Also trades as: C-PJ (NYSE) · $vol 4M · C-PK (NYSE) · $vol 3M · 0R01.IL (IOB) · $vol 1M · 0R01.L (LSE) · $vol 1M · CITI.TO (TSX) · $vol 0M · TRVC.DE (XETRA) · $vol 0M

$122.69

+1.65 (+1.36%)

After Hours: $122.54 (-0.15, -0.12%)

Weekly Expected Move ±3.9%

$111 $116 $121 $125 $130

NYSE · Financial Services · Banks - Diversified · Tech Score Strong Sell · Power 37 · $205.8B mcap · 1.65B float · 0.654% daily turnover · Short 34% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $5.35B held by 1,209 funds, 72 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$168.3B -1.4% ▼

5Y CAGR: +13.6%

Gross Profit

$75.0B +5.4% ▲

5Y CAGR: +5.2%

Operating Income

$19.8B +16.3% ▲

5Y CAGR: +7.8%

Net Income

$14.3B +12.5% ▲

5Y CAGR: +5.3%

EPS (Diluted)

$6.99 +17.5% ▲

5Y CAGR: +8.1%

EBITDA

$23.1B +8.2% ▲

5Y CAGR: +5.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$79.9B	$100.2B	$155.4B	$170.7B	$168.3B
YoY Growth	-10.1%	+25.5%	+55.0%	+9.9%	-1.4%
Cost of Revenue	$4.1B	$30.9B	$87.5B	$99.6B	$93.3B
Gross Profit	$75.8B	$69.4B	$67.9B	$71.1B	$75.0B
Gross Margin	94.9%	69.2%	43.7%	41.7%	44.6%
R&D Expenses	$0	$0	$0	$0	$2.3B
SG&A Expenses	$26.7B	$28.3B	$30.7B	$29.7B	$39.4B
Operating Expenses	$48.3B	$50.6B	$55.0B	$54.1B	$55.2B
Operating Income	$27.5B	$18.8B	$12.9B	$17.0B	$19.8B
Operating Margin	34.4%	18.8%	8.3%	10.0%	11.8%
Interest Expense	$8.0B	$25.7B	$78.4B	$89.6B	$83.1B
Income Before Tax	$27.5B	$18.8B	$12.9B	$17.0B	$19.8B
Tax Expense	$5.5B	$3.6B	$3.5B	$4.2B	$5.4B
Net Income	$22.0B	$14.8B	$9.2B	$12.7B	$14.3B
Net Margin	27.5%	14.8%	5.9%	7.4%	8.5%
EPS (Diluted)	$10.14	$7.00	$4.04	$5.95	$6.99
EBITDA	$31.4B	$23.1B	$17.5B	$21.4B	$23.1B
Shares Outstanding	2.05B	1.96B	1.96B	1.90B	1.86B

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$40.9B	$41.3B	$42.4B	$43.8B	$40.9B	$44.4B	$45.3B	$23.8B
Cost of Revenue	$23.9B	$22.4B	$23.6B	$24.2B	$23.2B	$22.6B	$23.0B	$2.6B
Gross Profit	$17.0B	$18.9B	$18.8B	$19.6B	$17.7B	$21.8B	$22.3B	$21.2B
Gross Margin	41.6%	45.8%	44.4%	44.8%	43.2%	49.2%	49.1%	89.1%
R&D Expenses	$0	$0	$0	$2.3B	$0	$0	$0	$0
SG&A Expenses	$7.3B	$7.7B	$7.9B	$10.0B	$13.8B	$8.6B	$8.3B	$8.2B
Operating Expenses	$13.2B	$13.4B	$13.6B	$14.3B	$13.8B	$14.3B	$14.2B	$13.9B
Operating Income	$3.8B	$5.4B	$5.2B	$5.3B	$3.8B	$7.5B	$8.0B	$7.3B
Operating Margin	9.3%	13.2%	12.3%	12.2%	9.3%	16.9%	17.7%	30.7%
Interest Expense	$21.3B	$19.7B	$20.7B	$21.8B	$21.0B	$19.8B	$20.5B	$21.8B
Income Before Tax	$3.8B	$5.4B	$5.2B	$5.3B	$3.8B	$7.5B	$8.0B	$7.3B
Tax Expense	$912M	$1.3B	$1.2B	$1.6B	$1.3B	$1.6B	$2.0B	$1.9B
Net Income	$2.9B	$4.1B	$4.0B	$3.8B	$2.4B	$5.8B	$5.8B	$5.2B
Net Margin	7.0%	9.9%	9.5%	8.6%	6.0%	13.0%	12.9%	22.0%
EPS (Diluted)	$1.34	$1.96	$1.96	$1.86	$1.19	$3.06	$3.15	$2.85
EBITDA	$4.8B	$6.5B	$6.3B	$6.5B	$4.9B	$8.6B	$9.2B	$7.3B
Shares Outstanding	1.93B	1.92B	1.89B	1.86B	1.86B	1.78B	1.74B	1.84B

C NYSE