United Finance PLC. (DSE:UNITEDFIN)

United Finance PLC. Cash Flow Statement

Financials in millions BDT. 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	211.45	209.23	143.1	142.54	222.24	211.23
Depreciation & Amortization	71.7	71.73	72.77	72.65	70.67	64.35
Other Amortization	8.02	10.68	11.72	9.48	5.26	-
Provision for Credit Losses	165.17	229.12	129.13	177.47	26.06	-
Change in Other Net Operating Assets	1,104	388.18	-209.68	-2,547	783.18	-1,694
Other Operating Activities	-341.59	-109.57	-4.09	-188.34	-54.04	28.94
Operating Cash Flow	1,218	798.81	142.29	-2,334	1,053	-1,389
Operating Cash Flow Growth	-	461.38%	-	-	-	-
Capital Expenditures	-49.59	-27.49	-28.58	-82.28	-49.2	-52.9
Sale of Property, Plant & Equipment	3.86	3.94	6.62	5.32	1.91	8.14
Investment in Securities	-240.54	-387.55	-499.41	-245.06	-173.32	95.3
Other Investing Activities	-	0	-	0	-	-
Investing Cash Flow	-286.27	-411.1	-521.37	-322.01	-220.61	50.54
Long-Term Debt Issued	-	3,175	4,228	2,832	2,732	1,771
Total Debt Issued	2,194	3,175	4,228	2,832	2,732	1,771
Long-Term Debt Repaid	-	-3,741	-2,955	-2,049	-1,427	-590.23
Total Debt Repaid	-2,919	-3,741	-2,955	-2,049	-1,427	-590.23
Net Debt Issued (Repaid)	-725.16	-565.41	1,273	783.62	1,305	1,180
Common Dividends Paid	-185.14	-113.07	-95.39	-188	-197.92	-218.34
Financing Cash Flow	-910.3	-678.47	1,178	595.61	1,107	962.14
Net Cash Flow	21.86	-290.76	799.04	-2,060	1,939	-376.3
Free Cash Flow	1,169	771.32	113.72	-2,416	1,003	-1,442
Free Cash Flow Growth	-	578.29%	-	-	-	-
Free Cash Flow Margin	113.09%	72.71%	13.79%	-298.00%	127.00%	-193.16%
Free Cash Flow Per Share	6.25	4.12	0.61	-12.91	5.36	-7.71
Cash Interest Paid	1,632	1,609	1,331	1,174	1,318	1,150
Cash Income Tax Paid	135.02	128.15	84.47	106.23	95.42	102.09

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