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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $205M. Operating cash flow of $218M less capital expenditure of $18M left free cash flow of $199M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 0.0 | 0.0 | 0.0 | – | – |
| Net interest incomeBanks | 407 | 482 | 561 | 588 | 608 |
| Interest expense | 41.8 | 33.5 | 88.0 | 162 | 172 |
| Pre-tax income | 215 | 244 | 265 | 254 | 234 |
| Income tax | 68.5 | 77.9 | 83.4 | 55.6 | 29.0 |
| Net income | 146 | 166 | 182 | 198 | 205 |
| Diluted EPS | 2.81 | 3.44 | 3.83 | 4.23 | 4.58 |
| Diluted shares | 51.4 | 48.4 | 47.6 | 46.9 | 44.8 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 2,023 | 550 | 748 | 591 | 1,040 |
| Receivables | 88.8 | 61.4 | 47.9 | 70.2 | 68.4 |
| Net PP&E | 92.1 | 107 | 104 | 105 | 93.6 |
| Goodwill | 86.1 | 84.2 | 84.2 | 84.2 | 84.2 |
| Total assets | 9,900 | 9,819 | 11,344 | 11,501 | 12,466 |
| DepositsBanks | 8,603 | 8,568 | 9,762 | 9,605 | 10,263 |
| Total liabilities | 8,831 | 8,776 | 10,151 | 10,246 | 11,076 |
| Shareholders' equity | 1,069 | 1,042 | 1,193 | 1,254 | 1,390 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 100 | 164 | 296 | 253 | 218 |
| Capital expenditure | 23.1 | 31.0 | 17.9 | 21.3 | 18.4 |
| Free cash flow | 77.0 | 133 | 278 | 231 | 199 |
| Depreciation & amortisation | 14.1 | 15.8 | 20.4 | 20.9 | 20.5 |
| Stock-based compensation | 6.2 | 4.2 | 5.0 | 7.2 | 6.2 |
| Acquisitions | 0.0 | 0.0 | – | – | – |
| Dividends paid | 19.7 | 30.1 | 41.0 | 45.6 | 51.9 |
| Dividend per share | 0.40 | 0.70 | 0.88 | 1.00 | 1.20 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 22.4% | 11.3% | 10.4% | 8.3% |
| Return on equityBlank when equity is negative | 13.7% | 15.9% | 15.2% | 15.8% | 14.8% |
| Cash conversion (CFO ÷ net income) | 0.68x | 0.99x | 1.63x | 1.27x | 1.06x |
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.