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 | 16.5B | 15.9B | 15.5B | 15.0B | 14.9B | 14.7B | -- |
| Operating Revenue | 16.5B | 15.9B | 15.5B | 15.0B | 14.9B | 14.7B | -- |
| Selling General And Administration | 6.9B | 6.7B | 6.5B | 6.3B | 6.5B | 6.9B | -- |
| General And Administrative Expense | 6.6B | 6.2B | 6.1B | 5.9B | 6.2B | 6.4B | -- |
| Depreciation And Amortization In Income Statement | 208.0M | 198.0M | 201.0M | 194.0M | 187.0M | 176.0M | -- |
| Interest Expense | 11.9B | 12.9B | 13.2B | 13.5B | 15.0B | 15.8B | -- |
| Interest Income | 20.7B | 21.4B | 21.7B | 21.6B | 22.9B | 23.8B | -- |
| Net Interest Income | 8.8B | 8.5B | 8.5B | 8.1B | 7.9B | 7.9B | -- |
| Special Income Charges | -200.0M | -797.0M | -682.0M | 7.6B | -1.0B | 536.0M | -- |
| Restructuring And Mergern Acquisition | 244.0M | 768.0M | 682.0M | 1.4B | 1.0B | 487.0M | -- |
| Gain On Sale Of Security | 0.00 | -1.0M | 1.0M | -1.0M | 0.00 | 0.00 | -- |
| Pretax Income | 5.2B | 4.1B | 4.2B | 12.0B | 3.3B | 4.0B | -- |
| Tax Provision | 1.1B | 822.0M | 905.0M | 985.0M | 698.0M | 534.0M | -- |
| Tax Effect Of Unusual Items | -43.6M | -159.7M | -145.3M | 623.4M | -221.2M | 71.7M | -- |
| Net Income From Continuing And Discontinued Operation | 4.0B | 3.3B | 3.3B | 11.1B | 2.8B | 3.6B | -- |
| Net Income From Continuing Operation Net Minority Interest | 4.0B | 3.3B | 3.3B | 11.1B | 2.8B | 3.6B | -- |
| Net Income Including Noncontrolling Interests | 4.0B | 3.3B | 3.3B | 11.1B | 2.8B | 3.6B | -- |
| Net Income Common Stockholders | 3.9B | 3.1B | 3.2B | 10.9B | 2.7B | 3.4B | -- |
| Net Income | 4.0B | 3.3B | 3.3B | 11.1B | 2.8B | 3.6B | -- |
| Reconciled Depreciation | 546.0M | 572.0M | 528.0M | 534.0M | 532.0M | 544.0M | -- |
| Basic EPS | 2.35 | -- | 1.89 | 6.28 | 1.55 | -- | -0.14 |
| Diluted EPS | 2.34 | -- | 1.89 | 6.27 | 1.55 | -- | -0.14 |
| Basic Average Shares | 1.7B | -- | 1.7B | 1.7B | 1.7B | -- | 1.7B |
| Diluted Average Shares | 1.7B | -- | 1.7B | 1.7B | 1.8B | -- | 1.7B |
| Total Unusual Items | -200.0M | -797.0M | -682.0M | 7.6B | -1.0B | 536.0M | -- |
| Total Unusual Items Excluding Goodwill | -200.0M | -797.0M | -682.0M | 7.6B | -1.0B | 536.0M | -- |
| Tax Rate For Calcs | 0.22 | 0.20 | 0.21 | 0.08 | 0.21 | 0.13 | -- |
| Normalized Income | 4.2B | 3.9B | 3.9B | 4.2B | 3.6B | 3.2B | -- |
| Amortization | 208.0M | 198.0M | 201.0M | 194.0M | 187.0M | 176.0M | -- |
| Amortization Of Intangibles Income Statement | 208.0M | 198.0M | 201.0M | 194.0M | 187.0M | 176.0M | -- |
| Depreciation Amortization Depletion Income Statement | 208.0M | 198.0M | 201.0M | 194.0M | 187.0M | 176.0M | -- |
