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CARDIOL THERAPEUTICS INC. CONDENSED INTERIM CONSOLIDATED FINANCIAL STATEMENTS THREE AND SIX MONTHS ENDED JUNE 30, 2025 (EXPRESSED IN CANADIAN DOLLARS) (UNAUDITED) Cardiol Therapeutics Inc. Condensed Interim Consolidated

Key Takeaway: Cardiol Therapeutics Inc. released its interim consolidated financial statements for the six months ended June 30, 2025, reporting a net loss of $16.64 million, which is an increase from $15.77 million for the same period in 2024. The company's total assets dropped from approximately $31.86 million at the end of 2024 to about $19.94 million. Elevated operational costs and decreasing cash reserves underscore ongoing financial challenges faced by the company in its clinical development efforts, particularly related to its lead drug candidate, CardiolRx.

Market Sentiment Analysis

CONCERNS & RISKS

  • Significant increase in net loss and comprehensive loss for the period compared to the same period last year.
  • Decrease in total current and non-current assets compared to the previous financial year.
  • Rising operating expenses, particularly in general and administration, contribute to financial losses.

Full Press Release Details

CARDIOL THERAPEUTICS
CONSOLIDATED FINANCIAL STATEMENTS
MONTHS ENDED JUNE 30, 2025
Cardiol Therapeutics Inc.
Consolidated Statements of Financial Position
in Canadian Dollars)
As at June 30, 2025 As at December 31, 2024
ASSETS
Current assets
Cash and cash equivalents (note 3) $ 18,195,052 $ 30,580,029
Accounts receivable 58,921 100,366
Other receivables 220,966 261,255
Prepaid expenses 1,299,246 726,509
Total current assets 19,774,185 31,668,159
Non-current assets
Property and equipment (note 4) 163,514 195,592
Total assets $ 19,937,699 $ 31,863,751
EQUITY AND LIABILITIES
Current liabilities
Accounts payable and accrued liabilities (note 13) $ 7,987,270 $ 6,976,736
Current portion of lease liability (note 5) 35,556 33,009
Total current liabilities 8,022,826 7,009,745
Non-current liabilities
Lease liability (note 5) 106,998 125,523
Total liabilities 8,129,824 7,135,268
Equity
Share capital (note 7) 179,538,695 179,335,421
Contributed surplus 28,165,305 24,647,163
Deficit (195,896,125 ) (179,254,101 )
Total equity 11,807,875 24,728,483
Total equity and liabilities $ 19,937,699 $ 31,863,751
The accompanying notes are an integral
part of these unaudited condensed interim consolidated financial statements.
Commitments (note 11)
Subsequent events (note 8)
Approved on behalf of the Board:
Cardiol Therapeutics Inc.
Condensed Interim Consolidated Statements
of Loss and Comprehensive Loss
(Expressed in Canadian Dollars)
Three Months Ended Three Months Ended Six Months Ended Six Months Ended
June 30, June 30, June 30, June 30,
2025 2024 2025 2024
Operating expenses (notes 8, 12, 13)
General and administration (note 12) $ 4,944,477 $ 5,031,702 $ 9,616,128 $ 10,114,254
Research and development (note 12) 2,731,681 2,709,644 6,489,093 6,032,573
Loss before other income (7,676,158 ) (7,741,346 ) (16,105,221 ) (16,146,827 )
Interest income (note 3) 180,667 307,409 428,936 684,703
Gain (loss) on foreign exchange (858,880 ) 152,017 (965,739 ) 780,952
Change in derivative liability (note 6) - 691,047 - (1,117,556 )
Other income - - - 28,223
Net loss and comprehensive loss for the period $ (8,354,371 ) $ (6,590,873 ) $ (16,642,024 ) $ (15,770,505 )
Basic and diluted net loss per share (note 10) $ (0.10 ) $ (0.10 ) $ (0.20 ) $ (0.23 )
Weighted average number of common shares outstanding 82,653,373 68,751,105 82,631,305 68,005,224
The accompanying notes are an integral
part of these unaudited condensed interim consolidated financial statements.
Cardiol Therapeutics Inc.
Consolidated Statements of Cash Flows
in Canadian Dollars)
Six Months Six Months
