Paragon Banking Group Cash Flow Statement

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

Millions GBP. Fiscal year is Oct - Sep.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Net Income	178.1	180.3	186	153.9	313.6	164.5
Depreciation & Amortization	16.5	16	17.3	17.2	14.4	14
Other Amortization	1.8	1.8	0.9	1.1	1.2	1.2
Provision for Credit Losses	48.1	41.9	24.5	18	14	-4.7
Stock-Based Compensation	8.1	8.1	9.2	9.6	9.2	8.9
Change in Trading Asset Securities	49.2	46.6	-80.5	-17	-169.4	523.3
Change in Other Net Operating Assets	-1,104	-701	2,077	2,031	946.2	618.6
Other Operating Activities	2	29.2	-17.4	-42.3	39.6	-447.8
Operating Cash Flow	-800.3	-377.4	2,216	2,172	1,169	878.1
Operating Cash Flow Growth	-	-	2.06%	85.82%	33.09%	-14.64%
Capital Expenditures	-1.1	-1.3	-0.9	-1.6	-1.3	-1.9
Sale of Property, Plant & Equipment	0.1	0.2	0.3	0.1	0.6	-
Sale (Purchase) of Intangibles	-2.3	-2.6	-4.5	-1.6	-1.7	-2.4
Investment in Securities	-704.9	-233.2	-419.6	-	-	-
Investing Cash Flow	-708.2	-236.9	-424.7	-3.1	-2.4	-4.3
Short-Term Debt Issued	-	695	55	50	-	-
Long-Term Debt Issued	-	498.8	-	-	-	1,185
Total Debt Issued	1,324	1,194	55	50	-	1,185
Long-Term Debt Repaid	-	-502.9	-2,144	-970.5	-447.9	-2,529
Net Debt Issued (Repaid)	1,076	690.9	-2,089	-920.5	-447.9	-1,344
Issuance of Common Stock	148.7	0.8	0.7	3.9	1.4	2.1
Repurchase of Common Stock	-123.1	-132.4	-89.5	-120.5	-79.5	-42.2
Common Dividends Paid	-83.7	-81	-83.5	-67.9	-68.9	-54.6
Other Financing Activities	1	-	-	-	-0.7	-
Financing Cash Flow	1,019	478.3	-2,261	-1,105	-595.6	-1,439
Net Cash Flow	-489.3	-136	-469.1	1,064	570.7	-564.8
Free Cash Flow	-801.4	-378.7	2,216	2,170	1,167	876.2
Free Cash Flow Growth	-	-	2.09%	85.89%	33.23%	-14.67%
Free Cash Flow Margin	-157.94%	-74.89%	442.30%	477.16%	273.46%	247.16%
Free Cash Flow Per Share	-3.78	-1.73	10.14	9.35	4.69	3.35
Cash Income Tax Paid	81	69.7	70.3	75.1	56.5	48.3