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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 9.10  7.90  -5.30 
EBITDA Growth (%) 12.40  19.90  12.30 
EBIT Growth (%) 11.40  19.00  12.30 
Free Cash Flow Growth (%) 15.80  20.30  -29.10 
Book Value Growth (%) 9.90  16.00  -8.20 

*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.
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* Preliminary data is from the companies’ press releases. 10-Q/K data is not available yet. Preliminary data is not used in the calculation of Ratios, Scores, or Rankings.
Per Share DataAnnualsQuarterly
Fiscal Period
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 TTM Dec12 Mar13 Jun13 Sep13 Dec13
   
Revenue per Share ($)
25.72
28.29
29.13
31.16
34.57
38.92
43.82
47.24
54.05
51.22
51.20
13.56
13.23
12.92
12.59
12.46
EBITDA per Share ($)
3.48
4.43
4.55
5.11
4.06
4.92
7.84
6.70
9.72
10.93
10.92
2.03
3.05
3.05
2.44
2.38
EBIT per Share ($)
3.48
4.43
4.55
5.06
4.00
4.76
7.53
6.29
9.17
10.30
10.30
1.87
2.90
2.90
2.29
2.21
Earnings per Share (diluted) ($)
2.45
2.92
2.95
3.31
2.62
3.19
4.92
4.12
6.11
6.76
6.75
1.24
1.90
1.90
1.50
1.45
Free Cashflow per Share ($)
8.65
8.70
8.72
9.33
10.37
13.13
14.77
23.10
31.86
22.56
22.57
7.44
8.17
3.99
3.13
7.28
Dividends Per Share
0.38
0.44
0.55
0.80
0.96
1.12
1.14
1.23
1.34
1.42
1.42
0.35
0.35
0.35
0.35
0.37
Book Value Per Share ($)
14.97
15.84
16.87
18.03
14.24
17.96
23.54
27.76
34.16
31.37
31.37
34.16
33.34
29.47
31.52
31.37
Month End Stock Price ($)
39.84
46.42
46.00
62.63
45.84
46.25
56.43
43.26
53.12
66.80
63.05
53.12
52.02
58.12
61.99
66.80
RatiosAnnualsQuarterly
Fiscal Period
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 TTM Dec12 Mar13 Jun13 Sep13 Dec13
   
Return on Equity %
16.71
18.71
17.78
18.58
18.89
17.79
21.06
14.96
17.94
21.60
18.48
14.56
22.96
25.96
19.16
18.48
Return on Assets %
2.13
2.63
2.48
2.48
1.58
1.78
2.30
1.67
2.19
2.60
2.24
1.76
2.96
3.04
2.36
2.24
Return on Capital - Joel Greenblatt %
348.74
502.01
498.47
503.83
139.00
257.19
574.35
178.46
149.63
1,001.25
854.88
122.28
1,033.00
1,065.08
838.44
854.88
Debt to Equity
0.19
0.18
0.17
0.26
0.52
0.62
0.28
0.51
0.55
0.34
0.34
0.55
0.28
0.36
0.34
0.34
   
Gross Margin %
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Operating Margin %
13.52
15.66
15.62
16.23
11.56
12.24
17.18
13.31
16.96
20.12
17.72
13.79
21.92
22.47
18.16
17.72
Net Margin %
9.53
10.33
10.15
10.62
7.58
8.20
11.23
8.74
11.30
13.19
11.64
9.11
14.37
14.71
11.93
11.64
   
Total Equity to Total Asset
0.13
0.14
0.14
0.13
0.08
0.10
0.11
0.11
0.12
0.12
0.12
0.12
0.13
0.12
0.12
0.12
LT Debt to Total Asset
0.02
0.03
0.02
0.04
0.02
0.03
0.03
0.03
0.03
0.04
0.04
0.03
0.04
0.04
0.04
0.04
   
Asset Turnover
0.22
0.26
0.24
0.23
0.21
0.22
0.21
0.19
0.19
0.20
0.05
0.05
0.05
0.05
0.05
0.05
Dividend Payout Ratio
0.16
0.15
0.19
0.24
0.37
0.35
0.23
0.30
0.22
0.21
0.26
0.28
0.18
0.18
0.23
0.26
   
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 TTM Dec12 Mar13 Jun13 Sep13 Dec13
   
Total Premiums Earned
11,302
11,990
12,314
12,973
14,947
16,621
18,073
20,362
22,148
20,135
20,135
5,643
5,184
5,013
5,028
4,910
Net Investment Income
1,957
2,071
2,171
2,333
2,578
2,765
3,007
3,280
3,473
3,293
3,293
876
833
813
821
826
Fees and Other Income
22
302
131
87
-971
-1,132
-348
-1,471
-257
511
511
-144
191
218
37
65
Revenue
13,281
14,363
14,616
15,393
16,554
18,254
20,732
22,171
25,364
23,939
23,939
6,375
6,208
6,044
5,886
5,801
   
