International Personal Finance plc (LON:IPF)

LON:IPF Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	54.2	60.9	48	56.8	41.9
Depreciation & Amortization	16	16.9	16.2	14.7	14
Other Amortization	12.8	12.4	13.1	12.6	14.7
Loss (Gain) From Sale of Assets	-	-	0.1	-0.1	0.4
Asset Writedown & Restructuring Costs	-	-	0.2	-	-
Stock-Based Compensation	2.1	1.7	2.7	2.2	-0.2
Other Operating Activities	29.5	-5.1	6.9	30.2	-18.1
Change in Accounts Receivable	-127.3	-58.8	-3.8	-115.7	-88.4
Change in Accounts Payable	-0.7	7.6	4.8	-3.8	26.7
Change in Other Net Operating Assets	8.9	-10.8	-2.4	2.2	-15.8
Operating Cash Flow	-4.5	24.8	85.8	-0.9	-24.8
Operating Cash Flow Growth	-	-71.10%	-	-	-
Capital Expenditures	-7.4	-6.4	-4.7	-9.1	-5.1
Sale of Property, Plant & Equipment	-	0.1	-	0.3	0.2
Sale (Purchase) of Intangibles	-27.8	-17.8	-17.9	-14.7	-10.3
Investing Cash Flow	-35.2	-24.1	-22.6	-23.5	-15.2
Long-Term Debt Issued	140	313.2	48.1	99.3	49.4
Long-Term Debt Repaid	-74	-285.7	-99.3	-52.8	-72.8
Net Debt Issued (Repaid)	66	27.5	-51.2	46.5	-23.4
Issuance of Common Stock	0.5	0.2	0.4	-	-
Repurchase of Common Stock	-	-16.4	-0.4	-0.4	-3.9
Common Dividends Paid	-25.8	-23.9	-21.5	-18.9	-4.9
Financing Cash Flow	40.7	-12.6	-72.7	27.2	-32.2
Foreign Exchange Rate Adjustments	1.8	-3	1.3	6.2	-2.4
Net Cash Flow	2.8	-14.9	-8.2	9	-74.6
Free Cash Flow	-11.9	18.4	81.1	-10	-29.9
Free Cash Flow Growth	-	-77.31%	-	-	-
Free Cash Flow Margin	-1.61%	2.53%	10.56%	-1.55%	-5.45%
Free Cash Flow Per Share	-0.05	0.08	0.34	-0.04	-0.13
Cash Interest Paid	69.7	72.3	74.5	65.2	52.7
Cash Income Tax Paid	21.8	18.3	33.1	-5.5	46.4
Levered Free Cash Flow	-61.63	96.75	23.74	-26.13	22.61
Unlevered Free Cash Flow	-17.06	140.75	71.8	16.44	56.36
Change in Working Capital	-119.1	-62	-1.4	-117.3	-77.5

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.