FRA:9A1 Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
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	Dec '20 Dec 31, 2020
Net Income	138.17	-119.64	58.13	265.23	223.52	18.38
Depreciation & Amortization	10.15	11.67	8.25	0.7	2.65	-
Other Amortization	17.05	17.42	15.96	12.03	13.74	12.86
Loss (Gain) From Sale of Investments	-23.21	99.6	65.86	-77.34	-49.59	-49.85
Provision for Credit Losses	-0.5	155.78	59.43	-17.62	-34.77	125.6
Loss (Gain) on Equity Investments	-15.67	-	-	-	0.16	-
Stock-Based Compensation	14.2	16.47	17.44	18.25	17.63	16.82
Change in Accounts Payable	-89.37	-75.48	-0.77	12.5	4.46	-1.7
Change in Other Net Operating Assets	63.78	13.7	-0.45	60.78	37.2	-5.5
Other Operating Activities	69.6	80.74	50.02	-6.83	-15.62	-0.18
Operating Cash Flow	184.21	200.26	273.86	267.71	199.38	164.05
Operating Cash Flow Growth	1.68%	-26.88%	2.30%	34.27%	21.54%	-40.00%
Sale of Property, Plant & Equipment	91.89	91.89	-	-	-	-
Cash Acquisitions	-	-	0.57	-	4.15	-
Investment in Securities	21.74	9.02	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-404.07	577.61	239.35	-1,470	-1,496	-208.41
Other Investing Activities	63.56	68.15	-98.86	164.07	92.49	-7.31
Investing Cash Flow	-354.96	577.17	68.42	-1,339	-1,357	-215.72
Long-Term Debt Issued	-	2,161	806.84	3,001	3,077	1,569
Long-Term Debt Repaid	-	-2,593	-916.85	-1,807	-1,661	-1,247
Net Debt Issued (Repaid)	403.49	-431.93	-110	1,194	1,416	321.78
Repurchase of Common Stock	-5.04	-48.29	-6.86	-6.97	-4.28	-127.99
Common Dividends Paid	-140.59	-185.95	-202.02	-200.57	-199.65	-237.75
Preferred Dividends Paid	-12.27	-12.27	-12.27	-12.27	-12.96	-13.54
Total Dividends Paid	-152.86	-198.22	-214.29	-212.85	-212.61	-251.29
Other Financing Activities	-27.15	-10.87	-12.21	-16.49	-24.06	-17.61
Financing Cash Flow	218.45	-689.31	-343.36	957.97	1,175	-75.12
Foreign Exchange Rate Adjustments	3.87	3.26	-0.61	-1.73	-	-
Net Cash Flow	51.57	91.96	3.41	-121.08	17.61	-126.78
Cash Interest Paid	457.01	495.49	443.63	246.37	137.67	129.81
Cash Income Tax Paid	0.13	0.03	0.8	-	-	-

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