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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 4.7  -5.2  -8.4 
EBITDA Growth (%) -5.3  6.8  1.3 
Free Cash Flow Growth (%) 5300 
Book Value Growth (%) 4.6  0.2  5.2 

*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 ($)
2.02
2.19
2.53
2.68
2.97
2.75
4.48
3.53
3.05
2.55
2.93
0.86
0.97
0.65
0.72
0.59
EBITDA per Share
0.92
1.01
1.22
1.25
0.96
0.39
1.17
0.71
0.68
0.71
0.76
0.21
0.23
0.20
0.13
0.20
Free Cashflow per Share
0.62
1.48
0.39
0.34
0.80
0.11
1.25
0.40
-0.03
2.35
1.08
1.39
-0.92
1.26
0.61
0.13
Earnings per Share ($)
0.50
0.57
0.71
0.74
0.68
0.25
0.58
0.35
0.37
0.40
0.41
0.11
0.12
0.09
0.07
0.13
Dividends Per Share
0.22
0.23
0.24
0.30
0.32
0.32
0.24
0.18
0.12
0.12
0.12
0.03
0.03
0.03
0.03
0.03
Book Value per Share
3.66
4.05
4.42
4.92
5.16
5.28
5.72
5.65
5.33
5.53
5.66
5.38
5.53
5.63
5.64
5.66
Month End Stock Price
8.42
12.35
10.10
11.99
8.75
4.23
5.28
4.25
3.35
4.60
5.12
4.42
4.08
4.48
4.60
5.12
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
13.70
14.10
16.00
15.00
13.20
3.50
9.00
6.10
6.60
6.70
7.60
7.60
8.00
6.00
5.20
7.60
Return on Assets %
1.00
1.10
1.20
1.10
1.00
0.30
0.70
0.70
0.80
0.80
0.80
0.80
0.80
0.80
0.40
0.80
Return on Capital - Joel Greenblatt %
--
28.90
55.90
30.70
13.20
2.20
--
--
--
--
--
--
--
--
--
--
Debt to Equity
1.15
1.13
1.80
1.26
1.64
2.17
1.29
1.55
1.20
1.27
1.29
1.14
1.25
1.04
1.27
1.29
   
Operating Margin %
39.60
41.40
45.50
43.40
28.30
9.00
22.90
18.20
20.50
25.60
30.20
23.00
22.40
29.90
16.70
30.20
Net Margin %
24.80
26.10
28.10
27.40
23.00
9.20
15.40
11.80
14.00
17.80
21.90
14.20
14.20
16.30
12.10
21.90
   
Debt to Revenue
2.08
2.10
3.14
2.32
2.84
5.65
2.19
2.96
2.55
3.37
15.06
8.66
8.67
10.96
12.25
15.06
Interest Exp. to Revenue %
87.23
88.49
90.51
91.95
82.92
89.05
74.24
62.47
65.73
84.19
91.17
58.31
54.91
86.53
76.34
91.17
   
Asset Turnover
0.04
0.04
0.04
0.04
0.04
0.03
0.05
0.06
0.06
0.04
0.01
0.02
0.02
0.01
0.01
0.01
Buyback Ratio
--
--
--
--
--
--
--
-509
--
--
--
--
--
--
--
--
Dividend Payout Ratio
0.43
0.40
0.34
0.41
0.47
1.27
0.35
0.43
0.28
0.26
0.23
0.25
0.22
0.28
0.35
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
14.69
16.89
20.24
22.04
22.01
21.35
28.99
32.99
34.09
35.11
35.09
8.47
8.71
9.12
8.75
8.51
Non Interest Income
2.15
2.20
2.12
1.93
4.54
2.62
10.06
19.82
17.77
6.59
12.11
6.05
7.15
1.42
2.71
0.82
Revenue
16.85
19.08
22.36
23.96
26.55
23.97
39.06
52.81
51.86
41.70
47.19
14.52
15.86
10.53
11.47
9.33
   
Selling, General, &Admin. Expense
5.45
5.94
6.88
8.02
8.67
7.75
13.83
18.40
21.76
12.87
16.57
6.59
6.94
3.18
3.15
3.30
Credit Losses Provision
0.52
0.59
0.45
0.23
3.29
6.52
9.48
12.85
8.99
9.40
9.15
1.30
1.65
1.90
4.55
1.05
Other Expenses
3.19
3.76
4.20
4.57
6.05
6.30
5.58
10.97
9.57
7.89
9.13
3.04
3.47
2.16
1.64
1.87
Earnings Before DDA
7.69
8.79
10.83
11.15
8.54
3.40
10.18
10.59
11.54
11.54
12.35
3.59
3.81
3.30
2.13
3.11
   
Depreciation, Depletion and Amortization
1.02
0.88
0.66
0.75
1.03
1.24
1.22
0.96
0.90
0.87
0.92
0.25
0.25
0.15
0.22
0.30
   
Operating Income
6.67
7.91
10.17
10.41
7.51
2.16
8.96
9.63
10.64
10.67
11.43
3.34
3.55
3.15
1.91
2.82
Net Income
4.18
4.98
6.28
6.57
6.11
2.19
6.01
6.22
7.26
7.42
7.40
2.06
2.25
1.72
1.38
2.04
   