Ended Ended
June 30, June 30,
2025 2024
Operating activities
Net loss and comprehensive loss for the period $ (16,642,024 ) $ (15,770,505 )
Adjustments for:
Depreciation of property and equipment 50,456 81,309
Amortization of intangible assets - 42,222
Share-based compensation (note 8) 3,687,156 2,707,686
Change in derivative liability - 1,117,556
Unrealized foreign exchange (gain)/loss on cash 668,830 (640,778 )
Accretion on lease liability 11,710 13,006
Changes in non-cash working capital items:
Accounts receivable 41,445 49,094
Other receivables 40,289 (11,646 )
Prepaid expenses (572,737 ) (676,412 )
Accounts payable and accrued liabilities 1,010,534 1,389,972
Net cash used in operating activities (11,704,341 ) (11,698,496 )
Investing activities
Purchase of property and equipment (18,378 ) (7,260 )
Net cash used in investing activities (18,378 ) (7,260 )
Financing activities
Proceeds from stock options exercised 34,260 177,510
Payment of lease liability (27,688 ) (23,073 )
Net cash provided by financing activities 6,572 154,437
Net change in cash and cash equivalents (11,716,147 ) (11,551,319 )
Cash and cash equivalents, beginning of period 30,580,029 34,931,778
Impact of foreign exchange on cash and cash equivalents (668,830 ) 640,778
Cash and cash equivalents, end of period $ 18,195,052 $ 24,021,237
The accompanying notes are an integral
part of these unaudited condensed interim consolidated financial statements.
Cardiol Therapeutics Inc.
Condensed Interim Consolidated Statements
of Changes in Equity
(Expressed in Canadian Dollars)
Share capital Contributed
Number Amount Warrants surplus Deficit Total
Balance, December 31, 2023 65,352,279 $ 148,519,136 $ 3,517,867 $ 18,786,306 $ (142,576,802 ) $ 28,246,507
Fair value of expired warrants - - (3,517,867 ) 3,517,867 - -
Restricted share units exercised 1,596,034 1,919,588 - (1,919,588 ) - -
Stock options exercised 175,000 177,510 - - - 177,510
Fair value of stock options exercised - 99,263 - (99,263 ) - -
Share-based compensation (note 8) - - - 2,707,686 - 2,707,686
Performance share units exercised 2,200,000 1,634,038 - (1,634,038 ) - -
Net loss and comprehensive loss for the period - - - - (15,770,505 ) (15,770,505 )
Balance, June 30, 2024 69,323,313 $ 152,349,535 $ - $ 21,358,970 $ (158,347,307 ) $ 15,361,198
Balance, December 31, 2024 82,608,992 $ 179,335,421 $ - $ 24,647,163 $ (179,254,101 ) $ 24,728,483
Restricted share units exercised 40,733 102,581 - (102,581 ) - -
Stock options exercised 25,000 34,260 - - - 34,260
Fair value of stock options exercised - 22,033 - (22,033 ) - -
Share-based compensation (note 8) - - - 3,687,156 - 3,687,156
Performance share units exercised - shares to be issued - 44,400 - (44,400 ) - -
Net loss and comprehensive loss for the period - - - - (16,642,024 ) (16,642,024 )
Balance, June 30, 2025 82,674,725 $ 179,538,695 $ - $ 28,165,305 $ (195,896,125 ) $ 11,807,875
The accompanying notes are an integral
part of these unaudited condensed interim consolidated financial statements.
Cardiol Therapeutics Inc.
Notes to Condensed Interim Consolidated
Financial Statements
Three and Six Months Ended June 30,
(Expressed in Canadian Dollars)
Cardiol Therapeutics
Inc. was incorporated under the laws of the Province of Ontario on January 19, 2017. The Corporation's registered and legal office
is located at 2265 Upper Middle Rd. E., Suite 602, Oakville, Ontario, L6H 0G5, Canada.
Cardiol Therapeutics
Inc. and its subsidiary (the "Corporation" or "Cardiol") is a clinical-stage life sciences company focused on developing
anti-inflammatory and anti-fibrotic therapies for the treatment of heart disease. The Corporation's lead small molecule drug candidate,
CardiolRx (cannabidiol) oral solution, is pharmaceutically manufactured and in clinical development for use in the treatment of
