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Consumer Defensive - Discount Stores - NASDAQ - US
$ 907.07
-1.82 %
$ 402 B
Market Cap
54.64
P/E
1. INTRINSIC VALUE

Costco Wholesale Corporation, together with its subsidiaries, engages in the operation of membership warehouses in the United States, Puerto Rico, Canada, the United Kingdom, Mexico, Japan, Korea, Australia, Spain, France, Iceland, China, and Taiwan. It offers branded and private-label products in a range of merchandise categories. The company offers sundries, dry groceries, candies, coolers, freezers, liquor, and tobacco and deli products; appliances, electronics, health and beauty aids, hardware, garden and patio products, sporting goods, tires, toys and seasonal products, office supplies, automotive care products, postages, tickets, apparel, small appliances, furniture, domestics, housewares, special order kiosks, and jewelry; and meat, produce, service deli, and bakery products.[ Read More ]

The intrinsic value of one COST stock under the base case scenario is HIDDEN Compared to the current market price of 907 USD, Costco Wholesale Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart COST

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FINANCIALS
254 B REVENUE
5.02%
9.28 B OPERATING INCOME
14.43%
7.37 B NET INCOME
17.09%
11.3 B OPERATING CASH FLOW
2.45%
-4.41 B INVESTING CASH FLOW
11.32%
-10.8 B FINANCING CASH FLOW
-311.78%
79.7 B REVENUE
36.20%
3.04 B OPERATING INCOME
38.46%
2.35 B NET INCOME
40.04%
2.96 B OPERATING CASH FLOW
-1.37%
-1.7 B INVESTING CASH FLOW
-78.51%
-1.82 B FINANCING CASH FLOW
-160.17%
Balance Sheet Decomposition Costco Wholesale Corporation
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Current Assets 34.2 B
Cash & Short-Term Investments 11.1 B
Receivables 2.72 B
Other Current Assets 20.4 B
Non-Current Assets 35.6 B
Long-Term Investments 0
PP&E 31.6 B
Other Non-Current Assets 3.94 B
Current Liabilities 35.5 B
Accounts Payable 19.4 B
Short-Term Debt 103 M
Other Current Liabilities 15.9 B
Non-Current Liabilities 10.7 B
Long-Term Debt 8.17 B
Other Non-Current Liabilities 2.58 B
EFFICIENCY
Earnings Waterfall Costco Wholesale Corporation
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Revenue 254 B
Cost Of Revenue 222 B
Gross Profit 32.1 B
Operating Expenses 22.8 B
Operating Income 9.28 B
Other Expenses 1.92 B
Net Income 7.37 B
RATIOS
12.61% GROSS MARGIN
12.61%
3.65% OPERATING MARGIN
3.65%
2.90% NET MARGIN
2.90%
31.19% ROE
31.19%
10.55% ROA
10.55%
23.79% ROIC
23.79%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Costco Wholesale Corporation
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Net Income 7.37 B
Depreciation & Amortization 2.24 B
Capital Expenditures -4.71 B
Stock-Based Compensation 818 M
Change in Working Capital 611 M
Others 1.05 B
Free Cash Flow 6.63 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Costco Wholesale Corporation
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Wall Street analysts predict an average 1-year price target for COST of $852 , with forecasts ranging from a low of $580 to a high of $1.06 K.
COST Lowest Price Target Wall Street Target
580 USD -36.06%
COST Average Price Target Wall Street Target
852 USD -6.06%
COST Highest Price Target Wall Street Target
1.06 K USD 17.41%
4. DIVIDEND ANALYSIS
0.13% DIVIDEND YIELD
1.16 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Costco Wholesale Corporation
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Sold
0-3 MONTHS
14.3 M USD 7
3-6 MONTHS
4.25 M USD 5
6-9 MONTHS
3.43 M USD 3
9-12 MONTHS
11.3 M USD 6
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
3 weeks ago
Oct 24, 2024
Sell 1.27 M USD
GALANTI RICHARD A
Executive Vice President
- 1416.461
894.6802 USD
3 weeks ago
Oct 23, 2024
Sell 717 K USD
Jones Teresa A.
