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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $302M. It held more cash than debt (net cash $1.2B).
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 489 | 943 | 879 | 822 | 825 |
| Interest expense | 17.3 | 78.9 | 401 | 481 | 353 |
| Pre-tax income | 248 | 257 | 337 | 295 | 392 |
| Income tax | 55.7 | 54.9 | 79.3 | 68.5 | 89.6 |
| Net income | 192 | 202 | 258 | 226 | 302 |
| Diluted EPS | 3.11 | 1.96 | 2.48 | 2.19 | 2.94 |
| Diluted shares | 61.7 | 103 | 104 | 103 | 103 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 2,345 | 871 | 578 | 897 | 1,310 |
| Net PP&E | 300 | 445 | 444 | 427 | 407 |
| Goodwill | 622 | 1,101 | 1,101 | 1,101 | 1,101 |
| Total assets | 19,672 | 32,288 | 30,671 | 29,137 | 26,641 |
| Long-term debt | 98.7 | 98.9 | 99.0 | 132 | 146 |
| DepositsBanks | 16,270 | 25,074 | 23,323 | 23,016 | 22,088 |
| Total liabilities | 17,685 | 29,214 | 27,444 | 25,833 | 23,194 |
| Shareholders' equity | 1,987 | 3,074 | 3,228 | 3,304 | 3,447 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 282 | 534 | 428 | 355 | 306 |
| Depreciation & amortisation | 44.4 | 55.5 | 53.8 | 57.0 | 50.8 |
| Stock-based compensation | 8.9 | 9.6 | 4.7 | 11.8 | 13.3 |
| Acquisitions | 0.0 | – | – | – | – |
| Share buybacks | 5.4 | 199 | 34.0 | 1.2 | 122 |
| Dividends paid | 102 | 182 | 195 | 196 | 194 |
| Dividend per share | 1.64 | 1.70 | 1.88 | 1.88 | 1.88 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −37.0% | 26.5% | −11.7% | 34.2% |
| Return on equityBlank when equity is negative | 9.7% | 6.6% | 8.0% | 6.8% | 8.8% |
| Cash conversion (CFO ÷ net income) | 1.47x | 2.64x | 1.66x | 1.57x | 1.01x |
| Debt ÷ equity | 0.05x | 0.03x | 0.03x | 0.04x | 0.04x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −2,246 | −772 | −479 | −764 | −1,163 |
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.