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Cash Flow Overview

Free Cash flow
-$420,764K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Margin lending, brokerage and ot...
    • Net change in bank customer depo...
    • Proceeds from private placement
    • Others
Negative Cash Flow Breakdown
    • Trading securities
    • Brokerage customer liabilities (...
    • Margin lending and trade payable...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Income before income tax
-
-
93,945
101,001
Income tax (expense)/benefit
-
-
17,710
31,884
Net income
31,660
7,976
76,235
38,721
Depreciation and amortization
9,879
13,860
8,317
6,269
Amortization of deferred acquisition costs
2,264
50,130
10,111
-2,618
Non-cash lease expense
6,240
4,652
5,040
4,366
Change in deferred taxes
21,149
-6,745
6,665
6,914
Stock compensation expense
23,235
14,145
15,352
15,496
Unrealized gain on trading securities
54,499
-26,232
-8,827
-7,816
Unrealized (gain)/loss on derivatives
1,524
9,188
8,125
-1,465
Net realized (gain)/loss on available-for-sale securities
238
79
4,103
929
Net change in accrued interest
-54,143
64,614
-42,592
-6,646
Loss on sale of fixed assets
-
15
-280
39
Gain from sale of subsidiaries-Comrun LLP
-
2
1
1,633
Gain from sale of subsidiaries-ITSTech
-
-
0
0
Gain from sale of comrun llp
0
-
-
-
Change in insurance reserves
-112,536
-33,310
-11,568
-42,871
Gain from sale of subsidiaries-ITSTech Limited
-
0
-
-
Revaluation of purchase price previously held interest in arbuz
-
0
-
-
Revaluation of investment in associates
-123
-876
0
-89
Change in unused vacation reserves
2,225
3,930
4,231
208
Allowance for expected credit losses
-17,659
-29,257
-6,342
-11,944
Other non-cash expense/(income)
-710
-9,870
9,999
-
Trading securities
548,723
69,141
289,883
-156,368
Margin lending, brokerage and other receivables (including 12,293 and 15,797 changes from related parties)
-745,444
1,583,017
-602,505
672,128
Insurance contract assets
15,172
10,717
9,494
341
Other assets
36,533
81,400
23,851
-29,971
Brokerage customer liabilities (including 18,698 and 40,843 changes from related parties)
508,231
137,177
-327,903
-1,356,706
Current income tax liability
18,935
-7,312
-1,554
13,194
Margin lending and trade payables (including 184 and 252 changes from related parties)
150,637
-73,660
-21,283
472,569
Lease liabilities
6,135
5,264
4,332
4,284
Liabilities from insurance activity
-3,313
14,910
817
-11,524
Other liabilities
87,763
470
19,572
27,809
Net cash flows (used in)/from operating activities
-341,624
-1,548,675
717,784
535,281
Purchase of fixed assets
79,140
22,994
66,058
78,927
Purchase of intangible assets
15,801
23,375
-
-
Net change in loans issued to customers
-19,589
16,609
89,063
100,727
Purchase of available-for-sale securities, at fair value
132,730
99,366
144,999
166,957
Proceeds from sale of available-for-sale securities, at fair value
20,837
58,704
109,536
200,728
Purchase of held-to-maturity securities
85,644
4,186
48,278
32,606
Capital contribution to investment in associate
40
30
20
30
Cash, cash equivalents disposed from sale of subsidiaries-Comrun LLP
-
-
0
55
Cash received from sale of business-ITSTech
-
-
0
0
Cash, cash equivalents disposed from sale of subsidiaries-ITSTech
-
-
0
0
Consideration paid for acquistions-Silk Net Com LLP
-
-
0
2,672
Consideration received at acquisitions-Silk Net Com LLP
-
-
0
0
Consideration received at acquisitions-Other Acquisitions
-
-
0
-
Consideration paid for acquistions-Other Acquisitions
-
-
0
-
Consideration paid for acquistions-Astel Group Ltd
-
-
-10
264
Consideration received at acquisitions-Astel Group Ltd
-
-
0
0
Cash received from sale of subsidiaries
-
2,452
-
-
Cash received from sale of business-Comrun LLP
-
-
2
2,419
Cash, cash equivalents disposed from sale of subsidiaries-Series Of Individually Immaterial Business Acquisitions
-
55
-
-
Prepayment on acquisitions
-
215
17,504
0
Cash, cash equivalents disposed from sale of subsidiaries
0
-
-
-
Refund of prepayment on acquisition
-
0
-
-
Consideration paid for acquisitions
4,875
13,150
-
-
Cash, cash equivalents disposed from sale of subsidiaries-Freedom UA
-
0
-
-
Cash, cash equivalents and restricted cash received from acquisitions
2,439
7,631
-
-
Net cash flows used in investing activities
-275,365
-108,229
-256,374
-179,036
Proceeds from private placement
300,000
-
-
-
Net (repayment)/proceeds from securities repurchase agreement obligations
-
-85,261
173,643
-211,892
