| (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 | FY2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | |||||||||||||||||||
| Revenues | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||
| Operating Expenses | |||||||||||||||||||
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||
| Operating Income | |||||||||||||||||||
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||
| Non-Operating | |||||||||||||||||||
| Interest Income | 2,336.0 | 2,326.0 | 2,252.0 | 1,973.0 | 1,285.0 | 1,005.0 | 1,130.0 | 1,247.0 | 1,170.0 | 980.0 | 679.0 | 546.8 | 509.0 | 440.4 | 431.9 | ||||
| Tax & Net | |||||||||||||||||||
| Income Tax Expense | 110.0 | 104.0 | 90.0 | 99.0 | 114.0 | 98.0 | 57.0 | 84.0 | 79.0 | 157.0 | 75.0 | 70.0 | 62.6 | 44.8 | 43.8 | ||||
| Per Share | |||||||||||||||||||
| EPS Basic | 1.63 | 1.57 | 1.27 | 1.32 | 1.23 | 1.24 | 0.86 | 1.17 | 1.13 | 0.63 | 0.79 | 0.87 | 0.81 | 0.81 | 0.79 | 0.70 | |||
| Supplementary Data | |||||||||||||||||||
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | ||||||||||||||||||||||||||||||||||||||||
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Selling General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| Selling & Marketing | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Depreciation & Amortization | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Amortization of Intangibles | - | - | - | - | - | 5.0 | 4.0 | 5.0 | 4.0 | 5.0 | 5.0 | 5.0 | 5.0 | 4.0 | 3.0 | 4.0 | 3.0 | |||||||||||||||||||||||
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| Operating Income | ||||||||||||||||||||||||||||||||||||||||
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Non-Operating | ||||||||||||||||||||||||||||||||||||||||
| Interest Income | 569.0 | 588.0 | 596.0 | 583.0 | 559.0 | 569.0 | 583.0 | 557.0 | 543.0 | 532.0 | 513.0 | 484.0 | 444.0 | 408.0 | 343.0 | 280.0 | 254.0 | 245.0 | 256.0 | 253.0 | 251.0 | 270.0 | 273.0 | 281.0 | 306.0 | 306.0 | 314.0 | 317.0 | 310.0 | 305.0 | 298.0 | 294.0 | 273.0 | 270.8 | 263.5 | 251.0 | 194.7 | 177.2 | 175.1 | 170.9 |
| Interest Expense | - | - | - | - | - | - | - | - | 224.0 | 207.0 | 187.0 | 155.0 | 107.0 | 73.0 | 46.0 | 26.0 | 20.0 | 21.0 | ||||||||||||||||||||||
| Income From Equity Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Other Non-Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Pre-Tax Income | 174.0 | 165.0 | 190.0 | 166.0 | 148.0 | 102.0 | 140.0 | 157.0 | 156.0 | 59.0 | 164.0 | 179.0 | 182.0 | 176.0 | 173.0 | 137.0 | ||||||||||||||||||||||||
| Tax & Net | ||||||||||||||||||||||||||||||||||||||||
| Income Tax Expense | 37.0 | (3.0) | 40.0 | 36.0 | 31.0 | (8.0) | 30.0 | 34.0 | 34.0 | 8.0 | 19.0 | 37.0 | 35.0 | 37.0 | 35.0 | 28.0 | 14.0 | 24.0 | 27.0 | 25.0 | 22.0 | 13.0 | 17.0 | 16.0 | 11.0 | 21.0 | 17.0 | 24.0 | 22.0 | 15.0 | 22.0 | 21.0 | 21.0 | 87.7 | 33.2 | 29.6 | 6.5 | 22.1 | 22.9 | 18.2 |
| Net Income From Continuing Ops | 137.0 | 168.0 | 150.0 | 130.0 | 117.0 | 110.0 | 110.0 | 123.0 | 122.0 | 51.0 | 145.0 | 142.0 | 147.0 | 139.0 | 138.0 | 109.0 | 53.0 | |||||||||||||||||||||||
| Net Income From Discontinued Ops | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Net Income | 137.0 | 168.0 | 150.0 | 130.0 | 117.0 | 110.0 | 110.0 | 123.0 | 122.0 | 51.0 | 145.0 | 142.0 | 147.0 | 139.0 | 138.0 | 109.0 | 53.0 | |||||||||||||||||||||||
