Loading financials from SEC filings…
Banks · Financial Services · Fiscal year ends Dec 31
Net income was $274M. Net debt was $531M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 551 | 584 | 611 | 699 | 1,155 |
| Interest expense | 41.1 | 76.2 | 343 | 529 | 667 |
| Pre-tax income | 319 | 280 | 240 | 260 | 337 |
| Income tax | 54.8 | 45.4 | 38.1 | 50.7 | 63.3 |
| Net income | 264 | 235 | 202 | 209 | 274 |
| Diluted EPS | 3.26 | 2.97 | 2.53 | 2.24 | 2.03 |
| Diluted shares | 77.4 | 75.0 | 75.0 | 87.9 | 129 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 803 | 320 | 378 | 354 | 966 |
| Net PP&E | 135 | 118 | 91.0 | 113 | 167 |
| Goodwill | 936 | 925 | 925 | 1,214 | 1,733 |
| Total assets | 20,065 | 20,461 | 21,166 | 24,585 | 37,586 |
| Short-term debt | 118 | 1,319 | 921 | 116 | 725 |
| Long-term debt | 389 | 390 | 391 | 418 | 772 |
| DepositsBanks | 16,611 | 15,932 | 16,818 | 20,398 | 30,472 |
| Total liabilities | 17,355 | 18,088 | 18,610 | 21,442 | 32,579 |
| Shareholders' equity | 2,710 | 2,373 | 2,556 | 3,143 | 5,006 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 338 | 420 | 278 | 308 | 2,237 |
| Depreciation & amortisation | 15.9 | 14.2 | 12.9 | 12.8 | 17.7 |
| Stock-based compensation | 10.1 | 10.6 | 11.1 | 13.8 | 23.7 |
| Share buybacks | 125 | 48.2 | 0.0 | 0.0 | – |
| Dividends paid | 84.3 | 86.9 | – | – | – |
| Dividend per share | 1.09 | 1.16 | 1.22 | 1.30 | 1.39 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −8.9% | −14.8% | −11.5% | −9.4% |
| Return on equityBlank when equity is negative | 9.7% | 9.9% | 7.9% | 6.7% | 5.5% |
| Cash conversion (CFO ÷ net income) | 1.28x | 1.79x | 1.38x | 1.47x | 8.17x |
| Debt ÷ equity | 0.19x | 0.72x | 0.51x | 0.17x | 0.30x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −296 | 1,389 | 934 | 181 | 531 |
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.