JCAP: the cash flow

MyFinsight

For the quarter ending 2025-09-30, JCAP had -$9,429K decrease in cash & cash equivalents over the period. $62,974K in free cash flow.

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	0	681,790
Payments on notes payable	0	694,872
Payment of debt issuance costs	407	7,605
Dividends paid to stockholders	15,520	32,422
Proceeds from issuance of common stock	0	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	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.