| (in millions of USD, except per-share data) | Q1 FY 26 | Q4 FY 25 | Q3 FY 25 | Q2 FY 25 | Q1 FY 25 | Q4 FY 24 | Q3 FY 24 | Q2 FY 24 | Q1 FY 24 | Q4 FY 23 | Q3 FY 23 | Q2 FY 23 | Q1 FY 23 | Q4 FY 22 | Q3 FY 22 | Q2 FY 22 | Q1 FY 22 | Q4 FY 21 | Q3 FY 21 | Q2 FY 21 | Q1 FY 21 | Q4 FY 20 | Q3 FY 20 | Q2 FY 20 | Q1 FY 20 | Q4 FY 19 | Q3 FY 19 | Q2 FY 19 | Q1 FY 19 | Q4 FY 18 | Q3 FY 18 | Q2 FY 18 | Q1 FY 18 | Q4 FY 17 | Q3 FY 17 | Q2 FY 17 | Q1 FY 17 | Q4 FY 16 | Q3 FY 16 | Q2 FY 16 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | ||||||||||||||||||||||||||||||||||||||||
| Revenues | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| (in millions of USD, except per-share data) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 | FY2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | ||||||||||||||||||
| Revenues | - | - | - | - | - | - | 40.2 | 46.7 | 43.2 | 56.0 | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
| Operating Expenses | ||||||||||||||||||
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||
| Operating Income | ||||||||||||||||||
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||
| Non-Operating | ||||||||||||||||||
| Interest Income | 1,381.0 | 1,359.6 | 1,327.8 | 1,367.4 | 885.4 | 780.9 | 543.3 | 463.7 | 418.0 | 372.9 | 322.5 | 249.9 | 190.4 | 128.2 | 93.8 | |||
| Tax & Net | ||||||||||||||||||
| Income Tax Expense | 86.0 | 64.3 | 42.9 | 80.6 | 63.3 | 86.9 | 46.7 | 26.4 | 19.4 | 45.0 | 45.9 | 29.9 | 21.0 | 17.6 | 12.3 | |||
| Per Share | ||||||||||||||||||
| EPS Basic | 7.90 | 6.46 | 5.28 | 7.49 | 6.69 | 9.29 | 3.76 | 2.08 | 1.81 | 2.10 | 2.51 | 2.09 | 1.62 | 1.34 | 1.61 | 0.40 | ||
| Supplementary Data | ||||||||||||||||||
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
| - |
| - |
| - |
| - |
| - |
| 8.6 |
| 8.9 |
| 11.2 |
| 11.6 |
| 11.3 |
| 11.8 |
| 11.2 |
| 12.3 |
| 10.9 |
| 10.3 |
| 9.1 |
| 12.9 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | ||||||||||||||||||||||||||||||||||||||||
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Selling General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| Selling & Marketing | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Depreciation & Amortization | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Amortization of Intangibles | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| Operating Income | ||||||||||||||||||||||||||||||||||||||||
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Non-Operating | ||||||||||||||||||||||||||||||||||||||||
