ARI Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	126.72	-119.64	58.13	265.23	223.52
Depreciation & Amortization	11.17	11.67	8.25	0.7	2.65
Other Amortization	17.22	17.42	15.96	12.03	13.74
Loss (Gain) From Sale of Investments	-25.28	99.6	65.86	-77.34	-49.59
Provision for Credit Losses	3.23	155.78	59.43	-17.62	-34.77
Loss (Gain) on Equity Investments	-15.41	-	-	-	0.16
Stock-Based Compensation	13.63	16.47	17.44	18.25	17.63
Change in Accounts Payable	7.86	-75.48	-0.77	12.5	4.46
Change in Other Net Operating Assets	18.95	13.7	-0.45	60.78	37.2
Other Operating Activities	-15.56	80.74	50.02	-6.83	-15.62
Operating Cash Flow	142.52	200.26	273.86	267.71	199.38
Operating Cash Flow Growth	-28.83%	-26.88%	2.30%	34.27%	21.54%
Cash Acquisitions	-	-	-	-	4.15
Investment in Securities	12.08	9.02	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,304	577.61	239.35	-1,470	-1,496
Other Investing Activities	5.09	160.05	-98.86	164.07	92.49
Investing Cash Flow	-1,387	577.17	68.42	-1,339	-1,357
Long-Term Debt Issued	3,850	2,161	806.84	3,001	3,077
Long-Term Debt Repaid	-2,598	-2,593	-916.85	-1,807	-1,661
Net Debt Issued (Repaid)	1,252	-431.93	-110	1,194	1,416
Repurchase of Common Stock	-5.01	-48.29	-6.86	-6.97	-4.28
Common Dividends Paid	-141.28	-185.95	-202.02	-200.57	-199.65
Preferred Dividends Paid	-12.27	-12.27	-12.27	-12.27	-12.96
Total Dividends Paid	-153.55	-198.22	-214.29	-212.85	-212.61
Other Financing Activities	-28.41	-10.87	-12.21	-16.49	-24.06
Financing Cash Flow	1,065	-689.31	-343.36	957.97	1,175
Foreign Exchange Rate Adjustments	2.2	3.26	-0.61	-1.73	-
Net Cash Flow	-177.57	91.96	3.41	-121.08	17.61
Cash Interest Paid	455.66	495.49	443.63	246.37	137.67
Cash Income Tax Paid	0.19	0.03	0.8	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

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