16,094,087.00 | 3,040,072.00 | 3,771,017.00 | 8,060,069.00 | 7,430,239.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 2,415,581.00 | 2,159,132.00 | 3,952,154.00 | 1,117,707.00 | 2,693,761.00 |
| Other Investing Activities | -21,798,286.00 | -6,506,792.00 | -11,794,343.00 | -13,522,168.00 | -14,810,197.00 |
| Financing Cash Flow | 5,876,055.00 | 4,690,901.00 | -4,574,879.00 | 9,365,198.00 | 6,024,774.00 |
| Net Issuance/Repayment of Debt | 3,290,071.00 | 63,809,477.00 | -796,268.00 | 922,938.00 | 878,989.00 |
| Net Issuance/Repurchase of Equity | 7,738.00 | 8,367.00 | 31,997.00 | 5,506.00 | 63,766.00 |
| Dividends Paid | 77,127.00 | 74,245.00 | 72,030.00 | 66,750.00 | 60,281.00 |
| Other Financing Activities | 2,501,119.00 | -59,201,188.00 | -3,882,638.00 | 8,370,004.00 | 5,021,738.00 |
| Net Change in Cash | 2,934,172.00 | 3,940,678.00 | -7,703,004.00 | 5,716,998.00 | 1,828,396.00 |
| Cash at Beginning of Period | 5,514,519.00 | 1,587,580.00 | 9,260,878.00 | 3,497,566.00 | 1,669,170.00 |
| Cash at End of Period | 8,448,691.00 | 5,528,258.00 | 1,557,874.00 | 9,214,564.00 | 3,497,566.00 |
| 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 | 71,881,181.00 | 71,760,153.00 | 69,347,313.00 | 54,340,232.00 | 47,496,428.00 | 44,469,414.00 | 45,343,375.00 | 47,561,856.00 | 41,464,682.00 | 41,243,042.00 | 40,607,190.00 | 41,627,580.00 | 37,581,062.00 | 37,507,841.00 | 40,605,742.00 | 46,178,413.00 | 37,554,285.00 | 36,619,015.00 | 34,669,389.00 | 36,481,878.00 |
| Deposits | 116,873,793.00 | 116,683,084.00 | 113,851,930.00 | 84,156,391.00 | 77,342,401.00 | 70,952,431.00 | 71,183,611.00 | 68,512,127.00 | 63,520,251.00 | 63,847,430.00 | 61,181,310.00 | 64,361,128.00 | 62,742,809.00 | 62,418,666.00 | 68,138,097.00 | 70,348,213.00 | 61,886,939.00 | 59,418,629.00 | 55,897,019.00 | 53,226,407.00 |
| Cash and Short-Term Investments | 9,730,510.00 | 11,851,073.00 | 11,365,386.00 | 9,104,445.00 | 7,779,169.00 | 5,352,599.00 | 7,210,342.00 | 5,852,347.00 | 4,258,984.00 | 4,121,276.00 | 3,961,729.00 | 2,638,384.00 | 2,855,893.00 | 3,240,996.00 | 8,033,522.00 | 10,472,084.00 | 7,258,214.00 | 6,675,502.00 | 5,877,806.00 | 5,191,015.00 |
| Cash and Cash Equivalents | 9,730,510.00 | 11,851,073.00 | 11,365,386.00 | 9,104,445.00 | 7,779,169.00 | 5,352,599.00 | 7,210,342.00 | 5,852,347.00 | 4,258,984.00 | 4,121,276.00 | 3,961,729.00 | 2,638,384.00 | 2,855,893.00 | 3,240,996.00 | 8,033,522.00 | 10,472,084.00 | 7,258,214.00 | 6,675,502.00 | 5,877,806.00 | 5,191,015.00 |
