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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $412M. Operating cash flow of $390M less capital expenditure of $21M left free cash flow of $370M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 655 | 801 | 835 | 849 | 937 |
| Interest expense | 47.8 | 92.9 | 445 | 529 | 458 |
| Pre-tax income | 496 | 453 | 357 | 476 | 534 |
| Income tax | 119 | 107 | 87.8 | 117 | 122 |
| Net income | 377 | 347 | 269 | 359 | 412 |
| Diluted EPS | 5.40 | 4.99 | 3.89 | 5.19 | 6.00 |
| Diluted shares | 69.8 | 69.4 | 69.1 | 69.1 | 68.7 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 4,065 | 1,118 | 1,167 | 1,220 | 1,089 |
| Net PP&E | 225 | 220 | 216 | 209 | 213 |
| Goodwill | 1,013 | 1,016 | 1,016 | 1,016 | 1,016 |
| Total assets | 23,858 | 25,053 | 25,204 | 26,262 | 27,516 |
| DepositsBanks | 19,666 | 19,463 | 20,709 | 21,722 | 22,376 |
| Total liabilities | 20,892 | 21,856 | 21,777 | 22,511 | 23,440 |
| Shareholders' equity | 2,966 | 3,197 | 3,427 | 3,752 | 4,076 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 9.1 | 1,062 | 569 | 154 | 390 |
| Capital expenditure | 25.4 | 13.6 | 17.5 | 13.5 | 20.5 |
| Free cash flow | −16.3 | 1,049 | 551 | 141 | 370 |
| Depreciation & amortisation | 17.2 | 41.0 | 34.6 | 36.8 | 29.7 |
| Stock-based compensation | 7.9 | 6.7 | 10.0 | 13.4 | 12.7 |
| Acquisitions | 127 | 14.0 | 0.0 | 0.0 | – |
| Dividends paid | 41.8 | 41.6 | 41.6 | 41.5 | 55.3 |
| Dividend per share | 0.60 | 0.60 | 0.60 | 0.65 | 0.80 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −7.6% | −22.0% | 33.4% | 15.6% |
| Return on equityBlank when equity is negative | 12.7% | 10.8% | 7.9% | 9.6% | 10.1% |
| Cash conversion (CFO ÷ net income) | 0.02x | 3.07x | 2.11x | 0.43x | 0.95x |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.