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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $256M. Operating cash flow of $338M less capital expenditure of $21M left free cash flow of $317M. Net debt was $1B.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 452 | 519 | 628 | 612 | 642 |
| Interest expense | 31.1 | 65.9 | 275 | 390 | 360 |
| Pre-tax income | 241 | 242 | 319 | 268 | 321 |
| Income tax | 35.8 | 24.1 | 62.7 | 39.5 | 65.7 |
| Net income | 205 | 218 | 256 | 229 | 256 |
| Diluted EPS | 2.14 | 2.30 | 2.69 | 2.40 | 2.66 |
| Diluted shares | 95.9 | 94.6 | 95.1 | 95.4 | 96.2 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 220 | 208 | 213 | 174 | 179 |
| Net PP&E | 193 | 189 | 195 | 198 | 205 |
| Goodwill | 1,001 | 1,002 | 1,006 | 1,008 | 1,100 |
| Total assets | 16,329 | 17,003 | 17,533 | 18,570 | 21,129 |
| Short-term debt | 296 | 1,287 | 938 | 755 | 675 |
| Long-term debt | 410 | 347 | 344 | 348 | 514 |
| DepositsBanks | 12,872 | 12,701 | 13,361 | 14,329 | 16,422 |
| Total liabilities | 14,070 | 14,962 | 15,265 | 16,132 | 18,360 |
| Shareholders' equity | 2,259 | 2,041 | 2,268 | 2,438 | 2,769 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 388 | 201 | 487 | 262 | 338 |
| Capital expenditure | 15.3 | 13.8 | 24.1 | 21.1 | 20.8 |
| Free cash flow | 373 | 187 | 463 | 241 | 317 |
| Depreciation & amortisation | 32.1 | 31.2 | 30.0 | 30.3 | 31.8 |
| Stock-based compensation | 9.6 | 13.4 | 14.9 | 15.7 | 15.6 |
| Acquisitions | 109 | 0.0 | 3.5 | 96.9 | 187 |
| Share buybacks | 108 | 0.0 | 0.0 | – | – |
| Dividends paid | 87.3 | 86.6 | 87.2 | 89.5 | 94.6 |
| Dividend per share | 0.92 | 0.92 | 0.92 | 0.94 | 0.98 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 7.5% | 17.0% | −10.8% | 10.8% |
| Return on equityBlank when equity is negative | 9.1% | 10.7% | 11.3% | 9.4% | 9.2% |
| Cash conversion (CFO ÷ net income) | 1.89x | 0.92x | 1.90x | 1.15x | 1.32x |
| Debt ÷ equity | 0.31x | 0.80x | 0.57x | 0.45x | 0.43x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 486 | 1,426 | 1,069 | 929 | 1,011 |
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.