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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 1.2  -4.2  -4.9 
EBITDA Growth (%) 31 
Free Cash Flow Growth (%) 1.9  -57.9 
Book Value Growth (%) 13.5  6.5  10.1 

*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 ($)
2.85
3.20
3.97
4.31
4.51
4.24
3.91
3.50
3.62
3.56
3.51
0.93
0.89
0.84
0.89
0.89
EBITDA per Share
1.07
1.48
1.98
2.30
2.22
0.27
-0.24
-0.11
1.22
2.04
1.90
0.53
0.56
0.44
0.50
0.40
Free Cashflow per Share
-0.46
0.99
1.15
1.18
1.34
1.22
1.97
3.50
2.26
1.25
1.04
0.45
0.26
0.07
0.48
0.23
Earnings per Share ($)
0.62
0.80
1.07
1.28
1.25
0.09
-0.35
-0.30
0.53
0.99
0.94
0.28
0.20
0.24
0.28
0.22
Dividends Per Share
0.10
0.11
0.11
0.11
0.11
0.11
--
--
--
0.05
0.10
--
--
--
0.05
0.05
Book Value per Share
3.68
4.09
5.85
7.07
8.37
8.62
10.61
7.69
16.03
9.62
9.84
8.94
9.16
9.40
9.61
9.84
Month End Stock Price
13.80
21.27
17.78
20.92
11.67
9.83
11.34
9.86
9.45
11.57
13.06
11.13
10.89
12.61
11.57
13.06
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
16.80
19.50
18.30
18.10
14.90
1.00
-1.60
-2.00
3.40
11.10
9.20
11.60
10.80
10.00
11.60
9.20
Return on Assets %
1.10
1.30
1.50
1.70
1.40
0.10
-0.20
-0.20
0.50
1.50
1.20
2.00
1.60
1.20
1.60
1.20
Return on Capital - Joel Greenblatt %
71.30
59.20
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Debt to Equity
1.17
1.28
0.48
0.62
1.51
1.34
1.06
1.12
0.50
0.62
0.61
0.47
0.58
0.68
0.62
0.61
   
Operating Margin %
35.20
42.00
45.80
49.40
46.60
3.90
-10.80
-11.40
28.00
49.60
41.50
54.40
45.10
45.90
52.50
41.50
Net Margin %
21.70
25.00
26.90
29.70
27.70
2.50
-5.20
-5.40
17.70
30.00
25.10
33.00
27.80
27.90
31.00
25.10
   
Debt to Revenue
1.51
1.63
0.70
1.01
2.81
3.48
3.51
3.02
2.59
1.67
6.71
5.30
5.92
7.63
6.66
6.71
Interest Exp. to Revenue %
69.06
73.80
79.05
83.08
81.15
85.97
83.33
81.58
84.88
85.81
85.73
83.94
85.34
88.37
85.82
85.73
   
Asset Turnover
0.05
0.05
0.06
0.06
0.05
0.04
0.03
0.05
0.03
0.05
0.01
0.01
0.01
0.01
0.01
0.01
Buyback Ratio
--
--
--
--
--
--
1,432
15.90
-223
-0.40
-2.20
-0.30
-0.60
--
-0.60
-2.20
Dividend Payout Ratio
0.16
0.14
0.10
0.09
0.09
1.06
--
--
--
0.05
0.23
--
--
--
0.18
0.23
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
45.49
58.39
78.86
94.62
97.21
96.22
92.35
108
130
238
237
60.86
59.50
58.23
59.65
59.72
Non Interest Income
20.38
20.73
20.91
19.27
22.57
15.71
18.47
24.48
23.13
39.39
37.69
11.65
10.22
7.66
9.86
9.94
Revenue
65.87
79.12
99.77
114
120
112
111
133
153
278
275
72.50
69.72
65.90
69.51
69.66
   
Selling, General, &Admin. Expense
21.60
24.04
26.07
29.45
30.42
30.92
30.85
36.20
42.25
79.38
80.68
20.37
20.10
19.57
19.35
21.66
Credit Losses Provision
5.39
3.90
5.43
3.75
7.53
48.83
61.02
84.63
27.94
19.10
24.01
2.60
7.18
6.90
2.42
7.51
Other Expenses
14.09
14.64
18.57
19.95
22.89
24.99
25.86
16.19
31.30
20.15
21.00
8.05
-1.35
5.04
8.41
8.90
Earnings Before DDA
24.80
36.54
49.69
60.73
58.94
7.20
-6.92
-4.16
51.46
159
149
41.49
43.80
34.39
39.32
31.59
   
Depreciation, Depletion and Amortization
1.62
3.30
4.02
4.53
3.14
2.82
5.01
10.98
8.69
21.36
22.06
2.02
12.33
4.17
2.85
2.72
   
Operating Income
23.18
33.24
45.67
56.20
55.80
4.38
-11.92
-15.14
42.78
138
127
39.47
31.47
30.23
36.47
28.88
Net Income
14.31
19.78
26.86
33.81
33.20
2.76
-5.72
-7.24
27.12
83.22
76.75
23.93
19.36
18.40
21.53
17.46
   
