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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 0.8 | -8.1 | -21.6 |
| EBITDA Growth (%) | -13.7 | -35.1 | -39 |
| Free Cash Flow Growth (%) | 0 | 0 | -11.9 |
| Book Value Growth (%) | 7.4 | 7.4 | 93.5 |
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 | Jun10 | Sep10 | Dec10 | Mar11 | Jun11 |
| Revenue per Share ($) | 11.65 |
13.30 |
15.49 |
21.60 |
22.54 |
19.70 |
15.94 |
15.80 |
15.97 |
12.94 |
14.97 |
4.21 |
2.72 |
4.68 |
3.94 |
3.63 |
| EBITDA per Share | 4.12 |
4.92 |
5.07 |
7.16 |
7.12 |
5.59 |
3.05 |
3.61 |
3.38 |
0.59 |
3.00 |
0.97 |
0.07 |
1.62 |
1.01 |
0.30 |
| Free Cashflow per Share | -3.57 |
4.49 |
-8.69 |
9.29 |
-9.87 |
26.13 |
21.36 |
8.13 |
13.37 |
-6.88 |
10.84 |
5.98 |
-- |
-3.73 |
-- |
14.57 |
| Earnings per Share ($) | 2.57 |
3.09 |
3.18 |
4.23 |
4.06 |
3.42 |
4.95 |
1.73 |
1.45 |
-0.52 |
1.29 |
0.63 |
0.02 |
0.53 |
0.52 |
0.22 |
| Dividends Per Share | 1.18 |
1.28 |
1.48 |
1.68 |
1.96 |
2.08 |
0.06 |
0.27 |
0.33 |
0.36 |
0.33 |
0.06 |
0.06 |
0.06 |
0.15 |
0.06 |
| Book Value per Share | 15.69 |
16.49 |
14.43 |
18.30 |
21.40 |
29.11 |
24.95 |
24.75 |
26.90 |
25.75 |
23.55 |
12.18 |
-- |
24.81 |
-- |
23.55 |
| Month End Stock Price | 36.35 |
45.68 |
42.08 |
58.14 |
40.37 |
9.80 |
17.60 |
16.52 |
10.99 |
17.32 |
16.43 |
15.89 |
18.85 |
16.52 |
18.14 |
16.43 |
| Ratios | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Jun10 | Sep10 | Dec10 | Mar11 | Jun11 |
| Return on Equity % | 16.40 |
18.80 |
22.00 |
23.10 |
19.00 |
12.00 |
19.90 |
7.00 |
5.40 |
-1.90 |
3.60 |
19.60 |
-- |
8.40 |
-- |
3.60 |
| Return on Assets % | 0.60 |
0.60 |
0.40 |
0.50 |
0.40 |
0.20 |
0.70 |
0.20 |
0.20 |
-0.10 |
-- | 0.80 |
-- |
0.40 |
-- |
-- |
| Debt to Equity | 3.70 |
4.60 |
5.93 |
0.70 |
0.78 |
0.82 |
3.46 |
0.56 |
0.45 |
0.45 |
0.52 |
0.52 |
-- |
0.56 |
-- |
0.52 |
| Operating Margin % | 30.90 |
32.80 |
30.30 |
30.50 |
28.80 |
24.50 |
15.20 |
18.70 |
17.80 |
0.40 |
8.30 |
23.00 |
2.60 |
20.50 |
25.60 |
8.30 |
| Net Margin % | 22.10 |
23.30 |
20.50 |
19.60 |
18.00 |
17.70 |
31.10 |
11.00 |
9.10 |
-3.90 |
6.10 |
14.20 |
0.90 |
11.30 |
13.10 |
6.10 |
| Debt to Revenue | 4.98 |
5.70 |
5.53 |
0.59 |
0.74 |
1.21 |
5.41 |
0.88 |
0.75 |
0.89 |
3.37 |
1.51 |
-- |
2.97 |
-- |
3.37 |
| Interest Exp. to Revenue % | 53.07 |
48.70 |
43.18 |
39.13 |
39.17 |
46.29 |
39.46 |
38.57 |
36.97 |
43.23 |
35.18 |
57.27 |
-- |
-29.55 |
-- |
35.18 |
| Asset Turnover | 0.03 |
0.03 |
0.02 |
0.02 |
0.02 |
0.01 |
0.02 |
0.02 |
0.02 |
0.02 |
0.01 |
0.01 |
-- |
0.01 |
-- |
0.01 |
| Dividend Payout Ratio | 0.30 |
0.27 |
0.31 |
0.26 |
0.32 |
0.39 |
0.01 |
0.10 |
0.15 |
-- |
0.18 |
0.07 |
1.71 |
0.08 |
