FRA:G18 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	-56.18	-207.05	-63.2	-40.83	68.35	-40.44
Depreciation & Amortization	7.77	6.51	3.49	-	-	-
Other Amortization	4.26	5.41	8.27	12.41	16.56	6.43
Gain on Sale of Loans & Receivables	-5.47	-5.2	-8.4	-10.26	-23.29	1
Loss (Gain) From Sale of Investments	-	-	-	-	5.17	-
Provision for Credit Losses	50.3	201.41	104.81	69.27	-20.03	53.71
Stock-Based Compensation	5.93	6.57	6.98	7.03	7.59	5.28
Change in Other Net Operating Assets	-6.92	-5.96	-0.97	4.77	2.34	-4.65
Other Operating Activities	-	3.36	0.09	19.21	1.93	-
Operating Cash Flow	-0.43	8.76	52.1	58.9	60.3	20.26
Operating Cash Flow Growth	-	-83.19%	-11.55%	-2.33%	197.71%	-67.26%
Investment in Securities	-3.61	-0.73	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	405.65	450.21	561.43	409.32	143.88	310.74
Other Investing Activities	-11.44	-11.48	-	-0.69	-4.11	30.87
Investing Cash Flow	402.07	435.24	561.43	408.63	139.77	341.62
Long-Term Debt Issued	-	148.7	559.86	930.18	2,140	441.99
Total Debt Issued	82.73	148.7	559.86	930.18	2,140	441.99
Long-Term Debt Repaid	-	-627.55	-1,041	-1,456	-2,442	-810.44
Total Debt Repaid	-495.99	-627.55	-1,041	-1,456	-2,442	-810.44
Net Debt Issued (Repaid)	-413.27	-478.85	-480.94	-526.3	-302.15	-368.45
Issuance of Preferred Stock	-	-	-	87.52	110.52	-
Preferred Share Repurchases	-	-	-1	-	-	-
Repurchase of Common Stock	-10.79	-8.81	-11.26	-17.45	-19	-
Common Dividends Paid	-10.5	-24.01	-42.9	-54.28	-66.66	-34.08
Preferred Dividends Paid	-14.4	-14.4	-14.45	-11.59	-0.1	-0.1
Total Dividends Paid	-24.9	-38.41	-57.35	-65.87	-66.76	-34.18
Other Financing Activities	-3.49	-2.67	-3.92	-9.56	-47.59	210.19
Financing Cash Flow	-452.45	-528.74	-554.47	-531.66	-324.97	-192.44
Net Cash Flow	-50.8	-84.75	59.05	-64.13	-124.9	169.43
Cash Interest Paid	100.4	147.04	182.57	123.37	105.96	115.01
Cash Income Tax Paid	-	-0.48	0.96	0.46	0.6	-

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