FRA:1AC Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	311.42	144.66	475.51	1,003
Depreciation & Amortization	21.49	26.56	26.29	22.73
Other Amortization	76.98	64.89	43.15	44.53
Gain on Sale of Loans & Receivables	-817.37	-545.94	-791.63	-2,464
Loss (Gain) From Sale of Investments	0.18	-0.19	0.37	-0.2
Asset Writedown & Restructuring Costs	0.15	0.05	-	0.73
Stock-Based Compensation	20.87	27.58	42.55	37.79
Net Decrease (Increase) in Loans Originated / Sold - Operating	-5,274	-2,190	5,677	3,102
Change in Accounts Payable	-78.65	121.68	-109.49	34.67
Change in Income Taxes	88.12	40.14	317.48	62.56
Change in Other Net Operating Assets	-219	-150.58	97.67	-119.86
Other Operating Activities	1,336	878.95	254.68	838.88
Operating Cash Flow	-4,533	-1,582	6,033	2,563
Operating Cash Flow Growth	-	-	135.39%	-
Capital Expenditures	-1.72	-1.39	-7.16	-7.9
Sale of Property, Plant & Equipment	-	1	-	-
Sale (Purchase) of Intangibles	-20.38	-34.78	-75.93	-48.98
Investment in Securities	-1,047	99.99	-5.32	8.34
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	-	80.86
Other Investing Activities	-818.92	-338.11	-633.17	-336.7
Investing Cash Flow	-1,888	-273.29	-721.58	-304.37
Short-Term Debt Issued	132,155	107,587	94,389	159,964
Long-Term Debt Issued	1,700	1,755	650	1,150
Total Debt Issued	133,855	109,342	95,039	161,114
Short-Term Debt Repaid	-127,181	-106,663	-98,874	-162,373
Long-Term Debt Repaid	-875	-1,075	-3.49	-143
Total Debt Repaid	-128,056	-107,738	-98,877	-162,516
Net Debt Issued (Repaid)	5,799	1,603	-3,838	-1,401
Issuance of Common Stock	20.06	17.22	2.95	7.54
Repurchase of Common Stock	-9.4	-80.63	-413.87	-967.19
Common Dividends Paid	-52.16	-41.45	-54.62	-52.9
Other Financing Activities	-35.92	-33.02	-19.61	-37.57
Financing Cash Flow	5,721	1,465	-4,323	-2,451
Net Cash Flow	-699.89	-390.17	988.45	-192.69
Free Cash Flow	-4,535	-1,584	6,026	2,555
Free Cash Flow Growth	-	-	135.84%	-
Free Cash Flow Margin	-223.84%	-78.96%	370.04%	71.33%
Free Cash Flow Per Share	-85.00	-30.03	107.70	37.87
Cash Interest Paid	797.21	639.49	329.98	389.53
Cash Income Tax Paid	1.49	-1.17	-127.74	293.13

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