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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 4.8 | 9.3 | 7.3 |
| EBITDA Growth (%) | 10.9 | -0.9 | 8.5 |
| Free Cash Flow Growth (%) | -3.6 | 3.3 | 35.5 |
| Book Value Growth (%) | 10.5 | 11.8 | 7.8 |
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 ($) | 31.42 |
34.08 |
34.47 |
33.12 |
35.23 |
36.04 |
36.87 |
41.41 |
46.62 |
50.09 |
51.03 |
12.35 |
12.52 |
12.49 |
12.74 |
13.28 |
| EBITDA per Share | 2.87 |
5.62 |
6.21 |
8.53 |
0.17 |
7.30 |
9.11 |
9.49 |
7.75 |
7.55 |
8.55 |
2.64 |
2.12 |
2.91 |
-0.16 |
3.68 |
| Free Cashflow per Share | 9.07 |
10.41 |
9.09 |
7.78 |
7.84 |
6.81 |
6.75 |
7.15 |
6.27 |
8.31 |
8.09 |
1.31 |
1.84 |
3.51 |
1.67 |
1.07 |
| Earnings per Share ($) | 2.23 |
4.01 |
4.47 |
5.98 |
7.01 |
4.92 |
6.18 |
6.76 |
5.76 |
5.69 |
6.32 |
1.83 |
1.48 |
1.98 |
0.38 |
2.48 |
| Dividends Per Share | 0.72 |
0.78 |
0.86 |
1.00 |
1.16 |
1.32 |
1.40 |
1.48 |
1.56 |
1.64 |
1.67 |
0.41 |
0.41 |
0.41 |
0.41 |
0.44 |
| Book Value per Share | 23.50 |
26.19 |
30.37 |
32.79 |
36.07 |
36.62 |
44.29 |
48.29 |
53.45 |
58.32 |
60.48 |
56.08 |
56.94 |
59.34 |
59.30 |
60.48 |
| Month End Stock Price | 34.05 |
38.45 |
48.83 |
52.91 |
54.58 |
51.00 |
49.18 |
59.64 |
69.22 |
75.32 |
87.53 |
69.11 |
72.82 |
76.28 |
75.32 |
87.53 |
| 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 % | 9.50 |
15.30 |
14.70 |
18.20 |
19.40 |
13.40 |
14.00 |
14.00 |
10.80 |
9.80 |
16.40 |
13.20 |
10.40 |
13.20 |
2.40 |
16.40 |
| Return on Assets % | 2.10 |
3.50 |
3.80 |
5.00 |
5.60 |
3.70 |
4.30 |
4.30 |
3.30 |
3.00 |
5.20 |
4.00 |
3.20 |
4.00 |
0.80 |
5.20 |
| Return on Capital - Joel Greenblatt % | 200 |
478 |
738 |
2,163 |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 0.33 |
0.28 |
0.20 |
0.18 |
0.24 |
0.30 |
0.25 |
0.26 |
0.23 |
0.23 |
0.22 |
0.23 |
0.23 |
0.22 |
0.23 |
0.22 |
| Operating Margin % | 8.20 |
15.70 |
17.40 |
25.20 |
-- |
18.20 |
22.80 |
22.40 |
16.20 |
14.70 |
26.00 |
19.90 |
15.40 |
21.60 |
1.90 |
26.00 |
| Net Margin % | 7.10 |
11.80 |
13.00 |
18.10 |
19.90 |
13.60 |
16.80 |
16.30 |
12.40 |
11.40 |
18.70 |
14.80 |
11.80 |
15.90 |
3.00 |
18.70 |
| Debt to Revenue | 0.25 |
0.21 |
0.18 |
0.18 |
0.25 |
0.30 |
0.31 |
0.30 |
0.26 |
0.26 |
1.02 |
1.05 |
1.04 |
1.06 |
1.05 |
1.02 |
| Asset Turnover | 0.30 |
0.30 |
0.29 |
0.28 |
0.28 |
0.27 |
0.26 |
0.27 |
0.27 |
0.26 |
0.07 |
0.07 |
0.07 |
0.07 |
0.07 |
0.07 |
