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 | Q4 2024Oct 31, 2024 | Q3 2024Jul 31, 2024 |
|---|---|---|---|---|---|---|---|
| Total Revenue | 3.9B | 3.7B | 3.4B | 3.6B | 3.2B | 2.9B | -- |
| Operating Revenue | 3.9B | 3.7B | 3.4B | 3.6B | 3.2B | 2.9B | -- |
| Selling General And Administration | 1.3B | 1.2B | 1.2B | 1.2B | 1.0B | 954.0M | -- |
| General And Administrative Expense | 1.3B | 1.2B | 1.2B | 1.2B | 1.0B | 954.0M | -- |
| Interest Expense | 4.1B | 4.4B | 4.3B | 4.1B | 4.1B | 4.4B | -- |
| Interest Income | 5.4B | 5.6B | 5.4B | 5.3B | 5.0B | 5.2B | -- |
| Net Interest Income | 1.4B | 1.2B | 1.2B | 1.2B | 972.0M | 784.0M | -- |
| Special Income Charges | -67.0M | -181.0M | -94.0M | -348.0M | -77.0M | -20.0M | -- |
| Restructuring And Mergern Acquisition | 67.0M | 114.0M | 94.0M | 348.0M | 77.0M | 16.0M | -- |
| Gain On Sale Of Security | 30.0M | 64.0M | 12.0M | 23.0M | 26.0M | 99.0M | -- |
| Pretax Income | 1.6B | 1.4B | 1.3B | 1.2B | 1.3B | 1.2B | -- |
| Tax Provision | 384.0M | 308.0M | 256.0M | 267.0M | 286.0M | 235.0M | -- |
| Tax Effect Of Unusual Items | -15.4M | -40.8M | -17.9M | -80.0M | -16.9M | -3.9M | -- |
| Net Income From Continuing And Discontinued Operation | 1.3B | 1.1B | 1.1B | 896.0M | 997.0M | 955.0M | -- |
| Net Income From Continuing Operation Net Minority Interest | 1.3B | 1.1B | 1.1B | 896.0M | 997.0M | 955.0M | -- |
| Net Income Including Noncontrolling Interests | 1.3B | 1.1B | 1.1B | 896.0M | 997.0M | 955.0M | -- |
| Minority Interests | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -- |
| Net Income Common Stockholders | 1.2B | 1.0B | 1.0B | 853.0M | 958.0M | 915.0M | -- |
| Net Income | 1.3B | 1.1B | 1.1B | 896.0M | 997.0M | 955.0M | -- |
| Reconciled Depreciation | 166.0M | 215.0M | 147.0M | 154.0M | 138.0M | 130.0M | -- |
| Basic EPS | 3.12 | -- | 2.61 | 2.19 | 2.81 | -- | 2.92 |
| Diluted EPS | 3.08 | -- | 2.58 | 2.17 | 2.78 | -- | 2.89 |
| Basic Average Shares | 390.0M | -- | 391.6M | 390.1M | 340.7M | -- | 340.2M |
| Diluted Average Shares | 394.7M | -- | 395.9M | 393.9M | 345.0M | -- | 343.5M |
| Total Unusual Items | -67.0M | -181.0M | -94.0M | -348.0M | -77.0M | -20.0M | -- |
| Total Unusual Items Excluding Goodwill | -67.0M | -181.0M | -94.0M | -348.0M | -77.0M | -20.0M | -- |
| Tax Rate For Calcs | 0.23 | 0.23 | 0.19 | 0.23 | 0.22 | 0.20 | -- |
| Normalized Income | 1.3B | 1.2B | 1.1B | 1.2B | 1.1B | 971.1M | -- |
| Diluted NI Availto Com Stockholders | 1.2B | 1.0B | 1.0B | 853.0M | 958.0M | 915.0M | -- |
| Net Income Continuous Operations | 1.3B | 1.1B | 1.1B | 896.0M | 997.0M | 955.0M | -- |
| Occupancy And Equipment | 119.0M | 129.0M | 110.0M | 87.0M | 97.0M | 96.0M | -- |
| Other Non Interest Expense | 455.0M | 472.0M | 431.0M | 421.0M | 393.0M | 425.0M | -- |
| Preferred Stock Dividends | 37.0M | 41.0M | 42.0M | 43.0M | 39.0M | 40.0M | -- |
| Professional Expense And Contract Services Expense | 110.0M | 150.0M | 129.0M | 120.0M | 93.0M | 102.0M | -- |
| Salaries And Wages | 1.3B | 1.2B | 1.2B | 1.2B | 1.0B | 954.0M | -- |
| Line Item | Q1 2026Jan 31, 2026 | Q4 2025Oct 31, 2025 | Q3 2025Jul 31, 2025 | Q2 2025Apr 30, 2025 | Q1 2025Jan 31, 2025 | Q4 2024Oct 31, 2024 | Q3 2024Jul 31, 2024 |
|---|---|---|---|---|---|---|---|
| Cash And Cash Equivalents | 36.8B | 27.9B | 29.6B | 31.4B | 34.6B | 31.5B | -- |
| Other Short Term Investments | 5.0B | 5.3B | 4.1B | 3.6B | 4.4B | 4.2B | -- |
| Accounts Receivable | 4.1B | 3.0B | 2.7B | 2.7B | 2.9B | 3.0B | -- |
| Receivables | 7.2B | 5.6B | 6.8B | 6.7B | 7.5B | 7.3B | -- |
| Gross PPE | -- | 3.3B | -- | -- | -- | 2.8B | -- |
| Accumulated Depreciation | -- | -1.2B | -- | -- | -- | -960.0M | -- |
| Net PPE | 2.2B | 2.2B | 2.1B | 2.1B | 1.9B | 1.9B | -- |
| Goodwill | 3.1B | 3.1B | 3.1B | 3.1B | 1.5B | 1.5B | -- |
| Goodwill And Other Intangible Assets | 4.8B | 4.8B | 4.9B | 5.0B | 2.8B | 2.8B | -- |
| Other Intangible Assets | 1.7B | 1.7B | 1.8B | 1.9B | 1.2B | 1.2B | -- |
| Investments And Advances | 194.7B | 188.8B | 179.0B | 168.7B | 159.1B | 145.2B | -- |
| Long Term Equity Investment | 47.0M | 46.0M | 44.0M | 43.0M | 45.0M | 40.0M | -- |
| Total Assets | 605.9B | 576.9B | 552.6B | 536.2B | 483.8B | 462.2B | -- |
| Current Debt | 69.6B | 64.3B | 55.3B | 48.0B | 41.2B | 32.7B | -- |
| Current Debt And Capital Lease Obligation | 69.7B | 64.3B | 55.4B | 48.1B | 41.3B | 32.8B | -- |
| Accounts Payable | 6.3B | 7.7B | 6.8B | 6.8B | 5.9B | 6.6B | -- |
| Payables | 6.6B | 7.9B | 6.9B | 7.1B | 6.1B | 6.7B | -- |
| Payables And Accrued Expenses | 6.6B | 7.9B | 6.9B | 7.1B | 6.1B | 6.7B | -- |
| Long Term Debt | 50.6B | 43.6B | 41.9B | 41.1B | 42.6B | 41.6B | -- |
| Long Term Debt And Capital Lease Obligation | 51.1B | 44.1B | 42.5B | 41.6B | 43.0B | 42.0B | -- |
| Long Term Capital Lease Obligation | 568.0M | 555.0M | 534.0M | 551.0M | 421.0M | 397.0M | -- |
| Total Liabilities Net Minority Interest | 572.7B | 543.1B | 519.2B | 503.3B | 457.4B | 436.7B | -- |
| Common Stock | 9.8B | 9.9B | 9.9B | 9.8B | 3.5B | 3.5B | -- |
| Capital Stock | 11.4B | 11.5B | 11.5B | 11.4B | 5.1B | 5.1B | -- |
| Additional Paid In Capital | 133.0M | 137.0M | 124.0M | 113.0M | 84.0M | 85.0M | -- |
