Paragon Banking Group Cash Flow Statement

Financials in millions GBP. Fiscal year is October - September.

Millions GBP. Fiscal year is Oct - Sep.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021	2020 - 2016
Net Income	180.3	186	153.9	313.6	164.5	Upgrade
Depreciation & Amortization	16	17.3	17.2	14.4	14	Upgrade
Other Amortization	1.8	0.9	1.1	1.2	1.2	Upgrade
Provision for Credit Losses	41.9	24.5	18	14	-4.7	Upgrade
Stock-Based Compensation	8.1	9.2	9.6	9.2	8.9	Upgrade
Change in Trading Asset Securities	46.6	-80.5	-17	-169.4	523.3	Upgrade
Change in Other Net Operating Assets	-701	2,077	2,031	946.2	618.6	Upgrade
Other Operating Activities	29.2	-17.4	-42.3	39.6	-447.8	Upgrade
Operating Cash Flow	-377.4	2,216	2,172	1,169	878.1	Upgrade
Operating Cash Flow Growth	-	2.06%	85.82%	33.09%	-14.64%	Upgrade
Capital Expenditures	-1.3	-0.9	-1.6	-1.3	-1.9	Upgrade
Sale of Property, Plant & Equipment	0.2	0.3	0.1	0.6	-	Upgrade
Sale (Purchase) of Intangibles	-2.6	-4.5	-1.6	-1.7	-2.4	Upgrade
Investment in Securities	-233.2	-419.6	-	-	-	Upgrade
Investing Cash Flow	-236.9	-424.7	-3.1	-2.4	-4.3	Upgrade
Short-Term Debt Issued	695	55	50	-	-	Upgrade
Long-Term Debt Issued	498.8	-	-	-	1,185	Upgrade
Total Debt Issued	1,194	55	50	-	1,185	Upgrade
Long-Term Debt Repaid	-502.9	-2,144	-970.5	-447.9	-2,529	Upgrade
Net Debt Issued (Repaid)	690.9	-2,089	-920.5	-447.9	-1,344	Upgrade
Issuance of Common Stock	0.8	0.7	3.9	1.4	2.1	Upgrade
Repurchase of Common Stock	-132.4	-89.5	-120.5	-79.5	-42.2	Upgrade
Common Dividends Paid	-81	-83.5	-67.9	-68.9	-54.6	Upgrade
Other Financing Activities	-	-	-	-0.7	-	Upgrade
Financing Cash Flow	478.3	-2,261	-1,105	-595.6	-1,439	Upgrade
Net Cash Flow	-136	-469.1	1,064	570.7	-564.8	Upgrade
Free Cash Flow	-378.7	2,216	2,170	1,167	876.2	Upgrade
Free Cash Flow Growth	-	2.09%	85.89%	33.23%	-14.67%	Upgrade
Free Cash Flow Margin	-74.89%	442.30%	477.16%	273.46%	247.16%	Upgrade
Free Cash Flow Per Share	-1.73	10.14	9.35	4.69	3.35	Upgrade
Cash Income Tax Paid	69.7	70.3	75.1	56.5	48.3	Upgrade

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