Income Statement
Balance Sheet
Cash Flow
| Line Item | Q4 2025Oct 31, 2025 | Q3 2025Jul 31, 2025 | Q2 2025Apr 30, 2025 | Q1 2025Jan 31, 2025 | Q4 2024Oct 31, 2024 |
|---|---|---|---|---|---|
| Total Revenue | 244.7M | 246.8M | 242.5M | 248.8M | 236.8M |
| Operating Revenue | 244.7M | 246.8M | 242.5M | 248.8M | 236.8M |
| Selling General And Administration | 121.8M | 96.7M | 92.4M | 96.9M | 115.7M |
| General And Administrative Expense | 94.5M | 96.7M | 92.4M | 96.9M | 87.2M |
| Interest Expense | 338.2M | 339.6M | 330.2M | 352.1M | 373.2M |
| Interest Income | 520.9M | 525.5M | 512.4M | 538.3M | 547.1M |
| Net Interest Income | 182.7M | 185.9M | 182.2M | 186.2M | 173.9M |
| Special Income Charges | -3.7M | -2.9M | -2.2M | -1.2M | -2.5M |
| Restructuring And Mergern Acquisition | 2.9M | 2.3M | 2.2M | 690,000 | 9.3M |
| Gain On Sale Of Security | -36.1M | 15.9M | 15.9M | 16.3M | -33.9M |
| Pretax Income | 37.8M | 45.9M | 41.3M | 47.5M | 45.9M |
| Tax Provision | 6.3M | 8.5M | 9.0M | 8.9M | 5.2M |
| Tax Effect Of Unusual Items | -627,933 | -535,256 | -482,174 | -215,424 | -284,500 |
| Net Income From Continuing And Discontinued Operation | 31.5M | 37.5M | 32.3M | 38.6M | 40.7M |
| Net Income From Continuing Operation Net Minority Interest | 31.5M | 37.5M | 32.3M | 38.6M | 40.7M |
| Net Income Including Noncontrolling Interests | 31.5M | 37.5M | 32.3M | 38.6M | 40.7M |
| Net Income Common Stockholders | 29.5M | 32.2M | 30.4M | 33.4M | 38.7M |
| Net Income | 31.5M | 37.5M | 32.3M | 38.6M | 40.7M |
| Reconciled Depreciation | 12.9M | 11.4M | 10.9M | 11.1M | 11.6M |
| Basic EPS | -- | 0.73 | 0.69 | 0.76 | -- |
| Diluted EPS | -- | 0.73 | 0.69 | 0.76 | -- |
| Basic Average Shares | -- | 44.3M | 44.2M | 44.0M | -- |
| Diluted Average Shares | -- | 44.3M | 44.2M | 44.1M | -- |
| Total Unusual Items | -3.7M | -2.9M | -2.2M | -1.2M | -2.5M |
| Total Unusual Items Excluding Goodwill | -3.7M | -2.9M | -2.2M | -1.2M | -2.5M |
| Tax Rate For Calcs | 0.17 | 0.18 | 0.22 | 0.19 | 0.11 |
| Normalized Income | 34.6M | 39.8M | 34.1M | 39.5M | 42.9M |
| Diluted NI Availto Com Stockholders | 29.5M | 32.2M | 30.4M | 33.4M | 38.7M |
| Gain On Sale Of Business | 0.00 | 0.00 | 0.00 | 875,000 | -- |
| Impairment Of Capital Assets | 880,000 | 652,000 | 0.00 | 1.3M | 7.2M |
| Net Income Continuous Operations | 31.5M | 37.5M | 32.3M | 38.6M | 40.7M |
| Occupancy And Equipment | 54.5M | 53.9M | 51.8M | 50.9M | 52.1M |
| Other Non Interest Expense | -54.4M | 36.2M | 38.1M | 37.1M | -40.0M |
| Preferred Stock Dividends | 1.9M | 5.2M | 1.9M | 5.2M | 1.9M |
| Salaries And Wages | 94.5M | 96.7M | 92.4M | 96.9M | 87.2M |
| Line Item | Q4 2025Oct 31, 2025 | Q3 2025Jul 31, 2025 | Q2 2025Apr 30, 2025 | Q1 2025Jan 31, 2025 | Q4 2024Oct 31, 2024 |
|---|---|---|---|---|---|
| Cash And Cash Equivalents | 1.4B | 1.3B | 824.4M | 2.0B | 1.5B |
| Cash Financial | 57.8M | 75.6M | 60.5M | 82.4M | 53.3M |
| Other Short Term Investments | 276.7M | 274.5M | 250.1M | 248.5M | 167.1M |
| Accounts Receivable | 189.5M | -- | -- | -- | 198.7M |
| Receivables | 229.1M | -- | -- | -- | 237.9M |
