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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 4.6  -2.7  -16.4 
EBITDA Growth (%) -6.1  -28.1  -20.9 
Free Cash Flow Growth (%) -135.2 
Book Value Growth (%) 5.3  5.3 

*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 ($)
5.11
4.51
7.07
6.93
7.98
7.65
8.44
7.97
6.96
7.35
5.16
1.42
2.30
1.56
--
1.30
EBITDA per Share
1.38
2.11
2.29
2.83
3.24
2.64
2.36
2.35
1.26
0.69
0.92
0.37
0.29
0.02
--
0.61
Free Cashflow per Share
--
0.40
2.28
1.06
6.13
-1.25
0.88
2.79
4.90
2.10
-1.46
--
-1.46
--
--
--
Earnings per Share ($)
0.89
1.18
1.43
1.78
2.19
1.73
1.44
1.53
0.84
0.43
0.58
0.26
0.13
0.04
--
0.41
Dividends Per Share
0.38
0.44
0.62
0.74
0.90
1.00
0.35
0.48
0.40
0.47
0.44
0.15
0.10
0.10
0.11
0.13
Book Value per Share
6.06
8.95
4.95
6.86
9.68
8.89
10.04
9.62
10.45
11.30
10.78
10.23
10.16
12.00
--
10.78
Month End Stock Price
13.35
17.10
17.20
23.19
23.37
12.04
17.66
9.96
8.39
9.42
8.77
7.82
7.07
7.75
9.42
8.77
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
14.80
13.20
29.20
26.00
22.60
21.00
15.60
17.00
7.90
3.80
15.20
10.40
4.80
1.20
--
15.20
Return on Assets %
0.80
1.00
1.00
1.10
1.20
1.00
0.90
0.90
0.50
0.30
1.20
0.80
0.40
--
--
1.20
Return on Capital - Joel Greenblatt %
--
16.60
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Debt to Equity
6.85
4.40
5.87
5.01
3.65
4.72
4.01
3.49
2.55
0.27
0.27
2.50
2.20
2.25
0.27
0.27
   
Operating Margin %
26.90
36.70
30.00
38.20
38.00
31.40
25.10
26.40
14.80
5.80
46.50
26.10
7.30
1.20
-4.60
46.50
Net Margin %
17.50
26.20
20.40
25.70
27.40
24.40
18.60
20.50
11.80
5.90
31.70
18.50
5.40
2.60
0.20
31.70
   
Debt to Revenue
8.12
8.74
4.11
4.96
4.42
5.49
4.77
4.22
3.83
0.42
2.20
18.08
9.71
17.33
1.05
2.20
Interest Exp. to Revenue %
49.31
41.66
38.68
45.53
42.19
54.97
58.00
56.93
53.93
54.64
0.35
66.53
43.69
68.73
34.72
0.35
   
Asset Turnover
0.04
0.04
0.05
0.05
0.04
0.04
0.05
0.04
0.04
0.05
0.01
0.01
0.02
0.01
0.02
0.01
Buyback Ratio
--
--
--
--
--
--
-217
-303
-108
-164
--
--
-122
--
-578
--
Dividend Payout Ratio
0.32
0.28
0.32
0.31
0.31
0.40
--
--
0.37
0.81
0.23
0.44
0.61
1.95
--
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
8,355
6,554
9,603
11,166
12,581
16,177
19,100
18,465
18,296
20,683
20,707
4,832
5,405
5,220
5,225
4,856
Non Interest Income
8,589
9,178
15,228
13,358
17,240
13,251
13,831
13,971
15,627
17,173
21,605
2,431
6,967
2,375
9,824
2,440
Revenue
16,944
15,732
24,831
24,524
29,821
29,428
32,931
32,436
33,923
37,856
42,312
7,263
12,372
7,595
15,049
7,296
   
Selling, General, &Admin. Expense
4,343
4,333
4,799
5,318
8,358
10,341
10,216
10,943
16,797
16,571
19,549
3,137
6,071
3,425
6,743
3,311
Credit Losses Provision
1,700
883
1,083
2,005
2,540
--
--
--
680
868
1,091
--
307
263
299
223
Other Expenses
6,339
3,158
10,901
7,198
6,808
8,920
13,527
11,916
10,289
16,848
16,609
2,227
4,461
3,815
7,965
368
Earnings Before DDA
4,562
7,357
8,048
10,003
12,115
10,167
9,188
9,577
6,156
3,569
5,063
1,899
1,533
92.00
42.67
3,395
   
Depreciation, Depletion and Amortization
--
1,585
598
630
771
932
929
1,015
1,129
1,357
1,357
--
627
--
731
--
   
Operating Income
4,562
5,772
7,450
9,374
11,344
9,235
8,259
8,563
5,027
2,212
3,705
1,899
907
92.00
-688
3,395
Net Income
2,964
4,124
5,071
6,315
8,181
7,180
6,127
6,660
4,005
2,235
3,207
1,340
673
195
26.67
2,312
   
