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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | -5.4 | -26.4 | 6.9 |
| EBITDA Growth (%) | 0 | 0 | 54.5 |
| Free Cash Flow Growth (%) | 0 | 0 | 27.7 |
| Book Value Growth (%) | -2.6 | -2.6 | 11.6 |
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 ($) | 3.26 |
3.69 |
4.37 |
4.62 |
4.93 |
5.65 |
5.94 |
3.02 |
2.02 |
2.09 |
2.18 |
0.50 |
0.53 |
0.51 |
0.54 |
0.60 |
| EBITDA per Share | 1.21 |
1.35 |
1.80 |
1.69 |
1.72 |
0.53 |
-1.38 |
-1.01 |
0.43 |
0.49 |
0.68 |
0.06 |
0.08 |
0.15 |
0.20 |
0.25 |
| Free Cashflow per Share | 0.56 |
1.23 |
1.14 |
1.29 |
0.95 |
0.19 |
0.51 |
-0.12 |
1.01 |
-- |
0.83 |
-0.08 |
0.45 |
-0.04 |
-0.34 |
0.76 |
| Earnings per Share ($) | 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 |
| 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 % | 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 Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 14.71 |
19.95 |
25.16 |
27.06 |
30.42 |
37.59 |
39.51 |
42.75 |
43.20 |
42.50 |
41.96 |
10.75 |
10.41 |
10.59 |
10.76 |
10.21 |
| Non Interest Income | 3.80 |
5.00 |
5.01 |
4.95 |
5.35 |
6.21 |
6.20 |
9.50 |
9.73 |
12.55 |
15.69 |
2.52 |
3.49 |
2.98 |
3.55 |
5.66 |
| Revenue | 18.51 |
24.95 |
30.17 |
32.01 |
35.77 |
43.79 |
45.71 |
52.24 |
52.93 |
55.05 |
57.65 |
13.27 |
13.90 |
13.57 |
14.31 |
15.87 |
| Selling, General, &Admin. Expense | 6.50 |
8.46 |
9.75 |
11.57 |
13.50 |
15.56 |
15.50 |
23.36 |
25.62 |
28.16 |
28.98 |
6.92 |
5.88 |
5.90 |
10.23 |
6.97 |
| Credit Losses Provision | 0.37 |
0.41 |
0.71 |
0.60 |
0.66 |
12.22 |
24.07 |
31.53 |
6.06 |
7.68 |
4.35 |
3.33 |
3.06 |
1.29 |
-- |
-- |
| Other Expenses | 4.77 |
6.96 |
7.32 |
8.14 |
9.11 |
11.92 |
16.80 |
14.87 |
10.00 |
6.28 |
6.44 |
1.40 |
2.82 |
2.47 |
-1.18 |
2.32 |
| Earnings Before DDA | 6.87 |
9.12 |
12.39 |
11.69 |
12.50 |
4.10 |
-10.66 |
-17.52 |
11.25 |
12.93 |
17.89 |
1.62 |
2.13 |
3.92 |
5.26 |
6.58 |
| Depreciation, Depletion and Amortization | 1.15 |
1.78 |
1.65 |
1.24 |
1.30 |
1.95 |
2.21 |
1.80 |
1.70 |
1.69 |
1.74 |
0.41 |
0.43 |
0.43 |
0.43 |
0.46 |
| Operating Income | 5.71 |
7.34 |
10.74 |
10.45 |
11.20 |
2.14 |
-12.87 |
-19.32 |
9.55 |
11.24 |
16.15 |
1.21 |
1.70 |
3.49 |
4.84 |
6.12 |
| Net Income | 3.60 |
4.58 |
6.64 |
6.66 |
6.92 |
1.65 |
-7.05 |
-17.56 |
7.73 |
13.04 |
15.18 |
1.59 |
1.90 |
6.43 |
3.13 |
3.73 |
| Preferred dividends | -- |
-- |
-- |
-- |
-- |
-- |
0.96 |
5.01 |
1.36 |
1.47 |
1.45 |
0.38 |
0.38 |
0.36 |
0.36 |
0.36 |
| Earnings per Share ($) | 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 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 | 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 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 | 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) | 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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