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· Fiscal year ends Dec 31
Net income was $391M. Operating cash flow of $248M less capital expenditure of $17M left free cash flow of $231M.
Last 5 fiscal years
| Fiscal year | Dec 2024 | Dec 2025 |
|---|---|---|
| Net interest incomeBanks | 687 | 790 |
| Interest expense | 218 | 200 |
| Pre-tax income | 394 | 507 |
| Income tax | 87.9 | 116 |
| Net income | 306 | 391 |
| Diluted EPS | 1.39 | 1.75 |
| Diluted shares | 221 | 222 |
| Fiscal year | Dec 2024 | Dec 2025 |
|---|---|---|
| Cash & equivalents | 1,242 | 2,064 |
| Goodwill | 348 | 348 |
| Total assets | 19,243 | 20,752 |
| DepositsBanks | 14,986 | 15,863 |
| Total liabilities | 16,132 | 16,968 |
| Shareholders' equity | 3,111 | 3,784 |
| Fiscal year | Dec 2024 | Dec 2025 |
|---|---|---|
| Operating cash flow | 363 | 248 |
| Capital expenditure | 25.2 | 16.8 |
| Free cash flow | 338 | 231 |
| Depreciation & amortisation | 19.2 | 20.0 |
| Stock-based compensation | 3.5 | 3.1 |
| Share buybacks | 12.1 | 0.0 |
| Dividends paid | 57.5 | 247 |
| Dividend per share | 0.26 | 1.12 |
| Fiscal year | Dec 2024 | Dec 2025 |
|---|---|---|
| EPS growth (YoY) | – | 25.9% |
| Return on equityBlank when equity is negative | 9.8% | 10.3% |
| Cash conversion (CFO ÷ net income) | 1.19x | 0.63x |
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.