Jefferson Capital 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
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Net Income	187.97	128.89	111.52
Depreciation & Amortization	5.25	2.61	2.37
Other Amortization	6.22	4.25	2.91
Stock-Based Compensation	17.22	-	-
Provision & Write-off of Bad Debts	2.36	3.5	3.52
Other Operating Activities	21.47	-0.53	-0.73
Change in Accounts Receivable	4.59	-7.33	17.86
Change in Accounts Payable	25.48	37.25	9
Change in Other Net Operating Assets	-1.75	-0.44	-26.23
Operating Cash Flow	268.81	168.21	120.22
Operating Cash Flow Growth	59.81%	39.92%	-
Capital Expenditures	-1.09	-6.21	-1.23
Cash Acquisitions	-	-	-5.6
Other Investing Activities	-399.81	-534.58	-393.47
Investing Cash Flow	-401.94	-542.37	-403.41
Long-Term Debt Issued	1,188	1,082	654.73
Long-Term Debt Repaid	-969.3	-650.4	-328.41
Net Debt Issued (Repaid)	218.5	432.09	326.32
Issuance of Common Stock	10	-	-
Common Dividends Paid	-63.46	-36	-30.56
Other Financing Activities	-15.35	-7.27	-5.9
Financing Cash Flow	149.7	388.82	289.86
Foreign Exchange Rate Adjustments	-7.26	2.98	-1.22
Net Cash Flow	9.31	17.64	5.45
Free Cash Flow	267.73	162	118.99
Free Cash Flow Growth	65.27%	36.14%	-
Free Cash Flow Margin	44.09%	37.35%	35.41%
Free Cash Flow Per Share	8.92	-	-
Cash Interest Paid	95.52	58.13	45.11
Cash Income Tax Paid	8.43	8.67	9.05
Levered Free Cash Flow	-220.65	-348.5	-
Unlevered Free Cash Flow	-160.76	-304.48	-
Change in Working Capital	28.32	29.49	0.63

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