EQB Inc. Cash Flow Statement

Financials in millions CAD. Fiscal year is November - October.

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2022	FY 2021	FY 2020
Period Ending	Jan '26 Jan 31, 2026	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	238.43	266.61	401.67	270.18	292.53	223.8
Depreciation & Amortization	68.07	67.95	60.04	46.87	32.67	22.93
Provision for Credit Losses	157.88	137.43	107.01	37.26	-7.67	42.28
Stock-Based Compensation	4.16	4.64	4.02	3.42	2.54	1.89
Net Change in Loans Held-for-Sale	526.78	435.07	-58.57	-5,061	-4,713	-1,752
Other Adjustments	165.07	202.69	214.27	120.09	114.52	84.33
Changes in Other Operating Activities	-736.62	-742.45	-1,007	4,613	4,972	1,702
Operating Cash Flow	480.31	371.94	-278.24	29.89	693.26	325.18
Operating Cash Flow Growth	-	-	-	-95.69%	113.19%	5.68%
Net Change in Securities and Investments	-17.35	-30.47	519.37	-26.04	-379.91	-174.8
Payments for Business Acquisitions	-4.24	-4.24	-75.48	-495.37	-	-
Capital Expenditures	-100.22	-84.89	-67.36	-76.57	-38.57	-27.79
Other Investing Activities	53.03	53.03	26.24	-168.79	-39.77	-48.45
Investing Cash Flow	-113.79	-66.58	402.77	-766.77	-458.25	-251.04
Short-Term Debt Issued	-	-	-	275	-	-
Net Short-Term Debt Issued (Repaid)	-	-	-	275	-	-
Issuance of Common Stock	12.27	8.42	31.29	231.73	10.06	4.12
Repurchase of Common Stock	-97.33	-97.33	-	-	-	-
Net Common Stock Issued (Repurchased)	-193.8	-88.91	31.29	231.73	10.06	4.12
Repurchase of Preferred Stock	-	-	-183.78	-	-	-
Net Preferred Stock Issued (Repurchased)	-	-	-183.78	-	-	-
Common Dividends Paid	-84.35	-82.03	-66.58	-42.43	-25.15	-24.9
Preferred Share Dividends Paid	-	-	-8.14	-5.57	-4.41	-4.48
Other Financing Activities	-8.82	-8.82	144.85	-	-	-
Financing Cash Flow	-286.9	-179.75	-82.36	458.74	-19.5	-25.25
Net Cash Flow	79.62	125.61	42.17	-278.15	215.51	48.89
Free Cash Flow	380.08	287.05	-345.61	-46.69	654.68	297.39
Free Cash Flow Growth	32.41%	-	-	-	120.14%	3.42%
FCF Margin	34.93%	25.53%	-30.09%	-6.27%	100.63%	57.80%
Free Cash Flow Per Share	9.94	7.44	-8.97	-1.33	19.01	8.78
Levered Free Cash Flow	-540.49	-502.91	-624.17	5,123	5,254	1,916
Unlevered Free Cash Flow	-768.78	-759.39	-1,014	4,583	4,966	1,697

Updated Jan 31, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.