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	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Net Interest Income	53.88	55.39	54.95	57.15	48.86
Net Interest Income Growth	-3.77%	0.80%	-3.84%	16.97%	-
Non-Interest Income	-0.43	0.17	-0.17	0.18	-
Non-Interest Income Growth	-	-	-	-	-
Revenues Before Loan Losses	53.45	55.56	54.78	57.33	48.86
Provision for Credit Losses	5.05	0.73	-0.58	0.94	3.89
Revenue	48.41	54.82	55.37	56.39	44.97
Revenue Growth	-14.49%	-0.98%	-1.81%	25.39%	-
Compensation Expenses	3.66	3.37	3.06	1.48	0.44
Selling, General & Admin	7.48	7.24	7.2	7.41	5.68
Other Non-Interest Expenses	7.86	8.2	8.06	8.78	6.56
Total Non-Interest Expense	19	18.81	18.32	17.68	12.68
Pretax Income	29.41	36.01	37.05	38.71	32.29
Net Income	29.41	36.01	37.05	38.71	32.29
Net Income to Common	29.41	36.01	37.05	38.71	32.29
Net Income Growth	-22.72%	-2.79%	-4.30%	19.87%	-
Shares Outstanding (Basic)	21	21	19	18	18
Shares Outstanding (Diluted)	22	21	20	18	18
Shares Change	3.74%	8.71%	7.47%	3.37%	-
EPS (Basic)	1.39	1.71	1.92	2.14	1.83
EPS (Diluted)	1.37	1.68	1.88	2.11	1.82
EPS Growth	-25.14%	-10.64%	-10.90%	15.93%	-
Free Cash Flow	26.92	28.79	23.16	28.42	17.01
Free Cash Flow Growth	11.63%	24.32%	-18.50%	67.11%	-
Free Cash Flow Per Share	1.25	1.34	1.17	1.55	0.96
Dividends Per Share	1.880	1.880	1.880	1.880	1.810
Dividend Growth	0%	0%	0%	3.87%	-
Profit Margin	60.75%	65.68%	66.91%	68.65%	71.81%
FCF Margin	55.62%	52.52%	41.83%	50.40%	37.81%

SEC Filings: 10-K · 10-Q