Zions Bancorporation, National Association
ZIONFinancial Statements
Income Statement (Annual)
Amounts in millions
2024
12/31/2024
Revenue
4,993
Cost of Revenue
1,935
Gross Profit
3,058
Gross Margin
61.2%
Operating Income
1,012
Operating Margin
20.3%
Net Income
784
Net Margin
15.7%
EPS (Basic)
$4.95
EPS (Diluted)
$4.95
EBITDA
1,136
EBITDA Margin
22.8%
2023
12/31/2023
Revenue
4,624
Cost of Revenue
1,641
Gross Profit
2,983
Gross Margin
64.5%
Operating Income
886
Operating Margin
19.2%
Net Income
680
Net Margin
14.7%
EPS (Basic)
$4.35
EPS (Diluted)
$4.35
EBITDA
1,026
EBITDA Margin
22.2%
2022
12/31/2022
Revenue
3,337
Cost of Revenue
307
Gross Profit
3,030
Gross Margin
90.8%
Operating Income
1,152
Operating Margin
34.5%
Net Income
907
Net Margin
27.2%
EPS (Basic)
$5.80
EPS (Diluted)
$5.79
EBITDA
1,262
EBITDA Margin
37.8%
2021
12/31/2021
Revenue
2,970
Cost of Revenue
-217
Gross Profit
3,187
Gross Margin
107.3%
Operating Income
1,446
Operating Margin
48.7%
Net Income
1,129
Net Margin
38.0%
EPS (Basic)
$6.80
EPS (Diluted)
$6.79
EBITDA
1,432
EBITDA Margin
48.2%
2020
12/31/2020
Revenue
2,942
Cost of Revenue
566
Gross Profit
2,376
Gross Margin
80.8%
Operating Income
672
Operating Margin
22.8%
Net Income
539
Net Margin
18.3%
EPS (Basic)
$3.06
EPS (Diluted)
$3.03
EBITDA
758
EBITDA Margin
25.8%