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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 10 | 10 | 27.5 |
| EBITDA Growth (%) | 10.4 | 37.3 | 9.3 |
| Free Cash Flow Growth (%) | 6.6 | 16 | -90 |
| Book Value Growth (%) | 13.2 | 26.7 | 13.4 |
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 ($) | 44.58 |
43.94 |
42.85 |
49.09 |
61.17 |
69.50 |
66.87 |
77.20 |
80.21 |
102 |
107 |
23.80 |
26.10 |
25.38 |
26.51 |
28.83 |
| EBITDA per Share | 2.72 |
6.30 |
5.17 |
5.75 |
6.33 |
2.26 |
7.87 |
7.85 |
8.43 |
10.66 |
9.03 |
2.38 |
2.56 |
2.95 |
2.73 |
0.79 |
| Free Cashflow per Share | 4.71 |
3.38 |
1.69 |
1.50 |
3.75 |
5.09 |
1.59 |
5.24 |
3.90 |
6.82 |
0.70 |
3.02 |
2.83 |
-1.52 |
2.52 |
-3.13 |
| Earnings per Share ($) | 1.58 |
3.48 |
4.17 |
3.43 |
3.87 |
1.05 |
4.73 |
4.89 |
4.84 |
5.61 |
4.55 |
1.28 |
1.31 |
1.61 |
1.43 |
0.20 |
| Dividends Per Share | 0.44 |
0.14 |
0.03 |
0.03 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
-- |
-- |
-- |
0.04 |
| Book Value per Share | 10.71 |
12.58 |
13.77 |
12.85 |
16.48 |
13.07 |
19.67 |
24.14 |
30.42 |
34.30 |
34.04 |
30.02 |
31.58 |
32.88 |
34.45 |
34.04 |
| Month End Stock Price | 19.17 |
27.19 |
37.23 |
43.86 |
53.73 |
16.85 |
35.27 |
36.66 |
42.00 |
53.46 |
62.37 |
49.25 |
44.00 |
47.17 |
53.46 |
62.37 |
| 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 % | 14.80 |
27.60 |
30.30 |
26.70 |
23.50 |
8.10 |
24.00 |
20.20 |
15.90 |
16.60 |
2.40 |
17.20 |
16.80 |
19.60 |
16.80 |
2.40 |
| Return on Assets % | 0.70 |
1.80 |
3.60 |
2.70 |
2.80 |
0.70 |
3.00 |
2.90 |
2.60 |
3.00 |
0.40 |
2.80 |
2.80 |
3.60 |
3.20 |
0.40 |
| Return on Capital - Joel Greenblatt % | -- |
-- |
-- |
-- |
-- |
-- |
4,519 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 0.33 |
0.28 |
0.27 |
0.39 |
0.38 |
0.67 |
0.47 |
0.43 |
0.61 |
0.53 |
0.56 |
0.61 |
0.58 |
0.55 |
0.53 |
0.56 |
| Gross Margin % | -- |
-- |
-- |
-- |
94.90 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Operating Margin % | 4.80 |
13.10 |
10.70 |
10.50 |
9.30 |
2.00 |
10.30 |
8.80 |
8.90 |
8.50 |
0.90 |
8.10 |
7.90 |
9.80 |
8.20 |
0.90 |
| Net Margin % | 3.60 |
7.90 |
9.70 |
7.00 |
6.30 |
1.50 |
7.10 |
6.30 |
6.00 |
5.60 |
0.70 |
5.50 |
5.10 |
6.30 |
5.40 |
0.70 |
| Debt to Revenue | 0.08 |
0.08 |
0.09 |
0.10 |
0.10 |
0.13 |
0.14 |
0.13 |
0.23 |
0.18 |
0.66 |
0.77 |
0.70 |
0.71 |
0.69 |
0.66 |
| Interest Exp. to Revenue % | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-0.86 |
-0.92 |
-0.92 |
-0.82 |
-0.97 |
-0.90 |
-0.92 |
-0.89 |
-0.82 |
| Asset Turnover | 0.21 |
0.22 |
0.37 |
0.39 |
0.44 |
0.46 |
0.43 |
0.47 |