| Buyback Ratio | -115 |
-16.70 |
-32.90 |
-18.20 |
-- |
-6.00 |
-1.60 |
-3.40 |
-4.80 |
-4.80 |
-5.20 |
-10.50 |
-1.70 |
-1.50 |
-5.90 |
-5.20 |
| Dividend Payout Ratio | 0.32 |
0.20 |
0.19 |
0.17 |
0.17 |
0.27 |
0.23 |
0.22 |
0.27 |
0.29 |
0.18 |
0.22 |
0.28 |
0.21 |
1.07 |
0.18 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Total Premiums Earned | 10,183 |
11,636 |
12,176 |
11,958 |
11,946 |
11,828 |
11,331 |
11,215 |
11,644 |
11,838 |
11,891 |
2,951 |
2,983 |
2,977 |
2,927 |
3,004 |
| Net Investment Income | 1,118 |
1,256 |
1,408 |
1,580 |
1,738 |
1,732 |
1,649 |
1,665 |
1,644 |
1,556 |
1,527 |
401 |
390 |
383 |
382 |
372 |
| Fees and Other Income | 93.20 |
286 |
499 |
465 |
423 |
-339 |
36.00 |
439 |
297 |
201 |
284 |
58.00 |
50.00 |
2.00 |
91.00 |
141 |
| Revenue | 11,394 |
13,177 |
14,082 |
14,003 |
14,107 |
13,221 |
13,016 |
13,319 |
13,585 |
13,595 |
13,702 |
3,410 |
3,423 |
3,362 |
3,400 |
3,517 |
| Selling, General, &Admin. Expense | -- |
-- |
-- |
-- |
-- |
316 |
333 |
325 |
326 |
308 |
310 |
79.00 |
75.00 |
74.00 |
80.00 |
81.00 |
| Policyholder Benefits & Claims | 13,734 |
14,642 |
15,627 |
13,148 |
12,598 |
6,898 |
6,268 |
6,499 |
7,407 |
7,507 |
7,368 |
1,707 |
1,860 |
1,597 |
2,343 |
1,568 |
| Policy Acquisition Expense | 2,536 |
2,843 |
2,930 |
2,919 |
3,092 |
-- |
3,642 |
-- |
63.00 |
2,411 |
587 |
-- |
-- |
-- |
-- |
587 |
| Earnings Before DDA | 1,042 |
2,174 |
2,538 |
3,606 |
69.00 |
2,677 |
3,217 |
3,051 |
2,257 |
2,050 |
2,295 |
729 |
580 |
784 |
-43.00 |
974 |
| Depreciation, Depletion and Amortization | 108 |
106 |
90.80 |
81.00 |
69.00 |
270 |
255 |
63.00 |
58.00 |
54.00 |
62.00 |
50.00 |
53.00 |
57.00 |
-106 |
58.00 |
| Operating Income | 934 |
2,068 |
2,447 |
3,525 |
-- |
2,407 |
2,962 |
2,988 |
2,199 |
1,996 |
2,233 |
679 |
527 |
727 |
63.00 |
916 |
| Net Income | 809 |
1,548 |
1,826 |
2,528 |
2,807 |
1,804 |
2,183 |
2,174 |
1,678 |
1,545 |
1,695 |
506 |
404 |
533 |
102 |
656 |
| Earnings per Share ($) | 2.23 |
4.01 |
4.47 |
5.98 |
7.01 |
4.92 |
6.18 |
6.76 |
5.76 |
5.69 |
6.32 |
1.83 |
1.48 |
1.98 |
0.38 |
2.48 |
| Total Shares Outstanding | 363 |
387 |
408 |
423 |
400 |
367 |
353 |
322 |
291 |
271 |
265 |
276 |
273 |
269 |
267 |
265 |
| 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 |
| Fixed Maturity Investment | 22,412 |
28,009 |
30,523 |
31,966 |
33,871 |
32,755 |
36,578 |
36,519 |
37,184 |
38,076 |
38,216 |
37,325 |
37,513 |
38,217 |