| Diluted NI Availto Com Stockholders | 3.9B | 3.1B | 3.2B | 10.9B | 2.7B | 3.4B | -- |
| Earnings From Equity Interest Net Of Tax | 0.00 | 0.00 | 0.00 | 74.0M | 231.0M | 178.0M | -- |
| Gain On Sale Of Business | -- | 0.00 | 0.00 | 9.0B | -- | -- | 0.00 |
| Insurance And Claims | 1.6B | 1.6B | 1.6B | 1.4B | 1.5B | 2.4B | -- |
| Net Income Continuous Operations | 4.0B | 3.3B | 3.3B | 11.1B | 2.8B | 3.6B | -- |
| Occupancy And Equipment | 1.2B | 1.2B | 1.2B | 1.2B | 1.2B | 1.3B | -- |
| Other Non Interest Expense | 679.0M | 564.0M | 634.0M | 548.0M | 617.0M | 766.0M | -- |
| Other Special Charges | -44.0M | -- | -- | -- | -- | -20.0M | 3.6B |
| Preferred Stock Dividends | 101.0M | 191.0M | 88.0M | 200.0M | 86.0M | 193.0M | -- |
| Professional Expense And Contract Services Expense | 1.0B | 1.3B | 1.1B | 957.0M | 893.0M | 1.1B | -- |
| Salaries And Wages | 5.0B | 4.6B | 4.5B | 4.5B | 4.7B | 4.1B | -- |
| Selling And Marketing Expense | 355.0M | 484.0M | 391.0M | 427.0M | 341.0M | 431.0M | -- |
| 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 | 120.0B | 116.9B | 122.5B | 145.7B | 143.0B | 178.0B | -- |
| Cash Financial | 6.3B | 7.5B | 5.5B | 5.5B | 6.6B | 6.4B | -- |
| Other Short Term Investments | 127.4B | 39.1B | 122.7B | 116.8B | 108.5B | 52.5B | -- |
| Accounts Receivable | 15.3B | 15.0B | 19.7B | 20.1B | 19.3B | 13.6B | -- |
| Receivables | 56.3B | 46.2B | 43.3B | 55.5B | 51.1B | 39.8B | -- |
| Prepaid Assets | 1.8B | 1.8B | 2.1B | 1.7B | 2.3B | 1.8B | -- |
| Gross PPE | -- | 13.9B | -- | -- | -- | 13.7B | -- |
| Accumulated Depreciation | -- | -3.8B | -- | -- | -- | -3.9B | -- |
| Net PPE | 9.9B | 10.1B | 9.8B | 9.7B | 10.2B | 9.8B | -- |
| Goodwill | 18.5B | 19.0B | 18.8B | 18.7B | 19.6B | 18.9B | -- |
| Goodwill And Other Intangible Assets | 21.9B | 22.4B | 22.1B | 21.9B | 22.7B | 21.9B | -- |
| Other Intangible Assets | 3.4B | 3.4B | 3.3B | 3.2B | 3.2B | 3.0B | -- |
| Investments And Advances | 587.4B | 576.2B | 559.4B | 551.3B | 557.9B | 540.9B | -- |
| Long Term Equity Investment | 5.2B | 5.2B | 0.00 | 0.00 | 9.2B | 13.9B | -- |
| Total Assets | 2099.3B | 2094.6B | 2035.2B | 2064.3B | 2093.6B | 2061.8B | -- |
| Current Debt | 244.7B | 211.7B | 208.3B | 220.6B | 240.3B | 251.3B | -- |
| Current Debt And Capital Lease Obligation | 244.7B | 211.7B | 208.3B | 220.6B | 240.3B | 251.3B | -- |
| Accounts Payable | 44.9B | 41.0B | 32.5B | 45.0B | 39.8B | 39.9B | -- |
| Payables | 45.2B | 41.3B | 33.1B | 45.4B | 40.0B | 39.9B | -- |
| Payables And Accrued Expenses | 49.9B | 48.6B | 38.8B | 49.9B | 44.0B | 45.3B | -- |
| Current Accrued Expenses | 4.7B | 7.3B | 5.7B | 4.5B | 4.1B | 5.4B | -- |
