Qliro AB Cash Flow Statement

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

Millions SEK. 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	-92.7	-23.7	4.1	-93.5	-39.9	Upgrade
Depreciation & Amortization	9.8	15.8	8.2	16.3	19.5	Upgrade
Other Amortization	74	62.7	64.9	89.1	76.5	Upgrade
Total Asset Writedown	-	-	-	0.2	-	Upgrade
Provision for Credit Losses	107.3	134.4	121.7	116.1	81.9	Upgrade
Change in Other Net Operating Assets	-290.4	465.5	-500.9	-296.2	-195.9	Upgrade
Other Operating Activities	-23.8	0.7	-35.2	4.5	-40.8	Upgrade
Net Cash from Discontinued Operations	-	5.6	25.2	-	-	Upgrade
Operating Cash Flow	-214.4	662.2	-312	-163.5	-98.7	Upgrade
Capital Expenditures	-1.9	-1.6	-1.8	-2.8	-7.5	Upgrade
Purchase / Sale of Intangibles	-122.1	-130.1	-94.9	-88.9	-82.8	Upgrade
Other Investing Activities	-	-	-	0.1	0.1	Upgrade
Investing Cash Flow	-124	-131.7	-96.7	-91.6	-90.2	Upgrade
Long-Term Debt Issued	70	-	-	-	-	Upgrade
Total Debt Issued	70	-	-	-	-	Upgrade
Long-Term Debt Repaid	-5.8	-105.7	-5.6	-8.2	-8.2	Upgrade
Net Debt Issued (Repaid)	64.2	-105.7	-5.6	-8.2	-8.2	Upgrade
Issuance of Common Stock	107.5	47.7	-	18.7	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	-173.3	-224.3	-384	1,087	99.8	Upgrade
Other Financing Activities	-12.4	53.1	2.5	1.1	-	Upgrade
Financing Cash Flow	-14	-229.2	-387.1	1,098	91.6	Upgrade
Foreign Exchange Rate Adjustments	-2	0.6	-3.8	-	-0.3	Upgrade
Net Cash Flow	-354.5	302	-799.6	843.1	-97.6	Upgrade
Free Cash Flow	-216.3	660.6	-313.8	-166.3	-106.2	Upgrade
Free Cash Flow Margin	-70.94%	226.78%	-111.24%	-56.43%	-33.50%	Upgrade
Free Cash Flow Per Share	-8.80	34.01	-16.84	-8.71	-5.91	Upgrade
Cash Interest Paid	95.9	121.5	86.3	47.3	41.2	Upgrade

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