Revenue: As of FY2025 Q3, the actual value is USD 42.02 M.EPS: As of FY2025 Q3, the actual value is USD 0.34, beating the estimate of USD 0.2967.EBIT: As of FY2025 Q3, the actual value is USD -12.2 M.<h3>Segment Revenue</h3><ul><li>Interest Income: Total interest income for the three months ended September 30, 2025 was $23,966 thousand, compared to $18,924 thousand for the same period in 2024. For the nine months ended September 30, 2025, interest income was $62,243 thousand, compared to $54,991 thousand in 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Interest Income: Net interest income for the three months ended September 30, 2025 was $18,607 thousand, compared to $14,763 thousand for the same period in 2024. For the nine months ended September 30, 2025, net interest income was $47,614 thousand, compared to $43,384 thousand in 2024.</li><li>Provision for Credit Losses: The provision for credit losses for the three months ended September 30, 2025 was $12,799 thousand, compared to $2,157 thousand for the same period in 2024. For the nine months ended September 30, 2025, the provision was $20,861 thousand, compared to $7,696 thousand in 2024.</li><li>Net Income: Net income for the three months ended September 30, 2025 was $4,891 thousand, compared to $3,454 thousand for the same period in 2024. For the nine months ended September 30, 2025, net income was $12,176 thousand, compared to $9,949 thousand in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Used in Operating Activities: For the nine months ended September 30, 2025, net cash used in operating activities was - $36,501 thousand, compared to - $15,648 thousand for the same period in 2024.</li><li>Net Cash Used in Investing Activities: For the nine months ended September 30, 2025, net cash used in investing activities was - $103,905 thousand, compared to - $98,864 thousand for the same period in 2024.</li><li>Net Cash Provided by Financing Activities: For the nine months ended September 30, 2025, net cash provided by financing activities was $136,871 thousand, compared to $83,305 thousand for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Strategic Program Loans: Strategic Program loans held-for-sale as of September 30, 2025 were $156,718 thousand, compared to $91,588 thousand as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company plans to maintain capital ratios that meet or exceed well-capitalized standards and limit dividends to maintain those ratios.</li><li>Non-Core Business: The company has a right of first refusal and option agreement with BFG members to purchase additional interests, with the option period expiring on January 1, 2028.</li></ul>

Finwise Bancorp | 10-Q: FY2025 Q3 Revenue: USD 42.02 M