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Condensed Consolidated Statements of Cash Flows - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Cash flows from operating activities    
Net income attributable to shareholders $ 77.7 $ 71.5
Adjustments to reconcile net income to net cash used for operating activities:    
Stock-based compensation 27.5 12.6
Depreciation and amortization 81.6 81.5
Provision for credit losses 29.3 15.9
Other non-cash adjustments 1.5 (1.8)
Net change in operating assets and liabilities, net of effects of business acquisitions (548.3) (661.3)
Net cash used for operating activities (330.8) (481.6)
Cash flows from investing activities    
Purchases of property, equipment and capitalized software (37.5) (32.6)
Purchases of available-for-sale debt securities (653.0) (146.0)
Sales and maturities of available-for-sale debt securities 177.2 175.5
Acquisition of intangible assets 0.0 (14.5)
Other investing activities (10.8) (5.9)
Net cash used for investing activities (524.1) (23.5)
Cash flows from financing activities    
Repurchases of common stock 0.0 (790.0)
Net change in deposits 318.3 193.3
Net change in restricted cash payable (160.9) (194.1)
Borrowings on revolving credit facility 2,481.3 3,101.9
Repayments on revolving credit facility (2,393.9) (3,053.2)
Borrowings on term loans 0.0 447.8
Repayments on term loans (15.9) (14.7)
Proceeds from issuance of Senior Notes 0.0 550.0
Advances from the FHLB 5,725.0 2,645.0
Repayments to the FHLB (5,555.0) (2,570.0)
Net change in borrowed federal funds 185.0 110.0
Net (repayments) borrowings on other debt (50.5) 3.5
Payments of deferred and contingent consideration (80.7) (76.7)
Other financing activities (29.7) (34.4)
Net cash provided by financing activities 423.1 318.4
Effect of exchange rates on cash, cash equivalents and restricted cash (6.4) 27.2
Net change in cash, cash equivalents and restricted cash (438.1) (159.5)
Cash, cash equivalents and restricted cash, beginning of period 1,678.4 1,437.0
Cash, cash equivalents and restricted cash, end of period $ 1,240.3 $ 1,277.6