EARNINGS PER COMMON SHARE COMPUTATION
Detail supporting the computation of basic and diluted earnings per common share was as follows for the years ended December 31, 2025, 2024 and 2023:
202520242023
 (dollars in millions, except per
common share results, number of
shares/options in thousands)
Net income available for common stockholders$1,188 $1,207 $2,489 
Weighted-average outstanding shares of common stock used to
    compute basic earnings per common share
120,454 120,571 123,866 
Dilutive effect of:
Employee stock options— 32 
Restricted stock372 295 543 
Shares used to compute diluted earnings per common share120,826 120,869 124,441 
Basic earnings per common share$9.87 $10.01 $20.09 
Diluted earnings per common share$9.84 $9.98 $20.00 
Number of antidilutive stock options and restricted stock awards
    excluded from computation
895 814 207 

Historical Timeline

Fiscal YearFiled
2025Feb 19, 2026Showing above
2018Feb 21, 2019

About Earnings Per Share Disclosures

The earnings per share disclosure breaks down the calculation from net income to both basic and diluted EPS, revealing the full impact of a company's capital structure on per-share economics. The reconciliation between basic and diluted share counts exposes how many stock options, RSUs, convertible securities, and warrants are potentially dilutive to existing shareholders.

Key signals: a widening gap between basic and diluted shares indicates growing dilution from equity compensation or convertible instruments. Anti-dilutive securities excluded from the diluted calculation deserve attention — they represent latent dilution that will materialize if the stock price rises. Watch for the effect of share buybacks on per-share metrics: EPS growth driven primarily by repurchases rather than income growth signals weakening fundamentals. Compare year-over-year changes in the diluted share count against equity compensation expense to assess whether management is effectively managing dilution.