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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $566M. Operating cash flow of $645M less capital expenditure of $53M left free cash flow of $592M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 835 | 942 | 998 | 1,040 | 1,112 |
| Interest expense | 12.9 | 56.8 | 383 | 429 | 372 |
| Pre-tax income | 686 | 632 | 620 | 679 | 732 |
| Income tax | 146 | 132 | 135 | 145 | 161 |
| Net income | 531 | 488 | 477 | 526 | 566 |
| Diluted EPS | 3.91 | 3.50 | 3.30 | 3.69 | 4.04 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 4,297 | 898 | 2,687 | 3,376 | 3,548 |
| Net PP&E | 389 | 419 | 469 | 475 | 486 |
| Goodwill | 139 | 139 | 147 | 147 | 147 |
| Total assets | 36,689 | 31,876 | 31,701 | 31,997 | 32,915 |
| DepositsBanks | 29,813 | 26,187 | 25,364 | 25,294 | 25,640 |
| Total liabilities | 33,241 | 29,394 | 28,737 | 28,664 | 29,100 |
| Shareholders' equity | 3,437 | 2,465 | 2,944 | 3,310 | 3,791 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 598 | 559 | 489 | 578 | 645 |
| Capital expenditure | 56.7 | 65.2 | 88.1 | 46.1 | 52.7 |
| Free cash flow | 541 | 494 | 401 | 532 | 592 |
| Depreciation & amortisation | 44.9 | 46.9 | 49.5 | 54.1 | 56.5 |
| Stock-based compensation | 15.4 | 17.0 | 17.1 | 17.0 | 17.3 |
| Acquisitions | 0.0 | 0.0 | 6.4 | 0.0 | 0.0 |
| Share buybacks | 129 | 187 | 76.4 | 170 | 208 |
| Dividends paid | 123 | 127 | 135 | 145 | 150 |
| Dividend per share | 0.91 | 0.92 | 0.93 | 0.98 | 1.05 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −10.5% | −5.7% | 11.8% | 9.5% |
| Return on equityBlank when equity is negative | 15.4% | 19.8% | 16.2% | 15.9% | 14.9% |
| Cash conversion (CFO ÷ net income) | 1.13x | 1.15x | 1.02x | 1.10x | 1.14x |
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.