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Banks · Financial Services · Fiscal year ends Dec 31
Net income was −$398M. Operating cash flow of $450M less capital expenditure of $38M left free cash flow of $411M. It held more cash than debt (net cash $377M).
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 592 | 717 | 650 | 628 | 719 |
| Interest expense | 79.5 | 144 | 560 | 684 | 525 |
| Income tax | 61.3 | 50.1 | 25.5 | 18.6 | −130 |
| Net income | 271 | 256 | 175 | 153 | −398 |
| Diluted EPS | 2.46 | 2.06 | 1.38 | 1.21 | −2.95 |
| Diluted shares | 110 | 124 | 127 | 126 | 135 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,651 | 682 | 614 | 687 | 712 |
| Goodwill | 1,146 | 1,320 | 1,321 | 1,321 | 1,321 |
| Total assets | 24,725 | 27,461 | 27,346 | 26,876 | 24,541 |
| Long-term debt | 1,722 | 390 | 389 | 387 | 335 |
| DepositsBanks | 19,367 | 22,548 | 22,245 | 21,886 | 20,184 |
| Total liabilities | 21,476 | 24,192 | 23,919 | 23,347 | 21,122 |
| Shareholders' equity | 3,249 | 3,269 | 3,426 | 3,529 | 3,419 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 278 | 322 | 541 | 426 | 450 |
| Capital expenditure | 47.9 | 35.3 | 33.1 | 45.5 | 38.1 |
| Free cash flow | 230 | 287 | 508 | 380 | 411 |
| Depreciation & amortisation | 47.2 | 49.0 | 47.9 | 46.1 | 40.8 |
| Stock-based compensation | 15.9 | 15.3 | 12.2 | 11.3 | 10.8 |
| Share buybacks | 132 | 111 | 40.3 | 0.0 | 0.0 |
| Dividends paid | 78.8 | 94.1 | 101 | 105 | 115 |
| Dividend per share | 0.72 | 0.76 | 0.80 | 0.84 | 0.85 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −16.3% | −33.0% | −12.3% | −343.8% |
| Return on equityBlank when equity is negative | 8.3% | 7.8% | 5.1% | 4.3% | −11.6% |
| Cash conversion (CFO ÷ net income) | 1.02x | 1.26x | 3.09x | 2.79x | −1.13x |
| Debt ÷ equity | 0.53x | 0.12x | 0.11x | 0.11x | 0.10x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 71.5 | −292 | −226 | −301 | −377 |
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.