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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $209M. Operating cash flow of $221M less capital expenditure of $4M left free cash flow of $217M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating income | – | 0.3 | 314 | 314 | 314 |
| Net interest incomeBanks | 415 | 506 | 488 | 447 | 460 |
| Interest expense | 6.1 | 9.2 | 118 | 183 | 133 |
| Pre-tax income | 298 | 328 | 315 | 271 | 282 |
| Income tax | 85.1 | 92.9 | 94.0 | 70.5 | 72.4 |
| Net income | 213 | 235 | 221 | 201 | 209 |
| Diluted EPS | 1.56 | 1.67 | 1.59 | 1.44 | 1.52 |
| Diluted shares | 135 | 140 | 138 | 139 | 137 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,733 | 203 | 281 | 205 | 376 |
| Net PP&E | 49.1 | 46.7 | 44.7 | 27.5 | 26.5 |
| Goodwill | 664 | 766 | 766 | 766 | 766 |
| Total assets | 15,884 | 16,477 | 16,021 | 15,154 | 15,631 |
| Short-term debt | 2.3 | 995 | 995 | – | – |
| DepositsBanks | 12,976 | 12,836 | 11,434 | 11,948 | 12,072 |
| Total liabilities | 13,802 | 14,528 | 13,943 | 12,967 | 13,336 |
| Shareholders' equity | 2,082 | 1,949 | 2,078 | 2,186 | 2,295 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 195 | 274 | 296 | 250 | 221 |
| Capital expenditure | 4.7 | 5.4 | 4.5 | 5.1 | 4.1 |
| Free cash flow | 191 | 268 | 291 | 245 | 217 |
| Depreciation & amortisation | 6.4 | 6.9 | 6.6 | 5.9 | 4.7 |
| Stock-based compensation | 5.2 | 7.9 | 9.4 | 10.2 | 6.2 |
| Acquisitions | 0.0 | −329 | 0.0 | 0.0 | – |
| Share buybacks | 8.3 | 46.3 | 21.2 | 2.8 | 81.1 |
| Dividends paid | 97.7 | 104 | 112 | 112 | 111 |
| Dividend per share | 0.72 | 0.77 | 0.80 | 0.80 | 0.80 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating income growth (YoY) | – | – | 104566.7% | 0.0% | 0.0% |
| EPS growth (YoY) | – | 7.1% | −4.8% | −9.4% | 5.6% |
| Return on equityBlank when equity is negative | 10.2% | 12.1% | 10.7% | 9.2% | 9.1% |
| Cash conversion (CFO ÷ net income) | 0.92x | 1.16x | 1.34x | 1.24x | 1.06x |
| Interest cover | – | 0.03x | 2.65x | 1.72x | 2.36x |
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.