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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $475M. It held more cash than debt (net cash $818M).
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 1,058 | 1,240 | 1,103 | – | – |
| Net interest incomeBanks | 726 | 957 | 1,040 | 1,047 | 1,201 |
| Interest expense | 72.3 | 188 | 918 | 1,075 | 972 |
| Pre-tax income | 436 | 460 | 206 | 134 | 578 |
| Income tax | 85.3 | 93.5 | 23.1 | 11.3 | 103 |
| Net income | 351 | 366 | 183 | 123 | 475 |
| Diluted EPS | 2.18 | 2.34 | 1.13 | 0.72 | 2.77 |
| Diluted shares | 152 | 150 | 151 | 153 | 167 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,026 | 621 | 924 | 1,020 | 1,720 |
| Net PP&E | 385 | 377 | 373 | 379 | 382 |
| Goodwill | 1,105 | 1,105 | 1,105 | 1,105 | 1,105 |
| Total assets | 35,104 | 39,406 | 41,016 | 43,023 | 45,203 |
| Short-term debt | 354 | 606 | 327 | 470 | 308 |
| Long-term debt | 249 | 248 | 541 | 838 | 594 |
| DepositsBanks | 28,466 | 29,636 | 33,446 | 34,648 | 35,553 |
| Total liabilities | 31,079 | 35,390 | 36,842 | 38,418 | 40,227 |
| Shareholders' equity | 4,025 | 4,015 | 4,174 | 4,606 | 4,975 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 530 | 847 | 443 | 580 | 616 |
| Depreciation & amortisation | 46.5 | 45.1 | 47.0 | 48.8 | 50.4 |
| Acquisitions | 0.0 | 0.0 | – | – | – |
| Dividends paid | 116 | 123 | 130 | 139 | 156 |
| Dividend per share | – | 0.81 | 0.85 | 0.89 | 0.93 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | 17.1% | −11.0% | – | – |
| EPS growth (YoY) | – | 7.3% | −51.7% | −36.3% | 284.7% |
| Net margin | 33.2% | 29.5% | 16.6% | – | – |
| Return on equityBlank when equity is negative | 8.7% | 9.1% | 4.4% | 2.7% | 9.5% |
| Cash conversion (CFO ÷ net income) | 1.51x | 2.31x | 2.42x | 4.71x | 1.30x |
| Debt ÷ equity | 0.15x | 0.21x | 0.21x | 0.28x | 0.18x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −422 | 233 | −55.8 | 288 | −818 |
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.