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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 2.2 | 23.3 | -23.1 |
| EBITDA Growth (%) | 0 | 0 | -20.2 |
| Free Cash Flow Growth (%) | 2.7 | 1.4 | -21.3 |
| Book Value Growth (%) | -3.3 | -3.3 | -30.1 |
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 ($) | 5.46 |
5.67 |
5.48 |
5.83 |
6.20 |
2.22 |
7.03 |
6.74 |
7.48 |
6.12 |
5.74 |
1.79 |
1.88 |
1.42 |
1.24 |
1.20 |
| EBITDA per Share | 2.28 |
2.04 |
1.90 |
1.93 |
2.07 |
-2.98 |
-7.04 |
1.20 |
1.87 |
1.59 |
1.54 |
0.42 |
0.47 |
0.44 |
0.31 |
0.32 |
| Free Cashflow per Share | 1.83 |
1.49 |
1.40 |
2.08 |
2.04 |
1.55 |
1.72 |
2.89 |
3.03 |
1.25 |
2.47 |
0.47 |
0.94 |
0.61 |
-0.45 |
1.37 |
| Earnings per Share ($) | 1.08 |
1.09 |
1.04 |
1.10 |
1.21 |
-2.14 |
-7.95 |
0.36 |
0.81 |
0.79 |
0.81 |
0.19 |
0.23 |
0.19 |
0.19 |
0.20 |
| Dividends Per Share | 0.19 |
0.20 |
0.20 |
0.23 |
0.27 |
0.32 |
0.24 |
0.16 |
0.16 |
0.16 |
0.17 |
0.04 |
0.04 |
0.04 |
0.04 |
0.05 |
| Book Value per Share | 11.72 |
25.17 |
17.07 |
19.86 |
19.53 |
21.28 |
12.72 |
12.81 |
14.57 |
12.99 |
10.35 |
14.81 |
14.68 |
11.48 |
10.29 |
10.35 |
| Month End Stock Price | 21.75 |
19.97 |
18.50 |
16.72 |
12.90 |
7.75 |
6.30 |
5.78 |
6.19 |
8.39 |
8.96 |
7.73 |
8.00 |
8.43 |
8.39 |
8.96 |
| 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 % | 9.20 |
4.30 |
6.10 |
5.50 |
6.20 |
-10.00 |
-60.90 |
4.40 |
6.90 |
7.30 |
7.60 |
6.40 |
7.60 |
8.80 |
7.60 |
7.60 |
| Return on Assets % | 0.80 |
0.50 |
0.70 |
0.60 |
0.70 |
-1.00 |
-4.20 |
0.30 |
0.60 |
0.70 |
0.80 |
0.40 |
0.80 |
0.80 |
0.80 |
0.80 |
| Return on Capital - Joel Greenblatt % | -- |
76.40 |
98.30 |
45.50 |
55.70 |
-106 |
-- |
-- |
349 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 0.26 |
1.15 |
0.99 |
0.72 |
1.04 |
1.82 |
2.15 |
2.00 |
0.37 |
0.96 |
0.95 |
1.15 |
1.14 |
1.04 |
0.96 |
0.95 |
| Operating Margin % | 30.40 |
27.70 |
25.30 |
26.70 |
28.00 |
-148 |
-107 |
11.00 |
19.40 |
21.90 |
22.10 |
18.90 |
21.00 |
26.60 |
20.50 |
22.10 |
| Net Margin % | 19.80 |
19.20 |
19.00 |
18.90 |
19.50 |
-95.50 |
-110 |
8.40 |
13.50 |
15.50 |
16.30 |
13.40 |
14.70 |
18.10 |
15.70 |
16.30 |
| Debt to Revenue | 0.57 |
5.11 |
3.08 |
2.44 |
3.27 |
17.45 |
3.88 |
3.81 |
0.73 |
2.03 |
8.14 |
9.51 |
8.95 |
8.38 |
7.95 |
8.14 |
| Interest Exp. to Revenue % | 84.14 |