Selling, General, &Admin. Expense
--
--
--
1,331
3,203
3,545
3,796
4,061
4,159
3,750
3,750
1,105
926
907
956
961
Advertising
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Net Policyholder Benefits/Claims
8,482
8,890
9,016
9,285
10,499
11,308
12,106
13,749
15,330
13,813
13,813
3,989
3,521
3,411
3,485
3,396
Policy Acquisition Expense
1,647
1,823
1,911
--
--
942
958
1,033
1,117
1,074
1,074
279
283
251
256
284
Research &Development
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
EBITDA
1,796
2,249
2,283
2,526
1,943
2,307
3,710
3,146
4,563
5,109
5,109
954
1,432
1,427
1,140
1,110
Depreciation, Depletion and Amortization
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Operating Income
1,796
2,249
2,283
2,499
1,914
2,235
3,561
2,950
4,302
4,816
4,816
879
1,361
1,358
1,069
1,028
   
Other Income (Minority Interest)
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Pre-Tax Income
1,773
2,226
2,264
2,499
1,914
2,235
3,561
2,950
4,302
4,816
4,816
879
1,361
1,358
1,069
1,028
Tax Provision
-507
-743
-781
-865
-660
-738
-1,233
-1,013
-1,436
-1,658
-1,658
-298
-469
-469
-367
-353
Net Income (Continuing Operations)
1,266
1,483
1,483
1,634
1,254
1,497
2,328
1,937
2,866
3,158
3,158
581
892
889
702
675
Net Income (Discontinued Operations)
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Net Income
1,266
1,483
1,483
1,634
1,254
1,497
2,328
1,937
2,866
3,158
3,158
581
892
889
702
675
   
Preferred dividends
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
EPS (Basic)
2.49
2.96
2.99
3.35
2.65
3.21
4.96
4.16
6.14
6.80
6.79
1.24
1.91
1.91
1.51
1.46
EPS (Diluted)
2.45
2.92
2.95
3.31
2.62
3.19
4.92
4.12
6.11
6.76
6.75
1.24
1.90
1.90
1.50
1.45
Shares Outstanding (Diluted)
516.4
507.7
501.8
494.0
478.8
469.1
473.1
469.4
469.3
467.4
465.5
470.3
469.1
468.0
467.4
465.5
Balance SheetAnnuals (USD $) View: Quarterly
Fiscal Period
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Latest Q. Dec12 Mar13 Jun13 Sep13 Dec13
   
Fixed Maturity Investment
39,246
39,009
42,288
55,404
67,495
70,731
85,951
101,020
115,981
105,432
105,432
115,981
104,613
101,362
103,471
105,432
Equity Investments
77
84
25
28
27
24
23
25
23
21
21
23
24
22
22
21
Short-term investments
--
--
--
61
87
114
135
168
174
463
463
174
167
164
470
463
Net Loan
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Cash and cash equivalents
3,813
1,297
1,203
1,563
941
2,323
2,121
2,249
2,041
2,543
2,543
2,041
2,596
2,388
2,749
2,543
Accounts Receivable
418
584
535
732
920
764
661
680
976
1,165
1,165
976
1,710
889
950
1,165
Deferred Policy Acquisition Costs
5,595
5,590
6,025
6,654
8,237
8,533
9,734
9,789
9,658
8,798
8,798
9,658
9,210
9,028
9,173
8,798
Property, Plant and Equipment
515
448
458
496
597
593
620
617
564
481
481
564
527
510
510
481
Intangible Assets
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Total Assets
59,326
56,361
59,805
65,805
79,331
84,106
101,039
116,237
131,094
121,307
121,307
131,094
120,538
116,313
119,918
121,307
   
Unpaid Loss & Loss Reserve
41,715
41,735
43,231
2,455
3,118
3,270
3,719
3,981
4,034
3,763
3,763
4,034
3,877
3,760
3,853
3,763
Unearned Premiums
593
594
645
693
874
926
1,197
1,704
11,904
10,642
10,642
11,904
11,963
11,551
11,601
10,642
Future Policy Benefits
--
--
--
45,675
59,310
61,501
72,103
79,278
76,463
69,136
69,136
76,463
72,077
70,297
72,744
69,136
Policyholder Funds
--
--
--
1,853
2,917
3,548
5,437
9,630
5,319
5,861
5,861
5,319
5,034
5,018
5,739
5,861
Current Portion of Long-Term Debt
--
--
--
--
1,721
2,599
--
3,285
4,352
--
--
4,352
--
--
--
--
Long-Term Debt
1,429
1,395
1,426
2,273
1,733
2,599
3,038
3,285
4,352
4,897
4,897
4,352
4,283
4,946
4,953
4,897
Total Liabilities
51,750
48,434
51,464
57,010
72,692
75,689
89,983
103,291
115,116
106,687
106,687
115,116
105,003
102,617
105,260
106,687
   
