| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Interest and fees on loans (Note 5) | $4.38B+0.4% | $4.36B+10.9% | $3.93B+6.2% | $3.70B-9.8% | $4.10B-74.3% | $15.95B-14.7% | $18.70B |
| Interest on cash and debt securities | $903.0M-13.9% | $1.05B+29.8% | $808.0M+204.9% | $265.0M+516.3% | $43.0M-63.2% | $117.0M-69.6% | $385.0M |
| Total interest income | $22.60B-0.2% | $22.64B+9.3% | $20.71B+20.8% | $17.15B+12.3% | $15.27B-5.0% | $16.07B-15.8% | $19.09B |
| Interest on deposits | $3.33B-12.5% | $3.81B+28.9% | $2.95B+192.9% | $1.01B+78.1% | $566.0M-48.3% | $1.09B-30.1% | $1.57B |
| Interest on senior and subordinated unsecured notes | $388.0M-3.2% | $401.0M-4.3% | $419.0M+32.2% | $317.0M | — | — | — |
| Total interest expense | $4.13B-10.8% | $4.63B+24.9% | $3.71B+144.0% | $1.52B+47.4% | $1.03B-38.0% | $1.67B-27.3% | $2.29B |
| Net interest income | $18.47B+2.5% | $18.01B+6.0% | $17.00B+8.8% | $15.63B+9.7% | $14.24B-1.1% | $14.40B-14.3% | $16.80B |
| Retailer share arrangements | -$4.00B-17.6% | -$3.41B+6.9% | -$3.66B+15.5% | -$4.33B+4.4% | -$4.53B-24.2% | -$3.65B+5.5% | -$3.86B |
| Provision for credit losses (Note 5) | $973.0M+1.0% | $963.0M+12.4% | $857.0M+134.8% | $365.0M+447.6% | -$105.0M-102.0% | $5.31B+27.0% | $4.18B |
| Net interest income, after retailer share arrangements and provision for credit losses | $9.24B+17.3% | $7.87B+6.8% | $7.37B-6.9% | $7.92B-11.9% | $8.98B+65.0% | $5.45B-37.8% | $8.76B |
| Interchange revenue | $1.07B+4.0% | $1.03B-0.5% | $1.03B+5.0% | $982.0M+11.6% | $880.0M+35.0% | $652.0M-12.8% | $748.0M |
| Protection product revenue | $596.0M+6.0% | $562.0M+10.2% | $510.0M+31.8% | $387.0M+36.3% | $284.0M | — | — |
| Loyalty programs | -$1.44B-4.1% | -$1.38B-0.9% | -$1.37B-9.0% | -$1.26B-26.7% | -$992.0M-52.9% | -$649.0M+12.7% | -$743.0M |
| Other | $696.0M-1.1% | $704.0M-11.2% | $793.0M+11.1% | $714.0M+10.9% | $644.0M-34.0% | $976.0M+9.8% | $889.0M |
| Total other income | $520.0M-65.8% | $1.52B+426.3% | $289.0M-23.9% | $380.0M-21.0% | $481.0M+18.8% | $405.0M+9.2% | $371.0M |
| Employee costs | $2.09B+11.8% | $1.87B-0.6% | $1.88B+12.1% | $1.68B+12.0% | $1.50B+8.8% | $1.38B-5.2% | $1.46B |
| Professional fees | $936.0M+0.0% | $936.0M+11.2% | $842.0M+1.2% | $832.0M+6.4% | $782.0M+3.0% | $759.0M-12.5% | $867.0M |
| Marketing and business development | $511.0M-2.5% | $524.0M-0.6% | $527.0M+8.2% | $487.0M+0.2% | $486.0M+8.5% | $448.0M-18.4% | $549.0M |
| Information processing | $899.0M+12.0% | $803.0M+12.8% | $712.0M+14.3% | $623.0M+13.3% | $550.0M+11.8% | $492.0M+1.4% | $485.0M |
| Total other expense | $5.13B+6.1% | $4.84B+1.7% | $4.76B+9.7% | $4.34B+9.4% | $3.96B-2.3% | $4.05B-4.5% | $4.25B |
| Earnings before provision for income taxes | $4.62B+1.5% | $4.55B+56.8% | $2.90B-26.7% | $3.96B-28.0% | $5.50B+206.2% | $1.80B-63.2% | $4.89B |
| Provision for income taxes (Note 15) | $1.07B+1.4% | $1.05B+58.3% | $666.0M-29.6% | $946.0M-26.2% | $1.28B+211.2% | $412.0M-63.9% | $1.14B |
| Net earnings | $3.55B+1.5% | $3.50B+56.3% | $2.24B-25.8% | $3.02B-28.5% | $4.22B+204.8% | $1.39B-63.0% | $3.75B |
| Net earnings available to common stockholders | $3.47B+1.2% | $3.43B+56.1% | $2.20B-26.2% | $2.97B-28.8% | $4.18B+211.2% | $1.34B-64.2% | $3.75B |
| Basic (in usd per share) | $9380000.00+8.6% | $8640000.00+65.8% | $5210000.00-15.8% | $6190000.00-16.4% | $7400000.00+224.6% | $2280000.00-59.2% | $5590000.00 |
| Diluted (in usd per share) | $9280000.00+8.5% | $8550000.00+64.7% | $5190000.00-15.6% | $6150000.00-16.2% | $7340000.00+223.3% | $2270000.00-59.2% | $5560000.00 |
| Variable Interest Entity, Primary Beneficiary | |||||||
| Interest on borrowings of consolidated securitization entities | $417.0M-2.3% | $427.0M+25.6% | $340.0M+73.5% | $196.0M+16.0% | $169.0M-28.7% | $237.0M-33.8% | $358.0M |
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
Source: SEC EDGAR 10-K and 10-Q filings. Up to 10 years annual / 16 quarters shown.