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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) -2.6  -11.8 
EBITDA Growth (%) -116 
Free Cash Flow Growth (%) -2.4 
Book Value Growth (%) 6  4.2 

*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 ($)
2.76
3.71
4.26
3.68
3.57
4.42
4.34
5.77
4.40
3.85
4.09
1.23
0.43
0.82
1.40
1.44
EBITDA per Share
1.10
1.56
1.94
1.76
1.46
1.18
1.52
2.63
1.25
-0.19
0.01
0.36
-0.51
-0.29
0.24
0.57
Free Cashflow per Share
0.61
0.95
0.39
1.21
1.04
1.25
-0.02
-0.44
1.27
1.26
1.10
0.45
0.45
0.12
0.22
0.31
Earnings per Share ($)
0.65
0.94
1.20
1.08
0.90
0.74
0.80
2.05
0.64
-0.23
-0.13
0.17
-0.37
-0.15
0.12
0.27
Dividends Per Share
--
--
--
--
0.32
0.41
0.48
0.48
0.48
0.48
0.48
0.12
0.12
0.12
0.12
0.12
Book Value per Share
5.69
6.71
12.13
10.05
9.81
10.56
10.99
14.17
10.61
10.24
10.92
10.45
9.72
9.62
10.76
10.92
Month End Stock Price
14.08
15.32
15.60
16.76
15.55
10.40
9.01
9.80
10.09
9.45
--
10.00
10.37
10.52
9.45
--
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
11.30
13.90
9.90
10.70
9.10
7.00
7.30
14.50
6.00
-2.30
10.40
6.40
-15.20
-6.40
4.80
10.40
Return on Assets %
0.80
1.00
1.00
1.10
0.80
0.60
0.60
1.30
0.50
-0.20
0.80
0.40
-1.20
-0.40
0.40
0.80
Return on Capital - Joel Greenblatt %
21.20
54.10
--
--
--
611
--
--
--
--
--
--
--
--
--
--
Debt to Equity
1.18
0.54
1.13
1.43
2.35
2.34
2.22
1.15
1.30
1.43
1.23
1.16
1.29
1.37
1.43
1.23
   
Operating Margin %
39.00
41.90
44.50
46.10
39.30
25.40
31.40
39.30
22.70
-12.50
33.60
22.40
-132
-43.20
12.10
33.60
Net Margin %
23.30
25.20
28.20
29.20
25.10
16.70
18.40
35.60
14.60
-6.00
19.80
13.70
-84.60
-18.90
8.90
19.80
   
Debt to Revenue
2.43
0.98
3.22
3.89
6.46
5.58
5.62
2.83
3.12
3.80
9.35
9.86
28.71
16.00
11.00
9.35
Interest Exp. to Revenue %
95.32
95.67
94.77
93.38
93.82
95.87
95.42
65.60
95.31
121
93.57
88.93
258
144
91.41
93.57
   
Asset Turnover
0.03
0.04
0.04
0.04
0.03
0.04
0.03
0.04
0.03
0.03
0.01
0.01
0.00
0.01
0.01
0.01
Buyback Ratio
--
--
--
--
--
--
-1.70
-0.50
-3.90
--
--
--
--
--
--
--
Dividend Payout Ratio
--
--
--
--
0.36
0.56
0.60
0.23
0.75
--
0.42
0.71
--
--
0.97
0.42
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
9.80
13.76
15.92
17.78
16.57
19.96
19.38
26.43
39.58
41.70
42.82
10.30
10.25
10.26
10.90
11.42
Non Interest Income
0.48
0.62
0.88
1.26
1.09
0.86
0.93
13.86
1.95
-7.23
-7.59
1.28
-6.27
-3.12
1.02
0.78
Revenue
10.28
14.38
16.80
19.04
17.67
20.82
20.32
40.29
41.53
34.48
35.24
11.58
3.98
7.14
11.92
12.20
   
Selling, General, &Admin. Expense
2.98
4.14
4.59
5.54
6.03
5.73
6.07
11.67
14.26
17.40
16.83
4.57
4.50
4.37
3.97
4.00
Credit Losses Provision
0.88
0.69
1.12
0.63
--
1.30
1.55
2.45
4.10
4.90
5.50
0.60
1.20
1.60
1.50
1.20
Other Expenses
2.33
3.50
3.42
3.78
4.42
8.21
5.60
7.82
11.39
13.89
13.16
3.04
2.90
3.67
4.42
2.18
Earnings Before DDA
4.09
6.05
7.67
9.10
7.22
5.58
7.10
18.35
11.79
-1.72
-0.26
3.37
-4.62
-2.50
2.04
4.83
   
Depreciation, Depletion and Amortization
0.08
0.03
0.20
0.32
0.27
0.28
0.73
2.52
2.36
2.60
2.55
0.77
0.64
0.58
0.60
0.73
   
Operating Income
4.01
6.03
7.47
8.79
6.95
5.29
6.37
15.83
9.42
-4.31
-2.81
2.60
-5.26
-3.09
1.44
4.10
Net Income
2.40
3.62
4.73
5.57
4.44
3.47
3.75
14.33
6.05
-2.06
-1.24
1.59
-3.36
-1.35
1.06
2.41
   
