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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 0.1 | -1.9 | -5.9 |
| EBITDA Growth (%) | -14.2 | -2 | 5.2 |
| Free Cash Flow Growth (%) | -3.2 | -2.5 | 17.6 |
| Book Value Growth (%) | 1.2 | 0.9 | 11.2 |
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 ($) | 4.30 |
5.01 |
5.62 |
4.95 |
4.67 |
4.48 |
5.61 |
5.61 |
4.76 |
4.42 |
4.34 |
1.13 |
1.07 |
1.07 |
1.14 |
1.06 |
| EBITDA per Share | 2.70 |
3.20 |
3.84 |
3.02 |
2.31 |
1.29 |
0.87 |
1.37 |
1.26 |
0.97 |
1.02 |
0.20 |
0.24 |
0.24 |
0.29 |
0.25 |
| Free Cashflow per Share | 3.09 |
2.53 |
2.63 |
2.23 |
2.26 |
2.46 |
1.76 |
2.78 |
2.30 |
1.90 |
2.20 |
0.64 |
0.80 |
0.47 |
-0.01 |
0.94 |
| Earnings per Share ($) | 1.66 |
2.00 |
2.26 |
1.80 |
1.36 |
0.83 |
0.30 |
0.78 |
0.70 |
0.55 |
0.59 |
0.11 |
0.13 |
0.14 |
0.18 |
0.14 |
| Dividends Per Share | 0.57 |
0.67 |
0.80 |
0.96 |
1.04 |
1.04 |
0.52 |
0.52 |
0.52 |
0.25 |
0.16 |
0.13 |
0.04 |
0.04 |
0.04 |
0.04 |
| Book Value per Share | 12.05 |
12.47 |
13.06 |
12.50 |
13.15 |
13.03 |
13.34 |
13.53 |
13.42 |
13.56 |
13.53 |
13.37 |
13.49 |
13.55 |
13.49 |
13.53 |
| Month End Stock Price | 25.02 |
26.75 |
29.40 |
30.16 |
23.27 |
16.48 |
12.43 |
13.91 |
8.49 |
9.36 |
9.86 |
9.86 |
9.80 |
9.88 |
9.36 |
9.86 |
| 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 % | 14.10 |
16.00 |
17.30 |
14.40 |
10.30 |
6.40 |
2.30 |
5.90 |
5.40 |
4.10 |
4.00 |
3.20 |
4.00 |
4.00 |
5.20 |
4.00 |
| Return on Assets % | 0.90 |
0.90 |
1.00 |
0.80 |
0.60 |
0.30 |
0.10 |
0.40 |
0.40 |
0.30 |
0.40 |
0.40 |
0.40 |
0.40 |
0.40 |
0.40 |
| Return on Capital - Joel Greenblatt % | -- |
1,780 |
-- |
2,318 |
385 |
164 |
59.60 |
174 |
-- |
-- |
-- | -- |
-- |
2,473 |
-- |
-- |
| Debt to Equity | 1.71 |
1.75 |
1.60 |
1.94 |
2.85 |
3.48 |
2.80 |
2.23 |
1.94 |
2.24 |
1.61 |
2.15 |
2.94 |
2.71 |
2.24 |
1.61 |
| Operating Margin % | 58.80 |
59.10 |
60.60 |
54.00 |
40.80 |
25.70 |
7.60 |
22.30 |
23.80 |
19.20 |
21.10 |
14.40 |
19.60 |
19.90 |
22.90 |
21.10 |
| Net Margin % | 39.40 |
39.90 |
40.20 |
36.30 |
29.00 |
18.50 |
5.40 |
14.30 |
15.10 |
12.60 |
13.50 |
9.30 |
12.60 |
13.00 |
15.50 |
13.50 |
| Debt to Revenue | 4.80 |
4.34 |
3.71 |
4.89 |
8.04 |
10.12 |
6.64 |
5.38 |
5.45 |
6.87 |
22.55 |
25.37 |
36.95 |
34.21 |
26.57 |
22.55 |
| Interest Exp. to Revenue % | 76.05 |
85.46 |
82.41 |
81.04 |
77.60 |
97.25 |
84.31 |
84.23 |
84.49 |
82.63 |
82.14 |
81.84 |
84.87 |
83.84 |
80.15 |
82.14 |
| Asset Turnover | 0.02 |
0.02 |
0.03 |
0.02 |
0.02 |
0.02 |
0.03 |
0.03 |
0.03 |
0.03 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
| Dividend Payout Ratio | 0.34 |
0.33 |
0.35 |
0.53 |
0.77 |
1.25 |
1.70 |
0.65 |
0.72 |
0.45 |
0.28 |
1.24 |
0.30 |
0.29 |
0.23 |
0.28 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 380 |
471 |
479 |
390 |
334 |
395 |
429 |
434 |
375 |
348 |
344 |
88.20 |
86.67 |
86.00 |
87.41 |
84.03 |
| Non Interest Income | 120 |
80.08 |
102 |
91.35 |
96.27 |
11.18 |
79.80 |
81.19 |
68.92 |
73.24 |
71.95 |
19.57 |
15.45 |
16.57 |
21.64 |
18.28 |
| Revenue | 499 |
551 |
581 |
482 |
430 |
407 |
509 |
515 |
444 |
422 |
416 |
108 |
102 |
103 |
109 |
102 |
| Selling, General, &Admin. Expense | 116 |
125 |
128 |
124 |
131 |
134 |
173 |
174 |
197 |
193 |
181 |
55.20 |
45.99 |
45.10 |
46.61 |
43.52 |
| Credit Losses Provision | -- |
-- |
-- |
-- |
2.50 |
69.00 |
200 |
115 |
37.00 |
40.40 |
39.53 |
10.00 |
10.00 |
9.50 |
10.90 |
9.13 |
| Other Expenses | 70.05 |
73.53 |
55.18 |
63.85 |
83.94 |
86.18 |
56.76 |
99.90 |
92.66 |
95.38 |
96.40 |
24.04 |
23.14 |
24.58 |
23.62 |
25.06 |
| Earnings Before DDA | 313 |
352 |
398 |
294 |
213 |
117 |
78.94 |
126 |
118 |
92.83 |
98.91 |
18.53 |
22.99 |
23.39 |
27.91 |
24.60 |
| Depreciation, Depletion and Amortization | 19.65 |
26.22 |
45.32 |
33.80 |
37.22 |
12.91 |
40.42 |
11.29 |
11.68 |
11.86 |
11.86 |
2.97 |
2.97 |
2.96 |
2.96 |
2.97 |
| Operating Income | 293 |
326 |
352 |
260 |
176 |
104 |
38.51 |
115 |
106 |
80.97 |
87.04 |
15.56 |
20.02 |
20.43 |
24.96 |
21.63 |
| Net Income | 197 |
220 |
234 |
175 |
125 |
75.34 |
27.68 |
73.73 |
67.21 |
53.09 |
56.95 |
10.00 |
12.82 |
13.36 |
16.92 |
13.85 |
| Preferred dividends | 4.50 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Earnings per Share ($) | 1.66 |
2.00 |
2.26 |
1.80 |
1.36 |
0.83 |
0.30 |
0.78 |
0.70 |
0.55 |
0.59 |
0.11 |
0.13 |
0.14 |
0.18 |
0.14 |
| Total Shares Outstanding | 116 |
110 |
103 |
97.28 |
92.09 |
90.69 |
90.60 |
91.78 |
93.25 |
95.46 |
96.68 |
95.02 |
95.33 |
95.56 |
95.91 |
96.68 |
| 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 | 174 |
139 |
169 |
134 |
93.97 |
76.23 |
71.54 |
67.48 |
133 |
121 |
128 |
122 |
379 |
114 |
121 |
128 |
| Money Market Investments | 279 |
164 |
328 |
225 |
226 |
24.06 |
40.03 |
51.54 |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Loan | 12,627 |
13,204 |
14,335 |
14,908 |
16,082 |
16,599 |
15,621 |
14,066 |
13,150 |
13,155 |
12,799 |
13,254 |
13,594 |
13,431 |
13,155 |
12,799 |
| Securities & Investments | 8,448 |
8,710 |
6,572 |
5,340 |
4,371 |
4,037 |
3,179 |
2,566 |
2,475 |
2,036 |
2,138 |
2,515 |
2,372 |
2,279 |
2,036 |
2,138 |
| Accounts Receivable | 77.96 |
79.14 |
80.32 |
78.76 |
79.13 |
79.59 |
66.12 |
55.49 |
46.53 |
41.69 |
42.50 |
45.72 |
44.97 |
46.35 |
41.69 |
42.50 |
| Property, Plant and Equipment | 160 |
157 |
151 |
145 |
140 |
140 |
136 |
133 |
120 |
116 |
115 |
118 |
118 |
117 |
116 |
115 |
| Intangible Assets | 185 |
185 |
185 |
201 |
198 |
193 |
194 |
194 |
193 |
192 |
194 |
193 |
193 |
192 |
192 |
194 |
| Other Assets | 507 |
778 |
559 |
522 |
530 |
833 |
945 |
955 |
905 |
835 |
795 |
865 |
873 |
859 |
835 |
795 |
| Total Assets | 22,458 |
23,416 |
22,380 |
21,555 |
21,719 |
21,982 |
20,252 |
18,089 |
17,022 |
16,497 |
16,211 |
17,112 |
17,573 |
17,038 |
16,497 |
16,211 |
| Total Deposits | 11,187 |
12,323 |
12,810 |
13,224 |
13,049 |
13,480 |
12,812 |
11,599 |
11,246 |
10,444 |
10,445 |
11,113 |
10,714 |
10,539 |
10,444 |
10,445 |
| Accounts Payable | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
272 |
268 |
-- |
-- |
-- |
272 |
268 |
| Current Portion of Long-Term Debt | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Long-Term Debt | 2,393 |
2,390 |
2,158 |
2,356 |
3,455 |
4,115 |
3,378 |
2,769 |
2,422 |
2,897 |
2,307 |
2,734 |
3,773 |
3,509 |
2,897 |
2,307 |
| Other liabilities | 7,481 |
7,333 |
6,062 |
4,759 |
