Income Statement
Balance Sheet
Cash Flow
| Line Item | Q1 2026Jan 31, 2026 | Q4 2025Oct 31, 2025 | Q3 2025Jul 31, 2025 | Q2 2025Apr 30, 2025 | Q1 2025Jan 31, 2025 |
|---|---|---|---|---|---|
| Total Revenue | 306.8M | 417.8M | 306.1M | 315.9M | 322.6M |
| Operating Revenue | 306.8M | 417.8M | 306.1M | 315.9M | 322.6M |
| Selling General And Administration | 86.9M | 133.3M | 97.8M | 74.3M | 93.0M |
| General And Administrative Expense | 71.1M | 96.8M | 79.8M | 74.3M | 75.9M |
| Interest Expense | 423.0M | 369.7M | 468.3M | 434.4M | 479.0M |
| Interest Income | 686.4M | 766.9M | 718.4M | 705.5M | 749.6M |
| Net Interest Income | 263.4M | 397.1M | 250.0M | 271.1M | 270.6M |
| Special Income Charges | -5.8M | -100.8M | -2.6M | 0.00 | -1.8M |
| Restructuring And Mergern Acquisition | 5.8M | 79.2M | 0.00 | 0.00 | 1.8M |
| Gain On Sale Of Security | 17.0M | -11.7M | 30.8M | 21.1M | 26.8M |
| Pretax Income | 109.3M | 1.1M | 101.2M | 124.5M | 144.7M |
| Tax Provision | 29.8M | 5.8M | 27.8M | 34.2M | 37.0M |
| Tax Effect Of Unusual Items | -1.6M | -15.5M | -713,634 | 0.00 | -456,192 |
| Net Income From Continuing And Discontinued Operation | 79.2M | -5.1M | 73.0M | 89.9M | 107.4M |
| Net Income From Continuing Operation Net Minority Interest | 79.2M | -5.1M | 73.0M | 89.9M | 107.4M |
| Net Income Including Noncontrolling Interests | 79.5M | -4.8M | 73.4M | 90.3M | 107.7M |
| Minority Interests | -315,000 | -306,000 | -350,000 | -349,000 | -308,000 |
| Net Income Common Stockholders | 79.2M | -9.5M | 73.0M | 85.5M | 107.4M |
| Net Income | 79.2M | -5.1M | 73.0M | 89.9M | 107.4M |
| Reconciled Depreciation | 14.9M | 18.7M | 16.8M | 17.6M | 14.8M |
| Basic EPS | 2.13 | -- | 1.91 | 2.23 | 2.79 |
| Diluted EPS | 2.11 | -- | 1.90 | 2.21 | 2.77 |
| Basic Average Shares | 37.3M | -- | 38.2M | 38.4M | 38.4M |
| Diluted Average Shares | 37.5M | -- | 38.4M | 38.7M | 38.8M |
| Total Unusual Items | -5.8M | -103.6M | -2.6M | 0.00 | -1.8M |
| Total Unusual Items Excluding Goodwill | -5.8M | -103.6M | -2.6M | 0.00 | -1.8M |
| Tax Rate For Calcs | 0.27 | 0.15 | 0.28 | 0.27 | 0.26 |
| Normalized Income | 83.5M | 83.0M | 74.9M | 89.9M | 108.7M |
| Diluted NI Availto Com Stockholders | 79.2M | -9.5M | 73.0M | 85.5M | 107.4M |
| Net Income Continuous Operations | 79.5M | -4.8M | 73.4M | 90.3M | 107.7M |
| Occupancy And Equipment | 8.2M | 7.1M | 7.9M | -- | 6.5M |
| Other Non Interest Expense | 40.4M | 98.9M | 48.1M | 86.9M | 45.1M |
| Other Special Charges | -- | 8.7M | 2.6M | -- | -- |
| Otherunder Preferred Stock Dividend | -- | 4.4M | -- | 4.4M | -- |
| Preferred Stock Dividends | -- | -- | -- | -- | -- |
