Income Statement
Balance Sheet
Cash Flow
| Line Item | Q4 2025Oct 31, 2025 | Q3 2025Jul 31, 2025 | Q2 2025Apr 30, 2025 | Q1 2025Jan 31, 2025 | Q4 2024Oct 31, 2024 | Q3 2024Jul 31, 2024 |
|---|---|---|---|---|---|---|
| Total Revenue | 35.1M | 31.6M | 30.1M | 27.8M | 27.3M | -- |
| Operating Revenue | 35.1M | 31.6M | 30.1M | 27.8M | 27.3M | -- |
| Selling General And Administration | 21.9M | 19.8M | 15.9M | 14.1M | 17.8M | -- |
| General And Administrative Expense | 21.9M | 19.8M | 15.9M | 14.1M | 17.8M | -- |
| Interest Expense | 44.8M | 44.2M | 42.9M | 47.5M | 48.3M | -- |
| Interest Income | 77.5M | 74.0M | 71.0M | 73.2M | 73.2M | -- |
| Net Interest Income | 32.6M | 29.8M | 28.0M | 25.7M | 24.9M | -- |
| Pretax Income | 9.9M | 8.8M | 11.7M | 11.1M | 8.1M | -- |
| Tax Provision | 4.7M | 2.2M | 3.2M | 3.0M | 2.6M | -- |
| Tax Effect Of Unusual Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -- |
| Net Income From Continuing And Discontinued Operation | 5.2M | 6.6M | 8.5M | 8.1M | 5.5M | -- |
| Net Income From Continuing Operation Net Minority Interest | 5.2M | 6.6M | 8.5M | 8.1M | 5.5M | -- |
| Net Income Including Noncontrolling Interests | 5.2M | 6.6M | 8.5M | 8.1M | 5.5M | -- |
| Net Income Common Stockholders | 5.2M | 6.6M | 8.5M | 8.1M | 5.3M | -- |
| Net Income | 5.2M | 6.6M | 8.5M | 8.1M | 5.5M | -- |
| Reconciled Depreciation | 902,000 | 727,000 | 728,000 | 744,000 | 842,000 | -- |
| Basic EPS | -- | 0.20 | 0.26 | 0.28 | -- | 0.36 |
| Diluted EPS | -- | 0.20 | 0.26 | 0.28 | -- | 0.36 |
| Basic Average Shares | -- | 32.4M | 32.5M | 29.1M | -- | 26.0M |
| Diluted Average Shares | -- | 32.4M | 32.5M | 29.1M | -- | 26.0M |
| Tax Rate For Calcs | 0.15 | 0.25 | 0.27 | 0.27 | 0.32 | -- |
| Normalized Income | 5.2M | 6.6M | 8.5M | 8.1M | 5.5M | -- |
| Diluted NI Availto Com Stockholders | 5.2M | 6.6M | 8.5M | 8.1M | 5.3M | -- |
| Net Income Continuous Operations | 5.2M | 6.6M | 8.5M | 8.1M | 5.5M | -- |
| Occupancy And Equipment | 2.0M | 1.8M | 1.6M | 1.6M | 1.6M | -- |
| Other Gand A | 11.8M | 9.7M | 6.7M | 5.5M | 6.4M | -- |
| Preferred Stock Dividends | -- | -- | -- | -- | 247,000 | 247,000 |
| Salaries And Wages | 10.1M | 10.1M | 9.2M | 8.6M | 11.3M | -- |
| Line Item | Q4 2025Oct 31, 2025 | Q3 2025Jul 31, 2025 | Q2 2025Apr 30, 2025 | Q1 2025Jan 31, 2025 | Q4 2024Oct 31, 2024 | Q3 2024Jul 31, 2024 |
|---|---|---|---|---|---|---|
| Cash And Cash Equivalents | 581.7M | 460.3M | 340.2M | 386.7M | 225.3M | -- |
| Cash Financial | 581.7M | 460.3M | 340.2M | 386.7M | 225.3M | -- |
| Other Short Term Investments | 953,000 | 161.1M | 105.8M | 159.5M | 953,000 | -- |
| Accounts Receivable | 30.8M | 33.4M | 29.8M | 30.3M | 32.5M | -- |
| Receivables | 30.8M | 33.4M | 29.8M | 30.3M | 32.5M | -- |
| Gross PPE | 39.8M | 26.7M | 27.2M | 27.7M | 40.1M | -- |
| Accumulated Depreciation | -13.5M | -- | -- | -- | -13.5M | -- |
| Net PPE | 26.4M | 26.7M | 27.2M | 27.7M | 26.6M | -- |
| Goodwill | 12.3M | 12.3M | 12.3M | 12.3M | 12.3M | -- |
| Goodwill And Other Intangible Assets | 22.9M | 23.1M | 23.5M | 24.0M | 24.4M | -- |
| Other Intangible Assets | 10.6M | 10.8M | 11.2M | 11.7M | 12.1M | -- |
