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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $201M. Operating cash flow of $194M less capital expenditure of $12M left free cash flow of $182M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 360 | 474 | 563 | 568 | 627 |
| Interest expense | 23.0 | 41.2 | 202 | 283 | 262 |
| Pre-tax income | 169 | 259 | 247 | 231 | 284 |
| Income tax | 35.6 | 56.4 | 52.5 | 46.0 | 82.3 |
| Net income | 133 | 203 | 194 | 185 | 201 |
| Diluted EPS | 3.86 | 5.31 | 5.07 | 4.83 | 5.31 |
| Diluted shares | 34.5 | 37.5 | 37.5 | 37.6 | 37.2 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 2,022 | 291 | 433 | 764 | 682 |
| Net PP&E | 47.9 | 43.0 | 42.7 | 45.0 | 59.0 |
| Goodwill | 365 | 365 | 365 | 365 | 417 |
| Total assets | 13,537 | 13,054 | 14,519 | 15,596 | 17,301 |
| DepositsBanks | 11,344 | 10,829 | 12,176 | 13,146 | 14,609 |
| Total liabilities | 12,008 | 11,532 | 12,803 | 13,772 | 15,261 |
| Shareholders' equity | 1,529 | 1,522 | 1,716 | 1,824 | 2,039 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 161 | 217 | 268 | 247 | 194 |
| Capital expenditure | 2.5 | 1.9 | 6.6 | 7.5 | 12.0 |
| Free cash flow | 158 | 215 | 262 | 240 | 182 |
| Depreciation & amortisation | 6.1 | 5.6 | 5.1 | 5.1 | 6.8 |
| Stock-based compensation | 6.0 | 8.0 | 10.1 | 10.9 | 13.5 |
| Acquisitions | −213 | 0.0 | 0.0 | – | – |
| Share buybacks | 60.6 | 32.9 | 0.0 | 29.6 | 14.1 |
| Dividends paid | 26.2 | 33.6 | 37.4 | 39.6 | 45.1 |
| Dividend per share | 0.75 | 0.90 | 1.00 | 1.06 | 1.22 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 37.6% | −4.5% | −4.7% | 9.9% |
| Return on equityBlank when equity is negative | 8.7% | 13.3% | 11.3% | 10.2% | 9.9% |
| Cash conversion (CFO ÷ net income) | 1.21x | 1.07x | 1.38x | 1.34x | 0.96x |
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.