Financiera Confianza S.A.A. (BVL:FCONFIC1)

Financiera Confianza Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	41.95	12.7	12.02	42.81	3.16	14.26
Depreciation & Amortization	13.41	12.13	9.36	7.42	7.12	8.88
Provision for Credit Losses	153.93	153.93	157.42	91.3	122.85	120.97
Change in Accounts Payable	42.91	-5.73	-27.94	15.28	-7.09	5.22
Change in Other Net Operating Assets	-301.35	-134.17	-285.75	-243.88	-95.7	-296.04
Other Operating Activities	9.02	3.55	-23.98	11.17	-25.33	-11.24
Operating Cash Flow	-40.13	42.41	-158.88	-75.9	5.01	-157.97
Capital Expenditures	-2.68	-3.09	-8.09	-2.62	-1.99	-3.86
Sale of Property, Plant and Equipment	0.19	0.19	1.33	-	-	0.02
Investment in Securities	-15.27	-	-	-	-	-
Purchase / Sale of Intangibles	-10.81	-10.81	-13.26	-7.83	-1.66	-2.03
Investing Cash Flow	-94.33	-13.71	-20.02	-10.45	-3.64	-5.87
Long-Term Debt Issued	-	-	202.77	144.05	-	3.97
Long-Term Debt Repaid	-	-120.45	-	-	-11.18	-
Net Debt Issued (Repaid)	-120.45	-120.45	202.77	144.05	-11.18	3.97
Common Dividends Paid	-5.47	-5.41	-19.27	-	-	-
Net Increase (Decrease) in Deposit Accounts	125	125	-2.01	21.12	-189.77	395.9
Other Financing Activities	158.01	-	-	-	-	-
Financing Cash Flow	157.09	-0.86	181.5	165.17	-200.95	399.87
Net Cash Flow	22.64	27.83	2.61	78.81	-199.58	236.04
Free Cash Flow	-42.81	39.32	-166.97	-78.52	3.03	-161.82
Free Cash Flow Margin	-11.95%	13.53%	-56.86%	-25.68%	1.32%	-64.14%
Free Cash Flow Per Share	-7.94	7.30	-30.98	-14.57	0.56	-30.03
Cash Income Tax Paid	-	-	-	-	-	18.5

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