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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $226M. Net debt was $916M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 411 | 520 | 545 | 521 | 536 |
| Interest expense | 36.0 | 84.8 | 348 | 427 | 389 |
| Pre-tax income | 241 | 256 | 259 | 232 | 259 |
| Income tax | 35.3 | 33.6 | 35.4 | 30.3 | 33.1 |
| Net income | 206 | 222 | 224 | 201 | 226 |
| Diluted EPS | 3.81 | 3.81 | 3.73 | 3.41 | 3.88 |
| Diluted shares | 54.0 | 58.0 | 59.5 | 58.5 | 57.7 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 167 | 123 | 113 | 87.6 | 84.2 |
| Net PP&E | 106 | 117 | 134 | 130 | 121 |
| Goodwill | 545 | 712 | 712 | 712 | 712 |
| Total assets | 15,453 | 18,002 | 18,406 | 18,312 | 19,025 |
| Long-term debt | 634 | 1,314 | 1,029 | 1,158 | 1,000 |
| DepositsBanks | 12,733 | 14,383 | 14,821 | 14,522 | 15,295 |
| Total liabilities | 13,541 | 15,967 | 16,158 | 16,007 | 16,558 |
| Shareholders' equity | 1,913 | 2,035 | 2,248 | 2,305 | 2,467 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 215 | 284 | 259 | 266 | 284 |
| Depreciation & amortisation | 10.7 | 11.8 | 11.7 | 26.8 | 29.4 |
| Stock-based compensation | 4.8 | 4.7 | 5.2 | 5.8 | 7.3 |
| Share buybacks | 25.4 | 0.0 | 0.0 | 56.2 | 46.9 |
| Dividends paid | 61.2 | 72.7 | 80.1 | 81.6 | 82.9 |
| Dividend per share | 1.13 | 1.25 | 1.34 | 1.39 | 1.43 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 0.0% | −2.1% | −8.6% | 13.8% |
| Return on equityBlank when equity is negative | 10.7% | 10.9% | 10.0% | 8.7% | 9.2% |
| Cash conversion (CFO ÷ net income) | 1.05x | 1.28x | 1.16x | 1.32x | 1.26x |
| Debt ÷ equity | 0.33x | 0.65x | 0.46x | 0.50x | 0.41x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 467 | 1,191 | 916 | 1,071 | 916 |
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.