Samsung Card Cash Flow Statement

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

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	645,923	664,593	609,439	622,254	551,057
Depreciation & Amortization	166,424	158,163	154,215	152,867	174,724
Other Amortization	597,010	513,483	486,019	433,294	325,472
Loss (Gain) From Sale of Investments	-33,938	-369,488	-64,478	-134,885	-161,608
Asset Writedown & Restructuring Costs	143	668	674.13	2,362	2,748
Provision for Credit Losses	721,491	690,366	792,137	404,151	358,268
Loss (Gain) on Equity Investments	-791	-2,131	-1,089	-4,453	-14.88
Change in Trading Asset Securities	-3,441,259	-1,876,857	-598,559	-	-
Change in Other Net Operating Assets	316,004	-546,818	407,632	-2,286,384	-3,521,214
Other Operating Activities	-545,916	-69,640	-450,374	-441,969	-321,143
Operating Cash Flow	-1,575,026	-837,748	1,335,755	-1,252,641	-2,591,860
Capital Expenditures	-12,055	-6,220	-12,073	-15,242	-5,194
Sale of Property, Plant & Equipment	196	426	328.8	290.49	319.31
Sale (Purchase) of Intangibles	-23,644	-17,548	-29,419	-43,148	-39,641
Investment in Securities	-68,651	-11,586	1,587	-142.05	-1,508
Other Investing Activities	1,086	3,822	-232.92	126.25	499.58
Investing Cash Flow	-103,068	-31,106	-39,809	-58,115	-45,524
Long-Term Debt Issued	38,916,080	26,998,340	38,183,143	33,419,993	31,571,615
Long-Term Debt Repaid	-36,723,547	-26,560,446	-39,172,379	-31,622,759	-28,647,867
Net Debt Issued (Repaid)	2,192,533	437,894	-989,236	1,797,234	2,923,748
Total Dividends Paid	-298,790	-266,777	-266,777	-245,435	-192,079
Other Financing Activities	84,493	14,332	-19,044	85,521	-26,410
Financing Cash Flow	1,978,236	185,449	-1,275,057	1,637,320	2,705,259
Net Cash Flow	300,142	-683,405	20,890	326,565	67,875
Free Cash Flow	-1,587,081	-843,968	1,323,682	-1,267,882	-2,597,054
Free Cash Flow Margin	-55.85%	-30.35%	-	-	-4629.67%
Free Cash Flow Per Share	-14872.75	-7908.94	12404.40	-11881.49	-24337.34
Cash Interest Paid	530,440	438,216	400,106	510,473	517,101
Cash Income Tax Paid	222,047	184,773	221,036	249,910	146,543

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