OakChart

Credicorp Ltd

BAPFinancial·Banks - Regional·Peru·Large·NYSE·Nov 13 • 5:34 AM ET

365.410.00 (0.00%)
2026-11-13 13:34 CET
Market cap
$29.02B
Revenue, TTM
- USD m
Net income, TTM
2,226.03 USD m
Free cash flow, TTM
1,177.63 USD m
EPS diluted, TTM
28.02
Price / earnings
13.04
Compare

Price

BAP against its 20, 50 and 200-day averages
Terms2050200BeatEarnings
Patternshover a marker to name it
RS 80Sales 1,995Price1,9211,994300.00350.00400.00789K1.6MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26BAPclose 365.4120-day 364.9250-day 375.04200-day 359.93365.4152w high 413.2552-week range, not 6 months

11.6% under the 52-week high of 413.25 on 31 Jul 2026. 52-week low 230.45 on 14 Nov 2025. Last 15 sessions, 12.6% high to low

Volume 0.04× normal · the line is the 50-bar volume average

Setup. RS line 80
CANSLIM 2 of 6 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); 52-Week High/Low: 0-10% below High; Performance: Year +50%
VCP 4 of 6 — fails: 52-Week High/Low: 0-10% below High; Average True Range: Under 2
Minervini 2 of 4 — fails: 52-Week High/Low: 0-10% below High; Performance: Year +50%
Zanger 1 of 5 — fails: RSI (14): Not Oversold (>50); Performance: Week +10%; 20-Day High/Low: 0-5% below High; Relative Volume: Over 1.5
Leaders 1 of 5 — fails: 50-Day Simple Moving Average: Price above SMA50; Performance: Year +50%; Average Volume: Over 500K; 52-Week High/Low: 0-10% below High
Breakout 1 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2; 50-Day Simple Moving Average: Price above SMA50
Growth 1 of 4 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); EPS Growth Next Year: High (>25%)
Quality 3 of 5 — fails: Debt/Equity: Low (<0.1); Current Ratio: Over 1
Value 2 of 4 — fails: P/B: Under 2; Debt/Equity: Low (<0.1)
Income 3 of 4 — fails: Payout Ratio: Low (<20%)
Small Cap 2 of 4 — fails: Average Volume: Over 500K; Performance: Year +50%
Accumulation 3 of 4 — fails: Institutional Transactions: Over +10%
Relative Strength 1 of 3 — fails: Performance: Year +100%; Average Volume: Over 500K

Profile

BAP
52-week range, 74% of the way up
230.45413.25

Credicorp Ltd. operates as a holding company, which engages in the provision of financial services. It operates through the following segments: Universal Banking; Microfinance; Insurance and Pensions; and Investment Banking and Wealth Management. The Universal Banking segment focuses on lending and investment services. The Microfinance segment consists of subsidiaries offering commercial banking activities and specialized financial services to support small and micro business clients. The Insurance and Pensions segment offers insurance products for property and casualty, life insurance business, and corporate health insurance and medical services. The Investment Banking and Wealth Management segment comprises of asset management, capital markets, corporate finance, and wealth management business units. The company was founded on August 17, 1995 and is headquartered in Lima, Peru.

Employees51005
IPOOct 25, 1995
Beta0.82
ATR, 14d12.25
Rel volume0.04
Short float2.13%
Insider own29.38%
Inst own73.74%

Snapshot

6 groups

Valuation

Index-
Market Cap$29.02B
Enterprise Value-
Income2.23B
Sales9.63B
Book / share145.57
Cash / share-
Dividend Est.15.16 (4.15%)
Dividend TTM14.48 (3.96%)
Dividend Ex-DateMay 18, 2026
Dividend Gr. 3/5Y29.16% 64.28%
Payout59.19%
Employees51005
IPOOct 25, 1995

Ratios

Price / earnings13.04
Forward price / earnings10.95
Price / earnings / growth0.76
Price / sales3.01
Price / book2.51
Price / cash-
Price / free cash flow24.64
Value / cash profit-
Value / sales-
Quick Ratio-
Current Ratio0.35
Debt / equity0.85
Long-term debt / equity0.46
Options and shortYes / Yes

Earnings

Earnings / share28.02
Earnings next year33.39
Earnings next quarter6.91
Earnings this year14.02%
Earnings next year15.06%
Earnings growth, 5 years14.45%
Past earnings growth17.09% 81.27%
Past sales growth12.94% 8.79%
Earnings vs last year25.74%
Sales vs last year23.70%
Earnings vs last quarter16.05%
Sales vs last quarter17.45%
EarningsNov 09 AMC
Surprise-1.51% 2.02%

Ownership

Insiders own29.38%
Insider trades-0.02%
Institutions own73.74%
Institution trades-1.19%
Return on assets2.83%
Return on equity20.14%
Return on capital13.19%
Gross Margin-
Operating margin33.72%
Profit Margin23.11%
20-day average0.14%
50-day average-2.57%
200-day average1.52%

Technical

Shares out79.42M
Shares floating56.09M
Short / float2.13%
Short ratio3.57
Short interest1.20M
52-week high413.25 -11.6%
52-week low230.45 +58.6%
Volatility4.91% 3.67%
Average range12.25
Strength index48.67
Market sensitivity0.82
Relative volume0.04
Avg Volume334.96K
Volume622

Performance

Perf Week5.02%
Perf Month-5.92%
Perf Quarter-3.40%
Perf Half Y15.52%
Perf YTD27.32%
Perf Year44.92%
Perf 3Y219.06%
Perf 5Y189.67%
Perf 10Y142.29%
Recommendation1.46
Target Price447.80
Prev Close365.41
Price365.41
Change %0.00%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Jun 17, 2026UpgradeMorgan StanleyEqual-Weight → Overweight$480+31.4%
Jun 15, 2026DowngradeJP MorganOverweight → Neutral$415+13.6%
May 19, 2026UpgradeHSBC SecuritiesHold → Buy$350-4.2%
Sep 05, 2025DowngradeHSBC SecuritiesBuy → Hold$255-30.2%
Dec 16, 2024DowngradeBofA SecuritiesBuy → Neutral
Dec 15, 2023UpgradeJP MorganNeutral → Overweight$162 → $190-48.0%
Oct 16, 2023InitiatedJefferiesBuy$161.20-55.9%
Jul 07, 2023UpgradeScotiabankSector Perform → Sector Outperform$207-43.4%
Jan 03, 2023UpgradeItau BBAMarket Perform → Outperform$156-57.3%
Dec 14, 2022ResumedCredit SuisseOutperform$142-61.1%

Peers

Mkt cap
TickerCompanyMkt cap
IFSIntercorp Financial Services Inc5.91B
BCHBanco de Chile ADR19.52B
BSACBanco Santander Chile SA ADR15.06B
CIBGrupo Cibest SA ADR9.67B
ITUBItau Unibanco Holding SA ADR40.08B
BBDBanco Bradesco SA ADR14.00B
NUNu Holdings Ltd59.38B
AVALGrupo Aval Acciones y Valores SA ADR1.49B
BBVABanco Bilbao Vizcaya Argentaria SA ADR141.69B
GGALGrupo Financiero Galicia ADR3.87B

Insider trading

2 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Cavero Diego AntonioCEO Head Universal BankingJun 05 '26Sale319.003,5001,116,5007,307Jun 09 02:29 PM
Perez-Reyes AlejandroCFOMay 21 '26Sale337.501,073362,1381,745May 26 09:52 AM

