HIFS Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	50.28	54.55	28.19	26.37	37.52	67.46
Depreciation & Amortization	0.76	0.75	0.75	0.69	0.49	0.54
Other Amortization	0.16	0.15	0.03	0.33	0.31	0.67
Gain (Loss) on Sale of Assets	-	-	-	-0.13	-	-2.34
Gain (Loss) on Sale of Investments	-17.58	-28.78	-20.38	-15.15	21.78	-11.82
Total Asset Writedown	-	-	-	-	-	0.07
Provision for Credit Losses	1.78	1.58	0.33	1.12	4.51	3.03
Accrued Interest Receivable	-3.05	-2.9	1.68	-3.28	-9.18	-0.15
Other Operating Activities	1.63	5.32	4.42	2.91	-4.93	0.98
Operating Cash Flow	37.43	35.79	11.89	19.75	55.85	59.01
Operating Cash Flow Growth	90.64%	200.95%	-39.79%	-64.63%	-5.35%	29.43%
Capital Expenditures	-0.24	-0.27	-0.14	-1.3	-2.53	-1.6
Sale of Property, Plant and Equipment	-	-	-	1.51	-	2.82
Investment in Securities	-6.18	-9.22	-16.16	-1.46	3.45	-14.29
Net Decrease (Increase) in Loans Originated / Sold - Investing	24.73	-27.07	40.22	-258.74	-663.5	-507.47
Other Investing Activities	0.79	-0.97	8.55	-16.59	-22.7	-6.81
Investing Cash Flow	19.11	-37.53	32.48	-276.59	-685.28	-527.34
Short-Term Debt Issued	-	-	-	-	1,016	85
Long-Term Debt Issued	-	685.82	1,368	2,895	-	440
Total Debt Issued	723.54	685.82	1,368	2,895	1,016	525
Short-Term Debt Repaid	-	-55	-163	-968	-	-
Long-Term Debt Repaid	-	-664	-1,401	-1,510	-405	-268.03
Total Debt Repaid	-781	-719	-1,564	-2,478	-405	-268.03
Net Debt Issued (Repaid)	-57.46	-33.19	-195.68	416.68	611	256.97
Issuance of Common Stock	1.65	0.24	1.27	1.06	0.32	0.23
Common Dividends Paid	-7.02	-5.5	-5.48	-5.36	-4.84	-4.14
Net Increase (Decrease) in Deposit Accounts	29.71	56.22	142.12	-155.31	112.42	253.67
Other Financing Activities	1.77	1.73	2.76	1.62	3.14	0.41
Financing Cash Flow	-31.36	19.51	-55.02	257.28	720.3	505.51
Net Cash Flow	25.18	17.78	-10.65	0.44	90.87	37.18
Free Cash Flow	37.19	35.53	11.75	18.46	53.33	57.41
Free Cash Flow Growth	90.82%	202.25%	-36.31%	-65.39%	-7.11%	30.29%
Free Cash Flow Margin	38.14%	34.56%	17.94%	29.07%	65.91%	50.03%
Free Cash Flow Per Share	16.87	16.13	5.36	8.41	24.22	26.08
Cash Interest Paid	127.73	128.84	155.54	118.23	28.57	118.23
Cash Income Tax Paid	13.32	12.67	0.63	8.61	21.21	8.61

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