SSB Snapshot del titolo Prezzo, capitalizzazione di mercato, P/E, EPS, ROE, debito/capitale proprio, intervallo 52 settimane

Prezzo

$101.21

Capitalizzazione di Mercato

$9.33B

P/E (TTM)

12.0

EPS (TTM)

$7.87

Ricavi (TTM)

—

Rendimento div.

2.5%

ROE

8.9%

D/E Debito/Patrimonio

—

Intervallo 52 sett.

$84 – $108

SSB Grafico del prezzo delle azioni OHLCV giornaliero con indicatori tecnici — panoramica, zoom e personalizza la tua visualizzazione

Performance decennale Andamento di ricavi, utile netto, margini e EPS

Ricavi e Utile Netto —

EPS $7.87

2019-12-31 → 2025-12-31

Flusso di cassa libero $231M

2020-12-31 → 2025-12-31

Margini 29.8%

Valutazione Rapporti P/E, P/S, P/B, EV/EBITDA — il titolo è costoso o economico?

Metrica

Tendenza 5 anni

SSB

Mediana dei peer

P/E (TTM)

12.0

12.9

P/S (TTM)

3.5

2.2

P/B

1.0

1.2

Price / FCF (Prezzo / FCF)

40.5

—

Redditività Margini lordi, operativi e netti; ROE, ROA, ROIC

Metrica

Tendenza 5 anni

SSB

Mediana dei peer

Net Profit Margin (Margine di Profitto Netto)

29.8%

27.6%

ROA

1.4%

1.0%

ROE

8.9%

9.7%

Salute finanziaria Debito, liquidità, solvibilità — solidità del bilancio

Metrica

Tendenza 5 anni

SSB

Mediana dei peer

Crescita Crescita di ricavi, EPS e utile netto: YoY, CAGR 3Y, CAGR 5Y

Metrica

Tendenza 5 anni

SSB

Mediana dei peer

Revenue YoY (Ricavi YoY)

56.1%

—

Revenue CAGR 3Y (CAGR Ricavi 3Y)

17.7%

—

Revenue CAGR 5Y (CAGR Ricavi 5Y)

18.7%

—

EPS YoY

12.9%

—

Net Income YoY (Utile Netto YoY)

49.3%

—

Metriche per Azione EPS, valore contabile per azione, flusso di cassa per azione, dividendo per azione

Metrica

Tendenza 5 anni

SSB

Mediana dei peer

EPS (Diluted) (EPS (Diluito))

$7.87

—

Efficienza del Capitale Rotazione delle attività, rotazione delle scorte, rotazione dei crediti

Metrica

Tendenza 5 anni

SSB

Mediana dei peer

Payout Ratio (Rapporto di Distribuzione Utili)

29.0%

—

Dividendi Rendimento, payout ratio, storico dividendi, CAGR 5Y

Dividend Yield

2.5%

Rapporto di Distribuzione Utili

29.0%

CAGR Dividendi 5Y

—

Data ex-dividendo	Importo
08 Maggio 2026	$0,6000
06 Febbraio 2026	$0,6000
07 Novembre 2025	$0,6000
08 Agosto 2025	$0,6000
09 Maggio 2025	$0,5400
07 Febbraio 2025	$0,5400
08 Novembre 2024	$0,5400
09 Agosto 2024	$0,5400
09 Maggio 2024	$0,5200
08 Febbraio 2024	$0,5200
09 Novembre 2023	$0,5200
10 Agosto 2023	$0,5200
11 Maggio 2023	$0,5000
09 Febbraio 2023	$0,5000
09 Novembre 2022	$0,5000
11 Agosto 2022	$0,5000
12 Maggio 2022	$0,4900
10 Febbraio 2022	$0,4900
10 Novembre 2021	$0,4900
11 Agosto 2021	$0,4900

SSB Consenso degli analisti Opinioni degli analisti, sia rialziste che ribassiste, target price a 12 mesi, potenziale di rialzo

COMPRA 18 analisti

Acquisto forte 5 27,8%
Compra 11 61,1%
Mantieni 2 11,1%
Vendi 0 0,0%
Vendita forte 0 0,0%

