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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	12.2	15.68	35.98	1.92	15.48
Depreciation & Amortization	15.59	13.2	7.36	9.15	13.45
Loss (Gain) From Sale of Investments	-5.47	-40.62	1.72	-3.44	-15.81
Asset Writedown & Restructuring Costs	-	-	-2.12	-0.6	-
Provision for Credit Losses	33.38	47.36	22.23	38.29	53.09
Loss (Gain) on Equity Investments	-2.49	-1.3	0.4	4.27	2.91
Change in Accounts Payable	6.7	-22.47	14.71	-94.5	56.53
Change in Unearned Revenue	-	-	-	-	2.01
Change in Other Net Operating Assets	776	96.64	-409.02	395.68	-184.21
Other Operating Activities	3.68	-12.55	-25.25	-16.82	2.44
Operating Cash Flow	829.65	77.56	-345.78	322.97	-37.65
Operating Cash Flow Growth	969.70%	-	-	-	-
Capital Expenditures	-10.58	-6.29	-30.15	-15.56	-18.56
Sale of Property, Plant & Equipment	2.59	-	11.79	-	4.43
Investment in Securities	-13.7	-5.01	96.45	37.96	13.07
Other Investing Activities	-	-	0	-	-
Investing Cash Flow	-21.69	-11.3	53.37	22.39	-1.07
Short-Term Debt Issued	-	-	-	-	393.75
Long-Term Debt Issued	280	230	150	54.25	100
Total Debt Issued	280	230	150	54.25	493.75
Short-Term Debt Repaid	-295	-150	-275	-156.16	-250
Long-Term Debt Repaid	-	-33.33	-33.33	-33.33	-25
Total Debt Repaid	-295	-183.33	-308.33	-189.49	-275
Net Debt Issued (Repaid)	-15	46.67	-158.33	-135.24	218.75
Repurchase of Common Stock	-3.35	-3.08	-4.76	-16.71	-33.47
Common Dividends Paid	-19.88	-18.26	-18.26	-18.15	-24
Financing Cash Flow	-38.23	25.33	-181.36	-170.1	161.28
Net Cash Flow	769.73	91.59	-473.77	175.26	122.56
Free Cash Flow	819.07	71.27	-375.93	307.41	-56.21
Free Cash Flow Growth	1049.30%	-	-	-	-
Free Cash Flow Margin	538.58%	51.91%	-343.65%	260.68%	-29.42%
Free Cash Flow Per Share	3.02	0.26	-1.38	1.09	-0.20