The checklist Warren Buffett-style investors use. Annual numbers for 2025.
2/5Weak
MissReturn on equity 15%+Earns a lot on the money owners have in the business.8.2%
MissDebt under half of equityNot relying on borrowed money.0.64x equity
MissProfitable every yearSteady profits, not one good year.9 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$5.7B
PassShare count not growingNot diluting owners. Falling means buybacks.-2.7% in 3 years
Total debt
$42.0B
0.64x equity
Free cash flow
$5.7B
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 16Before open6:31 am ET
From the press release
The third quarter of 2026 included losses from AFS securities sales of $1.4 billion and losses associated with the RAC loan sale of $66 million (other income).
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$1.23
vs $0.90
Free cash flow
$1.0B
Share count
-5.1%
vs a year ago
Insider rating
Last 90 days
No open-market insider buys or sells in the last 90 days.
Weekly insider trend
No trades to chart yet.
Filing buzz
Last 7 days vs normal
60/ 100
This week
4
Normal week
2.7
vs normal
1.5x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady+1.1%
Institutions added 1.1% to their holdings. 770 bought, 754 sold.
Shares held by institutions944.0M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
-2.8%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.7x · $43.0B debt
Shares outstandingLatest reported
1.2B
Earnings reports
Last 12
Next reportAround Jan 20, 2027 (est.)Estimated from the same quarter last year
Results filedOct 16
Results filedJul 17
Results filedApr 17
Results filedJan 21
Results filedOct 17, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days