UNTY
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 10.56 | 7.61 | 7.47 | 7.56 |
| Price to Sales | 314.42 | 302.87 | 257.10 | 241.71 |
| Book Value Per Common Share | 29.48 | 25.98 | 22.60 | 19.80 |
| Price to Book | 1.48 | 1.14 | 1.21 | 1.33 |
| Price to Operating Cash Flow | 9.12 | 6.44 | 6.73 | 11.64 |
| Price to Free Cash Flow | 9.25 | 6.57 | 6.97 | 12.31 |
| Enterprise Value to EBITDA | 39116.50 | 28736.88 | 44622.93 | 47277.70 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 34.17 | 28.71 | 35.39 | 31.25 | 29.05 | 23.28 | 32.16 | ||||
| Price to Sales | 14.66 | 13.07 | 914.61 | 12.39 | 1150.00 | 1022.87 | 1063.88 | ||||
| Book Value Per Common Share | 33.27 | 31.88 | 30.38 | 29.48 | 28.48 | 26.56 | 25.98 | 23.36 | 22.60 | 20.48 | 19.80 |
| Price to Book | 1.47 | 1.48 | 1.34 | 1.48 | 1.20 | 1.04 | 1.14 | 0.98 | 1.21 | 1.37 | 1.33 |
| Price to Operating Cash Flow | 10.77 | -18.66 | 22.92 | 19.25 | 17.73 | 17.48 | 38.29 | ||||
| Price to Free Cash Flow | 10.82 | -18.52 | 23.28 | 19.40 | 17.82 | 17.73 | 38.50 | ||||
| Enterprise Value to EBITDA | 141453.28 | 102993.66 | 100880.47 | 216119.26 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | 6.17 | 6.28 | 5.48 | |
| Revenue YoY | 39.52 | -10.74 | -1.15 | |
| EBITDA YoY | 7.88 | 59.84 | 12.36 | |
| Net Profit YoY | 4.39 | 3.25 | 6.47 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | -12.80 | 42.61 | 5.50 | 14.74 | -3.06 | 12.64 | |||||
| Revenue YoY | -7.43 | 7985.68 | -98.37 | 11190.54 | 3.40 | -14.55 | |||||
| EBITDA YoY | 15.66 | 71.30 | |||||||||
| Net Profit YoY | -12.74 | 42.19 | 6.35 | 13.76 | -6.81 | 12.94 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | 17.99 | 19.08 | 10.92 | 23.53 |
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 7.98 | 8.86 | 9.22 | 8.89 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 21.05 | 18.00 | 18.07 | 19.36 | 12.06 | 10.85 | 17.97 | 23.56 | |||
| Quick Ratio | |||||||||||
| Current Ratio | |||||||||||
| Debt to Equity | 7.61 | 8.16 | 8.04 | 7.98 | 8.27 | 8.63 | 8.86 | 9.30 | 9.22 | 8.62 | 8.89 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 1.56 | 1.54 | 1.57 | 1.78 |
| ROE | 14.02 | 15.19 | 16.08 | 17.56 |
| Gross Margin | -73.04 | -207.12 | ||
| Operating Margin | 8017.04 | 10179.74 | 5555.24 | 4944.34 |
| EBITDA Margin | 8035.44 | 10392.28 | 5803.13 | 5105.22 |
| Net Profit Margin | 2979.87 | 3982.65 | 3442.88 | 3196.37 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.50 | 0.56 | 0.42 | 0.41 | 0.37 | 0.42 | 0.44 | ||||
| ROE | 4.31 | 5.16 | 3.79 | 3.84 | 3.59 | 4.28 | 4.24 | ||||
| Gross Margin | -203.80 | -162.96 | 54.04 | ||||||||
| Operating Margin | 6481.88 | 11061.73 | 9886.81 | 4773.09 | |||||||
| EBITDA Margin | 6485.46 | 11075.72 | 9902.13 | 4939.64 | |||||||
| Net Profit Margin | 43.01 | 45.63 | 2594.63 | 39.75 | 3944.86 | 4377.45 | 3312.00 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | ||||
| Dividend Payout Ratio |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | ||||||||
| Dividend Payout Ratio | 10.05 | 8.20 | 11.44 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 2,654,017.00 | 2,578,507.00 | 2,444,948.00 | 2,033,713.00 |