0.43 |
0.54 |
0.15 |
0.13 |
0.14 |
0.14 |
0.14 |
0.15 |
| Buyback Ratio | -1.00 |
-4.10 |
-21.30 |
-21.70 |
-22.20 |
-12.70 |
-2.30 |
-4.70 |
-55.30 |
-7.50 |
-61.00 |
-12.10 |
-1.80 |
-1.30 |
-15.50 |
-61.00 |
| Dividend Payout Ratio | 0.28 |
0.04 |
0.01 |
0.01 |
0.01 |
0.04 |
0.01 |
0.01 |
0.01 |
0.01 |
0.20 |
0.03 |
-- |
-- |
-- |
0.20 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Total Premiums Earned | 15,441 |
14,236 |
13,695 |
13,641 |
15,008 |
16,203 |
16,041 |
18,393 |
19,089 |
26,187 |
27,360 |
6,141 |
6,686 |
6,637 |
6,723 |
7,314 |
| Net Investment Income | -- |
-- |
-- |
-- |
-- |
1,063 |
1,014 |
1,105 |
1,146 |
1,144 |
1,143 |
288 |
283 |
283 |
290 |
287 |
| Fees and Other Income | 3,367 |
3,940 |
2,989 |
2,906 |
2,615 |
1,835 |
1,359 |
1,755 |
1,763 |
1,788 |
2,011 |
359 |
488 |
438 |
503 |
582 |
| Revenue | 18,808 |
18,176 |
16,684 |
16,547 |
17,623 |
19,101 |
18,414 |
21,253 |
21,998 |
29,119 |
30,514 |
6,788 |
7,457 |
7,358 |
7,516 |
8,183 |
| Selling, General, &Admin. Expense | -- |
-- |
-- |
-- |
-- |
5,535 |
5,450 |
5,744 |
5,901 |
7,187 |
3,646 |
-- |
-- |
1,829 |
1,817 |
-- |
| Policyholder Benefits & Claims | 24,440 |
16,880 |
15,951 |
12,222 |
13,596 |
11,537 |
10,334 |
12,233 |
13,693 |
19,228 |
21,019 |
4,462 |
4,949 |
4,796 |
5,021 |
6,253 |
| Earnings Before DDA | 1,149 |
2,605 |
2,014 |
1,939 |
1,825 |
622 |
2,166 |
2,162 |
2,313 |
3,037 |
2,583 |
678 |
732 |
854 |
773 |
224 |
| Depreciation, Depletion and Amortization | 246 |
230 |
221 |
208 |
194 |
244 |
268 |
292 |
345 |
560 |
584 |
126 |
144 |
136 |
154 |
150 |
| Operating Income | 903 |
2,375 |
1,793 |
1,731 |
1,631 |
378 |
1,898 |
1,870 |
1,968 |
2,477 |
1,999 |
552 |
588 |
718 |
619 |
74.00 |
| Net Income | 668 |
1,438 |
1,625 |
1,155 |
1,115 |
292 |
1,302 |
1,345 |
1,327 |
1,623 |
1,309 |
371 |
380 |
466 |
406 |
57.00 |
| Earnings per Share ($) | 1.58 |
3.48 |
4.17 |
3.43 |
3.87 |
1.05 |
4.73 |
4.89 |
4.84 |
5.61 |
4.55 |
1.28 |
1.31 |
1.61 |
1.43 |
0.20 |
| Total Shares Outstanding | 422 |
414 |
389 |
337 |
288 |
275 |
275 |
275 |
274 |
285 |
284 |
285 |
286 |
290 |
284 |
284 |
| 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 | -- |
-- |
-- |
-- |
-- |
11,781 |
13,443 |
14,709 |
16,217 |
17,705 |
16,600 |
17,049 |
17,327 |
17,868 |
17,705 |
16,600 |
| Equity Investments | -- |
-- |
-- |
-- |
-- |
112 |
113 |
127 |
100.00 |
111 |
131 |
107 |
102 |
109 |
111 |
131 |
| Short-term investments | 29,431 |
16,718 |
16,025 |
12,793 |
12,754 |
236 |
493 |
174 |
225 |
154 |
122 |
187 |
215 |
151 |
154 |
122 |
| Net Loan | 10,227 |
5,123 |
5,271 |
