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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $475M. Operating cash flow of $399M less capital expenditure of $22M left free cash flow of $377M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 573 | 759 | 827 | 849 | 892 |
| Interest expense | 52.2 | 119 | 348 | 451 | 386 |
| Pre-tax income | 417 | 395 | 512 | 522 | 612 |
| Income tax | 97.8 | 89.3 | 119 | 120 | 136 |
| Net income | 319 | 305 | 393 | 402 | 475 |
| Diluted EPS | 1.94 | 1.57 | 1.94 | 2.01 | 2.41 |
| Diluted shares | 165 | 195 | 203 | 200 | 198 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 3,650 | 725 | 1,000 | 910 | 667 |
| Net PP&E | 276 | 405 | 393 | 386 | 369 |
| Goodwill | 973 | 1,398 | 1,398 | 1,398 | 1,398 |
| Total assets | 18,052 | 22,884 | 22,657 | 22,491 | 22,882 |
| DepositsBanks | 14,261 | 17,939 | 16,788 | 17,146 | 17,480 |
| Total liabilities | 15,286 | 19,357 | 18,866 | 18,530 | 18,585 |
| Shareholders' equity | 2,766 | 3,526 | 3,791 | 3,961 | 4,297 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 389 | 413 | 380 | 461 | 399 |
| Capital expenditure | 10.3 | 19.6 | 22.5 | 38.5 | 22.3 |
| Free cash flow | 379 | 394 | 357 | 422 | 377 |
| Depreciation & amortisation | – | 31.9 | 30.9 | 29.2 | 29.2 |
| Stock-based compensation | 8.8 | 9.1 | 9.3 | 9.2 | 10.7 |
| Acquisitions | 0.0 | −859 | 0.0 | 0.0 | – |
| Share buybacks | 44.5 | 70.9 | 48.8 | 86.5 | 82.2 |
| Dividends paid | 92.1 | 128 | 146 | 150 | 159 |
| Dividend per share | 0.56 | 0.66 | 0.72 | 0.75 | 0.81 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −19.1% | 23.6% | 3.6% | 19.9% |
| Return on equityBlank when equity is negative | 11.5% | 8.7% | 10.4% | 10.2% | 11.1% |
| Cash conversion (CFO ÷ net income) | 1.22x | 1.35x | 0.97x | 1.15x | 0.84x |
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.