First BanCorp (Puerto Rico)
S&P 600
Cash Flow
Cash Flow Breakdown
Figures in US$OperatingInvestingFinancing
How to read this: the three bars show where cash moved each year. Operating is cash from the core business (you generally want this positive and growing). Investing is usually negative — money spent on assets or acquisitions. Financing shows money raised from, or returned to, lenders and shareholders. Bars above the line are cash in; bars below are cash out.
Operating Cash Flow vs Capex
Figures in US$Operating Cash FlowCapital Expenditure
How to read this: operating cash flow is the cash the business generated; capital expenditure is what it spent on long-term assets like plant and equipment. The gap between them is roughly free cash flow — the cash left over. A wide gap (operating well above capex) means the business funds its investment comfortably from its own earnings.
| Period | Operating Cash Flow | Investing Cash Flow | Financing Cash Flow | Capital Expenditure |
|---|---|---|---|---|
| FY2014 | $264.35M | $254.73M | $-378.65M | $22.26M |
| FY2015 | $261.89M | $438.98M | $-744.52M | $12.46M |
| FY2016 | $199.43M | $83.19M | $-735.40M | $10.37M |
| FY2017 | $235.96M | $-73.26M | $254.00M | $9.42M |
| FY2018 | $288.32M | $-223.26M | $-195.26M | $20.51M |
| FY2019 | $294.28M | $-342.97M | $106.58M | $22.48M |
| FY2020 | $297.74M | $-1.24B | $1.79B | $16.07M |
| FY2021 | $399.72M | $-1.26B | $1.91B | $13.35M |
| FY2022 | $440.49M | $-681.46M | $-1.82B | $20.46M |
| FY2023 | $362.96M | $-78.45M | $-101.85M | $22.60M |
| FY2024 | $404.15M | $136.23M | $-44.13M | $10.01M |
| FY2025 | $448.56M | $-170.39M | $-778.98M | $11.03M |
Figures in USD. Educational data only.
Understanding these terms
Plain-English explanations of each figure in the table above, and what a beginner typically looks at. These are educational descriptions only, not advice.
- Operating Cash Flow
- Cash produced by the company's core operations during the period. The US equivalent of "Cash from Operating Activity".How a beginner reads it: A beginner uses this as a reality check on profit, since it reflects cash actually collected. Healthy, consistent operating cash flow underpins a company's ability to invest and repay debt.
- Investing Cash Flow
- Cash used for or generated by buying and selling long-term assets and investments. The US equivalent of "Cash from Investing Activity".How a beginner reads it: A beginner expects this to be negative for companies investing in growth. Reading it next to operating cash flow shows whether the business funds its investments from its own earnings.
- Financing Cash Flow
- Cash flows with lenders and shareholders — borrowing, repaying, issuing shares, buybacks, and dividends. The US equivalent of "Cash from Financing Activity".How a beginner reads it: A beginner reads this to understand whether the company is taking in money (borrowing/issuing) or paying it out (repaying/dividends), and how that fits the operating picture.
- Capital Expenditure
- Money spent on buying or upgrading long-lived assets like plant, equipment, and buildings. Often shortened to "capex".How a beginner reads it: A beginner reads capex against operating cash flow to see whether a company funds its investment from its own earnings. Operating cash flow minus capex is roughly free cash flow.