Loading financials from SEC filings…
Banks · Financial Services · Fiscal year ends Dec 31
Net income was $224M. Operating cash flow of $244M less capital expenditure of $12M left free cash flow of $232M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 418 | 495 | 553 | 584 | 636 |
| Interest expense | 24.2 | 47.1 | 326 | 376 | 312 |
| Pre-tax income | 175 | 59.1 | 181 | 34.1 | 275 |
| Income tax | 28.0 | −1.8 | 27.7 | −11.2 | 50.5 |
| Net income | 147 | 71.9 | 165 | 223 | 224 |
| Diluted EPS | 2.34 | 1.17 | 2.70 | 3.63 | 3.70 |
| Diluted shares | 63.0 | 61.4 | 61.2 | 61.4 | 60.5 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net PP&E | 206 | 212 | 232 | 235 | 226 |
| Goodwill | 384 | 384 | 335 | 335 | 335 |
| Total assets | 17,596 | 18,015 | 18,722 | 18,152 | 18,925 |
| DepositsBanks | 15,087 | 14,438 | 15,570 | 15,108 | 15,500 |
| Total liabilities | 15,854 | 16,523 | 17,060 | 16,190 | 16,804 |
| Shareholders' equity | 1,741 | 1,492 | 1,662 | 1,962 | 2,122 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 349 | 297 | 197 | 117 | 244 |
| Capital expenditure | 27.4 | 26.6 | 40.1 | 23.5 | 11.9 |
| Free cash flow | 321 | 270 | 157 | 93.4 | 232 |
| Depreciation & amortisation | 45.8 | 39.9 | 35.8 | 38.1 | 40.0 |
| Stock-based compensation | 5.6 | 4.9 | 6.2 | 7.2 | 6.2 |
| Acquisitions | 0.0 | 0.0 | – | – | – |
| Share buybacks | 61.8 | 24.6 | 0.0 | 7.5 | 80.0 |
| Dividends paid | 58.1 | 56.7 | 56.7 | 56.8 | 58.5 |
| Dividend per share | 0.92 | 0.92 | 0.92 | 0.92 | 0.96 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −50.0% | 130.8% | 34.4% | 1.9% |
| Return on equityBlank when equity is negative | 8.5% | 4.8% | 10.0% | 11.4% | 10.6% |
| Cash conversion (CFO ÷ net income) | 2.37x | 4.12x | 1.19x | 0.52x | 1.09x |
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.