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Banks · Financial Services · Fiscal year ends Dec 31
Beacon Financial reported revenue of $30M in the fiscal year ended Dec 2025, up 81.1% from the year before. Net income was $90M. Operating cash flow of $224M less capital expenditure of $12M left free cash flow of $212M. It held more cash than debt (net cash $1.3B).
Ranks among the 59 banks companies we cover (1st = best; for debt, the least indebted). Green = top third, red = bottom third.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 46.1 | 40.9 | 16.2 | 16.5 | 29.9 |
| Net interest incomeBanks | 291 | 345 | 340 | 330 | 503 |
| Interest expense | 37.9 | 42.7 | 207 | 299 | 330 |
| Pre-tax income | 149 | 114 | 93.9 | 91.7 | 122 |
| Income tax | 30.4 | 21.3 | 18.9 | 23.0 | 31.6 |
| Net income | 119 | 92.5 | 75.0 | 68.7 | 90.3 |
| Diluted EPS | 2.39 | 2.02 | 0.85 | 0.77 | 1.03 |
| Diluted shares | 49.6 | 45.9 | 88.5 | 89.3 | 87.7 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,628 | 383 | 133 | 544 | 2,042 |
| Net PP&E | 94.4 | 85.2 | 68.9 | 86.8 | 162 |
| Goodwill | 0.0 | – | 241 | 241 | 352 |
| Total assets | 11,555 | 11,663 | 12,431 | 11,905 | 23,220 |
| Short-term debt | 0.0 | 0.0 | 260 | 104 | – |
| Long-term debt | 111 | 126 | 247 | 1,520 | 788 |
| DepositsBanks | 10,069 | 10,327 | 10,633 | 8,902 | 19,515 |
| Total liabilities | 10,372 | 10,709 | 11,419 | 10,683 | 20,724 |
| Shareholders' equity | 1,182 | 992 | 1,199 | 1,222 | 2,496 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 84.8 | 111 | 117 | 105 | 224 |
| Capital expenditure | 1.6 | 1.5 | 12.4 | 5.0 | 12.3 |
| Free cash flow | 83.2 | 109 | 104 | 100.0 | 212 |
| Depreciation & amortisation | 11.0 | 9.6 | 8.4 | 8.0 | 10.0 |
| Stock-based compensation | 4.2 | 7.3 | 7.5 | 8.3 | 3.5 |
| Acquisitions | – | – | 80.2 | 0.0 | −1,084 |
| Share buybacks | 68.7 | 125 | 23.8 | 17.5 | – |
| Dividends paid | 24.6 | 24.5 | 47.9 | 48.1 | 63.1 |
| Dividend per share | 0.48 | 0.54 | 0.54 | 0.54 | 0.73 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | −11.3% | −60.3% | 1.9% | 81.1% |
| EPS growth (YoY) | – | −15.5% | −57.9% | −9.4% | 33.8% |
| Net margin | 257.4% | 226.4% | 462.0% | 415.5% | 301.4% |
| Return on equityBlank when equity is negative | 10.0% | 9.3% | 6.3% | 5.6% | 3.6% |
| Free cash flow margin | 180.4% | 267.3% | 642.1% | 604.5% | 708.4% |
| Cash conversion (CFO ÷ net income) | 0.71x | 1.20x | 1.55x | 1.53x | 2.49x |
| Debt ÷ equity | 0.09x | 0.13x | 0.42x | 1.33x | 0.32x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −1,517 | −257 | 374 | 1,080 | −1,253 |
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.