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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $598M. Operating cash flow of $344M less capital expenditure of $18M left free cash flow of $326M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 1,210 | 1,656 | 1,665 | 1,629 | 1,764 |
| Interest expense | 124 | 321 | 1,473 | 1,729 | 1,469 |
| Pre-tax income | 641 | 781 | 678 | 439 | 744 |
| Income tax | 167 | 212 | 180 | 58.2 | 146 |
| Net income | 474 | 569 | 499 | 380 | 598 |
| Diluted EPS | 1.12 | 1.14 | 0.95 | 0.69 | 1.01 |
| Diluted shares | 410 | 488 | 509 | 518 | 564 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 2,050 | 948 | 891 | 1,890 | 1,584 |
| Net PP&E | 326 | 359 | 381 | 351 | 331 |
| Goodwill | 1,459 | 1,869 | 1,869 | 1,869 | 1,869 |
| Total assets | 43,446 | 57,463 | 60,935 | 62,492 | 64,133 |
| Short-term debt | 656 | 139 | 918 | 72.7 | 91.5 |
| DepositsBanks | 35,632 | 47,637 | 49,243 | 50,076 | 52,183 |
| Total liabilities | 38,362 | 51,062 | 54,234 | 55,057 | 56,325 |
| Shareholders' equity | 5,084 | 6,401 | 6,701 | 7,435 | 7,808 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 837 | 1,428 | 378 | 549 | 344 |
| Capital expenditure | 39.4 | 68.9 | 76.0 | 16.1 | 18.1 |
| Free cash flow | 798 | 1,360 | 302 | 532 | 326 |
| Depreciation & amortisation | 28.8 | 41.2 | 43.4 | 43.7 | 38.1 |
| Stock-based compensation | 20.9 | 28.8 | 33.1 | 29.0 | 27.3 |
| Share buybacks | 23.9 | 24.1 | 2.1 | 0.0 | 63.0 |
| Dividends paid | 180 | 206 | 225 | 228 | 249 |
| Dividend per share | 0.44 | 0.44 | 0.44 | 0.44 | 0.44 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 1.8% | −16.7% | −27.4% | 46.4% |
| Return on equityBlank when equity is negative | 9.3% | 8.9% | 7.4% | 5.1% | 7.7% |
| Cash conversion (CFO ÷ net income) | 1.77x | 2.51x | 0.76x | 1.44x | 0.57x |
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.