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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 0 | 29.8 | 12.2 |
| EBITDA Growth (%) | 0 | 0 | 110.2 |
| Free Cash Flow Growth (%) | 0 | 35.6 | 46.9 |
| Book Value Growth (%) | 2.7 | 16.9 | 14.6 |
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 ($) | 11.47 |
12.86 |
13.49 |
6.72 |
7.60 |
3.89 |
9.98 |
10.74 |
11.67 |
13.26 |
13.45 |
3.49 |
3.18 |
3.44 |
3.14 |
3.69 |
| EBITDA per Share | 6.21 |
3.84 |
-10.22 |
3.40 |
4.09 |
-1.53 |
5.59 |
3.30 |
-1.55 |
4.25 |
4.12 |
1.89 |
1.20 |
1.43 |
-0.36 |
1.85 |
| Free Cashflow per Share | 8.63 |
7.63 |
0.97 |
-5.30 |
0.98 |
0.76 |
2.75 |
4.56 |
2.70 |
3.51 |
3.57 |
0.81 |
1.15 |
1.15 |
0.40 |
0.87 |
| Earnings per Share ($) | 6.05 |
3.55 |
-10.49 |
3.23 |
3.31 |
-1.69 |
5.36 |
2.97 |
-2.01 |
3.67 |
3.48 |
1.74 |
1.06 |
1.25 |
-0.48 |
1.65 |
| Dividends Per Share | 0.34 |
1.36 |
1.16 |
0.30 |
0.30 |
0.30 |
0.32 |
0.37 |
0.41 |
0.43 |
0.44 |
0.11 |
0.11 |
0.11 |
0.12 |
0.12 |
| Book Value per Share | 24.64 |
25.88 |
14.74 |
13.65 |
17.35 |
14.50 |
20.36 |
23.37 |
25.07 |
28.54 |
30.76 |
26.83 |
28.35 |
30.05 |
29.46 |
30.76 |
| Month End Stock Price | 36.70 |
38.45 |
18.90 |
18.61 |
17.01 |
16.79 |
17.32 |
19.94 |
17.75 |
22.86 |
26.05 |
19.32 |
21.29 |
22.13 |
22.86 |
26.05 |
| 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 % | 24.60 |
13.70 |
-71.20 |
20.30 |
19.10 |
-10.70 |
26.80 |
13.00 |
-7.40 |
14.00 |
22.80 |
27.20 |
16.00 |
18.00 |
-5.60 |
22.80 |
| Return on Assets % | 16.00 |
7.10 |
-18.50 |
7.80 |
9.00 |
-5.20 |
14.90 |
6.60 |
-3.30 |
6.00 |
9.60 |
11.60 |
6.80 |
7.60 |
-2.40 |
9.60 |
| Debt to Equity | 0.15 |
0.14 |
0.24 |
0.29 |
0.26 |
0.26 |
0.19 |
0.20 |
0.21 |
-- |
-- | 0.20 |
0.20 |
0.20 |
-- |
-- |
| Operating Margin % | 54.00 |
29.60 |
-75.90 |
50.40 |
52.80 |
-39.40 |
54.80 |
28.20 |
-16.10 |
30.10 |
48.10 |
52.60 |
36.00 |
39.50 |
-13.70 |
48.10 |
| Net Margin % | 52.80 |
27.60 |
-77.80 |
41.20 |
43.60 |
-39.90 |
54.70 |
28.30 |
-16.00 |
30.10 |
47.40 |
52.60 |
36.00 |
39.10 |
-13.40 |
47.40 |
| Debt to Revenue | 0.32 |
0.29 |
0.26 |
0.58 |
0.59 |
0.97 |
0.39 |
0.44 |
0.46 |
-- |
-- | 1.56 |
1.80 |
1.71 |
-- |
-- |
| Interest Exp. to Revenue % | -1.26 |
-2.01 |
-1.84 |
-3.84 |
13.54 |
-7.36 |
-3.10 |
-3.29 |
-2.86 |
-2.69 |
-2.34 |
-2.38 |
-2.64 |
-2.45 |
-3.40 |
-2.34 |
| Asset Turnover | 0.30 |
0.26 |
0.24 |
0.19 |
0.21 |
0.13 |
