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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 26 | 63.7 | 14.3 |
| EBITDA Growth (%) | 16.8 | 54.1 | 69.3 |
| Free Cash Flow Growth (%) | 13.4 | 45.5 | 96.4 |
| Book Value Growth (%) | -3.4 | -3.4 | -16.5 |
See this page for the explanation of the data and charts
* All numbers are in millions except for per share data
| Per Share Data | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Revenue per Share ($) | 14.77 |
15.93 |
16.23 |
17.38 |
18.23 |
18.53 |
19.52 |
85.96 |
87.62 |
103 |
104 |
28.18 |
21.61 |
27.35 |
25.79 |
29.66 |
| EBITDA per Share | 3.28 |
3.93 |
3.77 |
3.65 |
3.76 |
2.78 |
3.31 |
17.93 |
6.58 |
17.11 |
15.41 |
9.90 |
-1.30 |
5.06 |
3.42 |
8.23 |
| Free Cashflow per Share | 3.14 |
3.09 |
3.52 |
4.07 |
4.00 |
2.46 |
2.86 |
12.09 |
6.34 |
10.78 |
11.86 |
1.34 |
2.22 |
3.26 |
3.98 |
2.40 |
| Earnings per Share ($) | 2.81 |
3.21 |
3.34 |
3.13 |
3.43 |
1.19 |
1.89 |
2.85 |
3.08 |
2.99 |
3.01 |
0.67 |
0.80 |
0.96 |
0.56 |
0.69 |
| Dividends Per Share | 0.79 |
0.97 |
1.34 |
1.48 |
1.64 |
1.77 |
1.83 |
1.96 |
2.10 |
2.25 |
2.29 |
0.55 |
0.55 |
0.55 |
0.59 |
0.59 |
| Book Value per Share | 16.40 |
17.97 |
18.45 |
17.80 |
16.93 |
13.66 |
15.72 |
16.03 |
14.19 |
11.99 |
12.01 |
14.39 |
14.27 |
14.65 |
12.07 |
12.01 |
| Month End Stock Price | 42.38 |
52.57 |
53.20 |
57.98 |
51.89 |
37.63 |
39.02 |
65.47 |
78.16 |
69.22 |
75.53 |
77.94 |
71.61 |
64.27 |
69.22 |
75.53 |
| Ratios | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Return on Equity % | 17.20 |
17.90 |
18.10 |
17.60 |
20.30 |
8.70 |
12.00 |
17.80 |
21.60 |
24.90 |
23.20 |
18.40 |
22.40 |
26.00 |
18.80 |
23.20 |
| Return on Assets % | 7.30 |
7.60 |
7.50 |
6.70 |
7.40 |
2.60 |
4.10 |
1.10 |
1.20 |
1.00 |
0.80 |
0.80 |
1.20 |
1.20 |
0.80 |
0.80 |
| Debt to Equity | -- |
-- |
-- |
-- |
-- |
0.10 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Gross Margin % | 41.20 |
39.10 |
36.90 |
34.50 |
33.30 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Operating Margin % | 21.80 |
21.20 |
19.90 |
17.60 |
17.80 |
11.40 |
13.60 |
20.40 |
7.40 |
16.30 |
27.80 |
35.10 |
-6.00 |
18.50 |
12.00 |
27.80 |
| Net Margin % | 19.00 |
20.20 |
20.50 |
18.00 |
18.80 |
6.40 |
9.70 |
3.30 |
3.50 |
2.90 |
2.40 |
2.40 |
3.70 |
3.50 |
2.20 |
2.40 |
| Debt to Revenue | -- |
-- |
-- |
-- |
-- |
0.08 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Asset Turnover | 0.38 |
0.38 |
0.36 |
0.37 |
0.39 |
0.41 |
0.42 |
0.34 |
0.34 |
0.36 |
0.10 |
0.10 |
0.08 |
0.09 |
0.09 |
0.10 |
| Dividend Payout Ratio | 0.28 |
0.30 |
0.40 |
0.47 |
0.48 |
1.48 |
0.97 |
0.69 |
0.68 |
0.75 |
0.85 |
0.83 |
0.69 |
0.58 |
1.05 |
0.85 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Total Premiums Earned | 192 |
208 |
216 |
214 |
208 |
207 |
209 |
3,987 |
4,214 |