0.19 |
0.18 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Jun10 | Sep10 | Dec10 | Mar11 | Jun11 |
| Net Interest Income | 9,993 |
10,362 |
12,232 |
13,848 |
14,575 |
17,272 |
18,058 |
18,974 |
18,486 |
17,635 |
19,308 |
9,044 |
25,611 |
-15,680 |
11,211 |
-1,833 |
| Non Interest Income | 8,837 |
10,915 |
16,098 |
21,545 |
22,632 |
20,039 |
27,703 |
30,226 |
31,512 |
23,161 |
27,674 |
16,959 |
-16,959 |
30,226 |
529 |
13,879 |
| Revenue | 18,830 |
21,276 |
28,330 |
35,393 |
37,207 |
37,312 |
45,761 |
49,200 |
49,998 |
40,795 |
46,982 |
26,003 |
8,652 |
14,545 |
11,739 |
12,045 |
| Selling, General, &Admin. Expense | 6,499 |
7,569 |
977 |
12,374 |
12,748 |
11,715 |
23,498 |
28,032 |
28,036 |
26,803 |
-- | -- |
-- |
-- |
-- |
-- |
| Credit Losses Provision | 2,038 |
1,655 |
2,380 |
3,263 |
4,239 |
8,161 |
-- |
-- |
-- |
-- |
-1,897 |
4,667 |
1,845 |
-6,512 |
1,395 |
1,374 |
| Other Expenses | 3,637 |
4,181 |
15,695 |
8,021 |
8,474 |
6,851 |
13,503 |
9,939 |
11,382 |
12,136 |
39,624 |
15,356 |
6,577 |
16,038 |
7,336 |
9,673 |
| Earnings Before DDA | 6,656 |
7,871 |
9,277 |
11,736 |
11,747 |
10,583 |
8,759 |
11,229 |
10,580 |
1,856 |
9,255 |
5,980 |
229 |
5,020 |
3,008 |
998 |
| Depreciation, Depletion and Amortization | 838 |
900 |
682 |
927 |
1,015 |
1,432 |
1,812 |
2,039 |
1,673 |
1,695 |
2,039 |
-- |
-- |
2,039 |
-- |
-- |
| Operating Income | 5,817 |
6,971 |
8,596 |
10,808 |
10,732 |
9,151 |
6,947 |
9,189 |
8,908 |
161 |
7,215 |
5,980 |
229 |
2,980 |
3,008 |
998 |
| Net Income | 4,152 |
4,949 |
5,819 |
6,924 |
6,699 |
6,599 |
14,232 |
5,400 |
4,556 |
-1,577 |
3,986 |
3,683 |
74.24 |
1,642 |
1,533 |
736 |
| Earnings per Share ($) | 2.57 |
3.09 |
3.18 |
4.23 |
4.06 |
3.42 |
4.95 |
1.73 |
1.45 |
-0.52 |
1.29 |
0.63 |
0.02 |
0.53 |
0.52 |
0.22 |
| Total Shares Outstanding | 1,616 |
1,600 |
1,829 |
1,638 |
1,651 |
1,894 |
2,871 |
3,113 |
3,132 |
3,154 |
3,318 |
6,170 |
3,177 |
3,106 |
2,976 |
3,318 |
| Balance Sheet | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Jun10 | Sep10 | Dec10 | Mar11 | Jun11 |
| Cash and cash equivalents | 5,648 |
5,338 |
8,796 |
14,773 |
11,583 |
47,763 |
123,459 |
147,924 |
164,706 |
132,774 |
131,691 |
157,467 |
-- |
147,924 |
-- |
131,691 |
| Money Market Investments | 10,860 |
10,084 |
235,889 |
263,691 |
277,660 |
196,318 |
217,320 |
311,776 |
232,826 |
268,115 |
298,283 |
298,561 |
-- |
311,776 |
-- |
298,283 |
| Net Loan | 288,369 |
329,929 |
299,932 |
313,128 |
385,898 |
506,457 |
461,359 |
465,741 |
479,380 |
466,218 |
758,688 |
748,773 |
-- |
705,668 |
-- |
758,688 |
| Securities & Investments | 159,266 |
211,411 |
242,972 |
730,863 |
959,022 |
2,043,113 |
314,889 |
354,511 |
390,338 |
403,333 |
