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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) -5.4  -26.4  6.9 
EBITDA Growth (%) 54.5 
Free Cash Flow Growth (%) 27.7 
Book Value Growth (%) -2.6  -2.6  11.6 

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.
   Trendline:
Export: Download financial data to Excel Download financial data to CSV  Print This Table Print helpSee this page for the explanation of the data and charts * All numbers are in millions except for per share data
Per Share DataAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
3.26
3.69
4.37
4.62
4.93
5.65
5.94
3.02
2.02
2.09
2.18
0.50
0.53
0.51
0.54
0.60
EBITDA per Share
1.21
1.35
1.80
1.69
1.72
0.53
-1.38
-1.01
0.43
0.49
0.68
0.06
0.08
0.15
0.20
0.25
Free Cashflow per Share
0.56
1.23
1.14
1.29
0.95
0.19
0.51
-0.12
1.01
--
0.83
-0.08
0.45
-0.04
-0.34
0.76
Earnings per Share ($)
0.63
0.68
0.96
0.96
0.95
0.21
-1.04
-1.30
0.24
0.44
0.52
0.05
0.06
0.23
0.10
0.13
Dividends Per Share
--
--
--
0.15
0.31
0.08
--
--
--
--
--
--
--
--
--
--
Book Value per Share
5.69
5.50
6.50
7.14
9.56
9.03
8.36
5.65
4.03
4.60
4.62
4.14
4.19
4.47
4.57
4.62
Month End Stock Price
10.08
12.97
19.52
16.37
12.00
5.02
5.00
3.29
3.54
5.80
5.70
5.09
5.57
5.76
5.80
5.70
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
11.10
12.30
14.80
13.50
10.00
2.40
-8.40
-14.50
6.00
9.00
10.00
4.80
5.60
18.00
8.40
10.00
Return on Assets %
0.80
1.00
1.40
1.20
0.90
0.20
-0.70
-1.80
0.80
1.20
1.60
0.80
0.80
2.40
1.20
1.60
Return on Capital - Joel Greenblatt %
--
32.90
323
23.20
--
2.40
-24.60
-65.30
7,024
75.70
--
39.20
--
--
130
--
Debt to Equity
1.25
0.99
0.41
1.34
0.31
1.75
0.94
0.44
0.46
0.51
0.31
0.46
0.36
0.38
0.51
0.31
   
Operating Margin %
30.90
29.40
35.60
32.70
31.30
4.90
-28.20
-37.00
18.00
20.40
38.60
9.10
12.30
25.70
33.80
38.60
Net Margin %
19.40
18.40
22.00
20.80
19.30
3.80
-15.40
-33.60
14.60
23.70
23.50
11.90
13.60
47.40
21.90
23.50
   
Debt to Revenue
2.18
1.47
0.61
2.08
0.60
2.80
1.72
1.02
1.13
1.36
2.82
4.58
3.47
4.00
5.22
2.82
Interest Exp. to Revenue %
79.49
79.97
83.40
84.53
85.05
85.83
86.44
81.82
81.62
77.21
64.33
81.00
74.86
78.01
75.21
64.33
   
Asset Turnover
0.04
0.06
0.06
0.06
0.05
0.05
0.05
0.05
0.05
0.05
0.02
0.01
0.01
0.01
0.01
0.02
Dividend Payout Ratio
--
--
--
0.16
0.32
0.36
--
--
--
--
--
--
--
--
--
--
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
14.71
19.95
25.16
27.06
30.42
37.59
39.51
42.75
43.20
42.50
41.96
10.75
10.41
10.59
10.76
10.21
Non Interest Income
3.80
5.00
5.01
4.95
5.35
6.21
6.20
9.50
9.73
12.55
15.69
2.52
3.49
2.98
3.55
5.66
Revenue
18.51
24.95
30.17
32.01
35.77
43.79
45.71
52.24
52.93
55.05
57.65
13.27
13.90
13.57
14.31
15.87
   
Selling, General, &Admin. Expense
6.50
8.46
9.75
11.57
13.50
15.56
15.50
23.36
25.62
28.16
28.98
6.92
5.88
5.90
10.23
6.97
Credit Losses Provision
0.37
0.41
0.71
0.60
0.66
12.22
24.07
31.53
6.06
7.68
4.35
3.33
3.06
1.29
--
--
Other Expenses
4.77
6.96
7.32
8.14
9.11
11.92
16.80
14.87
10.00
6.28
6.44
1.40
2.82
2.47
-1.18
2.32
Earnings Before DDA
6.87
9.12
12.39
11.69
12.50
4.10
-10.66
-17.52
11.25
12.93
17.89
1.62
2.13
3.92
5.26
6.58
   
Depreciation, Depletion and Amortization
1.15
1.78
1.65
1.24
1.30
1.95
2.21
1.80
1.70
1.69
1.74
0.41
0.43
0.43
0.43
0.46
   
Operating Income
5.71
7.34
10.74
10.45
11.20
2.14
-12.87
-19.32
9.55
11.24
16.15
1.21
1.70
3.49
4.84
6.12
Net Income
3.60
4.58
6.64
6.66
6.92
1.65
-7.05
-17.56
7.73
13.04
15.18
1.59
1.90
6.43
3.13
3.73
   