| Professional Expense And Contract Services Expense | 17.0M | 22.2M | 14.5M | -- | 12.9M |
| Salaries And Wages | 71.1M | 96.8M | 79.8M | 74.3M | 75.9M |
| Selling And Marketing Expense | 15.8M | 36.5M | 18.0M | -- | 17.1M |
| Line Item | Q1 2026Jan 31, 2026 | Q4 2025Oct 31, 2025 | Q3 2025Jul 31, 2025 | Q2 2025Apr 30, 2025 | Q1 2025Jan 31, 2025 |
|---|---|---|---|---|---|
| Cash And Cash Equivalents | 889.6M | 717.3M | 485.8M | 500.7M | 810.0M |
| Cash Equivalents | -- | -- | -- | -- | -- |
| Other Short Term Investments | 1.5B | 1.5B | 1.6B | 1.4B | 1.4B |
| Accounts Receivable | 10.6M | 11.0M | 11.4M | 8.9M | 10.0M |
| Receivables | 1.1B | 1.1B | 1.1B | 1.2B | 1.2B |
| Prepaid Assets | 160.9M | 125.6M | 122.0M | 108.5M | 113.3M |
| Gross PPE | 206.3M | 255.3M | 240.2M | 227.2M | 152.9M |
| Accumulated Depreciation | -- | -60.6M | -58.1M | -55.5M | -- |
| Net PPE | 206.3M | 194.7M | 182.1M | 171.7M | 152.9M |
| Goodwill | 92.5M | 92.5M | 110.6M | 110.6M | 110.6M |
| Goodwill And Other Intangible Assets | 241.2M | 241.2M | 299.7M | 304.1M | 306.1M |
| Other Intangible Assets | 148.7M | 148.6M | 189.1M | 193.5M | 195.6M |
| Investments And Advances | 2.7B | 2.7B | 2.8B | 2.4B | 2.5B |
| Long Term Equity Investment | 53.5M | 49.9M | 49.9M | 49.8M | 50.2M |
| Total Assets | 53.1B | 53.5B | 54.6B | 54.3B | 53.2B |
| Current Debt | 576.7M | 1.5B | 1.4B | 1.4B | 768.8M |
| Current Debt And Capital Lease Obligation | 576.7M | 1.5B | 1.4B | 1.4B | 768.8M |
| Accounts Payable | 353.1M | 341.6M | 350.4M | 337.5M | 311.7M |
| Payables | 426.1M | 369.8M | 357.6M | 395.2M | 379.7M |
| Payables And Accrued Expenses | 426.1M | 369.8M | 357.6M | 395.2M | 379.7M |
| Long Term Debt | 15.8B | 15.9B | 17.2B | 17.6B | 17.9B |
| Long Term Debt And Capital Lease Obligation | 15.9B | 16.0B | 17.3B | 17.7B | 18.0B |
| Long Term Capital Lease Obligation | 107.8M | 108.3M | 108.3M | 107.3M | 101.8M |
| Total Liabilities Net Minority Interest | 50.0B | 50.3B | 51.3B | 51.0B | 50.0B |
| Common Stock | 494.6M | 503.1M | 512.2M | 511.0M | 506.2M |
| Capital Stock | 494.6M | 503.1M | 512.2M | 511.0M | 506.2M |
| Additional Paid In Capital | -16.3M | -15.0M | -15.0M | -19.2M | -17.4M |
| Retained Earnings | 2.5B | 2.6B | 2.7B | 2.6B | 2.6B |
| Gains Losses Not Affecting Retained Earnings | 5.4M | 1.7M | 2.0M | 2.3M | 11.2M |
| Common Stock Equity | 3.1B | 3.2B | 3.3B | 3.2B | 3.2B |
| Stockholders Equity | 3.1B | 3.2B | 3.3B | 3.2B | 3.2B |
| Total Equity Gross Minority Interest | 3.1B | 3.2B | 3.3B | 3.3B | 3.2B |
| Minority Interest | 7.8M | 8.2M | 8.4M | 9.7M | 9.8M |
| Total Capitalization | 18.9B | 19.1B | 20.5B | 20.8B | 21.1B |
