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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $254M. Operating cash flow of $299M less capital expenditure of $13M left free cash flow of $286M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 370 | 401 | 384 | 427 | 501 |
| Interest expense | 6.0 | 31.4 | 144 | 202 | 202 |
| Pre-tax income | 272 | 281 | 243 | 272 | 310 |
| Income tax | 44.4 | 46.4 | 44.3 | 48.3 | 56.0 |
| Net income | 228 | 234 | 199 | 224 | 254 |
| Diluted EPS | 1.59 | 1.64 | 1.39 | 1.56 | 1.77 |
| Diluted shares | 143 | 143 | 143 | 143 | 143 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 529 | 331 | 537 | 763 | 1,078 |
| Net PP&E | 150 | 153 | 152 | 152 | 150 |
| Goodwill | 313 | 313 | 313 | 313 | 313 |
| Total assets | 13,102 | 12,974 | 13,106 | 13,979 | 15,446 |
| Payables | 0.0 | – | – | – | – |
| Short-term debt | 671 | 23.7 | 22.2 | 136 | 21.7 |
| DepositsBanks | 10,566 | 11,006 | 11,138 | 12,099 | 13,346 |
| Total liabilities | 11,343 | 11,708 | 11,607 | 12,373 | 13,529 |
| Shareholders' equity | 1,759 | 1,266 | 1,499 | 1,607 | 1,917 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 355 | 324 | 285 | 310 | 299 |
| Capital expenditure | 19.2 | 15.8 | 17.3 | 16.7 | 13.4 |
| Free cash flow | 336 | 308 | 268 | 293 | 286 |
| Depreciation & amortisation | 13.1 | 12.8 | 12.6 | 13.4 | 13.7 |
| Stock-based compensation | 3.2 | 4.0 | 4.3 | 4.9 | 6.9 |
| Dividends paid | 79.7 | 91.3 | 100.0 | 103 | 106 |
| Dividend per share | 0.58 | 0.66 | 0.71 | 0.72 | 0.75 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 3.1% | −15.2% | 12.2% | 13.5% |
| Return on equityBlank when equity is negative | 12.9% | 18.5% | 13.3% | 13.9% | 13.2% |
| Cash conversion (CFO ÷ net income) | 1.56x | 1.38x | 1.43x | 1.39x | 1.18x |
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.