International Personal Finance plc (LON:IPF)

LON:IPF Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	60.9	48	56.8	41.9	-64.2
Depreciation & Amortization	16.9	16.2	14.7	14	17.1
Other Amortization	12.4	13.1	12.6	14.7	17.8
Loss (Gain) From Sale of Assets	-	0.1	-0.1	0.4	0.2
Asset Writedown & Restructuring Costs	-	0.2	-	-	8.6
Stock-Based Compensation	1.7	2.7	2.2	-0.2	1.1
Other Operating Activities	-5.1	6.9	30.2	-18.1	25.8
Change in Accounts Receivable	-58.8	-3.8	-115.7	-88.4	294.9
Change in Accounts Payable	7.6	4.8	-3.8	26.7	-31.2
Change in Other Net Operating Assets	-10.8	-2.4	2.2	-15.8	13.5
Operating Cash Flow	24.8	85.8	-0.9	-24.8	283.6
Operating Cash Flow Growth	-71.10%	-	-	-	341.75%
Capital Expenditures	-6.4	-4.7	-9.1	-5.1	-3.8
Sale of Property, Plant & Equipment	0.1	-	0.3	0.2	0.4
Sale (Purchase) of Intangibles	-17.8	-17.9	-14.7	-10.3	-11.7
Investing Cash Flow	-24.1	-22.6	-23.5	-15.2	-15.1
Long-Term Debt Issued	313.2	48.1	99.3	49.4	311.3
Long-Term Debt Repaid	-285.7	-99.3	-52.8	-72.8	-500.9
Net Debt Issued (Repaid)	27.5	-51.2	46.5	-23.4	-189.6
Issuance of Common Stock	0.2	0.4	-	-	-
Repurchase of Common Stock	-16.4	-0.4	-0.4	-3.9	-
Common Dividends Paid	-23.9	-21.5	-18.9	-4.9	-
Financing Cash Flow	-12.6	-72.7	27.2	-32.2	-189.6
Foreign Exchange Rate Adjustments	-3	1.3	6.2	-2.4	-
Net Cash Flow	-14.9	-8.2	9	-74.6	78.9
Free Cash Flow	18.4	81.1	-10	-29.9	279.8
Free Cash Flow Growth	-77.31%	-	-	-	418.15%
Free Cash Flow Margin	2.53%	10.56%	-1.55%	-5.45%	42.31%
Free Cash Flow Per Share	0.08	0.34	-0.04	-0.13	1.26
Cash Interest Paid	72.3	74.5	65.2	52.7	54.7
Cash Income Tax Paid	18.3	33.1	-5.5	46.4	1.4
Levered Free Cash Flow	96.75	23.74	-26.13	22.61	160.74
Unlevered Free Cash Flow	140.75	71.8	16.44	56.36	196.18
Change in Net Working Capital	-36.7	38.1	80.2	32.8	-159.3

Updated Mar 20, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.