38,076 |
38,216 |
| Equity Investments | -- |
1,841 |
2,212 |
1,957 |
2,320 |
1,479 |
1,433 |
1,550 |
1,512 |
1,663 |
1,848 |
1,620 |
1,583 |
1,613 |
1,663 |
1,848 |
| Short-term investments | 2,696 |
1,308 |
1,899 |
2,254 |
1,839 |
2,478 |
1,918 |
1,905 |
1,893 |
2,528 |
1,860 |
1,772 |
2,012 |
2,284 |
2,528 |
1,860 |
| Cash and cash equivalents | 52.20 |
41.70 |
35.60 |
38.00 |
49.00 |
56.00 |
51.00 |
70.00 |
58.00 |
50.00 |
55.00 |
70.00 |
61.00 |
53.00 |
50.00 |
55.00 |
| Accounts Receivable | 5,615 |
5,820 |
6,088 |
4,908 |
4,534 |
2,201 |
2,101 |
2,098 |
2,161 |
2,185 |
2,181 |
2,124 |
2,279 |
2,079 |
2,185 |
2,181 |
| Deferred Policy Acquisition Costs | 1,343 |
1,435 |
1,445 |
1,480 |
1,556 |
1,532 |
1,533 |
1,562 |
1,630 |
1,206 |
1,241 |
1,222 |
1,227 |
1,218 |
1,206 |
1,241 |
| Property, Plant and Equipment | 519 |
474 |
367 |
201 |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Intangible Assets | 467 |
467 |
467 |
467 |
467 |
467 |
467 |
467 |
467 |
467 |
467 |
467 |
467 |
467 |
467 |
467 |
| Total Assets | 38,361 |
44,260 |
48,061 |
50,277 |
50,574 |
48,429 |
50,449 |
50,249 |
50,865 |
52,184 |
52,090 |
50,718 |
51,010 |
51,641 |
52,184 |
52,090 |
| Unpaid Loss & Loss Reserve | 17,948 |
20,292 |
22,482 |
22,293 |
22,623 |
22,367 |
22,839 |
22,718 |
23,068 |
23,963 |
23,604 |
23,077 |
23,199 |
23,240 |
23,963 |
23,604 |
| Unearned Premiums | 5,939 |
6,356 |
6,361 |
6,546 |
6,599 |
6,367 |
6,153 |
6,189 |
6,322 |
6,361 |
6,383 |
6,330 |
6,433 |
6,376 |
6,361 |
6,383 |
| Current Portion of Long-Term Debt | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other liabilities | -0.00 |
0.00 |
90.20 |
104 |
-- |
2,170 |
1,730 |
1,725 |
2,219 |
2,350 |
2,397 |
2,134 |
2,132 |
2,367 |
2,350 |
2,397 |
| Long-Term Debt | 2,814 |
2,814 |
2,467 |
2,466 |
3,460 |
3,975 |
3,975 |
3,975 |
3,575 |
3,575 |
3,575 |
3,575 |
3,575 |
3,575 |
3,575 |
3,575 |
| Total Liabilities | 29,839 |
34,134 |
35,654 |
36,414 |
36,129 |
34,997 |
34,815 |
34,719 |
35,291 |
36,357 |
36,074 |
35,228 |
35,449 |
35,667 |
36,357 |
36,074 |
| Common Stock | 196 |
196 |
210 |
411 |
375 |
372 |
372 |
372 |
372 |
372 |
372 |
372 |
372 |
372 |
372 |
372 |
| Retained Earnings | 6,869 |
8,119 |
9,600 |
11,711 |
13,280 |
14,509 |
16,235 |
17,943 |
19,176 |
20,009 |
20,550 |
19,297 |
19,591 |
20,015 |
20,009 |
20,550 |
| Additional Paid-In Capital | 1,319 |
1,319 |
2,364 |
1,539 |
346 |
253 |
224 |
208 |
190 |