Target Price a 12 Mesi

Mediana $115.00

← Sotto tutti i target $101.21

Basso $105.00

Alto $125.00

Target mediano $115.00 +13,6%

Target medio $115.77 +14,4%

Cronologia utili EPS effettivo vs stima, surprise %, tasso di superamento, data prossimi utili

Sorpresa media

0.29%

Prossimo report

Lug 24, 2026

Periodo	EPS Actual	EPS Stimato	Sorpresa
31 Marzo 2026	$2.28	$2.23	0.05%
31 Dicembre 2025	$2.47	$2.30	0.17%
30 Settembre 2025	$2.58	$2.22	0.36%
30 Giugno 2025	$2.30	$2.03	0.27%
31 Marzo 2025	$2.15	$1.56	0.59%

Confronto tra pari Metriche chiave rispetto ai pari del settore

Ticker	Capitalizzazione di Mercato	P/E	Rev YoY	Margine Netto	ROE	Margine lordo
SSB	$9.33B	12.0	56.1%	29.8%	8.9%	—
WBS	—	10.7	11.9%	—	—	—
UMBF	$8.74B	12.4	62.8%	26.5%	9.4%	—
WTFC	$9.36B	12.3	5.9%	310.1%	11.4%	—
ONB	$8.69B	12.5	—	26.5%	8.1%	—
ZION	$8.64B	9.7	3.6%	135.8%	13.1%	—
CFR	—	12.8	8.3%	29.0%	14.8%	—
COLB	$8.26B	12.2	18.8%	310.7%	8.5%	—
WAL	—	9.6	99.7%	713.6%	13.5%	—
BOKF	$7.18B	12.9	6.1%	26.6%	10.1%	—
CBSH	$7.20B	13.0	6.5%	32.1%	16.0%	—

Fondamentali Completi Tutte le metriche per anno — conto economico, stato patrimoniale, rendiconto finanziario

Conto Economico 10

Dati annuali Conto Economico per SSB
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	·	·	$492M	$61M	$52M	$84M	$87M	$54M	$17M	$8M	$10M	$16M
Interest Income	$3.38B	$2.14B	$1.94B	$1.40B	$1.08B	$910M	$591M	$567M	$426M	$333M	$338M	$342M
Pretax Income	$1.04B	$700M	$631M	$633M	$604M	$104M	$230M	$224M	$169M	$154M	$150M	$111M
Income Tax	$242M	$165M	$137M	$137M	$129M	$-17M	$44M	$45M	$81M	$53M	$51M	$36M
Net Income	$799M	$535M	$494M	$496M	$476M	$121M	$186M	$179M	$88M	$101M	$99M	$75M
EPS (Basic)	$7.90	$7.01	$6.50	$6.65	$6.76	$2.20	$5.40	$4.90	$2.95	$4.22	$4.15	$3.11
EPS (Diluted)	$7.87	$6.97	$6.46	$6.60	$6.71	$2.19	$5.36	$4.86	$2.93	$4.18	$4.11	$3.08
Shares (Basic)	101,043,000	76,303,000	76,051,000	74,551,000	70,393,000	54,756,000	34,561,000	36,530,000	29,686,000	23,998,000	23,966,000	23,897,000
Shares (Diluted)	101,499,000	76,762,000	76,480,000	75,181,000	70,889,000	55,063,000	34,797,000	36,776,000	29,922,000	24,219,000	24,224,000	24,154,000
EBITDA	·	·	·	·	·	·	·	$36M	$29M	$22M	$21M	$21M