2018, the Corporation completed its initial public offering on the Toronto Stock Exchange (the "TSX"). As a result, the Corporation's
common shares commenced trading on that date on the TSX under the symbol "CRDL". On August 10, 2021, the Corporation's
common shares commenced trading on The Nasdaq Capital Market under the symbol "CRDL".
condensed interim consolidated financial statements have been prepared in accordance with International Accounting Standard 34, Interim
Financial Reporting. Accordingly, they do not include all of the information required for full annual financial statements required by
International Financial Reporting Standards and International Accounting Standards as issued by the International Accounting Standards
Board (IASB) and Interpretations (collectively "IFRS Accounting Standards").
condensed interim consolidated financial statements have been prepared on a historical cost basis. In addition, these unaudited condensed
interim consolidated financial statements have been prepared using the accrual basis of accounting except for cash flow information.
The policies applied
in these unaudited condensed interim consolidated financial statements are based on IFRS Accounting Standards issued and outstanding
as of August 13, 2025, the date the Board of Directors approved the statements. The same accounting policies and methods of computation
are followed in these unaudited condensed interim consolidated financial statements as compared with the most recent annual consolidated
financial statements as at and for the year ended December 31, 2024.
changes to IFRS Accounting Standards that are given effect in the Corporation's annual consolidated financial statements for the
year ending December 31, 2025, could result in restatement of these unaudited condensed interim consolidated financial statements.
on cash and cash equivalents for the three and six months ended June 30, 2025, amounted to $180,667 and $428,936 (three and six
months ended June 30, 2024 - $307,409 and $684,703).
Cardiol Therapeutics Inc.
Notes to Condensed Interim Consolidated
Financial Statements
Three and Six Months Ended June 30,
(Expressed in Canadian Dollars)
Right-of- Leasehold Office Computer
Cost use asset Equipment improvements equipment equipment Total
Balance, December 31, 2023 $ 341,238 $ 219,809 $ 237,248 $ 66,864 $ 128,657 $ 993,816
Additions - - - - 21,290 21,290
Disposals - (46,855 ) - - - (46,855 )
Balance, December 31, 2024 341,238 172,954 237,248 $ 66,864 $ 149,947 $ 968,251
Additions - - - - 18,378 18,378
Balance, June 30, 2025 $ 341,238 $ 172,954 $ 237,248 $ 66,864 $ 168,325 $ 986,629
Right-of- Leasehold Office Computer
Accumulated Depreciation use asset Equipment improvements equipment equipment Total
Balance, December 31, 2023 $ 196,668 $ 131,722 $ 207,552 $ 40,355 $ 80,461 $ 656,758
Depreciation for the year 63,984 26,426 29,696 5,302 17,994 143,402
Disposals - (27,501 ) - - - (27,501 )
Balance, December 31, 2024 $ 260,652 $ 130,647 $ 237,248 $ 45,657 $ 98,455 $ 772,659
Depreciation for the period 31,992 6,346 - 2,121 9,997 50,456
Balance, June 30, 2025 $ 292,644 $ 136,993 $ 237,248 $ 47,778 $ 108,452 $ 823,115
Right-of- Leasehold Office Computer
Carrying value use asset Equipment improvements equipment equipment Total
Balance, December 31, 2024 $ 80,586 $ 42,307 $ - $ 21,207 $ 51,492 $ 195,592
Balance, June 30, 2025 $ 48,594 $ 35,961 $ - $ 19,086 $ 59,873 $ 163,514
Carrying
Value
Balance, December 31, 2023 $ 174,340
Repayments (41,532 )
Accretion 25,724
Balance, December 31, 2024 $ 158,532
Repayments (27,688 )
Accretion 11,710
Balance, June 30, 2025 $ 142,554
Current portion 35,556
Long-term portion $ 106,998
the lease liability for the property lease that was classified as an operating lease, the Corporation discounted the lease payments using