| Investments And Advances | 81.9M | 161.1M | 105.8M | 159.5M | 300.3M | -- |
| Total Assets | 5.8B | 5.5B | 5.0B | 5.0B | 4.8B | -- |
| Accounts Payable | -- | -- | -- | -- | -- | 9.3M |
| Payables | 126,000 | 0.00 | 2.0M | 4.4M | 893,000 | -- |
| Payables And Accrued Expenses | 126,000 | 0.00 | 2.0M | 4.4M | 893,000 | -- |
| Long Term Debt | 103.5M | 102.1M | 101.8M | 106.8M | 102.5M | -- |
| Long Term Debt And Capital Lease Obligation | 108.5M | 105.0M | 104.9M | 109.7M | 108.6M | -- |
| Long Term Capital Lease Obligation | 5.0M | 2.9M | 3.1M | 2.9M | 6.1M | -- |
| Total Liabilities Net Minority Interest | 5.3B | 4.9B | 4.5B | 4.5B | 4.4B | -- |
| Common Stock | 325.9M | 326.0M | 329.8M | 330.5M | 215.6M | -- |
| Capital Stock | 325.9M | 326.0M | 329.8M | 330.5M | 215.6M | -- |
| Additional Paid In Capital | 2.5M | 2.5M | 2.5M | 2.5M | 2.5M | -- |
| Retained Earnings | 203.7M | 200.4M | 196.3M | 188.6M | 181.2M | -- |
| Gains Losses Not Affecting Retained Earnings | 562,000 | -847,000 | -317,000 | -302,000 | -130,000 | -- |
| Other Equity Adjustments | 562,000 | -847,000 | -317,000 | -302,000 | -130,000 | -- |
| Common Stock Equity | 532.7M | 528.1M | 528.3M | 521.3M | 399.2M | -- |
| Stockholders Equity | 532.7M | 528.1M | 528.3M | 521.3M | 399.2M | -- |
| Total Equity Gross Minority Interest | 532.7M | 528.1M | 528.3M | 521.3M | 399.2M | -- |
| Total Capitalization | 636.2M | 630.3M | 630.1M | 628.1M | 501.7M | -- |
| Net Tangible Assets | 509.8M | 505.0M | 504.8M | 497.3M | 374.8M | -- |
| Tangible Book Value | 509.8M | 505.0M | 504.8M | 497.3M | 374.8M | -- |
| Invested Capital | 636.2M | 630.3M | 630.1M | 628.1M | 501.7M | -- |
| Total Debt | 108.5M | 105.0M | 104.9M | 109.7M | 108.6M | -- |
| Share Issued | 31.9M | 32.2M | 32.5M | 32.5M | 26.0M | -- |
| Ordinary Shares Number | 31.9M | 32.2M | 32.5M | 32.5M | 26.0M | -- |
| Available For Sale Securities | 80.9M | -- | -- | -- | 299.3M | 153.0M |
| Buildings And Improvements | 3.2M | -- | -- | -- | 3.4M | -- |
| Capital Lease Obligations | 5.0M | 2.9M | 3.1M | 2.9M | 6.1M | -- |
| Cash Cash Equivalents And Federal Funds Sold | 581.7M | 460.3M | 340.2M | 386.7M | 225.3M | -- |
| Derivative Product Liabilities | 416,000 | 423,000 | 381,000 | 881,000 | 0.00 | -- |
| Income Tax Payable | 126,000 | 0.00 | 2.0M | 4.4M | 893,000 | -- |
| Long Term Provisions | 290.7M | 199.8M | 192.9M | 189.7M | 171.2M | -- |
| Non Current Deferred Liabilities | 33,000 | 73,000 | 96,000 | 118,000 | 141,000 | -- |
| Non Current Deferred Taxes Liabilities | 33,000 | 73,000 | 96,000 | 118,000 | 141,000 | -- |
| Other Properties | 36.6M | 26.7M | 27.2M | 27.7M | 36.7M | -- |
| Preferred Shares Number | -- | -- | -- | -- | -- | 1.5M |
| Preferred Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -- |
| Preferred Stock Equity | -- | -- | -- | -- | -- | 13.6M |
| Total Tax Payable | 126,000 | 0.00 | 2.0M | 4.4M | 893,000 | -- |
| Line Item | Q4 2025Oct 31, 2025 | Q3 2025Jul 31, 2025 | Q2 2025Apr 30, 2025 | Q1 2025Jan 31, 2025 | Q4 2024Oct 31, 2024 | Q3 2024Jul 31, 2024 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | 49.4M | 183.6M | -99.4M | -89.1M | 153.3M | -- |
| Cash Flow From Continuing Operating Activities | 49.4M | 183.6M | -99.4M | -89.1M | 153.3M | -- |
