REFI Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	62.1	62.9	51.47	14.77
Total Interest Expense	7.15	5.75	2.61	0.1
Net Interest Income	54.95	57.15	48.86	14.67
Revenue Before Loan Losses	54.95	57.15	48.86	14.67
Provision for Loan Losses	-0.58	0.94	3.89	0.2
Revenue	55.53	56.21	44.97	14.47
Revenue Growth (YoY)	-1.20%	24.99%	210.82%	-
Cost of Services Provided	15.26	16.2	12.24	1.77
Total Operating Expenses	18.32	17.68	12.68	1.81
Operating Income	37.21	38.53	32.29	12.66
EBT Excluding Unusual Items	37.21	38.53	32.29	12.66
Gain (Loss) on Sale of Investments	-0.17	0.18	-	-
Pretax Income	37.05	38.71	32.29	12.66
Net Income	37.05	38.71	32.29	12.66
Net Income to Common	37.05	38.71	32.29	12.66
Net Income Growth	-4.30%	19.87%	155.04%	-
Shares Outstanding (Basic)	19	18	18	6
Shares Outstanding (Diluted)	20	18	18	6
Shares Change (YoY)	7.47%	3.37%	175.12%	-
EPS (Basic)	1.92	2.14	1.83	1.97
EPS (Diluted)	1.88	2.11	1.82	1.96
EPS Growth	-10.90%	15.93%	-7.14%	-
Free Cash Flow	23.16	28.42	17.01	8.89
Free Cash Flow Per Share	1.17	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	67.01%	68.55%	71.81%	87.51%
Profit Margin	66.71%	68.87%	71.81%	87.51%
Free Cash Flow Margin	41.70%	50.56%	37.81%	61.46%

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