U.S. Bancorp USB NYSE

U.S. Bancorp (USB) generated $7.97B in operating cash flow for fiscal year 2025. After capital expenditures of $0.00, free cash flow was $7.97B.

Free cash flow margin was 18.6% of revenue. Cash conversion ratio was 1.05x, indicating earnings are backed by cash.

The company returned $3.17B in dividends and $489M in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (17/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (69/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (70/100) — Cash conversion ratio was 1.05x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 63/100 with 4/7 criteria passed.