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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 2.9  5.2  -0.8 
EBITDA Growth (%) 55.4 
Free Cash Flow Growth (%) -67.9 
Book Value Growth (%) 5.7  17.1  -72.8 

*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 ($)
7.51
4.65
4.39
3.60
4.39
5.22
6.10
6.38
6.54
6.48
6.57
1.60
1.64
1.60
1.64
1.69
EBITDA per Share
1.60
0.76
1.16
-0.40
0.59
0.22
--
0.51
0.82
1.28
1.44
0.26
0.31
0.33
0.39
0.41
Free Cashflow per Share
1.19
1.28
0.29
0.03
1.05
0.71
-1.54
0.84
1.40
0.46
0.80
0.27
0.24
0.21
-0.27
0.62
Earnings per Share ($)
0.77
0.45
0.65
-0.31
0.39
0.25
-0.09
0.19
0.38
0.62
0.71
0.12
0.15
0.16
0.19
0.21
Dividends Per Share
0.64
0.64
0.64
0.52
0.16
0.16
0.10
0.04
0.04
0.04
0.04
0.01
0.01
0.01
0.01
0.01
Book Value per Share
12.38
12.19
11.26
10.59
11.08
11.30
10.90
11.12
45.04
12.23
12.35
11.64
11.88
12.11
12.23
12.35
Month End Stock Price
14.50
16.04
12.95
13.07
8.50
5.58
2.66
4.05
3.96
8.21
--
4.74
5.59
6.48
8.21
--
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
6.20
3.70
5.80
-2.90
3.50
2.20
-0.80
1.70
0.80
5.00
6.80
4.00
5.20
5.20
6.40
6.80
Return on Assets %
0.60
0.30
0.50
-0.20
0.30
0.20
-0.10
0.10
0.30
0.40
0.40
0.40
0.40
0.40
0.40
0.40
Return on Capital - Joel Greenblatt %
--
--
--
--
--
-0.60
--
10.40
23.50
--
--
--
--
--
--
--
Debt to Equity
0.26
1.05
1.88
2.26
2.04
2.89
1.97
--
--
--
1.24
1.32
1.29
1.27
--
1.24
   
Operating Margin %
15.00
6.50
16.10
-21.30
7.20
-0.30
-5.90
1.60
5.90
12.40
16.40
8.80
11.80
12.90
15.90
16.40
Net Margin %
10.30
9.70
14.80
-8.60
8.90
4.80
-1.40
2.90
5.80
9.50
12.20
7.20
9.30
9.70
11.80
12.20
   
Debt to Revenue
0.43
2.74
4.81
6.63
5.15
6.27
3.52
--
--
--
9.09
9.55
9.36
9.57
--
9.09
Interest Exp. to Revenue %
55.28
73.10
70.40
78.14
73.76
75.63
69.62
70.36
71.22
73.25
70.01
73.32
72.37
72.32
74.97
70.01
   
Asset Turnover
0.06
0.03
0.03
0.03
0.03
0.03
0.04
0.04
0.05
0.04
0.01
0.01
0.01
0.01
0.01
0.01
Dividend Payout Ratio
0.83
1.42
0.99
--
0.41
0.65
--
0.22
0.11
0.07
0.05
0.09
0.07
0.06
0.05
0.05
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
13.03
10.77
9.79
8.80
9.82
11.79
12.69
13.41
13.92
14.19
14.20
3.52
3.54
3.46
3.67
3.53
Non Interest Income
10.54
3.96
4.12
2.46
3.49
3.80
5.54
5.65
5.63
5.18
5.41
1.28
1.35
1.33
1.22
1.51
Revenue
23.57
14.73
13.90
11.26
13.32
15.59
18.23
19.06
19.55
19.37
19.61
4.80
4.89
4.79
4.89
5.04
   
Selling, General, &Admin. Expense
8.08
8.09
9.04
8.36
8.93
8.98
10.93
11.94
11.93
11.23
11.30
2.78
2.73
2.78
2.94
2.86
Credit Losses Provision
6.44
0.39
-2.85
0.30
-1.63
1.25
2.18
1.93
1.39
1.15
1.15
0.26
0.38
0.26
0.26
0.26
Other Expenses
4.02
3.85
4.04
3.87
4.21
4.70
5.12
3.67
3.78
3.18
2.90
0.99
0.87
0.78
0.54
0.71
Earnings Before DDA
5.03
2.39
3.68
-1.26
1.80
0.67
-0.00
1.52
2.46
3.82
4.27
0.77
0.92
0.98
1.16
1.22
   
Depreciation, Depletion and Amortization
1.50
1.44
1.44
1.14
0.84
0.71
1.07
1.21
1.30
1.42
1.47
0.34
0.34
0.36
0.38
0.39
   
Operating Income
3.53
0.95
2.24
-2.40
0.97
-0.04
-1.07
0.31
1.16
2.40
2.80
0.42
0.58
0.62
0.78
0.83
Net Income
2.42
1.43
2.06
-0.97
1.18
0.74
-0.26
0.55
1.14
1.84
2.11
0.35
0.45
0.47
0.58
0.61
   