Common Stock
65
65
66
66
--
66
66
66
67
67
67
67
67
67
67
67
Preferred Stock
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Retained Earnings
6,785
8,048
9,304
10,637
11,306
12,410
14,194
15,148
17,387
19,885
19,885
17,387
18,114
18,841
19,380
19,885
Accumulated other comprehensive income (loss)
2,611
1,957
1,426
934
-582
29
862
1,965
2,715
-563
-563
2,715
1,651
-840
-461
-563
Additional Paid-In Capital
676
791
895
1,054
1,184
1,228
1,320
1,408
1,505
1,644
1,644
1,505
1,532
1,562
1,605
1,644
Treasury Stock
-2,561
-2,934
-3,350
-3,896
-5,335
-5,316
-5,386
-5,641
-5,696
-6,413
-6,413
-5,696
-5,829
-5,934
-5,933
-6,413
Total Equity
7,576
7,927
8,341
8,795
6,639
8,417
11,056
12,946
15,978
14,620
14,620
15,978
15,535
13,696
14,658
14,620
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 TTM Dec12 Mar13 Jun13 Sep13 Dec13
   
  Net Income
1,266
1,483
1,483
1,634
1,254
1,497
2,328
1,937
2,866
3,158
3,158
581
892
889
702
675
  Cumulative Effect Of Accounting Change
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
  Net Foreign Currency Exchange Gain
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Net Income From Continuing Operations
1,266
1,483
1,483
1,634
1,254
1,497
2,328
1,937
2,866
3,158
3,158
581
892
889
702
675
Depreciation, Depletion and Amortization
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
  Change In Receivables
159
-43
-41
-176
-10
406
1,078
2,940
-199
-8
-8
4
203
-174
-58
21
  Change In Inventory
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
  Change In Prepaid Assets
-443
-461
-474
--
--
--
--
--
--
--
--
--
--
--
--
--
  Change In Payables And Accrued Expense
--
--
--
421
-271
139
137
266
712
993
993
327
193
413
-184
571
Change In Working Capital
--
--
--
2,985
2,704
3,206
4,336
7,386
11,875
7,387
7,387
2,803
2,696
1,747
1,284
1,660
Change In DeferredTax
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Cash Flow from Discontinued Operations
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Cash Flow from Others
3,220
2,950
2,914
37
1,007
1,458
325
1,519
211
2
2
117
244
-770
-525
1,053
Cash Flow from Operations
4,486
4,433
4,397
4,656
4,965
6,161
6,989
10,842
14,952
10,547
10,547
3,501
3,832
1,866
1,461
3,388
   
Purchase Of Property, Plant, Equipment
-21
-16
-23
-46
--
--
--
--
--
--
--
--
--
--
--
--
Sale Of Property, Plant, Equipment
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Purchase Of Business
--
--
--
--
--
-83
--
--
--
--
--
--
--
--
--
--
Sale Of Business
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Purchase Of Investment
-6,205
-13,137
-10,506
-6,768
-8,015
-11,690
-12,283
-27,387
-36,083
-31,347
-31,347
-7,639
-4,171
-6,680
-8,762
-11,734
Sale Of Investment
1
212
--
3,192
3,124
7,583
5,191
15,973
13,178
19,573
19,573
2,840
7,165
2,688
7,640
2,080
Net Intangibles Purchase And Sale
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Cash From Discontinued Investing Activities
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Cash Flow from Investing
-1,418
-6,692
-4,057
-3,654
-4,283
-5,476
-7,432
-10,829
-16,952
-11,091
-11,091
-4,453
-3,085
-2,725
-1,711
-3,570
   
Net Issuance of Stock
-353
-388
-428
-559
-1,458
7
-76
-282
-86
-725
-725
-92
-137
-111
--
-477
Net Issuance of Preferred Stock
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Net Issuance of Debt
-12
91
5
-5
466
845
297
158
1,165
700
749
49
--
700
--
--
Cash Flow for Dividends
-182
-209
-258
-373
-434
-524
-535
-552
-603
-635
-635
-158
-159
-156
-157
-163
Other Financing
234
310
247
282
43
371
475
740
1,469
1,796
1,796
365
140
249
764
643
Cash Flow from Financing
-313
-196
-434
-655
-1,383
699
161
64
1,945
1,136
1,136
164
-156
682
607
3
   
Net Change in Cash
2,761
-2,516
-94
360
-622
1,382
-202
128
-208
502
502
-944
555
-208
361
-206
Free Cash Flow
4,465
4,417
4,374
4,610
4,965
6,161
6,989
10,842
14,952
10,547
10,547
3,501
3,832
1,866
1,461
3,388
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Current Dec12 Mar13 Jun13 Sep13 Dec13
   
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
PS 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
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
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Current Dec12 Mar13 Jun13 Sep13 Dec13
   
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
Projected FCF (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
Beneish M-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
Highest 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
Lowest 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
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