| Deposits | 3,354,071.00 | 3,222,216.00 | 3,149,756.00 | 3,226,342.00 |
| Cash and Short-Term Investments | 180,438.00 | 194,776.00 | 114,793.00 | 244,818.00 |
| Cash and Cash Equivalents | 180,438.00 | 194,776.00 | 114,793.00 | 244,818.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 |
| Net Receivables | 12,691.00 | 13,582.00 | 13,403.00 | 9,586.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 23,378.00 | 24,767.00 | 25,602.00 | 25,163.00 |
| Goodwill | 1,516.00 | 1,500.00 | 1,500.00 | 1,500.00 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 14,106.00 | 12,552.00 | 12,345.00 | 10,040.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 2,358,434.00 | 2,317,077.00 | 2,205,721.00 | 1,827,984.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 295,583.00 | 261,430.00 | 239,227.00 | 205,729.00 |
| Shareholders Equity | 295,583.00 | 261,430.00 | 239,227.00 | 205,729.00 |
| Capital Stock | 103,936.00 | 100,426.00 | 97,204.00 | 94,003.00 |
| Share Premium | 0 | 0 | 0 | 0 |
| Retained Earnings | 227,331.00 | 191,108.00 | 156,958.00 | 123,037.00 |
| Treasury Shares | -33,577.00 | -27,367.00 | -11,675.00 | -11,633.00 |
| Accumulated Other Comprehensive Income | -2,107.00 | -2,737.00 | -3,260.00 | 322.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Investments | 154,878.00 | 143,491.00 | 140,946.00 | 79,322.00 |
| Debt | 10,310.00 | 10,310.00 | 10,310.00 | 10,310.00 |
| Common Shares Outstanding | 10,026.00 | 10,063.00 | 10,584.00 | 10,391.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 1,391.00 | 997.00 | 1,117.00 | 1,130.00 |
| Cost Of Revenue | 2,407.00 | 3,062.00 | 0 | 0 |
| Interest Income | 163,120.00 | 150,837.00 | 105,546.00 | 86,109.00 |
| Interest Expense | 57,127.00 | 48,497.00 | 10,631.00 | 7,741.00 |
| Net Interest | 98,611.00 | 94,997.00 | 90,108.00 | 77,039.00 |
| Non-Interest Income | 8,469.00 | 8,142.00 | 8,045.00 | 12,054.00 |
| Non-Interest Expense | -48,741.00 | -46,976.00 | -42,573.00 | -40,782.00 |
| Provisions for Credit Losses | 2,407.00 | 1,832.00 | 0 | 0 |
| Gross Profit | -1,016.00 | -2,065.00 | 0 | 0 |
| Selling, General and Administrative Expenses | 9,951.00 | 9,080.00 | 8,424.00 | 8,384.00 |
| EBT | 54,390.00 | 52,995.00 | 51,421.00 | 48,130.00 |
| Income Tax | 12,940.00 | 13,288.00 | 12,964.00 | 12,011.00 |
| Net Income | 41,450.00 | 39,707.00 | 38,457.00 | 36,119.00 |
| EBIT | 111,517.00 | 101,492.00 | 62,052.00 | 55,871.00 |
| Deprecation and Amortization | 256.00 | 2,119.00 | 2,769.00 | 1,818.00 |
| EBITDA | 111,773.00 | 103,611.00 | 64,821.00 | 57,689.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 10,031.00 | 10,207.00 | 10,508.00 | 10,403.00 |
| Average Shares Outstanding Diluted | 10,202.00 | 10,338.00 | 10,705.00 | 10,546.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 47,987.00 | 46,909.00 | 42,669.00 | 23,454.00 |
| Operating Net Income | 41,450.00 | 39,707.00 | 38,457.00 | 36,119.00 |
| Deprecation and Amortization | -256.00 | 2,119.00 | 2,769.00 | 1,818.00 |
| Deferred Income Tax | -1,747.00 | -87.00 | -1,205.00 | -1,456.00 |
| Share Based Compensation | 1,823.00 | 1,751.00 | 1,681.00 | 1,617.00 |