Earnings per Share ($)
0.77
0.45
0.65
-0.31
0.39
0.25
-0.09
0.19
0.38
0.62
0.71
0.12
0.15
0.16
0.19
0.21
Total Shares Outstanding
3.14
3.17
3.17
3.13
3.04
2.99
2.99
2.99
2.99
2.99
2.99
2.99
2.99
2.99
2.99
2.99
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
14.55
17.05
14.27
12.07
17.17
8.45
19.59
11.75
9.71
26.56
28.23
27.22
37.71
30.43
26.56
28.23
Money Market Investments
6.95
7.27
7.45
5.65
5.63
5.63
--
--
--
--
--
--
--
--
--
--
Net Loan
204
196
218
249
295
323
322
313
213
314
321
310
305
309
314
321
Securities & Investments
138
170
169
130
66.69
75.37
35.84
38.61
43.85
41.65
37.61
42.15
43.50
44.27
41.65
37.61
Property, Plant and Equipment
7.89
7.97
7.68
7.35
7.70
14.91
15.51
14.74
14.65
14.54
14.36
14.50
14.44
14.54
14.54
14.36
Intangible Assets
0.56
0.56
0.56
0.56
0.56
0.56
0.65
0.65
0.66
0.66
0.66
0.66
0.66
0.66
0.66
0.66
Other Assets
30.58
29.01
32.43
32.57
34.51
36.04
47.90
51.11
148
48.36
47.67
48.35
48.90
48.83
48.36
47.67
Total Assets
402
429
449
437
427
464
442
430
430
446
449
443
450
448
446
449
   
Total Deposits
346
344
339
322
315
324
338
338
337
357
359
355
361
358
357
359
Accounts Payable
3.48
2.33
2.76
2.10
4.56
1.58
0.92
--
--
--
--
1.32
1.38
1.51
--
--
Current Portion of Long-Term Debt
1.52
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Long-Term Debt
8.72
40.39
66.89
74.68
68.51
97.74
64.19
--
--
--
45.81
45.81
45.81
45.81
--
45.81
Other liabilities
4.13
3.15
4.71
4.91
5.33
6.00
5.50
58.43
-42.09
52.51
7.55
6.31
6.12
6.41
52.51
7.55
Total Liabilities
364
390
414
404
393
430
409
396
295
409
412
408
414
412
409
412
   
Common Stock
3.15
3.15
3.17
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
Retained Earnings
35.26
34.67
34.73
32.15
32.86
31.98
31.42
31.85
32.87
34.59
35.18
33.19
33.61
34.05
34.59
35.18
Additional Paid-In Capital
0.51
0.54
0.71
1.04
1.04
1.04
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.05
Treasury Stock
--
--
--
-2.19
-3.00
-3.00
-3.00
-3.00
-3.00
-3.00
-3.00
-3.00
-3.00
-3.00
-3.00
-3.00
Total Equity
38.87
38.64
35.66
33.12
33.65
33.78
32.58
33.25
135
36.55
36.92
34.80
35.50
36.19
36.55
36.92
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
2.42
1.43
2.06
-0.97
1.18
0.74
-0.26
0.55
1.14
1.84
2.11
0.35
0.45
0.47
0.58
0.61
Depreciation, Depletion and Amortization
1.50
1.44
1.44
1.14
0.84
0.71
1.07
1.21
1.30
1.42
1.47
0.34
0.34
0.36
0.38
0.39
Cash Flow from Others
-0.17
1.18
-2.59
-0.07
1.15
0.66
-3.84
0.97
2.65
-1.03
-0.31
0.20
0.14
0.14
-1.51
0.92
Cash Flow from Operations
3.75
4.05
0.91
0.10
3.18
2.12
-3.03
2.74
5.09
2.23
3.27
0.89
0.93
0.97
-0.55
1.93
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
-1.58
-0.24
-0.89
-0.86
-0.85
-0.08
-0.19
-0.34
-0.25
-0.07
Cash Flow from Acquisitions
--
--
--
--
--
--
--
--
-0.24
--
--
--
--
--
--
--
Cash Flow from Investing
-35.86
-27.98
-23.87
10.18
17.14
-46.58
34.85
1.69
-5.37
-5.36
-10.76
3.83
3.62
-11.41
-1.40
-1.57
   
Net Issuance of Stock
0.01
0.03
0.19
-1.82
-0.81
--
--
--
--
--
--
--
--
--
--
--
Net Issuance of Debt
3.80
30.16
26.50
7.79
-6.17
29.22
-34.21
-11.70
-2.00
-5.29
-1.21
-4.00
-1.16
0.13
-0.26
0.08
Cash Flow for Dividends
-2.02
-2.02
-2.02
-1.65
-0.48
-0.48
-0.30
-0.12
-0.12
-0.12
-0.12
-0.03
-0.03
-0.03
-0.03
-0.03
Other Financing
-0.83
-1.74
-4.49
-16.80
-7.76
7.00
13.83
-0.45
0.36
19.68
5.37
16.81
7.13
-2.64
-1.63
2.51
Cash Flow from Financing
0.96
26.44
20.18
-12.48
-15.21
35.74
-20.68
-12.27
-1.76
14.27
4.04
12.79
5.94
-2.54
-1.92
2.56
   
Net Change in Cash
-31.15
2.50
-2.78
-2.20
5.10
-8.72
11.14
-7.84
-2.04
11.14
-3.45
17.51
10.49
-12.99
-3.87
2.92
   
Free Cash Flow
3.75
4.05
0.91
0.10
3.18
2.12
-4.61
2.50
4.20
1.37
2.42
0.81
0.73
0.63
-0.80
1.86
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
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
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