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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $219M. Operating cash flow of −$341M less capital expenditure of $21M left free cash flow of −$362M. Net debt was $3.6B.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 278 | 319 | 448 | 523 | 517 |
| Interest expense | 33.9 | 162 | 630 | 780 | 684 |
| Pre-tax income | 305 | 291 | 348 | 423 | 264 |
| Income tax | 77.8 | 71.4 | 68.7 | 102 | 45.0 |
| Net income | 227 | 220 | 279 | 320 | 219 |
| Diluted EPS | 4.76 | 4.47 | 5.64 | 6.30 | 3.78 |
| Diluted shares | 43.3 | 43.3 | 43.3 | 45.0 | 45.9 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,033 | 226 | 584 | 477 | 212 |
| Net PP&E | 31.2 | 35.4 | 42.3 | 58.6 | 73.9 |
| Goodwill | 15.8 | 15.8 | 15.8 | 8.0 | 8.0 |
| Total assets | 11,279 | 12,615 | 16,953 | 18,806 | 19,449 |
| Long-term debt | 1,034 | 930 | 964 | 4,386 | 3,843 |
| DepositsBanks | 8,983 | 10,071 | 14,061 | 11,920 | 13,041 |
| Total liabilities | 10,123 | 11,155 | 15,251 | 16,562 | 17,168 |
| Shareholders' equity | 1,155 | 1,460 | 1,701 | 2,243 | 2,281 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | −49.2 | 976 | −356 | −835 | −341 |
| Capital expenditure | 3.6 | 6.8 | 7.5 | 18.4 | 20.9 |
| Free cash flow | −52.9 | 969 | −364 | −854 | −362 |
| Depreciation & amortisation | 2.2 | 2.5 | 2.9 | 3.0 | 3.5 |
| Share buybacks | – | 3.9 | – | – | – |
| Dividends paid | 31.2 | 38.1 | 48.5 | 51.2 | 59.4 |
| Dividend per share | 0.24 | 0.28 | 0.32 | 0.36 | 0.40 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −6.1% | 26.2% | 11.7% | −40.0% |
| Return on equityBlank when equity is negative | 19.7% | 15.1% | 16.4% | 14.3% | 9.6% |
| Cash conversion (CFO ÷ net income) | −0.22x | 4.44x | −1.28x | −2.61x | −1.56x |
| Debt ÷ equity | 0.89x | 0.64x | 0.57x | 1.96x | 1.68x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 1.3 | 704 | 380 | 3,910 | 3,630 |
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.