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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $565M. Operating cash flow of $482M less capital expenditure of $106M left free cash flow of $376M. Net debt was $1.4B.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 907 | 1,120 | 1,317 | 1,280 | 1,396 |
| Interest expense | 98.0 | 165 | 656 | 972 | 930 |
| Pre-tax income | 503 | 553 | 584 | 555 | 669 |
| Income tax | 98.0 | 114 | 99.0 | 90.0 | 104 |
| Net income | 405 | 439 | 485 | 465 | 565 |
| Diluted EPS | 1.23 | 1.22 | 1.31 | 1.27 | 1.56 |
| Diluted shares | 323 | 354 | 363 | 363 | 362 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 3,493 | 1,674 | 1,576 | 2,419 | 2,498 |
| Net PP&E | 345 | 432 | 461 | 536 | 568 |
| Goodwill | 2,262 | 2,477 | 2,477 | 2,478 | 2,480 |
| Total assets | 39,513 | 43,725 | 46,158 | 48,625 | 50,229 |
| Short-term debt | 1,536 | 1,372 | 2,506 | 1,256 | 2,017 |
| Long-term debt | 682 | 1,093 | 1,971 | 3,012 | 1,901 |
| DepositsBanks | 31,726 | 34,770 | 34,711 | 37,107 | 38,759 |
| Total liabilities | 34,363 | 38,072 | 40,108 | 42,323 | 43,470 |
| Shareholders' equity | 5,150 | 5,653 | 6,050 | 6,302 | 6,759 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 530 | 1,218 | 423 | 642 | 482 |
| Capital expenditure | 58.0 | 95.0 | 88.0 | 139 | 106 |
| Free cash flow | 472 | 1,123 | 335 | 503 | 376 |
| Depreciation & amortisation | 10.0 | 73.0 | 78.0 | 67.0 | 77.0 |
| Share buybacks | 43.0 | 43.0 | 36.0 | 3.0 | 50.0 |
| Dividends paid | 156 | 171 | 174 | 175 | 174 |
| Dividend per share | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −0.8% | 7.4% | −3.1% | 22.8% |
| Return on equityBlank when equity is negative | 7.9% | 7.8% | 8.0% | 7.4% | 8.4% |
| Cash conversion (CFO ÷ net income) | 1.31x | 2.77x | 0.87x | 1.38x | 0.85x |
| Debt ÷ equity | 0.43x | 0.44x | 0.74x | 0.68x | 0.58x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −1,275 | 791 | 2,901 | 1,849 | 1,420 |
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.