REFI Income 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
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
Interest and Dividend Income	62.34	62.1	62.9	51.47	14.77
Total Interest Expense	7.12	7.15	5.75	2.61	0.1
Net Interest Income	55.22	54.95	57.15	48.86	14.67
Revenue Before Loan Losses	55.22	54.95	57.15	48.86	14.67
Provision for Loan Losses	0.93	-0.58	0.94	3.89	0.2
Revenue	54.29	55.53	56.21	44.97	14.47
Revenue Growth (YoY)	-4.52%	-1.20%	24.99%	210.82%	-
Cost of Services Provided	15.21	15.26	16.2	12.24	1.77
Total Operating Expenses	18.51	18.32	17.68	12.68	1.81
Operating Income	35.77	37.21	38.53	32.29	12.66
EBT Excluding Unusual Items	35.77	37.21	38.53	32.29	12.66
Gain (Loss) on Sale of Investments	-	-0.17	0.18	-	-
Pretax Income	35.77	37.05	38.71	32.29	12.66
Net Income	35.77	37.05	38.71	32.29	12.66
Net Income to Common	35.77	37.05	38.71	32.29	12.66
Net Income Growth	-7.14%	-4.30%	19.87%	155.04%	-
Shares Outstanding (Basic)	21	19	18	18	6
Shares Outstanding (Diluted)	21	20	18	18	6
Shares Change (YoY)	9.51%	7.47%	3.37%	175.12%	-
EPS (Basic)	1.73	1.92	2.14	1.83	1.97
EPS (Diluted)	1.69	1.88	2.11	1.82	1.96
EPS Growth	-15.26%	-10.90%	15.93%	-7.14%	-
Dividend Per Share	1.880	1.880	1.880	1.810	0.347
Dividend Growth	-	-	3.87%	422.11%	-
Operating Margin	65.90%	67.01%	68.55%	71.81%	87.51%
Profit Margin	65.90%	66.71%	68.87%	71.81%	87.51%

Updated Nov 4, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

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