| Interest Income | 336.3 | 355.2 | 361.5 | 328.0 | 314.9 | 329.9 | 332.1 | 334.0 | 331.8 | 345.9 | 376.3 | 330.2 | 314.9 | 269.6 | 235.9 | 196.3 | 183.5 | 214.0 | 242.9 | 162.9 | 161.1 | 153.1 | 139.7 | 125.2 | 125.3 | 124.0 | 126.7 | 112.0 | 101.1 | 103.3 | 110.0 | 107.6 | 97.0 | 97.6 | 98.3 | 93.9 | 83.1 | 83.6 | 84.2 | 81.3 |
| Interest Expense | - | - | - | - | - | - | - | 166.4 | 171.4 | 173.4 | 176.6 | 164.9 | 165.0 | 134.5 | 76.9 | 31.5 | 18.8 | 20.3 | ||||||||||||||||||||||
| Income From Equity Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Other Non-Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Pre-Tax Income | 90.3 | 97.3 | 100.3 | 78.9 | 11.9 | 35.9 | 46.0 | 77.1 | 65.4 | 83.9 | 110.2 | 68.3 | 68.3 | 35.8 | 81.8 | 77.5 | 96.1 | |||||||||||||||||||||||
| Tax & Net | ||||||||||||||||||||||||||||||||||||||||
| Income Tax Expense | 20.7 | 22.8 | 24.6 | 18.0 | (1.0) | 8.9 | (0.7) | 19.0 | 15.7 | 21.8 | 23.5 | 20.8 | 14.6 | 7.1 | 17.9 | 18.9 | 19.3 | 13.0 | 36.3 | 20.1 | 17.6 | 23.4 | 12.0 | 8.0 | 3.3 | 11.1 | 8.0 | 2.5 | 4.8 | 5.1 | 0.0 | 6.8 | 7.4 | 10.8 | 14.9 | 12.3 | 7.0 | 7.2 | 14.6 | 14.4 |
| Net Income From Continuing Ops | 69.7 | 74.5 | 75.7 | 60.9 | 12.9 | 26.9 | 46.7 | 58.1 | 49.7 | 62.1 | 86.8 | 47.6 | 53.7 | 28.7 | 63.9 | 58.7 | 76.8 | |||||||||||||||||||||||
| Net Income From Discontinued Ops | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Net Income | 69.7 | 74.5 | 75.7 | 60.9 | 12.9 | 26.9 | 46.7 | 58.1 | 49.7 | 62.1 | 86.8 | 47.6 | 53.7 | 28.7 | 63.9 | 58.7 | 76.8 | |||||||||||||||||||||||
| Net Income Attributable To Parent | 69.7 | 74.5 | 75.7 | 60.9 | 12.9 | 26.9 | 46.7 | 58.1 | 49.7 | 62.1 | 86.8 | 47.6 | 53.7 | 28.7 | 63.9 | 58.7 | ||||||||||||||||||||||||
| Less: Minority Interest | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||
| Less: Preferred Dividends | 0.0 | 1.6 | 2.0 | 3.2 | 3.4 | 3.6 | 3.8 | 3.8 | 3.8 | 3.9 | 3.8 | 3.6 | 3.5 | 3.1 | 2.5 | 2.1 | 1.9 | |||||||||||||||||||||||
| Net Income To Common Shareholders | 69.7 | 70.1 | 73.7 | 55.8 | 9.5 | 23.3 | 42.9 | 54.3 | 45.9 | 58.2 | 83.0 | 44.0 | 50.3 | 25.6 | 61.4 | |||||||||||||||||||||||||
| Per Share | ||||||||||||||||||||||||||||||||||||||||
| EPS Basic | 2.04 | - | 2.28 | 1.77 | 0.30 | - | 1.36 | 1.72 | 1.46 | - | 2.65 | 1.41 | 1.58 | - | 1.89 | 1.73 | 2.27 | - | 3.40 | 1.80 | 1.04 | - | 1.49 | 0.61 | (0.02) | - | 0.75 | 0.18 | 0.38 | - | 0.08 | 0.64 | 0.65 | - | 0.13 | 0.66 | 0.73 | - | 0.68 | 0.64 |
