Qliro AB (publ) (STO:QLIRO)

Qliro AB Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-98.6	-21.9	4.1	-93.5	-39.9	-67
Depreciation & Amortization	28.6	15.8	8.2	16.3	19.5	17.9
Other Amortization	62.7	62.7	64.9	89.1	76.5	67.9
Total Asset Writedown	-	-	-	0.2	-	15.6
Provision for Credit Losses	134.4	134.4	121.7	116.1	81.9	102.5
Change in Other Net Operating Assets	-123	465.5	-500.9	-296.2	-195.9	-568.8
Other Operating Activities	-23.5	-1.1	-35.2	4.5	-40.8	-9.5
Net Cash from Discontinued Operations	-9.1	5.6	25.2	-	-	-
Operating Cash Flow	-27.3	662.2	-312	-163.5	-98.7	-441.4
Capital Expenditures	-1.9	-1.6	-1.8	-2.8	-7.5	-6.8
Purchase / Sale of Intangibles	-130.6	-130.1	-94.9	-88.9	-82.8	-67.7
Other Investing Activities	0.2	-	-	0.1	0.1	-
Investing Cash Flow	-132.3	-131.7	-96.7	-91.6	-90.2	-74.5
Total Debt Issued	70	-	-	-	-	-
Long-Term Debt Repaid	-	-105.7	-5.6	-8.2	-8.2	-8.2
Net Debt Issued (Repaid)	64.1	-105.7	-5.6	-8.2	-8.2	-8.2
Issuance of Common Stock	153.5	47.7	-	19.8	-	125
Net Increase (Decrease) in Deposit Accounts	-224.3	-224.3	-384	1,087	99.8	311.4
Other Financing Activities	42.4	53.1	2.5	-	-	2.5
Financing Cash Flow	35.7	-229.2	-387.1	1,098	91.6	430.7
Foreign Exchange Rate Adjustments	-2	0.6	-3.8	-	-0.3	0.1
Net Cash Flow	-125.9	302	-799.6	843.1	-97.6	-85.1
Free Cash Flow	-29.2	660.6	-313.8	-166.3	-106.2	-448.2
Free Cash Flow Margin	-10.19%	226.70%	-111.24%	-56.43%	-33.50%	-161.69%
Free Cash Flow Per Share	-1.29	34.01	-16.84	-8.71	-5.91	-24.94
Cash Interest Paid	128	121.5	86.3	47.3	41.2	33

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