Preferred dividends
--
--
--
--
--
--
0.96
5.01
1.36
1.47
1.45
0.38
0.38
0.36
0.36
0.36
Earnings per Share ($)
0.63
0.68
0.96
0.96
0.95
0.21
-1.04
-1.30
0.24
0.44
0.52
0.05
0.06
0.23
0.10
0.13
Total Shares Outstanding
5.68
6.77
6.90
6.93
7.26
7.75
7.70
17.31
26.26
26.40
26.53
26.29
26.40
26.43
26.54
26.53
Balance SheetAnnuals (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
40.87
16.59
18.58
19.48
23.58
18.04
19.46
15.31
34.89
34.12
38.52
26.70
32.56
44.18
34.12
38.52
Money Market Investments
38.70
7.58
28.17
6.22
26.21
11.77
21.40
7.76
--
4.58
--
--
--
--
4.58
--
Net Loan
278
337
366
441
606
676
731
662
648
693
695
638
654
672
693
695
Securities & Investments
54.96
57.39
44.40
38.45
47.56
50.76
121
225
237
288
248
267
261
261
288
248
Property, Plant and Equipment
9.87
10.38
11.91
14.58
6.39
6.83
6.78
6.38
5.53
15.96
17.60
15.59
15.39
15.24
15.96
17.60
Intangible Assets
7.35
6.89
6.31
6.01
15.46
14.74
13.69
13.18
12.73
12.98
12.88
12.65
12.56
12.47
12.98
12.88
Other Assets
11.75
11.96
13.11
15.99
20.11
27.47
31.70
53.27
49.20
49.12
52.56
48.40
48.60
53.37
49.12
52.56
Total Assets
442
448
489
542
746
806
945
983
987
1,098
1,065
1,009
1,024
1,059
1,098
1,065
   
Total Deposits
366
370
418
421
645
604
775
798
786
871
863
806
834
855
871
863
Current Portion of Long-Term Debt
28.50
28.50
10.00
50.00
8.00
99.00
65.00
38.50
29.50
33.00
--
23.50
3.50
9.50
33.00
--
Long-Term Debt
11.75
8.25
8.25
16.50
13.40
23.40
13.40
14.75
30.25
41.75
44.75
37.25
44.75
44.75
41.75
44.75
Other liabilities
2.97
3.57
7.61
5.29
9.89
9.63
7.56
9.90
11.63
6.39
10.38
9.05
6.92
7.11
6.39
10.38
Total Liabilities
410
411
444
492
676
736
861
861
858
952
918
876
889
916
952
918
   
Common Stock
20.65
24.05
29.26
29.25
--
--
--
--
--
101
--
101
101
101
101
--
Preferred Stock
--
--
--
--
--
--
19.43
23.40
23.76
24.14
24.23
23.86
23.95
24.05
24.14
24.23
Retained Earnings
11.54
13.05
15.75
19.81
24.60
21.42
13.41
-9.16
-2.79
8.77
12.15
-1.59
-0.07
6.00
8.77
12.15
Additional Paid-In Capital
--
--
--
0.34
44.67
49.70
51.99
108
108
109
109
7.05
7.13
7.24
109
109
Total Equity
32.29
37.25
44.85
49.47
69.45
70.03
83.75
121
130
146
147
133
135
142
146
147
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Income
0.60
4.58
6.64
6.66
6.92
1.65
-7.05
-17.56
7.73
13.04
15.18
1.59
1.90
6.43
3.13
3.73
Depreciation, Depletion and Amortization
1.15
1.78
1.65
1.24
1.30
1.95
2.21
1.80
1.70
1.69
1.74
0.41
0.43
0.43
0.43
0.46
Cash Flow from Others
1.43
1.97
-0.46
1.00
-1.32
-2.12
9.92
14.63
17.49
-3.04
8.55
6.26
9.70
-7.60
-11.40
17.85
Cash Flow from Operations
3.18
8.33
7.83
8.90
6.89
1.48
5.09
-1.13
26.92
11.69
25.47
8.25
12.03
-0.74
-7.85
22.03
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
-1.13
-0.94
-0.41
-11.82
-3.44
-10.38
-0.19
-0.20
-1.06
-2.00
Cash Flow from Acquisitions
22.70
--
--
--
12.47
--
--
--
--
--
--
--
--
--
--
--
Cash Flow from Investing
-5.05
-64.58
-18.34
-76.31
-15.78
-83.73
-134
-71.68
-9.18
-82.72
-24.42
-37.62
-18.82
-14.56
-11.73
20.68
   
Net Issuance of Stock
0.45
0.20
1.28
0.35
0.20
0.31
--
--
--
--
--
--
--
--
--
--
Net Issuance of Preferred Stock
--
--
--
--
--
--
21.00
55.96
--
--
--
--
--
--
--
--
Net Issuance of Debt
-5.80
-3.19
-15.42
45.77
-57.12
102
-44.00
-23.46
6.50
15.00
-16.00
1.00
-12.50
6.00
20.50
-30.00
Cash Flow for Dividends
--
--
--
-2.60
-2.13
-0.59
-0.69
-0.26
--
-3.01
-3.28
--
-2.49
-0.26
-0.26
-0.26
Other Financing
23.78
4.00
47.34
2.37
91.31
-41.18
169
22.78
-12.29
58.27
30.05
20.17
27.63
21.18
-10.71
-8.05
Cash Flow from Financing
18.43
1.00
33.20
45.88
32.27
60.40
146
55.02
-5.79
70.26
10.77
21.17
12.64
26.92
9.53
-38.31
   
Net Change in Cash
16.56
-55.25
22.69
-21.53
23.39
-21.85
16.17
-17.79
11.94
-0.78
11.82
-8.19
5.86
11.62
-10.06
4.40
   
Free Cash Flow
3.18
8.33
7.83
8.90
6.89
1.48
3.96
-2.07
26.51
-0.13
22.03
-2.13
11.84
-0.94
-8.91
20.03
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
PE Ratio(ttm) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
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Valuation and QualityAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
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