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$470.9億

PER

16.2倍

クレジットカード発行や個人向け融資、預金サービスの大手、従業員約2万1千人（2024年末）を擁する。モバイルアプリやAI不正検知、国際決済ネットワークを展開。2025年2月にCapital Oneとの合併承認を取得。米国を中心に展開。

	2010年 11月30日	2011年 11月30日	2012年 11月30日	2013年 12月31日	2014年 12月31日	2015年 12月31日	2016年 12月31日	2017年 12月31日	2018年 12月31日	2019年 12月31日	2020年 12月31日	2021年 12月31日	2022年 12月31日	2023年 12月31日	2024年 12月31日
Net income	765	2,227	2,345	2,470	2,323	2,297	2,393	2,099	2,742	2,957	1,141	5,449	4,392	2,940	4,535
Provision for credit losses	-	-	-	-	-	-	-	-	-	-	5,134	218	2,359	6,018	4,911
Deferred income taxes	113	232	146	322	-11	-	-	-	-	-133	-672	327	-427	-626	162
Depreciation and amortization	83	-69	172	223	243	391	351	393	435	436	485	531	561	458	300
Amortization of deferred revenues	-	-	-	-	-	432	395	399	403	421	320	295	365	468	425
Gains related to loans sold	-	-	-	-	-	-	-	-	-	-	-	-	-	-	450
Net losses on investments and other assets	-	-	-	-	-	26	-57	-55	-45	-37	26	382	-261	-50	-65
Other, net	-	-	-	-	-	-8	113	361	-107	-51	200	257	125	110	82
Decrease (increase) in other assets	201	22	112	252	238	237	187	502	7	202	-118	496	846	658	-43
Increase (Decrease) in Other Operating Liabilities	-	350	349	-269	73	162	234	622	-549	209	136	410	1,080	739	-798
Net cash provided by operating activities	3,873	3,610	-	-	-	-	-	-	5,191	6,196	6,196	6,019	7,140	8,563	8,425
Purchases of other short-term investments	375	-	-	-	-	-	-	-	-	1,000	8,046	-	-	-	5,370
Maturities of available-for-sale investment securities	-	-	-	-	-	-	-	-	-	-	-	2,727	2,084	1,831	2,217
Purchases of available-for-sale investment securities	-	-	-	-	-	-	-	-	2,554	7,183	113	9	7,682	2,996	3,106
Maturities of held-to-maturity investment securities	22	18	11	29	10	17	24	16	18	31	54	82	32	16	16
Purchases of held-to-maturity investment securities	1	2	51	2	53	37	56	40	82	66	44	28	50	49	35
Proceeds from Sale, Loan, Held-for-Investment	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10,679
Net change in principal on loans originated for investment	-	3,970	4,085	3,915	5,095	3,479	5,978	8,701	8,480	7,844	-3,045	4,574	19,961	19,934	7,893
Proceeds from the sale of available for sale securities	-	-	-	-	-	-	-	-	-	-	-	5	-	-	8
Proceeds from the sale of other investments	-	-	-	-	-	-	-	-	-	-	94	1	336	44	25
Purchases of other investments	-	109	65	114	60	51	51	65	65	68	72	170	169	100	83
Proceeds from sale of premises and equipment	0	3	1	-	-	1	-	-	-	-	-	-	9	-	59
Purchases of premises and equipment	55	112	144	231	145	168	179	218	254	284	261	194	236	303	268
Net cash used for investing activities	-4,723	-8,122	-	-	-	-	-	-	-10,579	-15,274	1,514	40	-25,637	-21,491	-3,751
Net change in short-term borrowings	-	50	234	-231	-27	-113	-	-	-	-	-	1,750	-1,750	750	-750
Net change in deposits	1,344	5,142	2,539	2,782	1,137	1,510	4,453	6,753	8,961	4,945	4,128	-4,533	19,208	17,250	-1,995
Proceeds from Issuance of Secured Debt	1,800	3,700	5,850	4,650	5,049	2,975	3,070	5,059	4,766	3,519	-	1,727	5,620	2,230	750
Maturities, repayments and transfers of securitized debt	9,311	5,746	3,752	3,638	4,678	3,634	3,419	4,959	4,447	6,287	3,531	3,451	4,395	1,494	3,290
Proceeds from Issuance of Unsecured Debt	-	-	-	-	-	-	-	1,127	2,233	1,340	494	-	1,265	2,041	-
Maturities and repayments of other long-term borrowings	-	-	-	-	-	-	-	404	1,756	286	1,755	922	834	2,340	1,777
Proceeds from issuance of common stock	1	23	26	13	5	5	7	5	6	7	10	9	10	12	13
Dividends paid on common and preferred stock	-	110	209	399	467	515	514	527	552	573	576	636	703	752	771
Purchases of treasury stock	8	435	1,216	1,296	1,564	1,715	1,908	2,081	2,065	1,768	348	2,260	2,359	1,938	83
Net cash (used for) provided by financing activities	-7,072	2,263	-	-	-	-	-	-	7,146	897	-1,085	-8,316	16,062	15,759	-7,903
Net (decrease) increase in cash, cash equivalents and restricted cash	-	-	-	-	-	-	-	-	1,758	-8,181	6,625	-2,257	-2,435	2,831	-3,229
Interest expense	-	-	-	-	-	-	-	-	1,847	2,407	1,799	1,077	1,666	4,508	5,690
Income Taxes Paid, Net	169	906	1,301	1,348	1,388	1,341	1,300	1,424	650	1,088	901	1,305	1,865	1,605	1,180