Qliro AB Cash Flow Statement

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

Millions SEK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-92.7	-21.9	4.1	-93.5	-39.9
Depreciation & Amortization	83.2	15.8	8.2	16.3	19.5
Other Amortization	-	62.7	64.9	89.1	76.5
Total Asset Writedown	-	-	-	0.2	-
Provision for Credit Losses	-	134.4	121.7	116.1	81.9
Change in Other Net Operating Assets	-428.7	465.5	-500.9	-296.2	-195.9
Other Operating Activities	85.1	-1.1	-35.2	4.5	-40.8
Net Cash from Discontinued Operations	-	5.6	25.2	-	-
Operating Cash Flow	-353.1	662.2	-312	-163.5	-98.7
Capital Expenditures	-1.6	-1.6	-1.8	-2.8	-7.5
Purchase / Sale of Intangibles	-122.1	-130.1	-94.9	-88.9	-82.8
Other Investing Activities	-	-	-	0.1	0.1
Investing Cash Flow	-123.7	-131.7	-96.7	-91.6	-90.2
Long-Term Debt Issued	70	-	-	-	-
Total Debt Issued	70	-	-	-	-
Long-Term Debt Repaid	-5.8	-105.7	-5.6	-8.2	-8.2
Net Debt Issued (Repaid)	64.2	-105.7	-5.6	-8.2	-8.2
Issuance of Common Stock	107.5	47.7	-	19.8	-
Common Dividends Paid	-8.6	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	-	-224.3	-384	1,087	99.8
Other Financing Activities	-3.8	53.1	2.5	-	-
Financing Cash Flow	159.3	-229.2	-387.1	1,098	91.6
Foreign Exchange Rate Adjustments	-27.9	0.6	-3.8	-	-0.3
Net Cash Flow	-345.4	302	-799.6	843.1	-97.6
Free Cash Flow	-354.7	660.6	-313.8	-166.3	-106.2
Free Cash Flow Margin	-116.33%	226.70%	-111.24%	-56.43%	-33.50%
Free Cash Flow Per Share	-14.43	34.01	-16.84	-8.71	-5.91
Cash Interest Paid	-	121.5	86.3	47.3	41.2

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