📊 Income Statement

Revenue by Product

Commercial Banking Business Segment
038M75M112M150M188M225M262M300MQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Revenue by Geography

Revenue, Gross Profit, Operating and Net Income

RevenueGross ProfitOperating IncomeNet Income
0375M750M1B2B2B2B3B3BQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Margin (%)

Gross MarginOperating MarginNet Income Margin
03875112150188225262300Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Operating Expenses

Selling And Marketing ExpensesGeneral And Administrative ExpensesOther Expenses
038M75M112M150M188M225M262M300MQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021

EBITDA

EBITDA
088M175M262M350M438M525M612M700MQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021

EPS

EPSEPS Diluted
012345678Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Revenue Variation (%)

Revenue Variation
-20-15-10-505101520Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Income Variation (%)

Gross Profit VariationOperating Income VariationNet Income Variation
06251K2K2K3K4K4K5KQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Revenue YoY Variation (%)

Revenue YoY Variation
-7-4-03610131720Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Income YoY Variation (%)

Gross Profit YoY VariationOperating Income YoY VariationNet Income YoY Variation
01252503755006257508751KQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Price-to-Earning Ratio

P/E Ratio
0255075100125150175200Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Income Breakdown

Operating IncomeInterest IncomeTotal Other Income Expenses NetNet Income
0250M500M750M1B1B2B2B2BQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Per Share Metrics

Revenue Per ShareNet Income Per ShareOperating Cash Flow Per Share
02581012151820Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Expense Ratios

Capex To Revenue
000001111Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021
💰 Cash Flow Statement

Operating Cash Flow

Operating Cash FlowCapital ExpenditureFree Cash Flow
075M150M225M300M375M450M525M600MQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Free Cash Flow

Cash At End Of Period
01B2B3B4B5B6B7B8BQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021

Cash Flow to Debt Ratio

Net Cash Provided By Operating ActivitiesNet Cash Used Provided By Financing Activities
050M100M150M200M250M300M350M400MQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021
🏦 Balance Sheet
📈 Key Metrics