Net proceeds/(repayment) of securities repurchase agreement obligations
233,380
-
-
-
Proceeds from issuance of debt securities
210,009
184,460
328,826
71,025
Net change in bank customer deposits
475,222
101,838
254,890
217,543
Repurchase of mortgage loans under the state program
-
-
18,111
14,234
Settlement and repurchase of mortgage loans under the state program
16,420
60,031
-
-
Funds received under state program for financing of mortgage loans
20,225
15,085
17,002
16,402
Purchase of non-controlling interest in arbuz
-
0
-
-
Net proceeds from loans received
-
-13,593
27,845
17,514
Net (repayment)/proceeds from loans received
-5,718
-
-
-
Net cash flows from financing activities
1,216,698
187,795
784,095
96,358
Effect of changes in foreign exchange rates on cash and cash equivalents and restricted cash
-
241,143
-
-
Effect of changes in foreign exchange rates on cash and cash equivalents
-60,060
-
319,262
-172,799
Effect of expected credit losses on cash and cash equivalents and restricted cash
-86
107
-429
-466
Net change in cash, cash equivalents and restricted cash
611,819
-1,300,115
1,564,338
279,338
Cash, cash equivalents and restricted cash, beginning of period
2,212,427
1,948,204
1,948,204
1,644,770
Cash, cash equivalents and restricted cash, end of period
2,824,246
-
-
-
Cash paid for interest
162,689
-
-
-
Income tax paid
11,606
-
-
-
Operating lease right-of-use assets obtained/disposed of in exchange for operating lease obligations during the period, net
18,411
-
-
-
Cash and cash equivalents
1,351,050
-
-
-
Restricted cash
1,473,196
-
-
-
Total cash, cash equivalents and restricted cash shown as in the statement of cash flows
2,824,246
2,212,427
3,512,542
1,948,204
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net change in bankcustomer deposits$475,222K (142.24%↑ Y/Y)Proceeds from privateplacement$300,000K Netproceeds/(repayment) of securities...$233,380K Proceeds from issuance ofdebt securities$210,009K (5.42%↑ Y/Y)Funds received understate program for...$20,225K (24.67%↑ Y/Y)Net cash flows fromfinancing activities$1,216,698K (886.13%↑ Y/Y)something is missing$72,256K Canceled cashflow$22,138K Net change in cash,cash equivalents and...$611,819K (2439.09%↑ Y/Y)Canceled cashflow$677,135K Settlement and repurchaseof mortgage loans...$16,420K Net(repayment)/proceeds from loans...-$5,718K Margin lending,brokerage and other...-$745,444K (-65.81%↓ Y/Y)Change in insurancereserves-$112,536K (-88.74%↓ Y/Y)Other liabilities$87,763K (292.96%↑ Y/Y)Net income$31,660K (4.16%↑ Y/Y)Stock compensationexpense$23,235K (0.79%↑ Y/Y)Current income taxliability$18,935K (84.14%↑ Y/Y)Allowance for expectedcredit losses-$17,659K (-266.22%↓ Y/Y)Depreciation andamortization$9,879K (61.58%↑ Y/Y)Non-cash lease expense$6,240K (54.23%↑ Y/Y)Amortization of deferredacquisition costs$2,264K (-96.77%↓ Y/Y)Change in unusedvacation reserves$2,225K (75.75%↑ Y/Y)Other non-cashexpense/(income)-$710K Revaluation of investment inassociates-$123K (-55.70%↓ Y/Y)Proceeds from sale ofavailable-for-sale securities, at...$20,837K (54.06%↑ Y/Y)Net change in loansissued to customers-$19,589K (-109.52%↓ Y/Y)Cash, cashequivalents and restricted...$2,439K Net cash flows (usedin)/from operating...-$341,624K (-171.05%↓ Y/Y)Net cash flows usedin investing...-$275,365K (45.53%↑ Y/Y)Effect of changes inforeign exchange rates...-$60,060K (19.06%↑ Y/Y)Effect of expectedcredit losses on cash...-$86K (78.12%↑ Y/Y)Canceled cashflow$1,058,673K Canceled cashflow$42,865K Trading securities$548,723K (341.44%↑ Y/Y)Purchase ofavailable-for-sale securities, at...$132,730K (225.80%↑ Y/Y)Purchase ofheld-to-maturity securities$85,644K (-64.20%↓ Y/Y)Purchase of fixed assets$79,140K (157.06%↑ Y/Y)Brokerage customerliabilities (including...$508,231K (1120.79%↑ Y/Y)Margin lending andtrade payables...$150,637K (-57.25%↓ Y/Y)Unrealized gain on tradingsecurities$54,499K (44.42%↑ Y/Y)Net change inaccrued interest-$54,143K (-373.50%↓ Y/Y)Other assets$36,533K (-63.49%↓ Y/Y)Change in deferredtaxes$21,149K (287.13%↑ Y/Y)Insurance contract assets$15,172K (328.05%↑ Y/Y)Lease liabilities$6,135K (59.35%↑ Y/Y)Liabilities from insuranceactivity-$3,313K (36.18%↑ Y/Y)Unrealized (gain)/loss onderivatives$1,524K (177.99%↑ Y/Y)Net realized(gain)/loss on...$238K (236.78%↑ Y/Y)Purchase of intangibleassets$15,801K Consideration paid foracquisitions$4,875K Capital contribution toinvestment in associate$40K (100.00%↑ Y/Y)

Freedom Holding Corp. (FRHC)

Freedom Holding Corp. (FRHC)