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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $486M. Operating cash flow of $542M less capital expenditure of $19M left free cash flow of $523M. Net debt was $654M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 933 | 1,050 | 1,098 | 1,082 | 1,109 |
| Interest expense | 49.0 | 87.1 | 523 | 611 | 506 |
| Pre-tax income | 568 | 659 | 490 | 574 | 612 |
| Income tax | 105 | 135 | 97.5 | 113 | 126 |
| Net income | 463 | 524 | 393 | 461 | 486 |
| Diluted EPS | 5.22 | 5.98 | 4.50 | 5.28 | 5.67 |
| Diluted shares | 87.0 | 86.4 | 86.4 | 86.6 | 85.4 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 401 | 564 | 561 | 575 | 563 |
| Net PP&E | 350 | 329 | 302 | 280 | 261 |
| Goodwill | 855 | 855 | 855 | 855 | 925 |
| Total assets | 36,531 | 35,184 | 35,579 | 35,082 | 35,473 |
| Short-term debt | 1,665 | 1,871 | 1,155 | 639 | 1,017 |
| Long-term debt | 244 | 242 | 236 | 211 | 199 |
| DepositsBanks | 30,466 | 29,070 | 29,690 | 29,493 | 29,280 |
| Total liabilities | 32,861 | 31,841 | 31,775 | 30,954 | 31,013 |
| Shareholders' equity | 3,670 | 3,343 | 3,804 | 4,128 | 4,460 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 586 | 842 | 495 | 626 | 542 |
| Capital expenditure | 23.5 | 29.1 | 25.0 | 10.2 | 18.7 |
| Free cash flow | 562 | 813 | 470 | 616 | 523 |
| Depreciation & amortisation | 29.1 | 31.6 | 34.7 | 32.3 | 27.3 |
| Stock-based compensation | 22.4 | 23.5 | 24.7 | 22.7 | 24.4 |
| Acquisitions | – | – | – | – | 112 |
| Share buybacks | 21.8 | 58.9 | 0.0 | 37.7 | 247 |
| Dividends paid | 95.9 | 94.5 | 105 | 131 | 154 |
| Dividend per share | 1.08 | 1.08 | 1.20 | 1.50 | 1.80 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 14.6% | −24.7% | 17.3% | 7.4% |
| Return on equityBlank when equity is negative | 12.6% | 15.7% | 10.3% | 11.2% | 10.9% |
| Cash conversion (CFO ÷ net income) | 1.26x | 1.61x | 1.26x | 1.36x | 1.11x |
| Debt ÷ equity | 0.52x | 0.63x | 0.37x | 0.21x | 0.27x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 1,508 | 1,549 | 830 | 275 | 654 |
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.