U Consumer Finance S.A.E. Cash Flow Statement

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

Millions EGP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021
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
Net Income	647.27	422.73	236.78	21.87	25.83
Depreciation & Amortization	112.86	89.2	38.45	13.59	8.16
Loss (Gain) From Sale of Investments	-0.74	-0.94	-	-	-
Provision for Credit Losses	215.8	172.8	85.13	6.55	52.05
Stock-Based Compensation	-	-	-	-0.46	0.46
Change in Income Taxes	-80.43	-71.19	-4.57	-	-
Change in Other Net Operating Assets	-6,977	-7,873	-5,566	-2,001	-983.26
Other Operating Activities	-1,981	-947.43	-421.88	-151.17	-34.16
Operating Cash Flow	-8,061	-8,205	-5,633	-2,111	-930.92
Capital Expenditures	-92.85	-178.39	-138.43	-58.97	-11.6
Sale of Property, Plant & Equipment	3.69	0.04	15.96	-	-
Sale (Purchase) of Intangibles	-	-13.79	-9.73	-7.12	-1.25
Investment in Securities	-	-	96.49	-97.3	-2
Other Investing Activities	333.6	228.42	43.43	37.61	4.72
Investing Cash Flow	244.44	36.29	7.72	-125.77	-10.13
Long-Term Debt Issued	-	8,343	5,241	2,258	322.5
Long-Term Debt Repaid	-	-16.81	-32.61	-8.34	-72.68
Net Debt Issued (Repaid)	9,334	8,326	5,208	2,249	249.82
Issuance of Common Stock	11.05	-	56.1	-	157.58
Other Financing Activities	-	-	-	-0	-
Financing Cash Flow	9,306	8,326	5,264	2,249	407.39
Net Cash Flow	1,490	157.37	-361.12	12.61	-533.65
Free Cash Flow	-8,154	-8,383	-5,771	-2,170	-942.52
Free Cash Flow Margin	-676.32%	-1540.49%	-801.09%	-485.70%	-431.44%
Free Cash Flow Per Share	-3.87	-210.01	-154.19	-60.69	-26.93
Cash Income Tax Paid	71.19	71.19	4.57	3.01	-

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