Income Statement
Balance Sheet
Cash Flow
| Line Item | FY 2025Oct 31, 2025 | FY 2024Oct 31, 2024 | FY 2022Dec 31, 2022 | FY 2021Dec 31, 2021 |
|---|---|---|---|---|
| Total Revenue | 1.4B | 1.3B | 782.2M | 642.9M |
| Operating Revenue | 1.4B | 1.3B | 782.2M | 642.9M |
| Selling General And Administration | 417.7M | 350.2M | 222.3M | 151.8M |
| General And Administrative Expense | 326.8M | 272.3M | 183.6M | 129.0M |
| Interest Expense | 1.8B | 2.1B | 880.6M | 524.7M |
| Interest Income | 2.9B | 3.2B | 1.6B | 1.1B |
| Net Interest Income | 1.2B | 1.1B | 733.4M | 582.6M |
| Special Income Charges | -105.1M | -11.2M | -49.9M | -725,000 |
| Restructuring And Mergern Acquisition | 81.0M | 11.2M | 49.9M | 725,000 |
| Write Off | 12.8M | 0.00 | -- | -- |
| Gain On Sale Of Security | 74.3M | 80.9M | 25.8M | 21.8M |
| Pretax Income | 371.5M | 554.3M | 368.5M | 390.4M |
| Tax Provision | 104.9M | 152.7M | 98.3M | 97.9M |
| Tax Effect Of Unusual Items | -30.5M | -3.1M | -13.3M | -181,975 |
| Net Income From Continuing And Discontinued Operation | 265.3M | 400.6M | 270.2M | 292.5M |
| Net Income From Continuing Operation Net Minority Interest | 265.3M | 400.6M | 270.2M | 292.5M |
| Net Income Including Noncontrolling Interests | 266.6M | 401.7M | 270.2M | 292.5M |
| Minority Interests | -1.3M | -1.1M | -- | -- |
| Net Income Common Stockholders | 256.5M | 389.8M | 264.6M | 288.1M |
| Net Income | 265.3M | 400.6M | 270.2M | 292.5M |
| Reconciled Depreciation | 67.9M | 60.0M | 46.9M | 32.7M |
| Basic EPS | 6.70 | 10.19 | 7.63 | 8.49 |
| Diluted EPS | 6.65 | 10.11 | 7.55 | 8.36 |
| Basic Average Shares | 38.3M | 38.3M | 34.7M | 33.9M |
| Diluted Average Shares | 38.6M | 38.5M | 35.0M | 34.4M |
| Total Unusual Items | -108.0M | -11.3M | -49.9M | -725,000 |
| Total Unusual Items Excluding Goodwill | -108.0M | -11.3M | -49.9M | -725,000 |
| Tax Rate For Calcs | 0.28 | 0.28 | 0.27 | 0.25 |
| Normalized Income | 342.8M | 408.7M | 306.8M | 293.1M |
| Diluted NI Availto Com Stockholders | 256.5M | 389.8M | 264.6M | 288.1M |
| Net Income Continuous Operations | 266.6M | 401.7M | 270.2M | 292.5M |
| Occupancy And Equipment | 28.7M | 16.9M | 15.1M | 15.7M |
| Other Non Interest Expense | 239.9M | 160.2M | 47.7M | 92.0M |
| Other Special Charges | 11.3M | -- | 2.2M | -- |
| Otherunder Preferred Stock Dividend | 8.8M | 2.6M | -- | -- |
| Preferred Stock Dividends | -- | 8.1M | 5.6M | 4.4M |
| Professional Expense And Contract Services Expense | 62.3M | 55.6M | 41.5M | -- |
| Salaries And Wages | 326.8M | 272.3M | 183.6M | 129.0M |
| Selling And Marketing Expense | 90.9M | 77.8M | 38.7M | 22.9M |
| Line Item | FY 2025Oct 31, 2025 | FY 2024Oct 31, 2024 | FY 2022Dec 31, 2022 | FY 2021Dec 31, 2021 |
|---|---|---|---|---|
| Cash And Cash Equivalents | 717.3M | 591.6M | 495.1M | 773.3M |
| Cash Equivalents | -- | 0.00 | 0.00 | -- |
| Other Short Term Investments | 1.5B | 1.4B | 1.8B | 670.3M |
| Accounts Receivable | 11.0M | 12.6M | 7.6M | 2.8M |
| Receivables | 1.1B | 1.2B | 1.3B | 729.1M |
| Prepaid Assets | 125.6M | 102.5M | 42.7M | 16.8M |
| Gross PPE | 255.3M | 174.7M | 36.2M | 21.6M |
| Accumulated Depreciation | -60.6M | -56.0M | -- | -- |
| Net PPE | 194.7M | 118.7M | 36.2M | 21.6M |
