Revenue vs Net income
Reported dollars from 10-Q / 10-K filings. Q4 bars are derived (annual less nine months) where the 10-K does not tag Q4 separately.
Margin trend
Gross, operating and net margin. Margins are derived from reported dollars.
Revenue YoY growth
Year-over-year change vs the same quarter (or fiscal year) a year earlier. Shown where the prior-year period is in the 8-quarter snapshot (latest four quarters).
Income statement
From 10-Q / 10-K XBRL. Values in reported dollars; EPS in $/share; share counts in shares.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $89.1B | $95.0B | $102.8B | $105.9B | $113.1B |
| YoY | — | +6.6% | +8.2% | +3.0% | +6.8% |
| Cost of goods sold | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Research & development | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Pretax income | $34.0B | $31.0B | $32.5B | $33.2B | $37.7B |
| YoY | — | -8.9% | +5.0% | +2.1% | +13.5% |
| Income tax | $2.0B | $3.4B | $6.2B | $6.2B | $7.2B |
| YoY | — | +72.2% | +80.9% | +0.4% | +15.0% |
| Net income | $32.0B | $27.5B | $26.3B | $27.0B | $30.5B |
| YoY | — | -13.9% | -4.4% | +2.5% | +13.1% |
| EPS — basic | $3.60 | $3.21 | $3.07 | $3.23 | $3.86 |
| YoY | — | -10.8% | -4.4% | +5.2% | +19.5% |
| EPS — diluted | $3.57 | $3.19 | $3.05 | $3.19 | $3.81 |
| YoY | — | -10.6% | -4.4% | +4.6% | +19.4% |
| Weighted shares — basic | 8.49B | 8.11B | 8.03B | 7.86B | 7.52B |
| Weighted shares — diluted | 8.56B | 8.17B | 8.08B | 7.94B | 7.68B |
Balance sheet
Point-in-time values at each quarter (or fiscal year) end.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Cash & equivalents | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Marketable securities (current) | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Accounts receivable | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total current assets | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total assets | $3,169.5B | $3,051.4B | $3,180.2B | $3,261.3B | $3,411.7B |
| YoY | — | -3.7% | +4.2% | +2.6% | +4.6% |
| Total current liabilities | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total liabilities | $2,899.4B | $2,778.2B | $2,888.5B | $2,967.3B | $3,108.5B |
| YoY | — | -4.2% | +4.0% | +2.7% | +4.8% |
| Total equity | $270.1B | $273.2B | $290.2B | $294.0B | $303.2B |
| YoY | — | +1.2% | +6.2% | +1.3% | +3.2% |
| Shares outstanding | 8.08B | 8.00B | 7.90B | 7.61B | 7.21B |
| YoY | — | -1.0% | -1.3% | -3.6% | -5.2% |
Cash flow
Quarterly values derived from year-to-date filings (Q4 from the 10-K). Free cash flow = operating cash flow − capital expenditures.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Operating cash flow | $-7.2B | $-6.3B | $45.0B | $-8.8B | $12.6B |
| YoY | — | +12.0% | +811.0% | -119.6% | +243.2% |
| Capital expenditures | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Free cash flow | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Dividends paid | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Share repurchases | $25.1B | $5.1B | $4.6B | $13.1B | $21.4B |
| YoY | — | -79.8% | -9.8% | +186.4% | +63.6% |
Margins & ratios
Derived from the reported dollars above — no separate source.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — |
| Operating margin | — | — | — | — | — |
| Net margin | 35.9% | 29.0% | 25.6% | 25.5% | 27.0% |
| Free cash flow margin | — | — | — | — | — |
| Effective tax rate | 5.9% | 11.1% | 19.1% | 18.8% | 19.1% |
| Current ratio | — | — | — | — | — |
| Total liabilities / equity | 10.74x | 10.17x | 9.95x | 10.09x | 10.25x |
Peer comparison — latest full year
Same sector (Financials), sorted by revenue. All figures from the same EDGAR XBRL snapshot.
| Ticker | Revenue | Revenue YoY | Gross margin | Operating margin | Net margin | FCF margin |
|---|---|---|---|---|---|---|
| BAC FY25 · this stock | $113.1B | +6.8% | — | — | 27.0% | — |
| JPM FY25 | $182.4B | +2.8% | — | — | 31.3% | — |
| PGR FY25 | $87.7B | +16.3% | — | — | 12.9% | 19.6% |
| C FY25 | $85.2B | +5.6% | — | — | 16.8% | -87.0% |
| WFC FY25 | $83.7B | +1.7% | — | — | 25.5% | — |
| MS FY25 | $70.6B | +14.4% | — | — | 23.9% | — |
| CB FY25 | $59.4B | +6.5% | — | — | 17.4% | — |
| GS FY25 | $58.3B | +8.9% | — | — | 29.5% | -81.0% |
| AXP FY25 | $41.3B | +6.4% | — | — | 26.2% | 38.7% |
| V FY25 | $40.0B | +11.3% | — | 60.0% | 50.1% | — |
| USB FY25 | $28.7B | +4.4% | — | — | 26.4% | — |
Source: SEC EDGAR XBRL company facts (10-Q / 10-K), snapshot generated 2026-11-03 for 218 tickers. Q4 values are derived as the 10-K annual less the first nine months, since Q4 is not separately tagged in company facts; cash-flow quarterly values are derived from year-to-date filings the same way. Free cash flow = operating cash flow − capital expenditures. Blank cells mean the filing does not report that line item under a standard US-GAAP tag — nothing is estimated or filled in. Descriptive research, not investment advice. How EarnIQ builds fundamentals.