Stato Patrimoniale 16

Dati annuali Stato Patrimoniale per SSB
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Cash & Equivalents	·	·	·	·	·	·	·	·	$378M	$374M	$696M	$418M
PP&E (Net)	·	·	·	·	·	·	$317M	$241M	$256M	$184M	$175M	$172M
PP&E (Gross)	·	·	·	·	·	·	$498M	$415M	$415M	$297M	$279M	$267M
Accum. Depreciation	·	·	·	·	·	·	$180M	$174M	$160M	$113M	$104M	$96M
Goodwill	$3.09B	$1.92B	$1.92B	$1.92B	$1.58B	$1.56B	$1.00B	$1.00B	$1000M	$338M	$338M	$318M
Intangibles	$386M	$66M	$89M	$116M	$128M	$163M	$50M	$63M	$74M	$40M	$47M	$49M
Total Assets	$67.20B	$46.38B	$44.90B	$43.92B	$41.84B	$37.79B	$15.92B	$14.68B	$14.47B	$8.90B	$8.56B	$7.83B
Total Liabilities	$58.14B	$40.49B	$39.37B	$38.84B	$37.04B	$33.14B	$13.55B	$12.31B	$12.16B	$7.77B	$7.50B	$6.84B
Total Debt	·	·	·	·	·	·	·	·	·	$55M	$55M	$101M
Common Stock	$248M	$191M	$190M	$189M	$173M	$177M	$84M	$90M	$92M	$61M	$60M	$60M
Paid-in Capital	$6.48B	$4.26B	$4.24B	$4.22B	$3.65B	$3.77B	$1.61B	$1.75B	$1.81B	$711M	$704M	$702M
Retained Earnings	$2.61B	$2.05B	$1.69B	$1.35B	$998M	$657M	$680M	$551M	$420M	$371M	$299M	$223M
AOCI	$-283M	$-607M	$-583M	$-677M	$-21M	$48M	$1M	$-25M	$-10M	$-8M	$-4M	$-377.0K
Stockholders' Equity	$9.06B	$5.89B	$5.53B	$5.07B	$4.80B	$4.65B	$2.37B	$2.37B	$2.31B	$1.13B	$1.06B	$985M
Liabilities + Equity	$67.20B	$46.38B	$44.90B	$43.92B	$41.84B	$37.79B	$15.92B	$14.68B	$14.47B	$8.90B	$8.56B	$7.83B
Shares Outstanding	99,138,204	76,322,206	76,022,039	75,704,563	69,332,297	70,973,477	33,744,385	35,829,549	36,759,656	24,230,392	24,162,657	24,150,702

Flusso di cassa 17

Dati annuali Flusso di cassa per SSB
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
D&A	·	·	·	·	·	·	·	$36M	$29M	$22M	$21M	$21M
Stock-based Comp	$37M	$28M	$36M	$36M	$26M	$23M	$9M	$9M	$7M	$6M	$6M	$4M
Deferred Tax	$105M	$-10M	$2M	$124M	$68M	$-46M	$-1M	$13M	$32M	$12M	$7M	$26M
Amort. of Intangibles	$95M	$22M	$28M	$33M	$35M	$27M	$13M	$14M	$10M	$8M	$8M	$8M
Other Non-cash	·	·	·	·	·	·	·	$47M	$43M	$-3M	$53M	$-8M
Operating Cash Flow	$301M	$512M	$547M	$1.73B	$416M	$537M	$181M	$284M	$198M	$138M	$187M	$119M
CapEx	$70M	$36M	$39M	$18M	$28M	$17M	$16M	$15M	$15M	$26M	$15M	$16M
Investing Cash Flow	$21M	$-886M	$-1.43B	$-4.86B	$-2.32B	$1.23B	$-795M	$-282M	$-61M	$-691M	$-103M	·
Stock Issued	$5M	$3M	$3M	$3M	$2M	$2M	$1M	$1M	$1M	$925.0K	$908.0K	$826.0K
Stock Repurchased	$236M	$17M	$16M	$119M	$147M	$32M	$159M	$71M	$6M	$6M	$6M	$917.0K
Net Stock Activity	$-231M	$-14M	$-13M	$-116M	$-145M	$-31M	·	$-69M	$-4M	$-5M	$-5M	$-91.0K
Dividends Paid	$231M	$163M	$156M	$147M	$135M	$98M	$58M	$51M	$39M	$29M	$24M	$20M
Financing Cash Flow	$1.46B	$767M	$566M	$-2.28B	$4.02B	$2.15B	$894M	$30M	$-134M	$232M	$194M	·
Net Change in Cash	$1.78B	$393M	$-314M	$-5.41B	$2.11B	$3.92B	$280M	$31M	$3M	$-321M	$278M	·
Taxes Paid	$170M	$111M	$75M	$35M	$126M	$104M	$56M	$32M	$48M	$39M	·	·
Free Cash Flow	$231M	$476M	$508M	$1.71B	$509M	$520M	·	$269M	$183M	$112M	$172M	$103M
Levered FCF	·	·	$123M	$1.67B	$468M	$423M	·	$226M	$174M	$107M	$165M	$92M

