REFI Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Net Interest Income	55.47	55.39	54.95	57.15	48.86
Net Interest Income Growth	1.31%	0.80%	-3.84%	16.97%	-
Non-Interest Income	-0.04	0.17	-0.17	0.18	-
Revenues Before Loan Losses	55.43	55.56	54.78	57.33	48.86
Provision for Credit Losses	5.64	0.73	-0.58	0.94	3.89
Revenue	49.79	54.82	55.37	56.39	44.97
Revenue Growth (YoY)	-12.07%	-0.98%	-1.81%	25.39%	-
Compensation Expenses	3.58	3.37	3.06	1.48	0.44
Selling, General & Admin	7.21	7.24	7.2	7.41	5.68
Other Non-Interest Expenses	8.19	8.2	8.06	8.78	6.56
Total Non-Interest Expense	18.98	18.81	18.32	17.68	12.68
Pretax Income	30.81	36.01	37.05	38.71	32.29
Net Income	30.81	36.01	37.05	38.71	32.29
Net Income to Common	30.81	36.01	37.05	38.71	32.29
Net Income Growth	-19.68%	-2.79%	-4.30%	19.87%	-
Shares Outstanding (Basic)	21	21	19	18	18
Shares Outstanding (Diluted)	21	21	20	18	18
Shares Change (YoY)	5.49%	8.71%	7.47%	3.37%	-
EPS (Basic)	1.46	1.71	1.92	2.14	1.83
EPS (Diluted)	1.44	1.68	1.88	2.11	1.82
EPS Growth	-23.40%	-10.64%	-10.90%	15.93%	-
Shares Outstanding	21.08	21.08	20.83	18.18	17.69
Free Cash Flow	24.33	28.79	23.16	28.42	17.01
Free Cash Flow Growth	-15.50%	24.32%	-18.50%	67.11%	-
Free Cash Flow Per Share	1.13	1.34	1.17	1.55	0.96
Dividends Per Share	1.880	1.880	1.880	1.880	1.810
Dividend Growth	-	-	-	3.87%	-
Profit Margin	61.88%	65.68%	66.91%	68.65%	71.81%
FCF Margin	48.87%	52.52%	41.83%	50.40%	37.81%

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q