Sterling Financial Holdings Company Plc (NGX:STERLINGNG)
Nigeria · Delayed Price · Currency is NGN 76.35
-0.65 (-0.84%)
At close: Oct 30, 2026
NGX:STERLINGNG 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 | 89,409 | 76,334 | 43,675 | 21,584 | 19,298 | 13,515 |
Depreciation & Amortization | 10,027 | 7,266 | 5,125 | 4,367 | 4,379 | 4,456 |
Other Amortization | 951 | 951 | 500 | 447 | 500 | 689 |
Gain (Loss) on Sale of Assets | -30 | -482 | -8,888 | -522 | -197 | -396 |
Gain (Loss) on Sale of Investments | -718 | -718 | 139 | 1,256 | 158 | 364 |
Total Asset Writedown | -374 | -374 | 3,968 | 1,635 | 1,577 | 2,031 |
Provision for Credit Losses | 33,957 | 33,957 | 6,708 | 9,867 | 7,342 | 7,426 |
Change in Trading Asset Securities | -137,585 | -46,640 | -25,103 | -1,058 | 8,554 | -8,783 |
Change in Other Net Operating Assets | -880,700 | -540,489 | -400,941 | -159,633 | -95,974 | -145,250 |
Other Operating Activities | 176,517 | 131,081 | 84,123 | 22,586 | 11,906 | 21,356 |
Operating Cash Flow | -709,649 | -340,217 | -291,370 | -99,947 | -42,873 | -104,592 |
Operating Cash Flow Growth | - | - | - | - | - | - |
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 | -42,627 | -27,493 | -29,690 | -17,726 | -4,948 | -4,701 |
Sale of Property, Plant and Equipment | -1,452 | 2,676 | 1,892 | 175 | 400 | 495 |
Investment in Securities | -479,831 | -160,537 | -88,466 | -69,606 | -76,279 | -38,913 |
Income (Loss) Equity Investments | -1,103 | -1,103 | -676 | -476 | -416 | - |
Purchase / Sale of Intangibles | -2,598 | -893 | -3,042 | -218 | -278 | -188 |
Other Investing Activities | -152 | -38 | -1,915 | -1,180 | -197 | -250 |
Investing Cash Flow | -528,867 | -184,508 | -112,891 | -87,382 | -80,016 | -42,573 |
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 | - | 119,914 | 25,800 | 61,615 | 35,182 | 39,844 |
Long-Term Debt Repaid | - | -96,663 | -73,353 | -56,899 | -18,362 | -9,761 |
Lease Payments | -643 | -643 | -36 | -8 | - | - |
Net Debt Issued (Repaid) | -28,039 | 23,251 | -47,553 | 4,716 | 16,820 | 30,083 |
Issuance of Common Stock | 104,514 | 36,066 | 73,867 | - | - | - |
Common Dividends Paid | - | -9,381 | - | -4,319 | -2,879 | -1,440 |
Net Increase (Decrease) in Deposit Accounts | 875,053 | 369,571 | 469,273 | 251,247 | 119,592 | 252,197 |
Other Financing Activities | -22,159 | -22,347 | -39,230 | -29,329 | -18,047 | -14,007 |
Financing Cash Flow | 929,369 | 397,160 | 456,357 | 222,315 | 115,486 | 266,833 |
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 |
Foreign Exchange Rate Adjustments | 11,427 | -16,847 | 215,522 | 134,237 | 8,201 | 6,579 |
Net Cash Flow | -297,720 | -144,412 | 267,618 | 169,223 | 798 | 126,247 |
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 | -752,276 | -367,710 | -321,060 | -117,673 | -47,821 | -109,293 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -226.97% | -131.85% | -167.20% | -92.03% | -44.29% | -125.19% |
Free Cash Flow Per Share | -118.59 | -73.43 | -110.64 | -40.87 | -16.61 | -37.96 |
Free Cash Flow After Leases | -752,919 | -368,353 | -321,096 | -117,681 | -47,821 | -109,293 |
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 | 82,325 | 82,325 | 101,118 | 69,537 | 52,599 | 45,626 |
Cash Income Tax Paid | 2,985 | 2,985 | 1,284 | 1,518 | 699 | 312 |