JCAP: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Net income	150,234	111,876
Depreciation and amortization	4,206	2,854
Amortization of debt issuance costs	4,016	2,494
Provision for credit losses	1,670	1,101
Stock-based compensation	8,850	-
Prepaid expenses	-	3,457
Deferred income tax	17,254	-12,386
Other assets	1,186	-645
Accounts receivable	355	3,175
Accounts payable and accrued expenses	8,956	5,841
Net cash provided by operating activities	193,645	130,565
Purchases of receivables, net-Investment In Receivables	451,531	300,501
Purchases of receivables, net-Credit Card Receivables	20,054	13,138
Collections applied to receivables-Investment In Receivables	331,042	233,761
Collections applied to receivables-Credit Card Receivables	19,697	13,479
Purchases of property and equipment, net	645	539
Net cash used in investing activities	-121,491	-66,938
Proceeds from notes payable	681,790	681,790
Payments on notes payable	694,872	694,872
Payment of debt issuance costs	8,012	7,605
Dividends paid to stockholders	47,942	32,422
Proceeds from issuance of common stock	10,000	10,000
Net cash (used in) / provided by financing activities	-59,036	-43,109
Exchange rate effects on cash balances held in foreign currencies	-5,290	-3,261
Net (decrease) increase in cash and cash equivalents and restricted cash	7,828	17,257
Cash and cash equivalents at beginning of period	38,243	-
Cash and cash equivalents at end of period	46,071	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

JCAP: the cashflow