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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $152M. Operating cash flow of $188M less capital expenditure of $16M left free cash flow of $171M. Net debt was $229M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 279 | 312 | 386 | 379 | 426 |
| Interest expense | 15.3 | 17.7 | 144 | 222 | 207 |
| Pre-tax income | 173 | 160 | 198 | 178 | 191 |
| Income tax | 34.6 | 32.0 | 40.5 | 35.6 | 39.1 |
| Net income | 138 | 128 | 157 | 143 | 152 |
| Diluted EPS | 1.44 | 1.37 | 1.54 | 1.39 | 1.47 |
| Diluted shares | 95.8 | 93.9 | 102 | 102 | 104 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 395 | 154 | 147 | 133 | 180 |
| Net PP&E | 121 | 115 | 121 | 116 | 114 |
| Goodwill | 303 | 303 | 364 | 364 | 378 |
| Total assets | 9,545 | 9,806 | 11,459 | 11,585 | 12,343 |
| Short-term debt | 138 | 373 | 598 | 80.1 | 148 |
| Long-term debt | 182 | 181 | 187 | 263 | 262 |
| DepositsBanks | 7,982 | 8,005 | 9,192 | 9,678 | 10,251 |
| Total liabilities | 8,436 | 8,754 | 10,145 | 10,180 | 10,789 |
| Shareholders' equity | 1,109 | 1,052 | 1,314 | 1,405 | 1,554 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 165 | 151 | 151 | 129 | 188 |
| Capital expenditure | 10.6 | 11.2 | 22.0 | 15.5 | 16.1 |
| Free cash flow | 154 | 140 | 129 | 114 | 171 |
| Depreciation & amortisation | 11.4 | 10.6 | 4.1 | 5.7 | 6.6 |
| Acquisitions | 0.0 | 0.0 | −14.5 | 0.0 | −4.7 |
| Share buybacks | 31.3 | 15.6 | 15.0 | 12.6 | 35.8 |
| Dividends paid | 43.6 | 44.6 | 50.8 | 52.6 | 55.5 |
| Dividend per share | 0.46 | 0.47 | 0.49 | 0.52 | 0.54 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −4.9% | 12.4% | −9.7% | 5.8% |
| Return on equityBlank when equity is negative | 12.5% | 12.2% | 12.0% | 10.1% | 9.8% |
| Cash conversion (CFO ÷ net income) | 1.19x | 1.18x | 0.96x | 0.91x | 1.23x |
| Debt ÷ equity | 0.29x | 0.53x | 0.60x | 0.24x | 0.26x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −74.8 | 400 | 638 | 210 | 229 |
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.