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Credit services · Financial Services · Fiscal year ends Dec 31
Net income was $428M. Operating cash flow of $423M less capital expenditure of $26M left free cash flow of $397M. Net debt was $7.5B.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cost of revenue | 109 | 168 | 220 | 252 | 226 |
| Net interest incomeBanks | 348 | 313 | 265 | 293 | 355 |
| Interest expense | 176 | 430 | 845 | 681 | 497 |
| Pre-tax income | 502 | 502 | 68.7 | 229 | 556 |
| Income tax | 116 | 113 | 19.4 | 52.7 | 128 |
| Net income | 393 | 407 | 89.8 | 184 | 428 |
| Diluted EPS | 10.20 | 10.82 | 2.40 | 5.02 | 11.79 |
| Diluted shares | 38.6 | 37.6 | 37.4 | 36.6 | 36.3 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 126 | 118 | 168 | 195 | 296 |
| Net PP&E | 119 | 123 | 127 | 95.2 | 75.5 |
| Goodwill | 142 | 177 | 158 | 158 | 158 |
| Total assets | 21,678 | 19,355 | 16,712 | 13,778 | 14,064 |
| Deferred revenue | 41.2 | 56.7 | 72.6 | 88.3 | 92.5 |
| Long-term debt | 17,631 | 14,637 | 11,828 | 8,310 | 7,781 |
| DepositsBanks | 344 | 691 | 744 | 1,186 | 1,669 |
| Total liabilities | 18,725 | 16,174 | 13,512 | 10,479 | 10,487 |
| Shareholders' equity | 2,951 | 3,199 | 3,254 | 3,350 | 3,686 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 480 | 683 | 432 | 663 | 423 |
| Capital expenditure | 59.0 | 59.4 | 74.1 | 20.9 | 26.2 |
| Free cash flow | 421 | 624 | 358 | 642 | 397 |
| Depreciation & amortisation | 132 | 176 | 145 | 133 | 90.6 |
| Stock-based compensation | 10.7 | 14.2 | 16.5 | 12.0 | 13.3 |
| Acquisitions | 0.0 | 34.0 | 0.0 | 0.0 | – |
| Share buybacks | 58.1 | 97.7 | 28.0 | 83.3 | 69.3 |
| Dividends paid | 34.5 | 36.6 | 39.4 | 40.8 | 43.0 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 6.1% | −77.8% | 109.2% | 134.9% |
| Return on equityBlank when equity is negative | 13.3% | 12.7% | 2.8% | 5.5% | 11.6% |
| Cash conversion (CFO ÷ net income) | 1.22x | 1.68x | 4.81x | 3.60x | 0.99x |
| Debt ÷ equity | 5.97x | 4.58x | 3.64x | 2.48x | 2.11x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 17,506 | 14,519 | 11,660 | 8,115 | 7,485 |
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.