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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $151M. Operating cash flow of $154M less capital expenditure of $4M left free cash flow of $149M. It held more cash than debt (net cash $525M).
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 158 | 240 | 242 | 268 | 306 |
| Interest expense | 13.6 | 34.0 | 141 | 170 | 164 |
| Pre-tax income | 81.1 | 126 | 86.6 | 155 | 187 |
| Income tax | 20.5 | 31.5 | 25.1 | 31.1 | 36.3 |
| Net income | 60.7 | 94.3 | 61.5 | 124 | 151 |
| Diluted EPS | 5.44 | 6.56 | 4.08 | 8.05 | 9.78 |
| Diluted shares | 11.1 | 14.4 | 15.1 | 15.4 | 15.4 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 595 | 155 | 491 | 536 | 660 |
| Net PP&E | 94.6 | 109 | 119 | 127 | 120 |
| Goodwill | 317 | 367 | 367 | 367 | 367 |
| Total assets | 7,695 | 8,764 | 8,469 | 8,797 | 9,185 |
| Short-term debt | 0.0 | 317 | 0.0 | 0.0 | 0.0 |
| Long-term debt | 217 | 225 | 167 | 161 | 135 |
| DepositsBanks | 6,466 | 7,179 | 7,198 | 7,404 | 7,731 |
| Total liabilities | 6,803 | 7,791 | 7,430 | 7,624 | 7,927 |
| Shareholders' equity | 892 | 973 | 1,039 | 1,173 | 1,258 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 97.7 | 117 | 108 | 134 | 154 |
| Capital expenditure | 12.8 | 12.2 | 18.6 | 16.9 | 4.1 |
| Free cash flow | 84.9 | 105 | 89.4 | 117 | 149 |
| Depreciation & amortisation | 13.9 | 21.9 | 18.4 | 17.0 | 15.0 |
| Stock-based compensation | 7.3 | 7.0 | 6.4 | 6.6 | 7.3 |
| Acquisitions | −368 | 28.2 | 0.0 | 0.0 | – |
| Share buybacks | 62.6 | 61.5 | 1.5 | 10.1 | 76.6 |
| Dividends paid | 0.0 | 0.0 | 11.1 | 16.5 | 18.7 |
| Dividend per share | – | – | 0.75 | 1.09 | 1.24 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 20.6% | −37.8% | 97.3% | 21.5% |
| Return on equityBlank when equity is negative | 6.8% | 9.7% | 5.9% | 10.6% | 12.0% |
| Cash conversion (CFO ÷ net income) | 1.61x | 1.25x | 1.76x | 1.08x | 1.02x |
| Debt ÷ equity | 0.24x | 0.56x | 0.16x | 0.14x | 0.11x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −378 | 388 | −325 | −375 | −525 |
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.