Executive Vice President
- 800
896.545 USD
1 month ago
Oct 15, 2024
Sell 1.79 M USD
Riel Pierre
Executive Vice President
- 2000
896.713 USD
1 month ago
Oct 11, 2024
Sell 3.92 M USD
Miller Russell D
Sr. Executive Vice President
- 4400
891.152 USD
1 month ago
Sep 30, 2024
Sell 2.84 M USD
Adamo Claudine
Executive Vice President
- 3200
888.993 USD
1 month ago
Sep 30, 2024
Sell 2.23 M USD
Callans Patrick J
Executive Vice President
- 2500
893.94 USD
1 month ago
Sep 30, 2024
Sell 1.5 M USD
Frates Caton
Executive Vice President
- 1700
883.35 USD
3 months ago
Jul 25, 2024
Sell 3.33 K USD
Jones Teresa A.
Executive Vice President
- 4
832.5475 USD
3 months ago
Aug 13, 2024
Sell 432 K USD
GALANTI RICHARD A
Executive Vice President
- 500
863.875 USD
3 months ago
Aug 15, 2024
Sell 437 K USD
GALANTI RICHARD A
Executive Vice President
- 500
874.05 USD
3 months ago
Aug 15, 2024
Sell 543 K USD
DECKER SUSAN L
Director
- 620
876.5 USD
4 months ago
Jul 15, 2024
Sell 298 K USD
DENMAN KENNETH D
Director
- 350
851.53 USD
4 months ago
Jul 12, 2024
Sell 1.27 M USD
Hines Daniel M.
other: Principal Acctg Officer
- 1500
844.2 USD
4 months ago
Jul 15, 2024
Sell 1.27 M USD
Hines Daniel M.
other: Principal Acctg Officer
- 1500
848.5307 USD
7 months ago
Apr 17, 2024
Sell 567 K USD
Miller Russell D
Senior EVP
- 785
722.8573 USD
8 months ago
Mar 11, 2024
Sell 1.07 M USD
Adamo Claudine
Executive Vice President
- 1500
714.825 USD
8 months ago
Mar 11, 2024
Sell 1.79 M USD
Callans Patrick J
Executive VP
- 2500
714.86 USD
9 months ago
Feb 09, 2024
Sell 1.04 M USD
DECKER SUSAN L
Director
- 1442
723.479 USD
9 months ago
Jan 23, 2024
Sell 5.49 M USD
JELINEK W CRAIG
Director
- 8000
685.932 USD
10 months ago
Jan 18, 2024
Sell 1.7 M USD
Rubanenko Yoram
Executive VP
- 2500
680.325 USD
10 months ago
Jan 16, 2024
Sell 506 K USD
Frates Caton
Executive Vice President
- 740
683.4991 USD
10 months ago
Jan 09, 2024
Sell 927 K USD
Hines Daniel M.
- 1400
662.3 USD
10 months ago
Dec 28, 2023
Sell 928 K USD
Hines Daniel M.
- 1400
662.81 USD
10 months ago
Dec 19, 2023
Sell 756 K USD
GALANTI RICHARD A
Executive VP and CFO
- 1111.78
680.2139 USD
1 year ago
Nov 08, 2023
Sell 565 K USD
GALANTI RICHARD A
Executive VP and CFO
- 1000
564.8798 USD
1 year ago
Nov 08, 2023
Sell 567 K USD
GALANTI RICHARD A
Executive VP and CFO
- 1000
567.2987 USD
1 year ago
Nov 07, 2023
Sell 1.71 M USD
Riel Pierre
EVP
- 3000
571.115 USD
1 year ago
Nov 03, 2023
Sell 2.51 M USD
Miller Russell D
Senior EVP
- 4500
557.7476 USD
1 year ago
Oct 23, 2023
Sell 1.41 M USD
Adamo Claudine
Executive Vice President
- 2565
548.92 USD
1 year ago
Oct 11, 2023
Sell 843 K USD
Klauer James C
Executive Vice President
- 1500
562.0114 USD
1 year ago
Oct 10, 2023
Sell 1.13 M USD
GALANTI RICHARD A
Executive VP and CFO
- 2000
565.5654 USD
1 year ago
Oct 09, 2023
Sell 1.38 M USD
Callans Patrick J
Executive VP