Held by

AUM
TickerCompanyAUM
IEMGiShares Core MSCI Emerging Markets ETFAUM: 149.06B
ILFiShares Latin America 40 ETFAUM: 3.40B
EPUiShares MSCI Peru and Global Exposure ETFAUM: 503.77M
VYMVanguard High Dividend Yield Indx ETFAUM: 83.97B
EMXCIShares MSCI Emerging Markets ex China ETFAUM: 25.94B
EEMiShares MSCI Emerging Markets ETFAUM: 28.87B
AVEMAvantis Emerging Markets Equity ETFAUM: 27.47B
SPEMState Street SPDR Portfolio Emerging Markets ETFAUM: 16.56B
IXUSiShares Core MSCI Total International Stock ETFAUM: 58.25B
EEMViShares MSCI Emerging Markets Min Vol Factor ETFAUM: 3.44B

News

latest 14 of 200

Quarterly earnings

2026Q3 EPS 7.059 missed 7.167, from 6.471 a year earlier. Sales 1,947 beat 1,908, from 1,670 a year earlier
EPS
7.51402024Q4 EPS 3.799 against 4.41824Q42025Q1 EPS 6.05325Q12025Q2 EPS 6.401 against 5.96025Q22025Q3 EPS 6.471 against 6.43725Q32025Q4 EPS 5.932 against 6.53625Q42026Q1 EPS 7.514 against 6.90326Q12026Q2 EPS 7.403 against 7.38026Q22026Q3 EPS 7.059 against 7.16726Q3
Sales, USD millions
1,94702024Q4 sales 1,426 against 1,44524Q42025Q1 sales 1,52925Q12025Q2 sales 1,640 against 1,52625Q22025Q3 sales 1,670 against 1,67425Q32025Q4 sales 1,678 against 1,74925Q42026Q1 sales 1,789 against 1,75326Q12026Q2 sales 1,859 against 1,84226Q22026Q3 sales 1,947 against 1,90826Q3

The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.

PeriodReportedEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mSurpriseYear-ago quarterAnalystsNext session
2026Q3ended 2026-09-302026-11-09 16:307.0597.1677.6511,9471,908EPS -1.5% · sales +2.0%vs 2025Q3, year-ago quarter · EPS +9.1% · sales +16.6%6Open -5.54% vs SPY -0.63%. Close +3.34% vs SPY -0.37%
2026Q2ended 2026-06-302026-08-14 08:307.4037.3807.2751,8591,842EPS +0.3% · sales +0.9%vs 2025Q2, year-ago quarter · EPS +15.7% · sales +13.3%6 EPS · 5 salesOpen +2.44% vs SPY +0.08%. Close +2.99% vs SPY -0.20%
2026Q1ended 2026-03-312026-05-14 16:307.5146.9037.6611,7891,753EPS +8.8% · sales +2.1%vs 2025Q1, year-ago quarter · EPS +24.1% · sales +17.0%6 EPS · 3 salesOpen -1.77% vs SPY -0.85%. Close -3.47% vs SPY -1.20%
2025Q4ended 2025-12-312026-02-13 08:305.9326.5365.9011,6781,749EPS -9.2% · sales -4.0%vs 2024Q4, year-ago quarter · EPS +56.1% · sales +17.7%6 EPS · 4 salesOpen -4.93% vs SPY +0.06%. Close -3.30% vs SPY +0.07%
2025Q3ended 2025-09-302025-11-14 08:306.4716.4376.1921,6701,674EPS +0.5% · sales -0.2%vs 2024Q3, year-ago quarter · EPS +27.1% · sales +20.2%6 EPS · 5 salesOpen -6.40% vs SPY -0.99%. Close +0.65% vs SPY -0.02%
2025Q2ended 2025-06-302025-08-15 08:306.4015.9606.2741,6401,526EPS +7.4% · sales +7.5%vs 2024Q2, year-ago quarter · EPS +41.9% · sales +19.1%6 EPS · 5 salesOpen -1.01% vs SPY +0.16%. Close +0.61% vs SPY -0.23%
2025Q1ended 2025-03-312025-06-16 16:306.053-6.0451,529-EPS - · sales -vs 2024Q1, year-ago quarter · EPS +18.6% · sales +16.5%-Open -0.82% vs SPY -0.41%. Close +0.22% vs SPY -0.85%
2024Q4ended 2024-12-312025-02-11 08:303.7994.4183.7651,4261,445EPS -14.0% · sales -1.3%vs 2023Q4, year-ago quarter · EPS +38.2% · sales +13.7%6 EPS · 5 salesOpen +0.62% vs SPY -0.38%. Close -1.36% vs SPY +0.08%
2024Q3ended 2024-09-302024-11-07 16:305.0904.7445.0991,3891,436EPS +7.3% · sales -3.2%vs 2023Q3, year-ago quarter · EPS +25.4% · sales +13.9%5 EPS · 4 salesOpen -1.44% vs SPY +0.09%. Close +1.43% vs SPY +0.43%
2024Q2ended 2024-06-302024-08-08 16:304.5104.8994.5001,3771,389EPS -7.9% · sales -0.9%vs 2023Q2, year-ago quarter · EPS -5.0% · sales +9.8%6 EPS · 5 salesOpen -3.58% vs SPY -0.16%. Close -1.84% vs SPY +0.44%
2024Q1ended 2024-03-312024-05-09 16:305.1034.4105.0541,3121,348EPS +15.7% · sales -2.7%vs 2023Q1, year-ago quarter · EPS +8.8% · sales +8.9%6Open +2.39% vs SPY +0.32%. Close -0.61% vs SPY +0.13%
2023Q4ended 2023-12-312024-02-09 08:302.7492.7862.7881,2541,300EPS -1.3% · sales -3.5%vs 2022Q4, year-ago quarter · EPS -21.3% · sales +5.1%6 EPS · 5 salesOpen -0.07% vs SPY +0.10%. Close +1.43% vs SPY +0.58%
2023Q3ended 2023-09-302023-11-02 16:304.0604.1274.2351,2201,283EPS -1.6% · sales -4.9%vs 2022Q3, year-ago quarter · EPS -1.1% · sales +12.5%3 EPS · 5 sales-
2023Q2ended 2023-06-302023-08-11 08:304.7494.4284.7581,2541,316EPS +7.2% · sales -4.7%vs 2022Q2, year-ago quarter · EPS +31.5% · sales +23.8%7 EPS · 6 sales-
2023Q1ended 2023-03-312023-05-06 16:304.6924.2914.5621,2051,222EPS +9.3% · sales -1.4%vs 2022Q1, year-ago quarter · EPS +24.6% · sales +20.7%7 EPS · 5 sales-
2022Q4ended 2022-12-312023-02-10 08:303.4923.9823.4461,1931,166EPS -12.3% · sales +2.3%vs 2021Q4, year-ago quarter · EPS +1.1% · sales +16.5%6 EPS · 5 sales-

Annual earnings

2025FY EPS 25.875 beat 25.750, from 18.593 a year earlier. Sales 6,577 missed 6,687, from 5,529 a year earlier
EPS
25.87502018FY EPS 15.043 against 15.58920182019FY EPS 15.930 against 16.51520192020FY EPS 1.200 against 0.91520202021FY EPS 11.712 against 11.23920212022FY EPS 15.091 against 15.41520222023FY EPS 15.830 against 16.02720232024FY EPS 18.593 against 19.29020242025FY EPS 25.875 against 25.7502025
Sales, USD millions
6,68702018FY sales 3,941 against 3,93120182019FY sales 4,337 against 4,31620192020FY sales 3,562 against 3,63720202021FY sales 3,666 against 3,72720212022FY sales 3,968 against 4,15120222023FY sales 4,825 against 5,12320232024FY sales 5,529 against 5,74020242025FY sales 6,577 against 6,6872025

Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.

earnings feed, not the snapshot. Not the statement ratio.

PeriodEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mP/E, earnings feed
2029FYestimate-39.633---9.22
2028FYestimate-38.148--9,3949.58
2027FYestimate-33.385--8,44010.95
2026FYestimate-29.015--7,53012.59
2025FY25.87525.75023.8946,5776,68711.09
2024FY18.59319.29018.4055,5295,7409.86
2023FY15.83016.02716.3194,8255,1239.32
2022FY15.09115.41515.2033,9684,1518.84
2021FY11.71211.23911.5773,6663,72710.25
2020FY1.2000.9151.2463,5623,637134.52
2019FY15.93016.51516.0394,3374,31613.16
2018FY15.04315.58915.2103,9413,93114.33
2017FY14.53014.63615.7493,9703,82313.89
2016FY12.88312.91913.0803,6943,68011.92
2015FY11.23011.33212.1923,3673,33432.54
2014FY10.39110.90410.3623,5243,51235.17
2013FY7.1787.7037.0323,0123,02250.91
2012FY9.8429.8749.9012,7872,75237.13
2011FY8.8148.6778.8912,3422,07341.46
2010FY7.1417.3007.1951,9941,97251.17

Estimate revisions

Latest snapshot of each period and type. 2026FY E 29.25 per share.
PeriodTypeScaleDateMeanvs prior date
2026FYEper share2026-11-1129.25+0.8%
2026FYRper share2026-11-1129.27+0.7%
2026Q4Eper share2026-11-106.91+0.5%
2026Q4Rper share2026-11-107.07-0.2%
2026FYSUSD millions2026-11-107,530+0.8%
2026Q4SUSD millions2026-11-101,995+0.5%
2026Q3Eper share2026-11-027.22-0.5%
2026Q3Rper share2026-11-027.37-0.5%
2026Q3SUSD millions2026-11-021,907-0.5%
2026Q2Eper share2026-08-097.38+0.3%
2026Q2Rper share2026-08-097.28+0.7%
2026Q2SUSD millions2026-08-081,842+0.7%
2026Q1Eper share2026-05-036.90-2.3%
2026Q1Rper share2026-04-217.00+0.5%
2026Q1SUSD millions2026-04-201,571-0.2%
2025FYEper share2026-02-1125.75-0.4%
2025FYRper share2026-02-0325.71-0.7%
2025Q4SUSD millions2026-02-031,749-1.1%
2025FYSUSD millions2026-02-016,687+0.4%
2025Q4Eper share2026-01-286.54+0.3%
2025Q4Rper share2026-01-286.76+0.3%
2025Q3Eper share2025-11-146.47+0.6%
2025Q3Rper share2025-11-146.35+1.1%
2025Q3SUSD millions2025-11-141,659-0.9%
2025Q2Eper share2025-08-155.98+0.3%
2025Q2Rper share2025-08-135.89+0.9%
2025Q2SUSD millions2025-08-051,526-2.0%
2025Q1Eper share2025-05-165.51+1.2%
2025Q1SUSD millions2025-05-161,488-2.1%
2025Q1Rper share2025-05-065.41+1.5%
2024FYSUSD millions2025-02-025,740-0.3%
2024FYEper share2025-01-2719.29-0.1%
2024Q4Eper share2025-01-274.42-1.3%
2024FYRper share2025-01-2418.97+0.1%
2024Q4SUSD millions2025-01-241,445-0.8%
2024Q4Rper share2025-01-234.39+0.3%
2024Q3Eper share2024-10-274.74+0.4%
2024Q3Rper share2024-10-274.560.0%
2024Q3SUSD millions2024-10-231,4360.0%
2024Q2Eper share2024-08-074.90+1.3%
2024Q2Rper share2024-08-074.64+0.8%
2024Q2SUSD millions2024-08-071,389+0.6%
2024Q1Eper share2024-05-084.42-0.7%
2024Q1Rper share2024-05-084.36-1.1%
2024Q1SUSD millions2024-04-241,351+1.6%
2023FYEper share2024-02-0216.00-0.5%
2023FYRper share2024-02-0215.91-0.9%
2023FYSUSD millions2024-02-025,114-0.9%

Estimate history

Annual
Metric201720182019202020212022202320242025TTMMRQ
EPS per share15.74915.2116.0391.24611.57715.20316.31918.40524.41228.023-
Sales USD millions5,4015,4355,8465,2464,9895,5496,8247,3967,9939,634-
Shares million shares798080798080797979-79
Quarterly
MetricQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
EPS per share5.0993.7656.0456.2746.1925.9017.6617.2757.186
Sales USD millions1,8021,8151,8292,0322,1122,4862,2772,3902,481
Shares million shares797979797979797979

