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Credit services · Financial Services · Fiscal year ends Dec 31
Net income was $783M. Net debt was $21.8B.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 3,427 | 3,543 | 3,545 | 3,808 | 4,183 |
| Pre-tax income | 1,741 | 1,155 | 840 | 667 | 1,001 |
| Income tax | 427 | 283 | 199 | 158 | 218 |
| Net income | 1,314 | 872 | 641 | 509 | 783 |
| Diluted EPS | 9.88 | 7.01 | 5.32 | 4.24 | 6.56 |
| Diluted shares | 133 | 124 | 121 | 120 | 119 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 541 | 498 | 1,014 | 458 | 914 |
| Goodwill | 1,437 | 1,437 | 1,437 | 1,474 | 1,474 |
| Total assets | 22,095 | 22,537 | 24,294 | 25,910 | 27,388 |
| Long-term debt | 17,750 | 18,281 | 19,813 | 21,438 | 22,694 |
| Total liabilities | 18,986 | 19,522 | 21,108 | 22,719 | 23,987 |
| Shareholders' equity | 3,037 | 3,015 | 3,186 | 3,191 | 3,401 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 2,247 | 2,387 | 2,519 | 2,699 | 3,132 |
| Depreciation & amortisation | 264 | 262 | 257 | 277 | 287 |
| Stock-based compensation | 23.0 | 31.0 | 36.0 | 30.0 | 36.0 |
| Acquisitions | – | 0.0 | 0.0 | 64.0 | 0.0 |
| Share buybacks | 368 | 303 | 65.0 | 35.0 | 141 |
| Dividends paid | 1,274 | 480 | 487 | 498 | 499 |
| Dividend per share | 9.55 | 3.80 | 4.00 | 4.12 | 4.17 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −29.0% | −24.1% | −20.3% | 54.7% |
| Return on equityBlank when equity is negative | 43.3% | 28.9% | 20.1% | 16.0% | 23.0% |
| Cash conversion (CFO ÷ net income) | 1.71x | 2.74x | 3.93x | 5.30x | 4.00x |
| Debt ÷ equity | 5.84x | 6.06x | 6.22x | 6.72x | 6.67x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 17,209 | 17,783 | 18,799 | 20,980 | 21,780 |
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.