84.40 |
79.76 |
77.15 |
75.29 |
242 |
78.04 |
82.51 |
74.45 |
68.84 |
67.26 |
75.50 |
70.58 |
64.31 |
65.72 |
67.26 |
| Asset Turnover | 0.04 |
0.03 |
0.04 |
0.03 |
0.04 |
0.01 |
0.04 |
0.04 |
0.04 |
0.04 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-348 |
-- | -- |
-- |
-1,131 |
-- |
-- |
| Dividend Payout Ratio | 0.18 |
0.18 |
0.19 |
0.21 |
0.22 |
-- |
-- |
0.28 |
0.16 |
0.17 |
0.26 |
0.17 |
0.15 |
0.16 |
0.21 |
0.26 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 7.65 |
9.60 |
12.99 |
14.32 |
15.29 |
17.20 |
17.88 |
18.14 |
18.32 |
17.57 |
17.34 |
4.51 |
4.45 |
4.33 |
4.29 |
4.28 |
| Non Interest Income | 1.44 |
1.77 |
3.30 |
4.24 |
5.02 |
-10.08 |
5.03 |
3.84 |
6.29 |
7.96 |
8.58 |
1.46 |
1.86 |
2.40 |
2.24 |
2.08 |
| Revenue | 9.09 |
11.37 |
16.29 |
18.57 |
20.31 |
7.11 |
22.91 |
21.98 |
24.60 |
25.53 |
25.92 |
5.97 |
6.31 |
6.73 |
6.52 |
6.36 |
| Selling, General, &Admin. Expense | 3.58 |
4.59 |
6.63 |
7.22 |
7.76 |
8.53 |
9.71 |
10.35 |
10.86 |
12.23 |
12.48 |
2.93 |
3.05 |
3.06 |
3.18 |
3.18 |
| Credit Losses Provision | 0.17 |
0.25 |
0.33 |
0.53 |
0.49 |
2.13 |
3.10 |
1.88 |
1.42 |
0.50 |
0.42 |
0.23 |
0.07 |
0.12 |
0.08 |
0.15 |
| Other Expenses | 1.54 |
2.44 |
3.69 |
4.69 |
5.27 |
6.00 |
33.03 |
5.83 |
6.18 |
6.15 |
6.07 |
1.43 |
1.59 |
1.49 |
1.64 |
1.35 |
| Earnings Before DDA | 3.80 |
4.10 |
5.65 |
6.13 |
6.78 |
-9.54 |
-22.93 |
3.92 |
6.14 |
6.65 |
6.95 |
1.38 |
1.59 |
2.07 |
1.61 |
1.68 |
| Depreciation, Depletion and Amortization | 1.04 |
0.95 |
1.52 |
1.18 |
1.09 |
1.01 |
1.61 |
1.50 |
1.36 |
1.07 |
1.08 |
0.25 |
0.27 |
0.27 |
0.27 |
0.27 |
| Operating Income | 2.76 |
3.15 |
4.13 |
4.95 |
5.69 |
-10.55 |
-24.54 |
2.42 |
4.78 |
5.59 |
5.86 |
1.13 |
1.33 |
1.79 |
1.34 |
1.41 |
| Net Income | 1.80 |
2.19 |
3.09 |
3.50 |
3.97 |
-6.79 |
-25.23 |
1.85 |
3.32 |
3.97 |
4.21 |
0.80 |
0.93 |
1.22 |
1.02 |
1.04 |
| Preferred dividends | -- |
-- |
-- |
-- |
-- |
0.07 |
0.66 |
0.66 |
0.67 |
0.56 |
0.39 |
0.17 |
0.17 |
0.22 |
-- |
-- |
| Earnings per Share ($) | 1.08 |
1.09 |
1.04 |
1.10 |
1.21 |
-2.14 |
-7.95 |
0.36 |
0.81 |
0.79 |
0.81 |
0.19 |
0.23 |
0.19 |
0.19 |
0.20 |
| Total Shares Outstanding | 1.66 |
2.01 |
2.97 |
3.18 |
3.28 |
3.20 |
3.26 |
3.26 |
3.29 |
4.17 |
5.29 |
3.33 |
3.36 |
4.73 |
5.27 |
5.29 |
| 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 |
