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	2015 - 2019
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	2015 - 2019
Net Income	138.17	-119.64	58.13	265.23	223.52	18.38	Upgrade
Depreciation & Amortization	10.15	11.67	8.25	0.7	2.65	-	Upgrade
Other Amortization	17.05	17.42	15.96	12.03	13.74	12.86	Upgrade
Loss (Gain) From Sale of Investments	-23.21	99.6	65.86	-77.34	-49.59	-49.85	Upgrade
Provision for Credit Losses	-0.5	155.78	59.43	-17.62	-34.77	125.6	Upgrade
Loss (Gain) on Equity Investments	-15.67	-	-	-	0.16	-	Upgrade
Stock-Based Compensation	14.2	16.47	17.44	18.25	17.63	16.82	Upgrade
Change in Accounts Payable	-89.37	-75.48	-0.77	12.5	4.46	-1.7	Upgrade
Change in Other Net Operating Assets	63.78	13.7	-0.45	60.78	37.2	-5.5	Upgrade
Other Operating Activities	69.6	80.74	50.02	-6.83	-15.62	-0.18	Upgrade
Operating Cash Flow	184.21	200.26	273.86	267.71	199.38	164.05	Upgrade
Operating Cash Flow Growth	1.68%	-26.88%	2.30%	34.27%	21.54%	-40.00%	Upgrade
Sale of Property, Plant & Equipment	91.89	91.89	-	-	-	-	Upgrade
Cash Acquisitions	-	-	0.57	-	4.15	-	Upgrade
Investment in Securities	21.74	9.02	-	-	-	-	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Investing	-404.07	577.61	239.35	-1,470	-1,496	-208.41	Upgrade
Other Investing Activities	63.56	68.15	-98.86	164.07	92.49	-7.31	Upgrade
Investing Cash Flow	-354.96	577.17	68.42	-1,339	-1,357	-215.72	Upgrade
Long-Term Debt Issued	-	2,161	806.84	3,001	3,077	1,569	Upgrade
Long-Term Debt Repaid	-	-2,593	-916.85	-1,807	-1,661	-1,247	Upgrade
Net Debt Issued (Repaid)	403.49	-431.93	-110	1,194	1,416	321.78	Upgrade
Repurchase of Common Stock	-5.04	-48.29	-6.86	-6.97	-4.28	-127.99	Upgrade
Common Dividends Paid	-140.59	-185.95	-202.02	-200.57	-199.65	-237.75	Upgrade
Preferred Dividends Paid	-12.27	-12.27	-12.27	-12.27	-12.96	-13.54	Upgrade
Total Dividends Paid	-152.86	-198.22	-214.29	-212.85	-212.61	-251.29	Upgrade
Other Financing Activities	-27.15	-10.87	-12.21	-16.49	-24.06	-17.61	Upgrade
Financing Cash Flow	218.45	-689.31	-343.36	957.97	1,175	-75.12	Upgrade
Foreign Exchange Rate Adjustments	3.87	3.26	-0.61	-1.73	-	-	Upgrade
Net Cash Flow	51.57	91.96	3.41	-121.08	17.61	-126.78	Upgrade
Cash Interest Paid	457.01	495.49	443.63	246.37	137.67	129.81	Upgrade
Cash Income Tax Paid	0.13	0.03	0.8	-	-	-	Upgrade

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