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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $123M. Operating cash flow of $156M less capital expenditure of $9M left free cash flow of $147M. It held more cash than debt (net cash $943M).
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 347 | 412 | 407 | 417 | 516 |
| Interest expense | 37.6 | 69.2 | 271 | 309 | 318 |
| Pre-tax income | 243 | 160 | 150 | 147 | 139 |
| Income tax | 52.8 | 35.0 | 30.1 | 30.6 | 15.9 |
| Net income | 190 | 125 | 120 | 116 | 123 |
| Diluted EPS | 3.97 | 2.64 | 2.57 | 2.48 | 2.45 |
| Diluted shares | 48.0 | 47.2 | 46.8 | 46.9 | 50.1 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,798 | 1,027 | 811 | 1,042 | 1,156 |
| Net PP&E | 144 | 146 | 156 | 149 | 182 |
| Goodwill | 243 | 243 | 243 | 243 | 350 |
| Total assets | 12,598 | 12,848 | 12,604 | 13,157 | 16,300 |
| Long-term debt | 172 | 416 | 391 | 177 | 213 |
| DepositsBanks | 10,837 | 10,856 | 10,548 | 11,210 | 13,910 |
| Total liabilities | 11,165 | 11,522 | 11,150 | 11,590 | 14,352 |
| Shareholders' equity | 1,433 | 1,325 | 1,455 | 1,568 | 1,948 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 54.9 | 800 | 211 | 139 | 156 |
| Capital expenditure | 6.1 | 10.6 | 20.2 | 6.5 | 8.8 |
| Free cash flow | 48.8 | 789 | 191 | 132 | 147 |
| Depreciation & amortisation | 8.4 | 8.0 | 11.2 | 12.0 | 12.1 |
| Stock-based compensation | 10.3 | 9.9 | 10.4 | 9.5 | 17.3 |
| Share buybacks | 7.6 | 40.0 | 4.9 | 12.7 | 156 |
| Dividends paid | 20.9 | 24.5 | 28.1 | 31.8 | 37.9 |
| Dividend per share | 0.44 | 0.52 | 0.60 | 0.68 | 0.76 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −33.5% | −2.7% | −3.5% | −1.2% |
| Return on equityBlank when equity is negative | 13.3% | 9.4% | 8.3% | 7.4% | 6.3% |
| Cash conversion (CFO ÷ net income) | 0.29x | 6.42x | 1.76x | 1.20x | 1.27x |
| Debt ÷ equity | 0.12x | 0.31x | 0.27x | 0.11x | 0.11x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −1,626 | −611 | −420 | −866 | −943 |
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.