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Credit services · Financial Services · Fiscal year ends Dec 31
Net income was $745M. Net debt was $1.6B.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 1,395 | 1,489 | 1,562 | 1,481 | 1,502 |
| Interest expense | 382 | 543 | 1,030 | 1,138 | 1,125 |
| Pre-tax income | 1,540 | 631 | 778 | 799 | 993 |
| Income tax | 380 | 162 | 197 | 190 | 248 |
| Net income | 1,161 | 469 | 581 | 608 | 745 |
| Diluted EPS | 3.61 | 1.76 | 2.41 | 2.68 | 3.46 |
| Diluted shares | 320 | 262 | 234 | 220 | 211 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 4,335 | 4,616 | 4,150 | 4,700 | 4,241 |
| Net PP&E | 151 | 141 | 130 | 119 | 122 |
| Goodwill | – | 51.0 | 56.0 | 56.0 | 56.0 |
| Total assets | 29,222 | 28,811 | 29,169 | 30,072 | 29,746 |
| Short-term debt | 0.0 | 0.0 | 0.0 | 0.0 | 498 |
| Long-term debt | 5,931 | 5,235 | 5,228 | 6,440 | 5,362 |
| DepositsBanks | 20,828 | 21,448 | 21,653 | 21,069 | 21,060 |
| Total liabilities | 27,072 | 27,084 | 27,289 | 27,912 | 27,295 |
| Shareholders' equity | 2,150 | 1,727 | 1,881 | 2,160 | 2,451 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | −49.5 | 5.0 | −145 | −329 | −399 |
| Depreciation & amortisation | 16.0 | 17.3 | 17.8 | 17.7 | 16.2 |
| Stock-based compensation | 30.6 | 34.5 | 36.4 | 40.0 | 40.6 |
| Share buybacks | 1,531 | 713 | 350 | 248 | 369 |
| Dividends paid | 60.5 | 113 | 101 | 99.2 | 108 |
| Dividend per share | 0.20 | 0.44 | 0.44 | 0.46 | 0.52 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −51.2% | 36.9% | 11.2% | 29.1% |
| Return on equityBlank when equity is negative | 54.0% | 27.2% | 30.9% | 28.2% | 30.4% |
| Cash conversion (CFO ÷ net income) | −0.04x | 0.01x | −0.25x | −0.54x | −0.54x |
| Debt ÷ equity | 2.76x | 3.03x | 2.78x | 2.98x | 2.39x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 1,596 | 619 | 1,078 | 1,740 | 1,620 |
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.