| Net Income Attributable To Parent | 137.0 | 168.0 | 150.0 | 130.0 | 117.0 | 110.0 | 110.0 | 123.0 | 122.0 | 51.0 | 145.0 | 142.0 | 147.0 | 139.0 | 138.0 | 109.0 | ||||||||||||||||||||||||
| Less: Minority Interest | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||
| Less: Preferred Dividends | - | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6.0 | 2.0 | 2.0 | 2.0 | 2.0 | 2.0 | 2.0 | 2.0 | 2.0 | |||||||||||||||||||||||
| Net Income To Common Shareholders | 137.0 | 168.0 | 150.0 | 130.0 | 117.0 | 110.0 | 110.0 | 123.0 | 116.0 | 49.0 | 143.0 | 140.0 | 145.0 | 137.0 | 136.0 | |||||||||||||||||||||||||
| Per Share | ||||||||||||||||||||||||||||||||||||||||
| EPS Basic | 0.38 | - | 0.41 | 0.36 | 0.32 | - | 0.30 | 0.34 | 0.32 | - | 0.40 | 0.39 | 0.40 | - | 0.39 | 0.30 | 0.15 | - | 0.34 | 0.31 | 0.28 | - | 0.25 | 0.25 | 0.14 | - | 0.31 | 0.29 | 0.28 | - | 0.30 | 0.26 | 0.26 | - | 0.23 | 0.22 | 0.09 | - | 0.24 | 0.19 |
| EPS Diluted | 0.38 | - | 0.41 | 0.36 | 0.32 | - | 0.30 | 0.34 | 0.32 | - | 0.40 | 0.39 | 0.40 | - | 0.38 | 0.30 | 0.15 | - | ||||||||||||||||||||||
| Shares Basic | 359.5 | - | 360.6 | 361.4 | 361.7 | - | 361.3 | 361.8 | 361.2 | - | 360.8 | 360.1 | 360.9 | - | 350.9 | 351.3 | 344.4 | - | ||||||||||||||||||||||
| Shares Diluted | 360.2 | - | 361.7 | 362.3 | 363.1 | - | 362.4 | 362.7 | 362.6 | - | 361.8 | 362.6 | 364.9 | - | 354.7 | 354.7 | 348.9 | - | ||||||||||||||||||||||
| Supplementary Data | ||||||||||||||||||||||||||||||||||||||||
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| Selling General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Selling & Marketing | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | - | 74.0 | 64.0 | 59.0 | 49.0 | 46.0 | 43.0 | 42.0 | 39.0 | 34.0 | 23.0 | 20.0 | 18.7 | 15.6 | 13.9 | 12.5 | 11.8 | 11.9 | - |
| Amortization of Intangibles | - | 16.0 | 18.0 | 20.0 | 14.0 | 12.0 | 13.0 | 14.0 | 16.0 | 18.0 | 11.0 | 8.3 | 9.7 | 8.4 | 8.9 | 7.0 | 6.7 | 7.1 | 6.4 |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| - |
| - |
| - |
| - |
| - |
| 391.1 |
| 373.7 |
| 388.2 |
| 409.8 |
| Interest Expense | - | - | - | 656.0 | 165.0 | 98.0 | 208.0 | 330.0 | 238.0 | 134.0 | 67.0 | 48.6 | 42.7 | 44.3 | 59.1 | 74.6 | 88.7 | 121.2 | 158.0 |
| Income From Equity Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pre-Tax Income | 695.0 | 669.0 | 555.0 | 584.0 | 553.0 | 503.0 | 343.0 | 471.0 | 452.0 | 356.0 | 246.0 | 229.6 | 206.7 | 162.6 | 154.2 | 119.1 | 102.5 | 50.4 | 42.8 |
| 32.0 |
| 27.9 |
| 9.3 |
| 7.2 |
| Net Income From Continuing Ops | 585.0 | 565.0 | 465.0 | 485.0 | 439.0 | 405.0 | 286.0 | 387.0 | 373.0 | 199.0 | 171.0 | 159.6 | 144.1 | 117.8 | 110.4 | 87.0 | 74.7 | 41.1 | 35.6 |
| Net Income From Discontinued Ops | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Income | 585.0 | 565.0 | 465.0 | 485.0 | 439.0 | 405.0 | 286.0 | 387.0 | 373.0 | 199.0 | 171.0 | 159.6 | 144.1 | 117.8 | 110.4 | 87.0 | 74.7 | 41.1 | 35.6 |
| Net Income Attributable To Parent | 585.0 | 565.0 | 465.0 | 485.0 | 439.0 | 405.0 | 286.0 | 387.0 | 373.0 | 199.0 | 171.0 | 159.6 | 144.1 | 117.8 | 110.4 | 87.0 | 74.7 | 41.1 | 35.6 |
