FRA:G18 Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-207.05	-63.2	-40.83	68.35
Depreciation & Amortization	6.51	3.49	-	-
Other Amortization	5.41	8.27	12.41	16.56
Gain on Sale of Loans & Receivables	-5.2	-8.4	-10.26	-23.29
Loss (Gain) From Sale of Investments	-	-	-	5.17
Provision for Credit Losses	201.41	104.81	69.27	-20.03
Stock-Based Compensation	6.57	6.98	7.03	7.59
Change in Other Net Operating Assets	-5.96	-0.97	4.77	2.34
Other Operating Activities	3.36	0.09	19.21	1.93
Operating Cash Flow	8.76	52.1	58.9	60.3
Operating Cash Flow Growth	-83.19%	-11.55%	-2.33%	197.71%
Investment in Securities	-0.73	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	450.21	561.43	409.32	143.88
Other Investing Activities	-11.48	-	-0.69	-4.11
Investing Cash Flow	435.24	561.43	408.63	139.77
Long-Term Debt Issued	148.7	559.86	930.18	2,140
Total Debt Issued	148.7	559.86	930.18	2,140
Long-Term Debt Repaid	-627.55	-1,041	-1,456	-2,442
Total Debt Repaid	-627.55	-1,041	-1,456	-2,442
Net Debt Issued (Repaid)	-478.85	-480.94	-526.3	-302.15
Issuance of Preferred Stock	-	-	87.52	110.52
Preferred Share Repurchases	-	-1	-	-
Repurchase of Common Stock	-8.81	-11.26	-17.45	-19
Common Dividends Paid	-24.01	-42.9	-54.28	-66.66
Preferred Dividends Paid	-14.4	-14.45	-11.59	-0.1
Total Dividends Paid	-38.41	-57.35	-65.87	-66.76
Other Financing Activities	-2.67	-3.92	-9.56	-47.59
Financing Cash Flow	-528.74	-554.47	-531.66	-324.97
Net Cash Flow	-84.75	59.05	-64.13	-124.9
Cash Interest Paid	147.04	182.57	123.37	105.96
Cash Income Tax Paid	-0.48	0.96	0.46	0.6

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