FRA:FC8 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	19.49	19.2	45.34	85.98	47.52	21.68
Depreciation & Amortization	0.92	0.86	0.85	1.62	1.68	1.78
Other Amortization	12.15	10.57	9.69	8.21	7.11	8.1
Provision for Credit Losses	-14.7	-26.31	-34.3	-43.38	-10.17	43.64
Stock-Based Compensation	2.45	2.96	3.46	4.43	2	1.94
Change in Accounts Payable	-3.73	9.46	8.29	10.36	7.49	-4.12
Change in Other Net Operating Assets	9.78	-10.03	4.67	4.17	-1.04	2.71
Other Operating Activities	253.33	224.3	193.54	135.15	134.67	134.91
Operating Cash Flow	281.25	233.76	237.98	215.93	198.19	238.77
Operating Cash Flow Growth	26.79%	-1.77%	10.21%	8.95%	-16.99%	10.14%
Capital Expenditures	-0.72	-0.43	-0.56	-2.15	-1.98	-0.02
Net Decrease (Increase) in Loans Originated / Sold - Investing	-724.45	-769.41	-359.42	-713.65	-114.71	89.31
Other Investing Activities	0.04	0.13	0.45	1.9	1.33	3.75
Investing Cash Flow	-725.13	-769.71	-359.53	-713.9	-115.36	93.03
Long-Term Debt Issued	-	1,696	1,236	1,597	1,147	721.29
Long-Term Debt Repaid	-	-1,126	-1,140	-1,070	-1,170	-1,044
Net Debt Issued (Repaid)	328.73	569.71	95.77	527.33	-23	-322.35
Issuance of Common Stock	4.8	6.91	16.58	15.28	6.05	0.95
Repurchase of Common Stock	-6.12	-12.83	-20.27	-46.1	-25.68	-1.22
Other Financing Activities	-10.68	-15.87	-7.89	-12.3	-7.81	-5.86
Financing Cash Flow	316.73	547.92	84.19	484.21	-50.44	-328.48
Net Cash Flow	-127.16	11.97	-37.36	-13.76	32.4	3.32
Free Cash Flow	280.53	233.32	237.42	213.78	196.22	238.74
Free Cash Flow Growth	26.83%	-1.73%	11.06%	8.95%	-17.81%	10.51%
Free Cash Flow Margin	142.74%	125.80%	110.63%	84.08%	93.00%	129.49%
Free Cash Flow Per Share	11.59	9.59	9.41	8.04	7.61	9.95
Cash Interest Paid	211.11	177.95	135.2	76.7	69.48	93.57
Cash Income Tax Paid	8.98	11.8	3.55	16.18	14.25	-24

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