- 2500
553.76 USD
1 year ago
Oct 06, 2023
Sell 675 K USD
Frates Caton
Executive Vice President
- 1200
562.6418 USD
1 year ago
Jun 28, 2023
Sell 834 K USD
DECKER SUSAN L
Director
- 1565
533 USD
1 year ago
Jun 13, 2023
Sell 783 K USD
GALANTI RICHARD A
Executive VP and CFO
- 1500
522.025 USD
1 year ago
Jun 07, 2023
Sell 1.03 M USD
DECKER SUSAN L
Director
- 2007
512.02 USD
1 year ago
Jun 07, 2023
Sell 266 K USD
DECKER SUSAN L
Director
- 519
513 USD
1 year ago
Jun 07, 2023
Sell 748 K USD
DECKER SUSAN L
Director
- 1445
517.5 USD
1 year ago
Apr 11, 2023
Sell 298 K USD
Frates Caton
Executive Vice President
- 600
497.3465 USD
1 year ago
Mar 14, 2023
Sell 1 M USD
GALANTI RICHARD A
Executive VP and CFO
- 2068
483.32 USD
1 year ago
Mar 07, 2023
Sell 733 K USD
Miller Russell D
Senior EVP
- 1500
488.9533 USD
1 year ago
Mar 06, 2023
Sell 1.95 M USD
Vachris Roland Michael
President and COO
- 4100
476.2923 USD
1 year ago
Jan 27, 2023
Sell 1.26 M USD
Klauer James C
Executive Vice President
- 2500
503.69 USD
1 year ago
Dec 12, 2022
Sell 460 K USD
DECKER SUSAN L
Director
- 952
483 USD
2 years ago
Nov 04, 2022
Sell 484 K USD
Miller Russell D
Executive Vice President
- 1000
483.5778 USD
2 years ago
Oct 26, 2022
Sell 992 K USD
Adamo Claudine
Executive Vice President
- 2000
495.9734 USD
2 years ago
Oct 25, 2022
Sell 716 K USD
GALANTI RICHARD A
Executive VP and CFO
- 1500
477.6467 USD
2 years ago
Oct 07, 2022
Sell 942 K USD
GALANTI RICHARD A
Executive VP and CFO
- 2000
471.1232 USD
2 years ago
Jul 20, 2022
Sell 788 K USD
Murphy James P.
Executive VP
- 1500
525.1984 USD
2 years ago
Jul 15, 2022
Sell 157 K USD
DENMAN KENNETH D
director:
- 300
521.6762 USD
2 years ago
Jul 14, 2022
Sell 506 K USD
GALANTI RICHARD A
Executive VP and CFO
- 1000
505.5967 USD
2 years ago
Jun 22, 2022
Sell 1.16 M USD
Murphy James P.
Executive VP
- 2500
464 USD
2 years ago
Jun 07, 2022
Bought 400 K USD
Wilderotter Mary Agnes
director:
+ 850
470.735 USD
2 years ago
Apr 08, 2022
Sell 301 K USD
Adamo Claudine
Executive Vice President
- 500
602.03 USD
2 years ago
Apr 08, 2022
Sell 2.71 M USD
Hines Daniel M.
director:
- 4498
603.0016 USD
2 years ago
Mar 29, 2022
Sell 2.27 M USD
Rose Timothy L.
Executive VP
- 4000
566.2862 USD
2 years ago
Mar 23, 2022
Sell 139 K USD
DENMAN KENNETH D
director:
- 250
554.675 USD
2 years ago
Jan 27, 2022
Sell 1.63 M USD
Vachris Roland Michael
Executive VP
- 3318
492.4455 USD
2 years ago
Dec 21, 2021
Bought 500 K USD
Wilderotter Mary Agnes
Director
+ 925
540.1292 USD
2 years ago
Dec 15, 2021
Sell 338 K USD
GALANTI RICHARD A
Executive VP and CFO
- 600
563.5219 USD
2 years ago
Dec 15, 2021
Sell 891 K USD
GALANTI RICHARD A
Executive VP and CFO
- 1618
550.5882 USD
2 years ago
Dec 13, 2021
Sell 2.22 M USD
Miller Russell D
Executive Vice President
- 4000
556.0226 USD
2 years ago
Dec 13, 2021
Sell 2.8 M USD
Murphy James P.
