SEZL: the cashflow

MyFinsight

For the quarter ending 2025-09-30, SEZL had $15,152K increase in cash & cash equivalents over the period. $32,933K in free cash flow.

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	26,671	63,768
Depreciation and amortization	369	598
Provision for credit losses	32,177	33,447
Provision for other credit losses	12,291	8,523
Equity based compensation and restricted stock vested	2,409	2,771
Amortization of debt issuance costs	111	219
Fair value adjustment on warrants	0	0
Impairment losses on long-lived assets	2	66
Gain on sale of fixed assets	-2	16
Loss on extinguishment of line of credit	0	0
Deferred income taxes	977	2,485
Notes receivable	31,376	53,796
Other receivables	15,688	8,917
Prepaid expenses and other assets	-254	11,606
Merchant accounts payable	-2,514	-8,931
Other payables	3,586	-4,645
Accrued and other liabilities	3,234	-1,496
Deferred revenue	586	22
Operating leases	5	30
Net cash provided from operating activities	33,096	22,522
Purchase of property and equipment	163	431
Internally developed intangible asset additions	612	897
Net cash used for investing activities	-775	-1,328
Proceeds from line of credit	10,800	95,000
Payments to line of credit	24,100	68,700
Payments of debt issuance costs	0	10
Proceeds from stock option exercises	54	3,564
Stock subscriptions collected related to stock option exercises	44	0
Proceeds from warrant exercises	0	0
Repurchase of common stock	3,967	30,663
Net cash used for financing activities	-17,169	-809
Net increase in cash, cash equivalents, and restricted cash	15,152	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