| Long Term Debt | 225.9B | 225.3B | 207.9B | 214.7B | 220.2B | 204.3B | -- |
| Long Term Debt And Capital Lease Obligation | 231.2B | 230.7B | 213.0B | 219.7B | 225.4B | 209.3B | -- |
| Long Term Capital Lease Obligation | 5.2B | 5.4B | 5.1B | 5.0B | 5.2B | 5.0B | -- |
| Total Liabilities Net Minority Interest | 1973.7B | 1966.7B | 1909.8B | 1938.2B | 1974.5B | 1946.6B | -- |
| Common Stock | 24.6B | 24.7B | 25.0B | 25.1B | 25.5B | 25.4B | -- |
| Capital Stock | 36.2B | 36.4B | 35.8B | 36.3B | 36.7B | 36.3B | -- |
| Additional Paid In Capital | 315.0M | 285.0M | 243.0M | 199.0M | 189.0M | 204.0M | -- |
| Retained Earnings | 78.3B | 78.3B | 78.7B | 78.6B | 71.7B | 70.8B | -- |
| Treasury Stock | 16.0M | 4.0M | 94.0M | 54.0M | 89.0M | 35.0M | -- |
| Gains Losses Not Affecting Retained Earnings | 10.9B | 12.9B | 10.7B | 11.0B | 10.5B | 7.9B | -- |
| Common Stock Equity | 114.0B | 116.2B | 114.6B | 115.0B | 107.9B | 104.3B | -- |
| Stockholders Equity | 125.6B | 127.8B | 125.4B | 126.1B | 119.0B | 115.2B | -- |
| Total Equity Gross Minority Interest | 125.6B | 127.8B | 125.4B | 126.1B | 119.0B | 115.2B | -- |
| Total Capitalization | 351.5B | 353.2B | 333.3B | 340.8B | 339.2B | 319.5B | -- |
| Net Tangible Assets | 103.7B | 105.4B | 103.3B | 104.2B | 96.3B | 93.3B | -- |
| Tangible Book Value | 92.1B | 93.8B | 92.5B | 93.1B | 85.1B | 82.4B | -- |
| Invested Capital | 584.6B | 553.3B | 530.8B | 550.3B | 568.4B | 559.9B | -- |
| Total Debt | 475.9B | 442.4B | 421.3B | 440.3B | 465.7B | 460.7B | -- |
| Net Debt | 350.6B | 320.1B | 293.6B | 289.6B | 317.6B | 277.6B | -- |
| Share Issued | 1.7B | 1.7B | 1.7B | 1.7B | 1.8B | 1.8B | -- |
| Ordinary Shares Number | 1.7B | 1.7B | 1.7B | 1.7B | 1.8B | 1.8B | -- |
| Available For Sale Securities | 248.9B | 361.3B | 258.1B | 265.2B | 265.5B | 345.0B | -- |
| Buildings And Improvements | -- | 6.2B | -- | -- | -- | 5.9B | -- |
| Capital Lease Obligations | 5.2B | 5.4B | 5.1B | 5.0B | 5.2B | 5.0B | -- |
| Cash Cash Equivalents And Federal Funds Sold | 342.9B | 364.0B | 350.8B | 362.2B | 365.1B | 386.2B | -- |
| Commercial Paper | 158.8B | 144.3B | 138.3B | 143.3B | 160.8B | 161.5B | -- |
| Current Notes Payable | 28.4B | 24.9B | 26.2B | 22.9B | 19.5B | 20.8B | -- |
| Defined Pension Benefit | 1.0B | 1.1B | 1.1B | 1.0B | 1.0B | 1.0B | -- |
| Derivative Product Liabilities | 83.5B | 79.4B | 72.0B | 83.5B | 75.0B | 68.4B | -- |
| Employee Benefits | 1.4B | 1.4B | 1.4B | 1.4B | 1.4B | 1.4B | -- |
| Income Tax Payable | 283.0M | 296.0M | 650.0M | 348.0M | 113.0M | 67.0M | -- |
| Land And Improvements | -- | 1.5B | -- | -- | -- | 1.6B | -- |
| Leases | -- | 3.8B | -- | -- | -- | 3.8B | -- |