| Retained Earnings | 20.5B | 20.4B | 20.1B | 19.8B | 19.2B | 18.6B | -- |
| Gains Losses Not Affecting Retained Earnings | 173.0M | 287.0M | 162.0M | 59.0M | 435.0M | 219.0M | -- |
| Common Stock Equity | 31.6B | 32.2B | 31.8B | 31.3B | 24.7B | 23.9B | -- |
| Stockholders Equity | 33.2B | 33.8B | 33.4B | 32.9B | 26.4B | 25.6B | -- |
| Total Equity Gross Minority Interest | 33.2B | 33.8B | 33.4B | 32.9B | 26.4B | 25.6B | -- |
| Minority Interest | 0.00 | 0.00 | 1.0M | 1.0M | 1.0M | 0.00 | -- |
| Total Capitalization | 83.8B | 77.4B | 75.3B | 74.0B | 69.0B | 67.1B | -- |
| Net Tangible Assets | 28.4B | 28.9B | 28.5B | 28.0B | 23.6B | 22.8B | -- |
| Tangible Book Value | 26.8B | 27.3B | 26.8B | 26.3B | 22.0B | 21.1B | -- |
| Invested Capital | 151.8B | 140.0B | 129.0B | 120.4B | 108.5B | 98.2B | -- |
| Total Debt | 120.9B | 108.5B | 97.8B | 89.7B | 84.2B | 74.8B | -- |
| Net Debt | 83.4B | 79.9B | 67.7B | 57.7B | 49.1B | 42.8B | -- |
| Share Issued | 388.3M | 391.1M | 392.0M | 391.3M | 341.1M | 340.7M | -- |
| Ordinary Shares Number | 388.3M | 391.1M | 392.0M | 391.3M | 341.1M | 340.7M | -- |
| Available For Sale Securities | 189.6B | 183.5B | 174.9B | 165.1B | 154.6B | 141.0B | -- |
| Buildings And Improvements | -- | 944.0M | -- | -- | -- | 895.0M | -- |
| Capital Lease Obligations | 653.0M | 644.0M | 617.0M | 620.0M | 497.0M | 472.0M | -- |
| Cash Cash Equivalents And Federal Funds Sold | 76.6B | 55.0B | 52.9B | 52.3B | 49.8B | 47.8B | -- |
| Commercial Paper | 47.0B | 45.1B | 38.4B | 35.5B | 33.5B | 29.3B | -- |
| Construction In Progress | -- | 0.00 | -- | -- | -- | 0.00 | -- |
| Current Capital Lease Obligation | 85.0M | 89.0M | 83.0M | 69.0M | 76.0M | 75.0M | -- |
| Current Notes Payable | 22.6B | 19.1B | 17.0B | 12.5B | 7.7B | 3.4B | -- |
| Defined Pension Benefit | 410.0M | 441.0M | 456.0M | 638.0M | 518.0M | 487.0M | -- |
| Derivative Product Liabilities | 15.4B | 16.0B | 15.4B | 18.1B | 18.7B | 15.8B | -- |
| Employee Benefits | 96.0M | 98.0M | 99.0M | 105.0M | 105.0M | 103.0M | -- |
| Income Tax Payable | 313.0M | 185.0M | 172.0M | 243.0M | 199.0M | 123.0M | -- |
| Land And Improvements | -- | 92.0M | -- | -- | -- | 90.0M | -- |
| Leases | -- | 1.7B | -- | -- | -- | 1.3B | -- |
| Long Term Provisions | 319.0M | 291.0M | 292.0M | 275.0M | 252.0M | 242.0M | -- |
| Machinery Furniture Equipment | -- | 428.0M | -- | -- | -- | 384.0M | -- |
| Non Current Deferred Liabilities | 245.0M | 324.0M | 364.0M | 260.0M | 86.0M | 69.0M | -- |
