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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $241M. Operating cash flow of $285M less capital expenditure of $48M left free cash flow of $237M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 316 | 374 | 424 | 447 | 490 |
| Interest expense | 11.4 | 46.1 | 199 | 277 | 270 |
| Pre-tax income | 208 | 237 | 270 | 275 | 305 |
| Income tax | 40.8 | 44.3 | 57.5 | 58.9 | 64.5 |
| Net income | 168 | 193 | 212 | 216 | 241 |
| Diluted EPS | 5.03 | 5.77 | 6.34 | 6.44 | 7.11 |
| Diluted shares | 33.3 | 33.4 | 33.5 | 33.6 | 33.8 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net PP&E | 269 | 278 | 279 | 296 | 326 |
| Goodwill | 150 | 182 | 182 | 182 | 183 |
| Total assets | 9,406 | 12,388 | 12,372 | 13,554 | 14,839 |
| Short-term debt | 0.0 | 0.3 | 3.4 | 0.0 | 10.0 |
| DepositsBanks | 8,092 | 10,974 | 10,700 | 11,719 | 12,670 |
| Total liabilities | 8,234 | 11,137 | 10,938 | 11,933 | 12,985 |
| Shareholders' equity | 1,172 | 1,251 | 1,434 | 1,621 | 1,854 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 204 | 226 | 233 | 261 | 285 |
| Capital expenditure | 27.3 | 19.8 | 22.5 | 36.7 | 48.3 |
| Free cash flow | 177 | 206 | 211 | 225 | 237 |
| Depreciation & amortisation | 20.0 | 22.0 | 22.2 | 21.7 | 22.5 |
| Stock-based compensation | 2.1 | 1.9 | 3.0 | 3.5 | 3.7 |
| Share buybacks | 11.7 | – | 1.8 | – | – |
| Dividends paid | 45.1 | 48.5 | 53.6 | 57.8 | 62.2 |
| Dividend per share | – | 1.52 | 1.66 | 1.78 | 1.90 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 14.7% | 9.9% | 1.6% | 10.4% |
| Return on equityBlank when equity is negative | 14.3% | 15.4% | 14.8% | 13.3% | 13.0% |
| Cash conversion (CFO ÷ net income) | 1.22x | 1.17x | 1.10x | 1.21x | 1.19x |
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.