| Cash and cash equivalents | 9.15 |
10.20 |
11.79 |
10.07 |
9.49 |
9.39 |
20.39 |
26.22 |
16.11 |
18.30 |
31.11 |
23.79 |
28.29 |
19.77 |
18.30 |
31.11 |
| Money Market Investments | 17.34 |
9.13 |
1.08 |
17.75 |
4.20 |
2.98 |
0.46 |
0.24 |
0.38 |
0.41 |
0.73 |
0.44 |
0.26 |
0.61 |
0.41 |
0.73 |
| Net Loan | 119 |
184 |
219 |
272 |
306 |
328 |
339 |
325 |
323 |
337 |
333 |
330 |
325 |
328 |
337 |
333 |
| Securities & Investments | 58.95 |
196 |
176 |
177 |
175 |
227 |
188 |
189 |
201 |
206 |
218 |
197 |
197 |
211 |
206 |
218 |
| Property, Plant and Equipment | 7.98 |
14.31 |
15.98 |
20.96 |
19.70 |
19.38 |
18.67 |
18.03 |
17.48 |
17.26 |
17.20 |
17.36 |
17.45 |
17.30 |
17.26 |
17.20 |
| Intangible Assets | 0.76 |
27.62 |
27.02 |
30.41 |
29.74 |
29.88 |
1.50 |
0.88 |
0.94 |
4.82 |
0.68 |
0.88 |
0.83 |
0.78 |
4.82 |
0.68 |
| Other Assets | 1.54 |
14.42 |
16.25 |
20.37 |
20.73 |
32.86 |
37.54 |
39.30 |
34.61 |
19.02 |
24.47 |
31.80 |
30.07 |
29.62 |
19.02 |
24.47 |
| Total Assets | 215 |
456 |
467 |
548 |
566 |
650 |
606 |
599 |
594 |
603 |
626 |
602 |
598 |
606 |
603 |
626 |
| Total Deposits | 185 |
337 |
350 |
415 |
406 |
424 |
450 |
455 |
465 |
475 |
497 |
477 |
474 |
474 |
475 |
497 |
| Current Portion of Long-Term Debt | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Long-Term Debt | 5.16 |
58.10 |
50.16 |
45.37 |
66.49 |
124 |
88.95 |
83.68 |
17.91 |
51.81 |
51.80 |
56.77 |
56.41 |
56.41 |
51.81 |
51.80 |
| Other liabilities | 5.10 |
10.08 |
16.93 |
24.54 |
29.28 |
34.13 |
25.86 |
18.20 |
63.49 |
21.96 |
22.26 |
18.55 |
18.29 |
21.19 |
21.96 |
22.26 |
| Total Liabilities | 196 |
405 |
417 |
485 |
502 |
582 |
564 |
557 |
546 |
549 |
571 |
552 |
549 |
552 |
549 |
571 |
| Common Stock | 1.60 |
2.79 |
2.85 |
3.27 |
3.21 |
3.23 |
3.25 |
3.27 |
3.31 |
5.23 |
5.29 |
3.31 |
3.35 |
5.22 |
5.23 |
5.29 |
| Preferred Stock | -- |
-- |
-- |
-- |
-- |
10.85 |
10.94 |
11.04 |
11.14 |
-- |
-- | 11.16 |
11.19 |
0.75 |
-- |
-- |
| Retained Earnings | 4.91 |
6.71 |
9.24 |
12.03 |
14.56 |
6.26 |
-20.40 |
-19.73 |
-17.60 |
-14.92 |
-14.14 |
-17.10 |
-16.48 |
-15.73 |
-14.92 |
-14.14 |
| Additional Paid-In Capital | 12.86 |
41.83 |
42.35 |
49.70 |
48.62 |
48.73 |
48.87 |
48.96 |
49.17 |
61.62 |
62.13 |
49.18 |
49.44 |
61.38 |
61.62 |
62.13 |
| Total Equity | 19.51 |
50.46 |
50.77 |
63.21 |
64.00 |
68.16 |