| 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 | 264,734,364.00 | 258,318,290.00 | 252,237,562.00 | 179,567,207.00 | 174,998,070.00 | 169,460,042.00 | 221,447.00 | 220,306.00 | 208,594.00 | 190,387.00 | 181,586.00 | 189,231.00 | 153,759.00 | 144,874.00 | 127,139.00 | 131,102.00 | 122,798.00 | 131,188.00 | 131,533.00 | 139,892.00 |
| 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 | 398,607.00 | 395,195.00 | 391,147.00 | 269,373.00 | 222,056.00 | 226,860.00 | 231,918.00 | 291,700.00 | 249,037.00 | 255,127.00 | 260,623.00 | 318,249.00 | 260,685.00 | 257,729.00 | 264,519.00 | 328,033.00 | 273,378.00 | 281,011.00 | 286,068.00 | 356,495.00 |
| Goodwill | 1,835,298.00 | 1,812,694.00 | 1,798,451.00 | 419,781.00 | 207,385.00 | 207,385.00 | 207,385.00 | 419,781.00 | 207,385.00 | 207,385.00 | 207,385.00 | 419,781.00 | 182,225.00 | 182,225.00 | 182,225.00 | 354,047.00 | 174,518.00 | 174,518.00 | 174,518.00 | 547,612.00 |
| Intangible Assets | 511,450.00 | 531,918.00 | 557,186.00 | 63,647.00 | 65,564.00 | 67,141.00 | 69,052.00 | 71,012.00 | 73,060.00 | 75,184.00 | 76,426.00 | 78,724.00 | 13,373.00 | 14,465.00 | 15,690.00 | 14,416.00 | 15,526.00 | 16,636.00 | 17,793.00 | 21,056.00 |
| 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 | 64,437,231.00 | 64,474,388.00 | 62,598,879.00 | 47,407,150.00 | 43,960,939.00 | 41,242,067.00 | 42,190,559.00 | 41,361,018.00 | 38,658,023.00 | 38,411,414.00 | 37,792,531.00 | 36,293,394.00 | 35,057,517.00 | 34,864,953.00 | 37,857,337.00 | 39,887,565.00 | 34,441,445.00 | 33,528,771.00 | 31,711,150.00 | 30,447,982.00 |
| Payables and Expenses | 0 | 0 | 0 | 3,700.00 | 0 | 0 | 0 | 3,500.00 | 0 | 0 | 0 | 3,400.00 | 0 | 0 | 0 | 2,745.00 | 0 | 0 | 0 | 2,326.00 |
| Account Payables | 0 | 0 | 0 | 1,700.00 | 0 | 0 | 0 | 1,500.00 | 0 | 0 | 0 | 1,400.00 | 0 | 0 | 0 | 245.00 | 0 | 0 | 0 | 326.00 |
| Current Accrued Liabilities | 0 | 0 | 0 | 2,000.00 | 0 | 0 | 0 | 2,000.00 | 0 | 0 | 0 | 2,000.00 | 0 | 0 | 0 | 2,500.00 | 0 | 0 | 0 | 2,000.00 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 3,150,000.00 | 3,900,000.00 | 5,400,000.00 | 5,400,000.00 | 6,900,000.00 | 5,400,000.00 | 7,400,000.00 | 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 | 7,443,950.00 | 7,285,765.00 | 6,748,434.00 | 6,933,082.00 | 3,535,489.00 | 3,227,347.00 | 3,152,816.00 | 6,200,838.00 | 2,806,659.00 | 2,831,628.00 | 2,814,659.00 | 5,334,186.00 | 2,523,545.00 | 2,642,888.00 | 2,748,405.00 | 6,290,848.00 | 3,112,840.00 | 3,090,244.00 | 2,958,239.00 | 6,033,896.00 |
| Shareholders Equity | 7,443,950.00 | 7,285,765.00 | 6,748,434.00 | 10,399,623.00 | 3,535,489.00 | 3,227,347.00 | 3,152,816.00 | 9,301,257.00 | 2,806,659.00 | 2,831,628.00 | 2,814,659.00 | 8,001,279.00 | 2,523,545.00 | 2,642,888.00 | 2,748,405.00 | 9,436,272.00 | 3,112,840.00 | 3,090,244.00 | 2,958,239.00 | 9,050,844.00 |
