Vanquis Banking Group Cash Flow Statement

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

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
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	2020 - 2016
Net Income	8.7	-119.3	-11.7	77.4	-32.1	Upgrade
Depreciation & Amortization	7.7	13.7	17	19.6	19	Upgrade
Other Amortization	9.2	10.7	10.6	8.5	7.1	Upgrade
Loss (Gain) From Sale of Investments	-0.1	-1.2	-1.1	-1.6	-5.3	Upgrade
Asset Writedown & Restructuring Costs	-	83.2	4.1	-	-2.3	Upgrade
Stock-Based Compensation	2.2	2.7	4.6	5.1	3	Upgrade
Change in Accounts Payable	5.7	0.6	-22	-31.2	30.7	Upgrade
Change in Other Net Operating Assets	65.5	413.3	555.2	-249.1	134.8	Upgrade
Other Operating Activities	-7.4	36.2	26.2	-37.1	-29.8	Upgrade
Operating Cash Flow	93	440.2	584.7	-204.9	163.1	Upgrade
Operating Cash Flow Growth	-78.87%	-24.71%	-	-	-55.18%	Upgrade
Capital Expenditures	-3.3	-2.2	-3.3	-3.6	-1.3	Upgrade
Sale of Property, Plant & Equipment	-	-	-	-	3.8	Upgrade
Cash Acquisitions	-	-	-2.9	-	-	Upgrade
Sale (Purchase) of Intangibles	-15.2	-	-19	-29.2	-24.8	Upgrade
Investment in Securities	-251.8	4.3	6.4	-	-	Upgrade
Investing Cash Flow	-270.3	2.1	-18.8	-32.8	-22.3	Upgrade
Long-Term Debt Issued	-	5	-	330	746	Upgrade
Long-Term Debt Repaid	-73.7	-183.7	-249.7	-299.2	-1,091	Upgrade
Net Debt Issued (Repaid)	-73.7	-178.7	-249.7	30.8	-345.1	Upgrade
Issuance of Common Stock	58.6	-	0.1	0.2	0.1	Upgrade
Repurchase of Common Stock	-6.3	-0.1	-	-0.7	-	Upgrade
Common Dividends Paid	-0.5	-2.5	-38.4	-42.8	-	Upgrade
Financing Cash Flow	-21.9	-181.3	-288	-12.5	-345	Upgrade
Net Cash Flow	-199.2	261	277.9	-250.2	-204.2	Upgrade
Free Cash Flow	89.7	438	581.4	-208.5	161.8	Upgrade
Free Cash Flow Growth	-79.52%	-24.66%	-	-	-54.80%	Upgrade
Free Cash Flow Margin	32.46%	162.58%	178.89%	-49.95%	37.52%	Upgrade
Free Cash Flow Per Share	0.34	1.71	2.30	-0.82	0.64	Upgrade
Cash Interest Paid	-	103	76.1	48.8	71.3	Upgrade
Cash Income Tax Paid	-4	-8.2	6	13.4	6.1	Upgrade

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