7Baggers
Quarterly
Annual
    Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2019-03-31 2018-12-31 2018-09-30 2018-06-30 2018-03-31 2017-12-31 2017-09-30 2017-06-30 2017-03-31 2016-12-31 2016-09-30 2016-06-30 2016-03-31 2015-12-31 2015-09-30 2015-06-30 2015-03-31 2014-12-31 2014-09-30 2014-06-30 
      
    		                                              
      interest income:
    		                                              
      interest and fees on loans
    		5,510,000,000 5,328,000,000 5,312,000,000 5,480,000,000 5,522,000,000 5,301,000,000 5,293,000,000 5,323,000,000 5,151,000,000 4,812,000,000 4,616,000,000 4,576,000,000 4,258,000,000 4,039,000,000 4,008,000,000 4,042,000,000 3,887,000,000 3,567,000,000 3,732,000,000 3,981,000,000 3,821,000,000 3,808,000,000 4,340,000,000 4,492,000,000 4,890,000,000 4,636,000,000 4,687,000,000 4,774,000,000 4,617,000,000 4,081,000,000 4,172,000,000 4,233,000,000 4,182,000,000 3,927,000,000 3,877,000,000 3,919,000,000 3,771,000,000 3,494,000,000 3,498,000,000 3,494,000,000 3,379,000,000 3,166,000,000 3,140,000,000 3,252,000,000 3,116,000,000 2,920,000,000 
      interest on cash and debt securities
    		221,000,000 258,000,000 238,000,000 230,000,000 263,000,000 281,000,000 275,000,000 226,000,000 203,000,000 209,000,000 170,000,000 132,000,000 84,000,000 35,000,000 14,000,000 11,000,000 11,000,000 11,000,000 10,000,000 12,000,000 16,000,000 22,000,000 67,000,000 93,000,000 91,000,000 102,000,000                     
      total interest income
    		5,731,000,000 5,586,000,000 5,550,000,000 5,710,000,000 5,785,000,000 5,582,000,000 5,568,000,000 5,549,000,000 5,354,000,000 5,021,000,000 4,786,000,000 4,708,000,000 4,342,000,000 4,074,000,000 4,022,000,000 4,053,000,000 3,898,000,000 3,578,000,000 3,742,000,000 3,993,000,000 3,837,000,000 3,830,000,000 4,407,000,000 4,585,000,000 4,981,000,000 4,738,000,000 4,786,000,000 4,876,000,000 4,694,000,000 4,174,000,000 4,244,000,000 4,291,000,000 4,233,000,000 3,970,000,000 3,913,000,000 3,947,000,000 3,796,000,000 3,515,000,000 3,520,000,000 3,509,000,000 3,392,000,000 3,177,000,000 3,150,000,000 3,260,000,000 3,123,000,000 2,926,000,000 
      interest expense:
    		                                              
      interest on deposits
    		812,000,000 855,000,000 882,000,000 917,000,000 968,000,000 967,000,000 954,000,000 878,000,000 800,000,000 717,000,000 557,000,000 441,000,000 280,000,000 160,000,000 127,000,000 119,000,000 131,000,000 146,000,000 170,000,000 200,000,000 245,000,000 293,000,000 356,000,000 383,000,000 411,000,000 397,000,000 375,000,000 350,000,000 314,000,000 273,000,000 249,000,000 233,000,000 219,000,000 202,000,000 194,000,000 188,000,000 188,000,000 179,000,000 172,000,000 165,000,000 159,000,000 146,000,000 137,000,000 139,000,000 126,000,000 109,000,000 
      interest on borrowings of consolidated securitization entities
    		105,000,000 104,000,000 104,000,000 104,000,000 108,000,000 110,000,000 105,000,000 99,000,000 86,000,000 78,000,000 77,000,000 69,000,000 54,000,000 40,000,000 33,000,000 33,000,000 41,000,000 44,000,000 51,000,000 52,000,000 53,000,000 59,000,000 73,000,000 80,000,000 88,000,000 90,000,000 100,000,000 104,000,000 86,000,000 80,000,000 74,000,000 70,000,000 65,000,000 63,000,000 65,000,000 64,000,000 63,000,000 59,000,000 58,000,000 56,000,000 54,000,000 53,000,000 52,000,000 57,000,000 57,000,000 54,000,000 
