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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | -0.4 | -7.6 | -2.7 |
| EBITDA Growth (%) | 0 | 0 | 26.2 |
| Free Cash Flow Growth (%) | 10.3 | -4.5 | 13.7 |
| Book Value Growth (%) | 3.8 | 3.8 | 5.2 |
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 ($) | 4.17 |
7.73 |
8.28 |
5.50 |
6.36 |
7.28 |
6.64 |
6.38 |
5.44 |
5.42 |
5.48 |
1.22 |
1.21 |
1.12 |
1.95 |
1.20 |
| EBITDA per Share | 2.02 |
2.49 |
2.45 |
2.52 |
2.86 |
0.46 |
-0.12 |
-0.40 |
0.82 |
1.61 |
1.64 |
0.27 |
0.22 |
0.17 |
0.96 |
0.29 |
| Free Cashflow per Share | 0.85 |
0.91 |
1.87 |
3.05 |
1.82 |
2.73 |
2.27 |
2.78 |
2.14 |
2.23 |
2.49 |
0.48 |
0.51 |
0.71 |
0.58 |
0.69 |
| Earnings per Share ($) | 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 |
| 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 % | 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 Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 23.69 |
27.78 |
30.81 |
35.30 |
39.07 |
44.08 |
43.54 |
40.15 |
39.84 |
39.82 |
39.56 |
10.02 |
9.97 |
9.94 |
9.90 |
9.76 |
| Non Interest Income | 5.82 |
27.25 |
28.87 |
4.25 |
7.36 |
10.12 |
5.80 |
7.22 |
5.55 |
12.20 |
12.28 |
1.70 |
0.83 |
0.81 |
8.87 |
1.78 |
| Revenue | 29.52 |
55.03 |
59.68 |
39.55 |
46.42 |
54.20 |
49.34 |
47.37 |
45.39 |
52.02 |
51.84 |
11.72 |
10.80 |
10.74 |
18.76 |
11.54 |
| Selling, General, &Admin. Expense | 9.78 |
22.81 |
25.19 |
12.11 |
14.61 |
16.76 |
20.10 |
18.48 |
18.26 |
17.60 |
17.83 |
4.42 |
4.39 |
4.45 |
4.33 |
4.66 |
| Credit Losses Provision | 0.92 |
1.05 |
1.48 |
1.85 |
2.06 |
15.50 |
20.33 |
21.35 |
10.00 |
8.50 |
8.00 |
2.00 |
2.00 |
2.00 |
2.50 |
1.50 |
| Other Expenses | 4.54 |
13.45 |
15.37 |
7.51 |
8.88 |
18.48 |
9.84 |
10.54 |
10.27 |
10.48 |
10.34 |
2.69 |
2.48 |
2.62 |
2.70 |
2.55 |
| Earnings Before DDA | 14.29 |
17.72 |
17.64 |
18.09 |
20.88 |
3.46 |
-0.92 |
-3.00 |
6.87 |
15.44 |
15.67 |
2.61 |
1.93 |
1.67 |
9.23 |
2.83 |
| Depreciation, Depletion and Amortization | 2.57 |
2.53 |
1.68 |
2.00 |
1.61 |
1.45 |
1.96 |
1.93 |
1.76 |
1.65 |
1.61 |
0.43 |
0.43 |
0.40 |
0.39 |
0.39 |
| Operating Income | 11.72 |
15.19 |
15.95 |
16.10 |
19.27 |
2.01 |
-2.88 |
-4.93 |
5.11 |
13.79 |
14.06 |
2.18 |
1.50 |
1.27 |
8.84 |
2.44 |
| Net Income | 8.21 |
10.61 |
11.24 |
8.27 |
6.46 |
2.30 |
-0.72 |
-1.98 |
4.07 |
5.71 |
5.81 |
1.70 |
0.91 |
1.00 |
2.11 |
1.79 |
| Preferred dividends | -- |
-- |
-- |
-- |
-- |
-- |
0.07 |
0.30 |
0.37 |
0.78 |
0.78 |
0.19 |
0.19 |
0.19 |
0.19 |
0.19 |
| Earnings per Share ($) | 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 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 | 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 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 | 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) | 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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