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

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