| Metric | Q4 2022/2023 | Q4 2023/2024 | Q4 2024/2025 |
|---|---|---|---|
| Earnings & Returns | |||
| EPS (Annualized) | 18.06 | 12.55 ↓ 30.5% | -14.68 ↓ 217% |
| EPS (TTM) | 18.06 | 12.55 ↓ 30.5% | -14.68 ↓ 217% |
| ROE (Annualized) | 10.32% | 7.63% ↓ 26.1% | -9.66% ↓ 226.6% |
| ROE (TTM) | 10.32% | 7.63% ↓ 26.1% | -9.66% ↓ 226.6% |
| ROA (Annualized) | 1.56% | 1.02% ↓ 34.6% | -1.15% ↓ 212.7% |
| ROA (TTM) | 1.56% | 1.02% ↓ 34.6% | -1.15% ↓ 212.7% |
| Valuation Ratios | |||
| P/E Ratio (Latest) | -26.14 | -26.14 ↑ 0% | -26.14 ↑ 0% |
| P/E Ratio (TTM) | -22.85 | -22.85 ↑ 0% | -22.85 ↑ 0% |
| P/E Ratio (Annualized) | 31.01 | 57.37 ↑ 85% | -39.34 ↓ 168.6% |
| P/B Ratio | 3.34 | 4.46 ↑ 33.5% | 4.05 ↓ 9.2% |
| Graham Number | 261.01 | 213.40 ↓ 18.2% | 0.00 ↓ 100% |
| Price/Sales Ratio | 4.44 | 6.04 ↑ 36% | 5.98 ↓ 1% |
| Book Value Per Share | 167.65 | 161.28 ↓ 3.8% | 142.45 ↓ 11.7% |
| Banking & Operational | |||
| NPL to Total Loan | 10.47% | 12.49% ↑ 19.3% | 16.10% ↑ 28.9% |
| Credit to Deposit Ratio | 80.25% | 79.24% ↓ 1.3% | 73.28% ↓ 7.5% |
| Interest Rate Spread | 4.57% | 4.55% ↓ 0.4% | 4.56% ↑ 0.2% |
| Net Interest Margin | 5.91% | 4.48% ↓ 24.2% | 4.19% ↓ 6.5% |
| Net Profit Margin | 14.32% | 10.53% ↓ 26.5% | -15.20% ↓ 244.3% |
| Asset Turnover | 0.11 | 0.10 ↓ 9.1% | 0.08 ↓ 20% |