| Long Term Provisions | 1.7B | 1.7B | 1.7B | 1.4B | 1.4B | 3.7B | -- |
| Machinery Furniture Equipment | -- | 2.4B | -- | -- | -- | 2.5B | -- |
| Non Current Deferred Liabilities | 280.0M | 303.0M | 261.0M | 303.0M | 358.0M | 300.0M | -- |
| Non Current Deferred Taxes Liabilities | 280.0M | 303.0M | 261.0M | 303.0M | 358.0M | 300.0M | -- |
| Other Current Borrowings | 57.5B | 42.6B | 43.8B | 54.4B | 60.0B | 69.0B | -- |
| Other Receivables | 41.0B | 31.2B | 23.6B | 35.4B | 31.8B | 26.2B | -- |
| Preferred Shares Number | 48.0M | 48.0M | 56.0M | 70.0M | 70.0M | 90.0M | -- |
| Preferred Stock | 11.6B | 11.6B | 10.8B | 11.1B | 11.1B | 10.9B | -- |
| Preferred Stock Equity | 11.6B | 11.6B | 10.8B | 11.1B | 11.1B | 10.9B | -- |
| Total Tax Payable | 283.0M | 296.0M | 650.0M | 348.0M | 113.0M | 67.0M | -- |
| Trading Securities | 205.8B | 170.5B | 178.6B | 169.3B | 174.7B | 129.5B | -- |
| Treasury Shares Number | 41,000 | -- | 909,000 | 313,000 | 500,000 | 200,000 | 400,000 |
| 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 | 12.6B | -9.4B | -21.7B | 11.7B | -50.3B | 79.7B | -- |
| Cash Flow From Continuing Operating Activities | 12.6B | -9.4B | -21.7B | 11.7B | -50.3B | 79.7B | -- |
| Depreciation And Amortization | 546.0M | 572.0M | 528.0M | 534.0M | 532.0M | 544.0M | -- |
| Depreciation Amortization Depletion | 546.0M | 572.0M | 528.0M | 534.0M | 532.0M | 544.0M | -- |
| Deferred Tax | 426.0M | 203.0M | -440.0M | -457.0M | -70.0M | -89.0M | -- |
| Deferred Income Tax | 426.0M | 203.0M | -440.0M | -457.0M | -70.0M | -89.0M | -- |
| Change In Working Capital | 6.5B | -14.8B | -26.5B | 8.1B | -55.4B | 75.4B | -- |
| Change In Other Working Capital | 10.7B | 19.9B | -25.2B | -24.3B | 5.6B | 64.6B | -- |
| Capital Expenditure | -531.0M | -637.0M | -575.0M | -436.0M | -497.0M | -713.0M | -- |
| Purchase Of PPE | -531.0M | -637.0M | -575.0M | -436.0M | -497.0M | -713.0M | -- |
| Net PPE Purchase And Sale | -531.0M | -637.0M | -575.0M | -436.0M | -497.0M | -713.0M | -- |
| Sale Of Business | -- | 24.0M | 133.0M | 20.6B | 0.00 | -- | 0.00 |
| Purchase Of Investment | -24.1B | -20.9B | -37.6B | -44.0B | -28.1B | -23.6B | -- |
| Sale Of Investment | 20.6B | 28.6B | 39.5B | 29.0B | 39.5B | 18.0B | -- |
| Net Investment Purchase And Sale | -3.5B | 7.8B | 1.9B | -15.1B | 11.4B | -5.6B | -- |
| Investing Cash Flow | -11.0B | 14.9B | 26.1B | -4.8B | 49.9B | -80.1B | -- |
| Cash Flow From Continuing Investing Activities | -11.0B | 14.9B | 26.1B | -4.8B | 49.9B | -80.1B | -- |
| Issuance Of Debt | 0.00 | 127.0M | 27.0M | 17.0M | 2.1B | 1.6B | -- |
| Repayment Of Debt | -169.0M | -657.0M | -698.0M | -3.3B | -236.0M | -191.0M | -- |
| Net Issuance Payments Of Debt | -169.0M | -530.0M | -671.0M | -3.2B | 1.9B | 1.4B | -- |
| Issuance Of Capital Stock | 3.6B | 4.7B | 3.3B | 3.2B | 5.3B | 3.5B | -- |
| Repurchase Of Capital Stock | -5.9B | -5.8B | -5.2B | -5.7B | -5.1B | -3.4B | -- |
| Net Common Stock Issuance | -2.4B | -1.9B | -1.5B | -2.5B | -44.0M | 45.0M | -- |
| Common Stock Payments | -5.9B | -5.6B | -4.9B | -5.7B | -4.6B | -3.4B | -- |
| Financing Cash Flow | -2.7B | -3.6B | -4.4B | -7.8B | 288.0M | -416.0M | -- |
| Cash Flow From Continuing Financing Activities | -2.7B | -3.6B | -4.4B | -7.8B | 288.0M | -416.0M | -- |
| Effect Of Exchange Rate Changes | -183.0M | 52.0M | 18.0M | -221.0M | 185.0M | 39.0M | -- |
| Changes In Cash | -1.0B | 1.9B | -2.0M | -830.0M | -70.0M | -847.0M | -- |
| Beginning Cash Position | 7.5B | 5.5B | 5.5B | 6.6B | 6.4B | 7.2B | -- |
| End Cash Position | 6.3B | 7.5B | 5.5B | 5.5B | 6.6B | 6.4B | -- |
| Free Cash Flow | 12.1B | -10.1B | -22.3B | 11.3B | -50.8B | 79.0B | -- |
| Income Tax Paid Supplemental Data | 1.5B | 464.0M | 1.1B | 1.5B | 1.3B | 773.0M | -- |
| Interest Paid Supplemental Data | 12.0B | 12.8B | 13.2B | 14.0B | 15.5B | 15.5B | -- |
| Amortization Cash Flow | 208.0M | 198.0M | 201.0M | 194.0M | 187.0M | 176.0M | -- |
| Amortization Of Intangibles | 208.0M | 198.0M | 201.0M | 194.0M | 187.0M | 176.0M | -- |
| Cash Dividends Paid | -141.0M | -2.0B | -1.9B | -2.0B | -1.8B | -1.8B | -- |
| Common Stock Issuance | 3.6B | 3.7B | 3.3B | 3.2B | 4.6B | 3.5B | -- |
| Depreciation | 338.0M | 374.0M | 327.0M | 340.0M | 345.0M | 368.0M | -- |
| Earnings Losses From Equity Investments | 0.00 | 0.00 | 0.00 | -74.0M | -231.0M | -178.0M | -- |
| Gain Loss On Investment Securities | -3.0M | 377.0M | 372.0M | 282.0M | 920.0M | 305.0M | -- |
| Gain Loss On Sale Of Business | -- | 0.00 | 0.00 | -9.2B | -- | -- | 0.00 |
| Long Term Debt Issuance | 0.00 | 127.0M | 27.0M | 17.0M | 2.1B | 1.6B | -- |
| Long Term Debt Payments | -169.0M | -657.0M | -698.0M | -3.3B | -236.0M | -191.0M | -- |
| Net Business Purchase And Sale | -- | 24.0M | 133.0M | 20.6B | 0.00 | 3.4B | -- |
| Net Income From Continuing Operations | 4.0B | 3.3B | 3.3B | 11.1B | 2.8B | 3.6B | -- |
| Net Long Term Debt Issuance | -169.0M | -530.0M | -671.0M | -3.2B | 1.9B | 1.4B | -- |
| Net Preferred Stock Issuance | 0.00 | 832.0M | -350.0M | 0.00 | 248.0M | 0.00 | -- |
| Operating Gains Losses | -3.0M | 378.0M | 371.0M | -8.9B | 689.0M | -895.0M | -- |
| Preferred Stock Issuance | 0.00 | 1.0B | 0.00 | 0.00 | 748.0M | 0.00 | -- |
| Preferred Stock Payments | 0.00 | -200.0M | -350.0M | 0.00 | -500.0M | 0.00 | -- |