Contact Financial Holding S.A.E. (EGX:CNFN)

EGX:CNFN Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	345.1	657.67	692.21	510.71	464.82
Depreciation & Amortization	171.26	132.58	118.78	96.8	63.79
Other Amortization	-	0.13	0.08	-	-
Provision for Credit Losses	-626.16	-726.7	-790.65	-659.76	-475.46
Loss (Gain) on Equity Investments	-4.67	39.6	-3.56	-2.37	-22.22
Stock-Based Compensation	11.87	13.37	14.1	29.76	23.89
Change in Accounts Payable	72.94	256.88	155.74	69.24	175.33
Change in Other Net Operating Assets	362.94	-144.1	-1,778	-1,907	-543.9
Other Operating Activities	182.09	157.75	196.62	134.31	55.29
Operating Cash Flow	486.48	386.74	-1,397	-1,719	-281.93
Operating Cash Flow Growth	25.79%	-	-	-	-
Capital Expenditures	-344.68	-222.14	-143.6	-88.85	-95.23
Sale of Property, Plant & Equipment	53.88	1.16	37.36	3.33	0.56
Divestitures	-	37.74	-	-	9.9
Sale (Purchase) of Intangibles	-10.48	-8.69	-12.88	-	-
Investment in Securities	-441.66	-334.25	-77.18	551.46	-474.16
Other Investing Activities	9.76	-	-	18.03	26.29
Investing Cash Flow	-733.18	-526.19	-196.3	483.97	-532.65
Long-Term Debt Issued	18,007	40,688	38,753	6,116	2,071
Long-Term Debt Repaid	-17,573	-40,057	-36,613	-3,778	-1,067
Net Debt Issued (Repaid)	433.6	631.62	2,139	2,338	1,004
Common Dividends Paid	-73.2	-57.52	-335.11	-376.07	-191.35
Other Financing Activities	-	-	-	-	-4.25
Financing Cash Flow	360.39	574.09	1,804	1,962	808.75
Net Cash Flow	113.69	434.65	211.18	726.79	-5.84
Free Cash Flow	141.79	164.6	-1,540	-1,808	-377.17
Free Cash Flow Growth	-13.85%	-	-	-	-
Free Cash Flow Margin	2.62%	4.00%	-47.70%	-74.64%	-22.02%
Free Cash Flow Per Share	0.12	0.14	-1.30	-1.53	-0.32
Cash Interest Paid	-	1,452	856.5	372.11	144.14
Cash Income Tax Paid	-	253.24	182.96	144.43	165.16

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.