European Shorting
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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 0.3 | 3.6 | -2.6 |
| EBITDA Growth (%) | -5.6 | 8.9 | -1.7 |
| Free Cash Flow Growth (%) | -0.6 | -17.5 | -10.5 |
| Book Value Growth (%) | 5.7 | 1.9 | 5 |
Print This Table 
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 ($) | 3.12 |
3.12 |
3.07 |
2.95 |
3.04 |
2.67 |
3.12 |
3.12 |
3.29 |
3.10 |
3.04 |
0.73 |
0.74 |
0.82 |
0.77 |
0.71 |
| EBITDA per Share | 1.85 |
1.77 |
1.71 |
1.52 |
1.52 |
0.83 |
1.13 |
1.19 |
1.25 |
1.21 |
1.17 |
0.27 |
0.27 |
0.35 |
0.30 |
0.25 |
| Free Cashflow per Share | 1.52 |
1.10 |
0.75 |
1.47 |
6.38 |
5.73 |
0.47 |
1.49 |
0.98 |
1.52 |
1.02 |
0.67 |
0.08 |
0.34 |
0.41 |
0.19 |
| Earnings per Share ($) | 1.04 |
1.06 |
1.06 |
1.05 |
1.00 |
0.58 |
0.58 |
0.74 |
0.75 |
0.73 |
0.72 |
0.17 |
0.17 |
0.20 |
0.19 |
0.16 |
| Dividends Per Share | 0.57 |
0.60 |
0.62 |
0.64 |
0.65 |
0.66 |
0.66 |
0.65 |
0.66 |
0.65 |
0.65 |
0.16 |
0.16 |
0.16 |
0.16 |
0.16 |
| Book Value per Share | 4.45 |
4.83 |
6.06 |
6.06 |
6.17 |
6.76 |
7.49 |
7.29 |
7.10 |
7.61 |
7.58 |
7.22 |
7.62 |
7.66 |
7.60 |
7.58 |
| Month End Stock Price | 18.85 |
18.80 |
17.13 |
19.78 |
14.93 |
16.66 |
12.21 |
12.97 |
11.78 |
9.30 |
10.24 |
12.33 |
10.60 |
10.02 |
9.30 |
10.24 |
| 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 % | 23.50 |
21.80 |
17.50 |
17.20 |
16.10 |
6.90 |
9.30 |
10.10 |
10.60 |
9.60 |
8.40 |
9.20 |
8.80 |
10.40 |
10.00 |
8.40 |
| Return on Assets % | 1.60 |
1.40 |
1.30 |
1.30 |
1.20 |
0.60 |
0.80 |
0.90 |
0.90 |
0.90 |
0.80 |
0.80 |
0.80 |
1.20 |
0.80 |
0.80 |
| Return on Capital - Joel Greenblatt % | 81.00 |
45.00 |
45.60 |
62.10 |
33.90 |
35.00 |
-- |
204 |
199 |
-- |
-- | 109 |
54.80 |
-- |
-- |
-- |
| Debt to Equity | 2.95 |
3.39 |
3.04 |
3.00 |
3.76 |
2.80 |
2.67 |
2.56 |
2.47 |
2.02 |
2.01 |
2.23 |
2.29 |
2.10 |
2.02 |
2.01 |
| Operating Margin % | 51.00 |
50.10 |
48.80 |
44.00 |
43.80 |
26.10 |
32.10 |
33.70 |
33.60 |
34.40 |
31.20 |
33.20 |
32.30 |
38.10 |
33.80 |
31.20 |
| Net Margin % | 33.60 |
33.80 |
34.60 |
35.30 |
32.70 |
22.10 |
22.30 |
23.70 |
22.80 |
23.50 |
22.20 |
23.00 |
22.50 |
24.30 |
24.20 |
22.20 |
| Debt to Revenue | 4.21 |
5.26 |
5.99 |
6.15 |
7.63 |
9.00 |
6.41 |
5.98 |
5.32 |
4.98 |
21.47 |
22.18 |
23.53 |
19.58 |
19.95 |
21.47 |
| Interest Exp. to Revenue % | 76.31 |
81.53 |
84.39 |
84.44 |
81.56 |
99.23 |
86.15 |
83.52 |
80.87 |
80.20 |
77.86 |
84.94 |
83.55 |
75.05 |
77.80 |
77.86 |
| Asset Turnover | 0.05 |
0.04 |
0.04 |
0.04 |
0.04 |
0.03 |
0.04 |
0.04 |
0.04 |
0.04 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-2.10 |
-121 |
-6.40 |
-6.00 |
-5.40 |
-4.70 |
-5.30 |
-7.20 |
-5.00 |
-4.40 |
-4.70 |
| Dividend Payout Ratio | 0.55 |
0.57 |
0.59 |
0.61 |
0.66 |
1.12 |
0.95 |
0.89 |
0.88 |
0.90 |
1.04 |
0.98 |
0.98 |
0.82 |
0.88 |
1.04 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 349 |
372 |
398 |
391 |
382 |
421 |
449 |
463 |
475 |
490 |
472 |
127 |
122 |
122 |
119 |
110 |
| Non Interest Income | 108 |
84.33 |
73.71 |
72.06 |
86.28 |
3.26 |
72.25 |
91.33 |
112 |
121 |
130 |
22.60 |
24.03 |
40.50 |
33.83 |
31.30 |
| Revenue | 457 |
457 |
472 |
463 |
468 |
424 |
522 |
554 |
587 |
611 |
602 |
150 |
146 |
162 |
152 |
141 |
| Selling, General, &Admin. Expense | 127 |
132 |
140 |
147 |
149 |
161 |
187 |
194 |
197 |
221 |
221 |
56.33 |
56.26 |
54.91 |
53.86 |
55.73 |
| Credit Losses Provision | 7.35 |
8.00 |
4.34 |
9.27 |
11.88 |
28.28 |
47.99 |
49.46 |
53.34 |
25.55 |
21.62 |
5.70 |
7.41 |
7.25 |
5.20 |
1.77 |
| Other Expenses | 51.37 |
57.67 |
65.48 |
68.81 |
74.29 |
103 |
96.58 |
100 |
113 |
125 |
127 |
31.80 |
28.22 |
31.11 |
34.15 |
33.16 |
| Earnings Before DDA | 271 |
259 |
263 |
238 |
233 |
132 |
190 |
211 |
223 |
239 |
233 |
56.22 |
54.22 |
69.05 |
59.14 |
50.68 |
| Depreciation, Depletion and Amortization | 38.14 |
30.62 |
32.40 |
34.70 |
28.31 |
21.85 |
22.20 |
23.57 |
25.70 |
28.26 |
28.40 |
6.42 |
7.03 |
7.20 |
7.61 |
6.55 |
| Operating Income | 233 |
229 |
230 |
204 |
205 |
111 |
168 |
187 |
197 |
210 |
205 |
49.81 |
47.19 |
61.85 |
51.53 |
44.12 |
| Net Income | 153 |
154 |
163 |
164 |
153 |
93.59 |
116 |
131 |
134 |
144 |
140 |
34.53 |
32.82 |
39.45 |
36.83 |
31.31 |
| Preferred dividends | -- |
-- |
-- |
-- |
-- |
2.09 |
19.52 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Earnings per Share ($) | 1.04 |
1.06 |
1.06 |
1.05 |
1.00 |
0.58 |
0.58 |
0.74 |
0.75 |
0.73 |
0.72 |
0.17 |
0.17 |
0.20 |
0.19 |
0.16 |
| Total Shares Outstanding | 147 |
147 |
154 |
157 |
154 |
159 |
167 |
178 |
178 |
197 |
199 |
207 |
197 |
197 |
198 |
199 |
| 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 | 218 |
163 |
260 |
244 |
228 |
581 |
661 |
366 |
379 |
853 |
970 |
501 |
452 |
605 |
853 |
970 |
| Money Market Investments | -- |
-- |
-- |
175 |
9.00 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Loan | 6,108 |
6,869 |
8,059 |
8,262 |
8,427 |
10,055 |
9,294 |
9,241 |
9,691 |
11,013 |
10,825 |
11,033 |
11,324 |
11,169 |
11,013 |
10,825 |
| Securities & Investments | 3,042 |
3,179 |
3,272 |
2,884 |
2,885 |
2,624 |
2,970 |
2,991 |
2,547 |
2,430 |
2,543 |
2,732 |
2,516 |
2,321 |
2,430 |
2,543 |
| Accounts Receivable | 40.45 |
46.74 |
57.28 |
63.36 |
56.58 |
67.13 |
63.23 |
155 |
127 |
97.37 |
97.59 |
127 |
115 |
107 |
97.37 |
97.59 |
| Property, Plant and Equipment | 129 |
161 |
183 |
209 |
228 |
256 |
266 |
266 |
265 |
279 |
277 |
273 |
274 |
276 |
279 |
277 |
| Intangible Assets | 52.05 |
45.89 |
217 |
211 |
205 |
321 |
321 |
344 |
339 |
459 |
463 |
449 |
447 |
449 |
459 |
463 |
| Other Assets | 292 |
299 |
388 |
347 |
711 |
814 |
709 |
782 |
896 |
882 |
853 |
836 |
891 |
844 |
882 |
853 |
| Total Assets | 9,881 |
10,763 |
12,436 |
12,395 |
12,749 |
14,718 |
14,284 |
14,144 |
14,245 |
16,013 |
16,029 |
15,950 |
16,018 |
15,771 |
16,013 |
16,029 |
| Total Deposits | 7,163 |
7,519 |
8,570 |
8,488 |
8,091 |
9,233 |
9,547 |
9,364 |
9,673 |
11,264 |
11,303 |
10,957 |
10,872 |
10,921 |
11,264 |
11,303 |
| Accounts Payable | -- |
-- |
-- |
-- |
-- |
298 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Current Portion of Long-Term Debt | 377 |
510 |
583 |
363 |
605 |
640 |
216 |
192 |
213 |
154 |
147 |
411 |
523 |
289 |
154 |
147 |
| Long-Term Debt | 1,547 |
1,890 |
2,246 |
2,485 |
2,964 |
3,174 |
3,127 |
3,121 |
2,912 |
2,886 |
2,887 |
2,917 |
2,915 |
2,889 |
2,886 |
2,887 |
| Other liabilities | 140 |
137 |
106 |
110 |
139 |
9.41 |
140 |
172 |
181 |
206 |
184 |
172 |
205 |
159 |
206 |
184 |
| Total Liabilities | 9,228 |
10,056 |
11,504 |
11,445 |
11,800 |
13,355 |
13,031 |
12,849 |
12,978 |
14,510 |
14,521 |
14,457 |
14,515 |
14,258 |
14,510 |
14,521 |
| Common Stock | 33.30 |
34.93 |
39.30 |
41.21 |
43.19 |
48.23 |
-- |
-- |
-- |
-- |
-- | -- |
69.31 |
-- |
-- |
-- |
| Preferred Stock | -- |
-- |
-- |
-- |
-- |
292 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Retained Earnings | 288 |
232 |
177 |
97.64 |
104 |
85.23 |
73.59 |
79.80 |
90.01 |
93.50 |
92.45 |
92.17 |
92.93 |
100 |
93.50 |
92.45 |
| Additional Paid-In Capital | 319 |
438 |
741 |
881 |
880 |
1,095 |
1,233 |
1,235 |
1,239 |
1,460 |
1,464 |
1,450 |
1,454 |
1,457 |
1,460 |
1,464 |
| Treasury Stock | -7.70 |
-0.69 |
-2.14 |
-39.41 |
-65.26 |
-47.55 |
-34.21 |
-14.25 |
-0.41 |
-0.55 |
-0.51 |
-0.06 |
-0.02 |
-0.16 |
-0.55 |
-0.51 |
| Total Equity | 653 |
708 |
932 |
950 |
949 |
1,364 |
1,253 |
1,295 |
1,266 |
1,502 |
1,508 |
1,493 |
1,503 |
1,513 |
1,502 |
1,508 |
| 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 | 153 |
154 |
163 |
164 |
153 |
93.59 |
116 |
131 |
134 |
144 |
140 |
34.53 |
32.82 |
39.45 |
36.83 |
31.31 |
| Depreciation, Depletion and Amortization | 38.14 |
30.62 |
32.40 |
34.70 |
28.31 |
21.85 |
22.20 |
23.57 |
25.70 |
28.26 |
28.40 |
6.42 |
7.03 |
7.20 |
7.61 |
6.55 |
| Cash Flow from Others | 31.67 |
-23.45 |
-79.75 |
32.26 |
800 |
823 |
-33.71 |
124 |
31.99 |
151 |
53.45 |
100 |
-20.09 |
26.66 |
44.40 |
2.48 |
| Cash Flow from Operations | 223 |
162 |
116 |
231 |
981 |
938 |
105 |
279 |
191 |
323 |
222 |
141 |
19.76 |
73.31 |
88.84 |
40.34 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-29.88 |
-25.28 |
-14.60 |
-16.40 |
-22.74 |
-22.35 |
-3.81 |
-4.60 |
-6.80 |
-7.53 |
-3.42 |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-- |
-- |
35.38 |
-0.29 |
44.23 |
-- |
118 |
-- | 118 |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | -834 |
-962 |
-491 |
136 |
-1,355 |
-1,306 |
429 |
429 |
-193 |
184 |
314 |
-53.79 |
-65.74 |
321 |
-18.22 |
76.75 |
| Net Issuance of Stock | -31.90 |
0.26 |
-4.21 |
-45.29 |
-33.33 |
1.99 |
140 |
8.39 |
8.03 |
7.81 |
7.45 |
1.84 |
2.37 |
1.97 |
1.63 |
1.48 |
| Net Issuance of Preferred Stock | -- |
-- |
-- |
-- |
-- |
300 |
-300 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Issuance of Debt | 220 |
476 |
386 |
19.38 |
722 |
84.84 |
-485 |
-58.58 |
-186 |
-126 |
-291 |
158 |
112 |
-260 |
-136 |
-8.06 |
| Cash Flow for Dividends | -82.93 |
-86.68 |
-92.84 |
-99.25 |
-99.96 |
-103 |
-109 |
-115 |
-117 |
-126 |
-129 |
-29.36 |
-32.38 |
-32.06 |
-32.09 |
-32.15 |
| Other Financing | 480 |
356 |
182 |
-82.35 |
-397 |
427 |
301 |
-838 |
309 |
211 |
345 |
-96.21 |
-85.51 |
49.12 |
343 |
38.57 |
| Cash Flow from Financing | 585 |
745 |
471 |
-208 |
192 |
711 |
-453 |
-1,003 |
14.27 |
-32.97 |
-67.29 |
34.17 |
-3.14 |
-241 |
177 |
-0.15 |
| Net Change in Cash | -25.76 |
-54.80 |
96.67 |
159 |
-182 |
343 |
80.83 |
-295 |
12.76 |
474 |
469 |
122 |
-49.12 |
154 |
248 |
117 |
| Free Cash Flow | 223 |
162 |
116 |
231 |
981 |
908 |
79.27 |
264 |
175 |
301 |
200 |
138 |
15.16 |
66.51 |
81.32 |
36.92 |
| 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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| 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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