| Capital Stock | 372,732.00 | 483,433.00 | 189,371.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 | 55,057.00 |
| Share Premium | 4,001,834.00 | 4,000,973.00 | 3,993,662.00 | 1,145,638.00 | 1,138,350.00 | 1,132,301.00 | 1,127,806.00 | 1,134,363.00 | 1,128,239.00 | 1,124,977.00 | 1,120,877.00 | 1,125,949.00 | 1,120,489.00 | 1,115,504.00 | 1,109,585.00 | 1,110,520.00 | 1,102,818.00 | 1,098,139.00 | 1,093,667.00 | 1,090,450.00 |
| Retained Earnings | 3,559,717.00 | 3,409,706.00 | 3,224,866.00 | 3,174,948.00 | 3,074,617.00 | 2,984,152.00 | 2,903,106.00 | 2,810,824.00 | 2,759,415.00 | 2,681,448.00 | 2,609,928.00 | 2,543,086.00 | 2,454,422.00 | 2,384,454.00 | 2,265,129.00 | 2,183,998.00 | 2,109,568.00 | 2,033,134.00 | 1,961,318.00 | 1,898,246.00 |
| Treasury Shares | 165,491.00 | 166,300.00 | 166,767.00 | 336,052.00 | 336,679.00 | 338,529.00 | 338,615.00 | 342,890.00 | 343,681.00 | 344,023.00 | 344,427.00 | 347,264.00 | 347,163.00 | 347,324.00 | 338,238.00 | 323,465.00 | 325,910.00 | 326,193.00 | 328,000.00 | 338,145.00 |
| Accumulated Other Comprehensive Income | -324,842.00 | -442,047.00 | -492,698.00 | -573,050.00 | -395,856.00 | -605,634.00 | -594,538.00 | -556,935.00 | -792,371.00 | -685,831.00 | -626,776.00 | -702,735.00 | -759,260.00 | -564,803.00 | -343,128.00 | 126,314.00 | 164,307.00 | 223,107.00 | 169,197.00 | 318,340.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 355,603,303.00 | 338,886,288.00 | 322,360,939.00 | 231,075,585.00 | 220,339,370.00 | 216,351,662.00 | 66,236,934.00 | 71,068,397.00 | 64,321,825.00 | 67,340,841.00 | 69,437,991.00 | 70,215,723.00 | 71,105,996.00 | 76,465,023.00 | 82,683,865.00 | 110,658,592.00 | 102,926,509.00 | 95,296,313.00 | 89,947,658.00 | 86,013,124.00 |
| Debt | 2,435,539.00 | 2,465,011.00 | 3,167,178.00 | 1,990,310.00 | 4,759,242.00 | 5,497,324.00 | 6,997,322.00 | 7,377,533.00 | 7,665,536.00 | 6,995,068.00 | 9,000,326.00 | 1,981,407.00 | 1,222,477.00 | 819,697.00 | 829,724.00 | 1,386,554.00 | 851,177.00 | 850,536.00 | 856,846.00 | 1,408,501.00 |
| Net Debt | 0 | 0 | 0 | 0 | 0 | 144,725.00 | 0 | 1,525,186.00 | 3,406,552.00 | 2,873,792.00 | 5,038,597.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 75,953.71 | 75,927.00 | 75,917.46 | 48,814.18 | 48,797.67 | 48,745.09 | 48,743.35 | 48,554.13 | 48,529.10 | 48,517.75 | 48,507.12 | 48,319.40 | 48,309.64 | 48,305.29 | 48,403.26 | 48,430.81 | 48,355.37 | 48,346.37 | 48,302.63 | 48,006.39 |