5,393 |
4,727 |
5,173 |
5,071 |
5,067 |
4,803 |
4,352 |
4,315 |
4,747 |
4,516 |
4,465 |
4,352 |
4,315 |
| Cash and cash equivalents | 1,392 |
2,519 |
1,709 |
1,392 |
1,970 |
1,342 |
924 |
1,605 |
4,690 |
2,978 |
3,306 |
2,111 |
3,045 |
2,236 |
2,978 |
3,306 |
| Accounts Receivable | 9,421 |
16,223 |
8,616 |
9,504 |
8,736 |
1,407 |
1,361 |
1,318 |
1,358 |
1,777 |
1,943 |
1,897 |
1,773 |
1,714 |
1,777 |
1,943 |
| Deferred Policy Acquisition Costs | 580 |
544 |
618 |
707 |
816 |
789 |
943 |
1,122 |
1,312 |
1,198 |
1,221 |
884 |
900 |
1,022 |
1,198 |
1,221 |
| Property, Plant and Equipment | 973 |
777 |
638 |
632 |
625 |
804 |
862 |
912 |
1,024 |
1,120 |
1,109 |
1,083 |
1,115 |
1,136 |
1,120 |
1,109 |
| Intangible Assets | 1,620 |
1,620 |
1,622 |
1,736 |
1,783 |
4,398 |
2,876 |
4,357 |
4,940 |
8,356 |
8,836 |
8,054 |
8,182 |
8,107 |
8,356 |
8,836 |
| Total Assets | 90,953 |
81,059 |
44,863 |
42,399 |
40,065 |
41,406 |
43,013 |
45,682 |
51,047 |
53,734 |
54,939 |
52,785 |
53,553 |
53,531 |
53,734 |
54,939 |
| Unpaid Loss & Loss Reserve | 43,558 |
32,515 |
24,263 |
23,306 |
22,339 |
4,037 |
3,968 |
4,017 |
4,146 |
4,062 |
4,218 |
4,176 |
4,153 |
4,253 |
4,062 |
4,218 |
| Unearned Premiums | 326 |
343 |
515 |
499 |
496 |
414 |
427 |
416 |
502 |
549 |
577 |
1,050 |
1,052 |
474 |
549 |
577 |
| Future Policy Benefits | 11,545 |
8,428 |
8,626 |
8,373 |
8,147 |
8,754 |
8,136 |
8,147 |
8,593 |
9,265 |
9,538 |
8,404 |
8,645 |
9,209 |
9,265 |
9,538 |
| Policyholder Funds | 26,979 |
17,839 |
9,676 |
9,164 |
8,594 |
9,463 |
9,405 |
9,755 |
9,648 |
8,508 |
8,512 |
10,264 |
10,275 |
10,118 |
8,508 |
8,512 |
| Current Portion of Long-Term Debt | -- |
-- |
100.00 |
382 |
3.00 |
301 |
104 |
552 |
104 |
201 |
400 |
227 |
226 |
226 |
201 |
400 |
| Other liabilities | -3,457 |
8,934 |
-10,142 |
-9,384 |
-10,179 |
5,880 |
7,323 |
7,926 |
8,093 |
7,871 |
8,063 |
8,481 |
8,354 |
8,362 |
7,871 |
8,063 |
| Long-Term Debt | 1,500 |
1,438 |
1,338 |
1,294 |
1,790 |
2,090 |
2,436 |
2,288 |
4,990 |
4,986 |
4,995 |
4,990 |
4,985 |
4,986 |
4,986 |
4,995 |
| Total Liabilities | 86,434 |
75,856 |
39,503 |
38,069 |
35,317 |
37,814 |
37,596 |
39,037 |
42,703 |
43,965 |
45,279 |
44,224 |
44,531 |
44,001 |
43,965 |
45,279 |
| Common Stock | 69.00 |
40.00 |
40.00 |
40.00 |
88.00 |
88.00 |
88.00 |
88.00 |
92.00 |
92.00 |
92.00 |
92.00 |
92.00 |
92.00 |
92.00 |
92.00 |
| Retained Earnings | 9,782 |
3,679 |
5,162 |
6,177 |
7,113 |
7,374 |
8,625 |
9,879 |
11,143 |
12,330 |
12,328 |
11,123 |
11,501 |
11,962 |
12,330 |
12,328 |
| Additional Paid-In Capital | 3,279 |
2,360 |
2,385 |
