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 | — | $24.3B | $28.1B | $27.5B | $28.7B |
| YoY | — | — | +15.8% | -2.4% | +4.4% |
| Cost of goods sold | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Research & development | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Pretax income | $10.2B | $7.3B | $6.9B | $7.9B | $9.5B |
| YoY | — | -28.2% | -6.0% | +15.2% | +20.3% |
| Income tax | $2.2B | $1.5B | $1.4B | $1.6B | $1.9B |
| YoY | — | -32.9% | -3.8% | +12.3% | +21.6% |
| Net income | $8.0B | $5.8B | $5.4B | $6.3B | $7.6B |
| YoY | — | -26.8% | -6.8% | +16.0% | +20.2% |
| EPS — basic | $5.11 | $3.69 | $3.27 | $3.79 | $4.62 |
| YoY | — | -27.8% | -11.4% | +15.9% | +21.9% |
| EPS — diluted | $5.10 | $3.69 | $3.27 | $3.79 | $4.62 |
| YoY | — | -27.6% | -11.4% | +15.9% | +21.9% |
| Weighted shares — basic | 1.49B | 1.49B | 1.54B | 1.56B | 1.56B |
| Weighted shares — diluted | 1.49B | 1.49B | 1.54B | 1.56B | 1.56B |
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 | $573.3B | $674.8B | $663.5B | $678.3B | $692.3B |
| YoY | — | +17.7% | -1.7% | +2.2% | +2.1% |
| Total current liabilities | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total liabilities | $517.9B | $623.6B | $607.7B | $619.3B | $626.7B |
| YoY | — | +20.4% | -2.5% | +1.9% | +1.2% |
| Total equity | $54.9B | $50.8B | $55.3B | $58.6B | $65.2B |
| YoY | — | -7.6% | +8.9% | +5.9% | +11.3% |
| Shares outstanding | 1.50B | 1.50B | 1.60B | 1.60B | 1.60B |
| YoY | — | +0.0% | +6.7% | +0.0% | +0.0% |
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 | $9.9B | $21.1B | $8.4B | $11.3B | $8.0B |
| YoY | — | +114.0% | -60.3% | +35.2% | -29.8% |
| Capital expenditures | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Free cash flow | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Dividends paid | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Share repurchases | $1.6B | $69.0M | $62.0M | $173.0M | $489.0M |
| YoY | — | -95.6% | -10.1% | +179.0% | +182.7% |
Margins & ratios
Derived from the reported dollars above — no separate source.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — |
| Operating margin | — | — | — | — | — |
| Net margin | — | 24.0% | 19.3% | 22.9% | 26.4% |
| Free cash flow margin | — | — | — | — | — |
| Effective tax rate | 21.5% | 20.0% | 20.5% | 20.0% | 20.2% |
| Current ratio | — | — | — | — | — |
| Total liabilities / equity | 9.43x | 12.28x | 10.99x | 10.57x | 9.61x |
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 |
|---|---|---|---|---|---|---|
| USB FY25 · this stock | $28.7B | +4.4% | — | — | 26.4% | — |
| 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% | — |
| 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% | — |
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.