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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $287M. Operating cash flow of $220M less capital expenditure of $6M left free cash flow of $214M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 642 | 964 | – | – | – |
| Net interest incomeBanks | 434 | 663 | 725 | 705 | 726 |
| Interest expense | 22.7 | 40.9 | 251 | 358 | 294 |
| Pre-tax income | 358 | 301 | 365 | 347 | 381 |
| Income tax | 86.1 | 78.0 | 96.2 | 83.8 | 93.4 |
| Net income | 271 | 222 | 269 | 264 | 287 |
| Diluted EPS | 5.69 | 3.49 | 4.40 | 4.41 | 5.09 |
| Diluted shares | 47.7 | 63.7 | 61.2 | 59.7 | 56.5 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,533 | 837 | 1,093 | 1,155 | 1,699 |
| Net PP&E | 87.3 | 116 | 104 | 86.0 | 80.3 |
| Goodwill | 473 | 884 | 886 | 886 | 885 |
| Total assets | 15,777 | 19,915 | 20,595 | 20,814 | 21,314 |
| DepositsBanks | 13,240 | 16,204 | 16,474 | 17,030 | 17,642 |
| Total liabilities | 13,840 | 17,713 | 18,125 | 18,235 | 18,586 |
| Shareholders' equity | 1,939 | 2,205 | 2,478 | 2,590 | 2,739 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 126 | 481 | 237 | 220 | 220 |
| Capital expenditure | 6.6 | 8.8 | 6.4 | 14.3 | 6.4 |
| Free cash flow | 119 | 472 | 231 | 206 | 214 |
| Stock-based compensation | 5.7 | 6.3 | 9.6 | 11.9 | 12.8 |
| Acquisitions | 0.0 | −574 | 3.0 | 0.0 | 0.0 |
| Share buybacks | 13.3 | 200 | 54.6 | 96.3 | 290 |
| Dividends paid | 24.2 | 35.7 | 36.7 | 35.8 | 37.2 |
| Dividend per share | 0.51 | 0.56 | 0.60 | 0.60 | 0.66 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | 50.2% | – | – | – |
| EPS growth (YoY) | – | −38.7% | 26.1% | 0.2% | 15.4% |
| Net margin | 42.3% | 23.1% | – | – | – |
| Return on equityBlank when equity is negative | 14.0% | 10.1% | 10.9% | 10.2% | 10.5% |
| Free cash flow margin | 18.6% | 49.0% | – | – | – |
| Cash conversion (CFO ÷ net income) | 0.46x | 2.16x | 0.88x | 0.83x | 0.77x |
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.