Loading financials from SEC filings…
Banks · Financial Services · Fiscal year ends Dec 31
Net income was $412M. Operating cash flow of $491M less capital expenditure of $18M left free cash flow of $473M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 371 | 488 | 664 | 657 | 672 |
| Interest expense | 26.8 | 38.2 | 137 | 209 | 214 |
| Pre-tax income | 322 | 383 | 524 | 509 | 520 |
| Income tax | 68.4 | 82.4 | 112 | 99.6 | 108 |
| Net income | 254 | 300 | 412 | 409 | 412 |
| Diluted EPS | 4.00 | 4.78 | 6.62 | 6.57 | 6.62 |
| Diluted shares | 63.5 | 62.8 | 62.2 | 62.3 | 62.3 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 3,209 | 2,088 | 651 | 353 | 536 |
| Net PP&E | 447 | 432 | 437 | 428 | 423 |
| Goodwill | 283 | 283 | 283 | 283 | 283 |
| Total assets | 16,046 | 15,501 | 15,066 | 15,739 | 16,576 |
| DepositsBanks | 12,618 | 12,660 | 11,825 | 12,112 | 12,437 |
| Total liabilities | 13,738 | 13,457 | 12,618 | 12,942 | 13,325 |
| Shareholders' equity | 2,308 | 2,045 | 2,448 | 2,797 | 3,252 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 292 | 388 | 474 | 474 | 491 |
| Capital expenditure | 10.4 | 19.2 | 27.5 | 14.1 | 18.1 |
| Free cash flow | 281 | 369 | 447 | 460 | 473 |
| Stock-based compensation | 0.5 | 0.4 | 0.3 | 0.2 | 0.1 |
| Share buybacks | 0.7 | 52.0 | 4.6 | 1.0 | 4.6 |
| Dividends paid | 72.8 | 75.4 | 78.2 | 82.1 | 87.1 |
| Dividend per share | 1.15 | 1.20 | 1.26 | 1.32 | 1.40 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 19.5% | 38.5% | −0.8% | 0.8% |
| Return on equityBlank when equity is negative | 11.0% | 14.7% | 16.8% | 14.6% | 12.7% |
| Cash conversion (CFO ÷ net income) | 1.15x | 1.29x | 1.15x | 1.16x | 1.19x |
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.