Income statement, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Interest Income6,321.455,587.44+5.6%5,292.74+5.4%5,022.14+28.3%3,913.22+28.3%3,049.30-7.7%3,303.21-11.0%3,709.91+5.8%3,505.56
Total Interest Expense1,539.141,461.66-4.6%1,532.77-2.1%1,565.68+53.2%1,021.80+59.4%640.92-24.7%851.37-13.6%985.75+6.8%922.90
Net Interest Income4,782.314,125.78+9.7%3,759.97+8.8%3,456.46+19.5%2,891.42+20.1%2,408.38-1.8%2,451.84-10.0%2,724.15+5.5%2,582.66
Loan Loss Provision791.25681.90-27.5%940.77-3.1%970.93+103.5%477.13+49.5%319.21-81.3%1,708.30+207.5%555.51+18.7%468.18
Net Interest Income After Loan Loss Provision3,991.073,443.88+22.2%2,819.20+13.4%2,485.53+3.0%2,414.30+15.6%2,089.16+181.0%743.54-65.7%2,168.64+2.6%2,114.48
Non-Interest Income3,312.732,405.22+14.4%2,102.89+16.7%1,801.91+10.2%1,635.36-15.7%1,939.50-0.2%1,942.97-9.0%2,135.75+10.7%1,929.72
Non-Interest Expense4,055.473,052.25+9.2%2,794.77+15.2%2,426.76+7.9%2,250.07-14.8%2,642.34+2.9%2,566.95+0.8%2,546.24+7.0%2,378.64
Operating Income3,248.332,796.85+31.5%2,127.31+14.3%1,860.68+3.4%1,799.59+29.8%1,386.32+1059.5%119.56-93.2%1,758.16+5.6%1,665.56
Unusual Expense-5.0122.24-47.3%42.22+12.5%37.54+354.5%8.26-44.4%14.86-66.8%44.79+587.0%6.52-43.9%11.62
Net Income Before Taxes3,205.012,790.87+33.4%2,091.82+14.3%1,829.58+2.2%1,791.07+30.5%1,372.22+2040.1%64.12-96.4%1,790.44+5.2%1,701.33
Income Taxes936.05803.18+37.0%586.37+16.2%504.51-8.3%550.18+28.7%427.40-31.46-106.5%486.35+5.1%462.71
Consolidated Net Income2,276.961,985.63+32.6%1,497.91+13.0%1,325.06+6.8%1,240.89+31.3%944.82+888.5%95.58-92.7%1,304.08+5.3%1,238.62
Net Income From Continuing Operations2,226.031,941.54+32.5%1,465.42+12.7%1,299.86+7.3%1,211.62+31.4%922.37+829.5%99.23-92.2%1,278.01+5.4%1,212.02
Net Income2,226.031,941.54+32.5%1,465.42+12.7%1,299.86+7.3%1,211.62+31.4%922.37+829.5%99.23-92.2%1,278.01+5.4%1,212.02
EPS (Recurring) per share28.0024.61+31.0%18.78+12.8%16.65+9.0%15.28+30.5%11.71+614.0%1.64-89.8%16.10+5.2%15.31
EPS (Basic, Before Extraordinaries) per share28.0324.46+32.6%18.44+12.7%16.36+7.3%15.24+31.4%11.60+828.0%1.25-92.2%16.08+5.4%15.25
EPS (Diluted) per share28.0224.41+32.6%18.41+12.8%16.32+7.4%15.20+31.3%11.58+826.4%1.25-92.2%16.04+5.5%15.21
Non-Operating Income (Expense)-48.3216.26+142.0%6.72+4.5%6.43-0.26-134.7%0.75-10.64-127.4%38.80-18.1%47.39
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense39.4929.46+50.7%19.55+25.5%15.58+3.0%15.12+12.7%13.42-35.8%20.90-17.6%25.36+10.6%22.92
Price To Earnings Ratio ratio statement ratio, not the snapshot13.0313.0310.508.668.9210.43140.1113.0514.13
Price To Sales Ratio ratio3.132.861.971.751.951.952.492.913.25
Operating Margin %33.7234.9928.7627.2732.4327.792.2830.0830.64
Net Margin %23.1124.2919.8119.0521.8418.491.8921.8622.30
Shares Outstanding million shares79.4279.37-0.1%79.44-0.1%79.500.0%79.530.0%79.53+0.1%79.47-0.1%79.51-0.3%79.76
Market Capitalization29,020.5029,020.50+99.0%14,580.01+24.3%11,730.53+10.5%10,612.30+10.8%9,578.13-25.6%12,869.79-23.0%16,723.19-2.8%17,197.47

Income statement, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Interest Income1,690.61+19.8%1,578.46+17.2%1,538.20+16.3%1,514.18+13.5%1,411.36+6.2%1,346.42+2.1%1,323.14+1.0%1,334.53+3.7%
Total Interest Expense407.02+10.7%383.96+7.4%368.79+3.1%379.37+3.1%367.82-1.6%357.49-8.8%357.57-10.4%368.06-8.5%
Net Interest Income1,283.58+23.0%1,194.50+20.8%1,169.42+21.1%1,134.81+17.4%1,043.54+9.2%988.93+6.7%965.58+6.0%966.47+9.2%
Loan Loss Provision244.86+43.5%213.19+35.5%142.27-9.6%190.93-3.5%170.61-26.1%157.33-46.2%157.30-27.4%197.91-36.2%
Net Interest Income After Loan Loss Provision1,038.72+19.0%981.31+18.0%1,027.15+27.1%943.88+22.8%872.93+20.5%831.61+31.0%808.28+16.4%768.56+33.7%
Non-Interest Income789.95+12.7%811.99+18.4%739.17+46.0%971.63+102.4%700.69+48.1%685.60+37.2%506.27+9.2%480.07-0.3%
Non-Interest Expense982.66+15.5%959.05+22.3%909.66+32.5%1,204.10+71.6%850.51+34.8%783.99+24.7%686.39+11.7%701.83-3.4%
Operating Income846.00+17.0%834.25+13.8%856.66+36.4%711.41+30.1%723.11+27.6%733.21+45.1%628.16+15.5%546.80+66.0%
Unusual Expense2.21-56.2%-3.27-333.6%0.16-98.7%-4.10-138.4%5.041.40+115.4%12.1310.68
Net Income Before Taxes824.56+16.5%826.21+18.2%858.68+26.1%695.57+48.8%707.86+26.0%698.96+38.6%681.01+23.7%467.47+36.5%
Income Taxes242.72+17.8%237.43+24.5%238.71+25.4%217.18+36.3%206.09+39.6%190.65+37.4%190.43+35.5%159.32+38.7%
Consolidated Net Income583.64+16.0%590.57+15.8%622.71+26.9%480.04+55.8%503.25+21.5%510.01+39.6%490.58+19.6%308.15+36.8%
Net Income From Continuing Operations570.49+16.0%577.85+15.9%608.85+26.7%468.85+56.3%491.98+21.4%498.39+39.3%480.54+19.5%300.00+34.8%
Net Income570.49+16.0%577.85+15.9%608.85+26.7%468.85+56.3%491.98+21.4%498.39+39.3%480.54+19.5%300.00+34.8%
EPS (Recurring) per share7.21+15.5%7.25+15.3%7.66+24.6%5.86+51.4%6.24+22.8%6.29+39.5%6.15+22.0%3.87+38.7%
EPS (Basic, Before Extraordinaries) per share7.19+16.2%7.28+15.9%7.67+26.8%5.90+56.5%6.19+21.4%6.28+39.6%6.05+19.6%3.77+34.6%
EPS (Diluted) per share7.19+16.2%7.28+16.1%7.66+26.8%5.90+56.9%6.19+21.4%6.27+39.3%6.04+19.6%3.76+34.8%
Non-Operating Income (Expense)-19.24-11.322.18-96.6%-19.95-10.21-32.8564.98+1098.9%-68.65-626.1%
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense12.37+48.9%9.40+7.9%10.27+103.8%7.45+54.9%8.31+56.2%8.71+73.2%5.04+10.8%4.81+17.9%
Price To Earnings Ratio ratio statement ratio, not the snapshot13.0314.9613.8912.8712.5611.5110.1010.50
Price To Sales Ratio ratio3.133.343.032.702.722.372.042.02
Operating Margin %34.1134.9037.6228.6234.2436.0834.3430.13
Net Margin %23.0024.1726.7318.8623.2924.5326.2716.53
Shares Outstanding million shares79.42+0.1%79.42+0.1%79.45+0.1%79.37-0.1%79.37-0.1%79.37-0.1%79.37-0.1%79.44-0.1%
Market Capitalization29,020.50+37.0%30,984.51+74.3%26,976.04+82.2%22,826.00+56.6%21,178.07+47.1%17,777.24+40.8%14,805.88+11.7%14,580.01+24.3%