4,493 |
4,581 |
1,087 |
1,109 |
1,137 |
1,160 |
1,175 |
| Net Investment Income | 58.30 |
60.99 |
61.56 |
55.92 |
52.83 |
44.18 |
41.73 |
433 |
433 |
438 |
433 |
108 |
113 |
105 |
112 |
103 |
| Fees and Other Income | 799 |
854 |
848 |
864 |
872 |
823 |
869 |
470 |
177 |
581 |
549 |
325 |
-62.00 |
218 |
100.00 |
293 |
| Revenue | 1,049 |
1,123 |
1,125 |
1,134 |
1,132 |
1,074 |
1,120 |
4,890 |
4,824 |
5,512 |
5,563 |
1,520 |
1,160 |
1,460 |
1,372 |
1,571 |
| Selling, General, &Admin. Expense | -- |
-- |
-- |
-- |
-- |
765 |
769 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Policyholder Benefits & Claims | 153 |
153 |
140 |
140 |
126 |
137 |
145 |
2,900 |
3,444 |
3,480 |
3,606 |
716 |
943 |
912 |
909 |
842 |
| Policy Acquisition Expense | 51.11 |
47.21 |
50.11 |
52.05 |
48.91 |
49.22 |
54.03 |
969 |
1,022 |
1,133 |
1,156 |
270 |
287 |
278 |
298 |
293 |
| Earnings Before DDA | 233 |
277 |
261 |
238 |
233 |
161 |
190 |
1,020 |
362 |
916 |
818 |
534 |
-70.00 |
270 |
182 |
436 |
| Depreciation, Depletion and Amortization | 4.29 |
38.98 |
36.86 |
38.70 |
31.36 |
38.41 |
37.99 |
21.00 |
4.00 |
17.00 |
17.00 |
-- |
-- |
-- |
17.00 |
-- |
| Operating Income | 228 |
238 |
224 |
200 |
202 |
123 |
152 |
999 |
358 |
899 |
801 |
534 |
-70.00 |
270 |
165 |
436 |
| Net Income | 200 |
226 |
231 |
204 |
213 |
69.24 |
108 |
162 |
169 |
160 |
161 |
36.00 |
43.00 |
51.00 |
30.00 |
37.00 |
| Earnings per Share ($) | 2.81 |
3.21 |
3.34 |
3.13 |
3.43 |
1.19 |
1.89 |
2.85 |
3.08 |
2.99 |
3.01 |
0.67 |
0.80 |
0.96 |
0.56 |
0.69 |
| Total Shares Outstanding | 71.00 |
70.49 |
69.29 |
65.26 |
62.10 |
57.97 |
57.39 |
56.89 |
55.06 |
53.55 |
52.96 |
53.93 |
53.68 |
53.38 |
53.20 |
52.96 |
| Balance Sheet | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Fixed Maturity Investment | 879 |
975 |
972 |
837 |
703 |
597 |
706 |
9,877 |
10,175 |
8,159 |
8,312 |
7,977 |
8,079 |
8,170 |
8,159 |
8,312 |
| Equity Investments | 189 |
203 |
266 |
251 |
218 |
55.28 |
37.73 |
594 |
589 |
1,000 |
992 |
1,734 |
631 |
653 |
1,000 |
992 |
| Short-term investments | -- |
-- |
-- |
-- |
-- |
33.34 |
-- |
-- |
-- |
2,417 |
2,662 |
2,625 |
2,518 |
2,669 |
2,417 |
2,662 |
| Net Loan | 5.18 |
5.04 |
4.89 |
4.73 |
4.56 |
1.22 |
1.12 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash and cash equivalents | 87.19 |
50.06 |
31.67 |
60.24 |
31.07 |
61.07 |
76.51 |
430 |
185 |
400 |
388 |
199 |
240 |
404 |
400 |
388 |
| Accounts Receivable | 1,154 |
1,296 |
1,310 |
1,339 |
272 |
488 |
475 |
942 |
976 |
1,062 |
1,113 |
1,000 |
1,073 |
1,100 |
1,062 |
1,113 |
| Deferred Policy Acquisition Costs | 16.76 |
17.11 |
16.44 |
16.20 |
16.13 |
16.53 |
17.23 |
467 |
487 |
504 |
510 |
482 |
500 |
505 |
504 |
510 |
| Property, Plant and Equipment | 13.87 |
13.58 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Total Assets | 2,755 |