| Goodwill | 92.5M | 110.6M | 57.6M | 16.9M |
| Goodwill And Other Intangible Assets | 241.2M | 309.2M | 203.1M | 109.5M |
| Other Intangible Assets | 148.6M | 198.6M | 145.5M | 92.6M |
| Investments And Advances | 2.7B | 2.5B | 2.7B | 1.2B |
| Long Term Equity Investment | 49.9M | 50.0M | -- | -- |
| Total Assets | 53.5B | 53.2B | 51.1B | 36.2B |
| Current Debt | 1.5B | 947.0M | 1.2B | 200.1M |
| Current Debt And Capital Lease Obligation | 1.5B | 947.0M | 1.2B | 200.1M |
| Accounts Payable | 341.6M | 307.4M | 207.7M | 143.9M |
| Payables | 369.8M | 342.4M | 265.2M | 237.8M |
| Payables And Accrued Expenses | 369.8M | 342.4M | 265.2M | 237.8M |
| Long Term Debt | 15.9B | 18.3B | 18.3B | 13.4B |
| Long Term Debt And Capital Lease Obligation | 16.0B | 18.3B | 18.3B | 13.4B |
| Long Term Capital Lease Obligation | 108.3M | 69.8M | 10.3M | 8.6M |
| Total Liabilities Net Minority Interest | 50.3B | 50.1B | 48.6B | 34.2B |
| Common Stock | 503.1M | 505.9M | 462.6M | 230.2M |
| Capital Stock | 503.1M | 505.9M | 644.0M | 300.8M |
| Additional Paid In Capital | -15.0M | -17.4M | 11.4M | 8.7M |
| Retained Earnings | 2.6B | 2.5B | 1.9B | 1.7B |
| Gains Losses Not Affecting Retained Earnings | 1.7M | 8.6M | 9.4M | -7.6M |
| Common Stock Equity | 3.2B | 3.1B | 2.4B | 1.9B |
| Stockholders Equity | 3.2B | 3.1B | 2.5B | 2.0B |
| Total Equity Gross Minority Interest | 3.2B | 3.1B | 2.5B | 2.0B |
| Minority Interest | 8.2M | 10.4M | -- | -- |
| Total Capitalization | 19.1B | 21.4B | 20.8B | 15.3B |
| Net Tangible Assets | 3.0B | 2.8B | 2.3B | 1.8B |
| Tangible Book Value | 3.0B | 2.8B | 2.2B | 1.8B |
| Invested Capital | 20.5B | 22.3B | 21.9B | 15.4B |
| Total Debt | 17.4B | 19.3B | 19.5B | 13.6B |
| Net Debt | 16.6B | 18.6B | 19.0B | 12.8B |
| Share Issued | 37.6M | 38.4M | 37.6M | 34.1M |
| Ordinary Shares Number | 37.6M | 38.4M | 37.6M | 34.1M |
| Available For Sale Securities | 1.1B | 999.9M | 821.5M | 571.0M |
| Buildings And Improvements | -- | -- | 8.5M | 7.5M |
| Capital Lease Obligations | 108.3M | 69.8M | 10.3M | 8.6M |
| Cash Cash Equivalents And Federal Funds Sold | 3.6B | 2.8B | 1.4B | 1.8B |
| Construction In Progress | 15.3M | 37.4M | -- | -- |
| Derivative Product Liabilities | 94.7M | 121.7M | 219.8M | 49.3M |
| Employee Benefits | 22.5M | 0.00 | -- | -- |
| Income Tax Payable | 28.3M | 35.0M | 57.5M | 93.8M |
| Land And Improvements | 14.1M | 14.4M | -- | -- |
| Leases | 78.6M | 15.3M | -- | 7.5M |
| Line Of Credit | 1.5B | 947.0M | 1.2B | 200.1M |
| Machinery Furniture Equipment | 52.9M | 40.9M | -- | -- |
| Non Current Deferred Liabilities | 201.2M | 180.4M | 75.1M | 64.0M |
| Non Current Deferred Revenue | 2.0M | 2.5M | 2.4M | 818,000 |
| Non Current Deferred Taxes Liabilities | 199.2M | 177.9M | 72.7M | 63.1M |
| Other Equity Interest | 147.4M | 147.4M | -- | -- |
| Other Properties | 94.4M | 66.7M | 36.2M | 21.6M |
| Other Receivables | 1.1B | 1.1B | 1.3B | 726.3M |
| Preferred Shares Number | -- | -- | 2.9M | -- |
| Preferred Stock | -- | 0.00 | 181.4M | 70.6M |
| Preferred Stock Equity | -- | -- | 181.4M | 70.6M |
| Total Tax Payable | 28.3M | 35.0M | 57.5M | 93.8M |
| Line Item | FY 2025Oct 31, 2025 | FY 2024Oct 31, 2024 | FY 2022Dec 31, 2022 | FY 2021Dec 31, 2021 |