178 |
105 |
124 |
143 |
162 |
178 |
105 |
| Treasury Stock | -529 |
-211 |
-135 |
-- |
-- |
-967 |
-1,917 |
-3,783 |
-5,359 |
-6,163 |
-6,413 |
-5,558 |
-5,854 |
-6,145 |
-6,163 |
-6,413 |
| Total Equity | 8,522 |
10,126 |
12,407 |
13,863 |
14,445 |
13,432 |
15,634 |
15,530 |
15,574 |
15,827 |
16,016 |
15,490 |
15,561 |
15,974 |
15,827 |
16,016 |
| 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 | 809 |
1,548 |
1,826 |
2,528 |
2,807 |
1,804 |
2,183 |
2,174 |
1,678 |
1,545 |
1,695 |
506 |
404 |
533 |
102 |
656 |
| Depreciation, Depletion and Amortization | 108 |
106 |
90.80 |
81.00 |
69.00 |
270 |
255 |
63.00 |
58.00 |
54.00 |
62.00 |
50.00 |
53.00 |
57.00 |
-106 |
58.00 |
| Cash Flow from Others | 2,447 |
2,435 |
1,839 |
733 |
315 |
470 |
-3.00 |
115 |
142 |
700 |
469 |
-184 |
57.00 |
364 |
463 |
-415 |
| Cash Flow from Operations | 3,364 |
4,089 |
3,756 |
3,342 |
3,191 |
2,544 |
2,435 |
2,352 |
1,878 |
2,299 |
2,226 |
372 |
514 |
954 |
459 |
299 |
| Investment for Property, Plant & Equipement | -74.30 |
-64.70 |
-40.50 |
-53.00 |
-53.00 |
-46.00 |
-52.00 |
-54.00 |
-52.00 |
-43.00 |
-48.00 |
-10.00 |
-11.00 |
-10.00 |
-12.00 |
-15.00 |
| Cash Flow from Investing | -5,233 |
-4,128 |
-3,851 |
-2,369 |
-1,649 |
-1,326 |
-874 |
46.00 |
580 |
-972 |
-900 |
21.00 |
-121 |
-573 |
-299 |
93.00 |
| Net Issuance of Stock | 931 |
258 |
465 |
-768 |
-2,185 |
-1,227 |
-1,026 |
-1,929 |
-1,627 |
-885 |
-888 |
-272 |
-286 |
-277 |
-50.00 |
-275 |
| Net Issuance of Debt | 860 |
-0.40 |
-301 |
-- |
200 |
515 |
-53.00 |
-- |
-400 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow for Dividends | -251 |
-291 |
-330 |
-403 |
-451 |
-471 |
-487 |
-472 |
-450 |
-438 |
-439 |
-107 |
-112 |
-110 |
-109 |
-108 |
| Other Financing | 341 |
62.10 |
255 |
200 |
905 |
-28.00 |
-- |
22.00 |
7.00 |
-12.00 |
-14.00 |
-2.00 |
-4.00 |
-2.00 |
-4.00 |
-4.00 |
| Cash Flow from Financing | 1,880 |
29.20 |
89.20 |
-971 |
-1,531 |
-1,211 |
-1,566 |
-2,379 |
-2,470 |
-1,335 |
-1,341 |
-381 |
-402 |
-389 |
-163 |
-387 |
| Net Change in Cash | 10.30 |
-10.50 |
-6.10 |
2.00 |
11.00 |
7.00 |
-5.00 |
19.00 |
-12.00 |
-8.00 |
-15.00 |
12.00 |
-9.00 |
-8.00 |
-3.00 |
5.00 |
| Free Cash Flow | 3,290 |
4,024 |
3,715 |
3,289 |
3,138 |
2,498 |
2,383 |
2,298 |
1,826 |
2,256 |
2,178 |
362 |
503 |
944 |
447 |
284 |
| 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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