FRA:8PM Cash Flow Statement

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

Millions USD. 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	127.87	160.98	199.65	-73.29	56.85
Other Amortization	20.17	23.1	15.14	16.56	27.16
Gain on Sale of Loans & Receivables	-52.19	-73.12	-39.86	-25.69	-87.27
Loss (Gain) From Sale of Investments	-244.7	-84.36	-178.45	648.97	-294.28
Stock-Based Compensation	3.87	3.48	5.21	4.31	2.42
Net Decrease (Increase) in Loans Originated / Sold - Operating	-7,608	-2,377	815.46	1,417	-2,705
Change in Accounts Payable	28.78	-216.12	194.06	73.16	-27.32
Change in Income Taxes	-36.39	-26.14	38.23	142.18	-13.97
Change in Other Net Operating Assets	-39.12	-510.82	-99.07	-173.9	-456.11
Other Operating Activities	586.7	397.45	389.81	-245.05	677.62
Operating Cash Flow	-7,213	-2,703	1,340	1,784	-2,820
Operating Cash Flow Growth	-	-	-24.90%	-	-
Cash Acquisitions	-	-	-	-	-28.82
Sale (Purchase) of Intangibles	-	-29.26	-14.63	-	-
Investment in Securities	-87.32	25.14	123.93	-84.27	-40.7
Net Decrease (Increase) in Loans Originated / Sold - Investing	652.65	101.65	94.43	159.65	122.26
Other Investing Activities	-135.66	1,263	-225.46	-1,943	1,040
Investing Cash Flow	429.67	1,360	-21.73	-1,867	1,093
Short-Term Debt Issued	102,106	124,097	122,712	124,761	197,902
Long-Term Debt Issued	7,100	2,483	833.5	1,327	3,058
Total Debt Issued	109,205	126,580	123,545	126,088	200,960
Short-Term Debt Repaid	-100,604	-123,203	-123,703	-124,867	-197,593
Long-Term Debt Repaid	-1,686	-1,763	-766.44	-767.6	-1,588
Total Debt Repaid	-102,289	-124,966	-124,469	-125,634	-199,181
Net Debt Issued (Repaid)	6,916	1,614	-923.77	453.94	1,779
Issuance of Preferred Stock	-	-	-	-	250
Repurchase of Common Stock	-1.13	-1.85	-29.06	-88.51	-57.59
Common Dividends Paid	-139.37	-139.3	-140.62	-173.55	-183.97
Preferred Dividends Paid	-41.82	-41.82	-41.82	-41.82	-30.15
Total Dividends Paid	-181.19	-181.12	-182.44	-215.37	-214.12
Other Financing Activities	-15.94	-31.45	-13.97	-14.17	-29.24
Financing Cash Flow	6,718	1,399	-1,149	135.89	1,728
Net Cash Flow	-65.72	56.61	169.22	52.88	1.28
Cash Interest Paid	850.62	711.69	718.36	368.67	298.86
Cash Income Tax Paid	2.33	7.81	6.52	-5.81	1.77

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