Redditività 5

Dati annuali Redditività per SSB
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Net Margin	29.8%	31.1%	28.4%	30.2%	34.3%	10.6%	·	27.1%	15.7%	22.2%	22.4%	17.9%
Pretax Margin	38.8%	40.8%	36.3%	38.5%	43.5%	9.1%	·	34.0%	30.2%	33.8%	33.9%	26.5%
EBITDA Margin	·	·	·	·	·	·	·	5.4%	5.1%	4.7%	4.8%	5.0%
ROA	1.4%	1.2%	1.1%	1.2%	1.2%	0.45%	·	1.2%	0.68%	1.1%	1.2%	0.96%
ROE	8.9%	9.1%	9.2%	9.9%	9.9%	2.6%	·	7.6%	4.4%	9.0%	9.4%	7.7%

Liquidità e Solvibilità 2

Dati annuali Liquidità e Solvibilità per SSB
Metrica	Tendenza	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Debt / Equity		·	·	·	·	·	·	·	·	·	0.0	0.1	0.1
LT Debt / Equity		·	·	·	·	·	·	·	·	·	0.0	0.1	0.1

Efficienza 1

Dati annuali Efficienza per SSB
Metrica	Tendenza	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Asset Turnover		0.0	0.0	0.0	0.0	0.0	0.0	·	0.0	0.0	0.1	0.1	0.1

Per Azione 6

Dati annuali Per Azione per SSB
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Book Value / Share	$91.38	$77.18	$72.78	$67.04	$69.27	$65.49	·	$66.04	$62.81	$46.83	$43.84	$40.78
Revenue / Share	$26.41	$22.38	$22.74	$21.88	$19.57	$20.66	·	$17.92	$18.65	$18.79	$18.30	$17.43
Cash Flow / Share	$2.96	$6.67	$7.15	$23.02	$7.58	$9.75	·	$7.71	$6.61	$5.70	$7.71	$4.91
Cash / Share	·	·	·	·	·	·	·	·	$10.27	$15.45	$28.80	$17.30
Dividend / Share	$2	$2	$2	$2	$2	$2	$2	$1	$1	$1	$1	$1
EPS (TTM)	$7.87	$6.97	$6.46	$6.60	$6.71	$2.19	$5.36	$4.86	$2.93	$4.18	$4.11	$3.08

Tassi di Crescita 10

Dati annuali Tassi di Crescita per SSB
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue YoY	56.1%	-1.2%	5.8%	18.6%	22.0%	·	·	·	·	·	·	·
Revenue CAGR 3Y	17.7%	7.4%	15.2%	·	·	·	·	·	·	·	·	·
Revenue CAGR 5Y	18.7%	·	·	·	·	·	·	·	·	·	·	·
EPS YoY	12.9%	7.9%	-2.1%	-1.6%	206.4%	·	·	·	·	·	·	·
EPS CAGR 3Y	6.0%	1.3%	43.4%	·	·	·	·	·	·	·	·	·
EPS CAGR 5Y	29.1%	·	·	·	·	·	·	·	·	·	·	·
Net Income YoY	49.3%	8.2%	-0.35%	4.3%	294.2%	·	·	·	·	·	·	·
Net Income CAGR 3Y	17.2%	4.0%	60.0%	·	·	·	·	·	·	·	·	·
Net Income CAGR 5Y	45.9%	·	·	·	·	·	·	·	·	·	·	·
Dividend CAGR 5Y	18.7%	·	·	·	·	·	·	·	·	·	·	·