| EPS Diluted | 1.97 | - | 2.20 | 1.73 | 0.29 | - | 1.31 | 1.66 | 1.40 | - | 2.58 | 1.39 | 1.55 | - | 1.85 | 1.68 | 2.18 | - | ||||||||||||||||||||||
| Shares Basic | 34.1 | - | 32.3 | 31.6 | 31.4 | - | 31.6 | 31.6 | 31.5 | - | 31.3 | 31.3 | 31.8 | - | 32.5 | 32.7 | 33.0 | - | ||||||||||||||||||||||
| Shares Diluted | 35.3 | - | 33.5 | 32.4 | 32.5 | - | 32.8 | 32.7 | 32.9 | - | 32.2 | 31.6 | 32.3 | - | 33.2 | 33.6 | 34.3 | - | ||||||||||||||||||||||
| Supplementary Data | ||||||||||||||||||||||||||||||||||||||||
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||
| - |
| - |
| - |
| - |
| Selling General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Selling & Marketing | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Amortization of Intangibles | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| - |
| - |
| - |
| - |
| 61.2 |
| 30.9 |
| 13.5 |
| Interest Expense | - | - | - | 679.9 | 261.7 | 95.8 | 139.6 | 186.4 | 160.1 | 105.5 | 73.0 | 53.6 | 38.5 | 24.3 | 21.8 | 22.5 | 11.5 | 6.3 |
| Income From Equity Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pre-Tax Income | 366.9 | 288.4 | 224.4 | 330.7 | 291.3 | 441.2 | 189.8 | 107.8 | 91.1 | 123.9 | 124.6 | 88.5 | 65.5 | 50.3 | 36.1 | 5.9 | 28.5 | (13.2) |
| 1.8 |
| 4.7 |
| 0.0 |
| Net Income From Continuing Ops | 280.8 | 224.1 | 181.5 | 250.1 | 228.0 | 354.3 | 143.0 | 81.4 | 71.7 | 78.8 | 78.7 | 58.6 | 44.5 | 32.7 | 23.8 | 4.0 | 23.7 | (13.2) |
| Net Income From Discontinued Ops | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Income | 280.8 | 224.1 | 181.5 | 250.1 | 228.0 | 314.6 | 132.6 | 79.3 | 71.7 | 78.8 | 78.7 | 58.6 | 43.2 | 32.7 | 23.8 | 4.0 | 23.7 | (13.2) |
| Net Income Attributable To Parent | 280.8 | 224.1 | 181.5 | 250.1 | 228.0 | 314.6 | 132.6 | 79.3 | 71.7 | 78.8 | 78.7 | 58.6 | 43.2 | 32.7 | 23.8 | 4.0 | 23.7 | (13.2) |
| Less: Minority Interest | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Less: Preferred Dividends | 6.8 | 10.2 | 15.0 | 14.7 | 9.6 | 11.7 | 14.0 | 14.5 | 14.5 | 14.5 | 9.5 | 2.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Net Income To Common Shareholders | 269.3 | 209.2 | 166.4 | 235.4 | 218.4 | 300.1 | 118.5 | 64.9 | 57.2 | 64.4 | 69.2 | 56.1 | 43.2 | 32.7 | 23.8 | 4.0 | 23.7 | (13.2) |
| 3.78 |
| (10.98) |
| EPS Diluted | 7.63 | 6.26 | 5.09 | 7.32 | 6.51 | 8.91 | 3.74 | 2.05 | 1.78 | 1.97 | 2.31 | 1.96 | 1.55 | 1.30 | 1.57 | 0.39 | 3.69 | (10.98) |
| Shares Basic | 34.1 | 32.4 | 31.5 | 31.4 | 32.6 | 32.3 | 31.5 | 31.2 | 31.6 | 30.7 | 27.6 | 26.8 | 26.7 | 24,485.1 | 14,758.0 | 10,071.6 | 6.3 | - |
