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.
| Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $13.8B | $14.8B | $14.2B | $13.4B | $14.8B | $16.1B | $15.1B | $14.8B |
| YoY | — | — | — | — | +7.2% | +8.7% | +6.3% | +10.6% |
| Cost of goods sold | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Research & development | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Pretax income | $2.7B | $3.0B | $3.1B | $1.7B | $3.7B | $3.9B | $3.8B | $3.0B |
| YoY | — | — | — | — | +37.3% | +30.1% | +20.9% | +79.9% |
| Income tax | $490.0M | $504.0M | $479.0M | $321.0M | $717.0M | $787.0M | $597.0M | $646.0M |
| YoY | — | — | — | — | +46.3% | +56.2% | +24.6% | +101.2% |
| Net income | $2.2B | $2.3B | $2.6B | $1.3B | $3.0B | $2.8B | $3.2B | $2.3B |
| YoY | — | — | — | — | +33.1% | +20.5% | +24.7% | +74.3% |
| EPS — basic | $5.51 | $5.75 | — | $3.32 | $7.42 | $7.05 | — | $5.94 |
| YoY | — | — | — | — | +34.7% | +22.6% | — | +78.9% |
| EPS — diluted | $5.46 | $5.70 | — | $3.29 | $7.35 | $6.99 | — | $5.88 |
| YoY | — | — | — | — | +34.6% | +22.6% | — | +78.7% |
| Weighted shares — basic | 404.6M | 403.8M | — | 400.7M | 399.9M | 397.3M | — | 390.5M |
| Weighted shares — diluted | 408.6M | 407.9M | — | 404.7M | 403.8M | 400.9M | — | 394.6M |
Balance sheet
Point-in-time values at each quarter (or fiscal year) end.
| Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Marketable securities (current) | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Accounts receivable | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Inventory | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Total current assets | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Total assets | $238.6B | $250.6B | $246.5B | $251.8B | $261.6B | $270.2B | $272.3B | $275.5B |
| YoY | — | — | — | — | +9.6% | +7.8% | +10.5% | +9.4% |
| Total current liabilities | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Total liabilities | $174.0B | $180.4B | $178.2B | $181.0B | $187.1B | $192.4B | $192.5B | $195.5B |
| YoY | — | — | — | — | +7.6% | +6.6% | +8.1% | +8.0% |
| Total equity | $61.0B | $65.8B | $64.0B | $65.7B | $69.4B | $71.9B | $73.8B | $73.8B |
| YoY | — | — | — | — | +13.7% | +9.3% | +15.2% | +12.3% |
| Shares outstanding | 404.1M | 403.0M | 400.7M | 400.7M | 398.7M | 394.3M | 391.1M | 388.5M |
| YoY | — | — | — | — | -1.3% | -2.2% | -2.4% | -3.0% |
Cash flow
Quarterly values derived from year-to-date filings (Q4 from the 10-K). Free cash flow = operating cash flow − capital expenditures.
| Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $4.1B | $4.3B | $4.6B | $1.6B | $3.6B | $3.6B | $4.1B | $3.9B |
| YoY | — | — | — | — | -12.9% | -15.7% | -11.1% | +152.0% |
| Capital expenditures | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Free cash flow | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Dividends paid | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Share repurchases | $652.0M | $295.0M | $450.0M | $691.0M | $746.0M | $1.1B | $1.2B | $1.2B |
| YoY | — | — | — | — | +14.4% | +268.1% | +160.2% | +69.9% |
Margins & ratios
Derived from the reported dollars above — no separate source.
| Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 16.1% | 15.7% | 18.2% | 10.0% | 20.0% | 17.3% | 21.3% | 15.7% |
| Free cash flow margin | — | — | — | — | — | — | — | — |
| Effective tax rate | 18.1% | 16.8% | 15.4% | 19.3% | 19.3% | 20.2% | 15.8% | 21.6% |
| Current ratio | — | — | — | — | — | — | — | — |
| Total liabilities / equity | 2.85x | 2.74x | 2.78x | 2.75x | 2.70x | 2.68x | 2.61x | 2.65x |
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.