| Change in Working Capital | 2,987.00 | 4,438.00 | 1,210.00 | 1,753.00 |
| Other Operating Activities | 3,730.00 | -1,019.00 | -243.00 | -16,397.00 |
| Investing Cash Flow | -92,813.00 | -57,847.00 | -541,283.00 | -31,440.00 |
| Capital Expenditure | -693.00 | -955.00 | -1,482.00 | -1,269.00 |
| Net Purchase/Sale of PPE | -693.00 | -955.00 | -1,482.00 | -1,249.00 |
| Net Purchase/Sale of Investments Net | -9,823.00 | 3,410.00 | -68,783.00 | -31,062.00 |
| Net Purchase/Sale of Business | 785.00 | 2,166.00 | 0 | 53.00 |
| Net Loan & Lease Activity | -89,890.00 | -69,177.00 | -497,927.00 | -80,029.00 |
| Other Investing Activities | 7,501.00 | 7,664.00 | 28,391.00 | 82,116.00 |
| Financing Cash Flow | 30,488.00 | 90,921.00 | 368,589.00 | 33,493.00 |
| Net Issuance/Repayment of Debt | -135,934.00 | -26,562.00 | 343,000.00 | -160,000.00 |
| Net Issuance/Repurchase of Equity | 6,210.00 | 15,692.00 | 42.00 | 4,821.00 |
| Dividends Paid | 5,021.00 | 4,721.00 | 4,373.00 | 3,617.00 |
| Other Financing Activities | 155,191.00 | 97,070.00 | 21,174.00 | 185,055.00 |
| Net Change in Cash | -14,338.00 | 79,983.00 | -130,025.00 | 25,507.00 |
| Cash at Beginning of Period | 194,776.00 | 114,793.00 | 244,818.00 | 219,311.00 |
| Cash at End of Period | 180,438.00 | 194,776.00 | 114,793.00 | 244,818.00 |
| Free Cash Flow | 47,294.00 | 45,954.00 | 41,187.00 | 22,185.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 2,876,365.00 | 2,928,523.00 | 2,767,943.00 | 2,654,017.00 | 2,635,319.00 | 2,568,088.00 | 2,578,507.00 | 2,475,851.00 | 2,444,948.00 | 2,067,692.00 | 2,033,713.00 |
| Deposits | 0 | 0 | 3,472,757.00 | 3,354,071.00 | 0 | 3,686,785.00 | 3,222,216.00 | 3,450,050.00 | 3,149,756.00 | 3,261,413.00 | 3,226,342.00 |
| Cash and Short-Term Investments | 0 | 0 | 211,593.00 | 180,438.00 | 0 | 182,986.00 | 194,776.00 | 127,087.00 | 114,793.00 | 187,726.00 | 244,818.00 |
| Cash and Cash Equivalents | 203,486.00 | 293,733.00 | 211,593.00 | 180,438.00 | 194,501.00 | 182,986.00 | 194,776.00 | 127,087.00 | 114,793.00 | 187,726.00 | 244,818.00 |
| Short-Term Investments | 82,063.00 | 12,107.00 | 0 | 0 | 97,651.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 13,288.00 | 12,411.00 | 12,998.00 | 12,691.00 | 12,913.00 | 13,165.00 | 13,582.00 | 14,314.00 | 13,403.00 | 9,568.00 | 9,586.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 18,439.00 | 18,561.00 | 18,715.00 | 23,378.00 | 18,857.00 | 19,281.00 | 24,767.00 | 25,268.00 | 25,602.00 | 24,993.00 | 25,163.00 |
| Real Estate | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 176.00 | 0 | 0 | 0 |
| Goodwill | 1,516.00 | 1,516.00 | 1,516.00 | 1,516.00 | 1,516.00 | 0 | 1,500.00 | 0 | 1,500.00 | 0 | 1,500.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 131,252.00 | 139,348.00 | 0 | 0 | 143,712.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 14,627.00 | 14,106.00 | 0 | 12,681.00 | 12,552.00 | 12,360.00 | 12,345.00 | 9,928.00 | 10,040.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 2,542,342.00 | 2,608,683.00 | 2,461,801.00 | 2,358,434.00 | 2,351,062.00 | 2,301,327.00 | 2,317,077.00 | 2,235,392.00 | 2,205,721.00 | 1,852,764.00 | 1,827,984.00 |
