PFIS 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	59.19	8.5	27.38	38.09	43.52
Depreciation & Amortization	10.62	7.24	3.5	4.03	3.64
Provision for Credit Losses	0.1	19.13	0.57	-0.45	1.75
Stock-Based Compensation	0.35	0.79	0.89	0.53	0.55
Net Change in Loans Held-for-Sale	-0.81	0.25	-0.25	0.41	0.33
Other Adjustments	-11.7	-13.54	2.25	4.15	-11.52
Changes in Accrued Interest and Accounts Receivable	-2	4.55	-1.02	-3.19	-0.27
Changes in Accounts Payable	1.29	-2.23	4.86	0.45	-0.33
Changes in Other Operating Activities	-2.76	10.05	-4.92	-1.75	3
Operating Cash Flow	54.28	34.73	33.25	42.36	40.77
Operating Cash Flow Growth	56.30%	4.43%	-21.50%	3.89%	9.66%
Net Change in Loans Held-for-Investment	-60.65	61.68	-123.34	-402.7	-151.96
Net Change in Securities and Investments	38.77	296.77	103.35	-53.86	-296.85
Proceeds from Business Divestments	-	28.07	-	-	-
Capital Expenditures	-10.93	-2.58	-5.93	-7.83	-4.89
Sale of Property, Plant & Equipment	7.41	1.81	0.15	1.14	0.98
Other Investing Activities	0.97	0.6	-	-4.57	12.6
Investing Cash Flow	-24.44	386.35	-25.75	-467.82	-440.1
Net Change in Deposits	25.82	-299.81	232.44	83.2	526.28
Short-Term Debt Issued	16.82	-131.39	-97.34	112.93	-50
Net Short-Term Debt Issued (Repaid)	16.82	-131.39	-97.34	112.93	-50
Long-Term Debt Issued	159.19	-	25	-	-
Long-Term Debt Repaid	-73.89	-23.29	-0.56	-2.16	-12.06
Net Long-Term Debt Issued (Repaid)	85.3	-23.29	24.45	-2.16	-12.06
Repurchase of Common Stock	-	-	-5.89	-1.25	-2.36
Net Common Stock Issued (Repurchased)	-	-	-5.89	-1.25	-2.36
Common Dividends Paid	-24.64	-18.09	-11.66	-11.32	-10.79
Financing Cash Flow	103.3	-472.58	142	183.4	451.07
Net Cash Flow	133.13	-51.51	149.5	-242.07	51.74
Free Cash Flow	43.34	32.15	27.33	34.53	35.89
Free Cash Flow Growth	34.81%	17.65%	-20.85%	-3.79%	2.86%
FCF Margin	12.25%	11.93%	14.52%	17.45%	18.25%
Free Cash Flow Per Share	4.30	3.74	3.82	4.79	4.96
Levered Free Cash Flow	157.52	-129.15	-49.02	140.58	-17.38
Unlevered Free Cash Flow	-3.79	17.03	-3.5	-8.28	1.16

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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