Revenue
Cost
Profit
| Item | Category | Value | YoY |
|---|---|---|---|
| Total other income | revenue | 127.00M | 6.72% |
| Earnings before provision for income taxes | profit | 1.43B | 39.01% |
| Total other expense | cost | 1.25B | 4.96% |
| Net earnings | profit | 1.08B | 36.50% |
| Provision for income taxes (note 13) | cost | 352.00M | 47.28% |
| Employee costs | cost | 503.00M | 8.41% |
| Professional fees | cost | 240.00M | 3.90% |
| Information processing | cost | 226.00M | 11.33% |
| Other | cost | 159.00M | -5.36% |
| Marketing and business development | cost | 120.00M | -2.44% |
| Item | Category | Value | YoY |
|---|---|---|---|
| Total loan receivables | assets | 100.18B | |
| Loan receivables, net | assets | 89.81B | |
| Allowance for credit loss | assets | 10.37B | |
| Cash and equivalents | assets | 16.25B | |
| Other assets | assets | 5.84B | |
| Debt securities (note 4) | assets | 2.72B | |
| Goodwill | assets | 1.27B | |
| Intangible assets, net (note 7) | assets | 909.00M | |
| Loan receivables held for sale (note 5) | assets | 192.00M | |
| Total assets | assets | 116.98B | |
| Total liabilities | liabilities | 99.92B | |
| Total equity | equity | 17.07B | |
| Treasury stock, value | equity | 17.96B | |
| Currency translation adjustments | equity | 45.00M | |
| Debt securities | equity | 8.00M | |
| Total deposits | liabilities | 79.89B | |
| Total borrowings | liabilities | 14.43B | |
| Accrued expenses and other liabilities | liabilities | 5.60B | |
| Aggregate | equity | 35.07B | |
| Interest-bearing deposit accounts | liabilities | 79.51B | |
| Non-interest-bearing deposit accounts | liabilities | 373.00M | |
| Borrowings of consolidated securitization entities | liabilities | 7.67B | |
| Senior and subordinated unsecured notes | liabilities | 6.76B | |
| Retained earnings | equity | 23.98B | |
| Additional paid-in capital | equity | 9.87B | |
| Preferred stock, par value $0.001 per share; 1,250,000 shares authorized, issued and outstanding; and aggregate liquidation preference of $1,250 at both september 30, 2025 and december 31, 2024 | equity | 1.22B | |
| Accumulated other comprehensive (income) loss, defined benefit plan, after tax | equity | 7.00M | |
| Common stock, par value $0.001 per share; 4,000,000,000 shares authorized; 833,984,684 shares issued at both september 30, 2025 and december 31, 2024; 360,143,330 and 388,261,077 shares outstanding at september 30, 2025 and december 31, 2024, respectively | equity | 1.00M |
| Item | Value |
|---|---|
| Provision for credit losses | 3.78B |
| Net earnings | 2.80B |
| Depreciation and amortization | 375.00M |
| Increase (decrease) in other operating assets and liabilities, net | 358.00M |
| Deferred income taxes | 171.00M |
| Increase (decrease) in other operating assets | 114.00M |
| Increase (decrease) in accrued expenses and other liabilities | 66.00M |
| Increase (decrease) in interest and fee receivable | -271.00M |
| Item | Value |
|---|---|
| Maturity and sales of debt securities | 1.57B |
| Payments for (proceeds from) loans and leases | 183.00M |
| Payment for (proceeds from) other investing activity | -789.00M |
| Payments to acquire debt securities, available-for-sale | -1.18B |
| Item | Value |
|---|---|
| Proceeds from issuance of senior unsecured notes | 1.79B |
| Proceeds from issuance of securitized debt | 1.50B |
| Payments of ordinary dividends, preferred stock and preference stock | -62.00M |
| All other financing activities | -67.00M |
| Payments of ordinary dividends, common stock | -321.00M |
| Repayments of secured debt | -1.68B |
| Payments for repurchase of common stock | -1.98B |
| Net increase (decrease) in deposits | -2.18B |
| Repayments of unsecured debt | -2.65B |
| Item | Value |
|---|---|
| Cash and cash equivalents, beginning of period | 14.76B |
| Cash and cash equivalents, end of period | 16.29B |
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