FRA:74O Cash Flow Statement

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

Millions CAD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
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	2019 - 2015
Net Income	49.59	47.85	51.49	46.33	41.79	39.19	Upgrade
Provision for Credit Losses	5.5	13.57	11.4	0.86	1.29	3.76	Upgrade
Stock-Based Compensation	0.28	0.4	0.45	0.38	0.31	0.32	Upgrade
Change in Accounts Payable	-3.96	3.12	-2.06	3.28	0.37	-1.64	Upgrade
Change in Unearned Revenue	0.55	0.46	0.37	0.8	0.57	0.58	Upgrade
Change in Other Net Operating Assets	-35.38	-24.85	-17.85	0.02	-0.04	0.02	Upgrade
Other Operating Activities	39.43	27.58	-8.86	4.55	23.59	14.19	Upgrade
Operating Cash Flow	56.01	68.13	34.87	58.07	67.89	56.41	Upgrade
Operating Cash Flow Growth	-	95.37%	-39.95%	-14.46%	20.35%	17.47%	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	-	-87.81	-33.09	-16.55	Upgrade
Other Investing Activities	-	-	-	-	0.07	-	Upgrade
Investing Cash Flow	-	-	13.28	-87.81	-33.02	-16.55	Upgrade
Long-Term Debt Issued	-	447.51	274.07	610.11	817.92	558.69	Upgrade
Total Debt Issued	747.29	447.51	274.07	610.11	817.92	558.69	Upgrade
Long-Term Debt Repaid	-	-497.3	-279.75	-524.3	-805.24	-547.16	Upgrade
Total Debt Repaid	-787.13	-497.3	-279.75	-524.3	-805.24	-547.16	Upgrade
Net Debt Issued (Repaid)	-39.84	-49.79	-5.68	85.81	12.68	11.53	Upgrade
Issuance of Common Stock	29.04	29	0.21	0.19	0.19	0.19	Upgrade
Repurchase of Common Stock	-0.04	-	-0.38	-	-	-	Upgrade
Common Dividends Paid	-30.28	-38.98	-31.99	-28.72	-32.07	-38.02	Upgrade
Other Financing Activities	-1.48	-1.42	-	-20.2	-13.17	-12.7	Upgrade
Financing Cash Flow	-56.01	-68.13	-48.15	29.74	-34.86	-39.85	Upgrade
Cash Interest Paid	20.24	22.84	24.54	18.34	11.51	12.7	Upgrade

Source: S&P Capital IQ. Financial Services template. Financial Sources.