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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) -5.8  -14.1  -5 
EBITDA Growth (%) -22.6  -21.7  -7.5 
Free Cash Flow Growth (%) -6  16.5 
Book Value Growth (%) 2.7  2.7  5.1 

*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 ($)
3.48
3.82
4.33
4.30
4.76
3.71
4.36
2.44
2.40
2.34
2.29
0.58
0.58
0.60
0.58
0.53
EBITDA per Share
1.68
1.93
2.57
2.39
2.43
1.73
0.46
0.10
0.46
0.51
0.49
0.12
0.18
0.08
0.13
0.10
Free Cashflow per Share
1.20
1.50
-0.24
1.49
1.60
1.39
0.89
1.69
0.81
1.07
1.13
0.26
0.52
0.12
0.17
0.32
Earnings per Share ($)
0.86
1.02
1.38
1.32
1.39
1.30
0.26
0.05
0.25
0.34
0.33
0.07
0.09
0.08
0.09
0.07
Dividends Per Share
0.34
0.36
0.46
0.53
0.55
0.57
0.29
--
--
--
--
--
--
--
--
--
Book Value per Share
6.45
10.33
9.44
9.10
9.84
8.38
14.47
9.09
9.55
9.90
10.06
9.57
9.70
10.09
10.10
10.06
Month End Stock Price
15.91
18.41
18.98
21.74
16.32
10.07
7.86
6.00
4.55
6.91
7.51
7.90
7.28
7.60
6.91
7.51
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
13.40
9.90
14.60
14.50
14.10
11.90
1.80
0.50
2.70
3.40
2.80
3.20
3.60
3.20
3.60
2.80
Return on Assets %
1.20
1.00
1.50
1.50
1.50
1.30
0.30
0.10
0.40
0.50
0.40
0.40
0.40
0.40
0.40
0.40
Return on Capital - Joel Greenblatt %
471
--
829
168
42.40
46.90
--
--
--
--
--
--
--
--
--
--
Debt to Equity
1.03
0.58
0.70
0.68
0.86
0.90
0.36
0.19
0.20
0.19
0.19
0.15
0.15
0.19
0.19
0.19
   
Operating Margin %
40.80
42.20
52.00
50.20
47.30
43.20
7.50
0.90
15.90
18.30
15.80
17.70
20.10
17.00
18.70
15.80
Net Margin %
24.80
26.70
31.90
30.70
29.20
26.90
6.00
2.00
10.60
14.50
12.80
12.50
15.30
14.00
16.20
12.80
   
Debt to Revenue
1.91
1.57
1.52
1.43
1.78
2.04
1.20
0.71
0.80
0.81
3.70
2.46
2.53
3.23
3.35
3.70
Interest Exp. to Revenue %
88.22
89.02
91.91
91.72
91.04
92.28
91.37
92.50
91.11
87.49
87.16
87.84
87.46
87.23
87.42
87.16
   
Asset Turnover
0.05
0.04
0.05
0.05
0.05
0.05
0.04
0.04
0.04
0.04
0.01
0.01
0.01
0.01
0.01
0.01
Buyback Ratio
--
--
--
--
--
--
-1,507
--
--
--
--
--
--
--
--
--
Dividend Payout Ratio
0.40
0.35
0.34
0.40
0.40
0.57
1.09
--
--
--
--
--
--
--
--
--
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
16.87
19.42
26.46
27.07
26.40
25.93
24.03
22.26
21.59
19.41
18.64
5.01
4.84
4.86
4.69
4.24
Non Interest Income
2.25
2.40
2.33
2.44
2.60
2.17
2.27
1.80
2.11
2.77
2.71
0.69
0.69
0.71
0.68
0.63
Revenue
19.12
21.81
28.79
29.51
29.00
28.09
26.30
24.06
23.70
22.18
21.35
5.70
5.54
5.58
5.37
4.87
   
Selling, General, &Admin. Expense
6.23
6.05
7.29
8.17
8.40
7.69
8.05
9.30
10.89
8.89
8.89
2.35
2.17
2.24
2.13
2.34
Credit Losses Provision
0.95
0.90
0.32
0.32
0.45
1.74
8.53
7.37
3.63
1.37
0.89
0.58
0.38
0.41
--
0.10
Other Expenses
2.72
3.84
4.09
4.61
5.34
5.56
6.93
6.39
4.67
7.07
7.03
1.57
1.26
2.19
2.06
1.53
Earnings Before DDA
9.22
11.03
17.09
16.41
14.81
13.11
2.79
1.01
4.51
4.85
4.54
1.21
1.73
0.74
1.18
0.90
   
Depreciation, Depletion and Amortization
1.42
1.82
2.11
1.61
1.09
0.96
0.83
0.79
0.74
0.78
0.72
0.20
0.62
-0.21
0.18
0.13
   
Operating Income
7.80
9.21
14.98
14.80
13.72
12.15
1.96
0.23
3.77
4.07
3.83
1.01
1.11
0.95
1.00
0.77
Net Income
4.74
5.83
9.18
9.06
8.48
7.57
1.59
0.48
2.50
3.21
3.12
0.71
0.85
0.78
0.87
0.62
   
Earnings per Share ($)
0.86
1.02
1.38
1.32
1.39
1.30
0.26
0.05
0.25
0.34
0.33
0.07
0.09
0.08
0.09
0.07
Total Shares Outstanding
5.50
5.71
6.65
6.86
6.10
7.57
6.04
9.85
9.86
9.49
9.22
9.83
9.52
9.30
9.31
9.22
Balance SheetAnnuals (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
34.45
34.05
39.67
30.30
21.20
19.42
58.49
34.12
25.02
56.21
48.60
48.22
36.26
29.65
56.21
48.60
Money Market Investments
1.55
9.16
3.86
3.07
4.50
3.92
--
--
--
--
--
--
--
--
--
--
Net Loan
262
352
366
383
395
412
376
339
294
252
245
284
278
270
252
245
Securities & Investments
89.85
157
169
148
114
87.70
109
161
213
234
244
206
225
231
234
244
Accounts Receivable
7.59
13.54
14.22
19.73
19.79
20.42
25.10
20.69
19.91
7.55
6.56
19.25
18.69
7.10
7.55
6.56
Property, Plant and Equipment
1.51
1.88
2.09
1.85
1.98
2.12
2.09
2.03
2.36
1.89
1.80
2.28
2.20
2.18
1.89
1.80
Intangible Assets
--
18.33
18.15
17.82
17.51
17.23
16.97
16.72
16.50
16.32
16.32
16.45
16.40
16.35
16.32
16.32
Other Assets
-0.00
0.00
-0.00
--
-0.00
0.00
6.43
6.18
11.28
28.35
24.71
13.83
13.62
28.43
28.35
24.71
Total Assets
397
587
613
604
574
563
594
579
582
596
587
590
590
585
596
587
   
Total Deposits
323
475
501
494
456
437
470
465
462
478
471
477
476
467
478
471
Accounts Payable
2.89
18.00
5.66
5.49
6.46
5.42
5.82
7.27
6.13
6.14
5.67
5.75
7.78
5.99
6.14
5.67
Current Portion of Long-Term Debt
34.60
24.46
39.39
37.27
51.60
43.23
14.50
7.00
5.00
2.00
7.00
--
2.00
2.00
2.00
7.00
Long-Term Debt
1.94
9.83
4.27
5.00
--
14.00
17.00
10.00
14.00
16.00
11.00
14.00
12.00
16.00
16.00
11.00
Other liabilities
-0.00
0.00
0.00
-0.00
0.00
--
-0.00
--
-0.00
0.00
0.00
0.00
0.00
-0.00
0.00
0.00
Total Liabilities
362
528
550
542
514
500
507
489
487
502
495
496
497
491
502
495
   
Common Stock
16.69
42.56
47.47
--
--
--
--
--
--
--
--
--
--
--
--
--
Retained Earnings
17.90
15.88
16.03
14.69
14.20
15.62
15.55
16.02
18.53
21.73
22.35
19.24
20.08
20.86
21.73
22.35
Additional Paid-In Capital
--
--
--
48.25
45.67
47.43
71.58
71.81
72.02
67.98
66.35
71.01
67.90
67.95
67.98
66.35
Total Equity
35.46
58.99
62.75
62.37
59.97
63.45
87.35
89.54
94.10
93.99
92.73
94.15
92.34
93.85
93.99
92.73
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
4.74
5.83
9.18
9.06
8.48
7.57
1.59
0.48
2.50
3.21
3.12
0.71
0.85
0.78
0.87
0.62
Depreciation, Depletion and Amortization
1.42
1.82
2.11
1.61
1.09
0.96
0.83
0.79
0.74
0.78
0.72
0.20
0.62
-0.21
0.18
0.13
Cash Flow from Others
0.45
0.93
-12.89
-0.47
0.15
2.01
3.48
15.86
5.57
6.28
6.86
1.69
3.54
0.64
0.41
2.27
Cash Flow from Operations
6.61
8.59
-1.59
10.20
9.73
10.54
5.90
17.12
8.81
10.27
10.69
2.61
5.00
1.21
1.46
3.03
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
-0.55
-0.48
-0.85
-0.13
-0.10
-0.08
-0.08
-0.13
0.15
-0.04
Cash Flow from Acquisitions
--
26.29
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Cash Flow from Investing
-52.91
-34.36
-28.28
-3.08
23.62
4.34
9.01
-24.61
-16.08
10.65
-3.28
12.34
-12.53
-2.98
13.82
-1.58
   
Net Issuance of Stock
0.63
1.78
-1.07
-6.30
-8.76
-1.36
23.90
--
--
-4.19
-4.81
-1.04
-3.15
--
--
-1.66
Net Issuance of Debt
4.00
-2.25
9.37
-1.39
9.33
5.63
-25.73
-14.50
2.00
-1.00
4.00
-5.00
--
4.00
--
--
Cash Flow for Dividends
-1.14
-2.07
-2.75
-3.33
-3.33
-3.33
-2.49
--
--
--
--
--
--
--
--
--
Other Financing
46.70
33.64
25.29
-6.83
-37.99
-18.59
32.73
-4.63
-2.84
15.97
-5.73
14.30
-1.03
-8.83
11.53
-7.40
Cash Flow from Financing
50.20
31.10
30.83
-17.85
-40.75
-17.65
28.41
-19.13
-0.84
10.78
-6.53
8.25
-4.18
-4.83
11.53
-9.06
   
Net Change in Cash
3.90
5.32
0.96
-10.72
-7.41
-2.78
43.32
-26.62
-8.10
31.69
0.88
23.20
-11.71
-6.61
26.81
-7.61
   
Free Cash Flow
6.61
8.59
-1.59
10.20
9.73
10.54
5.35
16.64
7.96
10.14
10.59
2.53
4.93
1.07
1.61
2.98
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
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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
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