Executive VP
- 5000
559.3231 USD
2 years ago
Dec 13, 2021
Sell 2.2 M USD
Rubananko Yoram
Executive VP
- 4000
550.7211 USD
2 years ago
Dec 13, 2021
Sell 1.37 M USD
Callans Patrick J
Executive VP
- 2500
549.03 USD
3 years ago
Aug 13, 2021
Sell 1.46 M USD
PORTERA JOSEPH P
Executive VP
- 3287
445.5 USD
3 years ago
Jul 12, 2021
Sell 1.64 M USD
Vachris Roland Michael
Executive VP
- 4000
409.4027 USD
3 years ago
Jun 28, 2021
Sell 1.58 M USD
Rose Timothy L.
Executive VP
- 4000
396.1401 USD
3 years ago
Jun 14, 2021
Sell 1.9 M USD
Klauer James C
Executive Vice President
- 5000
380.53 USD
3 years ago
Jun 07, 2021
Sell 961 K USD
Callans Patrick J
Executive VP
- 2500
384.31 USD
3 years ago
Apr 29, 2021
Sell 830 K USD
GALANTI RICHARD A
Executive VP and CFO
- 2230
372.0554 USD
3 years ago
Mar 22, 2021
Sell 1.44 M USD
Vachris Roland Michael
Executive VP
- 4300
334.2969 USD
3 years ago
Jan 27, 2021
Sell 143 K USD
DECKER SUSAN L
Director
- 393
364 USD
3 years ago
Jan 27, 2021
Sell 109 K USD
DECKER SUSAN L
Director
- 301
362.5 USD
3 years ago
Jan 13, 2021
Sell 197 K USD
DECKER SUSAN L
Director
- 539
365.15 USD
3 years ago
Jan 13, 2021
Sell 36.5 K USD
DECKER SUSAN L
Director
- 100
365.18 USD
3 years ago
Jan 13, 2021
Sell 206 K USD
DECKER SUSAN L
Director
- 560
368 USD
3 years ago
Jan 08, 2021
Sell 3.3 M USD
MOULTON PAUL G
Executive VP
- 9015
366.5031 USD
3 years ago
Dec 30, 2020
Sell 374 K USD
GALANTI RICHARD A
Executive VP and CFO
- 1000
374.4944 USD
3 years ago
Dec 30, 2020
Sell 324 K USD
DECKER SUSAN L
Director
- 861
375.75 USD
3 years ago
Dec 21, 2020
Sell 363 K USD
DECKER SUSAN L
Director
- 1000
362.59 USD
3 years ago
Dec 14, 2020
Sell 937 K USD
Callans Patrick J
Executive VP
- 2500
374.645 USD
3 years ago
Dec 14, 2020
Sell 1.89 M USD
Miller Russell D
Executive Vice President
- 5000
377.2433 USD
4 years ago
Sep 30, 2020
Sell 107 K USD
DENMAN KENNETH D
Director
- 300
355.685 USD
4 years ago
Sep 29, 2020
Sell 2.09 M USD
PORTERA JOSEPH P
Executive VP
- 6000
348 USD
4 years ago
Sep 28, 2020
Sell 870 K USD
DECKER SUSAN L
Director
- 2500
347.9 USD
4 years ago
Aug 21, 2020
Sell 605 K USD
GALANTI RICHARD A
Executive VP and CFO
- 1754
345.0008 USD
4 years ago
Aug 13, 2020
Sell 420 K USD
DECKER SUSAN L
Director
- 1250
335.835 USD
4 years ago
Aug 14, 2020
Sell 422 K USD
DECKER SUSAN L
Director
- 1250
338 USD
4 years ago
Aug 07, 2020
Sell 1.37 M USD
Klauer James C
Executive Vice President
- 4000
342.7201 USD
4 years ago
Jul 14, 2020
Sell 1.63 M USD
Murphy James P.
