Menif - Financial Services Ltd (TLV:MNIF)

TLV:MNIF Cash Flow Statement

Financials in millions ILS. 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	174.11	151.88	124.42	92.93	55.17	8.12
Depreciation & Amortization	0.32	0.32	0.34	0.34	0.16	0.01
Loss (Gain) From Sale of Investments	-	-	-	-	-1.93	-
Provision for Credit Losses	22.74	22.74	8.78	-5.47	8.21	4.97
Stock-Based Compensation	0.8	1.38	2.38	3.92	6.21	23.35
Change in Other Net Operating Assets	-489.98	-376.25	-339.39	-833.63	-278.46	-325.03
Other Operating Activities	30.24	32.31	36.97	11.37	11.17	4
Operating Cash Flow	-550.78	-422	-427.97	-820.85	-173.67	-252.23
Capital Expenditures	-0.04	-0.09	-0.01	-0.05	-1.18	-
Investing Cash Flow	-0.04	-0.09	-0.01	-0.05	-1.18	-
Short-Term Debt Issued	-	1,461	570.21	1,539	358.6	163.12
Long-Term Debt Issued	-	734.69	638.16	790.26	657.46	407.75
Total Debt Issued	3,316	2,195	1,208	2,329	1,016	570.87
Short-Term Debt Repaid	-	-1,503	-502.81	-1,372	-444.08	-484.3
Long-Term Debt Repaid	-	-226.19	-248.62	-100.11	-370.26	-
Total Debt Repaid	-2,707	-1,729	-751.43	-1,472	-814.33	-484.3
Net Debt Issued (Repaid)	609.5	466.41	456.94	857.38	201.73	86.57
Issuance of Common Stock	-	-	-	-	-	193.41
Repurchase of Common Stock	-0.9	-7	-	-	-	-
Common Dividends Paid	-52.5	-34	-28	-47.2	-24.3	-
Other Financing Activities	-	-	0.06	-	-0.49	-
Financing Cash Flow	556.1	425.41	428.99	810.18	176.93	279.98
Net Cash Flow	5.28	3.33	1.01	-10.72	2.09	27.75
Free Cash Flow	-550.82	-422.08	-427.98	-820.89	-174.85	-252.23
Free Cash Flow Margin	-192.71%	-175.61%	-225.97%	-602.15%	-178.05%	-463.78%
Free Cash Flow Per Share	-8.97	-6.93	-7.08	-13.57	-2.89	-6.14
Cash Interest Paid	196.41	166.96	114.02	31.68	15.59	7.67
Cash Income Tax Paid	58.49	28.73	27.93	32.43	14.08	7.5

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