First Habib Modaraba Cash Flow Statement

Financials in millions PKR. Fiscal year is July - June.

Millions PKR. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Income	813.74	901.5	690.2	519.63	382.12	363.15
Depreciation & Amortization	29.89	24.99	17.67	19.24	18.32	17.93
Other Amortization	3.79	3.79	0.65	47.04	288.15	660.36
Asset Writedown & Restructuring Costs	-	-	-	-	0.14	-
Provision for Credit Losses	-6.89	124.93	308.46	316.3	103.79	41.37
Net Decrease (Increase) in Loans Originated / Sold - Operating	-9,109	-7,273	-6,225	-4,799	-5,982	-2,911
Change in Accounts Payable	3,229	59.9	273.43	223.43	194.75	127.29
Change in Unearned Revenue	-1.56	-23.39	-3.95	-37.14	63.22	5.46
Change in Income Taxes	-	-	-	89.47	-18.04	-13.37
Change in Other Net Operating Assets	-824.77	-400.98	-432.88	1,152	-109.52	-28.77
Other Operating Activities	-128.72	-312.39	311.69	479.67	451.29	-0.51
Operating Cash Flow	-5,994	-6,895	-5,060	-2,051	-4,664	-1,762
Capital Expenditures	-13.81	-27.02	-51.31	-11.48	-17.56	-6.19
Sale of Property, Plant & Equipment	3.3	4.08	8.12	1.47	3.94	4.49
Sale (Purchase) of Intangibles	-1.94	-2.12	-10.19	-	-0.18	-
Investment in Securities	109.69	-100	230.65	-52.57	-11.15	10.35
Other Investing Activities	9.56	7.77	12.26	5.75	27.79	21.88
Investing Cash Flow	106.8	-117.28	189.53	-56.83	2.83	30.54
Short-Term Debt Issued	-	-	-	-	-	50
Long-Term Debt Issued	-	79,522	64,254	54,193	3,972	2,011
Total Debt Issued	79,643	79,522	64,254	54,193	3,972	2,061
Long-Term Debt Repaid	-	-74,945	-61,781	-51,754	-16.23	-2.37
Total Debt Repaid	-74,948	-74,945	-61,781	-51,754	-16.23	-2.37
Net Debt Issued (Repaid)	4,695	4,577	2,473	2,439	3,956	2,058
Common Dividends Paid	-246.61	-229.98	-220	-199	-279.61	-279.22
Financing Cash Flow	4,449	4,347	2,253	2,240	3,676	1,779
Net Cash Flow	-1,439	-2,665	-2,617	131.75	-985.12	47.49
Free Cash Flow	-6,008	-6,922	-5,111	-2,062	-4,682	-1,768
Free Cash Flow Margin	-390.27%	-449.77%	-372.40%	-247.85%	-891.25%	-382.38%
Free Cash Flow Per Share	-54.23	-62.46	-46.12	-18.61	-46.45	-17.54
Cash Interest Paid	3,217	3,598	3,296	2,104	761.53	447.26
Cash Income Tax Paid	361.78	395.36	391.14	85.56	52.82	19.24

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