REFI Cash Flow 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
Net Income	38.52	38.71	32.29	12.66
Other Amortization	0.41	0.55	0.56	0.1
Loss (Gain) From Sale of Investments	-0.06	-0.18	-	-
Provision for Credit Losses	-1.14	0.94	3.89	0.2
Stock-Based Compensation	2.75	1.48	0.44	0.04
Change in Accounts Payable	0.29	0.17	0.76	0.27
Change in Other Net Operating Assets	7.44	-1.01	-10.14	-2.25
Other Operating Activities	-13.11	-12.44	-9.8	-1.86
Operating Cash Flow	36.84	28.42	17.01	8.89
Operating Cash Flow Growth	110.01%	67.10%	91.23%	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-8.77	-1.93	-125.24	-193.63
Investing Cash Flow	-8.77	-1.93	-125.24	-193.63
Long-Term Debt Issued	-	82	58	-
Long-Term Debt Repaid	-	-74	-	-
Net Debt Issued (Repaid)	-9	8	58	-
Issuance of Common Stock	20.8	7.22	4.51	301.38
Common Dividends Paid	-40.93	-39.13	-28.17	-6.85
Other Financing Activities	-0.87	-0.4	-0.63	-2.79
Financing Cash Flow	-30.01	-24.31	33.71	291.73
Net Cash Flow	-1.94	2.18	-74.53	107
Free Cash Flow	36.84	28.42	17.01	8.89
Free Cash Flow Growth	110.01%	67.10%	91.23%	-
Free Cash Flow Margin	64.78%	50.56%	37.81%	61.46%
Free Cash Flow Per Share	1.91	1.55	0.96	1.38
Cash Interest Paid	6.84	5.03	1.66	-

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