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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 (%) | 0 | 0 | -135.2 |
| Book Value Growth (%) | 7 | 5.3 | 5.3 |
See this page for the explanation of the data and charts
* All numbers are in millions except for per share data
| Per Share Data | Annuals | Quarterly | ||||||||||||||
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 |
| Ratios | Annuals | Quarterly | ||||||||||||||
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 Statement | Annuals (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 Sheet | Annuals (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 Statement | Annuals (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) | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| PE Ratio(ttm) | ![]() |
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| Price to Tangible Book | ![]() |
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| Price-to-Free-Cash-Flow ratio | ![]() |
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| PS Ratio | ![]() |
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| EV-to-Revenue | ![]() |
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| EV-to-EBITDA | ![]() |
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| EV-to-EBIT | ![]() |
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| Earnings Yield (Joel Greenblatt) | ![]() |
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| Forward Rate of Return | ![]() |
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| Shiller PE Ratio | ![]() |
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| Valuation and Quality | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Market Cap | ![]() |
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| Enterprise Value | ![]() |
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| Month End Stock Price | ![]() |
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| Net Cash (per share) | ![]() |
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| Net Current Asset Value (per share) | ![]() |
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| DCF (per share) | ![]() |
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| Median PS (per share) | ![]() |
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| Peter Lynch Fair Value (per share) | ![]() |
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| Graham Number (per share) | ![]() |
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| Altman Z-Score | ![]() |
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| Piotroski F-Score | ![]() |
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