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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 1.4  -4.7   
EBITDA Growth (%)  
Free Cash Flow Growth (%)  
Book Value Growth (%) -3.2  -3.2   

*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 DataAnnualsSemi-Annual
Fiscal Period
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 TTM Sep11 Dec11 Mar12 Jun12 Sep12
   
Revenue per Share ($)
3.64
3.78
4.73
5.63
5.65
5.38
4.74
4.36
4.56
4.62
4.37
1.17
1.15
1.14
1.06
1.02
EBITDA per Share
1.40
1.30
1.69
2.14
2.10
1.04
0.59
-7.29
0.67
-1.96
-3.30
0.07
-2.30
0.10
-0.63
-0.47
Free Cashflow per Share
0.96
1.22
1.67
2.36
1.12
1.64
1.81
-0.15
1.22
1.90
1.04
0.38
0.12
0.30
0.46
0.16
Earnings per Share ($)
0.84
0.71
1.02
1.35
1.17
0.49
0.06
-7.06
0.05
-2.85
-4.10
-0.04
-2.81
-0.01
-0.71
-0.57
Dividends Per Share
0.48
0.52
0.52
0.52
0.52
0.52
0.52
0.04
--
--
--
--
--
--
--
--
Book Value per Share
9.28
13.13
11.03
11.71
12.25
19.64
16.35
9.30
9.25
6.38
5.20
9.46
6.37
6.27
5.76
5.20
Month End Stock Price
11.10
16.02
24.61
20.10
25.52
12.10
14.76
2.87
2.67
1.24
2.98
2.30
1.24
1.45
2.99
2.98
RatiosAnnualsSemi-Annual
Fiscal Period
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Latest Q. Sep11 Dec11 Mar12 Jun12 Sep12
   
Return on Equity %
9.10
5.40
9.20
11.50
9.60
2.50
0.40
-74.10
2.40
-41.90
-40.80
--
-174
2.40
-46.40
-40.80
Return on Assets %
1.10
0.60
0.90
1.20
1.00
0.30
0.10
-6.20
0.20
-2.40
-2.00
--
-9.60
--
-2.40
-2.00
Return on Capital - Joel Greenblatt %
4,505
52.80
132
--
--
35.40
--
-345
--
--
--
--
--
--
--
--
Debt to Equity
0.22
0.55
0.60
0.90
0.72
0.57
0.39
0.69
0.69
0.79
0.70
0.53
0.79
0.80
0.63
0.70
   
Operating Margin %
32.70
26.20
28.30
31.80
30.70
12.00
1.10
-178
5.90
-49.00
-51.90
-0.40
-206
3.20
-66.40
-51.90
Net Margin %
23.10
18.80
21.60
24.00
20.80
9.00
1.50
-158
4.80
-57.90
-51.90
0.10
-240
3.10
-62.80
-51.90
   
Debt to Revenue
0.55
1.90
1.40
1.87
1.56
2.07
1.35
1.47
1.40
1.10
3.57
4.30
4.38
4.41
3.43
3.57
Interest Exp. to Revenue %
76.13
75.38
78.89
82.57
81.81
78.63
72.63
70.15
74.75
75.28
72.28
74.99
74.75
73.48
75.26
72.28
   
Asset Turnover
0.05
0.03
0.04
0.05
0.05
0.03
0.04
0.04
0.04
0.04
0.01
0.01
0.01
0.01
0.01
0.01
Buyback Ratio
--
--
--
--
--
--
--
--
--
1.50
--
--
--
--
--
--
Dividend Payout Ratio
0.57
0.73
0.51
0.39
0.44
1.07
7.33
--
--
--
--
--
--
--
--
--
Income StatementAnnuals (USD $) View: Semi-Annual
Fiscal Period
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 TTM Sep11 Dec11 Mar12 Jun12 Sep12
   
Net Interest Income
24.14
25.34
41.34
52.04
52.27
53.78
60.90
53.86
60.41
62.21
58.14
15.81
15.47
15.07
14.35
13.25
Non Interest Income
7.57
8.28
11.06
10.99
11.62
14.62
22.96
22.92
20.40
20.42
20.46
5.27
5.23
5.44
4.72
5.08
Revenue
31.71
33.61
52.40
63.03
63.89
68.40
83.86
76.78
80.81
82.63
78.60
21.08
20.70
20.51
19.07
18.33
   
