NPF Microfinance Bank Plc (NGX:NPFMCRFBK)
Nigeria · Delayed Price · Currency is NGN 4.200
-0.300 (-6.67%)
At close: Nov 4, 2026
NPF Microfinance Bank Cash Flow Statement
Financials in millions NGN. Fiscal year is January - December.
Millions NGN. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 | 3,812 | 2,906 | 1,574 | 1,019 | 882.17 | 707.49 |
Depreciation & Amortization | 788.93 | 616.23 | 466.67 | 380.48 | 266.71 | 254.36 |
Other Amortization | 124.13 | 53.74 | 1.04 | 18.14 | 26.05 | 28.83 |
Gain (Loss) on Sale of Assets | -4.6 | -5.23 | -9.01 | -8.46 | -0.77 | -2.12 |
Gain (Loss) on Sale of Investments | -22.69 | -12.84 | 16.39 | -0.14 | 0.17 | 1.97 |
Provision for Credit Losses | 801.71 | 537.44 | -54.09 | 861.65 | 85.77 | 20.69 |
Change in Other Net Operating Assets | -5,030 | -20,534 | 4,331 | 1,972 | -7,023 | -295.46 |
Other Operating Activities | -534.51 | 58.94 | -698.5 | -290.95 | -85.76 | 342.91 |
Operating Cash Flow | -65.19 | -16,380 | 5,628 | 3,953 | -5,849 | 1,059 |
Operating Cash Flow Growth | - | - | 42.38% | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Capital Expenditures | -1,213 | -706.69 | -668.96 | -547.02 | -456.68 | -256 |
Sale of Property, Plant and Equipment | 29.05 | 20.32 | 9.01 | 8.46 | 0.77 | 2.12 |
Investment in Securities | 358.73 | -49.76 | - | - | - | - |
Purchase / Sale of Intangibles | -281.54 | -281.54 | - | -1.57 | - | -25.8 |
Other Investing Activities | 3.03 | 0.67 | 0.25 | - | -21.82 | - |
Investing Cash Flow | -1,104 | -1,017 | -659.71 | -540.13 | -477.73 | -279.68 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Long-Term Debt Issued | - | 3,000 | - | 1,500 | 1,850 | 6,387 |
Long-Term Debt Repaid | - | -679.52 | -1,561 | -1,422 | -2,071 | -6,761 |
Lease Payments | -211.35 | -100.02 | -61.37 | -74.46 | -49.26 | -100.62 |
Net Debt Issued (Repaid) | 2,709 | 2,320 | -1,561 | 77.53 | -221.43 | -373.97 |
Issuance of Common Stock | 12,655 | 12,655 | 6,035 | - | 4,502 | - |
Repurchase of Common Stock | -11,500 | -11,500 | -7,226 | - | - | - |
Common Dividends Paid | -1,199 | -898.94 | -719.16 | -599.3 | -539.37 | -457.33 |
Net Increase (Decrease) in Deposit Accounts | 17,037 | 816.55 | 15,120 | 8,161 | 2,474 | 1,429 |
Other Financing Activities | -541.69 | -34.87 | -252.5 | - | - | -444.72 |
Financing Cash Flow | 19,160 | 3,358 | 11,395 | 7,639 | 6,216 | 153.16 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 Cash Flow | 17,991 | -14,039 | 16,363 | 11,052 | -110.64 | 932.15 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Free Cash Flow | -1,278 | -17,087 | 4,959 | 3,406 | -6,306 | 802.67 |
Free Cash Flow Growth | - | - | 45.61% | - | - | - |
Free Cash Flow Margin | -6.52% | -99.45% | 42.08% | 40.19% | -101.01% | 15.80% |
Free Cash Flow Per Share | -0.21 | -2.85 | 0.83 | 0.57 | -1.05 | 0.32 |
Free Cash Flow After Leases | -1,490 | -17,187 | 4,897 | 3,331 | -6,355 | 702.05 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Cash Interest Paid | 1,881 | 1,491 | 1,990 | 1,352 | 825.5 | 858.04 |
Cash Income Tax Paid | 1,639 | 849.09 | 667.21 | 391.8 | 319.94 | 247.84 |