| Preferred Shares Outstanding | 0 | 0 | 11.50 | 0 | 0 | 0 | 0 | 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 | 2023-12-31 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cost Of Revenue | 388,500.00 | 321,000.00 | 258,000.00 | 107,050.00 | 42,050.00 | 24,050.00 | 10,000.00 | -59,500.00 | 41,227.00 | 36,250.00 | 23,250.00 | -10,900.00 | 28,900.00 | 6,900.00 | 13,000.00 | -23,000.00 | 11,500.00 | 16,500.00 | 15,000.00 |
| Interest Income | 2,922,135.00 | 1,872,027.00 | 866,229.00 | -1,187,201.00 | 1,877,188.00 | 1,231,450.00 | 606,509.00 | -939,592.00 | 1,579,754.00 | 1,028,619.00 | 487,102.00 | -454,117.00 | 983,473.00 | 608,439.00 | 289,036.00 | -500,268.00 | 804,353.00 | 525,262.00 | 258,105.00 |
| Interest Expense | 1,127,699.00 | 723,844.00 | 340,331.00 | -568,442.00 | 884,123.00 | 573,805.00 | 280,631.00 | -303,791.00 | 652,509.00 | 402,820.00 | 167,051.00 | 74,979.00 | 102,077.00 | 35,223.00 | 11,444.00 | -24,278.00 | 34,988.00 | 23,427.00 | 11,864.00 |
| Net Interest | 4,019,115.00 | 2,593,989.00 | 1,192,917.00 | 1,546,782.00 | 731,918.00 | 484,542.00 | 239,434.00 | -478,481.00 | 689,594.00 | 467,307.00 | 241,696.00 | -400,335.00 | 668,631.00 | 435,146.00 | 210,355.00 | -378,731.00 | 604,951.00 | 395,186.00 | 194,115.00 |
| Non-Interest Income | 2,366,724.00 | 1,553,532.00 | 664,792.00 | -266,471.00 | 1,388,718.00 | 912,489.00 | 477,732.00 | -774,684.00 | 1,204,797.00 | 804,846.00 | 390,600.00 | -894,582.00 | 1,286,208.00 | 900,039.00 | 371,034.00 | -691,803.00 | 1,045,179.00 | 721,458.00 | 326,691.00 |
| Non-Interest Expense | 3,591,720.00 | 2,333,865.00 | 1,154,361.00 | 1,565,058.00 | 756,325.00 | 503,871.00 | 254,804.00 | -424,803.00 | 709,166.00 | 477,725.00 | 237,052.00 | -405,865.00 | 660,301.00 | 428,905.00 | 214,778.00 | -380,747.00 | 611,153.00 | 402,284.00 | 200,946.00 |
| Provisions for Credit Losses | 388,500.00 | 321,000.00 | 258,000.00 | 107,050.00 | 42,050.00 | 24,050.00 | 10,000.00 | -59,500.00 | 41,227.00 | 36,250.00 | 23,250.00 | 15,100.00 | 28,900.00 | 6,900.00 | -13,000.00 | 7,000.00 | 11,500.00 | 16,500.00 | -15,000.00 |
| Selling, General and Administrative Expenses | 105,885.00 | 65,150.00 | 28,852.00 | -41,473.00 | 67,379.00 | 43,321.00 | 21,596.00 | -41,338.00 | 66,579.00 | 44,452.00 | 21,387.00 | -36,734.00 | 63,243.00 | 41,202.00 | 20,426.00 | -34,025.00 | 58,783.00 | 38,334.00 | 17,772.00 |
| EBT | 1,813,938.00 | 1,104,273.00 | 279,150.00 | 832,712.00 | 396,449.00 | 260,784.00 | 133,874.00 | -252,406.00 | 340,800.00 | 221,614.00 | 111,594.00 | -301,264.00 | 408,166.00 | 299,354.00 | 125,755.00 | -228,085.00 | 330,691.00 | 216,888.00 | 109,566.00 |