| Depreciation And Amortization | 902,000 | 727,000 | 728,000 | 744,000 | 842,000 | -- |
| Depreciation Amortization Depletion | 902,000 | 727,000 | 728,000 | 744,000 | 842,000 | -- |
| Stock Based Compensation | 6,000 | 0.00 | 0.00 | 75,000 | 72,000 | -- |
| Deferred Tax | 4.7M | 2.2M | 3.2M | 3.0M | 2.6M | -- |
| Deferred Income Tax | 4.7M | 2.2M | 3.2M | 3.0M | 2.6M | -- |
| Change In Working Capital | 38.9M | 182.3M | -100.5M | -104.2M | 135.3M | -- |
| Change In Other Working Capital | 326.4M | 435.4M | 77.0M | 7.6M | 249.2M | -- |
| Other Non Cash Items | -32.6M | -29.8M | -28.0M | -25.7M | -24.9M | -- |
| Capital Expenditure | -290,000 | -- | -- | -1.5M | -- | -2.3M |
| Purchase Of PPE | -290,000 | 57,000 | 731,000 | -1.5M | 103,000 | -- |
| Net PPE Purchase And Sale | -290,000 | 57,000 | 731,000 | -1.5M | 103,000 | -- |
| Sale Of Investment | 82.5M | -53.4M | 52.6M | 136.7M | -- | -49.6M |
| Net Investment Purchase And Sale | 77.2M | -53.4M | 52.6M | 136.7M | -141.0M | -- |
| Investing Cash Flow | 76.9M | -57.6M | 57.6M | 135.3M | -153.0M | -- |
| Cash Flow From Continuing Investing Activities | 76.9M | -57.6M | 57.6M | 135.3M | -153.0M | -- |
| Repayment Of Debt | -198,000 | -169,000 | 183,000 | -183,000 | -195,000 | -- |
| Net Issuance Payments Of Debt | -198,000 | -209,000 | 223,000 | -183,000 | -195,000 | -- |
| Issuance Of Capital Stock | 583,000 | 0.00 | -690,000 | 114.9M | -- | 0.00 |
| Repurchase Of Capital Stock | -3.7M | -- | -- | -- | -14.6M | 0.00 |
| Net Common Stock Issuance | -3.1M | -5.4M | -690,000 | 114.9M | 607,000 | -- |
| Common Stock Payments | -3.7M | -- | -- | -- | 0.00 | 0.00 |
| Financing Cash Flow | -4.1M | -6.4M | -1.3M | 113.9M | -15.1M | -- |
| Cash Flow From Continuing Financing Activities | -4.1M | -6.4M | -1.3M | 113.9M | -15.1M | -- |
| Effect Of Exchange Rate Changes | -777,000 | 541,000 | -3.4M | 1.3M | -7.9M | -- |
| Changes In Cash | 122.2M | 119.6M | -43.1M | 160.1M | -14.8M | -- |
| Beginning Cash Position | 460.3M | 340.2M | 386.7M | 225.3M | 248.0M | -- |
| End Cash Position | 581.7M | 460.3M | 340.2M | 386.7M | 225.3M | -- |
| Free Cash Flow | 49.1M | 183.6M | -98.7M | -90.5M | 153.4M | -- |
| Amortization Cash Flow | 902,000 | 727,000 | 728,000 | 744,000 | -- | 586,000 |
| Amortization Of Intangibles | 902,000 | 727,000 | 728,000 | 744,000 | -- | 586,000 |
| Cash Dividends Paid | -802,000 | -807,000 | -813,000 | -813,000 | -897,000 | -- |
| Common Stock Issuance | 583,000 | 0.00 | -690,000 | 114.9M | -- | 0.00 |
| Interest Paid Cfo | -41.5M | -50.0M | -47.7M | -47.7M | -38.4M | -- |
| Interest Received Cfo | 75.9M | 71.4M | 70.4M | 75.7M | 69.7M | -- |
| Long Term Debt Payments | -198,000 | -169,000 | 183,000 | -183,000 | -195,000 | -- |
| Net Foreign Currency Exchange Gain Loss | 784,000 | 997,000 | -3.0M | 4.3M | 6.7M | -- |
| Net Income From Continuing Operations | 5.2M | 6.6M | 8.5M | 8.1M | 5.5M | -- |
| Net Long Term Debt Issuance | -198,000 | -209,000 | 223,000 | -183,000 | -195,000 | -- |
| Operating Gains Losses | 784,000 | 997,000 | -3.0M | 4.3M | 6.7M | -- |
| Taxes Refund Paid | -4.5M | -2.0M | -4.0M | -4.0M | -4.2M | -- |