Financial Highlights
For the years ended, and at, December 31, 2024
(in millions unless otherwise stated except for per share data and ratios)
Financial Highlights |
2024 |
2023 |
2022 |
Net interest income |
2024: $ 18,011 |
2023: $ 16,999 |
2022: $ 15,625 |
Interest and fees on loans |
2024: $ 21,596 |
2023: $ 19,902 |
2022: $ 16,881 |
Net earnings |
2024: $ 3,499 |
2023: $ 2,238 |
2022: $ 3,016 |
Diluted earnings per share |
2024: $ 8.55 |
2023: $ 5.19 |
2022: $ 6.15 |
Shares outstandingSee footnote 1 |
2024: 400.6 |
2023: 423.5 |
2022: 483.4 |
Period End |
2024 |
2023 |
2022 |
Total assets |
2024: $ 119,463 |
2023: $ 117,479 |
2022: $ 104,564 |
Loan receivables |
2024: $ 104,721 |
2023: $ 102,988 |
2022: $ 92,470 |
Deposits |
2024: $ 82,062 |
2023: $ 81,153 |
2022: $ 71,735 |
Common equity Tier 1 capital ratio |
2024: 13.3% |
2023: 12.2% |
2022: 13.3% |
Performance Metrics |
2024 |
2023 |
2022 |
Purchase volume (in billions)See footnote 2 |
2024: $ 182.2 |
2023: $ 185.2 |
2022: $ 180.2 |
Period-end active accounts (in thousands)See footnote 3 |
2024: $ 71,532 |
2023: $ 73,484 |
2022: $ 70,763 |
Average active accounts (in thousands)See footnote 3 |
2024: $ 70,904 |
2023: $ 70,337 |
2022: $ 68,627 |
Net interest marginSee footnote 4 |
2024: 14.76% |
2023: 15.15% |
2022: 15.63% |
Net charge-off rateSee footnote 5 |
2024: 6.31% |
2023: 4.87% |
2022: 3.00% |
30+ delinquency rateSee footnote 6 |
2024: 4.70% |
2023: 4.74% |
2022: 3.65% |
Efficiency ratioSee footnote 7 |
2024: 30.0% |
2023: 34.9% |
2022: 37.2% |
Return on assetsSee footnote 8 |
2024: 2.9% |
2023: 2.0% |
2022: 3.1% |