| Income Tax | 352,809.00 | 208,092.00 | 35,151.00 | 143,911.00 | 75,203.00 | 49,181.00 | 23,616.00 | 14,068.00 | 61,699.00 | 39,067.00 | 19,157.00 | 59,332.00 | 76,657.00 | 55,835.00 | 19,792.00 | 31,837.00 | 56,169.00 | 36,833.00 | 16,923.00 |
| Net Income | 600,400.00 | 393,000.00 | 167,900.00 | -201,864.00 | 321,246.00 | 211,603.00 | 110,258.00 | -204,061.00 | 279,101.00 | 182,547.00 | 92,437.00 | -249,309.00 | 331,509.00 | 243,519.00 | 105,963.00 | -194,202.00 | 274,522.00 | 180,055.00 | 92,643.00 |
| EBIT | 2,941,637.00 | 1,828,117.00 | 619,481.00 | 264,270.00 | 1,280,572.00 | 834,589.00 | 414,505.00 | -556,197.00 | 993,309.00 | 624,434.00 | 278,645.00 | -226,285.00 | 510,243.00 | 334,577.00 | 137,199.00 | -252,363.00 | 365,679.00 | 240,315.00 | 121,430.00 |
| Deprecation and Amortization | 106,439.00 | 65,533.00 | 24,240.00 | -31,779.00 | 19,391.00 | 13,458.00 | 7,392.00 | -8,253.00 | 12,060.00 | 8,171.00 | 4,726.00 | -1,486.00 | 5,134.00 | 3,230.00 | 1,972.00 | -476.00 | 278.00 | 1,659.00 | 834.00 |
| EBITDA | 3,048,076.00 | 1,893,650.00 | 643,721.00 | 232,491.00 | 1,299,963.00 | 848,047.00 | 421,897.00 | -564,450.00 | 1,005,369.00 | 632,605.00 | 283,371.00 | -227,771.00 | 515,377.00 | 337,807.00 | 139,171.00 | -252,839.00 | 365,957.00 | 241,974.00 | 122,264.00 |
| EPS | 0.01 | 0.01 | 0.00 | -0.00 | 0.01 | 0.00 | 0.00 | -0.00 | 0.01 | 0.00 | 0.00 | -0.00 | 0.01 | 0.01 | 0.00 | -0.00 | 0.01 | 0.00 | 0.00 |
| Diluted EPS | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 72,349.95 | 70,523.17 | 65,063.26 | 48,895.75 | 48,727.91 | 48,704.07 | 48,663.51 | 48,612.67 | 48,492.02 | 48,474.86 | 48,435.02 | 48,228.97 | 48,351.01 | 48,376.87 | 48,406.84 | 48,555.04 | 48,237.82 | 48,196.35 | 48,096.64 |
| Average Shares Outstanding Diluted | 72,744.29 | 70,901.63 | 65,496.06 | 49,361.33 | 48,993.58 | 48,952.05 | 48,920.86 | 48,864.17 | 48,737.07 | 48,707.49 | 48,746.56 | 48,678.79 | 48,723.57 | 48,755.06 | 48,832.18 | 49,169.99 | 48,658.29 | 48,604.14 | 48,520.75 |
| 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 | 920,616.00 | 648,407.00 | 363,021.00 | -198,479.00 | 292,157.00 | 168,510.00 | 56,144.00 | -18,080.00 | 387,625.00 | 155,408.00 | 1,696.00 | -342,370.00 | 625,109.00 | 405,809.00 | 196,052.00 | 15,673.00 | 362,362.00 | 177,257.00 | 115,940.00 |
| Operating Net Income | 1,461,129.00 | 896,181.00 | 243,999.00 | 1,121,865.00 | 321,246.00 | 211,603.00 | 110,258.00 | 495,987.00 | 279,101.00 | 182,547.00 | 92,437.00 | 614,055.00 | 331,509.00 | 243,519.00 | 105,963.00 | 511,834.00 | 274,522.00 | 180,055.00 | 92,643.00 |
