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Financial statements

Central Bancompany, Inc. financial statements

Income statement, balance sheet and cash flow statement for the last 2 fiscal years, taken from the XBRL data Central Bancompany, Inc. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

FY2025FY2025
Selling and marketing2020.7
Pre-tax income394507
Income tax87.9116
Net income306391
EPS, basic1.391.75
EPS, diluted1.391.75
Shares, basic (weighted)221222
Shares, diluted (weighted)221222
Dividend per share0.261.12

Balance sheet

FY2025FY2025
Cash and equivalents1,2422,064
Goodwill348348
Intangible assets6.653.43
Total assets19,24320,752
Total liabilities16,13216,968
Paid-in capital13.3419
Retained earnings3,3343,477
Treasury stock-99.4-99.2
Other comprehensive income-140-16.9
Shareholders' equity3,1113,784
Total equity3,1113,784
Total liabilities and equity19,24320,752

Cash flow statement

FY2025FY2025
Net income306391
Depreciation and amortization19.220
Stock-based compensation3.463.12
Deferred income tax-6.66-3.44
Cash from operations363248
Capital expenditures-25.2-16.8
Purchases of investments-3,762-2,566
Sales and maturities of investments2,2281,640
Cash from investing-634-464
Stock issued0403
Share buybacks-12.10
Dividends paid-57.5-247
Cash from financing-1721,038
Net change in cash-443822
Free cash flow338231
Interest paid216199
Income taxes paid92144

Key metrics

Worked out from the statements above. Latest values use fiscal 2025. Valuation uses the share price of $32.06 on September 25, 2026.

Profitability

MetricValueHow it is calculated
Effective tax rate22.8%Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)11.3%Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)2.0%Net income / average total assets.

Growth

MetricValueHow it is calculated
Net income growth, 1y27.8%Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y25.9%EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y-31.7%Operating cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow growth, 1y-31.6%Free cash flow vs the same period a year earlier. Only from a positive base.
Dividend per share growth, 1y330.8%Dividend per share vs the same period a year earlier. Only from a positive base.
Book value growth, 1y21.6%Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y7.8%Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y0.8%Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

MetricValueHow it is calculated
Liabilities / assets81.8%Total liabilities / total assets.
Goodwill and intangibles / assets1.7%(Goodwill + intangible assets) / total assets.
Tangible book value$3.43BShareholders' equity - goodwill - intangible assets.

Efficiency

MetricValueHow it is calculated
FCF conversion59.2%Free cash flow / net income, when net income is positive.
Capex / operating cash flow6.8%Capital expenditures / cash from operations, when that is positive.

Per share

MetricValueHow it is calculated
EPS, diluted$1.75Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
EPS, basic$1.75Net income per basic share, as reported (split-adjusted).
FCF per share$1.04Free cash flow / diluted weighted shares.
Operating cash flow per share$1.12Cash from operations / diluted weighted shares.
Book value per share$17.02Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share$15.44Tangible book value / shares outstanding.
Cash per share$9.28(Cash + short-term investments) / shares outstanding.
Dividend per share$1.12Dividend declared per common share (paid, when declared is not tagged).
Payout ratio63.1%Dividends paid / net income, when net income is positive.
Dividends / FCF106.5%Dividends paid / free cash flow, when free cash flow is positive.
Buybacks / FCF0.0%Share buybacks / free cash flow, when free cash flow is positive.

Valuation

MetricValueHow it is calculated
Market cap$7.68BShare price x shares outstanding.
Enterprise value$5.61BMarket cap + total debt - cash - short-term investments.
P/E19.6xMarket cap / net income. Only when net income is positive.
P/B2.03xMarket cap / shareholders' equity. Only when equity is positive.
Price / tangible book2.24xMarket cap / tangible book value, when positive.
P/FCF33.2xMarket cap / free cash flow. Only when free cash flow is positive.
P/OCF30.9xMarket cap / cash from operations, when positive.
EV/FCF24.3xEnterprise value / free cash flow, when both are positive.
FCF yield3.0%Free cash flow / market cap.
Earnings yield5.1%Net income / market cap (the inverse of P/E).
Dividend yield3.2%Dividends paid over the period / market cap.
Shareholder yield3.2%(Dividends paid + share buybacks) / market cap.
Was Central Bancompany, Inc. profitable in fiscal 2025?

Yes. Net income was $390.9M, a net margin of -.

How much free cash flow did Central Bancompany, Inc. generate in fiscal 2025?

Cash from operations of $248.2M minus capital expenditures of $16.8M left free cash flow of $231.4M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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