Earnings per Share ($)
0.89
1.18
1.43
1.78
2.19
1.73
1.44
1.53
0.84
0.43
0.58
0.26
0.13
0.04
--
0.41
Total Shares Outstanding
3,316
3,492
3,512
3,539
3,735
3,846
3,901
4,068
4,870
5,148
5,594
5,128
5,372
4,867
--
5,594
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
10,794
28,488
16,443
16,687
30,155
19,545
21,792
26,641
41,252
49,255
40,277
33,164
32,015
37,609
49,255
40,277
Money Market Investments
25,216
9,283
79,985
--
--
--
--
--
--
635
--
--
--
--
635
--
Net Loan
148,567
170,860
244,135
279,855
339,026
369,494
467,777
362,494
378,007
383,410
516,735
506,105
516,345
520,793
511,213
516,735
Securities & Investments
70,458
111,532
65,875
134,646
158,998
170,820
9,428
164,419
181,400
219,292
216,931
203,211
203,792
224,527
219,292
216,931
Accounts Receivable
--
--
6,763
--
--
--
--
--
--
2,611
--
--
--
--
2,611
--
Property, Plant and Equipment
5,045
3,640
5,117
5,088
5,925
9,211
6,497
6,843
9,773
7,864
10,441
9,832
9,969
11,195
7,864
10,441
Intangible Assets
5,415
12,726
2,758
4,359
11,010
11,252
9,664
10,676
11,569
11,883
11,936
11,400
11,901
11,799
11,883
11,936
Other Assets
116,702
82,295
101,714
108,586
125,547
143,211
198,262
165,911
174,916
175,431
47,777
36,924
55,789
54,673
47,628
47,777
Total Assets
382,198
418,824
522,789
549,221
670,661
723,533
713,420
736,984
796,917
850,380
844,097
800,636
829,812
860,596
850,380
844,097
   
Total Deposits
187,737
222,213
332,668
334,348
433,655
429,388
432,660
458,625
499,568
532,304
527,801
503,393
525,325
535,263
532,304
527,801
Accounts Payable
--
--
--
--
--
--
2,944
2,927
3,107
1,592
--
--
--
--
1,592
--
Current Portion of Long-Term Debt
--
69,104
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Long-Term Debt
137,562
68,460
102,009
121,694
131,756
161,525
157,089
136,799
129,799
15,775
16,012
131,320
120,104
131,585
15,775
16,012
Other liabilities
36,822
27,783
70,744
68,900
69,109
98,412
81,577
99,484
113,557
242,557
239,996
113,471
129,783
135,363
242,557
239,996
Total Liabilities
362,121
387,560
505,421
524,942
634,520
689,325
674,271
697,835
746,031
792,228
783,809
748,184
775,212
802,211
792,228
783,809
   
Common Stock
2,084
2,214
2,214
2,321
2,454
--
2,449
2,449
3,204
3,560
--
--
3,516
--
3,560
--
Retained Earnings
3,309
20,185
5,071
6,315
7,491
16,813
20,379
20,379
4,005
2,235
--
--
2,013
--
2,235
--
Additional Paid-In Capital
8,351
10,895
8,871
12,773
17,053
17,027
16,604
16,604
25,361
27,957
--
--
27,957
--
27,957
--
Treasury Stock
--
--
-128
-196
-519
-960
-299
-299
-400
-148
--
--
-573
--
-148
--
Total Equity
20,077
31,264
17,368
24,279
36,141
34,208
39,149
39,149
50,887
58,152
60,288
52,452
54,600
58,385
58,152
60,288
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
--
4,124
5,423
6,628
8,567
7,180
6,127
6,660
4,647
3,103
3,103
--
2,443
--
660
--
Depreciation, Depletion and Amortization
--
1,585
598
630
771
932
929
1,015
1,129
1,357
1,357
--
627
--
731
--
Cash Flow from Others
--
-4,300
1,987
-3,501
13,554
-10,768
-3,633
3,663
20,639
9,668
9,668
--
-9,891
--
19,559
--
Cash Flow from Operations
--
1,409
8,008
3,757
22,892
-2,656
3,423
11,337
26,415
14,128
14,128
--
-6,821
--
20,949
--
   
Investment for Property, Plant & Equipement
--
--
--
--
--
-2,135
--
--
-2,567
-3,316
-3,316
--
-1,015
--
-2,301
--
Cash Flow from Acquisitions
--
--
--
--
--
-2,061
52.00
195
-6,180
--
--
--
4.00
--
-4.00
--
Cash Flow from Investing
--
-27,571
-5,584
-3,654
-11,286
-3,820
-857
-9,437
-8,829
-1,447
-1,447
--
-228
--
-1,219
--
   
Net Issuance of Stock
--
2,663
--
3,918
4,358
--
17,688
26,908
251
361
361
--
-171
--
532
--
Net Issuance of Debt
--
14,623
1,848
139
2,649
1,067
6,360
5,401
-307
-2,849
-2,849
--
-2,345
--
-504
--
Cash Flow for Dividends
--
-1,799
-2,125
-2,553
-3,237
-3,751
2,089
1,624
-1,375
-1,692
-1,692
--
-828
--
-864
--
Other Financing
--
10,642
-463
-321
-288
-344
-26,236
-32,403
-261
-476
-476
--
-317
--
-159
--
Cash Flow from Financing
--
26,129
-741
1,183
3,481
-3,028
-98.67
1,531
-1,692
-4,656
-4,656
--
-3,661
--
-995
--
   
Net Change in Cash
--
-32.51
1,684
1,286
15,088
-10,559
2,252
4,848
14,613
8,653
8,653
--
-9,229
--
17,883
--
   
Free Cash Flow
--
1,409
8,008
3,757
22,892
-4,791
3,423
11,337
23,848
10,812
10,812
--
-7,836
--
18,648
--
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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