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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $205M. Operating cash flow of $251M less capital expenditure of $12M left free cash flow of $239M. It held more cash than debt (net cash $413M).
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 402 | 613 | 607 | 562 | 709 |
| Interest expense | 13.7 | 29.6 | 189 | 291 | 314 |
| Pre-tax income | 157 | 348 | 315 | 247 | 262 |
| Income tax | 35.7 | 83.9 | 75.6 | 55.0 | 57.0 |
| Net income | 121 | 264 | 240 | 192 | 205 |
| Diluted EPS | 3.47 | 5.69 | 5.42 | 4.52 | 4.44 |
| Diluted shares | 34.9 | 46.4 | 44.2 | 42.5 | 46.2 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 2,241 | 353 | 224 | 220 | 772 |
| Net PP&E | 196 | 197 | 193 | 193 | 218 |
| Goodwill | 985 | 985 | 985 | 985 | 1,091 |
| Total assets | 20,423 | 19,294 | 19,347 | 19,374 | 24,913 |
| Long-term debt | 127 | 113 | 113 | 62.9 | 359 |
| DepositsBanks | 16,917 | 15,879 | 14,866 | 15,306 | 20,127 |
| Total liabilities | 17,405 | 16,407 | 16,452 | 16,380 | 21,347 |
| Shareholders' equity | 3,018 | 2,887 | 2,895 | 2,993 | 3,566 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 190 | 421 | 277 | 230 | 251 |
| Capital expenditure | 25.2 | 22.1 | 15.8 | 20.4 | 12.1 |
| Free cash flow | 165 | 399 | 261 | 209 | 239 |
| Depreciation & amortisation | 32.8 | 38.8 | 36.1 | 40.9 | 42.1 |
| Stock-based compensation | 4.3 | 4.5 | 6.4 | 6.5 | 9.0 |
| Share buybacks | 0.0 | 140 | 189 | 31.0 | 60.8 |
| Dividends paid | 62.7 | 93.7 | 98.0 | 96.2 | 104 |
| Dividend per share | – | 2.08 | 2.20 | 2.28 | 2.36 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 64.0% | −4.7% | −16.6% | −1.8% |
| Return on equityBlank when equity is negative | 4.0% | 9.1% | 8.3% | 6.4% | 5.8% |
| Cash conversion (CFO ÷ net income) | 1.57x | 1.60x | 1.16x | 1.20x | 1.22x |
| Debt ÷ equity | 0.04x | 0.04x | 0.04x | 0.02x | 0.10x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −2,114 | −240 | −111 | −157 | −413 |
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.