nib holdings limited Cash Flow Statement

Financials in millions AUD. Fiscal year is July - June.

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Income	199.8	185.6	114.4	135.7	161.1
Depreciation & Amortization	24.7	18.5	13.1	14	16.7
Other Amortization	28.3	26.3	20	17.7	15.3
Gain (Loss) on Sale of Assets	0.5	0.3	9.6	1.4	0.9
Gain (Loss) on Sale of Investments	-61.3	-45.2	2	55.7	-43
Stock-Based Compensation	1.5	2.1	2.3	1.6	1.7
Change in Accounts Receivable	-6.4	3.5	-6	-5.6	-11.3
Change in Accounts Payable	7	-2.5	29.2	27.7	-9
Change in Unearned Revenue	-	-	-	21.7	-8.8
Change in Income Taxes	-2.5	13.3	-37.8	31.7	-21.2
Change in Deferred Taxes	8.4	3	-0.3	-50	28.1
Change in Insurance Reserves / Liabilities	-2.4	30.2	150.5	-7	-2.3
Change in Other Net Operating Assets	0.8	-0.8	-29.8	80.9	-28.4
Other Operating Activities	-0.5	-1.5	-4.5	2.1	3.1
Operating Cash Flow	165.7	219.8	246.7	337.6	108.7
Operating Cash Flow Growth	-24.61%	-10.90%	-26.92%	210.58%	-47.64%
Capital Expenditures	-53.6	-2.5	-8.1	-1.8	-1.1
Sale of Property, Plant & Equipment	-	-	-	0.1	0.1
Purchase / Sale of Intangible Assets	-	-46.1	-44.2	-24.8	-22.5
Cash Acquisitions	-40.7	-46.3	-120.9	-39.4	-
Investment in Securities	20.1	34.1	-63.3	-193.4	-
Investing Cash Flow	-74.2	-60.8	-236.5	-259.3	-23.5
Long-Term Debt Issued	185.7	20	15	30	-
Total Debt Issued	185.7	20	15	30	-
Total Debt Repaid	-182.6	-7.3	-36.8	-8.2	-9
Net Debt Issued (Repaid)	3.1	12.7	-21.8	21.8	-9
Issuance of Common Stock	-	-	167.9	9	4.7
Repurchases of Common Stock	-7	-5.5	-3.8	-0.9	-1.1
Common Dividends Paid	-119.2	-132.4	-113.2	-114.3	-63.9
Other Financing Activities	-5.1	-	-3.1	-	-
Financing Cash Flow	-128.2	-125.2	26	-84.4	-69.3
Foreign Exchange Rate Adjustments	1.1	-0.4	0.9	-1.4	0.4
Net Cash Flow	-35.6	33.4	37.1	-7.5	16.3
Free Cash Flow	112.1	217.3	238.6	335.8	107.6
Free Cash Flow Growth	-48.41%	-8.93%	-28.95%	212.08%	-47.59%
Free Cash Flow Margin	3.09%	6.50%	7.58%	12.31%	4.09%
Free Cash Flow Per Share	0.23	0.45	0.50	0.73	0.23
Cash Interest Paid	14.5	13.9	12.1	4.4	3.2
Cash Income Tax Paid	60.6	69	95.4	74.9	63.6
Levered Free Cash Flow	7.8	171.28	-170	155.94	54.54
Unlevered Free Cash Flow	8.59	172.6	-168.56	157.57	56.79
Change in Working Capital	-27.4	29.3	77.6	102.1	-61.8

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