| Deprecation and Amortization | 106,439.00 | 65,533.00 | 24,240.00 | -31,779.00 | 19,391.00 | 13,458.00 | 7,392.00 | -8,253.00 | 12,060.00 | 8,171.00 | 4,726.00 | -1,486.00 | 5,134.00 | 3,230.00 | 1,972.00 | 5,066.00 | -278.00 | -1,659.00 | -834.00 |
| Deferred Income Tax | 25,219.00 | 23,772.00 | 16,710.00 | 514.00 | -6,798.00 | -6,853.00 | -3,037.00 | 5,502.00 | -11,437.00 | -10,649.00 | -3,855.00 | 463.00 | -6,332.00 | 584.00 | -1,023.00 | -20,392.00 | -3,403.00 | 825.00 | 10,246.00 |
| Share Based Compensation | 28,432.00 | 20,709.00 | 12,830.00 | -8,727.00 | 15,589.00 | 10,743.00 | 4,974.00 | -8,417.00 | 12,702.00 | 9,174.00 | 5,235.00 | -13,316.00 | 16,741.00 | 11,902.00 | 6,164.00 | -7,344.00 | 14,096.00 | 9,304.00 | 5,152.00 |
| Change in Working Capital | -204,256.00 | -271,650.00 | -268,994.00 | 156,087.00 | 111,406.00 | 4,973.00 | 23,827.00 | -50,042.00 | 140,785.00 | 133,276.00 | 89,546.00 | 470,833.00 | -322,234.00 | -281,837.00 | -191,496.00 | 218,797.00 | -139,924.00 | -57,228.00 | -166,297.00 |
| Other Operating Activities | -496,347.00 | -86,138.00 | 334,236.00 | -1,436,439.00 | -168,677.00 | -65,414.00 | -87,270.00 | -452,857.00 | -45,586.00 | -167,111.00 | -186,393.00 | -1,412,919.00 | 600,291.00 | 428,411.00 | 274,472.00 | -692,288.00 | 217,349.00 | 45,960.00 | 175,030.00 |
| Investing Cash Flow | -3,477,623.00 | -1,334,676.00 | 663,204.00 | -918,820.00 | -1,544,044.00 | -955,744.00 | 158,393.00 | -211,279.00 | -584,183.00 | -439,634.00 | -41,776.00 | 2,229,647.00 | -2,908,427.00 | -2,519,510.00 | -814,435.00 | 510,418.00 | -2,062,902.00 | -1,667,731.00 | -1,086,590.00 |
| 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 | 37,825.00 | 23,427.00 | 9,055.00 | -5,331.00 | 18,223.00 | 10,600.00 | 4,911.00 | -27,444.00 | 27,207.00 | 21,460.00 | 9,493.00 | -17,475.00 | 40,778.00 | 23,533.00 | 11,611.00 | -8,032.00 | 22,369.00 | 17,219.00 | 6,031.00 |
| Net Purchase/Sale of Investments Net | 6,669,299.00 | 4,369,561.00 | 2,036,807.00 | -17,283,343.00 | 14,444,120.00 | 13,060,941.00 | 5,872,369.00 | -1,100,730.00 | 2,072,091.00 | 1,711,384.00 | 357,327.00 | -3,927,202.00 | 3,361,694.00 | 2,951,670.00 | 1,384,855.00 | -3,498,243.00 | 5,711,935.00 | 3,746,857.00 | 2,099,520.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 2,415,581.00 | 2,159,132.00 | 3,952,154.00 | 1,117,707.00 | 2,693,761.00 | ||||||||||||||
| Other Investing Activities | -12,398,961.00 | -7,060,060.00 | -1,864,484.00 | 16,966,382.00 | -17,733,943.00 | -14,952,221.00 | -6,078,504.00 | 2,860,695.00 | -4,543,130.00 | -3,629,335.00 | -1,195,022.00 | 7,523,100.00 | -9,113,248.00 | -7,384,406.00 | -2,819,789.00 | 4,553,172.00 | -8,205,682.00 | -6,278,722.00 | -3,590,936.00 |
