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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $145M. It held more cash than debt (net cash $276M).
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 276 | 366 | 488 | 432 | 553 |
| Interest expense | 8.2 | 14.3 | 201 | 294 | 283 |
| Pre-tax income | 159 | 138 | 134 | 156 | 187 |
| Income tax | 34.3 | 31.6 | 30.2 | 34.9 | 41.6 |
| Net income | 124 | 107 | 104 | 121 | 145 |
| Diluted EPS | 2.18 | 1.66 | 1.23 | 1.42 | 1.57 |
| Diluted shares | 57.1 | 64.3 | 84.3 | 85.0 | 89.1 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 738 | 202 | 447 | 477 | 389 |
| Net PP&E | 72.4 | 117 | 113 | 108 | 160 |
| Goodwill | 252 | 480 | 732 | 732 | 1,035 |
| Total assets | 9,681 | 12,146 | 14,580 | 15,176 | 20,842 |
| Long-term debt | – | 84.5 | 106 | 107 | 113 |
| DepositsBanks | 8,068 | 9,982 | 11,777 | 12,242 | 16,256 |
| Total liabilities | 8,371 | 10,538 | 12,472 | 12,993 | 17,787 |
| Shareholders' equity | 1,311 | 1,608 | 2,108 | 2,183 | 2,713 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 155 | 196 | 151 | 180 | 188 |
| Depreciation & amortisation | 5.5 | 6.1 | 8.2 | 8.6 | 9.7 |
| Stock-based compensation | 8.7 | 11.2 | 13.4 | 13.7 | 15.7 |
| Share buybacks | 0.0 | 0.0 | 10.9 | 0.9 | 0.0 |
| Dividend per share | 0.39 | 0.64 | 0.71 | 0.72 | 0.73 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −23.9% | −25.9% | 15.4% | 10.6% |
| Return on equityBlank when equity is negative | 9.5% | 6.6% | 4.9% | 5.5% | 5.3% |
| Cash conversion (CFO ÷ net income) | 1.24x | 1.84x | 1.45x | 1.49x | 1.30x |
| Debt ÷ equity | – | 0.05x | 0.05x | 0.05x | 0.04x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | – | −117 | −341 | −370 | −276 |
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.