Selling, General, &Admin. Expense
11.32
12.90
18.52
19.93
21.39
25.01
31.82
32.50
31.26
35.29
34.94
8.11
8.67
8.68
8.56
9.02
Credit Losses Provision
0.96
2.08
4.02
5.73
4.59
12.44
15.26
37.38
12.30
32.10
44.40
6.00
17.60
3.60
13.70
9.50
Other Expenses
7.21
7.08
11.11
13.48
14.11
17.74
26.42
135
25.33
50.30
58.46
5.71
35.73
6.36
8.20
8.18
Earnings Before DDA
12.21
11.55
18.76
23.90
23.79
13.21
10.36
-128
11.92
-35.06
-59.20
1.26
-41.30
1.87
-11.39
-8.38
   
Depreciation, Depletion and Amortization
1.85
2.75
3.95
3.86
4.20
5.02
9.40
7.95
7.12
5.42
4.91
1.35
1.30
1.21
1.28
1.13
   
Operating Income
10.36
8.80
14.81
20.04
19.59
8.19
0.96
-136
4.80
-40.48
-64.11
-0.09
-42.60
0.66
-12.67
-9.50
Net Income
7.32
6.32
11.30
15.12
13.29
6.19
1.26
-121
3.88
-47.85
-70.54
0.03
-49.70
0.64
-11.97
-9.50
   
Preferred dividends
--
--
--
--
--
--
--
3.03
3.03
3.09
3.13
0.77
0.78
0.78
0.78
0.79
Earnings per Share ($)
0.84
0.71
1.02
1.35
1.17
0.49
0.06
-7.06
0.05
-2.85
-4.10
-0.04
-2.81
-0.01
-0.71
-0.57
Total Shares Outstanding
8.72
8.89
11.07
11.19
11.31
12.70
17.70
17.62
17.72
17.90
17.96
17.95
17.95
17.95
17.96
17.96
Balance SheetAnnuals (USD $) View: Semi-Annual
Fiscal Period
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Latest Q. Sep11 Dec11 Mar12 Jun12 Sep12
   
Cash and cash equivalents
27.08
43.64
41.97
54.38
64.15
69.38
85.07
59.68
170
99.85
161
127
99.85
135
122
161
Money Market Investments
13.42
30.08
6.00
32.00
62.50
59.40
--
--
--
--
--
--
--
--
--
--
Net Loan
411
711
893
989
988
1,609
1,503
1,423
1,335
1,235
1,127
1,264
1,235
1,213
1,166
1,127
Securities & Investments
185
193
152
132
118
246
222
262
426
517
498
508
517
479
521
498
Accounts Receivable
4.32
5.21
6.03
7.07
7.82
12.48
7.93
6.69
6.49
6.23
5.70
6.27
6.23
6.06
5.97
5.70
Property, Plant and Equipment
15.74
34.98
38.43
39.74
47.32
88.33
83.59
79.17
75.60
71.30
69.26
73.22
71.30
70.54
70.04
69.26
Intangible Assets
5.94
49.13
46.51
45.75
44.95
109
107
6.83
4.63
3.52
2.84
3.76
3.52
3.29
3.07
2.84
Other Assets
2.96
9.81
7.24
4.87
19.76
47.10
79.75
110
141
98.87
91.35
137
98.87
100
98.33
91.35
Total Assets
666
1,077
1,191
1,305
1,353
2,240
2,088
1,947
2,158
2,032
1,955
2,119
2,032
2,009
1,987
1,955
   
Total Deposits
563
849
987
1,042
1,104
1,828
1,662
1,653
1,865
1,812
1,780
1,843
1,812
1,791
1,800
1,780
Accounts Payable
--
38.42
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Current Portion of Long-Term Debt
11.58
25.32
14.77
8.60
4.12
4.20
--
20.00
20.00
20.00
20.00
20.00
20.00
20.00
20.00
20.00
Long-Term Debt
6.00
38.50
58.50
110
95.52
137
113
93.04
92.80
70.54
45.33
70.60
70.54
70.48
45.39
45.33
Other liabilities
4.63
9.40
8.87
14.52
11.11
21.11
22.91
16.45
16.61
15.38
15.23
15.70
15.38
14.20
18.21
15.23
Total Liabilities
585
960
1,069
1,174
1,215
1,991
1,799
1,783
1,994
1,918
1,861
1,949
1,918
1,896
1,883
1,861
   