| Financing Cash Flow | 2,949,726.00 | 3,233,467.00 | 1,135,150.00 | 1,400,235.00 | 3,000,393.00 | 275,114.00 | 1,200,313.00 | -2,346,490.00 | 2,565,913.00 | 2,465,968.00 | 2,005,510.00 | 7,239,748.00 | -4,920,728.00 | -4,984,376.00 | -1,909,523.00 | -77,025.00 | 4,331,093.00 | 3,444,514.00 | 1,666,616.00 |
| Net Issuance/Repayment of Debt | 406,249.00 | 322,413.00 | -50,210.00 | -66,801.00 | 1,653,653.00 | 1,597,389.00 | 105,830.00 | -84,879,015.00 | 62,947,435.00 | 62,040,416.00 | 23,700,641.00 | 993,051.00 | -814,267.00 | -577,152.00 | -397,900.00 | -174,118.00 | 184,843.00 | 467,892.00 | 444,321.00 |
| Net Issuance/Repurchase of Equity | 546,756.00 | 544,927.00 | 250,575.00 | -15,074.00 | 7,738.00 | 7,537.00 | 7,537.00 | -15,533.00 | 8,096.00 | 7,902.00 | 7,902.00 | -54,102.00 | 31,806.00 | 31,806.00 | 22,487.00 | -6,878.00 | 4,269.00 | 4,088.00 | 4,027.00 |
| Dividends Paid | 95,006.00 | 62,504.00 | 30,117.00 | -38,029.00 | 57,602.00 | 38,542.00 | 19,012.00 | -36,370.00 | 55,312.00 | 36,871.00 | 18,432.00 | -35,343.00 | 53,666.00 | 35,790.00 | 17,917.00 | -28,457.00 | 48,816.00 | 30,935.00 | 15,456.00 |
| Other Financing Activities | 1,901,715.00 | 2,303,623.00 | 904,668.00 | 1,520,139.00 | 1,281,400.00 | -1,368,354.00 | 1,067,934.00 | 82,584,428.00 | -60,444,930.00 | -59,619,221.00 | -21,721,465.00 | 6,336,142.00 | -4,191,933.00 | -4,474,820.00 | -1,552,027.00 | 132,428.00 | 4,093,165.00 | 2,941,599.00 | 1,202,812.00 |
| Net Change in Cash | 392,719.00 | 2,547,198.00 | 2,161,375.00 | 282,936.00 | 1,748,506.00 | -512,120.00 | 1,414,850.00 | -2,575,849.00 | 2,369,355.00 | 2,181,742.00 | 1,965,430.00 | 9,127,025.00 | -7,204,046.00 | -7,098,077.00 | -2,527,906.00 | 436,439.00 | 2,630,553.00 | 1,954,040.00 | 695,966.00 |
| Cash at Beginning of Period | 8,448,691.00 | 8,448,691.00 | 8,448,691.00 | 8,165,755.00 | 5,528,258.00 | 5,528,258.00 | 5,528,258.00 | 8,104,107.00 | 1,557,874.00 | 1,557,874.00 | 1,557,874.00 | -7,569,151.00 | 9,214,564.00 | 9,214,564.00 | 9,214,564.00 | 8,778,125.00 | 3,497,566.00 | 3,497,566.00 | 3,497,566.00 |
| Cash at End of Period | 8,841,410.00 | 10,995,889.00 | 10,610,066.00 | 8,448,691.00 | 7,276,764.00 | 5,016,138.00 | 6,943,108.00 | 5,528,258.00 | 3,927,229.00 | 3,739,616.00 | 3,523,304.00 | 1,557,874.00 | 2,010,518.00 | 2,116,487.00 | 6,686,658.00 | 9,214,564.00 | 6,128,119.00 | 5,451,606.00 | 4,193,532.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |