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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) -0.4  -7.6  -2.7 
EBITDA Growth (%) 26.2 
Free Cash Flow Growth (%) 10.3  -4.5  13.7 
Book Value Growth (%) 3.8  3.8  5.2 

*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 ($)
4.17
7.73
8.28
5.50
6.36
7.28
6.64
6.38
5.44
5.42
5.48
1.22
1.21
1.12
1.95
1.20
EBITDA per Share
2.02
2.49
2.45
2.52
2.86
0.46
-0.12
-0.40
0.82
1.61
1.64
0.27
0.22
0.17
0.96
0.29
Free Cashflow per Share
0.85
0.91
1.87
3.05
1.82
2.73
2.27
2.78
2.14
2.23
2.49
0.48
0.51
0.71
0.58
0.69
Earnings per Share ($)
1.16
1.49
1.56
1.15
0.88
0.31
-0.11
-0.31
0.49
0.60
0.58
0.18
0.09
0.10
0.20
0.19
Dividends Per Share
0.22
0.26
0.30
0.32
0.34
0.36
0.06
--
--
--
--
--
--
--
--
--
Book Value per Share
8.09
9.23
10.24
11.11
12.24
11.72
12.20
12.10
12.30
11.31
11.44
10.87
11.84
11.18
11.31
11.44
Month End Stock Price
17.63
28.30
22.98
19.25
13.65
9.00
3.80
4.05
2.73
4.94
7.09
4.40
5.21
5.00
4.94
7.09
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
14.40
16.10
15.20
10.30
7.20
2.60
-0.80
-2.20
4.00
5.30
6.40
6.40
3.60
3.60
7.60
6.40
Return on Assets %
1.00
1.20
1.00
0.70
0.40
0.10
--
-0.10
0.30
0.40
0.40
0.40
0.40
0.40
0.80
0.40
Return on Capital - Joel Greenblatt %
23.40
12.70
8.80
22.80
11.20
1.20
-8.80
--
95.50
134
64.40
128
43.20
20.40
344
64.40
Debt to Equity
3.81
4.46
4.78
3.18
5.67
6.48
5.16
3.81
3.15
2.24
1.87
3.06
2.85
2.43
2.24
1.87
   
Operating Margin %
39.70
27.60
26.70
40.70
41.50
3.70
-5.80
-10.40
11.30
26.50
21.20
18.60
13.90
11.80
47.10
21.20
Net Margin %
27.80
19.30
18.80
20.90
13.90
4.20
-1.50
-4.20
9.00
11.00
15.50
14.50
8.50
9.30
11.20
15.50
   
Debt to Revenue
7.38
5.32
5.91
6.43
10.93
10.43
9.48
7.22
7.11
4.68
17.85
27.26
27.87
24.31
12.99
17.85
Interest Exp. to Revenue %
80.27
50.48
51.62
89.25
84.15
81.32
88.25
84.76
87.77
76.55
84.58
85.47
92.33
92.50
52.75
84.58
   
Asset Turnover
0.04
0.06
0.05
0.03
0.03
0.03
0.03
0.03
0.03
0.04
0.01
0.01
0.01
0.01
0.01
0.01
Dividend Payout Ratio
0.19
0.18
0.19
0.28
0.39
1.17
--
--
--
--
--
--
--
--
--
--
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
23.69
27.78
30.81
35.30
39.07
44.08
43.54
40.15
39.84
39.82
39.56
10.02
9.97
9.94
9.90
9.76
Non Interest Income
5.82
27.25
28.87
4.25
7.36
10.12
5.80
7.22
5.55
12.20
12.28
1.70
0.83
0.81
8.87
1.78
Revenue
29.52
55.03
59.68
39.55
46.42
54.20
49.34
47.37
45.39
52.02
51.84
11.72
10.80
10.74
18.76
11.54
   
Selling, General, &Admin. Expense
9.78
22.81
25.19
12.11
14.61
16.76
20.10
18.48
18.26
17.60
17.83
4.42
4.39
4.45
4.33
4.66
Credit Losses Provision
0.92
1.05
1.48
1.85
2.06
15.50
20.33
21.35
10.00
8.50
8.00
2.00
2.00
2.00
2.50
1.50
Other Expenses
4.54
13.45
15.37
7.51
8.88
18.48
9.84
10.54
10.27
10.48
10.34
2.69
2.48
2.62
2.70
2.55
Earnings Before DDA
14.29
17.72
17.64
18.09
20.88
3.46
-0.92
-3.00
6.87
15.44
15.67
2.61
1.93
1.67
9.23
2.83
   
Depreciation, Depletion and Amortization
2.57
2.53
1.68
2.00
1.61
1.45
1.96
1.93
1.76
1.65
1.61
0.43
0.43
0.40
0.39
0.39
   
Operating Income
11.72
15.19
15.95
16.10
19.27
2.01
-2.88
-4.93
5.11
13.79
14.06
2.18
1.50
1.27
8.84
2.44
Net Income
8.21
10.61
11.24
8.27
6.46
2.30
-0.72
-1.98
4.07
5.71
5.81
1.70
0.91
1.00
2.11
1.79
   
Preferred dividends
--
--
--
--
--
--
0.07
0.30
0.37
0.78
0.78
0.19
0.19
0.19
0.19
0.19
Earnings per Share ($)
1.16
1.49
1.56
1.15
0.88
0.31
-0.11
-0.31
0.49
0.60
0.58
0.18
0.09
0.10
0.20
0.19
Total Shares Outstanding
7.07
7.12
7.21
7.19
7.30
7.45
7.43
7.43
8.34
9.60
9.61
9.60
8.93
9.60
9.60
9.61
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
17.55
21.76
24.07
12.30
21.36
11.46
41.06
50.35
32.69
14.80
11.82
30.91
18.55
17.19
14.80
11.82
Money Market Investments
0.24
0.05
3.65
0.52
0.18
0.00
--
--
--
--
--
--
--
--
--
--
Net Loan
505
617
810
916
1,054
1,193
1,137
996
966
937
946
959
949
941
937
946
Securities & Investments
235
211
224
248
300
351
296
295
306
296
296
310
307
308
296
296
Accounts Receivable
3.78
3.65
4.84
6.35
7.19
7.22
6.32
5.88
5.78
5.62
5.54
5.27
5.52
5.35
5.62
5.54
Property, Plant and Equipment
17.85
20.78
23.09
22.45
22.13
22.43
24.23
23.09
22.08
21.13
21.02
21.76
21.47
21.26
21.13
21.02
Intangible Assets
3.05
3.50
3.35
3.20
10.06
9.70
9.35
9.00
8.65
8.30
8.21
8.56
8.48
8.39
8.30
8.21
Other Assets
8.89
11.40
16.41
26.10
20.69
32.54
70.66
99.82
110
104
102
109
107
103
104
102
Total Assets
791
889
1,110
1,235
1,436
1,627
1,585
1,478
1,450
1,387
1,390
1,444
1,416
1,404
1,387
1,390
   
Total Deposits
512
525
674
889
829
966
1,017
1,037
1,017
1,027
1,066
1,011
1,002
1,027
1,027
1,066
Current Portion of Long-Term Debt
49.71
121
182
60.43
172
153
49.74
1.58
15.96
3.96
5.96
15.96
10.96
20.96
3.96
5.96
Long-Term Debt
168
172
171
194
335
412
418
340
307
240
200
304
290
240
240
200
Other liabilities
4.51
6.34
9.30
11.96
10.05
8.59
9.01
9.63
8.46
7.81
7.93
9.36
8.08
8.36
7.81
7.93
Total Liabilities
734
824
1,036
1,155
1,346
1,540
1,494
1,389
1,348
1,279
1,280
1,340
1,311
1,297
1,279
1,280
   
Common Stock
8.92
18.12
18.86
18.02
24.39
24.45
24.51
24.51
24.52
24.52
24.58
24.52
24.52
24.52
24.52
24.58
Preferred Stock
--
1.16
--
--
--
--
3.52
3.52
9.33
9.33
9.33
9.33
9.33
9.33
9.33
9.33
Retained Earnings
43.43
47.11
56.22
62.21
65.08
64.71
63.47
61.20
64.90
69.84
71.44
66.41
67.13
67.93
69.84
71.44
Additional Paid-In Capital
3.85
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Treasury Stock
-0.63
-0.63
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Total Equity
57.19
65.71
73.80
79.88
89.42
87.24
90.66
89.82
103
109
110
104
106
107
109
110
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
8.21
10.61
11.24
8.27
6.46
2.30
-0.72
-1.98
4.07
5.71
5.81
1.70
0.91
1.00
2.11
1.79
Depreciation, Depletion and Amortization
2.57
2.53
1.68
2.00
1.61
1.45
1.96
1.93
1.76
1.65
1.61
0.43
0.43
0.40
0.39
0.39
Cash Flow from Others
-4.77
-6.64
0.53
11.69
5.24
16.62
19.07
21.15
12.40
14.38
16.60
2.45
3.23
5.49
3.22
4.67
Cash Flow from Operations
6.01
6.51
13.45
21.96
13.31
20.37
20.32
21.10
18.23
21.75
24.02
4.58
4.57
6.89
5.71
6.85
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
-3.41
-0.43
-0.38
-0.34
-0.52
-0.01
-0.05
-0.11
-0.17
-0.19
Cash Flow from Acquisitions
--
-0.85
--
--
0.23
--
--
--
--
--
--
--
--
--
--
--
Cash Flow from Investing
-116
-89.10
-218
-146
-193
-223
18.38
82.98
15.92
29.45
14.56
3.73
23.79
7.04
-5.11
-11.16
   
Net Issuance of Stock
0.05
0.12
0.13
-0.95
-0.04
0.01
--
--
--
--
--
--
--
--
--
--
Net Issuance of Preferred Stock
--
1.16
--
--
--
--
3.52
--
5.81
--
--
--
--
--
--
--
Net Issuance of Debt
60.71
67.93
52.39
-98.25
251
57.95
-97.85
-126
-19.48
-65.59
-117
13.75
-25.76
-49.49
-4.09
-37.72
Cash Flow for Dividends
-1.51
-1.83
-2.14
-2.28
-2.46
-2.67
-0.45
-0.30
-0.30
-0.73
-0.78
-0.15
-0.19
-0.19
-0.19
-0.19
Other Financing
53.22
20.22
157
215
-60.07
137
51.54
19.60
-20.44
-2.76
58.73
-22.24
-2.19
35.24
-13.57
39.25
Cash Flow from Financing
112
87.60
208
113
189
192
-43.24
-106
-34.41
-69.09
-59.11
-8.64
-28.15
-14.45
-17.85
1.34
   
Net Change in Cash
2.94
5.00
3.12
-10.51
9.25
-9.93
-4.54
-2.16
-0.25
-17.89
-20.53
-0.34
0.21
-0.51
-17.24
-2.98
   
Free Cash Flow
6.01
6.51
13.45
21.96
13.31
20.37
16.91
20.67
17.85
21.40
23.50
4.56
4.52
6.78
5.54
6.66
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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