0.27 |
0.23 |
0.21 |
0.20 |
0.05 |
0.06 |
0.05 |
0.05 |
0.05 |
0.05 |
| Buyback Ratio | -- |
-4.40 |
82.70 |
-33.10 |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Dividend Payout Ratio | 0.06 |
0.38 |
-- |
0.11 |
0.09 |
-- |
0.06 |
0.12 |
-- |
0.11 |
0.07 |
0.06 |
0.09 |
0.08 |
-- |
0.07 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Total Premiums Earned | 705 |
788 |
848 |
583 |
557 |
529 |
573 |
625 |
623 |
617 |
616 |
161 |
146 |
153 |
157 |
160 |
| Net Investment Income | 50.15 |
69.07 |
87.01 |
126 |
133 |
86.40 |
81.00 |
74.00 |
68.70 |
67.10 |
65.90 |
17.60 |
17.20 |
15.50 |
16.80 |
16.40 |
| Fees and Other Income | 15.94 |
14.25 |
32.37 |
26.83 |
34.30 |
-251 |
193 |
49.00 |
29.50 |
73.60 |
66.80 |
31.80 |
18.50 |
23.20 |
0.10 |
25.00 |
| Revenue | 771 |
871 |
968 |
736 |
724 |
364 |
847 |
748 |
721 |
757 |
748 |
210 |
182 |
192 |
174 |
201 |
| Selling, General, &Admin. Expense | 50.02 |
55.29 |
25.94 |
66.04 |
85.90 |
102 |
137 |
112 |
98.60 |
116 |
117 |
25.70 |
31.00 |
30.50 |
29.00 |
26.90 |
| Policyholder Benefits & Claims | 328 |
810 |
3,021 |
345 |
355 |
295 |
139 |
302 |
612 |
286 |
293 |
44.00 |
57.20 |
57.30 |
128 |
50.60 |
| Policy Acquisition Expense | 140 |
153 |
166 |
113 |
342 |
83.90 |
80.50 |
98.70 |
105 |
96.60 |
93.90 |
24.80 |
23.60 |
23.50 |
24.70 |
22.10 |
| Earnings Before DDA | 418 |
260 |
-734 |
372 |
389 |
-143 |
475 |
230 |
-95.80 |
243 |
229 |
114 |
68.70 |
79.80 |
-19.90 |
101 |
| Depreciation, Depletion and Amortization | 0.90 |
1.81 |
1.37 |
1.32 |
7.00 |
0.10 |
10.30 |
19.00 |
20.00 |
14.70 |
15.00 |
3.60 |
3.20 |
4.10 |
3.80 |
3.90 |
| Operating Income | 417 |
258 |
-735 |
370 |
382 |
-144 |
465 |
211 |
-116 |
228 |
214 |
110 |
65.50 |
75.70 |
-23.70 |
96.80 |
| Net Income | 407 |
240 |
-753 |
303 |
316 |
-146 |
464 |
212 |
-115 |
228 |
213 |
110 |
65.50 |
75.00 |
-23.30 |
95.40 |
| Preferred dividends | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
9.10 |
13.30 |
13.30 |
3.30 |
3.40 |
3.30 |
3.30 |
3.30 |
| Earnings per Share ($) | 6.05 |
3.55 |
-10.49 |
3.23 |
3.31 |
-1.69 |
5.36 |
2.97 |
-2.01 |
3.67 |
3.48 |
1.74 |
1.06 |
1.25 |
-0.48 |
1.65 |
| Total Shares Outstanding | 67.28 |
67.71 |
71.76 |
109 |
95.27 |
93.60 |
84.90 |
69.70 |
61.80 |
57.10 |
54.50 |
60.20 |
57.30 |
55.70 |
55.30 |
54.50 |
| 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 | 1,976 |
2,325 |
2,307 |
2,507 |
2,282 |
1,707 |
2,208 |
