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Banks · Financial Services · Fiscal year ends Dec 31
Net income was −$177M. Net debt was $6.2B.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 23.0 | 27.0 | – | – | – |
| Selling, general & admin | 127 | 158 | – | – | – |
| Net interest incomeBanks | 1,289 | 1,396 | 3,077 | 2,152 | 1,721 |
| Interest expense | 400 | 696 | 2,414 | 3,801 | 2,745 |
| Pre-tax income | 806 | 826 | −50.0 | −1,378 | −198 |
| Income tax | 210 | 176 | 29.0 | −260 | −21.0 |
| Net income | 596 | 650 | −79.0 | −1,118 | −177 |
| Diluted EPS | 1.20 | 3.77 | −0.49 | −3.49 | −0.50 |
| Diluted shares | 465 | 162 | 238 | 331 | 415 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 2,211 | 2,032 | 11,475 | 15,430 | 5,977 |
| Net PP&E | 270 | 491 | 652 | 562 | 477 |
| Goodwill | 2,426 | 2,426 | 0.0 | 0.0 | – |
| Total assets | 59,527 | 90,144 | 114,057 | 100,160 | 87,512 |
| Short-term debt | – | – | – | 2,750 | 4,000 |
| Long-term debt | 16,562 | 21,332 | 21,267 | 11,676 | 8,184 |
| DepositsBanks | 35,059 | 58,721 | 81,526 | 75,870 | 66,000 |
| Total liabilities | 52,483 | 81,320 | 105,690 | 91,992 | 79,368 |
| Shareholders' equity | 7,044 | 8,824 | 8,367 | 8,167 | 8,143 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 290 | 1,026 | 263 | 86.0 | −181 |
| Depreciation & amortisation | 21.0 | 18.0 | 165 | 184 | 148 |
| Stock-based compensation | 31.0 | 29.0 | 47.0 | 54.0 | 61.0 |
| Share buybacks | 0.0 | 7.0 | 0.0 | 0.0 | – |
| Dividends paid | 316 | 317 | 486 | 53.0 | 15.0 |
| Dividend per share | 0.68 | 2.04 | 2.04 | 0.20 | 0.04 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | 17.4% | – | – | – |
| EPS growth (YoY) | – | 214.2% | −113.0% | – | – |
| Net margin | 2591.3% | 2407.4% | – | – | – |
| Return on equityBlank when equity is negative | 8.5% | 7.4% | −0.9% | −13.7% | −2.2% |
| Cash conversion (CFO ÷ net income) | 0.49x | 1.58x | −3.33x | −0.08x | 1.02x |
| Debt ÷ equity | 2.35x | 2.42x | 2.54x | 1.77x | 1.50x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 14,351 | 19,300 | 9,792 | −1,004 | 6,207 |
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.