| Payables and Expenses | 1,790.00 | 1,463.00 | 0 | 0 | 1,765.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 1,790.00 | 1,463.00 | 0 | 0 | 1,765.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 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 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 242,017.00 | 387,417.00 | 0 | 0 | 277,108.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 334,023.00 | 319,840.00 | 306,142.00 | 295,583.00 | 284,257.00 | 266,761.00 | 261,430.00 | 240,459.00 | 239,227.00 | 214,928.00 | 205,729.00 |
| Shareholders Equity | 334,023.00 | 319,840.00 | 306,142.00 | 295,583.00 | 284,257.00 | 266,761.00 | 261,430.00 | 240,459.00 | 239,227.00 | 214,928.00 | 205,729.00 |
| Capital Stock | 105,320.00 | 104,674.00 | 104,033.00 | 103,936.00 | 102,886.00 | 101,676.00 | 100,426.00 | 98,197.00 | 97,204.00 | 94,853.00 | 94,003.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 265,491.00 | 252,606.00 | 237,518.00 | 227,331.00 | 217,141.00 | 199,380.00 | 191,108.00 | 165,335.00 | 156,958.00 | 131,100.00 | 123,037.00 |
| Treasury Shares | 35,515.00 | 35,515.00 | -33,577.00 | -33,577.00 | 33,566.00 | -31,443.00 | -27,367.00 | -19,894.00 | -11,675.00 | -11,633.00 | -11,633.00 |
| Accumulated Other Comprehensive Income | -1,273.00 | -1,925.00 | -1,832.00 | -2,107.00 | -2,204.00 | -2,852.00 | -2,737.00 | -3,179.00 | -3,260.00 | 608.00 | 322.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 152,799.00 | 154,878.00 | 0 | 146,633.00 | 143,491.00 | 146,591.00 | 140,946.00 | 116,254.00 | 79,322.00 |
| Debt | 242,017.00 | 387,417.00 | 10,310.00 | 10,310.00 | 277,108.00 | 10,310.00 | 10,310.00 | 10,310.00 | 10,310.00 | 10,310.00 | 10,310.00 |
| Net Debt | 38,531.00 | 93,684.00 | 0 | 0 | 82,607.00 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 10,041.00 | 10,032.00 | 10,076.00 | 10,026.00 | 9,980.00 | 10,044.00 | 10,063.00 | 10,292.00 | 10,584.00 | 10,493.00 | 10,391.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|
| Revenues | 33,459.00 | 36,143.00 | 447.00 | 27,436.00 | 243.00 | 235.00 | 275.00 |
| Cost Of Revenue | 0 | 0 | 1,358.00 | 0 | 639.00 | 108.00 | 0 |
| Interest Income | 44,361.00 | 42,600.00 | 42,605.00 | 39,550.00 | 39,804.00 | 35,111.00 | 21,777.00 |
| Interest Expense | 14,505.00 | 14,043.00 | 13,550.00 | 14,694.00 | 14,096.00 | 9,443.00 | 1,215.00 |
| Net Interest | 0 | 0 | 27,251.00 | 0 | 23,841.00 | 23,910.00 | 19,904.00 |
| Non-Interest Income | 0 | 0 | 2,101.00 | 0 | 1,718.00 | 1,417.00 | 2,239.00 |
| Non-Interest Expense | 13,264.00 | 12,754.00 | -12,611.00 | 11,789.00 | -12,132.00 | -11,428.00 | -10,410.00 |
| Provisions for Credit Losses | 0 | 0 | 1,358.00 | 0 | 641.00 | 108.00 | 0 |
| Gross Profit | 0 | 0 | -911.00 | 0 | -396.00 | 127.00 | 0 |
| Selling, General and Administrative Expenses | 9,469.00 | 9,194.00 | 2,621.00 | 8,216.00 | 2,140.00 | 2,261.00 | 2,199.00 |
| EBT | 18,866.00 | 21,528.00 | 15,424.00 | 14,567.00 | 12,784.00 | 13,791.00 | 11,911.00 |
| Income Tax | 4,476.00 | 5,037.00 | 3,826.00 | 3,662.00 | 3,198.00 | 3,504.00 | 2,803.00 |