      interest on senior and subordinated unsecured notes
    		94,000,000 106,000,000 100,000,000 97,000,000 100,000,000 100,000,000 104,000,000 106,000,000 106,000,000 106,000,000 101,000,000                                    
      total interest expense
    		1,011,000,000 1,065,000,000 1,086,000,000 1,118,000,000 1,176,000,000 1,177,000,000 1,163,000,000 1,083,000,000 992,000,000 901,000,000 735,000,000 602,000,000 414,000,000 272,000,000 233,000,000 223,000,000 240,000,000 266,000,000 303,000,000 334,000,000 380,000,000 434,000,000 517,000,000 556,000,000 592,000,000 583,000,000 560,000,000 543,000,000 488,000,000 437,000,000 402,000,000 375,000,000 357,000,000 333,000,000 326,000,000 319,000,000 315,000,000 303,000,000 311,000,000 301,000,000 289,000,000 270,000,000 275,000,000 282,000,000 244,000,000 206,000,000 
      net interest income
    		4,720,000,000 4,521,000,000 4,464,000,000 4,592,000,000 4,609,000,000 4,405,000,000 4,405,000,000 4,466,000,000 4,362,000,000 4,120,000,000 4,051,000,000 4,106,000,000 3,928,000,000 3,802,000,000 3,789,000,000 3,830,000,000 3,658,000,000 3,312,000,000 3,439,000,000 3,659,000,000 3,457,000,000 3,396,000,000 3,890,000,000 4,029,000,000 4,389,000,000 4,155,000,000 4,226,000,000 4,333,000,000 4,206,000,000 3,737,000,000 3,842,000,000 3,916,000,000 3,876,000,000 3,637,000,000 3,587,000,000 3,628,000,000 3,481,000,000 3,212,000,000 3,209,000,000 3,208,000,000 3,103,000,000 2,907,000,000 2,875,000,000 2,978,000,000 2,879,000,000 2,720,000,000 
      retailer share arrangements
    		-1,024,000,000 -992,000,000 -895,000,000 -919,000,000 -914,000,000 -810,000,000 -764,000,000 -878,000,000 -979,000,000 -887,000,000 -917,000,000 -1,043,000,000 -1,057,000,000 -1,127,000,000 -1,104,000,000 -1,267,000,000 -1,266,000,000 -1,006,000,000 -989,000,000 -1,047,000,000 -899,000,000 -773,000,000 -926,000,000 -1,029,000,000 -1,016,000,000 -859,000,000 -954,000,000 -855,000,000 -871,000,000 -653,000,000 -720,000,000 -779,000,000 -805,000,000 -669,000,000 -684,000,000 -811,000,000 -757,000,000 -664,000,000 -670,000,000 -734,000,000 -723,000,000 -621,000,000 -660,000,000    
      benefit from credit losses
    		1,146,000,000 1,146,000,000 1,491,000,000 1,561,000,000 1,597,000,000 1,691,000,000 1,884,000,000 1,804,000,000 1,488,000,000 1,383,000,000 1,290,000,000 1,201,000,000 929,000,000 724,000,000 521,000,000 561,000,000 25,000,000 -194,000,000 334,000,000 750,000,000 1,210,000,000 1,673,000,000 1,677,000,000                        
      net interest income, after retailer share arrangements and benefit from credit losses
    		2,550,000,000 2,383,000,000 2,078,000,000 2,112,000,000 2,098,000,000 1,904,000,000 1,757,000,000 1,784,000,000 1,895,000,000 1,850,000,000 1,844,000,000 1,862,000,000 1,942,000,000 1,951,000,000 2,164,000,000 2,002,000,000 2,367,000,000 2,500,000,000 2,116,000,000 1,862,000,000 1,348,000,000 950,000,000 1,287,000,000                        
      other income:
    		                                              
      interchange revenue
    		272,000,000 268,000,000 238,000,000 266,000,000 256,000,000 263,000,000 241,000,000 270,000,000 267,000,000 262,000,000 232,000,000 251,000,000 238,000,000 263,000,000 230,000,000 254,000,000 232,000,000 223,000,000 171,000,000 185,000,000 172,000,000 134,000,000 161,000,000 192,000,000 197,000,000 194,000,000 165,000,000 193,000,000 182,000,000 177,000,000 158,000,000 179,000,000 164,000,000 165,000,000 145,000,000 167,000,000 154,000,000 151,000,000 130,000,000 147,000,000 135,000,000 123,000,000 100,000,000 120,000,000 101,000,000 92,000,000 
