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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $181M. Operating cash flow of $271M less capital expenditure of $34M left free cash flow of $238M. It held more cash than debt (net cash $15M).
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 424 | 481 | 519 | 512 | 804 |
| Interest expense | 44.7 | 60.5 | 278 | 376 | 458 |
| Pre-tax income | 223 | 211 | 177 | 245 | 227 |
| Income tax | 46.9 | 45.2 | 32.5 | 49.5 | 45.5 |
| Net income | 176 | 166 | 145 | 195 | 181 |
| Diluted EPS | 3.12 | 2.95 | 2.56 | 3.27 | 2.07 |
| Diluted shares | 56.4 | 56.2 | 56.4 | 59.7 | 87.5 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,878 | 576 | 801 | 1,092 | 1,071 |
| Net PP&E | 293 | 284 | 283 | – | – |
| Goodwill | 940 | 992 | 992 | 989 | 1,406 |
| Total assets | 16,810 | 16,988 | 17,361 | 18,035 | 26,751 |
| Short-term debt | 13.9 | 712 | 308 | 108 | 556 |
| Long-term debt | 471 | 428 | 429 | 431 | 500 |
| DepositsBanks | 13,906 | 13,487 | 14,077 | 14,573 | 21,473 |
| Total liabilities | 14,600 | 14,852 | 15,063 | 15,357 | 22,867 |
| Shareholders' equity | 2,210 | 2,136 | 2,297 | 2,678 | 3,885 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 143 | 574 | 149 | 106 | 271 |
| Capital expenditure | 20.5 | 14.8 | 21.6 | 13.6 | 33.7 |
| Free cash flow | 122 | 559 | 127 | 92.8 | 238 |
| Depreciation & amortisation | 47.4 | 42.7 | 35.2 | 32.3 | 16.2 |
| Stock-based compensation | 10.1 | 11.5 | 13.7 | 13.9 | 17.7 |
| Acquisitions | 0.0 | 121 | 0.0 | 0.0 | – |
| Share buybacks | 21.3 | 0.0 | 0.0 | 0.0 | 13.3 |
| Dividends paid | 50.0 | 50.0 | 50.3 | 53.7 | 78.6 |
| Dividend per share | 0.88 | 0.88 | 0.88 | 0.88 | 0.89 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −5.4% | −13.2% | 27.7% | −36.7% |
| Return on equityBlank when equity is negative | 8.0% | 7.8% | 6.3% | 7.3% | 4.7% |
| Cash conversion (CFO ÷ net income) | 0.81x | 3.46x | 1.03x | 0.54x | 1.50x |
| Debt ÷ equity | 0.22x | 0.53x | 0.32x | 0.20x | 0.27x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −1,393 | 564 | −64.4 | −553 | −15.2 |
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.