| Less: Minority Interest | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Less: Preferred Dividends | - | 0.0 | 6.0 | 8.0 | 8.0 | 8.0 | 8.0 | 8.0 | 8.0 | 8.0 | 8.0 | 8.0 | 8.4 | - | - | - | - | 8.3 | - |
| Net Income To Common Shareholders | 585.0 | 565.0 | 459.0 | 477.0 | 431.0 | 397.0 | 278.0 | 379.0 | 365.0 | 191.0 | 163.0 | 151.6 | 135.7 | 117.8 | 110.4 | 87.0 | 74.7 | 32.8 | 35.6 |
| 0.66 |
| 0.32 |
| 0.44 |
| EPS Diluted | 1.62 | 1.56 | 1.27 | 1.31 | 1.22 | 1.23 | 0.85 | 1.16 | 1.12 | 0.63 | 0.78 | 0.86 | 0.80 | 0.80 | 0.79 | 0.70 | 0.65 | 0.32 | 0.44 |
| Shares Basic | 359.5 | 360.8 | 361.4 | 360.7 | 350.0 | 319.8 | 323.4 | 324.9 | 324.2 | 302.2 | 206.2 | 175.0 | 167.3 | 146.2 | 139.1 | 124.1 | 113.9 | 102.6 | - |
| Shares Diluted | 360.2 | 362.0 | 362.6 | 362.9 | 354.1 | 323.5 | 325.5 | 326.1 | 325.6 | 303.9 | 207.8 | 176.3 | 169.1 | 147.8 | 140.6 | 125.0 | 114.3 | 102.8 | - |
| - |
| - |
| EBIT | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 3.0 |
| 3.0 |
| 3.0 |
| 3.0 |
| 3.0 |
| 3.0 |
| 4.0 |
| 3.0 |
| 3.0 |
| 4.0 |
| 3.0 |
| 4.0 |
| 4.0 |
| 4.0 |
| 4.0 |
| 4.0 |
| 5.3 |
| 4.8 |
| 4.8 |
| 3.1 |
| 1.4 |
| 3.6 |
| 3.4 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 24.0 |
| 25.0 |
| 28.0 |
| 36.0 |
| 46.0 |
| 52.0 |
| 74.0 |
| 80.0 |
| 84.0 |
| 87.0 |
| 79.0 |
| 74.0 |
| 63.0 |
| 54.0 |
| 47.0 |
| 41.2 |
| 38.3 |
| 32.6 |
| 21.9 |
| 17.4 |
| 17.6 |
| 16.6 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 67.0 |
| 123.0 |
| 138.0 |
| 127.0 |
| 115.0 |
| 85.0 |
| 100.0 |
| 100.0 |
| 58.0 |
| 116.0 |
| 120.0 |
| 119.0 |
| 116.0 |
| 115.0 |
| 123.0 |
| 106.0 |
| 108.0 |
| 111.6 |
| 110.9 |
| 104.0 |
| 29.5 |
| 73.5 |
| 75.1 |
| 59.5 |
| 99.0 |
| 111.0 |
| 102.0 |
| 93.0 |
| 72.0 |
| 83.0 |
| 84.0 |
| 47.0 |
| 95.0 |
| 103.0 |
| 95.0 |
| 94.0 |
| 100.0 |
| 101.0 |
| 85.0 |
| 87.0 |
| 23.9 |
| 77.7 |
| 74.4 |
| 23.0 |
| 51.4 |
| 52.2 |
| 41.3 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 99.0 |
| 111.0 |
| 102.0 |
| 93.0 |
| 72.0 |
| 83.0 |
| 84.0 |
| 47.0 |
| 95.0 |
| 103.0 |
| 95.0 |
| 94.0 |
| 100.0 |
| 101.0 |
| 85.0 |
| 87.0 |
| 23.9 |
| 77.7 |
| 74.4 |
| 23.0 |
| 51.4 |
| 52.2 |
| 41.3 |
| 53.0 |
| 99.0 |
| 111.0 |
| 102.0 |
| 93.0 |
| 72.0 |
| 83.0 |
| 84.0 |
| 47.0 |
| 95.0 |
| 103.0 |
| 95.0 |
| 94.0 |
| 100.0 |
| 101.0 |
| 85.0 |
| 87.0 |
| 23.9 |
| 77.7 |
| 74.4 |
| 23.0 |
| 51.4 |
| 52.2 |
| 41.3 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 2.0 |
| 107.0 |
| 51.0 |
| 97.0 |
| 109.0 |
| 100.0 |
| 91.0 |
| 70.0 |
| 81.0 |
| 82.0 |
| 45.0 |
| 93.0 |
| 101.0 |
| 93.0 |
| 92.0 |
| 98.0 |
| 99.0 |
| 83.0 |
| 85.0 |
| 22.0 |
| 75.7 |
| 72.4 |
| 21.0 |
| 49.4 |
| 50.2 |
| 39.3 |
| 0.34 |
| 0.31 |
| 0.28 |
| - |
| 0.25 |
| 0.25 |
| 0.14 |
| - |
| 0.31 |
| 0.29 |
| 0.28 |
| - |
| 0.30 |
| 0.26 |
| 0.26 |
| - |
| 0.23 |
| 0.22 |
| 0.09 |
| - |
| 0.24 |
| 0.19 |
| 319.5 |
| 319.6 |
| 321.0 |
| - |
| 323.4 |
| 323.3 |
| 324.2 |
| - |
| 325.0 |
| 325.0 |
| 324.6 |
| - |
| 324.4 |
| 324.2 |
| 323.7 |
| - |
| 323.4 |
| 323.3 |
| 237.4 |
| - |
| 210.3 |
| 210.1 |
| 322.9 |
| 323.3 |
| 324.7 |
| - |
| 325.7 |
| 325.2 |
| 326.0 |
| - |
| 326.1 |
| 325.9 |
| 325.8 |
| - |
| 325.7 |
| 325.7 |
| 325.8 |
| - |
| 324.9 |
| 324.9 |
| 239.3 |
| - |
| 211.8 |
| 211.7 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |