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Banks · Financial Services · Fiscal year ends Sep 30
Net income was $91M. Operating cash flow of $82M less capital expenditure of $11M left free cash flow of $71M.
Last 5 fiscal years
| Fiscal year | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 232 | 267 | 284 | 278 | 293 |
| Interest expense | 158 | 142 | 328 | 456 | 470 |
| Pre-tax income | 100 | 92.1 | 93.4 | 100 | 115 |
| Income tax | 19.1 | 17.5 | 18.1 | 20.7 | 23.8 |
| Net income | 81.0 | 74.6 | 75.3 | 79.6 | 91.0 |
| Diluted EPS | 0.29 | 0.26 | 0.26 | 0.28 | 0.32 |
| Diluted shares | 279 | 279 | 279 | 279 | 280 |
| Fiscal year | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 488 | 370 | 467 | 464 | 429 |
| Net PP&E | 37.4 | 34.5 | 34.7 | 33.2 | 40.0 |
| Total assets | 14,057 | 15,790 | 16,918 | 17,091 | 17,456 |
| Total liabilities | 12,325 | 13,946 | 14,991 | 15,228 | 15,562 |
| Shareholders' equity | 1,732 | 1,844 | 1,927 | 1,863 | 1,894 |
| Fiscal year | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 83.2 | 38.9 | 90.7 | 88.6 | 82.4 |
| Capital expenditure | 1.3 | 2.7 | 5.1 | 3.1 | 11.5 |
| Free cash flow | 81.8 | 36.2 | 85.6 | 85.5 | 71.0 |
| Depreciation & amortisation | 5.4 | 5.4 | 4.9 | 4.6 | 4.6 |
| Stock-based compensation | 13.7 | 11.0 | 10.0 | 9.5 | 9.6 |
| Share buybacks | 5.6 | 6.3 | 6.0 | 1.9 | 4.0 |
| Dividends paid | 56.6 | 58.3 | 58.3 | 59.0 | 59.5 |
| Dividend per share | 1.12 | 1.13 | 1.13 | 1.13 | 1.13 |
| Fiscal year | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −10.3% | 0.0% | 7.7% | 14.3% |
| Return on equityBlank when equity is negative | 4.7% | 4.0% | 3.9% | 4.3% | 4.8% |
| Cash conversion (CFO ÷ net income) | 1.03x | 0.52x | 1.21x | 1.11x | 0.91x |
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.