Интерпретация финансового отчета компании, 300 слов, англ.

Review the financial statements of the fintech lending company called Cardinal: https://drive.google.com/file/d/1M1W-ryvboKsEBiiKVbYKzG9MDRUR9538/view?usp=sharing. Write a bullet-pointed list including: a) major changes you see from one year to the next, b) whether you think these changes are good or bad, and why you think this, and c) possible explanations for these changes. The report should total around 300 words.