      protection product revenue
    		149,000,000 144,000,000 147,000,000 151,000,000 145,000,000 125,000,000 141,000,000                                        
      loyalty programs
    		-368,000,000 -360,000,000 -311,000,000 -371,000,000 -346,000,000 -346,000,000 -319,000,000 -369,000,000 -358,000,000 -345,000,000 -298,000,000 -351,000,000 -326,000,000 -322,000,000 -258,000,000 -310,000,000 -256,000,000 -247,000,000 -179,000,000 -202,000,000 -155,000,000 -134,000,000 -158,000,000 -181,000,000 -203,000,000 -192,000,000 -167,000,000 -208,000,000 -196,000,000 -192,000,000 -155,000,000 -193,000,000 -168,000,000 -206,000,000 -137,000,000 -157,000,000 -145,000,000 -135,000,000 -110,000,000 -125,000,000 -122,000,000 -94,000,000 -78,000,000    
      other
    		74,000,000 66,000,000 75,000,000 82,000,000 64,000,000 75,000,000 1,094,000,000 31,000,000 52,000,000 19,000,000 16,000,000 28,000,000 29,000,000 164,000,000 47,000,000 144,000,000 48,000,000 47,000,000 70,000,000 27,000,000 46,000,000 26,000,000 25,000,000 29,000,000 27,000,000 19,000,000 26,000,000 9,000,000 12,000,000 12,000,000 6,000,000 7,000,000 13,000,000 30,000,000 17,000,000 7,000,000 8,000,000 4,000,000 8,000,000 3,000,000 10,000,000 30,000,000 14,000,000 66,000,000 11,000,000 13,000,000 
      total other income
    		127,000,000 118,000,000 149,000,000 128,000,000 119,000,000 117,000,000 1,157,000,000 71,000,000 92,000,000 61,000,000 65,000,000 30,000,000 44,000,000 198,000,000 108,000,000 167,000,000 94,000,000 89,000,000 131,000,000 82,000,000 131,000,000 95,000,000 97,000,000 104,000,000 85,000,000 90,000,000 92,000,000 64,000,000 63,000,000 63,000,000 75,000,000 62,000,000 76,000,000 57,000,000 93,000,000 85,000,000 84,000,000 83,000,000 92,000,000 87,000,000 84,000,000 120,000,000 101,000,000 162,000,000 96,000,000 112,000,000 
      employee costs
    		503,000,000 509,000,000 506,000,000 478,000,000 464,000,000 434,000,000 496,000,000 538,000,000 444,000,000 451,000,000 451,000,000 459,000,000 416,000,000 404,000,000 402,000,000 409,000,000 369,000,000 359,000,000 364,000,000 347,000,000 382,000,000 327,000,000 324,000,000 385,000,000 359,000,000 358,000,000 353,000,000 353,000,000 365,000,000 351,000,000 358,000,000 333,000,000 335,000,000 321,000,000 325,000,000 315,000,000 311,000,000 301,000,000 280,000,000 285,000,000 268,000,000 250,000,000 239,000,000 227,000,000 239,000,000 207,000,000 
      professional fees
    		240,000,000 236,000,000 217,000,000 249,000,000 231,000,000 236,000,000 220,000,000 228,000,000 219,000,000 209,000,000 186,000,000 233,000,000 204,000,000 185,000,000 210,000,000 207,000,000 196,000,000 189,000,000 190,000,000 186,000,000 187,000,000 189,000,000 197,000,000 199,000,000 205,000,000 231,000,000 232,000,000 231,000,000 232,000,000 177,000,000 166,000,000 159,000,000 161,000,000 158,000,000 151,000,000 164,000,000 174,000,000 154,000,000 146,000,000 165,000,000 162,000,000 156,000,000 162,000,000 152,000,000 159,000,000 155,000,000 
      marketing and business development