Balance sheet, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/20182017FY12/31/2017
Cash & Due from Banks12,917.02+12.7%11,460.97+40.0%8,185.88+3.1%7,937.22+1.3%7,836.41-12.4%8,940.94+23.6%7,233.43+26.1%5,737.57-7.9%6,229.16
Investments16,784.54+12.7%14,890.80+0.7%14,779.99+17.0%12,629.67-4.5%13,227.97-19.0%16,331.95+38.0%11,837.59+5.4%11,225.84-11.9%12,736.29
Net Loans43,572.91+16.2%37,493.30+0.0%37,475.53-0.2%37,545.57+2.7%36,556.06+1.0%36,207.40+7.4%33,715.94+5.8%31,879.63+5.2%30,314.45
Investment in Unconsolidated Affiliates19.43-90.4%203.34+0.6%202.20+6.1%190.64+15.5%165.06-7.6%178.55-6.0%189.91+10.2%172.30-21.2%218.75
Customer Liability on Acceptances102.87-26.8%140.59+26.2%111.38-39.3%183.47+37.5%133.41+6.0%125.88-22.1%161.64-43.6%286.51+74.5%164.18
Real Estate Assets263.42+25.1%210.62+15.9%181.72+1.2%179.53+18.4%151.66-8.9%166.41-7.3%179.48+5.8%169.70-0.7%170.92
Net Property, Plant & Equipment870.30+64.3%529.81+0.2%528.86+6.3%497.36+1.2%491.40-14.5%574.41-15.5%679.54+55.1%438.27-5.9%465.82
Interest Receivables646.27+8.9%593.45-2.9%611.33+10.7%552.40+18.5%466.15-2.4%477.50+29.5%368.84+4.5%353.07+5.0%336.26
Deferred Tax Assets413.86+32.8%311.66-2.4%319.29+7.3%297.56+0.9%295.02-37.0%468.21+197.7%157.30+14.6%137.26-7.3%148.14
Other Intangible Assets3,920.03+68.2%2,330.43+10.5%2,109.89+22.8%1,718.37-15.4%2,030.43-6.0%2,159.51-2.4%2,212.55+7.0%2,067.86-4.2%2,159.06
Total Assets79,510.66+16.6%68,164.96+5.7%64,506.07+4.5%61,731.78+0.6%61,353.57-6.5%65,630.76+15.7%56,736.23+8.1%52,468.02-0.3%52,606.78
Total Deposits50,085.92+18.0%42,444.90+8.3%39,183.48+3.4%37,901.98+2.5%36,964.43-4.8%38,829.33+16.7%33,265.00+9.0%30,518.65+3.3%29,550.57
Total Debt10,172.47-0.2%10,197.85-1.5%10,351.10-2.8%10,650.93-12.9%12,227.54-14.7%14,336.39+43.2%10,012.89-0.4%10,051.80-15.1%11,843.36
Long Term Debt6,590.39+22.5%5,381.64-5.3%5,685.51-10.9%6,379.95-12.5%7,294.09-27.0%9,994.12+47.0%6,799.48+29.3%5,259.26-16.3%6,281.83
Provision for Risks Charges296.41+8.0%274.34-1.4%278.12-17.3%336.37+11.1%302.63+4.1%290.62+29.4%224.59+7.7%208.52-5.9%221.68
Deferred Tax Liabilities112.10+613.6%15.71-45.9%29.04+47.6%19.67-25.3%26.33-9.7%29.17-28.0%40.53+26.1%32.15-30.7%46.38
Other Liabilities7,217.01+21.9%5,922.04+3.5%5,722.76+13.0%5,062.19+0.1%5,057.62-1.0%5,110.83-0.1%5,115.45+14.3%4,474.40+9.7%4,077.43
Total Liabilities67,883.91+15.3%58,854.83+5.9%55,564.50+3.0%53,971.14-1.1%54,578.54-6.9%58,596.33+20.4%48,658.46+7.4%45,285.52-1.0%45,739.42
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity11,409.91+24.8%9,142.23+4.3%8,766.81+15.3%7,605.52+14.5%6,639.55-3.7%6,896.27-13.0%7,924.24+12.3%7,056.16+5.1%6,713.95
Total Shareholders Equity11,409.91+24.8%9,142.23+4.3%8,766.81+15.3%7,605.52+14.5%6,639.55-3.7%6,896.27-13.0%7,924.24+12.3%7,056.16+5.1%6,713.95
Accumulated Minority Interest216.84+29.1%167.90-3.9%174.76+12.7%155.12+14.5%135.48-1.9%138.16-10.0%153.53+21.5%126.34-17.6%153.41
Total Equity11,626.75+24.9%9,310.13+4.1%8,941.57+15.2%7,760.64+14.5%6,775.03-3.7%7,034.43-12.9%8,077.77+12.5%7,182.50+4.6%6,867.37
Total Liabilities & Stockholders Equity79,510.66+16.6%68,164.96+5.7%64,506.07+4.5%61,731.78+0.6%61,353.57-6.5%65,630.76+15.7%56,736.23+8.1%52,468.02-0.3%52,606.78
Book Value Per Share per share143.76+24.9%115.09+4.4%110.28+15.3%95.63+14.6%83.48-3.8%86.78-12.9%99.66+12.6%88.47+4.7%84.47
Tangible Book Value Per Share per share125.91+21.0%104.07+4.8%99.32+15.4%86.07+14.9%74.94-3.4%77.60-13.8%90.05+11.4%80.84+5.3%76.79
Tier 1 Capital10,388.61+24.9%8,318.68+72.3%4,828.23+8.6%4,446.05+15.6%3,846.90-9.1%4,233.27---
Tier 2 Capital2,640.96+13.3%2,331.27-44.6%4,207.04+8.4%3,880.95+7.6%3,605.84-4.5%3,775.19---
Full-Time Employees people51,005+31.9%38,676+4.3%37,074+0.3%36,968+1.7%36,358-1.2%36,806+2.7%35,828+5.3%34,024+1.2%33,636
Price to Book Ratio ratio2.511.621.421.561.441.862.112.432.38
Return on Assets %2.632.212.051.971.450.162.342.312.53
Return on Equity %18.8916.3715.8817.0113.631.3417.0617.6019.96
Return on Invested Capital %10.7910.098.998.666.620.598.689.849.66
Current Ratio ratio0.410.400.330.330.330.360.420.360.55