| Shares Diluted | 35.3 | 33.4 | 32.7 | 32.2 | 33.5 | 33.7 | 31.7 | 31.6 | 32.2 | 32.6 | 30.0 | 28.7 | 27.9 | 25,147.7 | 15,165.8 | 10,284.4 | 6.4 | - |
| - |
| EBIT | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
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| - |
| 23.0 |
| 24.1 |
| 28.4 |
| 30.1 |
| 32.2 |
| 33.2 |
| 44.0 |
| 46.4 |
| 51.0 |
| 47.3 |
| 41.8 |
| 41.8 |
| 46.0 |
| 40.3 |
| 31.9 |
| 29.3 |
| 30.3 |
| 25.2 |
| 20.7 |
| 19.5 |
| 19.6 |
| 18.2 |
| - |
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| - |
| - |
| 115.2 |
| 152.3 |
| 81.5 |
| 92.2 |
| 82.0 |
| 63.1 |
| 33.0 |
| 11.7 |
| 40.6 |
| 35.1 |
| 11.8 |
| 20.3 |
| 23.0 |
| 6.1 |
| 30.5 |
| 31.5 |
| 32.4 |
| 22.7 |
| 36.0 |
| 32.8 |
| 23.6 |
| 35.8 |
| 36.1 |
| 102.3 |
| 116.0 |
| 61.3 |
| 74.6 |
| 58.6 |
| 51.0 |
| 25.0 |
| 8.5 |
| 29.6 |
| 27.1 |
| 9.3 |
| 15.4 |
| 17.9 |
| 6.0 |
| 23.7 |
| 24.1 |
| 15.2 |
| 7.8 |
| 29.0 |
| 26.9 |
| 16.4 |
| 21.2 |
| 21.8 |
| - |
| - |
| - |
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| - |
| - |
| - |
| 100.7 |
| 116.0 |
| 61.3 |
| 36.6 |
| 56.2 |
| 50.5 |
| 22.7 |
| 3.1 |
| 27.5 |
| 27.1 |
| 9.3 |
| 15.4 |
| 17.9 |
| 6.0 |
| 23.7 |
| 24.1 |
| 21.6 |
| 7.8 |
| 23.7 |
| 25.7 |
| 19.8 |
| 21.2 |
| 19.5 |
| 76.8 |
| 100.7 |
| 116.0 |
| 61.3 |
| 36.6 |
| 56.2 |
| 50.5 |
| 22.7 |
| 3.1 |
| 27.5 |
| 27.1 |
| 9.3 |
| 15.4 |
| 17.9 |
| 6.0 |
| 23.7 |
| 24.1 |
| 21.6 |
| 7.8 |
| 23.7 |
| 25.7 |
| 19.8 |
| 21.2 |
| 19.5 |
| - |
| - |
| - |
| - |
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| - |
| - |
| 2.0 |
| 3.0 |
| 3.3 |
| 3.4 |
| 3.4 |
| 3.4 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 3.6 |
| 2.6 |
| 2.1 |
| 56.5 |
| 74.9 |
| 98.6 |
| 110.2 |
| 58.0 |
| 33.2 |
| 52.8 |
| 47.1 |
| 19.1 |
| (0.5) |
| 23.9 |
| 23.5 |
| 5.7 |
| 11.8 |
| 14.2 |
| 2.4 |
| 20.0 |
| 20.5 |
| 18.0 |
| 4.1 |
| 20.1 |
| 22.1 |
| 16.2 |
| 18.7 |
| 17.4 |
| 3.25 |
| 1.72 |
| 1.01 |
| - |
| 1.48 |
| 0.61 |
| (0.02) |
| - |
| 0.74 |
| 0.18 |
| 0.38 |
| - |
| 0.07 |
| 0.62 |
| 0.64 |
| - |
| 0.13 |
| 0.62 |
| 0.67 |
| - |
| 0.63 |
| 0.59 |
| 32.4 |
| 32.3 |
| 31.9 |
| - |
| 31.5 |
| 31.5 |
| 31.4 |
| - |
| 31.2 |
| 31.2 |
| 31.0 |
| - |
| 31.7 |
| 31.6 |
| 31.4 |
| - |
| 30.7 |
| 30.6 |
| 30.4 |
| - |
| 27.4 |
| 27.1 |
| 33.9 |
| 33.7 |
| 32.8 |
| - |
| 31.7 |
| 31.6 |
| 31.4 |
| - |
| 31.6 |
| 31.6 |
| 31.5 |
| - |
| 32.3 |
| 32.4 |
| 32.3 |
| - |
| 32.5 |
| 32.6 |
| 32.8 |
| - |
| 29.7 |
| 29.5 |
| - |
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