    		120,000,000 127,000,000 116,000,000 147,000,000 123,000,000 129,000,000 125,000,000 138,000,000 125,000,000 133,000,000 131,000,000 121,000,000 115,000,000 135,000,000 116,000,000 167,000,000 110,000,000 114,000,000 95,000,000 139,000,000 107,000,000 91,000,000 111,000,000 152,000,000 139,000,000 135,000,000 123,000,000 166,000,000 131,000,000 110,000,000 121,000,000 156,000,000 124,000,000 124,000,000 94,000,000 130,000,000 92,000,000 107,000,000 94,000,000 128,000,000 115,000,000 108,000,000 82,000,000 165,000,000 115,000,000 97,000,000 
      information processing
    		226,000,000 215,000,000 219,000,000 207,000,000 203,000,000 207,000,000 186,000,000 190,000,000 177,000,000 179,000,000 166,000,000 165,000,000 150,000,000 163,000,000 145,000,000 143,000,000 139,000,000 137,000,000 131,000,000 128,000,000 125,000,000 116,000,000 123,000,000 122,000,000 127,000,000 123,000,000 113,000,000 118,000,000 105,000,000 99,000,000 104,000,000 99,000,000 96,000,000 88,000,000 90,000,000 88,000,000 87,000,000 81,000,000 82,000,000 83,000,000 77,000,000 74,000,000 63,000,000 60,000,000 47,000,000 53,000,000 
      earnings before benefit from income taxes
    		1,429,000,000 1,256,000,000 984,000,000 973,000,000 1,028,000,000 844,000,000 1,708,000,000 539,000,000 833,000,000 742,000,000 790,000,000 741,000,000 922,000,000 1,066,000,000 1,233,000,000 1,047,000,000 1,500,000,000 1,641,000,000 1,315,000,000 944,000,000 412,000,000 59,000,000 382,000,000 921,000,000 1,375,000,000 1,129,000,000 1,462,000,000 1,012,000,000 893,000,000 892,000,000 847,000,000 875,000,000 879,000,000 788,000,000 782,000,000 908,000,000 963,000,000 771,000,000 928,000,000 868,000,000 919,000,000 861,000,000 883,000,000 853,000,000 879,000,000 764,000,000 
      benefit from income taxes
    		352,000,000 289,000,000 227,000,000 199,000,000 239,000,000 201,000,000 415,000,000 99,000,000 205,000,000 173,000,000 189,000,000 164,000,000 219,000,000 262,000,000 301,000,000 234,000,000 359,000,000 399,000,000 290,000,000 206,000,000 99,000,000 11,000,000 96,000,000 190,000,000 319,000,000 276,000,000 355,000,000 229,000,000 222,000,000 196,000,000 207,000,000 490,000,000 324,000,000 292,000,000 283,000,000 332,000,000 359,000,000 282,000,000 346,000,000 321,000,000 345,000,000 320,000,000 331,000,000 322,000,000 331,000,000 292,000,000 
      net earnings
    		1,077,000,000 967,000,000 757,000,000 774,000,000 789,000,000 643,000,000 1,293,000,000 440,000,000 628,000,000 569,000,000 601,000,000 577,000,000 703,000,000 804,000,000 932,000,000 813,000,000 1,141,000,000 1,242,000,000 1,025,000,000 738,000,000 313,000,000 48,000,000 286,000,000 731,000,000 1,056,000,000 853,000,000 1,107,000,000 783,000,000 671,000,000 696,000,000 640,000,000 385,000,000 555,000,000 496,000,000 499,000,000 576,000,000 604,000,000 489,000,000 582,000,000 547,000,000 574,000,000 541,000,000 552,000,000 531,000,000 548,000,000 472,000,000 
      net earnings available to common stockholders
    		1,057,000,000 946,000,000 736,000,000 753,000,000 768,000,000 624,000,000 1,282,000,000 429,000,000 618,000,000 559,000,000 590,000,000 567,000,000 692,000,000 793,000,000 922,000,000 803,000,000 1,130,000,000 1,232,000,000 1,014,000,000 728,000,000 303,000,000 37,000,000 275,000,000                        
      earnings per share
    		                                              
      basic
    		2.89 2.51 1.91 1.93 1.96 1.56 3.17 1.05 1.49 1.32 1.36 1.3 1.48 1.61 1.79 1.51 2.02 2.13 1.74 1.24 0.52 0.06 0.45 1.17 1.6 1.25 1.57 1.08 0.91 0.93 0.84 0.5 0.7 0.62 0.61 0.7 0.73 0.59 0.7 0.66 0.69 0.65 0.66 0.62 0.7 0.67 
      diluted
