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 | $71.9B | $75.3B | $78.1B | $80.7B | $85.2B |
| YoY | — | +4.8% | +3.6% | +3.4% | +5.6% |
| Cost of goods sold | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Research & development | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Pretax income | $27.5B | $18.8B | $12.9B | $17.0B | $19.8B |
| YoY | — | -31.5% | -31.4% | +32.0% | +16.3% |
| Income tax | $5.5B | $3.6B | $3.5B | $4.2B | $5.4B |
| YoY | — | -33.2% | -3.1% | +19.4% | +27.6% |
| Net income | $22.0B | $14.8B | $9.2B | $12.7B | $14.3B |
| YoY | — | -32.4% | -37.8% | +37.4% | +12.8% |
| EPS — basic | $10.21 | $7.04 | $4.07 | $6.03 | $7.11 |
| YoY | — | -31.0% | -42.2% | +48.2% | +17.9% |
| EPS — diluted | $10.14 | $7.00 | $4.04 | $5.94 | $6.99 |
| YoY | — | -31.0% | -42.3% | +47.0% | +17.7% |
| Weighted shares — basic | 2.03B | 1.95B | 1.93B | 1.90B | 1.83B |
| Weighted shares — diluted | 2.05B | 1.96B | 1.96B | 1.94B | 1.87B |
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 | $2,291.0B | $2,417.0B | $2,412.0B | $2,352.9B | $2,657.2B |
| YoY | — | +5.5% | -0.2% | -2.4% | +12.9% |
| Total current liabilities | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total liabilities | $2,088.7B | $2,214.8B | $2,205.6B | $2,143.6B | $2,443.4B |
| YoY | — | +6.0% | -0.4% | -2.8% | +14.0% |
| Total equity | $202.0B | $201.2B | $205.5B | $208.6B | $212.3B |
| YoY | — | -0.4% | +2.1% | +1.5% | +1.8% |
| Shares outstanding | — | — | — | — | — |
| YoY | — | — | — | — | — |
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 | $47.1B | $25.1B | $-73.4B | $-19.7B | $-67.6B |
| YoY | — | -46.8% | -392.9% | +73.2% | -243.9% |
| Capital expenditures | $4.1B | $5.6B | $6.6B | $6.5B | $6.5B |
| YoY | — | +36.7% | +16.9% | -1.3% | +0.3% |
| Free cash flow | $43.0B | $19.4B | $-80.0B | $-26.2B | $-74.2B |
| YoY | — | -54.8% | -511.6% | +67.3% | -183.4% |
| Dividends paid | $5.2B | $5.0B | $5.2B | $5.2B | $5.4B |
| YoY | — | -3.8% | +4.2% | -0.2% | +3.3% |
| Share repurchases | $7.6B | $3.2B | $2.0B | $2.5B | $13.2B |
| YoY | — | -57.2% | -39.2% | +25.1% | +435.6% |
Margins & ratios
Derived from the reported dollars above — no separate source.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — |
| Operating margin | — | — | — | — | — |
| Net margin | 30.5% | 19.7% | 11.8% | 15.7% | 16.8% |
| Free cash flow margin | 59.8% | 25.8% | -102.5% | -32.4% | -87.0% |
| Effective tax rate | 19.8% | 19.4% | 27.3% | 24.7% | 27.1% |
| Current ratio | — | — | — | — | — |
| Total liabilities / equity | 10.34x | 11.01x | 10.74x | 10.28x | 11.51x |
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 |
|---|---|---|---|---|---|---|
| C FY25 · this stock | $85.2B | +5.6% | — | — | 16.8% | -87.0% |
| JPM FY25 | $182.4B | +2.8% | — | — | 31.3% | — |
| BAC FY25 | $113.1B | +6.8% | — | — | 27.0% | — |
| PGR FY25 | $87.7B | +16.3% | — | — | 12.9% | 19.6% |
| 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.