2,451 |
2,474 |
2,502 |
2,514 |
2,534 |
3,188 |
3,295 |
3,305 |
3,268 |
3,276 |
3,282 |
3,295 |
3,305 |
| Treasury Stock | -8,557 |
-540 |
-1,718 |
-4,169 |
-4,978 |
-5,298 |
-5,192 |
-5,242 |
-5,286 |
-5,277 |
-5,309 |
-5,200 |
-5,176 |
-5,253 |
-5,277 |
-5,309 |
| Total Equity | 4,519 |
5,203 |
5,360 |
4,330 |
4,748 |
3,592 |
5,417 |
6,645 |
8,344 |
9,769 |
9,660 |
8,561 |
9,022 |
9,530 |
9,769 |
9,660 |
| 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 | 620 |
1,577 |
1,625 |
1,155 |
1,115 |
292 |
1,305 |
1,349 |
1,328 |
1,624 |
1,312 |
371 |
380 |
466 |
407 |
59.00 |
| Depreciation, Depletion and Amortization | 246 |
230 |
221 |
208 |
194 |
244 |
268 |
292 |
345 |
560 |
584 |
126 |
144 |
136 |
154 |
150 |
| Cash Flow from Others | 1,442 |
-371 |
-1,128 |
-721 |
33.00 |
1,120 |
-828 |
102 |
-182 |
166 |
-1,292 |
444 |
412 |
-922 |
232 |
-1,014 |
| Cash Flow from Operations | 2,308 |
1,436 |
718 |
642 |
1,342 |
1,656 |
745 |
1,743 |
1,491 |
2,350 |
604 |
941 |
936 |
-320 |
793 |
-805 |
| Investment for Property, Plant & Equipement | -321 |
-38.00 |
-61.00 |
-136 |
-262 |
-257 |
-307 |
-300 |
-422 |
-408 |
-411 |
-81.00 |
-127 |
-121 |
-79.00 |
-84.00 |
| Cash Flow from Acquisitions | 231 |
2,121 |
-- |
-- |
-42.00 |
-1,327 |
-277 |
-344 |
-102 |
-3,581 |
-422 |
-3,199 |
2.00 |
-271 |
-113 |
-40.00 |
| Cash Flow from Investing | -796 |
1,218 |
258 |
1,548 |
269 |
-2,572 |
-1,485 |
-1,342 |
-1,270 |
-3,857 |
524 |
-3,419 |
-4.00 |
-441 |
7.00 |
962 |
| Net Issuance of Stock | 6.00 |
-612 |
-1,272 |
-2,514 |
-937 |
-341 |
30.00 |
-137 |
509 |
-87.00 |
-173 |
45.00 |
7.00 |
-79.00 |
-60.00 |
-41.00 |
| Net Issuance of Debt | -- |
-- |
-- |
-- |
-- |
595 |
146 |
273 |
2,225 |
-228 |
173 |
-203 |
-1.00 |
1.00 |
-25.00 |
198 |
| Cash Flow for Dividends | -185 |
-100.00 |
-13.00 |
-12.00 |
-11.00 |
-14.00 |
-11.00 |
-11.00 |
-11.00 |
-11.00 |
-11.00 |
-- |
-11.00 |
-- |
-- |
-- |
| Other Financing | -1,516 |
-815 |
-500 |
13.00 |
-93.00 |
74.00 |
142 |
149 |
144 |
98.00 |
74.00 |
52.00 |
19.00 |
20.00 |
7.00 |
28.00 |
| Cash Flow from Financing | -1,695 |
-1,527 |
-1,785 |
-2,513 |
-1,041 |
314 |
307 |
274 |
2,867 |
-228 |
63.00 |
-106 |
14.00 |
-58.00 |
-78.00 |
185 |
| Net Change in Cash | -183 |
1,127 |
-810 |
-317 |
578 |
-628 |
-418 |
681 |
3,085 |
-1,712 |
1,195 |
-2,579 |
934 |
-809 |
742 |
328 |
| Free Cash Flow | 1,987 |
1,398 |
657 |
506 |
1,080 |
1,399 |
438 |
1,443 |
1,069 |
1,942 |
193 |
860 |
809 |
-441 |
714 |
-889 |
| 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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