TLV:DIFI Cash Flow Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2016 - 2019
Net Income	129.09	141.1	132.47	244.46	181.32	70.93	Upgrade
Depreciation & Amortization	23.4	18.96	15.88	35.87	30.51	29.38	Upgrade
Other Amortization	25.84	25.84	26.07	-	-	-	Upgrade
Provision for Credit Losses	-82.49	-59.06	-32.23	-271.34	-206.24	-64.5	Upgrade
Stock-Based Compensation	3.71	6.98	5.08	17.05	8.91	-	Upgrade
Change in Accounts Payable	-8.86	-24.76	16.78	20.44	10.22	-12.64	Upgrade
Change in Other Net Operating Assets	-869.55	-781.8	-911.36	-1,038	-1,491	-334.2	Upgrade
Other Operating Activities	112.49	75.22	-139.36	-49.11	-16.18	17.93	Upgrade
Operating Cash Flow	-648.04	-576.45	-872.07	-1,054	-1,508	-293.1	Upgrade
Capital Expenditures	-13.73	-10.7	-10.76	-9.97	-3.02	-1.19	Upgrade
Sale of Property, Plant & Equipment	0.28	0.53	0.32	-	0.02	-	Upgrade
Cash Acquisitions	-	-	-	-19.03	-	-	Upgrade
Sale (Purchase) of Intangibles	-39.03	-34.97	-45.44	-33.17	-21.18	-16.13	Upgrade
Investment in Securities	-5.28	-1.46	-2.4	-1.63	-0.74	0.26	Upgrade
Other Investing Activities	-	-	1.98	1.8	-	-	Upgrade
Investing Cash Flow	-57.75	-46.59	-56.3	-62	-24.91	-17.06	Upgrade
Long-Term Debt Issued	-	1,866	2,284	1,785	2,008	492.22	Upgrade
Long-Term Debt Repaid	-	-1,194	-1,301	-705.56	-484.19	-312.41	Upgrade
Net Debt Issued (Repaid)	773.84	671.98	983.14	1,080	1,524	179.81	Upgrade
Issuance of Common Stock	-	-	-	98.25	157.76	137.89	Upgrade
Common Dividends Paid	-73.54	-63.35	-85.05	-133.63	-71.52	-11.49	Upgrade
Other Financing Activities	-	15.75	34.15	-	-	-	Upgrade
Financing Cash Flow	700.31	624.39	932.25	1,044	1,610	306.21	Upgrade
Foreign Exchange Rate Adjustments	0.03	0.01	0.12	0.06	-	-	Upgrade
Net Cash Flow	-5.46	1.35	4	-71.63	77.09	-3.95	Upgrade
Free Cash Flow	-661.76	-587.15	-882.83	-1,064	-1,511	-294.29	Upgrade
Free Cash Flow Margin	-85.64%	-70.34%	-115.91%	-106.32%	-224.53%	-88.73%	Upgrade
Free Cash Flow Per Share	-223.18	-198.56	-298.55	-360.26	-575.03	-126.58	Upgrade
Cash Interest Paid	266.17	237.57	169.48	53.35	49.58	50.65	Upgrade
Cash Income Tax Paid	69.55	119.41	200.29	112.23	83.33	25.25	Upgrade

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