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	8.7	-119.3	-6	77.4	-32.1
Depreciation & Amortization	16.9	24.4	27.6	28.1	33.5
Stock-Based Compensation	2.2	2.7	4.6	5.1	3.8
Other Adjustments	-6	79.1	32.9	-35.2	-7.6
Change in Receivables	-526	-12.5	-267.6	-249.1	134.8
Changes in Accounts Payable	5.7	0.6	-22	-31.2	30.7
Changes in Other Operating Activities	591.5	477.7	-	-	-
Operating Cash Flow	93	452.7	-230.5	-204.9	163.1
Operating Cash Flow Growth	-79.46%	-	-	-	-55.18%
Capital Expenditures	-3.3	-2.2	-3.3	-3.6	-1.3
Sale of Property, Plant & Equipment	-	-	-	-	3.8
Purchases of Intangible Assets	-15.2	-12.5	-19	-29.2	-24.8
Purchases of Investments	-291.8	-	-	-	-
Proceeds from Sale of Investments	40	4.3	6.4	-	-
Cash Acquisitions	-	-	-2.9	-	-
Investing Cash Flow	-270.3	-10.4	-18.8	-32.8	-22.3
Long-Term Debt Issued	-	5	1,100	330	746
Long-Term Debt Repaid	-63.7	-174	-523.3	-288.4	-1,082
Net Long-Term Debt Issued (Repaid)	-63.7	-169	576.7	41.6	-335.5
Issuance of Common Stock	-	-	0.1	0.2	0.1
Repurchase of Common Stock	-6.3	-0.1	-	-0.7	-
Net Common Stock Issued (Repurchased)	-6.3	-0.1	0.1	-0.5	0.1
Issuance of Preferred Stock	58.6	-	-	-	-
Repurchase of Preferred Stock	-0.5	-	-	-	-
Net Preferred Stock Issued (Repurchased)	58.1	-	-	-	-
Common Dividends Paid	-	-2.5	-38.4	-42.8	-
Other Financing Activities	-10	-9.7	-11.2	-10.8	-9.6
Financing Cash Flow	-21.9	-181.3	527.2	-12.5	-345
Net Cash Flow	-199.2	261	277.9	-250.2	-204.2
Free Cash Flow	89.7	450.5	-233.8	-208.5	161.8
Free Cash Flow Growth	-80.09%	-	-	-	-54.80%
FCF Margin	19.72%	100.92%	-47.83%	-43.37%	33.80%
Free Cash Flow Per Share	0.34	1.76	-0.92	-0.82	0.65
Levered Free Cash Flow	555.8	212.2	573	112.3	-304.7
Unlevered Free Cash Flow	618.8	379.9	-3.7	75.6	197.5