Revenue
Cost
Profit
| Item | Category | Value | YoY |
|---|---|---|---|
| Total non-interest income (loss) | profit | 2.96B | 52.48% |
| Discount and interchange fees, net | revenue | 1.81B | 47.56% |
| Service charges and other customer-related fees | revenue | 849.00M | 69.46% |
| Other | revenue | 294.00M | 20.49% |
| Segment | Value | YoY |
|---|---|---|
| Interchange Fees, Contracts | 1.81B | 47.56% |
| Service Charges And Other Customer Fees, Contracts | 292.00M | 153.91% |
| Other Contract Revenue | 179.00M | 72.12% |
| Others | 13.08B | 52.63% |
| Item | Category | Value | YoY |
|---|---|---|---|
| Total | assets | 443.16B | |
| Interest-bearing deposits and other short-term investments | assets | 50.67B | |
| Cash and due from banks | assets | 4.61B | |
| Net loans held for investment | assets | 420.06B | |
| Total cash and cash equivalents | assets | 55.28B | |
| Allowance for credit losses | assets | 23.10B | |
| Securities available for sale (amortized cost of $96.9 billion and $93.0 billion and allowance for credit losses of $3 million and $4 million as of september 30, 2025 and december 31, 2024, respectively) | assets | 89.73B | |
| Other assets | assets | 29.96B | |
| Goodwill | assets | 28.86B | |
| Other intangible assets | assets | 17.04B | |
| Assets of discontinued operations | assets | 8.00B | |
| Premises and equipment, net | assets | 5.58B | |
| Interest receivable | assets | 3.46B | |
| Restricted cash for securitization investors | assets | 3.25B | |
| Loans held for sale ($620 million and $87 million carried at fair value as of september 30, 2025 and december 31, 2024, respectively) | assets | 670.00M | |
| Assets | assets | 661.88B | |
| Total liabilities | liabilities | 548.06B | |
| Total stockholders’ equity | equity | 113.81B | |
| Treasury stock, common, value | equity | 7.63B | |
| Accumulated other comprehensive loss | equity | 5.92B | |
| Total deposits | liabilities | 468.79B | |
| Total other debt | liabilities | 37.84B | |
| Other liabilities | liabilities | 26.94B | |
| Securitized debt obligations | liabilities | 13.64B | |
| Interest payable | liabilities | 826.00M | |
| Liabilities of discontinued operations | liabilities | 30.00M | |
| Aggregate | equity | 127.36B | |
| Interest-bearing deposits | liabilities | 441.14B | |
| Non-interest-bearing deposits | liabilities | 27.65B | |
| Senior and subordinated notes | liabilities | 36.66B | |
| Federal funds purchased and securities loaned or sold under agreements to repurchase | liabilities | 616.00M | |
| Other borrowings | liabilities | 562.00M | |
| Additional paid-in capital, net | equity | 63.73B | |
| Retained earnings | equity | 63.62B | |
| Common stock (par value $0.01 per share; 1,000,000,000 shares authorized; 707,690,438 and 702,224,674 shares issued as of september 30, 2025 and december 31, 2024, respectively; 635,733,605 and 381,230,343 shares outstanding as of september 30, 2025 and december 31, 2024, respectively) | equity | 7.00M |
| Item | Value |
|---|---|
| Change in estimated partner reimbursements that (increased) decreased provision for credit losses | 16.51B |
| Depreciation and amortization, net | 3.65B |
| Proceeds from sales and paydowns | 3.26B |
| Changes in other liabilities | 1.36B |
| Stock-based compensation expense | 576.00M |
| Net income | 319.00M |
| Other noncash income (expense) | 101.00M |
| Net change from discontinued operations | 14.00M |
| Gain (loss) on sales of loans, net | 2.00M |
| Increase (decrease) in accrued interest receivable, net | 2.00M |
| Changes in interest payable | -187.00M |
| Increase (decrease) in other operating assets | -640.00M |
| Deferred tax benefit | -1.40B |
| Payment for origination and purchase, loan, held-for-sale | -3.69B |
| Item | Value |
|---|---|
| Payments to acquire businesses, net of cash acquired | 16.46B |
| Proceeds from paydowns and maturities | 13.29B |
| Proceeds from sales of securities related to the transaction | 9.70B |
| Principal recoveries of loans previously charged off | 3.65B |
| Proceeds from sales | 1.00M |
| Payments to acquire property, plant, and equipment | -1.13B |
| Payment for (proceeds from) other investing activity | -1.16B |
| Payments to acquire debt securities, available-for-sale | -12.59B |
| Payments for (proceeds from) sale of financing receivable, held-for-investment | -20.85B |
| Item | Value |
|---|---|
| Issuance of senior and subordinated notes | 4.48B |
| Issuance of securitized debt obligations | 1.50B |
| Net proceeds from issuances | 295.00M |
| Changes in other borrowings | 48.00M |
| Proceeds from share-based payment activities | 1.00M |
| Payments of ordinary dividends, preferred stock and preference stock | -179.00M |
| Payments for redemption of preferred stock | -500.00M |
| Payments of ordinary dividends, common stock | -1.01B |
| Changes in deposits | -1.05B |
| Payments for repurchase of common stock | -1.58B |
| Repayments of unsecured debt and long term fhlb advances | -6.31B |
| Repayments of secured debt | -8.10B |
| Item | Value |
|---|---|
| Cash and cash equivalents, beginning of period | 43.67B |
| Cash and cash equivalents, end of period | 58.53B |
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