ICRP Cash Flow Statement

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

Millions USD. 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	-1.57	12.67	-4.44	10.18	9.87
Depreciation & Amortization	5.33	1.49	0.54	1.2	1.16
Other Amortization	1.42	1.47	1.92	1.83	1.56
Gain on Sale of Loans & Receivables	7.88	-0.93	-	-	-
Asset Writedown & Restructuring Costs	-	-	6.93	-	-
Provision for Credit Losses	-1.17	2.29	16.91	3.59	-
Stock-Based Compensation	0.03	0.03	0.03	0.03	0.03
Change in Accounts Payable	0.34	0.74	0.72	1.49	0.39
Change in Other Net Operating Assets	-0.88	0.21	-5.43	2.44	-0.11
Other Operating Activities	-0.88	-0.53	-0.63	-0.53	-1.01
Operating Cash Flow	11.39	17.98	16.2	18.52	11.64
Operating Cash Flow Growth	-36.65%	11.00%	-12.53%	59.02%	-2.95%
Net Decrease (Increase) in Loans Originated / Sold - Investing	136.61	127.07	84.45	-180.34	-222.48
Other Investing Activities	0.67	0.52	0.64	0.58	0.23
Investing Cash Flow	136.35	127.59	96.53	-180.56	-222.39
Short-Term Debt Issued	-	11.83	359.95	258.99	194.1
Long-Term Debt Issued	24.57	-	0.44	23.42	124.12
Total Debt Issued	24.57	11.83	360.39	282.41	318.22
Short-Term Debt Repaid	-137.28	-108.59	-390.6	-78.03	-177.7
Long-Term Debt Repaid	-1.63	-18.38	-37.61	-29.74	-
Total Debt Repaid	-138.91	-126.97	-428.21	-107.77	-177.7
Net Debt Issued (Repaid)	-114.34	-115.14	-67.83	174.64	140.52
Issuance of Preferred Stock	-	-	-	-	90
Preferred Share Repurchases	-	-	-0.08	-0.98	-
Issuance of Common Stock	-	-	0.34	4.53	0.2
Repurchase of Common Stock	-	-	-	-22.37	-14.34
Common Dividends Paid	-12.61	-12.6	-12.51	-12.45	-12.39
Preferred Dividends Paid	-5.98	-5.98	-5.98	-6.06	-1.65
Total Dividends Paid	-18.59	-18.58	-18.49	-18.5	-14.04
Other Financing Activities	-0.25	-1.44	-1.93	-3.14	-6.43
Financing Cash Flow	-133.18	-135.16	-87.99	134.19	195.91
Net Cash Flow	14.56	10.41	24.74	-27.86	-14.84
Cash Interest Paid	23.2	37.05	41.9	20.12	8.73

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