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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $140M. Operating cash flow of $166M less capital expenditure of $12M left free cash flow of $154M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 171 | 233 | 247 | 257 | 300 |
| Interest expense | 6.0 | 18.3 | 99.4 | 156 | 167 |
| Pre-tax income | 95.4 | 120 | 138 | 144 | 178 |
| Income tax | 20.8 | 27.2 | 30.2 | 29.8 | 38.0 |
| Net income | 74.6 | 93.3 | 108 | 115 | 140 |
| Diluted EPS | 2.97 | 3.21 | 3.67 | 3.89 | 4.75 |
| Diluted shares | 25.2 | 28.9 | 29.3 | 29.4 | 29.5 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net PP&E | 76.9 | 102 | 101 | 113 | 119 |
| Goodwill | 136 | 194 | 194 | 194 | 194 |
| Total assets | 6,646 | 7,496 | 8,170 | 8,863 | 9,536 |
| Deferred revenue | – | 0.0 | 0.0 | 0.0 | 0.0 |
| Long-term debt | – | 26.3 | 26.7 | 26.8 | 26.8 |
| DepositsBanks | 5,788 | 6,391 | 6,671 | 7,166 | 7,791 |
| Total liabilities | 5,970 | 6,736 | 7,312 | 7,923 | 8,460 |
| Shareholders' equity | 676 | 760 | 858 | 940 | 1,076 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 102 | 109 | 107 | 143 | 166 |
| Capital expenditure | 4.6 | 18.4 | 7.7 | 9.8 | 12.0 |
| Free cash flow | 97.5 | 90.3 | 99.0 | 133 | 154 |
| Depreciation & amortisation | 11.3 | 20.7 | 21.9 | 13.4 | 7.8 |
| Stock-based compensation | 4.6 | 4.4 | 4.5 | 3.8 | 4.4 |
| Acquisitions | −25.0 | −349 | 0.0 | 0.0 | – |
| Share buybacks | 3.8 | 4.8 | 2.7 | 4.2 | 2.1 |
| Dividends paid | 28.2 | 33.3 | 34.6 | 35.8 | 37.1 |
| Dividend per share | – | 1.14 | 1.18 | 1.22 | 1.26 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 8.1% | 14.3% | 6.0% | 22.1% |
| Return on equityBlank when equity is negative | 11.0% | 12.3% | 12.6% | 12.2% | 13.0% |
| Cash conversion (CFO ÷ net income) | 1.37x | 1.17x | 0.99x | 1.25x | 1.18x |
| Debt ÷ equity | – | 0.03x | 0.03x | 0.03x | 0.02x |
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.