Valutazione (TTM) 17

Dati annuali Valutazione (TTM) per SSB
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue TTM	$2.68B	$1.72B	$1.74B	$1.64B	$1.39B	$1.14B	$648M	$659M	$549M	$446M	$443M	$421M
Net Income TTM	$799M	$535M	$494M	$496M	$476M	$121M	$186M	$179M	$88M	$101M	$99M	$75M
Market Cap	$9.33B	$7.59B	$6.42B	$5.78B	$5.55B	$5.13B	·	$2.15B	$3.20B	$2.12B	$1.74B	$1.62B
Enterprise Value	·	·	·	·	·	·	·	·	·	$1.80B	$1.10B	$1.30B
P/E	12.0	14.3	13.1	11.6	11.9	33.0	16.2	12.3	29.7	20.9	17.5	21.8
P/S	3.5	4.4	3.7	3.5	4.0	4.5	·	3.3	5.8	4.7	3.9	3.8
P/B	1.0	1.3	1.2	1.1	1.2	1.1	·	0.9	1.4	1.9	1.6	1.6
P / Tangible Book	1.7	1.9	1.8	1.9	1.8	1.8	·	·	·	·	·	·
P / Cash Flow	31.0	14.8	11.7	3.3	10.3	9.6	·	7.6	16.2	15.3	9.3	13.7
P / FCF	40.5	15.9	12.6	3.4	10.9	9.9	·	8.0	17.5	18.9	10.1	15.8
EV / EBITDA	·	·	·	·	·	·	·	·	·	83.3	51.1	61.5
EV / FCF	·	·	·	·	·	·	·	·	·	16.0	6.4	12.7
EV / Revenue	·	·	·	·	·	·	·	·	·	4.0	2.5	3.1
Dividend Yield	2.5%	2.1%	2.4%	2.5%	2.4%	1.9%	·	2.4%	1.2%	1.4%	1.4%	1.2%
Earnings Yield	8.4%	7.0%	7.6%	8.6%	8.4%	3.0%	6.2%	8.1%	3.4%	4.8%	5.7%	4.6%
Payout Ratio	29.0%	30.5%	31.6%	29.6%	28.5%	81.5%	·	28.3%	44.1%	28.9%	23.8%	26.2%
Annual Payout	$231M	$163M	$156M	$147M	$135M	$98M	$58M	$51M	$39M	$29M	$24M	$20M

Conto Economico 9

Dati trimestrali Conto Economico per SSB
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Interest Expense	·	·	·	·	·	·	·	·	$173M	·	$145M	$116M	$69M	·	$14M	$11M
Interest Income	$817M	$849M	$882M	$841M	$809M	$549M	$544M	$531M	$517M	$515M	$501M	$478M	$450M	$424M	$376M	$326M
Pretax Income	$291M	$315M	$321M	$282M	$121M	$187M	$187M	$173M	$154M	$137M	$157M	$158M	$179M	$183M	$171M	$152M
Income Tax	$66M	$68M	$75M	$67M	$32M	$43M	$43M	$40M	$38M	$30M	$33M	$34M	$39M	$39M	$38M	$33M
Net Income	$226M	$248M	$247M	$215M	$89M	$144M	$143M	$132M	$115M	$107M	$124M	$123M	$140M	$144M	$133M	$119M
EPS (Basic)	$2.29	$2.46	$2.44	$2.12	$0.88	$1.88	$1.88	$1.74	$1.51	$1.41	$1.63	$1.62	$1.84	$1.91	$1.76	$1.58
EPS (Diluted)	$2.28	$2.47	$2.42	$2.11	$0.87	$1.88	$1.86	$1.73	$1.50	$1.39	$1.62	$1.62	$1.83	$1.89	$1.75	$1.57
Shares (Basic)	98,544,000	-203,080,000	101,218,000	101,495,000	101,410,000	-152,548,000	76,299,000	76,251,000	76,301,000	-152,048,000	76,139,000	76,058,000	75,902,000	-147,963,000	75,606,000	75,461,000
Shares (Diluted)	98,922,000	-203,910,000	101,735,000	101,845,000	101,829,000	-153,310,000	76,805,000	76,607,000	76,660,000	-152,898,000	76,571,000	76,418,000	76,389,000	-149,206,000	76,182,000	76,094,000