Preferred dividends
--
--
--
--
--
--
--
--
--
--
0.13
--
--
--
--
0.13
Earnings per Share ($)
0.65
0.94
1.20
1.08
0.90
0.74
0.80
2.05
0.64
-0.23
-0.13
0.17
-0.37
-0.15
0.12
0.27
Total Shares Outstanding
3.72
3.88
3.94
5.17
4.94
4.71
4.68
6.98
9.43
8.94
8.49
9.45
9.14
8.69
8.51
8.49
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
11.79
4.53
25.15
25.84
11.78
6.76
67.35
121
117
35.13
38.02
116
103
72.33
35.13
38.02
Money Market Investments
1.25
0.94
2.78
3.72
5.56
5.74
--
--
--
--
--
--
--
--
--
--
Net Loan
189
246
285
321
367
408
406
779
847
924
932
833
829
848
924
932
Securities & Investments
90.31
117
140
149
167
142
134
167
208
166
144
213
201
186
166
144
Accounts Receivable
1.86
2.33
5.46
3.70
3.78
3.88
3.80
5.20
5.00
4.06
4.28
4.74
4.24
4.14
4.06
4.28
Property, Plant and Equipment
5.70
5.68
5.52
5.89
5.93
5.63
5.36
11.36
13.58
13.57
13.36
13.72
13.84
13.74
13.57
13.36
Other Assets
0.98
1.39
2.11
1.91
2.57
6.20
14.86
23.86
26.62
28.80
27.30
25.05
27.71
30.07
28.80
27.30
Total Assets
301
378
466
511
563
579
632
1,107
1,217
1,171
1,158
1,205
1,179
1,155
1,171
1,158
   
Total Deposits
254
337
363
383
399
411
464
886
978
941
944
982
965
948
941
944
Current Portion of Long-Term Debt
25.00
10.00
--
--
--
2.00
--
--
--
17.00
--
--
--
--
17.00
--
Long-Term Debt
--
4.12
54.12
74.12
114
114
114
114
130
114
114
114
114
114
114
114
Other liabilities
0.86
0.89
1.42
2.00
2.02
2.28
2.25
7.50
9.71
7.87
7.53
10.14
11.21
9.07
7.87
7.53
Total Liabilities
280
352
418
459
515
529
580
1,008
1,117
1,080
1,065
1,106
1,090
1,071
1,080
1,065
   
Common Stock
0.23
0.24
0.32
0.32
0.33
0.33
0.33
0.65
0.69
0.69
0.69
0.69
0.69
0.69
0.69
0.69
Retained Earnings
-5.55
-1.93
2.80
6.87
9.75
11.33
12.84
23.75
25.26
18.88
20.15
25.71
21.24
18.85
18.88
20.15
Additional Paid-In Capital
26.48
27.73
45.52
45.63
45.80
46.86
46.93
85.33
91.72
100
100
91.75
91.77
91.83
100
100
Treasury Stock
--
--
-0.80
-0.86
-7.39
-8.68
-8.72
-10.76
-16.33
-27.18
-27.42
-18.18
-23.72
-26.69
-27.18
-27.42
Total Equity
21.17
26.04
47.85
51.96
48.51
49.72
51.39
98.97
100
91.58
92.74
98.76
88.84
83.51
91.58
92.74
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
2.40
3.62
4.73
5.57
4.44
3.47
3.75
14.33
6.05
-2.06
-1.24
1.59
-3.36
-1.35
1.06
2.41
Depreciation, Depletion and Amortization
0.08
0.03
0.20
0.32
0.27
0.28
0.73
2.52
2.36
2.60
2.55
0.77
0.64
0.58
0.60
0.73
Cash Flow from Others
-0.19
0.02
-3.40
0.36
0.45
2.13
-4.47
-19.24
5.82
11.91
9.20
2.32
7.22
2.03
0.34
-0.39
Cash Flow from Operations
2.29
3.67
1.53
6.24
5.16
5.89
0.01
-2.39
14.24
12.44
10.51
4.68
4.50
1.27
2.00
2.75
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
-0.10
-0.70
-2.25
-1.14
-0.80
-0.42
-0.40
-0.18
-0.13
-0.09
Cash Flow from Acquisitions
--
--
--
--
--
--
--
22.98
5.90
--
--
--
--
--
--
--
Cash Flow from Investing
-111
-84.71
-63.60
-43.97
-67.37
-22.47
11.55
118
11.62
-52.67
-45.57
8.28
6.40
-11.42
-55.94
15.38
   
Net Issuance of Stock
--
1.07
17.08
0.03
-6.37
-0.37
0.02
-1.73
-5.33
-10.85
-9.24
-1.86
-5.54
-2.97
-0.49
-0.25
Net Issuance of Preferred Stock
--
--
--
--
--
--
--
--
--
8.57
8.57
--
--
--
8.57
--
Net Issuance of Debt
25.00
-10.88
40.00
20.00
40.00
2.00
-2.00
-43.82
--
1.59
--
-15.41
--
--
17.00
-17.00
Cash Flow for Dividends
--
--
--
-1.50
-1.56
-1.90
-2.23
-3.41
-4.55
-4.31
-4.19
-1.14
-1.11
-1.04
-1.02
-1.02
Other Financing
90.13
83.59
25.61
19.90
16.07
11.83
53.24
-13.26
-20.02
-36.73
-37.63
3.93
-16.67
-16.67
-7.32
3.02
Cash Flow from Financing
115
73.79
82.69
38.42
48.15
11.57
49.03
-62.22
-29.89
-41.73
-42.50
-14.47
-23.31
-20.68
16.74
-15.24
   
Net Change in Cash
6.64
-7.25
20.61
0.69
-14.06
-5.02
60.59
53.78
-4.04
-81.95
-77.56
-1.51
-12.41
-30.83
-37.20
2.89
   
Free Cash Flow
2.29
3.67
1.53
6.24
5.16
5.89
-0.09
-3.10
11.99
11.31
9.71
4.26
4.10
1.08
1.87
2.66
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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