Multitude AG Cash Flow Statement

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

Millions EUR. 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	27.77	20.23	16.44	11.77	-3.5	0.48
Depreciation & Amortization	3.18	2.61	2.52	2.65	4.98	3.23
Other Amortization	9.86	9.86	12.5	14.88	12.26	10.13
Asset Writedown & Restructuring Costs	3.82	3.53	4.33	3.85	-	-
Provision for Credit Losses	84.27	96.39	89.25	84.65	72.49	92.89
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-	-	-	-141.43	-67.68
Change in Accounts Payable	-	-	-	-	-12.57	1.29
Change in Other Net Operating Assets	-68.82	-158.11	15.66	-150.05	-11.47	-1.59
Other Operating Activities	16.55	0.62	17.08	-2.08	5.53	101.61
Operating Cash Flow	76.64	-24.86	157.78	-34.35	-73.72	140.36
Operating Cash Flow Growth	-21.02%	-	-	-	-	522.88%
Capital Expenditures	-0.57	-0.49	-0.26	-0.47	-11.54	-12.5
Cash Acquisitions	-	-0.53	-	-	-	-
Divestitures	-2.36	-	-	-	-1.39	-
Sale (Purchase) of Intangibles	-12.55	-12.23	-10.57	-10.43	-	-
Investment in Securities	-27.55	-8.21	-1.02	-	-0.75	-1.2
Other Investing Activities	3.96	-	-	0	-	-
Investing Cash Flow	-39.07	-21.47	-11.84	-10.9	-13.68	-13.7
Long-Term Debt Issued	-	73.51	-	87.07	-	6.5
Total Debt Issued	25.13	73.51	-	87.07	-	6.5
Short-Term Debt Repaid	-	-	-	-	-15.86	-47.51
Long-Term Debt Repaid	-	-50.22	-2.22	-184.09	-23.74	-2.3
Total Debt Repaid	-4.35	-50.22	-2.22	-184.09	-39.6	-49.81
Net Debt Issued (Repaid)	20.78	23.29	-2.22	-97.02	-39.6	-43.31
Issuance of Common Stock	-	-	-	-	50	-
Repurchase of Common Stock	-1.27	-0.93	-4.56	-	-	-
Common Dividends Paid	-14.95	-10.21	-8.62	-3.67	-3.34	-
Other Financing Activities	-	-	-	-	145.44	-
Financing Cash Flow	4.56	12.15	-15.4	-100.69	152.5	-43.31
Foreign Exchange Rate Adjustments	0.16	-0.08	-0.15	-2.33	-0.07	-2.3
Net Cash Flow	42.29	-34.25	130.39	-148.27	65.03	81.05
Free Cash Flow	76.07	-25.35	157.52	-34.82	-85.26	127.86
Free Cash Flow Growth	-21.21%	-	-	-	-	1297.51%
Free Cash Flow Margin	54.56%	-20.06%	132.33%	-30.59%	-74.50%	104.77%
Free Cash Flow Per Share	3.38	-1.15	7.24	-1.61	-3.95	5.92
Cash Interest Paid	31.88	36.39	14.04	11.25	16.82	14.47
Cash Income Tax Paid	-	1.77	1.91	3.64	2.43	3.67

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