NEWTZ: the cash flow

Cash Flow Overview

Change in Cash

-$164,443K

Free Cash flow

-$427,932K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income

40,971

Net unrealized (appreciation) depreciation on investments

-734

Net (gain) loss on loans accounted for under the fair value option

35,566

Net gain on residuals in securitizations

30,015

Net loss on loan servicing assets

-12,500

Net unrealized depreciation (appreciation) on warrants and derivative transactions

-427

Net gain on sales of loans

38,050

Net accretion of premium/discount on debt securities available-for-sale and loans

1,423

Loss on extinguishment of debt, deferred financing costs expensed

-158

Amortization of deferred financing costs and deferred loan fees and costs

3,225

Provision for credit losses

30,334

Lower of cost or market adjustment on loans held for sale

Bad debt expense, net of recoveries

283

Stock compensation expense

4,008

Deferred income tax expense (benefit)

3,097

Depreciation and amortization

549

Proceeds from sale of loans held for sale

310,246

Sale of loans held for sale from affiliate

Funding of loans held for sale

777,953

Principal received on loans held for sale

7,275

Other, net

1,145

Settlement receivable

-51,996

Other assets

16,097

Due to participants

13,516

Accounts payable, accrued expenses and other liabilities

-6,853

Net cash used in operating activities

-427,836

Principal received on loans held for investment, at fair value

53,907

Principal received on loans held for investment, at fair value

4,669

Net increase in loans held for investment, at cost

-242,775

Proceeds from sale of newtek technology solutions, inc

4,000

Contributions to joint ventures and other non-control investments

15,835

Return of capital from joint ventures and other non-control investments

5,644

Purchase of fixed assets

Sales of federal home loan bank and federal reserve bank stock

-338

Purchases of federal home loan bank and federal reserve bank stock

817

Purchases of available-for-sale securities

-11,573

Maturities of available-for-sale securities

18,000

Net cash used in investing activities

-193,876

Borrowing on bank notes payable

390,200

Repayment on bank notes payable

295,531

Net increase in deposits

204,384

Repayment of federal home loan bank advances

7,513

Proceeds from common shares sold, net of offering costs

5,090

Proceeds from preferred stock, net of offering costs

48,181

Securities purchase and exchange agreement

10,000

Repurchase of common shares under share repurchase plan

167

Redemption of notes-A2024Notes

Redemption of notes-A2025500Notes

30,000

Proceeds from notes-A20298.50Notes

Proceeds from notes-A20298.625Notes

Proceeds from notes-A20308.375Notes

30,000

Purchase of 2029 8.50 notes-A20298.50Notes

Payments on notes payable - securitization trusts

46,671

Proceeds related to residuals in securitizations

169,420

Dividends paid, net of dividend reinvestment plan

16,176

Payments of deferred financing costs

2,934

Proceeds from common stock issued under espp, net of discount

190

Purchase of vested stock for employee payroll tax withholding

1,137

Net cash provided by financing activities

457,269

Net (decrease) increase in cash and restricted cash

-164,443

Cash and cash equivalents at beginning of period

381,374

Cash and cash equivalents at end of period

216,931

Time Plot

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Cash Flow Overview

Change in Cash

-$164,443K

Free Cash flow

-$427,932K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income

40,971

Net unrealized (appreciation) depreciation on investments

-734

Net (gain) loss on loans accounted for under the fair value option

35,566

Net gain on residuals in securitizations

30,015

Net loss on loan servicing assets

-12,500

Net unrealized depreciation (appreciation) on warrants and derivative transactions

-427

Net gain on sales of loans

38,050

Net accretion of premium/discount on debt securities available-for-sale and loans

1,423

Loss on extinguishment of debt, deferred financing costs expensed

-158

Amortization of deferred financing costs and deferred loan fees and costs

3,225

Provision for credit losses

30,334

Lower of cost or market adjustment on loans held for sale

Bad debt expense, net of recoveries

283

Stock compensation expense

4,008

Deferred income tax expense (benefit)

3,097

Depreciation and amortization

549

Proceeds from sale of loans held for sale

310,246

Sale of loans held for sale from affiliate

Funding of loans held for sale

777,953

Principal received on loans held for sale

7,275

Other, net

1,145

Settlement receivable

-51,996

Other assets

16,097

Due to participants

13,516

Accounts payable, accrued expenses and other liabilities

-6,853

Net cash used in operating activities

-427,836

Principal received on loans held for investment, at fair value

53,907

Principal received on loans held for investment, at fair value

4,669

Net increase in loans held for investment, at cost

-242,775

Proceeds from sale of newtek technology solutions, inc

4,000

Contributions to joint ventures and other non-control investments

15,835

Return of capital from joint ventures and other non-control investments

5,644

Purchase of fixed assets

Sales of federal home loan bank and federal reserve bank stock

-338

Purchases of federal home loan bank and federal reserve bank stock

817

Purchases of available-for-sale securities

-11,573

Maturities of available-for-sale securities

18,000

Net cash used in investing activities

-193,876

Borrowing on bank notes payable

390,200

Repayment on bank notes payable

295,531

Net increase in deposits

204,384

Repayment of federal home loan bank advances

7,513

Proceeds from common shares sold, net of offering costs

5,090

Proceeds from preferred stock, net of offering costs

48,181

Securities purchase and exchange agreement

10,000

Repurchase of common shares under share repurchase plan

167

Redemption of notes-A2024Notes

Redemption of notes-A2025500Notes

30,000

Proceeds from notes-A20298.50Notes

Proceeds from notes-A20298.625Notes

Proceeds from notes-A20308.375Notes

30,000

Purchase of 2029 8.50 notes-A20298.50Notes

Payments on notes payable - securitization trusts

46,671

Proceeds related to residuals in securitizations

169,420

Dividends paid, net of dividend reinvestment plan

16,176

Payments of deferred financing costs

2,934

Proceeds from common stock issued under espp, net of discount

190

Purchase of vested stock for employee payroll tax withholding

1,137

Net cash provided by financing activities

457,269

Net (decrease) increase in cash and restricted cash

-164,443

Cash and cash equivalents at beginning of period

381,374

Cash and cash equivalents at end of period

216,931

Time Plot

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