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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) -5.9  9.1  17.4 
EBITDA Growth (%) -8.5  -7.1  -72 
Free Cash Flow Growth (%) -63.3 
Book Value Growth (%) 0.9  10  9.4 

*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 ($)
7.81
9.00
8.87
7.79
5.53
4.56
4.60
4.89
5.31
6.57
6.68
1.62
1.64
1.66
1.65
1.73
EBITDA per Share
0.49
0.41
1.13
0.73
1.05
0.42
0.51
0.15
0.64
0.26
0.23
0.22
0.16
0.17
-0.29
0.19
Free Cashflow per Share
0.61
0.26
0.51
0.01
-0.02
-0.29
-0.04
0.22
0.41
0.28
0.18
-0.04
0.06
0.05
0.21
-0.14
Earnings per Share ($)
0.25
0.18
-0.21
0.33
0.25
-0.25
-0.08
0.09
0.12
0.18
0.15
0.07
0.03
0.04
0.04
0.04
Dividends Per Share
--
--
--
--
--
--
--
--
--
0.02
0.02
0.02
--
--
--
0.02
Book Value per Share
3.95
4.21
3.86
4.09
3.95
3.45
3.47
3.70
4.32
4.97
4.91
4.49
4.76
5.00
4.99
4.91
Month End Stock Price
3.00
3.10
2.70
2.96
1.40
0.74
1.28
2.03
1.97
3.09
3.33
2.88
2.75
2.74
3.09
3.33
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
7.90
5.60
-3.90
9.50
8.30
-5.10
-1.60
3.00
3.40
4.20
3.60
6.80
3.20
4.00
3.60
3.60
Return on Assets %
1.50
1.10
-0.70
1.90
1.60
-1.50
-0.50
0.90
1.10
1.40
1.20
2.40
1.20
1.20
1.20
1.20
Debt to Equity
0.65
0.60
0.64
0.57
0.62
0.55
0.53
0.50
0.43
--
--
0.43
0.41
0.39
--
--
   
Operating Margin %
5.60
3.90
-2.10
8.90
18.90
-1.00
1.30
2.70
2.80
3.60
2.80
5.00
2.40
2.70
4.40
2.80
Net Margin %
4.00
2.60
-1.70
5.00
5.90
-3.90
-1.20
2.30
2.80
3.20
2.50
4.80
2.20
3.10
2.60
2.50
   
Debt to Revenue
0.33
0.28
0.28
0.30
0.44
0.41
0.40
0.38
0.35
--
--
1.19
1.18
1.17
--
--
Interest Exp. to Revenue %
-1.82
-1.62
-1.95
-2.57
-3.38
-3.31
-2.68
-2.39
-2.20
-1.88
-1.57
-1.90
-1.88
-1.88
-1.87
-1.57
   
Asset Turnover
0.39
0.40
0.40
0.39
0.27
0.37
0.39
0.39
0.39
0.44
0.12
0.12
0.11
0.11
0.11
0.12
Buyback Ratio
-0.40
-3.10
1.10
-78.50
-0.30
--
--
--
-6.70
-6.70
--
--
-12.80
-0.60
-20.90
--
Dividend Payout Ratio
--
--
--
--
--
--
--
--
--
0.10
0.46
0.26
--
--
--
0.46
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Total Premiums Earned
155
171
178
154
97.82
91.38
91.46
97.61
107
127
129
30.68
31.59
32.38
32.09
33.02
Net Investment Income
15.63
15.86
16.69
18.32
11.72
11.81
10.69
9.74
10.59
11.50
11.53
2.88
2.86
2.88
2.89
2.91
Fees and Other Income
1.26
3.38
-9.19
7.50
13.43
-3.46
0.56
1.85
0.27
1.58
1.32
0.99
0.51
0.04
0.05
0.73
Revenue
172
190
185
180
123
99.73
103
109
118
140
142
34.55
34.95
35.30
35.02
36.65
   
Policyholder Benefits & Claims
205
226
231
184
117
56.83
60.78
66.85
73.61
89.82
104
22.67
29.83
28.76
21.76
23.36
Policy Acquisition Expense
46.81
56.09
58.38
56.11
32.66
30.82
28.38
28.10
29.54
32.48
34.73
7.03
7.97
8.96
8.51
9.28
Earnings Before DDA
10.78
8.75
23.49
16.85
23.37
9.24
11.33
3.31
14.18
5.55
4.71
4.79
3.49
3.52
-6.25
3.95
   
Depreciation, Depletion and Amortization
1.14
1.36
27.34
0.96
0.11
10.23
9.98
0.38
10.86
0.47
0.34
3.07
2.64
2.56
-7.80
2.94
   
Operating Income
9.65
7.39
-3.85
15.89
23.26
-0.99
1.35
2.93
3.32
5.08
4.37
1.72
0.85
0.96
1.55
1.01
Net Income
6.84
5.02
-3.18
8.94
7.25
-3.88
-1.21
2.49
3.29
4.44
3.70
1.66
0.78
1.08
0.91
0.92
   
Preferred dividends
1.35
1.22
1.21
1.33
1.69
1.53
0.51
0.51
0.51
0.51
0.51
0.13
0.13
0.13
0.13
0.13
Earnings per Share ($)
0.25
0.18
-0.21
0.33
0.25
-0.25
-0.08
0.09
0.12
0.18
0.15
0.07
0.03
0.04
0.04
0.04
Total Shares Outstanding
21.98
21.12
20.86
23.04
22.24
21.87
22.31
22.35
22.27
21.29
21.18
21.35
21.35
21.29
21.20
21.18
Balance SheetAnnuals (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
--
--
--
--
--
--
--
--
--
--
224
217
222
230
--
224
Equity Investments
--
--
--
--
--
--
--
--
--
12.21
13.82
8.88
10.16
11.54
12.21
13.82
Net Loan
--
--
--
--
1.96
--
--
--
--
2.34
2.29
2.26
2.28
2.32
2.34
2.29
Cash and cash equivalents
--
--
--
--
--
37.32
20.13
28.33
21.29
18.95
18.78
18.04
21.86
19.14
18.95
18.78
Accounts Receivable
83.96
110
95.05
89.47
19.92
22.66
17.51
36.79
23.96
6.33
6.87
24.73
22.01
25.53
6.33
6.87
Deferred Policy Acquisition Costs
28.00
30.36
27.84
24.42
18.83
19.16
19.45
21.24
24.26
26.13
26.61
24.73
25.45
25.91
26.13
26.61
Intangible Assets
3.01
3.01
3.01
3.01
2.39
2.13
2.13
2.13
2.13
2.13
2.13
2.13
2.13
2.13
2.13
2.13
Total Assets
444
471
460
459
458
267
262
278
302
320
314
301
309
319
320
314
   
Unpaid Loss & Loss Reserve
264
292
286
268
128
--
--
53.96
--
--
60.12
61.78
59.81
61.88
--
60.12
Unearned Premiums
61.15
70.26
60.88
50.72
18.95
--
--
21.17
--
--
21.62
22.42
22.86
22.25
--
21.62
Future Policy Benefits
47.23
49.89
51.36
52.02
55.55
--
--
60.81
--
155
67.60
64.09
64.99
66.15
155
67.60
Policyholder Funds
--
--
--
1.82
1.88
--
--
1.96
--
--
1.63
1.60
1.61
1.42
--
1.63
Current Portion of Long-Term Debt
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Other liabilities
-107
-120
-112
-105
75.97
131
129
-0.00
151
48.40
47.52
2.50
5.22
7.24
48.40
47.52
Long-Term Debt
56.24
53.24
51.49
53.99
53.99
41.24
41.24
41.24
41.24
--
--
41.24
41.24
41.24
--
--
Total Liabilities
357
382
380
364
370
191
185
195
206
214
210
205
207
213
214
210
   
Common Stock
21.41
21.41
21.41
21.48
21.82
22.37
22.37
22.37
22.40
22.40
22.40
22.40
22.40
22.40
22.40
22.40
Preferred Stock
0.14
0.13
0.13
0.20
0.20
0.07
0.07
0.07
0.07
0.07
0.07
0.07
0.07
0.07
0.07
0.07
Retained Earnings
-4.46
0.46
-2.78
4.97
10.53
5.12
3.40
5.39
6.18
8.62
8.99
7.28
7.94
8.90
8.62
8.99
Additional Paid-In Capital
51.98
50.37
48.95
55.83
56.41
57.11
57.13
57.13
57.14
57.18
57.18
57.14
57.16
57.16
57.18
57.18
Treasury Stock
-0.45
-0.60
-0.08
-0.01
--
-0.06
-0.10
-0.16
-1.75
-2.11
-2.38
-1.75
-1.72
-2.23
-2.11
-2.38
Total Equity
86.89
88.96
80.45
94.19
87.79
75.41
77.47
82.69
96.28
106
104
95.92
102
106
106
104
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
6.84
5.02
-3.18
8.94
7.25
-3.88
-1.21
2.49
3.29
4.44
3.70
1.66
0.78
1.08
0.91
0.92
Depreciation, Depletion and Amortization
1.14
1.36
27.34
0.96
0.11
10.23
9.98
0.38
10.86
0.47
0.34
3.07
2.64
2.56
-7.80
2.94
Cash Flow from Others
5.93
-0.35
-12.90
-9.40
-7.38
-12.50
-9.54
2.03
-5.03
1.21
-0.03
-5.45
-1.99
-2.64
11.30
-6.69
Cash Flow from Operations
13.92
6.03
11.27
0.50
-0.02
-6.15
-0.77
4.90
9.13
6.12
4.01
-0.72
1.43
1.01
4.41
-2.83
   
Investment for Property, Plant & Equipement
-0.43
-0.58
-0.68
-0.30
-0.45
-0.15
-0.10
-0.05
-0.06
-0.17
-0.18
-0.07
-0.08
-0.01
-0.01
-0.08
Cash Flow from Acquisitions
--
--
--
--
--
43.39
--
--
--
--
--
--
--
--
--
--
Cash Flow from Investing
-23.63
4.80
-8.60
-24.42
25.06
19.02
-15.87
3.86
-14.12
-5.64
-0.69
-2.02
2.77
-3.23
-3.17
2.93
   
Net Issuance of Stock
-0.37
-0.59
-0.10
6.95
-0.00
-0.06
-0.05
-0.06
-1.60
-0.31
-0.58
--
0.05
-0.50
0.14
-0.27
Net Issuance of Preferred Stock
-2.00
-0.50
--
--
--
-13.40
--
--
--
--
--
--
--
--
--
--
Net Issuance of Debt
4.82
-3.00
-1.75
2.50
--
-12.75
--
--
--
--
--
--
--
--
--
--
Cash Flow for Dividends
-0.14
-0.01
--
--
--
-1.68
-0.51
-0.51
-0.45
-2.50
-1.99
-0.51
-0.43
0.00
-1.57
--
Other Financing
0.00
0.00
-0.00
--
--
-0.00
--
--
0.00
--
0.00
--
--
0.00
--
--
Cash Flow from Financing
2.31
-4.10
-1.85
9.45
-0.00
-27.88
-0.55
-0.57
-2.05
-2.81
-2.58
-0.51
-0.38
-0.50
-1.43
-0.27
   
Net Change in Cash
-7.40
6.72
0.82
-14.48
25.04
-15.01
-17.19
8.20
-7.04
-2.33
0.74
-3.25
3.82
-2.72
-0.19
-0.17
   
Free Cash Flow
13.49
5.45
10.59
0.20
-0.46
-6.30
-0.87
4.85
9.07
5.95
3.83
-0.80
1.35
1.00
4.40
-2.91
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
Price to Tangible Book 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
Price-to-Free-Cash-Flow ratio 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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EV-to-Revenue 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
EV-to-EBITDA 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
EV-to-EBIT 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
Earnings Yield (Joel Greenblatt) 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
Forward Rate of Return 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
Shiller PE Ratio 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
Valuation and QualityAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Market Cap 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
Enterprise Value 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
Month End Stock Price 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
Net Cash (per share) 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
Net Current Asset Value (per share) 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
DCF (per share) 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
Median PS (per share) 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
Peter Lynch Fair Value (per share) 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
Graham Number (per share) 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
Altman Z-Score 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
Piotroski F-Score 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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