2,980 |
3,101 |
3,039 |
2,879 |
2,613 |
2,667 |
14,344 |
14,348 |
15,441 |
15,791 |
14,832 |
15,042 |
15,544 |
15,441 |
15,791 |
| Unpaid Loss & Loss Reserve | 846 |
943 |
1,019 |
1,074 |
1,027 |
965 |
965 |
3,584 |
3,499 |
3,598 |
3,628 |
3,451 |
3,613 |
3,598 |
3,598 |
3,628 |
| Unearned Premiums | 450 |
473 |
454 |
424 |
421 |
424 |
434 |
2,082 |
2,178 |
2,365 |
2,399 |
2,196 |
2,331 |
2,420 |
2,365 |
2,399 |
| Future Policy Benefits | -- |
-- |
-- |
-- |
-- |
-- |
-- |
1,603 |
1,671 |
1,708 |
1,726 |
1,689 |
1,706 |
1,721 |
1,708 |
1,726 |
| Current Portion of Long-Term Debt | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other liabilities | 96.11 |
48.36 |
113 |
212 |
216 |
150 |
157 |
6,163 |
6,219 |
7,128 |
7,402 |
6,720 |
6,626 |
7,023 |
7,128 |
7,402 |
| Long-Term Debt | -- |
-- |
-- |
-- |
-- |
81.27 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Total Liabilities | 1,590 |
1,713 |
1,823 |
1,878 |
1,827 |
1,822 |
1,765 |
13,432 |
13,567 |
14,799 |
15,155 |
14,056 |
14,276 |
14,762 |
14,799 |
15,155 |
| Common Stock | 2.17 |
2.17 |
2.17 |
2.17 |
2.17 |
1.99 |
1.99 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
| Retained Earnings | 1,190 |
1,354 |
1,502 |
1,619 |
1,740 |
1,729 |
1,749 |
1,827 |
1,894 |
1,852 |
1,861 |
1,904 |
1,920 |
1,945 |
1,852 |
1,861 |
| Additional Paid-In Capital | 7.83 |
7.83 |
7.83 |
7.83 |
7.83 |
7.83 |
8.01 |
8.00 |
16.00 |
16.00 |
16.00 |
16.00 |
16.00 |
16.00 |
16.00 |
16.00 |
| Treasury Stock | -102 |
-156 |
-255 |
-472 |
-709 |
-811 |
-814 |
-872 |
-1,026 |
-1,095 |
-1,109 |
-1,043 |
-1,069 |
-1,080 |
-1,095 |
-1,109 |
| Total Equity | 1,164 |
1,267 |
1,279 |
1,162 |
1,051 |
792 |
902 |
912 |
781 |
642 |
636 |
776 |
766 |
782 |
642 |
636 |
| Cashflow Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Income | 200 |
226 |
-- |
204 |
-- |
69.24 |
108 |
660 |
268 |
619 |
619 |
-- |
-- |
-- |
619 |
-- |
| Depreciation, Depletion and Amortization | 4.29 |
38.98 |
36.86 |
38.70 |
31.36 |
38.41 |
37.99 |
21.00 |
4.00 |
17.00 |
17.00 |
-- |
-- |
-- |
17.00 |
-- |
| Cash Flow from Others | 21.33 |
-44.81 |
210 |
27.72 |
217 |
43.19 |
33.69 |
40.00 |
88.00 |
-59.00 |
-4.00 |
72.00 |
119 |
174 |
-424 |
127 |
| Cash Flow from Operations | 225 |
221 |
247 |
270 |
248 |
151 |
180 |
721 |
360 |
577 |
632 |
72.00 |
119 |
174 |
212 |
127 |
| Investment for Property, Plant & Equipement | -2.66 |
-2.69 |
-2.66 |
-4.94 |
-- |
-8.28 |
-16.25 |
-33.00 |
-11.00 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | -150 |
-149 |
-162 |
61.58 |
50.14 |
73.48 |
-68.64 |
-405 |
-375 |
-85.00 |
-196 |
-22.00 |
-35.00 |
23.00 |
-51.00 |
-133 |
| Net Issuance of Stock | -- |
-54.05 |
-- |
-217 |
-237 |
-102 |
-3.14 |
-57.00 |
-155 |
-70.00 |
-67.00 |
-18.00 |
-26.00 |
-11.00 |
-15.00 |
-15.00 |