4,004 |
3,205 |
2,853 |
2,479 |
2,104 |
1,590 |
1,753 |
1,995 |
1,800 |
1,695 |
1,590 |
1,753 |
| Total Liabilities | 21,061 |
22,046 |
21,030 |
20,339 |
20,508 |
20,800 |
19,044 |
16,847 |
15,771 |
15,203 |
14,773 |
15,841 |
16,288 |
15,743 |
15,203 |
14,773 |
| Common Stock | 1.11 |
1.67 |
1.67 |
1.67 |
1.67 |
-- |
1.67 |
1.67 |
1.67 |
1.67 |
1.67 |
1.67 |
1.67 |
1.67 |
1.67 |
1.67 |
| Preferred Stock | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
130 |
-- |
-- |
-- |
-- |
130 |
| Retained Earnings | 1,482 |
1,624 |
1,775 |
1,857 |
1,884 |
1,864 |
1,829 |
1,848 |
1,862 |
1,891 |
1,896 |
1,860 |
1,870 |
1,878 |
1,891 |
1,896 |
| Additional Paid-In Capital | 799 |
812 |
824 |
829 |
846 |
856 |
858 |
865 |
875 |
885 |
882 |
876 |
882 |
883 |
885 |
882 |
| Treasury Stock | -812 |
-1,014 |
-1,172 |
-1,390 |
-1,460 |
-1,459 |
-1,434 |
-1,418 |
-1,404 |
-1,407 |
-1,397 |
-1,406 |
-1,410 |
-1,407 |
-1,407 |
-1,397 |
| Total Equity | 1,397 |
1,370 |
1,350 |
1,216 |
1,211 |
1,182 |
1,209 |
1,242 |
1,251 |
1,294 |
1,437 |
1,270 |
1,286 |
1,295 |
1,294 |
1,437 |
| 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 | 197 |
220 |
234 |
175 |
125 |
75.34 |
27.68 |
73.73 |
67.21 |
53.09 |
56.95 |
10.00 |
12.82 |
13.36 |
16.92 |
13.85 |
| Depreciation, Depletion and Amortization | 19.65 |
26.22 |
45.32 |
33.80 |
37.22 |
12.91 |
40.42 |
11.29 |
11.68 |
11.86 |
11.86 |
2.97 |
2.97 |
2.96 |
2.96 |
2.97 |
| Cash Flow from Others | 142 |
31.68 |
-7.56 |
8.02 |
45.80 |
148 |
100 |
180 |
149 |
122 |
149 |
49.21 |
62.85 |
30.61 |
-20.21 |
76.13 |
| Cash Flow from Operations | 358 |
277 |
272 |
217 |
208 |
236 |
168 |
265 |
228 |
187 |
218 |
62.18 |
78.65 |
46.93 |
-0.34 |
92.95 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-13.17 |
-8.96 |
-9.97 |
-12.98 |
-6.44 |
-6.84 |
-1.46 |
-2.85 |
-1.59 |
-0.54 |
-1.86 |
| Cash Flow from Investing | -1,417 |
-817 |
960 |
635 |
-302 |
-366 |
1,666 |
2,017 |
936 |
378 |
761 |
-169 |
-246 |
229 |
564 |
214 |
| Net Issuance of Stock | -250 |
-225 |
-181 |
-229 |
-70.89 |
-18.09 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Issuance of Preferred Stock | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
135 |
-- |
-- |
-- |
-- |
135 |
| Net Issuance of Debt | 810 |
-165 |
-1,530 |
-1,104 |
348 |
-220 |
-1,108 |
-1,014 |
-748 |
256 |
-414 |
243 |
829 |
-361 |
-455 |
-427 |
| Cash Flow for Dividends | -72.08 |
-71.98 |
-81.20 |
-92.10 |
-95.18 |
-93.81 |
-47.76 |
-48.69 |
-49.44 |
-24.10 |
-15.48 |
-12.55 |
-3.85 |
-3.86 |
-3.86 |
-3.92 |
| Other Financing | 132 |
1,168 |
506 |
427 |
-175 |
444 |
-668 |
-1,212 |
-352 |
-808 |
-678 |
-135 |
-400 |
-177 |
-96.99 |
-4.44 |
| Cash Flow from Financing | 620 |
706 |
-1,286 |
-998 |
6.83 |
113 |
-1,823 |
-2,275 |
-1,150 |
-576 |
-973 |
95.89 |
425 |
-541 |
-556 |
-300 |
| Net Change in Cash | -438 |
167 |
-54.35 |
-146 |
-87.52 |
-17.90 |
11.28 |
7.45 |
13.69 |
-11.23 |
6.18 |
-11.05 |
257 |
-266 |
7.90 |
6.36 |
| Free Cash Flow | 358 |
277 |
272 |
217 |
208 |
223 |
159 |
255 |
215 |
181 |
211 |
60.71 |
75.80 |
45.33 |
-0.87 |
91.08 |
| 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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