Home Loan Financial Corporation (HLFN)

Home Loan Financial Cash Flow Statement

Financials in millions USD. Fiscal year is July - June.

Operating Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Net Income	7.22	5.48	5.17	4.16
Depreciation & Amortization	0.21	0.22	0.2	0.13
Gain (Loss) on Sale of Assets	-	0.02	0.03	0.17
Gain (Loss) on Sale of Investments	0.2	-0.25	0.05	0.07
Provision for Credit Losses	0.72	0.62	0.43	0.25
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.25	-0.19	-	1.49
Accrued Interest Receivable	-0.18	-0.26	-0.54	-0.23
Change in Other Net Operating Assets	0.4	1.13	0.89	1.15
Other Operating Activities	-0.14	-0.18	-0.15	-0.15
Operating Cash Flow	8.28	6.67	6.12	6.53
Operating Cash Flow Growth	24.23%	8.85%	-6.17%	249.36%

Investing Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Capital Expenditures	-0.04	-0.34	-0.24	-0.99
Sale of Property, Plant and Equipment	-	0.09	-	0
Investment in Securities	-2.07	1.34	-0	-6.83
Net Decrease (Increase) in Loans Originated / Sold - Investing	-29.96	-39.59	-37.58	-24.66
Other Investing Activities	0.55	-1.57	0.59	0
Investing Cash Flow	-31.51	-40.06	-37.23	-32.45

Financing Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Short-Term Debt Issued	-	13.1	28.2	-
Total Debt Issued	-	13.1	28.2	-
Short-Term Debt Repaid	-12.5	-	-	-
Long-Term Debt Repaid	-0.3	-2.33	-0.42	-0.5
Total Debt Repaid	-12.8	-2.33	-0.42	-0.5
Net Debt Issued (Repaid)	-12.8	10.77	27.78	-0.5
Common Dividends Paid	-2.72	-2.7	-2.69	-2.54
Net Increase (Decrease) in Deposit Accounts	38.18	24.31	5.33	0.3
Other Financing Activities	-	-	-	0
Financing Cash Flow	22.65	32.37	30.43	-2.74

Net Cash Flow

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Net Cash Flow	-0.58	-1.03	-0.68	-28.66

Free Cash Flow

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Free Cash Flow	8.24	6.32	5.88	5.54
Free Cash Flow Growth	30.39%	7.52%	6.20%	207.45%
Free Cash Flow Margin	48.81%	43.75%	44.50%	48.90%
Free Cash Flow Per Share	5.85	4.50	4.20	3.95

Additional Metrics

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Cash Interest Paid	6.97	4.1	1.55	1.11
Cash Income Tax Paid	2.05	1.58	1.63	0.98

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 31, 2026

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