| Net Tangible Assets | 2.9B | 3.0B | 3.0B | 2.9B | 2.9B |
| Tangible Book Value | 2.9B | 3.0B | 3.0B | 2.9B | 2.9B |
| Invested Capital | 19.5B | 20.5B | 21.9B | 22.2B | 21.9B |
| Total Debt | 16.5B | 17.4B | 18.7B | 19.1B | 18.7B |
| Net Debt | 15.5B | 16.6B | 18.1B | 18.5B | 17.8B |
| Share Issued | 36.6M | 37.6M | 38.3M | 38.3M | 38.4M |
| Ordinary Shares Number | 36.6M | 37.6M | 38.3M | 38.3M | 38.4M |
| Available For Sale Securities | 1.2B | 1.1B | 1.1B | 1.0B | 1.0B |
| Capital Lease Obligations | 107.8M | 108.3M | 108.3M | 107.3M | 101.8M |
| Cash Cash Equivalents And Federal Funds Sold | 4.1B | 3.6B | 3.7B | 3.6B | 3.4B |
| Construction In Progress | -- | 15.3M | 6.4M | 56.9M | -- |
| Derivative Product Liabilities | 77.6M | 94.7M | 70.5M | 164.8M | 135.2M |
| Employee Benefits | 8.4M | 22.5M | -- | -- | -- |
| Income Tax Payable | 72.9M | 28.3M | 7.3M | 57.7M | 68.0M |
| Land And Improvements | -- | 14.1M | 14.1M | 14.0M | -- |
| Leases | -- | 78.6M | 73.5M | 18.0M | -- |
| Line Of Credit | 576.7M | 1.5B | 1.4B | 1.4B | 768.8M |
| Machinery Furniture Equipment | -- | 52.9M | 50.1M | 40.2M | -- |
| Non Current Deferred Liabilities | 219.1M | 201.2M | 209.6M | 194.4M | 192.8M |
| Non Current Deferred Revenue | 13.9M | 2.0M | 5.3M | 3.5M | 2.4M |
| Non Current Deferred Taxes Liabilities | 205.2M | 199.2M | 204.3M | 190.9M | 190.4M |
| Other Equity Interest | 147.4M | 147.4M | 147.4M | 147.4M | 147.4M |
| Other Properties | 206.3M | 94.4M | 96.2M | 98.0M | 152.9M |
| Other Receivables | 1.1B | 1.1B | 1.1B | 1.1B | 1.2B |
| Preferred Shares Number | -- | -- | -- | -- | -- |
| Preferred Stock | -- | -- | 0.00 | 0.00 | 0.00 |
| Preferred Stock Equity | -- | -- | -- | -- | -- |
| Total Tax Payable | 72.9M | 28.3M | 7.3M | 57.7M | 68.0M |
| Line Item | Q1 2026Jan 31, 2026 | Q4 2025Oct 31, 2025 | Q3 2025Jul 31, 2025 | Q2 2025Apr 30, 2025 | Q1 2025Jan 31, 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | 295.2M | 235.5M | 314.5M | -364.9M | 186.8M |
| Cash Flow From Continuing Operating Activities | 295.2M | 235.5M | 314.5M | -364.9M | 186.8M |
| Depreciation And Amortization | 14.9M | 18.7M | 16.8M | 17.6M | 14.8M |
| Depreciation Amortization Depletion | 14.9M | 18.7M | 16.8M | 17.6M | 14.8M |
| Stock Based Compensation | 686,000 | 818,000 | 1.6M | 1.1M | 1.2M |
| Deferred Tax | 29.8M | 5.8M | 27.8M | 34.2M | 37.0M |
| Deferred Income Tax | 29.8M | 5.8M | 27.8M | 34.2M | 37.0M |
| Change In Working Capital | 138.3M | 86.3M | 44.7M | -377.9M | 47.6M |
| Change In Other Working Capital | 892.6M | 217.5M | 1.3B | 406.7M | 848.7M |
| Change In Other Current Assets | 412.4M | -112.2M | -231.1M | -157.7M | 133.2M |