Cash flow, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Funds from Operations2,590.002,174.71-5.3%2,296.21+20.1%1,912.29+10.6%1,729.01+10.8%1,560.17-1.3%1,580.28-12.2%1,799.38-0.4%1,806.52
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-1,339.28397.24+18.0%336.58-59.7%834.70-9.1%917.78+253.5%259.63-3.4%268.75+110.9%127.40+80.3%70.67
Cash from Operating Activities1,250.722,571.95-2.3%2,632.79-4.2%2,746.99+3.8%2,646.79+45.4%1,819.80-1.6%1,849.03-4.0%1,926.79+2.6%1,877.19
Capital Expenditures-455.88-355.68-296.06-307.54-233.67-164.69-181.17-151.83-182.92
Net Assets From Acquisitions105.17-203.870.00-1.490.000.000.00-112.650.00
Sale of Fixed Assets and Businesses48.1844.93+71.8%26.16+84.2%14.20+914.3%1.40-52.5%2.95-55.1%6.57-38.0%10.59-63.4%28.92
Purchase or Sale of Investments264.70116.49-53.46-1,566.99-487.3%404.55-73.5%1,525.71-4,927.76-977.8%561.36-48.3%1,086.02
Purchase of Investments-455.07-478.85-631.82-1,899.71-317.04-951.44-5,996.98-595.34-1,422.22
Sale Or Maturity of Investments719.77595.33+2.9%578.36+73.8%332.73-53.9%721.59-70.9%2,477.16+131.7%1,069.22-7.6%1,156.70-53.9%2,508.24
Other Uses-53.18-50.460.000.000.000.000.000.000.00
Other Sources32.020.000.000.000.000.000.000.000.00
Cash from Investing Activities-4,031.70-4,218.56-1,511.74-2,157.11-1,231.53-1,109.39-10,982.61-1,662.27-2,182.15
Cash Dividends Paid-1,216.17-891.92-976.18-532.72-311.89-102.62-684.47-669.17-343.91
Change in Capital Stock-40.08-33.43-29.54-22.86-19.20-14.19-43.45-30.93-29.03
Repurchase of Common Pref Stock-40.08-33.43-29.54-22.86-21.79-15.16-43.45-30.93-29.03
Sale of Common Pref Stock0.000.000.000.00-100.0%2.59+167.0%0.970.000.000.00
Proceedsfrom Stock Options0.000.000.000.00-100.0%2.59+167.0%0.970.000.000.00
Issuance or Reduction of Debt, Net-1,293.86-725.45-52.71-426.01-2,015.04-1,241.80-124.7%5,026.34-496.57-1,541.34
Change in Long Term Debt-1,085.79-1,030.38-333.57-200.5%331.91-15.5%392.65+27.6%307.75-730.93-2128.1%36.04-303.38
Issuance of Long Term Debt---331.91-15.5%392.65+27.6%307.75+57.2%195.73-40.5%328.78-
Reduction of Long Term Debt-1,085.79-1,030.38-333.57--24.69-1,266.70-926.65-292.74-303.38
Net Financing Active Other Cash Flow724.08-33.88-28.44-16.58-12.66-1.07-9.23-15.87-13.73
Other Financing Activities Uses724.08-33.88-28.44-16.58-12.66-1.07-9.23-15.87-13.73
Cash from Financing Activities2,058.133,097.57+28.8%2,405.60-440.19-2,418.18-767.02-106.6%11,629.37+1103.4%966.39-229.38
Exchange Rate Effect-81.66-1,057.46-1067.7%109.28-203.21-345.51-148.3%715.28+22.9%582.03-88.35-141.2%214.47
Net Change in Cash-804.51393.50-89.2%3,635.93-53.52-1,348.42-304.7%658.67-78.6%3,077.83+169.4%1,142.56-319.87
Free Cash Flow1,177.632,492.13-2.3%2,550.17-4.2%2,660.87+2.5%2,596.56+44.9%1,792.06-1.6%1,820.96-3.5%1,886.40+3.5%1,821.98
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow ratio-14.269.275.614.735.7611.4913.9511.95
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Cash & Due from Banks10,111.24-2.8%12,115.13+20.9%12,798.47+16.2%12,917.02+12.7%10,406.45-2.7%10,018.03+20.6%11,018.62+18.0%11,460.97+40.0%
Investments18,805.93+16.6%17,953.19+11.0%17,493.93+14.2%16,784.54+12.7%16,132.43+11.6%16,171.85+17.1%15,321.10+7.3%14,890.80+0.7%
Net Loans47,473.82+15.3%46,345.29+19.2%42,958.38+15.5%43,572.91+16.2%41,189.10+11.6%38,877.06+6.3%37,205.12+2.2%37,493.30+0.0%
Investment in Unconsolidated Affiliates17.95+18.7%17.59+44.5%18.88+6892.6%19.43-90.4%15.12-92.3%12.17-93.5%0.27-99.9%203.34+0.6%
Net Property, Plant & Equipment817.16+3.9%836.47+5.2%760.87+3.9%870.30+64.3%786.35+59.2%795.46+70.0%732.30+50.1%529.81+0.2%
Interest Receivables593.82+5.7%667.07+21.1%546.59+9.4%646.27+8.9%561.60+7.3%550.79-7.5%499.61-9.2%593.45-2.9%
Deferred Tax Assets494.49+35.5%457.61+32.2%419.68+24.8%413.86+32.8%365.01+12.3%346.11+10.1%336.19+10.9%311.66-2.4%
Other Intangible Assets4,842.60+26.6%4,148.22+36.5%4,380.55+11.4%3,920.03+68.2%3,826.57+18.5%3,039.08-28.1%3,931.66+30.5%2,330.43+10.5%
Total Assets83,618.01+13.5%82,950.52+18.2%79,791.91+14.9%79,510.66+16.6%73,663.88+9.7%70,179.05+8.4%69,416.96+7.1%68,164.96+5.7%
Total Deposits52,564.92+16.3%52,869.61+22.7%50,577.21+19.0%50,085.92+18.0%45,184.07+10.5%43,104.44+10.5%42,502.15+8.8%42,444.90+8.3%
Total Debt9,842.68-2.8%10,585.51+4.5%9,279.04+29.2%10,172.47-0.2%10,125.14+22.6%10,130.50+22.7%7,181.54-8.9%10,197.85-1.5%
Long Term Debt5,318.31+2.7%5,195.76+3.0%5,866.41+18.4%6,590.39+22.5%5,177.51+0.0%5,045.85+16.9%4,953.66+3.5%5,381.64-5.3%
Provision for Risks Charges292.52+24.3%293.43+23.5%275.10-2.7%296.41+8.0%235.35+11.2%237.60+6.5%282.80+5.0%274.34-1.4%
Deferred Tax Liabilities101.69-7.7%111.40+103.5%108.49+94.6%112.10+613.6%110.17+336.5%54.75+218.3%55.74+167.1%15.71-45.9%
Other Liabilities9,045.47+24.6%7,710.40+13.9%7,906.72-16.3%7,217.01+21.9%7,259.46-15.7%6,767.45-21.5%9,451.41+13.6%5,922.04+3.5%
Total Liabilities71,847.29+14.2%71,570.35+18.7%68,146.57+14.6%67,883.91+15.3%62,914.18+8.5%60,294.73+7.4%59,473.64+7.0%58,854.83+5.9%
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.00
Common Equity11,561.14+9.6%11,180.76+15.1%11,464.93+17.1%11,409.91+24.8%10,549.09+17.3%9,710.87+14.8%9,787.21+7.6%9,142.23+4.3%
Total Shareholders Equity11,561.14+9.6%11,180.76+15.1%11,464.93+17.1%11,409.91+24.8%10,549.09+17.3%9,710.87+14.8%9,787.21+7.6%9,142.23+4.3%
Accumulated Minority Interest209.58+4.5%199.42+15.0%180.40+15.6%216.84+29.1%200.61+21.4%173.45+8.7%156.11-0.3%167.90-3.9%
Total Equity11,770.71+9.5%11,380.18+15.1%11,645.33+17.1%11,626.75+24.9%10,749.70+17.3%9,884.32+14.7%9,943.31+7.4%9,310.13+4.1%
Total Liabilities & Stockholders Equity83,618.01+13.5%82,950.52+18.2%79,791.91+14.9%79,510.66+16.6%73,663.88+9.7%70,179.05+8.4%69,416.96+7.1%68,164.96+5.7%
Book Value Per Share per share145.57+9.5%140.78+15.1%144.31+17.0%143.76+24.9%132.92+17.4%122.35+14.9%123.32+7.7%115.09+4.4%
Tangible Book Value Per Share per share127.40+9.6%122.90+15.3%127.25+17.7%125.91+21.0%116.21+13.3%106.57+11.4%108.11+4.2%104.07+4.8%
Tier 1 Capital--10,127.54+12.0%10,388.61+24.9%9,742.48+18.0%8,954.59+17.5%9,044.46+25.1%8,318.68+72.3%
Tier 2 Capital--2,961.07+19.0%2,640.96+13.3%2,263.22+0.4%2,233.04+22.8%2,488.50+37.5%2,331.27-44.6%
Full-Time Employees people-52,77051,509+10.5%51,005+31.9%--46,621+31.3%38,676+4.3%
Price to Book Ratio ratio2.512.702.362.162.181.811.621.62
Return on Assets %2.832.802.772.632.522.502.302.21
Return on Equity %20.1420.5619.4618.8818.1218.5416.3516.36
Return on Invested Capital %3.383.533.512.603.133.383.262.07
Current Ratio ratio0.350.370.410.410.400.400.430.40