Stato Patrimoniale 11

Dati trimestrali Stato Patrimoniale per SSB
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Goodwill	$3.09B	$3.09B	$3.09B	$3.09B	$3.09B	$1.92B	$1.92B	$1.92B	$1.92B	·	$1.92B	$1.92B	$1.92B	·	$1.92B	$1.92B
Intangibles	$365M	$386M	$410M	$433M	$455M	$66M	$72M	$77M	$83M	·	$95M	$102M	$110M	·	$125M	$133M
Total Assets	$67.98B	$67.20B	$66.05B	$65.89B	$65.14B	$46.38B	$46.08B	$45.49B	$45.14B	·	$44.99B	$44.94B	$44.92B	·	$45.18B	$46.21B
Total Liabilities	$58.95B	$58.14B	$57.04B	$57.09B	$56.51B	$40.49B	$40.18B	$39.84B	$39.60B	·	$39.76B	$39.65B	$39.67B	·	$40.26B	$41.17B
Common Stock	$245M	$248M	$253M	$254M	$254M	$191M	$191M	$190M	$190M	·	$190M	$190M	$190M	·	$189M	$189M
Paid-in Capital	$6.33B	$6.48B	$6.65B	$6.68B	$6.67B	$4.26B	$4.25B	$4.24B	$4.23B	·	$4.24B	$4.23B	$4.22B	·	$4.21B	$4.20B
Retained Earnings	$2.78B	$2.61B	$2.43B	$2.24B	$2.08B	$2.05B	$1.94B	$1.84B	$1.75B	·	$1.62B	$1.53B	$1.45B	·	$1.24B	$1.15B
AOCI	$-326M	$-283M	$-316M	$-372M	$-377M	$-607M	$-480M	$-620M	$-623M	·	$-816M	$-662M	$-614M	·	$-716M	$-491M
Stockholders' Equity	$9.03B	$9.06B	$9.01B	$8.80B	$8.62B	$5.89B	$5.90B	$5.65B	$5.55B	$5.53B	$5.23B	$5.29B	$5.25B	$5.07B	$4.92B	$5.04B
Liabilities + Equity	$67.98B	$67.20B	$66.05B	$65.89B	$65.14B	$46.38B	$46.08B	$45.49B	$45.14B	·	$44.99B	$44.94B	$44.92B	·	$45.18B	$46.21B
Shares Outstanding	97,937,653	99,138,204	101,089,231	101,498,000	101,479,065	76,322,206	76,269,577	76,195,723	76,177,163	76,022,039	76,017,366	75,995,979	75,859,665	75,704,563	75,676,445	75,641,322

Flusso di cassa 14

Dati trimestrali Flusso di cassa per SSB
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Stock-based Comp	$9M	$9M	$10M	$11M	$8M	$7M	$8M	$7M	$6M	$7M	$9M	$8M	$11M	$7M	$11M	$9M
Amort. of Intangibles	$21M	$23M	$23M	$24M	$24M	$5M	$5M	$6M	$6M	$7M	$7M	$7M	$7M	$8M	$8M	$9M
Operating Cash Flow	$299M	$232M	$122M	$73M	$-126M	$354M	$-247M	$127M	$278M	$-274M	$449M	$312M	$59M	$154M	$1.27B	$794M
CapEx	$16M	$17M	$21M	$20M	$13M	$13M	$7M	$9M	$6M	$13M	$11M	$7M	$8M	$4M	$5M	$4M
Investing Cash Flow	$-1.14B	$-1.06B	$-274M	$-511M	$1.87B	$-236M	$-156M	$-388M	$-106M	$-200M	$-321M	$-632M	$-274M	$-1.17B	$-833M	$-1.36B
Stock Issued	$1M	$2M	$1M	$1M	$93.0K	$2M	$847.0K	·	·	$1M	$709.0K	·	·	$1M	$739.0K	·
Stock Repurchased	$160M	$182M	$43M	$97.0K	$11M	$75.0K	$605.0K	$140.0K	$16M	$9M	$387.0K	$4M	$3M	$69.0K	$878.0K	$30M
Net Stock Activity	$-159M	·	·	·	$-11M	·	·	·	$-16M	·	·	·	$-3M	·	·	·
Dividends Paid	$60M	$60M	$61M	$55M	$56M	$41M	$41M	$40M	$41M	$40M	$40M	$39M	$38M	$38M	$38M	$37M
Financing Cash Flow	$534M	$855M	$-168M	$602M	$169M	$61M	$498M	$169M	$39M	$144M	$-314M	$-164M	$899M	$-597M	$-2.11B	$-519M
Net Change in Cash	$-305M	$28M	$-320M	$164M	$1.91B	$179M	$96M	$-92M	$211M	$-330M	$-185M	$-483M	$684M	$-1.61B	$-1.68B	$-1.09B
Taxes Paid	$50M	$45M	$53M	$72M	$191.0K	$50M	$19M	$42M	$147.0K	$6M	$7M	$60M	$2M	$4M	$3M	$27M
Free Cash Flow	$283M	·	·	·	$-139M	·	·	·	$272M	·	·	·	$52M	·	·	·
Levered FCF	·	·	·	·	·	·	·	·	$142M	·	·	·	$-2M	·	·	·

