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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $126M. Operating cash flow of $153M less capital expenditure of $12M left free cash flow of $142M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 391 | 421 | 436 | 436 | 525 |
| Interest expense | 27.2 | 28.1 | 152 | 234 | 224 |
| Pre-tax income | 201 | 174 | 175 | 130 | 163 |
| Income tax | 46.8 | 40.0 | 40.1 | 29.3 | 36.8 |
| Net income | 154 | 134 | 135 | 100 | 126 |
| Diluted EPS | 1.21 | 1.05 | 1.06 | 0.79 | 0.92 |
| Diluted shares | 127 | 127 | 127 | – | – |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,279 | 139 | 122 | 288 | 234 |
| Net PP&E | 157 | 146 | 139 | 124 | 140 |
| Goodwill | 381 | 381 | 381 | 381 | 444 |
| Total assets | 14,502 | 14,113 | 14,419 | 14,408 | 16,767 |
| Short-term debt | 139 | 681 | 399 | 200 | – |
| DepositsBanks | 12,301 | 11,465 | 11,980 | 12,145 | 13,943 |
| Total liabilities | 12,918 | 12,622 | 12,868 | 12,811 | 14,876 |
| Shareholders' equity | 1,584 | 1,491 | 1,551 | 1,597 | 1,890 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 205 | 175 | 92.9 | 128 | 153 |
| Capital expenditure | 17.5 | 4.3 | 8.6 | 2.3 | 11.6 |
| Free cash flow | 188 | 171 | 84.3 | 125 | 142 |
| Depreciation & amortisation | 12.1 | 12.0 | 12.0 | 11.0 | 12.0 |
| Stock-based compensation | 4.7 | 4.1 | 4.6 | 6.1 | 6.1 |
| Acquisitions | 0.0 | 0.0 | 0.0 | 0.0 | −30.9 |
| Share buybacks | 23.9 | 0.0 | 0.0 | – | – |
| Dividends paid | 100 | 101 | 102 | 102 | 110 |
| Dividend per share | 0.79 | 0.80 | 0.80 | 0.80 | 0.80 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −13.2% | 1.0% | −25.5% | 16.5% |
| Return on equityBlank when equity is negative | 9.7% | 9.0% | 8.7% | 6.3% | 6.7% |
| Cash conversion (CFO ÷ net income) | 1.33x | 1.31x | 0.69x | 1.27x | 1.22x |
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.