41.44 |
41.80 |
47.90 |
54.18 |
54.77 |
49.31 |
49.30 |
54.28 |
54.18 |
54.77 |
| 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 | 1.80 |
2.19 |
3.09 |
3.50 |
3.97 |
-6.79 |
-25.23 |
1.85 |
3.32 |
3.97 |
4.21 |
0.80 |
0.93 |
1.22 |
1.02 |
1.04 |
| Depreciation, Depletion and Amortization | 1.04 |
0.95 |
1.52 |
1.18 |
1.09 |
1.01 |
1.61 |
1.50 |
1.36 |
1.07 |
1.08 |
0.25 |
0.27 |
0.27 |
0.27 |
0.27 |
| Cash Flow from Others | 0.21 |
-0.15 |
-0.46 |
1.95 |
1.63 |
10.74 |
29.70 |
6.30 |
5.59 |
1.00 |
6.51 |
0.59 |
2.26 |
1.48 |
-3.33 |
6.10 |
| Cash Flow from Operations | 3.04 |
2.99 |
4.15 |
6.63 |
6.69 |
4.96 |
6.07 |
9.66 |
10.27 |
6.03 |
11.80 |
1.64 |
3.46 |
2.97 |
-2.03 |
7.41 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-0.47 |
-0.24 |
-0.31 |
-0.81 |
-0.88 |
-0.08 |
-0.30 |
-0.07 |
-0.35 |
-0.16 |
| Cash Flow from Acquisitions | -- |
-11.13 |
-- |
-1.23 |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | -13.03 |
-44.66 |
-22.24 |
-22.46 |
-35.12 |
-97.23 |
20.85 |
4.60 |
-7.36 |
-7.48 |
-24.23 |
-0.65 |
5.02 |
-17.42 |
5.57 |
-17.40 |
| Net Issuance of Stock | 0.05 |
0.26 |
0.58 |
-0.12 |
-1.32 |
-0.27 |
-- |
-- |
-- |
13.79 |
13.79 |
-- |
-- |
13.79 |
-- |
-- |
| Net Issuance of Preferred Stock | -- |
-- |
-- |
-- |
-- |
11.35 |
-- |
-- |
-- |
-11.07 |
-11.07 |
-- |
-- |
-10.54 |
-0.54 |
-- |
| Net Issuance of Debt | 1.63 |
17.63 |
-0.93 |
-6.43 |
25.39 |
62.87 |
-35.38 |
-5.28 |
-11.87 |
-7.95 |
-13.67 |
7.03 |
-3.88 |
3.28 |
-14.37 |
1.31 |
| Cash Flow for Dividends | -0.30 |
-0.38 |
-0.57 |
-0.71 |
-0.87 |
-1.03 |
-1.34 |
-1.19 |
-1.01 |
-0.99 |
-0.94 |
-0.28 |
-0.28 |
-0.25 |
-0.18 |
-0.23 |
| Other Financing | 17.24 |
17.00 |
12.54 |
38.04 |
-8.90 |
18.02 |
18.28 |
-2.18 |
-- |
9.88 |
31.93 |
-0.00 |
0.00 |
0.00 |
9.88 |
22.05 |
| Cash Flow from Financing | 18.63 |
34.51 |
11.62 |
30.78 |
14.29 |
90.96 |
-18.44 |
-8.64 |
-12.88 |
3.66 |
20.04 |
6.75 |
-4.16 |
6.29 |
-5.21 |
23.12 |
| Net Change in Cash | 8.64 |
-7.16 |
-6.46 |
14.95 |
-14.13 |
-1.31 |
8.48 |
5.62 |
-9.97 |
2.22 |
7.61 |
7.74 |
4.32 |
-8.17 |
-1.67 |
13.13 |
| Free Cash Flow | 3.04 |
2.99 |
4.15 |
6.63 |
6.69 |
4.96 |
5.60 |
9.42 |
9.96 |
5.23 |
10.92 |
1.56 |
3.16 |
2.90 |
-2.39 |
7.25 |
| 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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