Common Stock
0.09
0.11
0.11
0.01
0.11
0.18
0.18
0.18
--
0.18
0.18
0.18
0.18
0.18
0.18
0.18
Preferred Stock
--
--
--
--
--
--
47.09
47.59
48.14
48.73
49.20
48.58
48.73
48.88
49.04
49.20
Retained Earnings
38.79
40.56
46.15
55.49
62.63
62.36
53.35
-71.59
-70.75
-122
-143
-71.21
-122
-122
-134
-143
Additional Paid-In Capital
41.95
76.83
77.83
79.50
80.43
190
193
194
194
195
195
195
195
195
195
195
Treasury Stock
-2.41
-3.36
-2.41
-2.41
-3.57
-3.84
-2.41
-2.41
-2.41
-2.41
-3.42
-2.41
-2.41
-2.41
-2.41
-3.42
Total Equity
80.90
117
122
131
139
250
289
164
164
114
93.47
170
114
113
103
93.47
Cashflow StatementAnnuals (USD $) View: Semi-Annual
Fiscal Period
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 TTM Sep11 Dec11 Mar12 Jun12 Sep12
   
Net Income
7.32
6.32
10.56
13.28
13.29
6.19
1.26
-121
3.88
-47.85
-70.54
0.03
-49.70
0.64
-11.97
-9.50
Depreciation, Depletion and Amortization
1.85
2.75
3.95
3.86
4.20
5.02
9.40
7.95
7.12
5.42
4.91
1.35
1.30
1.21
1.28
1.13
Cash Flow from Others
-0.83
1.74
3.94
9.32
-4.87
9.63
21.44
112
11.93
76.49
84.20
5.86
49.63
3.79
19.47
11.32
Cash Flow from Operations
8.35
10.81
18.45
26.45
12.62
20.83
32.10
-1.67
22.92
34.07
18.57
7.24
1.23
5.63
8.78
2.94
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
--
-0.89
-1.35
-0.00
-0.03
-0.43
0.86
-0.22
-0.55
-0.12
Cash Flow from Acquisitions
3.51
9.27
-38.42
--
--
22.17
--
--
--
--
--
--
--
--
--
--
Cash Flow from Investing
-33.87
-4.25
-229
-131
-19.06
60.06
45.53
8.75
-243
55.19
71.88
30.40
33.09
8.67
13.10
17.03
   
Net Issuance of Stock
-1.84
0.39
0.89
0.81
0.44
0.27
2.87
0.00
0.00
0.71
--
--
--
--
--
--
Net Issuance of Preferred Stock
--
--
--
--
--
--
47.06
--
--
--
--
--
--
--
--
--
Net Issuance of Debt
3.96
23.39
9.45
45.48
-19.01
-3.18
-28.21
-0.43
-0.25
-22.27
-25.27
-0.09
-0.06
-0.06
-25.09
-0.07
Cash Flow for Dividends
-4.15
-4.55
-5.61
-5.54
-5.56
-6.40
-8.81
-3.01
-2.48
-2.50
-0.94
-0.63
-0.62
-0.31
-0.00
--
Other Financing
25.50
7.94
176
105
62.28
-71.74
-165
-9.04
211
-53.13
-62.35
-39.29
-31.17
-20.22
8.18
-19.14
Cash Flow from Financing
23.47
27.17
180
146
38.16
-81.06
-152
-12.48
209
-77.19
-88.56
-40.01
-31.85
-20.59
-16.91
-19.20
   
Net Change in Cash
-2.05
33.74
-30.53
40.69
31.72
-0.16
-74.87
-5.41
-11.44
12.06
1.90
-2.37
2.46
-6.29
4.97
0.77
   
Free Cash Flow
8.35
10.81
18.45
26.45
12.62
20.83
32.10
-2.56
21.57
34.06
18.54
6.81
2.09
5.40
8.23
2.82
Valuation Ratios (Daily)AnnualsSemi-Annual
Fiscal Period
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Latest Q. Sep11 Dec11 Mar12 Jun12 Sep12
   
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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Earnings Yield (Joel Greenblatt) 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 QualityAnnualsSemi-Annual
Fiscal Period
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Latest Q. Sep11 Dec11 Mar12 Jun12 Sep12
   
Market Cap 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
Enterprise Value 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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Net Cash (per share) 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
Net Current Asset Value (per share) 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
DCF (per share) 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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Peter Lynch Fair Value (per share) 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
Graham Number (per share) 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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