Finance House P.J.S.C. Cash Flow Statement

Financials in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Net Income	18.01	15.68	35.98	1.92	15.48	13.97	Upgrade
Depreciation & Amortization	14.78	13.2	7.36	9.15	13.45	15.21	Upgrade
Loss (Gain) From Sale of Investments	-31.7	-40.62	1.72	-3.44	-15.81	-6.42	Upgrade
Asset Writedown & Restructuring Costs	-	-	-2.12	-0.6	-	-	Upgrade
Provision for Credit Losses	42.16	47.36	22.23	38.29	53.09	74.1	Upgrade
Loss (Gain) on Equity Investments	-2.05	-1.3	0.4	4.27	2.91	0.31	Upgrade
Change in Accounts Payable	-5.35	-22.47	14.71	-94.5	56.53	-13.95	Upgrade
Change in Unearned Revenue	-	-	-	-	2.01	-15.52	Upgrade
Change in Other Net Operating Assets	542.11	96.64	-409.02	395.68	-184.21	-254.92	Upgrade
Other Operating Activities	18.31	-12.55	-25.25	-16.82	2.44	-16.77	Upgrade
Operating Cash Flow	584.75	77.56	-345.78	322.97	-37.65	-269.32	Upgrade
Capital Expenditures	-9.72	-6.29	-30.15	-15.56	-18.56	-7.09	Upgrade
Sale of Property, Plant & Equipment	-	-	11.79	-	4.43	-	Upgrade
Investment in Securities	-16.53	-5.01	96.45	37.96	13.07	183.18	Upgrade
Other Investing Activities	-17.96	-	0	-	-	24.23	Upgrade
Investing Cash Flow	-44.2	-11.3	53.37	22.39	-1.07	200.32	Upgrade
Short-Term Debt Issued	-	-	-	-	393.75	298.16	Upgrade
Long-Term Debt Issued	-	230	150	54.25	100	-	Upgrade
Total Debt Issued	50	230	150	54.25	493.75	298.16	Upgrade
Short-Term Debt Repaid	-	-150	-275	-156.16	-250	-173.1	Upgrade
Long-Term Debt Repaid	-	-33.33	-33.33	-33.33	-25	-75	Upgrade
Total Debt Repaid	-311.67	-183.33	-308.33	-189.49	-275	-248.1	Upgrade
Net Debt Issued (Repaid)	-261.67	46.67	-158.33	-135.24	218.75	50.06	Upgrade
Repurchase of Common Stock	-2.85	-3.08	-4.76	-16.71	-33.47	-0.55	Upgrade
Common Dividends Paid	-18.4	-18.26	-18.26	-18.15	-24	-29.16	Upgrade
Other Financing Activities	-	-	-	-	-	-1.22	Upgrade
Financing Cash Flow	-282.92	25.33	-181.36	-170.1	161.28	19.13	Upgrade
Net Cash Flow	257.63	91.59	-473.77	175.26	122.56	-49.88	Upgrade
Free Cash Flow	575.03	71.27	-375.93	307.41	-56.21	-276.42	Upgrade
Free Cash Flow Margin	329.82%	51.91%	-343.65%	260.68%	-29.42%	-135.04%	Upgrade
Free Cash Flow Per Share	-	0.26	-1.38	1.09	-0.20	-0.93	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.