Nord Insuretech Group AB Cash Flow Statement

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

Millions SEK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	-31.81	-38.04	-56.42	-14.49	-21.27	-160.95
Depreciation & Amortization	0.93	4.37	6.1	3.05	4.97	0.98
Other Amortization	12.47	12.47	22.25	3.18	5.8	0.98
Asset Writedown & Restructuring Costs	-	-	-	-	0.08	-
Other Operating Activities	1.63	1.89	2.24	1.24	0.02	132.15
Change in Accounts Receivable	28.65	32.61	-46.26	2.28	-1.21	16.71
Change in Accounts Payable	-62.31	-35.98	79.59	7.53	2.44	-52.04
Operating Cash Flow	-50.44	-22.68	7.49	2.79	-9.17	-62.19
Operating Cash Flow Growth	-	-	168.54%	-	-	-
Capital Expenditures	0.67	-	-0.9	-0.13	-	-
Sale of Property, Plant & Equipment	0.13	0.13	-	-	-	-
Cash Acquisitions	-	-	-	-	-	0.78
Sale (Purchase) of Intangibles	30.06	-4.01	-21.98	-7.09	-	-1.86
Other Investing Activities	0.08	0.05	-	-	-	-
Investing Cash Flow	30.94	-3.83	-22.88	-7.22	-	-1.08
Short-Term Debt Issued	-	-	-	-	8.09	-
Long-Term Debt Issued	-	21.48	24.09	-	-	-
Total Debt Issued	25.34	21.48	24.09	-	8.09	-
Long-Term Debt Repaid	-	-1.02	-	-2.85	-4.55	-
Net Debt Issued (Repaid)	24.45	20.46	24.09	-2.85	3.53	-
Issuance of Common Stock	-	-	-	-	10.14	53.71
Other Financing Activities	-	-	-	-	-0	-
Financing Cash Flow	24.45	20.46	24.09	-2.85	13.67	53.71
Foreign Exchange Rate Adjustments	0.01	0.01	-	-0.04	-0.04	-
Miscellaneous Cash Flow Adjustments	-	-	-	-	0	0
Net Cash Flow	4.97	-6.05	8.7	-7.31	4.46	-9.56
Free Cash Flow	-49.77	-22.68	6.59	2.66	-9.17	-62.19
Free Cash Flow Growth	-	-	147.88%	-	-	-
Free Cash Flow Margin	-1456.09%	-696.65%	83.09%	19.32%	-114.04%	-29060.75%
Free Cash Flow Per Share	-0.17	-0.09	0.04	0.02	-0.07	-0.67
Cash Income Tax Paid	-	-	-2.2	-	-	-
Levered Free Cash Flow	66.83	31.49	-65.84	-10.15	-7.86	-95.41
Unlevered Free Cash Flow	67.76	32.88	-64.2	-10.12	-6.85	-94.31
Change in Working Capital	-33.66	-3.37	33.32	9.8	1.23	-35.34

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