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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $195M. Operating cash flow of $257M less capital expenditure of $10M left free cash flow of $248M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating income | 96.4 | 75.3 | 44.4 | 66.9 | 72.8 |
| Net interest incomeBanks | 497 | 553 | 576 | 542 | 588 |
| Interest expense | 23.6 | 19.4 | 126 | 224 | 217 |
| Income tax | 45.5 | 45.4 | 43.5 | 40.6 | 43.5 |
| Net income | 201 | 195 | 184 | 169 | 195 |
| Diluted EPS | 5.76 | 5.67 | 5.33 | 4.88 | 5.64 |
| Diluted shares | 34.9 | 34.5 | 34.5 | 34.6 | 34.7 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 2,134 | 243 | 254 | 502 | 423 |
| Net PP&E | 149 | 139 | 132 | 125 | 112 |
| Goodwill | 373 | 373 | 373 | 373 | 373 |
| Total assets | 16,805 | 15,833 | 15,670 | 16,200 | 16,354 |
| DepositsBanks | 14,327 | 13,620 | 13,029 | 13,514 | 13,743 |
| Total liabilities | 15,115 | 14,377 | 14,018 | 14,426 | 14,408 |
| Shareholders' equity | 1,690 | 1,456 | 1,653 | 1,774 | 1,946 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 302 | 238 | 257 | 293 | 257 |
| Capital expenditure | 10.5 | 14.7 | 14.7 | 13.7 | 9.5 |
| Free cash flow | 291 | 223 | 243 | 279 | 248 |
| Depreciation & amortisation | 17.3 | 16.9 | 17.9 | 18.1 | 16.4 |
| Stock-based compensation | 9.3 | 8.9 | 9.2 | 10.0 | 10.3 |
| Share buybacks | 56.5 | 11.0 | 0.0 | 0.0 | 31.6 |
| Dividends paid | 57.6 | 61.1 | 66.8 | 66.7 | 67.5 |
| Dividend per share | 1.64 | 1.76 | 1.92 | 1.92 | 1.94 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating income growth (YoY) | – | −21.9% | −41.0% | 50.6% | 8.9% |
| EPS growth (YoY) | – | −1.6% | −6.0% | −8.4% | 15.6% |
| Return on equityBlank when equity is negative | 11.9% | 13.4% | 11.1% | 9.5% | 10.0% |
| Cash conversion (CFO ÷ net income) | 1.50x | 1.22x | 1.40x | 1.74x | 1.32x |
| Interest cover | 4.08x | 3.88x | 0.35x | 0.30x | 0.34x |
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.