REFI Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	63.15	62.9	51.47	14.77
Total Interest Expense	7.43	5.75	2.61	0.1
Net Interest Income	55.72	57.15	48.86	14.67
Revenue Before Loan Losses	55.72	57.15	48.86	14.67
Provision for Loan Losses	-1.14	0.94	3.89	0.2
Revenue	56.86	56.21	44.97	14.47
Revenue Growth (YoY)	6.49%	24.99%	210.82%	-
Cost of Services Provided	15.65	16.2	12.24	1.77
Total Operating Expenses	18.4	17.68	12.68	1.81
Operating Income	38.46	38.53	32.29	12.66
EBT Excluding Unusual Items	38.46	38.53	32.29	12.66
Gain (Loss) on Sale of Investments	0.06	0.18	-	-
Pretax Income	38.52	38.71	32.29	12.66
Net Income	38.52	38.71	32.29	12.66
Net Income to Common	38.52	38.71	32.29	12.66
Net Income Growth	5.35%	19.87%	155.04%	-
Shares Outstanding (Basic)	19	18	18	6
Shares Outstanding (Diluted)	19	18	18	6
Shares Change (YoY)	6.36%	3.37%	175.12%	-
EPS (Basic)	2.04	2.14	1.83	1.97
EPS (Diluted)	2.00	2.11	1.82	1.96
EPS Growth	-0.64%	15.93%	-7.14%	-
Free Cash Flow	36.84	28.42	17.01	8.89
Free Cash Flow Per Share	1.91	1.55	0.96	1.38
Dividend Per Share	1.880	1.880	1.810	0.347
Dividend Growth	0%	3.87%	422.11%	-
Operating Margin	67.64%	68.55%	71.81%	87.51%
Profit Margin	67.75%	68.87%	71.81%	87.51%
Free Cash Flow Margin	64.78%	50.56%	37.81%	61.46%

Source: S&P Capital IQ. Financial Services template. Financial Sources.