SEZL: 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
Effect of exchange rate changes on cash	809	-
Net income	90,439	63,768
Depreciation and amortization	967	598
Provision for credit losses	65,624	33,447
Provision for other credit losses	20,814	8,523
Equity based compensation and restricted stock vested	5,180	2,771
Amortization of debt issuance costs	330	219
Fair value adjustment on warrants	0	0
Impairment losses on long-lived assets	68	66
Gain on sale of fixed assets	14	16
Loss on extinguishment of line of credit	0	0
Deferred income taxes	3,462	2,485
Notes receivable	85,172	53,796
Other receivables	24,605	8,917
Prepaid expenses and other assets	11,352	11,606
Merchant accounts payable	-11,445	-8,931
Other payables	-1,059	-4,645
Accrued and other liabilities	1,738	-1,496
Deferred revenue	608	22
Operating leases	35	30
Net cash provided from operating activities	55,618	22,522
Purchase of property and equipment	594	431
Internally developed intangible asset additions	1,509	897
Net cash used for investing activities	-2,103	-1,328
Proceeds from line of credit	105,800	95,000
Payments to line of credit	92,800	68,700
Payments of debt issuance costs	10	10
Proceeds from stock option exercises	3,618	3,564
Stock subscriptions collected related to stock option exercises	44	0
Proceeds from warrant exercises	0	0
Repurchase of common stock	34,630	30,663
Net cash used for financing activities	-17,978	-809
Net increase in cash, cash equivalents, and restricted cash	35,537	20,385
Cash and cash equivalents at beginning of period	98,310	-
Cash and cash equivalents at end of period	134,656	-

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

SEZL: the cashflow