Paragon Banking Group PLC (LON:PAG)

Paragon Banking Group Cash Flow Statement

Financials in millions GBP. Fiscal year is October - September.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Net Income	204.9	186	153.9	313.6	164.5	91.3
Depreciation & Amortization	17.2	17.3	17.2	14.4	14	12.6
Other Amortization	0.9	0.9	1.1	1.2	1.2	1.2
Loss (Gain) From Sale of Investments	-7.8	-7.8	-	-	-	-
Provision for Credit Losses	29.5	24.5	18	14	-4.7	48.3
Stock-Based Compensation	8.3	9.2	9.6	9.2	8.9	2.7
Change in Trading Asset Securities	16.8	-80.5	-17	-169.4	523.3	83.6
Change in Other Net Operating Assets	141	2,077	2,031	946.2	618.6	951.6
Other Operating Activities	35	-9.6	-42.3	39.6	-447.8	-162.6
Operating Cash Flow	445.6	2,216	2,172	1,169	878.1	1,029
Operating Cash Flow Growth	-81.90%	2.06%	85.82%	33.09%	-14.64%	158.53%
Capital Expenditures	-1	-0.9	-1.6	-1.3	-1.9	-1.9
Sale of Property, Plant & Equipment	0.3	0.3	0.1	0.6	-	0.1
Sale (Purchase) of Intangibles	-3.8	-4.5	-1.6	-1.7	-2.4	-1
Investment in Securities	-379.5	-419.6	-	-	-	-
Investing Cash Flow	-384	-424.7	-3.1	-2.4	-4.3	-2.8
Long-Term Debt Issued	-	5	-	-	1,185	860
Long-Term Debt Repaid	-	-2,144	-970.5	-447.9	-2,529	-1,145
Net Debt Issued (Repaid)	-783.4	-2,139	-970.5	-447.9	-1,344	-285.4
Issuance of Common Stock	0.7	0.7	3.9	1.4	2.1	0.8
Repurchase of Common Stock	-104.1	-89.5	-120.5	-79.5	-42.2	-5.2
Common Dividends Paid	-81.9	-83.5	-67.9	-68.9	-54.6	-35.9
Other Financing Activities	-0.3	50	50	-0.7	-	-
Financing Cash Flow	-969	-2,261	-1,105	-595.6	-1,439	-325.7
Net Cash Flow	-907.4	-469.1	1,064	570.7	-564.8	700.2
Free Cash Flow	444.6	2,216	2,170	1,167	876.2	1,027
Free Cash Flow Growth	-81.92%	2.09%	85.89%	33.23%	-14.67%	158.77%
Free Cash Flow Margin	89.13%	442.04%	476.84%	273.46%	247.16%	386.89%
Free Cash Flow Per Share	2.10	10.14	9.35	4.69	3.35	4.01
Cash Income Tax Paid	64.6	70.3	75.1	56.5	48.3	46.1

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