JCAP: the cash flow

Cash Flow Overview

Change in Cash

-$9,429K

Free Cash flow

$62,974K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

2025-06-30

Net income

38,358

111,876

Depreciation and amortization

1,352

2,854

Amortization of debt issuance costs

1,522

2,494

Provision for credit losses

569

1,101

Stock-based compensation

8,850

Prepaid expenses

3,457

Deferred income tax

29,640

-12,386

Other assets

1,831

-645

Accounts receivable

-2,820

3,175

Accounts payable and accrued expenses

3,115

5,841

Net cash provided by operating activities

63,080

130,565

Purchases of receivables, net-Investment In Receivables

151,030

300,501

Purchases of receivables, net-Credit Card Receivables

6,916

13,138

Collections applied to receivables-Investment In Receivables

97,281

233,761

Collections applied to receivables-Credit Card Receivables

6,218

13,479

Purchases of property and equipment, net

106

539

Net cash used in investing activities

-54,553

-66,938

Proceeds from notes payable

681,790

Payments on notes payable

694,872

Payment of debt issuance costs

407

7,605

Dividends paid to stockholders

15,520

32,422

Proceeds from issuance of common stock

10,000

Net cash (used in) / provided by financing activities

-15,927

-43,109

Exchange rate effects on cash balances held in foreign currencies

-2,029

-3,261

Net (decrease) increase in cash and cash equivalents and restricted cash

-9,429

17,257

Cash and cash equivalents at beginning of period

38,243

Cash and cash equivalents at end of period

46,071

Time Plot

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