Preferred dividends
--
--
--
--
--
0.47
4.28
4.29
4.57
5.64
3.77
1.87
3.77
--
--
--
Earnings per Share ($)
0.62
0.80
1.07
1.28
1.25
0.09
-0.35
-0.30
0.53
0.99
0.94
0.28
0.20
0.24
0.28
0.22
Total Shares Outstanding
23.09
24.73
25.10
26.41
26.56
26.42
28.36
37.92
42.21
78.09
78.48
78.10
78.14
78.10
78.12
78.48
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
34.24
27.71
32.92
36.30
40.15
30.06
106
172
300
313
281
364
180
230
313
281
Money Market Investments
48.16
64.30
48.37
54.26
26.69
41.26
20.00
--
0.53
--
--
21.27
--
--
--
--
Net Loan
989
1,212
1,445
1,711
2,001
2,065
2,167
2,112
3,719
4,281
4,476
3,726
3,842
4,062
4,281
4,476
Securities & Investments
128
135
176
164
259
407
783
528
741
704
717
698
667
687
704
717
Accounts Receivable
4.72
5.12
7.62
8.97
9.35
8.17
11.26
8.65
24.26
17.91
17.66
23.35
21.35
20.21
17.91
17.66
Property, Plant and Equipment
6.77
6.87
8.15
11.94
11.25
11.99
10.87
10.92
20.91
22.61
22.96
20.35
21.81
22.67
22.61
22.96
Intangible Assets
6.76
6.22
5.94
5.25
4.59
4.14
3.55
3.04
94.75
92.91
96.81
93.82
93.52
93.22
92.91
96.81
Other Assets
42.18
50.22
51.91
55.50
71.61
105
127
128
266
209
222
223
225
217
209
222
Total Assets
1,260
1,508
1,776
2,047
2,423
2,672
3,228
2,963
5,167
5,641
5,834
5,169
5,049
5,332
5,641
5,834
   
Total Deposits
1,061
1,256
1,526
1,712
1,833
1,939
2,434
2,176
3,941
4,384
4,556
3,920
3,883
4,053
4,384
4,556
Accounts Payable
3.29
3.41
8.76
8.26
10.48
8.55
12.67
4.83
6.52
4.36
4.33
6.49
5.92
5.45
4.36
4.33
Current Portion of Long-Term Debt
60.00
77.00
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Long-Term Debt
39.27
52.27
70.27
115
336
389
389
401
397
463
468
384
413
503
463
468
Other liabilities
11.06
17.76
23.56
24.60
21.14
45.68
23.85
22.76
26.75
38.60
33.70
39.95
32.43
36.93
38.60
33.70
Total Liabilities
1,175
1,406
1,629
1,860
2,201
2,382
2,860
2,605
4,371
4,890
5,061
4,351
4,334
4,598
4,890
5,061
   
Common Stock
0.01
0.02
0.03
0.03
0.03
0.03
0.04
0.04
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
Preferred Stock
--
--
--
--
--
62.34
67.00
67.00
119
--
--
120
--
--
--
--
Retained Earnings
41.99
56.85
81.02
112
142
142
132
120
143
217
230
165
181
199
217
230
Additional Paid-In Capital
43.06
44.90
69.45
77.94
79.97
82.08
167
171
525
525
535
525
526
525
525
535
Total Equity
85.00
101
147
187
222
290
368
359
796
751
772
818
715
734
751
772
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
14.31
19.78
26.86
33.81
33.20
2.76
-5.72
-7.24
27.12
83.22
76.75
23.93
19.36
18.40
21.53
17.46
Depreciation, Depletion and Amortization
1.62
3.30
4.02
4.53
3.14
2.82
5.01
10.98
8.69
21.36
22.06
2.02
12.33
4.17
2.85
2.72
Cash Flow from Others
-26.44
1.44
-1.96
-7.16
-0.87
26.62
58.25
132
60.78
-0.12
-10.43
9.62
-9.00
-15.35
14.61
-0.70
Cash Flow from Operations
-10.51
24.52
28.92
31.17
35.48
32.19
57.53
136
96.58
104
88.37
35.57
22.70
7.22
38.99
19.48
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
-1.65
-2.97
-1.17
-6.84
-7.75
-0.75
-2.74
-2.08
-1.26
-1.67
Cash Flow from Acquisitions
--
--
--
--
--
2.56
--
--
326
--
18.49
--
--
--
--
18.49
Cash Flow from Investing
-254
-237
-269
-251
-407
-252
-554
159
190
-475
-601
62.82
-77.91
-216
-244
-62.78
   
Net Issuance of Stock
1.79
1.13
21.95
7.01
0.50
5.21
81.97
1.15
60.39
-1.85
-1.54
0.08
0.12
-2.19
0.14
0.39
Net Issuance of Preferred Stock
--
--
--
--
--
62.23
--
--
--
-122
-122
--
-122
--
--
--
Net Issuance of Debt
15.62
30.00
-59.00
45.00
221
53.00
--
11.76
-141
68.46
65.82
-11.06
29.54
89.98
-40.00
-13.70
Cash Flow for Dividends
-2.18
-2.44
-2.63
-2.83
-2.88
-2.88
-4.02
-3.35
-3.35
-7.55
-10.04
-1.41
-2.24
-0.00
-3.90
-3.90
Other Financing
215
195
271
186
121
102
495
-258
-75.17
446
495
-20.43
-36.27
171
332
28.41
Cash Flow from Financing
230
223
231
235
340
220
573
-248
-159
383
427
-32.82
-131
259
288
11.20
   
Net Change in Cash
-34.19
10.77
-9.19
14.78
-31.65
-0.09
76.54
46.74
128
12.81
-84.87
65.57
-186
50.02
83.27
-32.10
   
Free Cash Flow
-10.51
24.52
28.92
31.17
35.48
32.19
55.88
133
95.41
97.64
80.62
34.82
19.95
5.14
37.72
17.81
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
   
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