|---|---|---|---|---|
| Operating Cash Flow | 371.9M | -278.2M | 29.9M | 693.3M |
| Cash Flow From Continuing Operating Activities | 371.9M | -278.2M | 29.9M | 693.3M |
| Depreciation And Amortization | 67.9M | 60.0M | 46.9M | 32.7M |
| Depreciation Amortization Depletion | 67.9M | 60.0M | 46.9M | 32.7M |
| Stock Based Compensation | 4.6M | 4.0M | 3.4M | 2.5M |
| Deferred Tax | 104.9M | 152.7M | 98.3M | 97.9M |
| Deferred Income Tax | 104.9M | 152.7M | 98.3M | 97.9M |
| Change In Working Capital | -199.2M | -967.2M | -291.4M | 312.2M |
| Change In Other Working Capital | 2.8B | 1.6B | 3.7B | 4.3B |
| Change In Other Current Assets | -367.8M | -258.7M | -25.0M | 46.8M |
| Change In Other Current Liabilities | 81.9M | -8.3M | -157.5M | 82.5M |
| Other Non Cash Items | 174.9M | 129.7M | 53.8M | 45.3M |
| Capital Expenditure | -84.9M | -67.4M | -76.6M | -38.6M |
| Purchase Of PPE | -- | -- | -- | -38.6M |
| Net PPE Purchase And Sale | -- | -- | -- | -38.6M |
| Purchase Of Business | -4.2M | -75.5M | -495.4M | -- |
| Purchase Of Investment | -405.1M | -401.6M | -754.5M | -981.7M |
| Sale Of Investment | 427.7M | 947.3M | 559.7M | 562.0M |
| Net Investment Purchase And Sale | 22.6M | 545.6M | -194.8M | -419.7M |
| Investing Cash Flow | -66.6M | 402.8M | -766.8M | -458.2M |
| Cash Flow From Continuing Investing Activities | -66.6M | 402.8M | -766.8M | -458.2M |
| Issuance Of Debt | 0.00 | 147.4M | 275.0M | 0.00 |
| Net Issuance Payments Of Debt | 0.00 | 147.4M | 275.0M | 0.00 |
| Issuance Of Capital Stock | 8.4M | 31.3M | 231.7M | 10.1M |
| Repurchase Of Capital Stock | -97.3M | -183.8M | -- | -- |
| Net Common Stock Issuance | -88.9M | 31.3M | 231.7M | 10.1M |
| Common Stock Dividend Paid | -82.0M | -66.6M | -42.4M | -25.1M |
| Common Stock Payments | -97.3M | 0.00 | -- | -- |
| Financing Cash Flow | -179.8M | -82.4M | 458.7M | -19.5M |
| Cash Flow From Continuing Financing Activities | -179.8M | -82.4M | 458.7M | -19.5M |
| Changes In Cash | 125.6M | 42.2M | -278.1M | 215.5M |
| Beginning Cash Position | 591.6M | 549.5M | 773.3M | 557.7M |
| End Cash Position | 717.3M | 591.6M | 495.1M | 773.3M |
| Free Cash Flow | 287.0M | -345.6M | -46.7M | 654.7M |
| Interest Paid Supplemental Data | 1.7B | 1.7B | 560.7M | 518.1M |
| Asset Impairment Charge | 56.5M | 0.00 | -- | -- |
| Capital Expenditure Reported | -84.9M | -67.4M | -76.6M | -38.6M |
| Cash Dividends Paid | -82.0M | -74.7M | -48.0M | -29.6M |
| Common Stock Issuance | 8.4M | 31.3M | 231.7M | 10.1M |
| Gain Loss On Investment Securities | -124.5M | -53.2M | -33.2M | -28.8M |
| Long Term Debt Issuance | 0.00 | 147.4M | 275.0M | 0.00 |
| Net Business Purchase And Sale | -4.2M | -75.5M | -495.4M | -- |
| Net Income From Continuing Operations | 266.6M | 401.7M | 270.2M | 292.5M |
| Net Long Term Debt Issuance | 0.00 | 147.4M | 275.0M | 0.00 |
| Net Other Financing Charges | -8.8M | -2.6M | -- | -- |
| Net Preferred Stock Issuance | 0.00 | -183.8M | -- | -- |
| Operating Gains Losses | -124.5M | -53.2M | -33.2M | -28.8M |
| Preferred Stock Dividend Paid | 0.00 | -8.1M | -5.6M | -4.4M |
| Preferred Stock Payments | 0.00 | -183.8M | -- | -- |
| Taxes Refund Paid | -108.1M | -98.0M | -156.5M | -53.5M |