| Prepaid Assets | 202.0M | -- | -- | -- | 215.0M |
| Gross PPE | 197.5M | -- | -- | -- | 186.4M |
| Accumulated Depreciation | -106.0M | -- | -- | -- | -101.0M |
| Net PPE | 91.6M | 85.7M | 86.3M | 81.4M | 85.4M |
| Goodwill | -- | -- | -- | -- | 0.00 |
| Goodwill And Other Intangible Assets | 182.1M | 183.2M | 178.8M | 179.6M | 181.3M |
| Other Intangible Assets | 182.1M | -- | -- | 179.6M | 181.3M |
| Investments And Advances | 7.8B | 7.9B | 7.9B | 6.5B | 6.1B |
| Total Assets | 50.1B | 49.9B | 49.5B | 48.8B | 47.4B |
| Accounts Payable | 1.2B | -- | -- | -- | 1.1B |
| Payables | 1.2B | -- | -- | -- | 1.1B |
| Payables And Accrued Expenses | 1.2B | -- | -- | -- | 1.1B |
| Long Term Debt | 15.5B | 15.6B | 15.6B | 16.0B | 15.5B |
| Long Term Debt And Capital Lease Obligation | 15.6B | 15.6B | 15.6B | 16.0B | 15.6B |
| Long Term Capital Lease Obligation | 105.8M | -- | -- | -- | 113.9M |
| Total Liabilities Net Minority Interest | 47.3B | 47.1B | 46.7B | 45.9B | 44.6B |
| Common Stock | 1.2B | 1.2B | 1.2B | 1.2B | 1.2B |
| Capital Stock | 1.3B | 1.4B | 1.4B | 1.4B | 1.3B |
| Retained Earnings | 1.4B | 1.3B | 1.3B | 1.3B | 1.3B |
| Gains Losses Not Affecting Retained Earnings | 72.2M | 61.0M | 79.9M | 102.8M | 81.2M |
| Other Equity Adjustments | 72.2M | 61.0M | 79.9M | 102.8M | 81.2M |
| Common Stock Equity | 2.8B | 2.6B | 2.6B | 2.6B | 2.7B |
| Stockholders Equity | 2.9B | 2.9B | 2.9B | 2.9B | 2.8B |
| Total Equity Gross Minority Interest | 2.9B | 2.9B | 2.9B | 2.9B | 2.8B |
| Total Capitalization | 18.4B | 18.4B | 18.4B | 18.8B | 18.3B |
| Net Tangible Assets | 2.7B | 2.7B | 2.7B | 2.7B | 2.6B |
| Tangible Book Value | 2.6B | 2.4B | 2.4B | 2.4B | 2.5B |
| Invested Capital | 18.3B | 18.2B | 18.2B | 18.6B | 18.2B |
| Total Debt | 15.6B | 15.6B | 15.6B | 16.0B | 15.6B |
| Net Debt | 14.2B | 14.2B | 14.8B | 14.0B | 14.0B |
| Share Issued | 44.6M | 44.3M | 44.2M | 44.1M | 44.0M |
| Ordinary Shares Number | 44.6M | 44.3M | 44.2M | 44.1M | 44.0M |
| Available For Sale Securities | 7.5B | 7.6B | 7.7B | 6.2B | 5.9B |
| Capital Lease Obligations | 105.8M | -- | -- | -- | 113.9M |
| Cash Cash Equivalents And Federal Funds Sold | 5.4B | 5.3B | 4.7B | 5.7B | 5.1B |
| Defined Pension Benefit | 28.2M | -- | -- | -- | 28.5M |
| Derivative Product Liabilities | 282.2M | 258.5M | 255.5M | 535.0M | 333.7M |
| Employee Benefits | 14.4M | -- | -- | -- | 14.8M |
| Income Tax Payable | 17.1M | -- | -- | -- | 18.6M |
| Machinery Furniture Equipment | 35.1M | -- | -- | -- | 37.8M |
| Non Current Deferred Liabilities | 66.9M | 63.6M | 63.3M | 62.5M | 61.5M |
| Non Current Deferred Taxes Liabilities | 66.9M | 63.6M | 63.3M | 62.5M | 61.5M |
| Other Equity Interest | 129.5M | 7.3M | 7.3M | 7.2M | 130.3M |
| Other Properties | 108.5M | -- | -- | -- | 96.0M |
| Other Receivables | 39.7M | -- | -- | -- | 39.2M |
| Preferred Shares Number | 5.0M | 5.0M | 5.0M | 5.0M | 5.0M |
| Preferred Stock | 122.1M | 245.7M | 245.6M | 245.6M | 122.1M |
| Preferred Stock Equity | 122.1M | 245.7M | 245.6M | 245.6M | 122.1M |
| Properties | 53.9M | -- | -- | -- | 52.6M |