Cash flow, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Funds from Operations1,275.16+46.4%404.97-51.1%891.58+55.2%18.29-73.4%871.02+13.9%827.94+9.1%574.41-18.2%68.85
Extraordinary Item0.000.000.000.000.000.000.000.00
Changes in Working Capital-531.051,001.10+34.3%-1,823.8914.56-98.6%-20.02-103.0%745.40-321.341,046.39-25.5%
Cash from Operating Activities744.12-12.6%1,406.07-10.6%-932.31-468.4%32.85-97.1%851.00-40.7%1,573.34253.07-28.3%1,115.23-16.7%
Capital Expenditures-137.38-120.34-55.91-142.25-97.13-65.48-210.0%-69.95-113.22
Net Assets From Acquisitions0.000.000.00105.17-10.67-52.30-257.030.00
Sale of Fixed Assets and Businesses1.42-21.1%6.45+80.7%0.01-99.4%40.30+206.7%1.80+20.0%3.57-64.2%1.67+7.7%13.14+951.2%
Purchase or Sale of Investments21.66-54.0042.75-44.0%254.29-167.94-39.8876.28-432.17
Purchase of Investments-33.21-12.05-37.11-372.70-77.88-24.73-29.29-432.17
Sale Or Maturity of Investments54.87-41.9479.86-24.4%626.99-90.06-15.15105.57-
Other Uses0.000.000.00-53.180.000.000.000.00
Other Sources131.23+113.1%91.87-33.9%9.53-200.6261.58139.040.000.00
Cash from Investing Activities16.93-76.01-3.62-3,968.99-212.35-15.04-130.1%-249.03-1,142.01
Cash Dividends Paid-16.40-1,160.130.00-39.64-0.15-104.5%-870.60-29.50-233.85-1591.4%
Preferred Dividends (Cash Flow)0.000.000.000.000.000.000.000.00
Change in Capital Stock-0.54-10.57-27.49-1.49-1.12-0.38-32.24-0.02-140.0%
Repurchase of Common Pref Stock-0.54-10.57-27.49-1.49-1.12-0.38-32.24-0.02-140.0%
Sale of Common Pref Stock0.000.000.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-544.26-150.5%1,061.44-6.4%2,573.29-2,724.731,078.75+168.6%1,134.12-34.4%-252.59-163.1%-2,583.60
Change in Long Term Debt0.000.000.00-1,085.790.000.000.00-333.42
Reduction of Long Term Debt0.000.000.00-1,085.790.000.000.00-333.42
Net Financing Active Other Cash Flow-440.83-1386.0%-53.98-14.29-191.1%1,233.1834.28-1,318.8415.68-28.43
Other Financing Activities Uses-440.83-1386.0%-53.98-14.291,233.1834.28-1,303.160.00-28.43
Cash from Financing Activities-3,165.86-1,881.511,205.155,900.36+608.4%-29.15-102.3%-2,078.18-528.89-143.2%832.90
Exchange Rate Effect41.00-74.18217.53-266.01-208.96-321.34-318.01-
Net Change in Cash-2,363.82-690.2%-625.64486.741,698.21+85.5%400.54-83.9%-841.23-842.86-160.7%915.36+242.6%
Free Cash Flow720.05-12.6%1,387.58-11.0%-942.92-509.4%12.92-98.8%823.58-41.1%1,559.34230.30-32.2%1,093.55-15.9%
Price to Free Cash Flow ratio-380.8949.6913.528.225.6310.329.26

Revenue breakdown

USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.

Region
Name20242025vs 20242025 share
Bermuda1,510.722,000.31+32.4%100.0%
Total1,510.722,000.31+32.4%100.0%
Segment
Name20242025vs 20242025 share
Consolidation, Policy-157.10-154.30-1.8%-7.7%
Insurance and Pension Funds242.60282.71+16.5%14.1%
Microfinance80.06141.21+76.4%7.1%
Universal Banking1,345.161,730.69+28.7%86.5%
Total1,510.722,000.31+32.4%100.0%

