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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $224M. Operating cash flow of $495M less capital expenditure of $14M left free cash flow of $481M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 685 | 624 | 687 | 654 | 750 |
| Interest expense | 95.8 | 262 | 680 | 673 | 609 |
| Pre-tax income | 441 | 291 | 331 | 224 | 288 |
| Income tax | 86.9 | 63.3 | 80.6 | 42.9 | 64.3 |
| Net income | 315 | 228 | 250 | 181 | 224 |
| Diluted EPS | 8.91 | 6.51 | 7.32 | 5.09 | 6.26 |
| Diluted shares | 33.7 | 33.5 | 32.2 | 32.7 | 33.4 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 518 | 456 | 3,846 | 3,786 | 4,411 |
| Net PP&E | 8.9 | 9.0 | 7.4 | 6.7 | 16.7 |
| Total assets | 19,575 | 20,896 | 21,316 | 22,308 | 24,896 |
| Short-term debt | 775 | 300 | 0.0 | 100 | 0.0 |
| Long-term debt | 0.0 | – | – | – | – |
| DepositsBanks | 16,778 | 18,157 | 17,920 | 18,846 | 20,779 |
| Total liabilities | 18,209 | 19,493 | 19,678 | 20,472 | 22,780 |
| Shareholders' equity | 1,366 | 1,403 | 1,638 | 1,837 | 2,116 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 296 | −20.8 | 125 | 145 | 495 |
| Capital expenditure | 0.6 | 4.0 | 0.6 | 1.5 | 13.7 |
| Free cash flow | 295 | −24.9 | 124 | 144 | 481 |
| Depreciation & amortisation | 21.7 | 27.2 | 31.8 | 33.6 | 41.8 |
| Stock-based compensation | 13.9 | 14.2 | 12.6 | 14.4 | 18.5 |
| Share buybacks | 27.7 | 33.2 | 39.8 | 19.2 | 5.6 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −26.9% | 12.4% | −30.5% | 23.0% |
| Return on equityBlank when equity is negative | 23.0% | 16.3% | 15.3% | 9.9% | 10.6% |
| Cash conversion (CFO ÷ net income) | 0.94x | −0.09x | 0.50x | 0.80x | 2.21x |
| Debt ÷ equity | 0.57x | – | – | – | – |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 257 | – | – | – | – |
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.