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Credit services · Financial Services · Fiscal year ends Dec 31
Net income was $207M. Operating cash flow of $80M less capital expenditure of $0 left free cash flow of $80M. Net debt was $29.9B.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 222 | 271 | 328 | 354 | 391 |
| Interest expense | 204 | 446 | 1,065 | 1,250 | 1,222 |
| Pre-tax income | 172 | 226 | 253 | 258 | 256 |
| Income tax | 36.4 | 47.5 | 53.1 | 50.9 | 48.3 |
| Net income | 136 | 178 | 200 | 207 | 207 |
| Diluted EPS | 10.27 | 13.87 | 15.81 | 16.44 | 16.62 |
| Diluted shares | 10.8 | 10.9 | 10.9 | 11.0 | 11.0 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 909 | 861 | 889 | 1,024 | 931 |
| Total assets | 25,121 | 27,333 | 29,524 | 31,325 | 35,370 |
| Deferred revenue | – | – | 26.5 | 157 | 59.9 |
| Short-term debt | 6,987 | 8,034 | 8,087 | 10,438 | 11,272 |
| Long-term debt | 15,772 | 16,966 | 18,500 | 17,083 | 19,544 |
| Total liabilities | 23,907 | 26,061 | 28,113 | 29,836 | 33,651 |
| Shareholders' equity | 1,214 | 1,272 | 1,412 | 1,489 | 1,719 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 436 | 809 | 376 | 613 | 80.1 |
| Capital expenditure | – | 0.0 | 0.0 | 5.3 | 0.0 |
| Free cash flow | – | 809 | 376 | 607 | 80.1 |
| Stock-based compensation | 4.3 | 4.6 | 6.8 | 8.1 | 8.3 |
| Share buybacks | 0.0 | 0.0 | 0.0 | 0.0 | 12.9 |
| Dividend per share | 0.88 | 0.95 | 1.10 | 1.40 | 1.50 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 35.1% | 14.0% | 4.0% | 1.1% |
| Return on equityBlank when equity is negative | 11.2% | 14.0% | 14.2% | 13.9% | 12.1% |
| Cash conversion (CFO ÷ net income) | 3.21x | 4.54x | 1.88x | 2.96x | 0.39x |
| Debt ÷ equity | 18.8x | 19.7x | 18.8x | 18.5x | 17.9x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 21,850 | 24,139 | 25,698 | 26,496 | 29,885 |
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.