2,289 |
2,390 |
2,739 |
2,492 |
2,545 |
2,426 |
2,698 |
2,739 |
2,492 |
| Equity Investments | 37.56 |
45.36 |
114 |
203 |
220 |
242 |
167 |
153 |
96.10 |
40.90 |
34.20 |
39.80 |
37.20 |
40.90 |
40.90 |
34.20 |
| Short-term investments | 84.35 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash and cash equivalents | 140 |
111 |
450 |
313 |
453 |
261 |
202 |
232 |
340 |
331 |
545 |
439 |
564 |
414 |
331 |
545 |
| Accounts Receivable | 216 |
268 |
632 |
377 |
330 |
169 |
162 |
202 |
213 |
223 |
281 |
287 |
354 |
288 |
223 |
281 |
| Deferred Policy Acquisition Costs | 59.82 |
59.03 |
53.45 |
30.30 |
27.70 |
28.40 |
38.20 |
45.00 |
50.90 |
48.40 |
52.30 |
56.90 |
57.70 |
54.20 |
48.40 |
52.30 |
| Total Assets | 2,553 |
3,398 |
4,060 |
3,899 |
3,525 |
2,798 |
3,102 |
3,219 |
3,500 |
3,810 |
4,051 |
3,804 |
3,895 |
4,050 |
3,810 |
4,051 |
| Unpaid Loss & Loss Reserve | 250 |
550 |
1,782 |
1,089 |
861 |
809 |
681 |
785 |
1,077 |
1,112 |
1,035 |
1,036 |
1,030 |
1,039 |
1,112 |
1,035 |
| Unearned Premiums | 319 |
288 |
263 |
219 |
187 |
185 |
215 |
264 |
266 |
270 |
342 |
345 |
418 |
368 |
270 |
342 |
| Future Policy Benefits | -- |
550 |
1,782 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Current Portion of Long-Term Debt | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other liabilities | 0.38 |
-549 |
-1,611 |
238 |
113 |
3.10 |
8.60 |
109 |
206 |
741 |
955 |
380 |
379 |
529 |
741 |
955 |
| Long-Term Debt | 249 |
249 |
249 |
427 |
427 |
353 |
332 |
328 |
328 |
-- |
-- | 328 |
328 |
328 |
-- |
-- |
| Total Liabilities | 895 |
1,646 |
3,002 |
2,406 |
1,872 |
1,440 |
1,374 |
1,591 |
1,950 |
2,181 |
2,375 |
2,189 |
2,270 |
2,376 |
2,181 |
2,375 |
| Common Stock | 0.11 |
0.10 |
0.15 |
0.19 |
0.20 |
0.20 |
0.10 |
0.10 |
0.10 |
0.10 |
0.10 |
0.10 |
0.10 |
0.10 |
0.10 |
0.10 |
| Preferred Stock | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
150 |
150 |
150 |
150 |
150 |
150 |
150 |
150 |
| Retained Earnings | 474 |
585 |
-648 |
-376 |
-43.60 |
-215 |
222 |
409 |
260 |
450 |
536 |
361 |
417 |
483 |
450 |
536 |
| Additional Paid-In Capital | 1,130 |
1,112 |
1,715 |
1,819 |
1,694 |
1,599 |
1,541 |
1,259 |
1,166 |
1,056 |
1,016 |
1,130 |
1,093 |
1,075 |
1,056 |
1,016 |
| Treasury Stock | -- |
-- |
-- |
-- |
-- |
-23.80 |
-32.30 |
-32.70 |
-22.00 |
-23.10 |
-18.60 |
-21.80 |
-30.20 |
-30.20 |
-23.10 |
-18.60 |
| Total Equity | 1,658 |
1,752 |
1,058 |
1,493 |
