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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $223M. Operating cash flow of $290M less capital expenditure of $10M left free cash flow of $280M. Net debt was $663M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 458 | 474 | 481 | 478 | 814 |
| Interest expense | 27.0 | 39.3 | 230 | 347 | 458 |
| Pre-tax income | 302 | 236 | 194 | 185 | 279 |
| Income tax | 59.6 | 44.3 | 35.0 | 33.6 | 56.1 |
| Net income | 242 | 192 | 159 | 152 | 223 |
| Diluted EPS | 3.53 | 3.02 | 2.51 | 2.26 | 2.23 |
| Diluted shares | 65.7 | 60.2 | 59.4 | 62.7 | 91.0 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,251 | 408 | 595 | 568 | 956 |
| Net PP&E | 229 | 221 | 234 | 219 | 263 |
| Goodwill | 1,100 | 1,100 | 1,100 | 1,100 | 1,600 |
| Total assets | 16,927 | 16,932 | 17,712 | 18,684 | 27,696 |
| Long-term debt | 459 | 1,121 | 1,735 | 1,471 | 1,619 |
| DepositsBanks | 13,566 | 13,131 | 13,169 | 14,134 | 21,669 |
| Total liabilities | 14,234 | 14,505 | 15,179 | 15,894 | 23,664 |
| Shareholders' equity | 2,693 | 2,427 | 2,533 | 2,790 | 4,032 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 336 | 204 | 169 | 211 | 290 |
| Capital expenditure | 8.5 | 8.0 | 22.5 | 10.3 | 10.4 |
| Free cash flow | 328 | 196 | 147 | 201 | 280 |
| Depreciation & amortisation | 13.4 | 13.0 | 14.4 | 15.3 | 20.2 |
| Stock-based compensation | 6.5 | 6.2 | 8.3 | 7.5 | 8.7 |
| Dividends paid | 86.5 | 81.3 | 82.3 | 87.4 | 125 |
| Dividend per share | 1.32 | 1.37 | 1.41 | 1.45 | 1.49 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | −14.4% | −16.9% | −10.0% | −1.3% |
| Return on equityBlank when equity is negative | 9.0% | 7.9% | 6.3% | 5.4% | 5.5% |
| Cash conversion (CFO ÷ net income) | 1.39x | 1.06x | 1.06x | 1.39x | 1.30x |
| Debt ÷ equity | 0.17x | 0.46x | 0.68x | 0.53x | 0.40x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −793 | 713 | 1,140 | 903 | 663 |
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.