| Total Tax Payable | 17.1M | -- | -- | -- | 18.6M |
| Line Item | Q4 2025Oct 31, 2025 | Q3 2025Jul 31, 2025 | Q2 2025Apr 30, 2025 | Q1 2025Jan 31, 2025 | Q4 2024Oct 31, 2024 |
|---|---|---|---|---|---|
| Operating Cash Flow | -408.6M | 483.8M | -682.0M | 988.5M | -96.5M |
| Cash Flow From Continuing Operating Activities | -408.6M | 483.8M | -682.0M | 988.5M | -96.5M |
| Depreciation And Amortization | 12.9M | 11.4M | 10.9M | 11.1M | 11.6M |
| Depreciation Amortization Depletion | 12.9M | 11.4M | 10.9M | 11.1M | 11.6M |
| Deferred Tax | -2.0M | -2.4M | 2.8M | -1.9M | -5.3M |
| Deferred Income Tax | -2.0M | -2.4M | 2.8M | -1.9M | -5.3M |
| Change In Working Capital | -470.0M | 425.5M | -744.9M | 924.3M | -160.8M |
| Change In Other Working Capital | -274.7M | 174.9M | -586.3M | 1.3B | 30.1M |
| Capital Expenditure | -10.4M | -14.8M | -7.9M | -6.8M | -9.8M |
| Purchase Of PPE | -10.4M | -14.8M | -7.9M | -6.8M | -9.8M |
| Net PPE Purchase And Sale | -10.4M | -14.8M | -7.9M | -6.8M | -9.8M |
| Purchase Of Investment | -923.3M | -1.8B | -1.5B | -1.0B | -823.1M |
| Sale Of Investment | 1.4B | 1.8B | 1.0B | 595.1M | 1.1B |
| Net Investment Purchase And Sale | 430.9M | 49.5M | -479.6M | -434.1M | 325.1M |
| Investing Cash Flow | 404.9M | -443.7M | 706.8M | -953.4M | 145.8M |
| Cash Flow From Continuing Investing Activities | 404.9M | -443.7M | 706.8M | -953.4M | 145.8M |
| Repayment Of Debt | -4.5M | -4.5M | -4.8M | -4.3M | 7.0M |
| Net Issuance Payments Of Debt | -1.6M | -2.1M | -2.7M | -7.9M | -4.3M |
| Issuance Of Capital Stock | 8.0M | 16,000 | -- | -- | 11,000 |
| Repurchase Of Capital Stock | -- | -- | -5,000 | -4,000 | -- |
| Net Common Stock Issuance | 8.0M | 16,000 | -5,000 | -4,000 | 11,000 |
| Common Stock Payments | -- | -- | -5,000 | -4,000 | -- |
| Financing Cash Flow | -15.5M | -25.7M | -22.4M | -30.7M | -23.9M |
| Cash Flow From Continuing Financing Activities | -15.5M | -25.7M | -22.4M | -30.7M | -23.9M |
| Effect Of Exchange Rate Changes | 1.4M | 604,000 | -2.7M | 4.4M | 1.8M |
| Changes In Cash | -19.2M | 14.5M | 2.4M | 4.5M | 25.5M |
| Beginning Cash Position | 75.6M | 60.5M | 60.8M | 73.6M | 67.1M |
| End Cash Position | 57.8M | 75.6M | 60.5M | 82.4M | 133.5M |
| Free Cash Flow | -419.0M | 469.0M | -689.9M | 981.7M | -106.2M |
| Income Tax Paid Supplemental Data | 5.4M | -- | 35.4M | 14.6M | 1.6M |
| Interest Paid Supplemental Data | 326.8M | 376.7M | 290.2M | 307.0M | 351.0M |
| Amortization Cash Flow | 8.6M | 7.1M | 6.4M | 7.0M | 7.1M |
| Amortization Of Intangibles | 8.6M | 7.1M | 6.4M | 7.0M | 7.1M |
| Asset Impairment Charge | 958,000 | 657,000 | 112,000 | 1.3M | 7.0M |
| Cash Dividends Paid | -21.8M | -23.7M | -19.7M | -22.8M | -20.5M |
| Common Stock Issuance | 8.0M | 16,000 | -- | -- | 11,000 |
| Depreciation | 4.3M | 4.3M | 4.5M | 4.1M | 4.4M |
| Long Term Debt Payments | -4.5M | -4.5M | -4.8M | -4.3M | 7.0M |
| Net Income From Continuing Operations | 31.5M | 37.5M | 32.3M | 38.6M | 40.7M |
| Net Long Term Debt Issuance | -1.6M | -2.1M | -2.7M | -7.9M | -4.3M |
| Net Other Financing Charges | 8,000 | 60,000 | -- | 74,000 | 858,000 |