1,653 |
1,358 |
1,729 |
1,629 |
1,549 |
1,629 |
1,676 |
1,615 |
1,625 |
1,674 |
1,629 |
1,676 |
| 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 | 407 |
240 |
-753 |
303 |
316 |
-146 |
464 |
212 |
-115 |
228 |
214 |
110 |
65.50 |
75.00 |
-23.30 |
96.60 |
| Depreciation, Depletion and Amortization | 0.90 |
1.81 |
1.37 |
1.32 |
7.00 |
0.10 |
10.30 |
19.00 |
20.00 |
14.70 |
15.00 |
3.60 |
3.20 |
4.10 |
3.80 |
3.90 |
| Cash Flow from Others | 173 |
278 |
822 |
-873 |
-223 |
217 |
-241 |
86.70 |
262 |
-41.50 |
-28.70 |
-65.30 |
-2.80 |
-15.00 |
41.60 |
-52.50 |
| Cash Flow from Operations | 581 |
520 |
70.90 |
-568 |
100 |
71.50 |
233 |
318 |
167 |
201 |
200 |
48.70 |
65.90 |
64.10 |
22.10 |
48.00 |
| Investment for Property, Plant & Equipement | -1.07 |
-2.99 |
-0.96 |
-11.43 |
-6.90 |
-- |
-- |
-- |
-- |
-0.40 |
-0.70 |
0.20 |
-0.10 |
-0.20 |
-- |
-0.40 |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-- |
-6.70 |
-14.90 |
-2.50 |
-- |
51.20 |
-1.00 |
-1.00 |
-- |
-- |
-- |
-1.00 |
-- |
| Cash Flow from Investing | -703 |
-465 |
105 |
114 |
501 |
221 |
-176 |
30.30 |
-84.20 |
-129 |
-26.90 |
86.60 |
127 |
-188 |
-154 |
189 |
| Net Issuance of Stock | -- |
-54.86 |
622 |
100 |
-- |
-130 |
-113 |
-289 |
-87.90 |
-118 |
-124 |
-32.50 |
-51.40 |
-23.70 |
-9.90 |
-38.70 |
| Net Issuance of Preferred Stock | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
145 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Issuance of Debt | 98.79 |
-65.48 |
-105 |
273 |
-125 |
-75.00 |
-15.10 |
-1.00 |
-- |
71.10 |
71.10 |
-- |
-- |
-- |
71.10 |
-- |
| Cash Flow for Dividends | -- |
-95.27 |
-497 |
-30.04 |
-29.90 |
-87.50 |
-26.20 |
-26.20 |
-30.80 |
-37.70 |
-37.60 |
-9.70 |
-9.50 |
-9.40 |
-9.10 |
-9.60 |
| Other Financing | -0.17 |
132 |
143 |
-34.24 |
-308 |
-193 |
32.00 |
0.00 |
0.00 |
-2.70 |
28.70 |
-0.00 |
-- |
-0.00 |
-2.70 |
31.40 |
| Cash Flow from Financing | 98.62 |
-83.81 |
164 |
309 |
-462 |
-486 |
-122 |
-316 |
26.70 |
-86.80 |
-61.50 |
-42.20 |
-60.90 |
-33.10 |
49.40 |
-16.90 |
| Net Change in Cash | -23.34 |
-29.01 |
340 |
-137 |
140 |
-192 |
-58.80 |
30.20 |
108 |
-9.50 |
106 |
98.50 |
125 |
-149 |
-83.50 |
214 |
| Free Cash Flow | 580 |
517 |
69.94 |
-580 |
93.20 |
71.50 |
233 |
318 |
167 |
200 |
199 |
48.90 |
65.80 |
63.90 |
22.10 |
47.60 |
| 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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