CPSS Cash Flow Statement

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

Millions USD. 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	19.49	19.2	45.34	85.98	47.52	21.68
Depreciation & Amortization	13.07	11.44	10.54	9.83	8.79	9.89
Provision for Credit Losses	-3.2	-5.31	-22.3	-28.1	-14.59	14.11
Stock-Based Compensation	2.45	2.96	3.46	4.43	2	1.94
Other Adjustments	243.39	206.03	187.98	129.26	148.03	185.93
Changes in Accrued Interest and Accounts Receivable	-	-	-	-	-	6.63
Changes in Accounts Payable	-3.73	9.46	8.29	10.36	7.49	-4.12
Changes in Other Operating Activities	9.78	-10.03	4.67	4.17	-1.04	2.71
Operating Cash Flow	281.25	233.76	237.98	215.93	198.19	238.77
Operating Cash Flow Growth	26.79%	-1.77%	10.21%	8.95%	-16.99%	10.14%
Net Change in Loans Held-for-Investment	-724.45	-769.41	-359.42	-713.65	-114.71	89.31
Capital Expenditures	-0.72	-0.43	-0.56	-2.15	-1.98	-0.02
Other Investing Activities	0.04	0.13	0.45	1.9	1.33	3.75
Investing Cash Flow	-725.13	-769.71	-359.53	-713.9	-115.36	93.03
Net Short-Term Debt Issued (Repaid)	233.84	180.57	-53.25	181.87	-14.5	-16.27
Long-Term Debt Issued	1,546	1,515	1,236	1,411	1,147	706.87
Long-Term Debt Repaid	-1,243	-1,126	-1,087	-1,065	-1,156	-1,013
Net Long-Term Debt Issued (Repaid)	303.29	389.13	149.03	345.46	-8.5	-306.08
Issuance of Common Stock	4.8	6.91	16.58	15.28	6.05	0.95
Repurchase of Common Stock	-6.95	-12.83	-20.27	-46.1	-25.68	-1.22
Net Common Stock Issued (Repurchased)	-2.15	-5.92	-3.69	-30.82	-19.63	-0.27
Other Financing Activities	-10.68	-15.87	-7.89	-12.3	-7.81	-5.86
Financing Cash Flow	316.73	547.92	84.19	484.21	-50.44	-328.48
Net Cash Flow	-127.16	11.97	-37.36	-13.76	32.4	3.32
Free Cash Flow	280.53	233.32	237.42	213.78	196.22	238.74
Free Cash Flow Growth	20.23%	-1.73%	11.06%	8.95%	-17.81%	10.51%
FCF Margin	134.66%	112.41%	104.28%	79.10%	94.72%	153.33%
Free Cash Flow Per Share	11.60	9.59	9.41	8.04	7.61	-
Levered Free Cash Flow	575.02	599.35	164.05	635.52	37.78	-285.59
Unlevered Free Cash Flow	18.4	10.44	22.93	22.21	13.26	15.09

Updated Nov 10, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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