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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $543M. Operating cash flow of $550M less capital expenditure of $33M left free cash flow of $517M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Research & development | 5.2 | 6.1 | 7.4 | 7.5 | 8.1 |
| Net interest incomeBanks | 993 | 1,005 | 956 | 1,026 | 1,081 |
| Interest expense | 53.6 | 89.6 | 488 | 597 | 489 |
| Pre-tax income | 660 | 666 | 534 | 613 | 694 |
| Income tax | 140 | 142 | 115 | 133 | 151 |
| Net income | 519 | 525 | 419 | 479 | 543 |
| Diluted EPS | 5.05 | 5.73 | 4.51 | 5.05 | 5.72 |
| Diluted shares | 92.7 | 91.6 | 92.9 | 95.0 | 94.9 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net PP&E | 320 | 339 | 370 | 371 | 383 |
| Goodwill | 3,232 | 3,232 | 3,396 | 3,503 | 3,503 |
| Total assets | 37,834 | 37,690 | 38,548 | 39,567 | 38,463 |
| Long-term debt | 448 | 2,278 | 4,034 | 3,422 | 2,151 |
| DepositsBanks | 30,772 | 28,534 | 27,180 | 28,381 | 28,482 |
| Total liabilities | 31,407 | 30,990 | 31,469 | 32,128 | 30,847 |
| Shareholders' equity | 6,427 | 6,699 | 7,079 | 7,438 | 7,616 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 695 | 507 | 646 | 473 | 550 |
| Capital expenditure | 19.0 | 42.4 | 34.2 | 21.1 | 32.5 |
| Free cash flow | 676 | 464 | 612 | 452 | 517 |
| Depreciation & amortisation | 18.1 | 18.0 | 18.3 | 19.1 | 19.7 |
| Stock-based compensation | 12.6 | 11.8 | 12.2 | 12.8 | 12.1 |
| Acquisitions | – | – | 24.4 | – | – |
| Share buybacks | 52.1 | 65.7 | 72.2 | 74.8 | 157 |
| Dividends paid | 184 | 193 | 206 | 214 | 221 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 13.5% | −21.3% | 12.0% | 13.3% |
| Return on equityBlank when equity is negative | 8.1% | 7.8% | 5.9% | 6.4% | 7.1% |
| Cash conversion (CFO ÷ net income) | 1.34x | 0.97x | 1.54x | 0.99x | 1.01x |
| Debt ÷ equity | 0.07x | 0.34x | 0.57x | 0.46x | 0.28x |
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.