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 | $79.2B | $74.4B | $82.6B | $82.3B | $83.7B |
| YoY | — | -6.1% | +11.1% | -0.4% | +1.7% |
| Cost of goods sold | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Research & development | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Pretax income | $29.6B | $15.6B | $21.6B | $23.4B | $25.2B |
| YoY | — | -47.1% | +38.4% | +8.0% | +7.9% |
| Income tax | $5.8B | $2.3B | $2.6B | $3.4B | $3.8B |
| YoY | — | -60.9% | +15.8% | +30.4% | +13.0% |
| Net income | $22.1B | $13.7B | $19.1B | $19.7B | $21.3B |
| YoY | — | -38.1% | +40.0% | +3.0% | +8.2% |
| EPS — basic | $5.13 | $3.30 | $4.88 | $5.43 | $6.34 |
| YoY | — | -35.7% | +47.9% | +11.3% | +16.8% |
| EPS — diluted | $5.08 | $3.27 | $4.83 | $5.37 | $6.26 |
| YoY | — | -35.6% | +47.7% | +11.2% | +16.6% |
| Weighted shares — basic | 4.06B | 3.81B | 3.69B | 3.43B | 3.20B |
| Weighted shares — diluted | 4.10B | 3.84B | 3.72B | 3.47B | 3.24B |
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 | $1,948.1B | $1,881.0B | $1,932.5B | $1,929.8B | $2,148.6B |
| YoY | — | -3.4% | +2.7% | -0.1% | +11.3% |
| Total current liabilities | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total liabilities | $1,758.0B | $1,698.8B | $1,745.0B | $1,748.8B | $1,965.6B |
| YoY | — | -3.4% | +2.7% | +0.2% | +12.4% |
| Total equity | $187.6B | $180.2B | $185.7B | $179.1B | $181.1B |
| YoY | — | -3.9% | +3.1% | -3.6% | +1.1% |
| Shares outstanding | — | 3.83B | 3.60B | 3.29B | 3.09B |
| YoY | — | — | -6.1% | -8.6% | -6.0% |
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 | $-11.5B | $27.0B | $40.4B | $3.0B | $-19.0B |
| YoY | — | +334.7% | +49.2% | -92.5% | -726.1% |
| Capital expenditures | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Free cash flow | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Dividends paid | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Share repurchases | $14.5B | $6.0B | $11.9B | $19.4B | $17.5B |
| YoY | — | -58.3% | +96.4% | +64.1% | -9.9% |
Margins & ratios
Derived from the reported dollars above — no separate source.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — |
| Operating margin | — | — | — | — | — |
| Net margin | 27.9% | 18.4% | 23.2% | 24.0% | 25.5% |
| Free cash flow margin | — | — | — | — | — |
| Effective tax rate | 19.5% | 14.4% | 12.0% | 14.5% | 15.2% |
| Current ratio | — | — | — | — | — |
| Total liabilities / equity | 9.37x | 9.43x | 9.40x | 9.76x | 10.85x |
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 |
|---|---|---|---|---|---|---|
| WFC FY25 · this stock | $83.7B | +1.7% | — | — | 25.5% | — |
| 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% |
| 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.