Shawbrook Group Cash Flow Statement

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

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	272.2	295.1	286.7	233	197.2
Depreciation & Amortization	26.6	21.8	19.8	20	19.5
Provision for Credit Losses	32.2	32.3	27.4	38	-17.9
Stock-Based Compensation	26.1	0.7	0.7	0.1	0.6
Net Change in Loans Held-for-Sale	-2,073	-1,615	-2,538	-2,249	-1,201
Other Adjustments	165.7	27.9	25.6	3.2	-0.9
Changes in Accounts Payable	2,550	2,241	2,648	2,556	1,465
Changes in Other Operating Activities	68.8	-73.4	45.1	29.9	-382.5
Operating Cash Flow	1,068	930.6	515.9	631.5	79.6
Operating Cash Flow Growth	14.75%	80.38%	-18.31%	693.34%	-84.58%
Net Change in Securities and Investments	-741.7	-714.8	-153.8	-171.3	-162.1
Cash Acquisitions	-12.1	-	-8.8	-	-3.4
Capital Expenditures	-0.6	-2.7	-0.9	-0.5	-0.7
Purchases of Intangible Assets	-18	-15.1	-14.5	-9.4	-7.1
Proceeds from Sale of Intangible Assets	3.2	-	-	-	-
Other Investing Activities	-	-6.9	-	-	-
Investing Cash Flow	-769.2	-739.5	-178	-181.2	-173.3
Net Change in Deposits	54.5	-28.9	-93.7	298	385.2
Long-Term Debt Issued	12	250	290	-	158.6
Long-Term Debt Repaid	-774.3	-475.9	-172.6	-205.6	-46.1
Net Long-Term Debt Issued (Repaid)	-762.3	-225.9	117.4	-205.6	112.5
Issuance of Common Stock	47.5	-	14.3	-	-
Net Common Stock Issued (Repurchased)	47.5	-	14.3	-	-
Other Financing Activities	-16.2	-16.1	-18.1	-11.2	-10.6
Financing Cash Flow	-676.5	-270.9	19.9	81.2	487.1
Net Cash Flow	-377.8	-79.8	357.8	531.5	393.4
Free Cash Flow	1,067	927.9	515	631	78.9
Free Cash Flow Growth	15.02%	80.17%	-18.38%	699.75%	-84.69%
FCF Margin	178.15%	171.01%	97.83%	147.26%	22.24%
Free Cash Flow Per Share	2.10	1.83	1.02	1.25	-