its incremental borrowing rate. The original property lease had an expiration date of May 31, 2024, and the lease payments were
discounted with a 9% interest rate. During the year ended December 31, 2023, the property lease was extended to October 30,
2028. The lease liability was revalued as of the extension date with lease payments discounted with a 15% interest rate.
Cardiol Therapeutics Inc.
Notes to Condensed Interim Consolidated
Financial Statements
Three and Six Months Ended June 30,
(Expressed in Canadian Dollars)
2021, the Corporation issued 8,175,000 warrants as part of a unit financing. Each warrant was exercisable into one common share at the
price of USD$3.75 per share for a period of three years from closing. The warrants were classified as a derivative liability on the statement
of financial position and re-valued at each reporting date, as the warrants were issued in a currency other than the Corporation's functional
currency. During the three and six months ended June 30, 2024, the value of the derivative liability (increased)/decreased by $691,047
and $(1,117,556). During 2024, all 8,175,000 warrants expired unexercised.
a) Authorized share capital
share capital consists of an unlimited number of common shares. The common shares do not have a par value. All issued shares are fully
Common shares issued
Number of common shares Amount
Balance, December 31, 2023 65,352,279 $ 148,519,136
Restricted share units exercised (note 8) 1,596,034 1,919,588
Fair value of stock options exercised (note 8) - 99,263
Stock options exercised (note 8) 175,000 177,510
Performance share units exercised (note 8) 2,200,000 1,634,038
Balance, June 30, 2024 69,323,313 $ 152,349,535
Balance, December 31, 2024 82,608,992 $ 179,335,421
Restricted share units exercised (note 8) 40,733 102,581
Stock options exercised (note 8) 25,000 34,260
Fair value of stock options exercised (note 8) - 22,033
Performance share units exercised - shares to be issued (note 8) - 44,400
Balance, June 30, 2025 82,674,725 $ 179,538,695
has adopted an Omnibus Equity Incentive Plan in accordance with the policies of the TSX, which permits the grant or issuance of options,
Restricted Share Units ("RSUs"), Performance Share Units ("PSUs"), and Deferred Share Units ("DSUs"), as
well as other share-based payment arrangements. The maximum number of shares that may be issued upon the exercise or settlement of awards
granted under the plan may not exceed 15% of the Corporation's issued and outstanding shares from time to time. The Board of Directors
determines the price per common share and the number of common shares which may be allotted to directors, officers, employees, and consultants,
and all other terms and conditions of the option, subject to the rules of the TSX.
During the three and six months
ended June 30, 2025, the total expenses related to share-based compensation amounted to $2,540,182 and $3,687,156 (three and six months
ended June 30, 2024 - $1,805,586 and $2,707,686). All outstanding awards are settleable with common shares and not cash.
Cardiol Therapeutics Inc.
Notes to Condensed Interim Consolidated

Frequently Asked Questions

What are Cardiol Therapeutics' total assets as of June 30, 2025?

Total assets amount to $19,937,699 as of June 30, 2025.

How much did Cardiol Therapeutics lose in the latest quarter?

The net loss for the quarter is $8,354,371.

What was Cardiol Therapeutics' cash and equivalents at June 30, 2025?

Cash and cash equivalents totaled $18,195,052 at June 30, 2025.

What is the equity total for Cardiol as of June 30, 2025?

Total equity stands at $11,807,875 as of June 30, 2025.

What is Cardiol's main focus in life sciences?

Cardiol focuses on developing anti-inflammatory and anti-fibrotic therapies.

Last updated: Aug 14, 2025