399,448 |
332,883 |
-- |
354,511 |
-- |
399,448 |
| Accounts Receivable | -- |
-- |
-- |
-- |
-- |
-- |
2,414 |
2,394 |
567 |
382 |
1,995 |
1,456 |
-- |
2,394 |
-- |
1,995 |
| Property, Plant and Equipment | 2,708 |
2,909 |
4,172 |
3,775 |
4,544 |
7,039 |
8,524 |
9,303 |
10,858 |
6,164 |
9,388 |
8,694 |
-- |
9,303 |
-- |
9,388 |
| Intangible Assets | 6,667 |
6,504 |
11,045 |
11,067 |
12,582 |
15,666 |
13,326 |
13,177 |
11,888 |
11,992 |
12,941 |
13,370 |
-- |
13,177 |
-- |
12,941 |
| Other Assets | 197,371 |
224,513 |
597,412 |
172,517 |
210,183 |
275,513 |
947,996 |
952,212 |
1,078,418 |
969,084 |
649,568 |
843,564 |
-- |
712,285 |
-- |
649,568 |
| Total Assets | 670,888 |
790,689 |
1,400,218 |
1,509,814 |
1,861,472 |
3,091,868 |
2,089,286 |
2,257,038 |
2,368,980 |
2,258,062 |
2,262,003 |
2,404,767 |
-- |
2,257,038 |
-- |
2,262,003 |
| Total Deposits | 422,119 |
497,870 |
478,908 |
123,875 |
140,044 |
175,521 |
604,356 |
644,067 |
694,117 |
703,470 |
565,718 |
546,939 |
-- |
644,067 |
-- |
565,718 |
| Accounts Payable | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
19,061 |
18,533 |
-- | -- |
-- |
-- |
-- |
-- |
| Current Portion of Long-Term Debt | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Long-Term Debt | 93,679 |
121,283 |
156,521 |
20,881 |
27,527 |
44,943 |
247,571 |
43,180 |
37,682 |
36,391 |
40,585 |
39,286 |
-- |
43,180 |
-- |
40,585 |
| Other liabilities | 129,736 |
145,158 |
738,392 |
1,335,069 |
1,658,577 |
2,816,255 |
1,165,727 |
1,492,733 |
1,533,895 |
1,418,477 |
1,577,561 |
1,743,403 |
-- |
1,492,733 |
-- |
1,577,561 |
| Total Liabilities | 645,533 |
764,311 |
1,373,821 |
1,479,825 |
1,826,148 |
3,036,720 |
2,017,655 |
2,179,980 |
2,284,755 |
2,176,871 |
2,183,864 |
2,329,629 |
-- |
2,179,980 |
-- |
2,183,864 |
| Common Stock | 2,484 |
2,444 |
2,458 |
2,475 |
2,504 |
3,153 |
-- |
4,614 |
4,621 |
4,638 |
-- | -- |
-- |
4,614 |
-- |
-- |
| Retained Earnings | 12,860 |
14,129 |
13,568 |
18,432 |
31,804 |
36,458 |
51,280 |
55,705 |
59,655 |
56,765 |
57,455 |
54,626 |
-- |
55,705 |
-- |
57,455 |
| Additional Paid-In Capital | 8,197 |
8,366 |
8,559 |
8,812 |
84.81 |
6,092 |
12,047 |
14,082 |
14,136 |
14,267 |
18,729 |
13,717 |
-- |
14,082 |
-- |
18,729 |
| Treasury Stock | -- |
-- |
-274 |
-321 |
-394 |
-261 |
-212 |
-1,498 |
-250 |
-1,483 |
-197 |
-1,118 |
-- |
-1,498 |
-- |
-197 |
| Total Equity | 25,355 |
26,378 |
26,397 |
29,989 |
35,324 |
55,148 |
71,632 |
77,058 |
84,226 |
81,191 |
78,139 |
75,138 |
-- |
77,058 |
-- |
78,139 |
| Cashflow Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Jun10 | Sep10 | Dec10 | Mar11 | Jun11 |
| Net Income | 5,768 |
6,818 |
7,921 |
10,809 |
10,732 |
