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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) -0.5  2.8  10.4 
EBITDA Growth (%) -21.8 
Free Cash Flow Growth (%) 100 
Book Value Growth (%) 1.2  2.1  6.8 

*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 ($)
2.98
2.54
1.69
1.68
1.76
2.07
2.19
2.18
2.16
2.39
2.44
0.57
0.59
0.61
0.62
0.62
EBITDA per Share
0.56
-0.64
-0.55
0.25
0.28
0.41
-0.32
0.13
0.51
0.45
0.43
0.13
0.13
0.12
0.08
0.10
Free Cashflow per Share
0.75
-0.07
-0.36
0.23
0.47
0.29
--
--
0.43
0.03
0.12
0.19
-0.04
-0.04
-0.09
0.29
Earnings per Share ($)
0.04
-0.66
-0.45
0.11
0.14
0.25
-0.28
0.01
0.24
0.21
0.20
0.06
0.06
0.05
0.04
0.05
Dividends Per Share
--
--
--
--
--
0.03
--
--
--
--
--
--
--
--
--
--
Book Value per Share
5.32
5.76
4.15
3.82
4.07
4.22
4.09
4.07
4.31
4.53
4.70
4.40
4.57
4.72
4.64
4.70
Month End Stock Price
5.00
5.17
4.38
4.93
2.77
1.99
1.67
1.58
1.95
3.01
3.13
2.74
2.82
2.97
3.01
3.13
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
0.70
-11.40
-10.80
2.80
3.40
4.90
-4.60
1.20
5.80
4.60
3.60
5.60
5.20
4.80
2.80
3.60
Return on Assets %
--
-1.00
-1.00
0.30
0.30
0.60
-0.50
0.10
0.70
0.50
0.40
0.80
0.40
0.40
0.40
0.40
Return on Capital - Joel Greenblatt %
0.30
-10.20
-29.30
8.20
7.10
6.40
-63.80
--
--
1,141
--
--
--
--
656
--
Debt to Equity
5.52
3.21
0.92
0.73
0.95
1.30
0.60
0.26
0.31
0.38
0.26
0.17
0.15
0.22
0.38
0.26
   
Operating Margin %
0.80
-38.30
-43.50
7.40
10.20
15.30
-17.10
2.90
20.50
15.40
12.50
19.10
17.90
16.10
8.70
12.50
Net Margin %
1.30
-25.90
-26.60
6.20
7.80
12.10
-10.60
2.80
14.30
10.70
8.90
13.30
12.30
11.10
6.10
8.90
   
Debt to Revenue
9.87
7.29
2.25
1.67
2.19
3.23
1.40
0.59
0.76
0.89
2.45
1.66
1.38
2.13
3.49
2.45
Interest Exp. to Revenue %
59.28
62.61
70.25
65.59
62.22
63.94
69.96
69.84
70.41
68.31
67.82
68.68
67.97
69.05
67.52
67.82
   
Asset Turnover
0.04
0.04
0.04
0.04
0.04
0.05
0.05
0.05
0.05
0.05
0.01
0.01
0.01
0.01
0.01
0.01
Dividend Payout Ratio
--
--
--
--
--
0.10
--
--
--
--
--
--
--
--
--
--
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
24.65
23.47
24.11
24.48
24.22
29.12
32.43
32.34
32.28
32.20
32.19
8.06
7.92
8.14
8.08
8.04
Non Interest Income
16.93
14.01
10.21
12.84
14.71
16.42
13.93
13.97
13.57
14.94
15.09
3.67
3.73
3.65
3.89
3.82
Revenue
41.57
37.48
34.32
37.32
38.93
45.54
46.36
46.31
45.85
47.15
47.27
11.73
11.65
11.79
11.97
11.86
   
Selling, General, &Admin. Expense
18.92
19.01
19.06
18.67
19.34
24.16
28.72
25.57
26.21
25.70
25.67
6.70
6.65
6.79
5.56
6.68
Credit Losses Provision
2.96
1.76
-0.18
-0.13
0.30
2.93
15.15
5.25
-3.58
-0.78
-0.40
-0.63
-0.50
-0.20
0.55
-0.25
Other Expenses
11.94
26.11
26.54
13.25
13.09
9.54
9.20
12.63
12.35
13.42
13.95
3.04
3.03
2.95
4.41
3.56
Earnings Before DDA
7.75
-9.40
-11.10
5.52
6.20
8.91
-6.71
2.86
10.87
8.80
8.06
2.62
2.48
2.25
1.45
1.87
   
Depreciation, Depletion and Amortization
7.42
4.97
3.82
2.77
2.24
1.93
1.24
1.50
1.48
1.52
1.53
0.38
0.39
0.35
0.41
0.39
   
Operating Income
0.34
-14.37
-14.92
2.75
3.96
6.98
-7.95
1.36
9.39
7.28
6.52
2.24
2.09
1.90
1.05
1.49
Net Income
0.55
-9.72
-9.14
2.33
3.03
5.51
-4.90
1.28
6.54
5.04
4.53
1.57
1.43
1.31
0.74
1.06
   
