National Finance Company SAOG (MSM:NFCI)

MSM:NFCI Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	14.37	12.11	11.11	10.13	8.62	8.02
Depreciation & Amortization	1.11	1.1	0.83	0.83	0.89	0.77
Other Amortization	0.11	0.11	0.09	0.07	0.07	0.08
Asset Writedown & Restructuring Costs	-	-	-	-	-	-0
Provision for Credit Losses	7.84	4.65	2.06	4.07	3.64	6.11
Change in Accounts Payable	6.23	3.31	1.74	4.57	2.65	9.36
Change in Other Net Operating Assets	-15.89	-45.79	6.98	-14.15	-12.58	17.27
Other Operating Activities	2.18	-0.46	0.81	2.68	1.95	-0.18
Operating Cash Flow	15.95	-24.98	23.62	6.41	5.23	41.44
Operating Cash Flow Growth	-	-	268.74%	22.44%	-87.38%	-
Capital Expenditures	-1.02	-1.05	-0.55	-0.36	-0.26	-5.82
Sale of Property, Plant & Equipment	-	0.01	0	0.1	0	0
Sale (Purchase) of Intangibles	-0.14	-0.1	-0.13	-0.06	-0.1	-0.07
Investing Cash Flow	-1.16	-1.14	-0.68	-0.32	-0.36	-5.89
Short-Term Debt Issued	-	-	-	-	-	189.31
Long-Term Debt Issued	-	35	-	-	-	161.26
Total Debt Issued	-	35	-	-	-	350.56
Short-Term Debt Repaid	-	-	-	-	-	-214.05
Long-Term Debt Repaid	-	-	-18.2	-	-	-174.02
Total Debt Repaid	-	-	-18.2	-	-	-388.07
Net Debt Issued (Repaid)	-	35	-18.2	-	-	-37.51
Common Dividends Paid	-7.23	-5.51	-4.33	-4.33	-3.25	-6
Other Financing Activities	-2.71	-1.36	-0.72	-1.46	-1.46	5.96
Financing Cash Flow	-9.94	28.13	-23.25	-5.79	-4.7	-37.55
Net Cash Flow	4.85	2.02	-0.32	0.3	0.17	-2
Free Cash Flow	14.93	-26.02	23.07	6.05	4.97	35.62
Free Cash Flow Growth	-	-	281.35%	21.64%	-86.04%	-
Free Cash Flow Margin	44.75%	-88.06%	87.70%	25.15%	24.36%	178.56%
Free Cash Flow Per Share	0.03	-0.04	0.04	0.01	0.01	0.06
Cash Interest Paid	32.98	30.85	23.57	19.14	18.48	19.09
Cash Income Tax Paid	1.73	2.25	1.42	2.74	1.01	1.47

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