| Non Current Deferred Taxes Liabilities | 245.0M | 324.0M | 364.0M | 260.0M | 86.0M | 69.0M | -- |
| Other Equity Interest | 1.0B | 1.5B | 1.5B | 1.5B | 1.5B | 1.5B | -- |
| Other Properties | -- | 185.0M | -- | -- | -- | 155.0M | -- |
| Other Receivables | 3.0B | 2.6B | 4.1B | 4.0B | 4.6B | 4.2B | -- |
| Preferred Shares Number | 52.0M | 64.0M | 64.0M | 64.0M | 66.0M | 66.0M | -- |
| Preferred Stock | 1.6B | 1.6B | 1.6B | 1.6B | 1.6B | 1.6B | -- |
| Preferred Stock Equity | 1.6B | 1.6B | 1.6B | 1.6B | 1.6B | 1.6B | -- |
| Total Tax Payable | 313.0M | 185.0M | 172.0M | 243.0M | 199.0M | 123.0M | -- |
| Line Item | Q1 2026Jan 31, 2026 | Q4 2025Oct 31, 2025 | Q3 2025Jul 31, 2025 | Q2 2025Apr 30, 2025 | Q1 2025Jan 31, 2025 | Q4 2024Oct 31, 2024 | Q3 2024Jul 31, 2024 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 13.9B | 1.0B | 863.0M | -1.8B | 4.6B | 260.0M | -- |
| Cash Flow From Continuing Operating Activities | 13.9B | 1.0B | 863.0M | -1.8B | 4.6B | 260.0M | -- |
| Depreciation And Amortization | 166.0M | 215.0M | 147.0M | 154.0M | 138.0M | 130.0M | -- |
| Depreciation Amortization Depletion | 166.0M | 215.0M | 147.0M | 154.0M | 138.0M | 130.0M | -- |
| Stock Based Compensation | 6.0M | 6.0M | 7.0M | 6.0M | 5.0M | 4.0M | -- |
| Deferred Tax | 5.0M | -119.0M | 112.0M | -208.0M | 35.0M | -72.0M | -- |
| Deferred Income Tax | 5.0M | -119.0M | 112.0M | -208.0M | 35.0M | -72.0M | -- |
| Change In Working Capital | 12.3B | -392.0M | -650.0M | -3.2B | 3.2B | -819.0M | -- |
| Change In Other Working Capital | 11.4B | 16.0B | 5.0B | -653.0M | 7.1B | 7.6B | -- |
| Capital Expenditure | -103.0M | -184.0M | -92.0M | -97.0M | -129.0M | -157.0M | -- |
| Net PPE Purchase And Sale | -34.0M | -65.0M | -53.0M | -50.0M | -65.0M | -80.0M | -- |
| Sale Of Business | 2.0M | -17.0M | 0.00 | 148.0M | 0.00 | -- | 0.00 |
| Purchase Of Investment | -8.5B | -6.9B | -7.9B | -5.8B | -11.0B | -4.4B | -- |
| Sale Of Investment | 5.7B | 5.1B | 5.0B | 6.5B | 8.1B | 3.6B | -- |
| Net Investment Purchase And Sale | -2.8B | -1.7B | -2.9B | 681.0M | -2.8B | -794.0M | -- |
| Investing Cash Flow | -2.9B | -1.9B | -2.9B | 732.0M | -2.9B | -951.0M | -- |
| Cash Flow From Continuing Investing Activities | -2.9B | -1.9B | -2.9B | 732.0M | -2.9B | -951.0M | -- |
| Issuance Of Debt | 0.00 | 0.00 | 750.0M | 0.00 | 1.0B | 0.00 | -- |
| Repayment Of Debt | -26.0M | -24.0M | -131.0M | -22.0M | -24.0M | -23.0M | -- |
| Net Issuance Payments Of Debt | -26.0M | -24.0M | 619.0M | -22.0M | 976.0M | -23.0M | -- |
| Issuance Of Capital Stock | 40.0M | 31.0M | 49.0M | -11.0M | 19.0M | 20.0M | -- |