Executive VP
- 5000
326 USD
4 years ago
Jul 13, 2020
Sell 327 K USD
DECKER SUSAN L
Director
- 1000
326.7 USD
4 years ago
Jul 13, 2020
Sell 326 K USD
DECKER SUSAN L
Director
- 1000
326.5 USD
4 years ago
Jul 10, 2020
Sell 887 K USD
GALANTI RICHARD A
Executive VP and CFO
- 2730
325.0689 USD
4 years ago
Jul 02, 2020
Sell 211 K USD
DECKER SUSAN L
Director
- 685
308.5 USD
4 years ago
Jul 01, 2020
Sell 349 K USD
DECKER SUSAN L
Director
- 1155
302.5743 USD
4 years ago
Jun 19, 2020
Sell 1.2 M USD
Vachris Roland Michael
Executive VP
- 4000
300.9516 USD
4 years ago
Jun 11, 2020
Sell 1.85 M USD
Rose Timothy L.
Executive VP
- 6000
308.0508 USD
4 years ago
Jun 05, 2020
Sell 622 K USD
DECKER SUSAN L
Director
- 1995
312 USD
4 years ago
Jun 05, 2020
Sell 1.55 M USD
Hines Daniel M.
- 5000
309.305 USD
4 years ago
Jun 05, 2020
Sell 773 K USD
Callans Patrick J
Executive VP
- 2500
309.22 USD
4 years ago
Apr 22, 2020
Sell 1.55 M USD
Murphy James P.
Executive VP
- 5000
310 USD
4 years ago
Apr 20, 2020
Sell 315 K USD
DECKER SUSAN L
Director
- 1000
314.826 USD
4 years ago
Mar 20, 2020
Sell 297 K USD
DECKER SUSAN L
Director
- 1000
297 USD
4 years ago
Mar 19, 2020
Sell 444 K USD
GALANTI RICHARD A
Executive VP and CFO
- 1448
306.5146 USD
4 years ago
Jan 14, 2020
Sell 1.16 M USD
DECKER SUSAN L
Director
- 3850
300.4069 USD
4 years ago
Dec 17, 2019
Sell 1.77 M USD
Vachris Roland Michael
Executive VP
- 6000
295.2158 USD
4 years ago
Dec 16, 2019
Sell 588 K USD
Callans Patrick J
Executive VP
- 2000
293.9934 USD
5 years ago
Nov 15, 2019
Sell 516 K USD
DECKER SUSAN L
Director
- 1703
303.0137 USD
5 years ago
Nov 13, 2019
Sell 601 K USD
GALANTI RICHARD A
Executive VP and CFO
- 1984
302.804 USD
5 years ago
Nov 08, 2019
Sell 303 K USD
Miller Russell D
Executive Vice President
- 1000
302.8327 USD
5 years ago
Nov 08, 2019
Sell 1.21 M USD
MOULTON PAUL G
Executive VP
- 3978
303.0481 USD
5 years ago
Oct 30, 2019
Sell 4.22 M USD
PORTERA JOSEPH P
Executive VP
- 14095
299.52 USD
5 years ago
Oct 30, 2019
Sell 508 K USD
LIBENSON RICHARD M
Director
- 1703
298.2465 USD
5 years ago
Oct 23, 2019
Sell 1.49 M USD
Hines Daniel M.
