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	FY 2021
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	Dec '21 Dec 31, 2021
Interest and Dividend Income	61.71	62.94	62.1	62.9	51.47	14.77
Total Interest Expense	7.83	7.55	7.15	5.75	2.61	0.1
Net Interest Income	53.88	55.39	54.95	57.15	48.86	14.67
Revenue Before Loan Losses	53.88	55.39	54.95	57.15	48.86	14.67
Provision for Loan Losses	5.05	0.73	-0.58	0.94	3.89	0.2
Revenue	48.84	54.66	55.53	56.21	44.97	14.47
Revenue Growth	-13.73%	-1.57%	-1.20%	24.99%	210.82%	-
Cost of Services Provided	15.34	15.45	15.26	16.2	12.24	1.77
Total Operating Expenses	19	18.81	18.32	17.68	12.68	1.81
Operating Income	29.84	35.85	37.21	38.53	32.29	12.66
EBT Excluding Unusual Items	29.84	35.85	37.21	38.53	32.29	12.66
Gain (Loss) on Sale of Investments	-0.43	0.17	-0.17	0.18	-	-
Pretax Income	29.41	36.01	37.05	38.71	32.29	12.66
Net Income	29.41	36.01	37.05	38.71	32.29	12.66
Net Income to Common	29.41	36.01	37.05	38.71	32.29	12.66
Net Income Growth	-22.72%	-2.79%	-4.30%	19.87%	155.04%	-
Shares Outstanding (Basic)	21	21	19	18	18	6
Shares Outstanding (Diluted)	22	21	20	18	18	6
Shares Change	3.72%	8.71%	7.47%	3.37%	175.12%	-
EPS (Basic)	1.39	1.71	1.92	2.14	1.83	1.97
EPS (Diluted)	1.36	1.68	1.88	2.11	1.82	1.96
EPS Growth	-26.02%	-10.64%	-10.90%	15.93%	-7.14%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
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	Dec '21 Dec 31, 2021
Dividend Per Share	1.880	1.880	1.880	1.880	1.810	0.347
Dividend Growth	0%	0%	0%	3.87%	422.11%	-
Operating Margin	61.09%	65.58%	67.01%	68.55%	71.81%	87.51%
Profit Margin	60.21%	65.88%	66.71%	68.87%	71.81%	87.51%

SEC Filings: 10-K · 10-Q