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-302.13%1.2M56.1M314.23K
2026-10-152.24%1.3M56.1M304.79K
2026-09-302.20%1.2M56.1M299.63K
2026-09-152.19%1.2M56.1M322.44K
2026-08-312.23%1.3M56.1M399.33K
2026-08-142.24%1.3M56.2M437.31K
2026-07-311.87%1.1M56.2M447.73K
2026-07-152.02%1.1M56.2M469.55K
2026-06-302.39%1.3M56.2M493.55K
2026-06-152.55%1.4M56.2M471.43K
2026-05-292.39%1.3M56.2M407.24K
2026-05-152.24%1.3M56.2M410.71K
2026-04-302.46%1.4M56.2M463.42K
2026-04-152.18%1.2M56.2M498.43K
2026-03-312.21%1.2M53.3M490.55K
2026-03-132.28%1.2M53.3M478.15K
2026-02-272.14%1.1M53.3M465.43K
2026-02-132.50%1.3M53.3M431.46K
2026-01-302.82%1.5M53.3M353.71K
2026-01-152.34%1.2M53.3M296.50K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call175186.5194.20.00343.6%0.000.000.950-1.2310.054
call180181.5189.20.00332.1%0.000.000.948-1.2240.056
call185176.5184.30.00323.0%0.000.000.947-1.2170.057
call190171.5179.30.00312.1%0.000.000.945-1.2100.059
call195166.5174.30.00301.5%0.000.000.943-1.2020.061
call200161.5169.3185291.2%1.000.000.941-1.1940.062
call210151.5159.30.00271.3%0.000.000.937-1.1770.066
call220141.5149.30.00252.3%0.000.000.932-1.1580.069
call230131.5139.30.00234.0%0.000.000.927-1.1370.073
call240121.5129.30.00216.4%0.000.000.922-1.1150.077
call250111.1119.30.00199.5%0.000.000.916-1.0900.082
call260101.6109.30.00183.1%0.000.000.909-1.0640.087
call27091.6099.40108.5168.3%1.000.000.901-1.0350.092
call28081.6089.400.00152.7%0.000.000.893-1.0030.098
call29071.2079.400.00137.4%0.000.000.882-0.9670.105
call30061.7069.50100.57123.3%2.000.000.870-0.9270.113
call31051.8059.6072.60109.2%5.000.000.855-0.8820.121
call32042.0049.800.0095.9%0.000.000.836-0.8290.132
call33032.3040.1064.9183.0%2.000.000.812-0.7670.144
call34022.6031.7066.0077.2%8.000.000.743-0.9030.172
call35014.0022.4024.0063.8%35.000.000.685-0.8200.190
call3607.1015.0012.4657.2%8.000.000.585-0.7730.208
call3705.108.706.5450.5%21.000.000.448-0.6890.212
call3800.108.504.6067.4%2.000.000.360-0.8380.200
call3900.055.101.8563.7%1560.000.261-0.7130.174
call4000.057.101.5076.7%11.000.000.226-0.7860.161
call4100.004.906.2086.9%5.000.000.200-0.8310.150
call4200.004.902.9597.7%16.000.000.183-0.8850.142
call4300.004.902.05107.8%13.000.000.170-0.9320.136
call4400.004.9020.16117.4%2.000.000.160-0.9740.130
call4500.004.901.25126.5%2.000.000.151-1.0120.125
call4600.004.900.00135.2%0.000.000.144-1.0460.121
call4700.004.9014.50143.6%2.000.000.137-1.0770.118
call4800.004.900.00151.6%0.000.000.132-1.1060.114
call4900.004.900.05159.4%1.000.000.127-1.1330.111
call5000.001.500.55110.7%3.000.000.032-0.2710.038
call5200.004.900.00121.8%0.000.000.030-0.2790.036
call5400.004.900.00132.3%0.000.000.028-0.2870.034
call5600.001.500.05133.4%1.000.000.018-0.2060.024
call5800.004.900.00142.5%0.000.000.017-0.2100.023
put1750.007.701.13361.7%8.000.00-0.049-1.2530.054
put1800.007.702.50349.9%2.000.00-0.051-1.2460.056
put1850.007.701.90338.4%1.000.00-0.052-1.2380.057
put1900.007.702.20327.2%1.000.00-0.054-1.2300.059
put1950.007.702.50316.3%1.000.00-0.056-1.2220.061
put2000.007.702.85305.6%4.000.00-0.058-1.2130.062
put2100.007.703.10285.1%5.000.00-0.062-1.1950.066
put2200.007.700.00265.5%0.000.00-0.067-1.1750.069
put2300.007.700.00246.6%0.000.00-0.072-1.1530.073
put2400.004.900.00228.5%0.000.00-0.077-1.1300.077
put2500.004.900.00211.1%0.000.00-0.083-1.1040.082
put2600.004.903.50195.1%1.000.00-0.089-1.0710.087
put2700.004.900.00177.6%0.000.00-0.098-1.0460.092
put2800.004.900.00161.4%0.000.00-0.107-1.0130.098
put2900.004.903.30145.6%1.000.00-0.117-0.9760.105
put3000.004.901.00130.1%5.000.00-0.129-0.9350.113
put3100.004.902.80114.8%3.000.00-0.144-0.8890.121
put3200.004.901.4099.5%20.000.00-0.163-0.8350.132
put3300.004.901.8584.2%4.000.00-0.187-0.7720.144
put3400.057.403.4383.6%14.000.00-0.256-0.9070.172
put3500.058.104.8069.5%23.000.00-0.314-0.8220.190
put3601.5510.009.4159.5%1.000.00-0.411-0.7740.208
put3708.4013.6017.3052.0%93.000.00-0.551-0.6900.212
put38013.5022.0015.6061.9%88.000.00-0.640-0.8380.200
put39021.4030.0024.6065.9%42.000.00-0.740-0.7100.173
put40031.1039.0046.9072.4%3.000.00-0.773-0.7830.161
put41040.9049.000.0083.8%0.000.00-0.799-0.8270.150
put42050.9059.000.0094.5%0.000.00-0.816-0.8800.142
put43060.8069.0049.00104.5%0.000.00-0.829-0.9260.136
put44070.9078.600.00110.8%0.000.00-0.839-0.9670.130
put45080.9088.6074.00119.7%0.000.00-0.848-1.0030.125
put46090.8098.600.00128.3%0.000.00-0.855-1.0360.121
put470100.8108.60.00136.5%0.000.00-0.862-1.0660.118
put480110.8118.60.00144.4%0.000.00-0.867-1.0940.114
put490120.8128.60.00152.0%0.000.00-0.872-1.1200.111
put500130.8138.60.00159.4%0.000.00-0.967-0.2570.038
put520150.8158.60.00173.5%0.000.00-0.970-0.2630.036
put540170.8178.60.00186.7%0.000.00-0.972-0.2680.034
put560190.8198.60.00199.2%0.000.00-0.981-0.1850.024
put580210.8218.60.00211.1%0.000.00-0.982-0.1870.023

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-106-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-30SEC
2026-11-053Initial statement of beneficial ownership of securities2026-10-01SEC
2026-09-176-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-17SEC
2026-08-176-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-08-17SEC
2026-08-12SCHEDULE 13GSEC
2026-08-03SCHEDULE 13G/ASEC
2026-07-27SCHEDULE 13GSEC
2026-06-246-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-24SEC
2026-06-106-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-10SEC
2026-06-094Statement of changes in beneficial ownership of securities2026-06-05SEC
2026-06-096-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-09SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-186-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-05-18SEC
2026-05-136-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-05-13SEC
2026-05-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-05-05SEC
2026-05-016-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-04-30SEC
2026-04-30SCHEDULE 13G/ASEC
2026-04-27SCHEDULE 13GSEC
2026-04-2720-FRegistration statement under Section 12 of the Securities Exchange Act of 1934 or an annual or transition report filed under Section 13(a) or 15(d) of the Exchange Act for a foreign private issuer.2025-12-31SEC
2026-04-236-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-04-23SEC
2026-04-203/A2026-03-18SEC
2026-04-163Initial statement of beneficial ownership of securities2026-03-31SEC
2026-04-103Initial statement of beneficial ownership of securities2026-03-31SEC
2026-04-063Initial statement of beneficial ownership of securities2026-03-18SEC
2026-04-063Initial statement of beneficial ownership of securities2026-03-18SEC
2026-04-033Initial statement of beneficial ownership of securities2026-03-18SEC
2026-04-033Initial statement of beneficial ownership of securities2026-03-18SEC
2026-04-023Initial statement of beneficial ownership of securities2026-03-18SEC
2026-04-023Initial statement of beneficial ownership of securities2026-03-31SEC
2026-04-023Initial statement of beneficial ownership of securities2026-03-18SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-06001.12M1
2026-0500362.14K1
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.6.24%
Capital World Investors5.49%
FMR LLC4.75%
DODGE & COX3.29%
BAILLIE GIFFORD & CO2.89%
JPMORGAN CHASE & CO2.75%
MASSACHUSETTS FINANCIAL SERVICES CO /MA/2.43%
ROYAL BANK OF CANADA2.05%
Westwood Global Investments, LLC1.91%
STATE STREET CORP1.71%

Funds

Fund% owned
Dodge & Cox International Stock Fund2.52%
American Balanced Fund2.09%
New Economy Fund1.01%
Fidelity Advisor Focused Emerging Markets Fund1.00%
iShares Core MSCI Emerging Markets ETF0.97%
Strategic Advisers Fidelity Emerging Markets Fund0.97%
Income Fund of America0.88%
MFS International Growth Fund0.86%
Avantis International Small Cap Value ETF0.80%
Harding Loevner International Equity Portfolio0.72%

OakChart. BAP. Cached 15 minutes. Terms