Preferred dividends
--
--
--
--
--
--
0.94
0.94
0.94
0.88
0.74
0.19
0.25
0.25
0.20
0.05
Earnings per Share ($)
0.50
0.57
0.71
0.74
0.68
0.25
0.58
0.35
0.37
0.40
0.41
0.11
0.12
0.09
0.07
0.13
Total Shares Outstanding
8.33
8.70
8.85
8.93
8.94
8.73
8.71
14.95
16.99
16.34
15.70
16.81
16.30
16.24
16.03
15.70
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
23.84
13.12
17.44
14.66
13.84
33.72
68.24
63.26
48.12
45.07
67.83
64.73
65.26
64.43
45.07
67.83
Money Market Investments
8.20
7.80
11.71
27.71
11.25
57.12
--
--
--
--
--
--
--
--
--
--
Net Loan
278
319
363
409
486
519
617
631
638
653
602
625
646
622
653
602
Securities & Investments
71.43
82.89
101
106
78.47
132
80.06
189
204
229
256
193
201
214
229
256
Accounts Receivable
--
2.15
2.56
3.45
3.49
3.58
--
--
--
--
--
--
--
--
--
--
Property, Plant and Equipment
5.81
5.48
5.63
8.60
10.96
10.67
9.98
9.70
9.75
9.74
10.00
9.97
10.33
9.62
9.74
10.00
Intangible Assets
--
0.37
0.26
0.15
--
--
3.73
3.70
3.83
0.06
0.05
3.82
3.81
0.06
0.06
0.05
Other Assets
13.68
7.93
9.80
13.47
14.04
18.50
34.09
42.39
36.99
42.47
42.70
34.31
35.65
36.59
42.47
42.70
Total Assets
401
439
512
583
618
774
813
939
941
979
979
931
963
946
979
979
   
Total Deposits
328
353
372
439
474
555
640
649
667
701
698
664
682
692
701
698
Accounts Payable
--
--
2.77
2.68
2.39
1.70
--
--
--
--
--
--
--
--
--
--
Current Portion of Long-Term Debt
--
35.00
30.00
40.00
60.00
120
--
--
7.60
--
--
0.22
22.11
--
--
--
Long-Term Debt
35.00
5.00
40.31
15.47
15.47
15.47
85.47
156
124
140
140
125
115
115
140
140
Other liabilities
8.11
10.38
27.32
41.97
20.68
19.19
21.00
32.82
30.89
27.59
30.88
30.89
32.39
28.01
27.59
30.88
Total Liabilities
371
403
473
540
572
712
747
838
830
869
870
820
852
835
869
870
   
Common Stock
9.54
10.72
11.01
--
--
--
--
--
--
--
--
--
--
--
--
--
Preferred Stock
--
--
--
--
--
16.55
16.64
16.73
19.93
19.93
19.93
19.93
19.93
19.93
19.93
19.93
Retained Earnings
21.24
24.90
29.42
33.34
36.61
36.01
39.00
41.72
45.67
50.26
51.79
47.05
48.57
49.55
50.26
51.79
Additional Paid-In Capital
--
--
--
11.52
10.00
9.65
9.73
42.76
43.12
38.87
35.62
41.19
40.17
39.55
38.87
35.62
Total Equity
30.51
35.28
39.14
43.92
46.16
62.58
66.48
101
110
110
109
110
110
111
110
109
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
4.18
4.98
6.28
6.57
6.11
2.19
6.27
6.47
7.80
--
2.42
2.24
2.42
--
--
--
Depreciation, Depletion and Amortization
1.02
0.88
0.66
0.75
1.03
1.24
1.22
0.96
0.90
0.87
0.92
0.25
0.25
0.15
0.22
0.30
Cash Flow from Others
-0.04
7.01
-3.53
-4.29
0.01
-2.49
3.81
-0.77
-8.31
38.81
15.12
21.25
-17.08
20.15
9.83
2.23
Cash Flow from Operations
5.16
12.88
3.41
3.03
7.15
0.94
11.31
6.67
0.39
39.68
18.47
23.74
-14.41
20.29
10.05
2.53
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
-0.38
-0.68
-0.96
-1.31
-1.41
-0.46
-0.62
0.12
-0.35
-0.56
Cash Flow from Acquisitions
--
--
--
--
--
--
0.27
--
--
0.32
0.32
--
--
0.32
--
--
Cash Flow from Investing
-36.89
-53.49
-65.44
-54.79
-52.33
-91.73
-44.28
-124
-4.98
-82.75
-64.28
5.82
-14.87
-12.14
-61.56
24.30
   
Net Issuance of Stock
0.80
1.17
0.47
-0.21
-1.78
-0.46
--
32.97
--
-4.31
-5.60
-1.96
-1.03
-0.63
-0.68
-3.26
Net Issuance of Preferred Stock
--
--
--
--
--
17.00
--
--
2.93
--
--
--
--
--
--
--
Net Issuance of Debt
17.04
3.26
51.19
-14.85
-1.60
58.34
-66.04
74.93
-29.15
16.00
22.38
-6.38
11.89
-14.51
25.00
--
Cash Flow for Dividends
-1.76
-1.96
-1.55
-2.65
-2.84
-2.79
-3.12
-3.43
-2.78
-2.93
-2.84
-0.77
-0.68
-0.74
-0.75
-0.68
Other Financing
13.09
25.34
19.24
82.18
34.37
81.65
85.18
8.24
18.45
32.06
35.77
-3.83
19.62
7.71
8.56
-0.13
Cash Flow from Financing
29.18
27.81
69.35
64.47
28.14
154
16.02
113
-10.55
40.83
49.71
-12.95
29.80
-8.17
32.14
-4.06
   
Net Change in Cash
-2.55
-12.80
7.32
12.71
-17.03
62.96
-16.95
-4.98
-15.14
-2.25
3.90
16.61
0.53
-0.02
-19.37
22.76
   
Free Cash Flow
5.16
12.88
3.41
3.03
7.15
0.94
10.93
5.99
-0.57
38.37
17.05
23.28
-15.02
20.41
9.70
1.96
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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