| Net Income Including Non-Controlling Interests | 14,390.00 | 16,491.00 | 0 | 10,905.00 | 0 | 0 | 0 |
| Net Income | 14,390.00 | 16,491.00 | 11,598.00 | 10,905.00 | 9,586.00 | 10,287.00 | 9,108.00 |
| EBIT | 0 | 0 | 28,974.00 | 0 | 26,880.00 | 23,234.00 | 13,126.00 |
| Deprecation and Amortization | 727.00 | 295.00 | 16.00 | 993.00 | 34.00 | 36.00 | 458.00 |
| EBITDA | 0 | 0 | 28,990.00 | 0 | 26,914.00 | 23,270.00 | 13,584.00 |
| EPS | 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 |
| Average Shares Outstanding Basic | 10,036.00 | 10,033.00 | 10,054.00 | 9,978.00 | 10,127.00 | 10,538.00 | 10,446.00 |
| Average Shares Outstanding Diluted | 10,233.00 | 10,212.00 | 10,247.00 | 10,148.00 | 10,276.00 | 10,686.00 | 10,664.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 45,540.00 | -25,320.00 | 17,854.00 | 17,654.00 | 15,762.00 | 13,750.00 | 7,633.00 |
| Operating Net Income | 14,395.00 | 16,491.00 | 11,598.00 | 10,905.00 | 9,586.00 | 10,287.00 | 9,108.00 |
| Deprecation and Amortization | 727.00 | 295.00 | -16.00 | 993.00 | 34.00 | 36.00 | 458.00 |
| Deferred Income Tax | -446.00 | -121.00 | -598.00 | -1,498.00 | -87.00 | 91.00 | -63.00 |
| Share Based Compensation | 536.00 | 536.00 | 493.00 | 455.00 | 476.00 | 417.00 | 394.00 |
| Change in Working Capital | 30,763.00 | -37,899.00 | 4,782.00 | 6,605.00 | 5,205.00 | 4,359.00 | 12,114.00 |
| Other Operating Activities | -435.00 | -4,622.00 | 1,595.00 | 194.00 | 548.00 | -1,440.00 | -14,378.00 |
| Investing Cash Flow | -69,112.00 | -35,084.00 | -82,766.00 | -46,503.00 | -3,025.00 | -19,945.00 | -76,424.00 |
| Capital Expenditure | 0 | 0 | -279.00 | 0 | -78.00 | -195.00 | -41.00 |
| Net Purchase/Sale of PPE | -214.00 | -187.00 | -279.00 | -139.00 | -78.00 | -195.00 | -41.00 |
| Net Purchase/Sale of Investments Net | 10,274.00 | 8,434.00 | 2,591.00 | 3,306.00 | -3,025.00 | 1,513.00 | -38,571.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 91.00 | 1,269.00 | 0 |
| Net Loan & Lease Activity | -89,890.00 | -69,177.00 | -497,927.00 | -80,029.00 | |||
| Other Investing Activities | -79,172.00 | -43,331.00 | 345.00 | -49,670.00 | 2,770.00 | 4,002.00 | 18,690.00 |
| Financing Cash Flow | -66,675.00 | 142,544.00 | 96,067.00 | 25,932.00 | -24,527.00 | 18,489.00 | 11,699.00 |
| Net Issuance/Repayment of Debt | -145,400.00 | 133,815.00 | 22,788.00 | -8,000.00 | -57,041.00 | -9,000.00 | 0 |
| Net Issuance/Repurchase of Equity | 0 | -1,938.00 | 0 | -281.00 | 4,076.00 | 8,973.00 | 639.00 |
| Dividends Paid | -1,446.00 | -1,352.00 | 1,355.00 | -1,248.00 | 1,261.00 | 1,215.00 | 1,008.00 |
| Other Financing Activities | 80,171.00 | 12,019.00 | 71,924.00 | 35,461.00 | 27,177.00 | 17,301.00 | 10,052.00 |
| Net Change in Cash | -90,247.00 | 82,140.00 | 31,155.00 | -2,917.00 | -11,790.00 | 12,294.00 | -57,092.00 |
| Cash at Beginning of Period | 293,733.00 | 211,593.00 | 180,438.00 | 197,418.00 | 194,776.00 | 114,793.00 | 244,818.00 |
| Cash at End of Period | 203,486.00 | 293,733.00 | 211,593.00 | 194,501.00 | 182,986.00 | 127,087.00 | 187,726.00 |
| Free Cash Flow | 45,326.00 | -25,507.00 | 17,575.00 | 17,515.00 | 15,684.00 | 13,555.00 | 7,592.00 |