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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $166M. Operating cash flow of −$39M less capital expenditure of $17M left free cash flow of −$56M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 423 | 459 | 467 | 418 | 441 |
| Interest expense | 107 | 132 | 372 | 419 | 343 |
| Pre-tax income | 504 | 156 | 149 | 154 | 221 |
| Income tax | 118 | 36.8 | 31.1 | 31.0 | 49.0 |
| Net income | 374 | 113 | 110 | 113 | 166 |
| Diluted EPS | 4.61 | 1.60 | 1.69 | 1.74 | 2.64 |
| Diluted shares | 81.2 | 70.6 | 65.0 | 65.0 | 62.7 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 3,045 | 1,648 | 1,917 | 2,371 | 1,253 |
| Net PP&E | 204 | 185 | 169 | 148 | 133 |
| Goodwill | 267 | 267 | 267 | 267 | 267 |
| Total assets | 18,689 | 16,259 | 16,467 | 16,268 | 15,845 |
| Short-term debt | 859 | 970 | 900 | 834 | 677 |
| DepositsBanks | 12,818 | 11,316 | 11,063 | 11,065 | 10,878 |
| Total liabilities | 16,140 | 14,196 | 14,317 | 14,050 | 13,647 |
| Shareholders' equity | 2,523 | 2,037 | 2,123 | 2,190 | 2,168 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 766 | 1,189 | 443 | 274 | −38.7 |
| Capital expenditure | 24.8 | 9.8 | 8.5 | 7.1 | 16.8 |
| Free cash flow | 741 | 1,180 | 435 | 267 | −55.5 |
| Depreciation & amortisation | 28.4 | 26.8 | 23.3 | 22.7 | 18.1 |
| Stock-based compensation | 17.5 | 15.6 | 15.5 | 10.7 | – |
| Share buybacks | 124 | 442 | 5.1 | 19.9 | 184 |
| Dividends paid | 39.0 | 43.0 | 41.6 | 44.3 | 45.4 |
| Dividend per share | 0.48 | 0.60 | 0.64 | 0.68 | 0.72 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −65.3% | 5.6% | 3.0% | 51.7% |
| Return on equityBlank when equity is negative | 14.8% | 5.6% | 5.2% | 5.2% | 7.6% |
| Cash conversion (CFO ÷ net income) | 2.04x | 10.5x | 4.04x | 2.42x | −0.23x |
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.