    		2.86 2.5 1.89 1.9 1.94 1.55 3.14 1.05 1.48 1.32 1.35 1.29 1.47 1.6 1.77 1.5 2 2.12 1.73 1.23 0.52 0.06 0.45 1.16 1.6 1.24 1.56 1.08 0.91 0.92 0.83 0.49 0.7 0.61 0.61 0.7 0.73 0.58 0.7 0.65 0.69 0.65 0.66 0.62 0.7 0.67 
      debt cancellation fees
    		       92,750,000 131,000,000 125,000,000 115,000,000 102,000,000 103,000,000 93,000,000 89,000,000 79,000,000 70,000,000 66,000,000 69,000,000 72,000,000 68,000,000 69,000,000 69,000,000 64,000,000 64,000,000 69,000,000 68,000,000 70,000,000 65,000,000 66,000,000 66,000,000 69,000,000 67,000,000 68,000,000 68,000,000 68,000,000 67,000,000 63,000,000 64,000,000 62,000,000 61,000,000 61,000,000 65,000,000 67,000,000 68,000,000 70,000,000 
      interest on senior unsecured notes
    		           92,000,000 80,000,000 72,000,000 73,000,000 71,000,000 68,000,000 76,000,000 82,000,000 82,000,000 82,000,000 82,000,000 88,000,000 93,000,000 93,000,000 96,000,000                     
      benefit from loan losses
    		                       1,104,000,000 1,019,000,000 1,198,000,000 859,000,000 1,452,000,000 1,451,000,000 1,280,000,000 1,362,000,000 1,354,000,000 1,310,000,000 1,326,000,000 1,306,000,000 1,076,000,000 986,000,000 1,021,000,000 903,000,000 823,000,000 702,000,000 740,000,000 687,000,000 797,000,000 675,000,000 681,000,000 
      net interest income, after retailer share arrangements and benefit from loan losses
    		                       1,896,000,000 2,354,000,000 2,098,000,000 2,413,000,000 2,026,000,000 1,884,000,000 1,804,000,000 1,760,000,000 1,783,000,000 1,761,000,000 1,642,000,000 1,597,000,000 1,741,000,000 1,738,000,000 1,527,000,000 1,636,000,000 1,651,000,000 1,678,000,000 1,546,000,000 1,528,000,000 1,483,000,000 1,511,000,000 1,449,000,000 
      interest on debt securities
    		                          99,000,000 60,500,000 77,000,000 93,000,000 72,000,000                
      interest on third-party debt
    		                          85,000,000 89,000,000 88,000,000 84,000,000 79,000,000 72,000,000 73,000,000 68,000,000 67,000,000 67,000,000 64,000,000 65,000,000 81,000,000 80,000,000 76,000,000 71,000,000 82,000,000    
      net interest income, after retailer share arrangements
    		                          3,272,000,000 3,478,000,000 3,335,000,000 3,084,000,000 3,122,000,000 3,137,000,000 3,071,000,000 2,968,000,000 2,903,000,000 2,817,000,000 2,724,000,000 2,548,000,000 2,539,000,000 2,474,000,000 2,380,000,000 2,286,000,000 2,215,000,000 2,280,000,000 2,186,000,000 2,130,000,000 
      dividends declared per common share
    		                           0.128 0.21 0.15 0.15 0.15 0.15 0.13 0.13 0.13 0.13          
      interest on investment securities
    		                               58,000,000 51,000,000 43,000,000 36,000,000 28,000,000 25,000,000 21,000,000 22,000,000 15,000,000 13,000,000 11,000,000 10,000,000 8,000,000 7,000,000 6,000,000 
      interest on related party debt
    		                                          4,000,000 8,000,000 15,000,000 43,000,000 
      interest on third party debt
    		                                           11,500,000 46,000,000  
      weighted-average shares outstanding
    		                                              
      basic
    		                                             705,271,000,000 
      diluted
    		                                             705,271,000,000 
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.