| Net Issuance of Debt | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-35.00 |
-16.00 |
-93.00 |
-92.00 |
-21.00 |
-21.00 |
-24.00 |
-27.00 |
-20.00 |
| Cash Flow for Dividends | -49.02 |
-55.12 |
-49.02 |
-86.09 |
-91.06 |
-92.30 |
-92.95 |
-98.00 |
-102 |
-229 |
-202 |
-27.00 |
-26.00 |
-27.00 |
-149 |
-- |
| Other Financing | -25.00 |
-0.00 |
-25.00 |
-- |
0.00 |
0.00 |
-- |
70.00 |
43.00 |
115 |
114 |
30.00 |
30.00 |
29.00 |
26.00 |
29.00 |
| Cash Flow from Financing | -74.02 |
-109 |
-74.02 |
-303 |
-328 |
-194 |
-96.09 |
-120 |
-230 |
-277 |
-247 |
-36.00 |
-43.00 |
-33.00 |
-165 |
-6.00 |
| Net Change in Cash | 1.48 |
-37.13 |
10.52 |
28.58 |
-29.17 |
30.00 |
15.43 |
196 |
-245 |
215 |
189 |
14.00 |
41.00 |
164 |
-4.00 |
-12.00 |
| Free Cash Flow | 223 |
218 |
244 |
266 |
248 |
143 |
164 |
688 |
349 |
577 |
632 |
72.00 |
119 |
174 |
212 |
127 |
| Valuation Ratios (Daily) | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| PE Ratio(ttm) | ![]() |
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| Price to Tangible Book | ![]() |
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| Price-to-Free-Cash-Flow ratio | ![]() |
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| PS Ratio | ![]() |
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| EV-to-Revenue | ![]() |
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| EV-to-EBITDA | ![]() |
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| EV-to-EBIT | ![]() |
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| Earnings Yield (Joel Greenblatt) | ![]() |
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| Forward Rate of Return | ![]() |
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| Shiller PE Ratio | ![]() |
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| Valuation and Quality | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Market Cap | ![]() |
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| Enterprise Value | ![]() |
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| Month End Stock Price | ![]() |
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| Net Cash (per share) | ![]() |
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| Net Current Asset Value (per share) | ![]() |
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| DCF (per share) | ![]() |
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| Median PS (per share) | ![]() |
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| Peter Lynch Fair Value (per share) | ![]() |
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| Graham Number (per share) | ![]() |
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| Altman Z-Score | ![]() |
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| Piotroski F-Score | ![]() |
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