- 5000
298.4568 USD
7. News
This Market-Crushing Stock Is Still a Top Buy This Market-Crushing Stock Is Still a Top Buy fool.com - 1 day ago
Is Costco Wholesale (COST) Outperforming Other Retail-Wholesale Stocks This Year? Here is how Costco (COST) and Deckers (DECK) have performed compared to their sector so far this year. zacks.com - 2 days ago
Is Costco (COST) a Buy as Wall Street Analysts Look Optimistic? The recommendations of Wall Street analysts are often relied on by investors when deciding whether to buy, sell, or hold a stock. Media reports about these brokerage-firm-employed (or sell-side) analysts changing their ratings often affect a stock's price. zacks.com - 2 days ago
Here is What to Know Beyond Why Costco Wholesale Corporation (COST) is a Trending Stock Costco (COST) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock. zacks.com - 2 days ago
Mushkin: Amazon, Walmart, and Costco are taking an enormous amount of share Scott Mushkin, CEO of R5 Capital, highlights strong retail spending, with Amazon, Walmart, and Costco leading the market. He favors Walmart for its margin potential and Amazon for AWS growth, while cautioning about challenges in hard-line retail due to rising interest rates and deflation. youtube.com - 2 days ago
Costco Just Paid Investors: Here's How Much They Received 24/7 Wall St. Insights Costco Wholesale Corp. (NASDAQ: COST) just rewarded its shareholders again with a quarterly dividend. 247wallst.com - 2 days ago
Calls of the Day: Live Nation, Netflix, Costco and Oil stocks The Investment Committee's debate the latest Calls of The Day. youtube.com - 2 days ago
Costco Stock Pullback Offers Lower Entry Into Inflation Winner This long-term retail winner is also benefiting as stretched consumers continue to hunt for value. The post Costco Stock Pullback Offers Lower Entry Into Inflation Winner appeared first on Investor's Business Daily. investors.com - 2 days ago
How Much Will Costco Pay Out in Dividends in 2025? Costco rewards investors with dividends. fool.com - 4 days ago
3 Stocks With Special Dividends: Big Payouts for Savvy Investors Special dividends are an added potential benefit for shareholders in certain companies. These payments are separate from a stock's regular dividend, which is usually paid on a quarterly basis. marketbeat.com - 4 days ago
3 Unstoppable Dividend Growth Stocks and 1 ETF Perfect for a Passive-Income Portfolio These three time-tested dividend growth stocks and one low-cost ETF could power your passive income portfolio for decades. fool.com - 4 days ago
3 Reasons Why Growth Investors Shouldn't Overlook Costco (COST) Costco (COST) could produce exceptional returns because of its solid growth attributes. zacks.com - 4 days ago
8. Profile Summary

Costco Wholesale Corporation COST

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COUNTRY US
INDUSTRY Discount Stores
MARKET CAP $ 402 B
Dividend Yield 0.13%
Description Costco Wholesale Corporation, together with its subsidiaries, engages in the operation of membership warehouses in the United States, Puerto Rico, Canada, the United Kingdom, Mexico, Japan, Korea, Australia, Spain, France, Iceland, China, and Taiwan. It offers branded and private-label products in a range of merchandise categories. The company offers sundries, dry groceries, candies, coolers, freezers, liquor, and tobacco and deli products; appliances, electronics, health and beauty aids, hardware, garden and patio products, sporting goods, tires, toys and seasonal products, office supplies, automotive care products, postages, tickets, apparel, small appliances, furniture, domestics, housewares, special order kiosks, and jewelry; and meat, produce, service deli, and bakery products. It also operates pharmacies, opticals, food courts, hearing-aid centers, and tire installation centers, as well as 636 gas stations; and offers business delivery, travel, same-day grocery, and various other services online in various countries. As of August 29, 2021, the company operated 815 membership warehouses, including 564 in the United States and Puerto Rico, 105 in Canada, 39 in Mexico, 30 in Japan, 29 in the United Kingdom, 16 in South Korea, 14 in Taiwan, 12 in Australia, 3 in Spain, 1 in Iceland, 1 in France, and 1 in China. It also operates e-commerce websites in the United States, Canada, the United Kingdom, Mexico, South Korea, Taiwan, Japan, and Australia. The company was formerly known as Costco Companies, Inc. and changed its name to Costco Wholesale Corporation in August 1999. Costco Wholesale Corporation was founded in 1976 and is based in Issaquah, Washington.
Contact 999 Lake Drive, Issaquah, WA, 98027 https://www.costco.com
IPO Date July 9, 1986
Employees 333000
Officers Mr. Richard A. Galanti Executive Vice President & Director Mr. Ron M. Vachris President, Chief Executive Officer & Director Sheri Flies Senior Vice President of Global Sustainability & Compliance Mr. Pierre Riel Executive Vice President & Chief Operating Officer of International Division Mr. Russell D. Miller Senior EVice President and Chief Operating Officer of Warehouse Operations - U.S. & Mexico Mr. David Sherwood Vice President of Finance & Investor Relations Mr. Gary Millerchip Executive Vice President & Chief Financial Officer Mr. John Sullivan Executive Vice President, General Counsel & Corporate Secretary Mr. Patrick J. Callans Executive Vice President of Administration Mr. Javier Polit Executive Vice President and Chief Information & Digital Officer