Understand The Cash Flow Statement

Net Operating Cash Flow was down 113%, and negative ($-157M) in 2024. This is largely due to "Receivables from users", net soaring. This is not a concern to me.

Cash Flows from Investing and Financing activities were also negative, but improve. Nothing stuck out to me as a red flag in these line items. It seems they are negative due to their pivot into credit cards.

Change in cash was negative, which is normally a bad sign, however, as a relatively young growth company, I'm willing to overlook it (for now)