Preferred dividends
--
--
--
--
--
--
1.05
1.16
1.39
0.83
0.62
0.26
0.26
0.25
0.05
0.05
Earnings per Share ($)
0.04
-0.66
-0.45
0.11
0.14
0.25
-0.28
0.01
0.24
0.21
0.20
0.06
0.06
0.05
0.04
0.05
Total Shares Outstanding
13.95
14.78
20.34
22.15
22.17
21.98
21.17
21.23
21.21
19.75
19.26
20.72
19.65
19.35
19.28
19.26
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
24.77
20.57
20.96
23.90
24.91
19.55
22.54
15.88
28.65
26.82
39.56
21.31
30.13
29.82
26.82
39.56
Money Market Investments
--
--
--
--
--
15.58
3.77
3.46
6.13
--
--
4.69
3.85
3.86
--
--
Net Loan
492
512
541
581
629
698
703
659
656
719
707
658
677
694
719
707
Securities & Investments
553
401
232
202
163
143
143
173
195
165
163
190
192
181
165
163
Accounts Receivable
4.92
4.29
4.13
4.17
4.03
3.74
3.59
3.21
3.22
2.96
3.31
3.15
3.16
3.40
2.96
3.31
Property, Plant and Equipment
11.14
9.69
8.69
8.56
8.45
9.52
9.23
10.49
10.67
11.80
12.56
10.82
10.89
11.19
11.80
12.56
Intangible Assets
15.98
13.11
12.25
11.38
14.47
13.61
12.95
12.95
12.61
12.61
12.61
12.61
12.61
12.61
12.61
12.61
Other Assets
46.70
49.77
60.77
64.48
60.64
64.07
71.85
70.99
66.36
62.37
61.93
67.18
67.18
66.29
62.37
61.93
Total Assets
1,148
1,010
880
896
905
967
970
949
979
1,001
1,000
967
997
1,002
1,001
1,000
   
Total Deposits
655
644
713
742
710
695
786
801
816
836
847
820
854
850
836
847
Current Portion of Long-Term Debt
145
152
63.18
49.09
72.21
120
25.78
4.55
15.77
15.66
--
1.39
--
--
15.66
--
Long-Term Debt
266
121
14.07
13.09
13.09
26.94
38.89
22.84
19.09
26.09
29.09
18.09
16.09
25.09
26.09
29.09
Other liabilities
8.81
7.12
5.79
7.38
18.85
11.86
12.10
13.32
15.45
13.04
12.00
15.55
16.19
14.76
13.04
12.00
Total Liabilities
1,074
925
796
811
815
854
863
842
867
891
888
855
886
890
891
888
   
Common Stock
45.12
59.52
65.51
65.62
65.70
65.79
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
Preferred Stock
--
--
--
--
--
20.45
20.56
20.67
21.00
21.00
21.00
21.00
21.00
21.00
21.00
21.00
Retained Earnings
29.10
19.38
10.24
12.57
15.60
20.53
14.59
14.60
18.93
23.14
24.14
20.23
21.40
22.46
23.14
24.14
Additional Paid-In Capital
66.81
75.48
78.62
78.74
78.79
79.35
145
145
145
145
145
145
145
145
145
145
Treasury Stock
-65.82
-65.82
-65.82
-65.82
-65.82
-68.66
-68.66
-68.66
-69.24
-73.66
-73.66
-70.33
-73.30
-73.39
-73.66
-73.66
Total Equity
74.27
85.22
84.47
84.68
90.29
113
107
107
112
110
111
112
111
112
110
111
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
0.55
-8.53
-9.02
2.33
3.03
5.51
-4.90
1.28
6.54
5.04
4.53
1.57
1.43
1.31
0.74
1.06
Depreciation, Depletion and Amortization
7.42
4.97
3.82
2.77
2.24
1.93
1.24
1.50
1.48
1.52
1.53
0.38
0.39
0.35
0.41
0.39
Cash Flow from Others
2.51
2.46
-2.22
-0.02
5.06
1.48
4.85
-0.06
2.78
-3.35
-0.53
2.56
-2.17
-1.85
-1.88
5.38
Cash Flow from Operations
10.48
-1.09
-7.42
5.08
10.33
8.92
1.19
2.72
10.79
3.21
5.53
4.50
-0.35
-0.19
-0.74
6.82
   
Investment for Property, Plant & Equipement
--
--
--
--
--
-2.60
-1.29
-2.76
-1.67
-2.65
-3.27
-0.52
-0.46
-0.65
-1.02
-1.15
Cash Flow from Investing
7.28
124
133
-10.05
-9.20
-54.92
-16.54
12.36
-14.07
-32.15
-24.70
-0.28
-18.93
-4.86
-8.07
7.17
   
Net Issuance of Stock
0.20
25.94
10.43
--
--
-2.84
--
--
-0.58
-4.42
-3.33
-1.09
-2.98
-0.09
-0.27
--
Net Issuance of Preferred Stock
--
--
--
--
--
21.00
--
--
--
--
--
--
--
--
--
--
Net Issuance of Debt
-2.85
-140
-198
-15.15
31.06
51.66
-82.20
-37.28
7.47
6.90
9.61
-15.38
-3.39
9.00
16.66
-12.66
Cash Flow for Dividends
--
--
--
0.17
0.13
-1.56
-0.95
-1.05
-1.05
-0.83
-0.62
-0.26
-0.26
-0.25
-0.05
-0.05
Other Financing
-17.52
-12.89
60.96
22.61
-31.32
-16.42
89.68
16.28
12.90
19.33
27.06
3.73
33.88
-3.91
-14.38
11.46
Cash Flow from Financing
-20.16
-127
-126
7.63
-0.12
51.85
6.53
-22.05
18.73
20.98
32.72
-12.99
27.26
4.76
1.96
-1.25
   
Net Change in Cash
-2.40
-3.44
-0.09
2.66
1.01
5.85
-8.82
-6.97
15.45
-7.96
13.55
-8.78
7.97
-0.30
-6.85
12.74
   
Free Cash Flow
10.48
-1.09
-7.42
5.08
10.33
6.32
-0.10
-0.04
9.13
0.57
2.26
3.98
-0.81
-0.85
-1.76
5.67
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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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
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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
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