Vanquis Banking 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	8.2	-119.3	-11.7	77.4	-32.1
Depreciation & Amortization	7.7	13.7	17	19.6	19
Other Amortization	9.2	10.7	10.6	8.5	7.1
Loss (Gain) From Sale of Investments	-0.1	-1.2	-1.1	-1.6	-5.3
Asset Writedown & Restructuring Costs	-	83.2	4.1	-	-2.3
Stock-Based Compensation	2.2	2.7	4.6	5.1	3
Change in Accounts Payable	5.7	0.6	-22	-31.2	30.7
Change in Other Net Operating Assets	65.5	465.2	555.2	-249.1	134.8
Other Operating Activities	-7.1	-3.6	26.2	-37.1	-29.8
Operating Cash Flow	93	452.7	584.7	-204.9	163.1
Operating Cash Flow Growth	-79.46%	-22.58%	-	-	-55.18%
Capital Expenditures	-3.3	-2.2	-3.3	-3.6	-1.3
Sale of Property, Plant & Equipment	-	-	-	-	3.8
Cash Acquisitions	-	-	-2.9	-	-
Sale (Purchase) of Intangibles	-15.2	-12.5	-19	-29.2	-24.8
Investment in Securities	-251.8	4.3	6.4	-	-
Investing Cash Flow	-270.3	-10.4	-18.8	-32.8	-22.3
Long-Term Debt Issued	-	5	-	330	746
Long-Term Debt Repaid	-73.7	-183.7	-249.7	-299.2	-1,091
Net Debt Issued (Repaid)	-73.7	-178.7	-249.7	30.8	-345.1
Issuance of Common Stock	58.6	-	0.1	0.2	0.1
Repurchase of Common Stock	-6.3	-0.1	-	-0.7	-
Common Dividends Paid	-0.5	-2.5	-38.4	-42.8	-
Financing Cash Flow	-21.9	-181.3	-288	-12.5	-345
Net Cash Flow	-199.2	261	277.9	-250.2	-204.2
Free Cash Flow	89.7	450.5	581.4	-208.5	161.8
Free Cash Flow Growth	-80.09%	-22.52%	-	-	-54.80%
Free Cash Flow Margin	32.46%	171.29%	178.89%	-49.95%	37.52%
Free Cash Flow Per Share	0.34	1.76	2.30	-0.82	0.64
Cash Interest Paid	94.6	103	76.1	48.8	71.3
Cash Income Tax Paid	-4	-8.2	6	13.4	6.1