Redditività 4

Dati trimestrali Redditività per SSB
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Net Margin	34.1%	·	35.3%	32.4%	14.1%	·	33.6%	31.1%	27.7%	·	29.0%	28.1%	30.9%	·	30.6%	29.6%
Pretax Margin	44.0%	·	46.0%	42.4%	19.2%	·	43.8%	40.6%	37.0%	·	36.7%	36.0%	39.6%	·	39.3%	37.8%
ROA	0.34%	·	0.44%	0.39%	0.16%	·	0.31%	0.29%	0.26%	·	0.28%	0.27%	0.31%	·	0.31%	0.28%
ROE	2.6%	·	3.3%	3.0%	1.3%	·	2.6%	2.4%	2.1%	·	2.5%	2.4%	2.7%	·	2.7%	2.4%

Efficienza 1

Dati trimestrali Efficienza per SSB
Metrica	Tendenza	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Asset Turnover		0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0

Per Azione 5

Dati trimestrali Per Azione per SSB
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Book Value / Share	$92.21	·	$89.14	$86.71	$84.99	·	$77.42	$74.16	$72.82	·	$68.81	$69.61	$69.19	·	$65.03	$66.64
Revenue / Share	$6.69	·	$6.87	$6.53	$6.19	·	$5.55	$5.55	$5.42	·	$5.59	$5.74	$5.93	·	$5.72	$5.29
Cash Flow / Share	$3.02	·	·	·	$-1.24	·	·	·	$3.62	·	·	·	$0.78	·	·	·
Dividend / Share	$1	$1	$1	$1	$1	$1	$1	$1	$1	$1	$1	$0	$0	$0	$0	$0
EPS (TTM)	$7.68	·	$7.26	$6.57	$5.96	·	$6.71	$6.47	$6.57	·	$6.82	$6.77	$6.54	·	$6.45	$6.09

Valutazione (TTM) 11

Dati trimestrali Valutazione (TTM) per SSB
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Revenue TTM	$2.66B	·	$2.42B	$2.15B	$1.90B	·	$1.70B	$1.71B	$1.74B	·	$1.76B	$1.73B	$1.64B	·	$1.53B	$1.43B
Net Income TTM	$777M	·	$694M	$580M	$480M	·	$515M	$495M	$503M	·	$521M	$516M	$492M	·	$475M	$441M
Market Cap	$9.06B	·	$9.99B	$9.34B	$9.42B	·	$7.41B	$5.82B	$6.48B	·	$5.12B	$5.00B	$5.41B	·	$5.99B	$5.84B
P/E	12.0	·	13.6	14.0	15.6	·	14.5	11.8	12.9	·	9.9	9.7	10.9	·	12.3	12.7
P/S	3.4	·	4.1	4.4	5.0	·	4.4	3.4	3.7	·	2.9	2.9	3.3	·	3.9	4.1
P/B	1.0	·	1.1	1.1	1.1	·	1.3	1.0	1.2	·	1.0	0.9	1.0	·	1.2	1.2
P / Tangible Book	1.6	·	1.8	1.8	1.9	·	1.9	1.6	1.8	·	1.6	1.5	1.7	·	2.1	2.0
P / Cash Flow	30.3	·	·	·	-74.6	·	·	·	23.3	·	·	·	91.0	·	·	·
P / FCF	32.0	·	·	·	-67.7	·	·	·	23.8	·	·	·	104.5	·	·	·
Earnings Yield	8.3%	·	7.3%	7.1%	6.4%	·	6.9%	8.5%	7.7%	·	10.1%	10.3%	9.2%	·	8.2%	7.9%
Payout Ratio	26.6%	·	·	·	62.7%	·	·	·	35.4%	·	·	·	27.4%	·	·	·

Bilanci Conto economico, stato patrimoniale, flusso di cassa — annuale, ultimi 5 anni

Conto Economico

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Utile netto	$799M	$535M	$494M	$496M	$476M
EPS Diluito	$7.87	$6.97	$6.46	$6.60	$6.71

Flusso di cassa

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Flusso di cassa libero	$231M	$476M	$508M	$1.71B	$509M

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