Luminor Financial Holdings Limited (SGX:5UA)
Singapore · Delayed Price · Currency is SGD 0.0320
0.00 (0.00%)
At close: Sep 8, 2026
SGXC:5UA Cash Flow Statement
Financials in millions MYR. Fiscal year is January - December.
Millions MYR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 | -8.82 | -8.45 | -11.21 | 0.3 | 7.62 | -3.71 |
Depreciation & Amortization | 1.16 | 1.35 | 1.73 | 1.44 | 1.55 | 0.98 |
Other Amortization | 2.89 | 2.98 | 1.59 | 0.02 | 0.02 | 0.01 |
Loss (Gain) From Sale of Assets | - | - | - | -0.02 | -21.94 | - |
Asset Writedown & Restructuring Costs | - | - | 0 | 0 | - | - |
Loss (Gain) From Sale of Investments | - | - | 2.95 | -3.24 | - | 0.5 |
Loss (Gain) on Equity Investments | - | - | -0.02 | -0.48 | -0.17 | -0.01 |
Stock-Based Compensation | 0.29 | 0.29 | - | - | - | - |
Provision & Write-off of Bad Debts | 10.53 | 8.43 | 11.05 | 2.7 | 8.16 | 0.75 |
Other Operating Activities | -1.61 | -1.13 | 1.64 | 1.94 | 4.12 | -0.09 |
Change in Accounts Receivable | -27.92 | -27.92 | -68.53 | -46.43 | -16.46 | -34.57 |
Change in Inventory | 0.54 | 0.54 | 0.81 | 0.6 | 29.23 | 0.75 |
Change in Accounts Payable | 35.86 | 6.7 | 0.05 | 9.25 | 0.25 | 0.34 |
Change in Unearned Revenue | -0.5 | 0.14 | 0.58 | 0.38 | 0.69 | -0.05 |
Change in Other Net Operating Assets | -2.58 | -3.87 | -3.08 | 2.02 | 0.81 | 1.99 |
Operating Cash Flow | 9.84 | -20.95 | -62.44 | -31.54 | 13.89 | -33.12 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 | -0.18 | -0.19 | -0.2 | -0.61 | -1.63 | -0.07 |
Sale of Property, Plant & Equipment | - | - | - | 0.04 | - | - |
Cash Acquisitions | - | - | 1.31 | 1.67 | - | - |
Sale (Purchase) of Intangibles | -0.09 | -0.09 | -4.27 | -5.03 | - | -0.03 |
Other Investing Activities | 0.26 | 0.28 | 0.26 | 0.47 | -4.39 | - |
Investing Cash Flow | -0.02 | 0.01 | -2.9 | -3.45 | -6.02 | -0.1 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Short-Term Debt Issued | - | 63.26 | 5.33 | 40.55 | 35.03 | 7.76 |
Total Debt Issued | 115.82 | 63.26 | 5.33 | 40.55 | 35.03 | 7.76 |
Short-Term Debt Repaid | - | -34.97 | -1.19 | -0.49 | -0.57 | -0.02 |
Long-Term Debt Repaid | - | -1.12 | -1.25 | -1.08 | -0.68 | -0.38 |
Lease Payments | -1.12 | -1.12 | -1.25 | -1.08 | -0.68 | -0.38 |
Total Debt Repaid | -95.26 | -36.09 | -2.44 | -1.57 | -1.25 | -0.4 |
Net Debt Issued (Repaid) | 20.57 | 27.17 | 2.88 | 38.97 | 33.78 | 7.36 |
Other Financing Activities | -1.93 | -3.52 | -11.19 | -33.47 | -14.15 | - |
Financing Cash Flow | -7.17 | 10.55 | 77.69 | 13.45 | 19.63 | 7.36 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 | -1.53 | -2.74 | -1.37 | 1.67 | -1.06 | 2.12 |
Net Cash Flow | 1.12 | -13.13 | 10.99 | -19.87 | 26.44 | -23.75 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 | 9.66 | -21.13 | -62.63 | -32.14 | 12.26 | -33.19 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | 19.06% | -40.76% | -148.45% | -89.09% | 52.40% | -191.60% |
Free Cash Flow Per Share | 0.05 | -0.13 | -0.37 | -0.19 | 0.08 | -0.23 |
Levered Free Cash Flow | 26.31 | -3.23 | -61.53 | -33.36 | -1.92 | -30.92 |
Unlevered Free Cash Flow | 36.12 | 7.07 | -53.47 | -30.19 | -0.7 | -30.63 |
Free Cash Flow After Leases | 8.54 | -22.26 | -63.89 | -33.22 | 11.58 | -33.57 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 | 12.4 | 13.87 | 9.51 | 5.11 | 1.54 | 0.74 |
Cash Income Tax Paid | 6.51 | 7.64 | 4.9 | 3.37 | 7.81 | 1.13 |
Change in Working Capital | 5.39 | -24.42 | -70.17 | -34.19 | 14.53 | -31.55 |