PFIS 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	53.3	8.5	27.38	38.09	43.52	29.35
Depreciation & Amortization	10.4	7.24	3.5	4.03	3.64	4.25
Provision for Credit Losses	2.51	19.15	0.57	-0.45	1.75	7.4
Stock-Based Compensation	0.18	0.79	0.89	0.53	0.55	0.57
Net Change in Loans Held-for-Sale	-0.01	0.25	-0.26	0.41	0.33	0.15
Other Adjustments	-18.38	-11.98	2.27	4.15	-11.52	-4.01
Changes in Accrued Interest and Accounts Receivable	0.98	4.55	-1.02	-3.19	-0.27	-1.27
Changes in Accounts Payable	1.15	-2.23	2.86	0.45	-0.33	-0.54
Changes in Other Operating Activities	-4.42	9.24	-4.92	-1.75	3	1.28
Operating Cash Flow	41.5	33.92	33.25	42.36	40.77	37.18
Operating Cash Flow Growth	4.95%	2.02%	-21.50%	3.89%	9.66%	0.27%
Net Change in Loans Held-for-Investment	78	61.68	-123.34	-402.7	-151.96	-241.31
Net Change in Securities and Investments	58.01	297.58	103.35	-53.86	-296.85	47.78
Proceeds from Business Divestments	-13.63	28.07	-	-	-	-
Capital Expenditures	6.07	-2.58	-5.93	-7.83	-4.89	-2.29
Sale of Property, Plant & Equipment	-24.2	1.81	0.15	1.14	0.98	1.08
Other Investing Activities	0.6	0.6	-	-4.57	12.6	-6.5
Investing Cash Flow	109.07	387.15	-25.75	-467.82	-440.1	-201.24
Net Change in Deposits	-349.25	-299.81	232.44	83.2	526.28	465.62
Short-Term Debt Issued	38.9	-131.39	-91.34	112.93	-50	1.5
Short-Term Debt Repaid	-	-	-	-	-	-103.65
Net Short-Term Debt Issued (Repaid)	38.9	-131.39	-91.34	112.93	-50	-102.15
Long-Term Debt Issued	82.87	-	25	-	-	15
Long-Term Debt Repaid	-40.46	-23.29	-0.56	-2.16	-12.06	-17.96
Net Long-Term Debt Issued (Repaid)	42.42	-23.29	24.45	-2.16	-12.06	-2.96
Repurchase of Common Stock	-	-	-11.89	-1.25	-2.36	-6.89
Net Common Stock Issued (Repurchased)	-	-	-11.89	-1.25	-2.36	-6.89
Common Dividends Paid	-24.63	-18.09	-11.66	-11.32	-10.79	-10.52
Financing Cash Flow	-259.86	-472.58	142	183.4	451.07	361.1
Net Cash Flow	-105.55	-51.51	149.5	-242.07	51.74	197.04
Free Cash Flow	47.58	31.35	27.33	34.53	35.89	34.89
Free Cash Flow Growth	51.77%	14.71%	-20.85%	-3.79%	2.86%	10.84%
FCF Margin	13.83%	13.98%	15.07%	17.37%	18.58%	20.76%
Free Cash Flow Per Share	4.73	3.65	3.82	4.79	4.96	4.75
Levered Free Cash Flow	148.8	-129.95	-45.02	140.58	-17.38	-74.34
Unlevered Free Cash Flow	14.19	16.23	-5.5	-8.28	1.16	1.42

Updated Sep 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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