| Change In Other Current Liabilities | 43.9M | 43.8M | -27.3M | 13.7M | 51.7M |
| Other Non Cash Items | 50.2M | 48.5M | 44.7M | 41.7M | 40.0M |
| Capital Expenditure | -31.4M | -19.6M | -21.8M | -27.5M | -16.0M |
| Purchase Of Business | -- | -4.2M | 0.00 | 0.00 | 0.00 |
| Purchase Of Investment | -40.0M | -17.9M | -370.8M | -12.7M | -3.7M |
| Sale Of Investment | 77.2M | 132.3M | 82.9M | 139.7M | 72.8M |
| Net Investment Purchase And Sale | 37.2M | 114.4M | -287.9M | 127.0M | 69.0M |
| Investing Cash Flow | 5.8M | 90.6M | -309.7M | 99.5M | 53.0M |
| Cash Flow From Continuing Investing Activities | 5.8M | 90.6M | -309.7M | 99.5M | 53.0M |
| Issuance Of Debt | -- | -- | 0.00 | -- | -- |
| Repayment Of Debt | -- | -- | -- | -- | -80,000 |
| Net Issuance Payments Of Debt | -- | 80,000 | 0.00 | -- | -80,000 |
| Issuance Of Capital Stock | 4.3M | 330,000 | 952,000 | 6.7M | 460,000 |
| Repurchase Of Capital Stock | -110.9M | -69.2M | 0.00 | -26.1M | -2.1M |
| Net Common Stock Issuance | -106.5M | -68.8M | 952,000 | -19.4M | -1.6M |
| Common Stock Dividend Paid | -22.0M | -21.5M | -20.8M | -20.1M | -19.7M |
| Common Stock Payments | -110.9M | -69.2M | 0.00 | -26.1M | -2.1M |
| Financing Cash Flow | -128.6M | -94.6M | -19.8M | -43.9M | -21.4M |
| Cash Flow From Continuing Financing Activities | -128.6M | -94.6M | -19.8M | -43.9M | -21.4M |
| Changes In Cash | 172.4M | 231.5M | -15.0M | -309.3M | 218.4M |
| Beginning Cash Position | 717.3M | 485.8M | 500.7M | 810.0M | 591.6M |
| End Cash Position | 889.6M | 717.3M | 485.8M | 500.7M | 810.0M |
| Free Cash Flow | 263.8M | 216.0M | 292.7M | -392.4M | 170.8M |
| Interest Paid Supplemental Data | 354.0M | 415.1M | 498.1M | 410.7M | 416.4M |
| Capital Expenditure Reported | -31.4M | -19.6M | -21.8M | -27.5M | -16.0M |
| Cash Dividends Paid | -22.0M | -21.5M | -20.8M | -20.1M | -19.7M |
| Common Stock Issuance | 4.3M | 330,000 | 952,000 | 6.7M | 460,000 |
| Gain Loss On Investment Securities | -22.4M | -8.1M | 92.5M | -170.9M | -38.1M |
| Long Term Debt Issuance | -- | -- | 0.00 | -- | -- |
| Long Term Debt Payments | -- | -- | -- | -- | -80,000 |
| Net Business Purchase And Sale | -- | -4.2M | 0.00 | 0.00 | 0.00 |
| Net Income From Continuing Operations | 79.5M | -4.8M | 73.4M | 90.3M | 107.7M |
| Net Long Term Debt Issuance | -- | 80,000 | 0.00 | -- | -80,000 |
| Net Other Financing Charges | -- | -4.4M | -- | -4.4M | -80,000 |
| Operating Gains Losses | -22.4M | -8.1M | 92.5M | -170.9M | -38.1M |
| Preferred Stock Dividend Paid | -- | 0.00 | 0.00 | 0.00 | 0.00 |
| Taxes Refund Paid | -32.4M | -20.1M | -20.3M | -28.5M | -39.2M |