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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $578M. Operating cash flow of $740M less capital expenditure of $164M left free cash flow of $575M. Net debt was $3B.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 1,118 | 1,211 | 1,272 | 1,211 | 1,327 |
| Interest expense | 61.9 | 181 | 1,070 | 1,426 | 1,204 |
| Pre-tax income | 796 | 660 | 683 | 667 | 741 |
| Income tax | 180 | 140 | 152 | 143 | 163 |
| Net income | 618 | 520 | 531 | 524 | 578 |
| Diluted EPS | 8.95 | 7.68 | 8.02 | 8.14 | 9.17 |
| Diluted shares | 68.6 | 67.2 | 65.7 | 63.7 | 62.6 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 2,837 | 1,402 | 1,348 | 1,435 | 1,658 |
| Net PP&E | 574 | 565 | 622 | 634 | 639 |
| Goodwill | 1,045 | 1,045 | 1,045 | 1,045 | 1,045 |
| Total assets | 50,249 | 47,791 | 49,825 | 49,686 | 52,238 |
| Long-term debt | 2,494 | 7,138 | 8,955 | 4,454 | 4,634 |
| DepositsBanks | 41,242 | 34,481 | 34,020 | 38,191 | 39,435 |
| Total liabilities | 44,881 | 43,103 | 44,679 | 44,135 | 46,317 |
| Shareholders' equity | 5,364 | 4,683 | 5,142 | 5,548 | 5,919 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | −3,693 | 5,122 | 66.2 | 1,430 | 740 |
| Capital expenditure | 204 | 215 | 166 | 172 | 164 |
| Free cash flow | −3,897 | 4,907 | −99.7 | 1,259 | 575 |
| Depreciation & amortisation | 102 | 108 | 110 | 105 | 110 |
| Stock-based compensation | 9.8 | 11.6 | 16.4 | 22.9 | 22.7 |
| Share buybacks | 118 | 155 | 177 | 89.9 | 413 |
| Dividends paid | 144 | 144 | 143 | 143 | 148 |
| Dividend per share | 2.09 | 2.13 | 2.17 | 2.22 | 2.34 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −14.2% | 4.4% | 1.5% | 12.7% |
| Return on equityBlank when equity is negative | 11.5% | 11.1% | 10.3% | 9.4% | 9.8% |
| Cash conversion (CFO ÷ net income) | −5.97x | 9.85x | 0.12x | 2.73x | 1.28x |
| Debt ÷ equity | 0.47x | 1.52x | 1.74x | 0.80x | 0.78x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −343 | 5,737 | 7,607 | 3,019 | 2,976 |
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.