EPS: As of FY2025 Q2, the actual value is USD 0.15.

EBIT: As of FY2025 Q2, the actual value is USD 7.924 M.

Banking Segment

• Net Interest Income: $88,678 for the three months ended June 30, 2025, compared to $87,915 for the same period in 2024.
• Noninterest Income: $19,384 for the three months ended June 30, 2025, compared to $17,167 for the same period in 2024.
• Noninterest Expense: $100,840 for the three months ended June 30, 2025, compared to $97,343 for the same period in 2024.

Factoring Segment

• Factored Receivables: $1,401,377 as of June 30, 2025, compared to $1,204,510 as of December 31, 2024.
• Net Interest Income: $44,217 for the three months ended June 30, 2025, compared to $40,028 for the same period in 2024.

Payments Segment

• Revenue: Derived from transaction fees and interest income on factored receivables related to invoice payments.

Intelligence Segment

• Revenue: Derived through access and subscription fees, as well as seat licenses where applicable.

Cash Flow

• Operating Cash Flow: Net cash provided by operating activities was $6,179 for the six months ended June 30, 2025.
• Investing Cash Flow: Net cash used in investing activities was - $566,791 for the six months ended June 30, 2025.
• Financing Cash Flow: Net cash provided by financing activities was $512,841 for the six months ended June 30, 2025.

Future Outlook

• Strategic Focus: The company plans to leverage synergies between its Factoring, Payments, and Intelligence segments, with a focus on developing data products for the freight brokerage community.
• USPS Settlement: The company reached a settlement with USPS, resulting in a $47.5 million payment to resolve litigation, which positively impacted pretax net income by $12.4 million for the three months ended June 30, 2025.