Ready Capital Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	-310.87	-435.76	339.45	194.26	157.74	44.87
Depreciation & Amortization	32.41	24.37	15.77	-	-	-
Gain on Sale of Loans & Receivables	-69.99	124.88	-	-	-	-
Loss (Gain) From Sale of Investments	47.27	52.54	66.53	2.43	-23.93	33.55
Asset Writedown & Restructuring Costs	18.05	15.09	-8.87	-23.48	-23.17	48.11
Provision for Credit Losses	222.06	294.88	16.22	37.8	9.35	46.5
Loss (Gain) on Equity Investments	-6.3	-7.7	2.93	-9.33	0.56	-1.89
Stock-Based Compensation	7.49	8.12	7.55	7.5	6.92	5.3
Net Decrease (Increase) in Loans Originated / Sold - Operating	611.87	326.04	18.06	192.09	-83.63	75.93
Change in Accounts Payable	-72.37	-22.21	13.98	-67.5	3.66	38.08
Change in Other Net Operating Assets	-107.06	-51.75	-68.91	63.86	-46.72	20.84
Other Operating Activities	-136.71	-91.67	-257.96	-43.59	-30.28	5.58
Operating Cash Flow	472.04	274.82	51.13	359.15	-34.44	68.89
Operating Cash Flow Growth	118.53%	437.48%	-85.76%	-	-	-
Cash Acquisitions	15.82	-44.37	38.71	123.57	-11.54	-
Investment in Securities	-23.24	-19.65	-9.69	114.5	1,975	-20.5
Net Decrease (Increase) in Loans Originated / Sold - Investing	1,680	1,448	935.85	-1,767	-3,723	-55.88
Other Investing Activities	75.79	85.51	-10.96	-23.91	-0.5	-
Investing Cash Flow	1,819	1,535	1,019	-1,556	-1,718	-59.44
Long-Term Debt Issued	-	2,320	5,248	10,378	12,702	7,366
Long-Term Debt Repaid	-	-3,858	-6,103	-8,939	-10,718	-7,236
Net Debt Issued (Repaid)	-2,013	-1,537	-855.05	1,439	1,984	130.28
Preferred Share Repurchases	-	-	-	-	-109.37	-
Issuance of Common Stock	-	-	0.11	123.49	166.69	13.41
Repurchase of Common Stock	-110.9	-83.49	-22.06	-42.79	-1.29	-10.52
Total Dividends Paid	-135.32	-206.06	-215.09	-187.83	-111.92	-56.89
Other Financing Activities	-91.7	-52.83	7	-160.45	-52.61	-13.24
Financing Cash Flow	-2,351	-1,880	-1,085	1,171	1,876	63.05
Net Cash Flow	-21.52	-60.16	-17.93	-49.98	122.85	72.5
Cash Interest Paid	524.08	659.26	661.17	355.23	186.1	156.26
Cash Income Tax Paid	-	-11.93	2.01	29.16	13.38	-8.48

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.