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 | $40.9B | $43.1B | $49.7B | $55.8B | $59.4B |
| YoY | — | +5.5% | +15.4% | +12.1% | +6.5% |
| Cost of goods sold | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Research & development | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Pretax income | $9.8B | $6.5B | $9.5B | $11.5B | $13.0B |
| YoY | — | -33.8% | +46.9% | +20.2% | +13.9% |
| Income tax | $1.3B | $1.2B | $511.0M | $1.8B | $2.4B |
| YoY | — | -2.4% | -58.8% | +255.2% | +33.4% |
| Net income | $8.5B | $5.2B | $9.0B | $9.3B | $10.3B |
| YoY | — | -38.5% | +72.1% | +2.7% | +11.2% |
| EPS — basic | $19.38 | $12.50 | $21.97 | $22.94 | $25.93 |
| YoY | — | -35.5% | +75.8% | +4.4% | +13.0% |
| EPS — diluted | $19.24 | $12.39 | $21.80 | $22.70 | $25.68 |
| YoY | — | -35.6% | +75.9% | +4.1% | +13.1% |
| Weighted shares — basic | 440.0M | 419.8M | 410.8M | 404.2M | 397.6M |
| Weighted shares — diluted | 443.2M | 423.5M | 414.2M | 408.5M | 401.5M |
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 | $200.1B | $199.0B | $230.7B | $246.5B | $272.3B |
| YoY | — | -0.5% | +15.9% | +6.9% | +10.5% |
| Total current liabilities | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total liabilities | $140.3B | $148.5B | $167.0B | $178.2B | $192.5B |
| YoY | — | +5.8% | +12.5% | +6.7% | +8.1% |
| Total equity | $58.3B | $50.5B | $59.5B | $64.0B | $73.8B |
| YoY | — | -13.4% | +17.8% | +7.6% | +15.2% |
| Shares outstanding | 426.6M | 414.6M | 405.3M | 400.7M | 391.1M |
| YoY | — | -2.8% | -2.2% | -1.1% | -2.4% |
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 | $11.2B | $11.3B | $12.6B | $16.2B | $12.8B |
| YoY | — | +1.0% | +12.2% | +28.1% | -20.8% |
| Capital expenditures | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Free cash flow | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Dividends paid | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Share repurchases | $4.9B | $2.9B | $2.4B | $1.8B | $3.7B |
| YoY | — | -40.5% | -16.7% | -25.3% | +105.1% |
Margins & ratios
Derived from the reported dollars above — no separate source.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — |
| Operating margin | — | — | — | — | — |
| Net margin | 20.9% | 12.2% | 18.2% | 16.6% | 17.4% |
| Free cash flow margin | — | — | — | — | — |
| Effective tax rate | 13.0% | 19.1% | 5.4% | 15.8% | 18.6% |
| Current ratio | — | — | — | — | — |
| Total liabilities / equity | 2.41x | 2.94x | 2.81x | 2.78x | 2.61x |
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 |
|---|---|---|---|---|---|---|
| CB FY25 · this stock | $59.4B | +6.5% | — | — | 17.4% | — |
| 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% |
| 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% | — |
| 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.