| Repurchase Of Capital Stock | -1.1B | -213.0M | 0.00 | -300.0M | 0.00 | -- | 0.00 |
| Net Common Stock Issuance | -579.0M | -182.0M | 49.0M | -11.0M | 19.0M | 20.0M | -- |
| Common Stock Payments | -619.0M | -- | -- | -- | 0.00 | -- | -- |
| Financing Cash Flow | -1.6B | -1.1B | 159.0M | -843.0M | 561.0M | -422.0M | -- |
| Cash Flow From Continuing Financing Activities | -1.6B | -1.1B | 159.0M | -843.0M | 561.0M | -422.0M | -- |
| Effect Of Exchange Rate Changes | -480.0M | 317.0M | 61.0M | -1.2B | 857.0M | 173.0M | -- |
| Changes In Cash | 9.3B | -2.0B | -1.9B | -1.9B | 2.2B | -1.1B | -- |
| Beginning Cash Position | 27.9B | 29.6B | 31.4B | 34.6B | 31.5B | 32.5B | -- |
| End Cash Position | 36.8B | 27.9B | 29.6B | 31.4B | 34.6B | 31.5B | -- |
| Free Cash Flow | 13.8B | 830.0M | 771.0M | -1.9B | 4.5B | 103.0M | -- |
| Income Tax Paid Supplemental Data | 315.0M | 423.0M | 215.0M | 471.0M | 68.0M | 291.0M | -- |
| Interest Paid Supplemental Data | 4.3B | 4.3B | 4.4B | 3.5B | 4.3B | 4.4B | -- |
| Amortization Cash Flow | 95.0M | 143.0M | 76.0M | 79.0M | 75.0M | 69.0M | -- |
| Amortization Of Intangibles | 95.0M | 143.0M | 76.0M | 79.0M | 75.0M | 69.0M | -- |
| Cash Dividends Paid | -526.0M | -509.0M | -510.0M | -499.0M | -434.0M | -419.0M | -- |
| Common Stock Issuance | 40.0M | 31.0M | 49.0M | -11.0M | 19.0M | 20.0M | -- |
| Depreciation | 71.0M | 72.0M | 71.0M | 75.0M | 63.0M | 61.0M | -- |
| Earnings Losses From Equity Investments | -2.0M | -2.0M | -2.0M | -2.0M | -2.0M | -2.0M | -- |
| Gain Loss On Investment Securities | -38.0M | -64.0M | -19.0M | -22.0M | -23.0M | -48.0M | -- |
| Long Term Debt Issuance | 0.00 | 0.00 | 750.0M | 0.00 | 1.0B | 0.00 | -- |
| Long Term Debt Payments | -26.0M | -24.0M | -131.0M | -22.0M | -24.0M | -23.0M | -- |
| Net Business Purchase And Sale | 2.0M | -17.0M | 0.00 | 148.0M | 0.00 | -- | 0.00 |
| Net Income From Continuing Operations | 1.3B | 1.1B | 1.1B | 896.0M | 997.0M | 955.0M | -- |
| Net Intangibles Purchase And Sale | -69.0M | -119.0M | -39.0M | -47.0M | -64.0M | -77.0M | -- |
| Net Long Term Debt Issuance | -26.0M | -24.0M | 619.0M | -22.0M | 976.0M | -23.0M | -- |
| Net Other Financing Charges | -- | -337.0M | 1.0M | -- | -- | -- | -- |
| Net Preferred Stock Issuance | -500.0M | 0.00 | 0.00 | -300.0M | 0.00 | -- | 0.00 |
| Operating Gains Losses | -32.0M | -66.0M | -14.0M | -25.0M | -24.0M | -47.0M | -- |
| Preferred Stock Payments | -500.0M | 0.00 | 0.00 | -300.0M | 0.00 | -- | 0.00 |
| Unrealized Gain Loss On Investment Securities | 0.00 | 0.00 | 0.00 | 0.00 | -4.0M | -54.0M | -- |