9,089 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Depreciation, Depletion and Amortization | 838 |
900 |
682 |
927 |
1,015 |
1,432 |
1,812 |
2,039 |
1,673 |
1,695 |
2,039 |
-- |
-- |
2,039 |
-- |
-- |
| Cash Flow from Discontinued Operations | -- |
-- |
-- |
-- |
-- |
-- |
-570 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Others | -12,376 |
-535 |
-24,505 |
3,482 |
-28,046 |
38,983 |
62,158 |
26,273 |
42,386 |
-22,477 |
37,724 |
36,902 |
-- |
-10,629 |
-- |
48,353 |
| Cash Flow from Operations | -5,770 |
7,183 |
-15,903 |
15,218 |
-16,300 |
49,504 |
63,400 |
28,312 |
44,059 |
-20,782 |
39,764 |
36,902 |
-- |
-8,589 |
-- |
48,353 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-2,085 |
-3,006 |
-2,203 |
-915 |
-3,006 |
-- |
-- |
-3,006 |
-- |
-- |
| Cash Flow from Acquisitions | -1,491 |
-352 |
-3,470 |
-376 |
-410 |
-1,088 |
453 |
1,465 |
-- |
-- |
1,465 |
-- |
-- |
1,465 |
-- |
-- |
| Cash Flow from Investing | 759 |
-10,524 |
-7,848 |
-1,748 |
15,263 |
-13,186 |
18,012 |
-8,526 |
-2,897 |
-10,756 |
-37,747 |
5,789 |
-- |
-14,315 |
-- |
-23,432 |
| Net Issuance of Stock | -39.88 |
153 |
-212 |
1,181 |
977 |
2,016 |
1,221 |
827 |
-2,198 |
-1,505 |
827 |
-- |
-- |
827 |
-- |
-- |
| Net Issuance of Debt | 1,441 |
83.73 |
1,083 |
3,222 |
5,978 |
12,708 |
-1,264 |
1,394 |
-4,732 |
-639 |
1,394 |
-- |
-- |
1,394 |
-- |
-- |
| Cash Flow for Dividends | -1,890 |
-2,130 |
-2,869 |
-3,355 |
-3,881 |
-2,705 |
-959 |
-1,980 |
-2,102 |
-2,162 |
-1,980 |
-- |
-- |
-1,980 |
-- |
-- |
| Other Financing | 4,936 |
6,457 |
24,900 |
0.00 |
2,019 |
7,736 |
-0.00 |
0.00 |
-- |
-- |
-2,168 |
-2,148 |
-- |
2,148 |
-- |
-4,317 |
| Cash Flow from Financing | 4,447 |
4,564 |
22,902 |
1,048 |
5,093 |
19,755 |
-1,002 |
241 |
-9,032 |
-4,306 |
-1,927 |
-2,148 |
-- |
2,389 |
-- |
-4,317 |
| Net Change in Cash | -563 |
1,224 |
-848 |
14,518 |
4,057 |
56,073 |
75,502 |
25,848 |
27,686 |
-42,070 |
-650 |
44,705 |
-- |
-18,856 |
-- |
18,206 |
| Free Cash Flow | -5,770 |
7,183 |
-15,903 |
15,218 |
-16,300 |
49,504 |
61,315 |
25,306 |
41,856 |
-21,697 |
36,758 |
36,902 |
-- |
-11,595 |
-- |
48,353 |
| Valuation Ratios (Daily) | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Jun10 | Sep10 | Dec10 | Mar11 | Jun11 |
| 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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| Valuation and Quality | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Jun10 | Sep10 | Dec10 | Mar11 | Jun11 |
| 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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| Median PS (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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