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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 4 | -3.2 | 14.1 |
| EBITDA Growth (%) | -1.3 | 5.1 | 21.3 |
| Free Cash Flow Growth (%) | 3.4 | 15.6 | -20.1 |
| Book Value Growth (%) | 9.3 | 9.3 | 4.9 |
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 ($) | 1.89 |
2.19 |
2.33 |
2.39 |
2.29 |
2.74 |
3.26 |
2.98 |
2.56 |
2.63 |
2.92 |
0.64 |
0.93 |
0.60 |
0.80 |
0.59 |
| EBITDA per Share | 1.23 |
1.23 |
1.51 |
1.40 |
1.14 |
1.16 |
1.07 |
0.92 |
1.24 |
1.38 |
1.65 |
0.37 |
0.67 |
0.14 |
0.54 |
0.30 |
| Free Cashflow per Share | 0.86 |
0.89 |
1.04 |
0.84 |
0.85 |
0.95 |
0.66 |
0.91 |
1.22 |
1.44 |
1.19 |
0.32 |
0.46 |
0.29 |
0.37 |
0.07 |
| Earnings per Share ($) | 0.63 |
0.73 |
0.83 |
0.85 |
0.72 |
0.75 |
0.56 |
0.59 |
0.77 |
0.74 |
0.74 |
0.21 |
0.23 |
0.09 |
0.21 |
0.21 |
| Dividends Per Share | 0.26 |
0.28 |
0.24 |
0.33 |
0.43 |
0.34 |
0.34 |
0.34 |
0.34 |
0.34 |
0.34 |
0.09 |
0.09 |
0.09 |
0.09 |
0.09 |
| Book Value per Share | 3.41 |
3.76 |
4.02 |
4.60 |
5.05 |
7.40 |
6.86 |
6.07 |
6.79 |
7.29 |
7.33 |
6.99 |
7.15 |
7.20 |
7.29 |
7.33 |
| Month End Stock Price | 11.75 |
15.45 |
14.77 |
13.15 |
10.34 |
11.90 |
8.64 |
8.67 |
10.03 |
10.40 |
11.27 |
11.74 |
11.65 |
11.94 |
10.40 |
11.27 |
| 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 % | 18.40 |
19.40 |
20.60 |
18.50 |
14.30 |
10.30 |
10.30 |
9.80 |
11.40 |
10.10 |
11.20 |
12.40 |
12.80 |
4.80 |
11.60 |
11.20 |
| Return on Assets % | 1.40 |
1.40 |
1.30 |
1.20 |
1.00 |
0.90 |
1.00 |
1.00 |
1.30 |
1.20 |
1.20 |
1.20 |
1.60 |
0.40 |
1.20 |
1.20 |
| Return on Capital - Joel Greenblatt % | 25.10 |
29.30 |
12.90 |
13.90 |
8.30 |
5.10 |
12.90 |
61.20 |
152 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 3.04 |
4.02 |
4.62 |
4.89 |
4.40 |
3.02 |
1.36 |
1.90 |
1.42 |
0.38 |
0.06 |
0.76 |
1.32 |
0.62 |
0.38 |
0.06 |
| Operating Margin % | 51.20 |
48.20 |
53.90 |
51.20 |
43.20 |
37.60 |
29.40 |
27.40 |
44.90 |
49.70 |
49.80 |
54.80 |
70.10 |
19.80 |
65.20 |
49.80 |
| Net Margin % | 33.20 |
33.20 |
35.60 |
35.50 |
31.50 |
27.60 |
21.60 |
19.90 |
30.40 |
28.10 |
35.20 |
33.30 |
24.40 |
14.80 |
26.60 |
35.20 |
| Debt to Revenue | 5.48 |
6.88 |
7.98 |
9.40 |
9.71 |
8.15 |
2.87 |
3.87 |
3.77 |
1.06 |
0.76 |
8.34 |
10.18 |
7.45 |
3.51 |
0.76 |
| Interest Exp. to Revenue % | 81.17 |
81.55 |
86.15 |
83.57 |
83.72 |
84.90 |
73.27 |
81.95 |
87.28 |
86.24 |
89.00 |
87.73 |
65.04 |
95.79 |
66.81 |
89.00 |
| Asset Turnover | 0.04 |
0.04 |
0.04 |
0.03 |
0.03 |
0.03 |
0.05 |
0.05 |
0.04 |
0.04 |
0.01 |
0.01 |
0.02 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
-193 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Dividend Payout Ratio | 0.41 |
0.38 |
0.29 |
0.39 |
0.59 |
0.45 |
0.48 |
0.57 |
0.44 |
0.46 |
0.41 |
0.40 |
0.38 |
0.96 |
0.40 |
0.41 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 129 |
151 |
171 |
169 |
161 |
194 |
222 |
259 |
235 |
237 |
255 |
58.60 |
85.18 |
59.74 |
55.64 |
54.59 |
| Non Interest Income | 29.99 |
34.21 |
27.51 |
33.26 |
31.33 |
34.46 |
81.07 |
57.11 |
34.22 |
37.82 |
48.64 |
8.20 |
11.63 |
2.63 |
27.65 |
6.75 |
| Revenue | 159 |
185 |
199 |
202 |
192 |
228 |
303 |
316 |
269 |
275 |
304 |
66.80 |
96.81 |
62.37 |
83.29 |
61.33 |
| Selling, General, &Admin. Expense | 46.02 |
52.44 |
58.91 |
56.76 |
61.26 |
75.07 |
76.34 |
85.50 |
78.64 |
98.01 |
98.84 |
18.88 |
18.95 |
40.11 |
20.08 |
19.71 |
| Credit Losses Provision | -- |
-- |
-- |
3.00 |
4.00 |
26.60 |
80.50 |
61.20 |
7.07 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other Expenses | 9.75 |
29.28 |
11.05 |
23.97 |
30.91 |
29.91 |
47.36 |
72.45 |
52.74 |
32.62 |
33.70 |
9.17 |
8.19 |
8.11 |
7.15 |
10.26 |
| Earnings Before DDA | 104 |
104 |
129 |
119 |
96.30 |
96.57 |
99.13 |
97.29 |
130 |
144 |
171 |
38.75 |
69.67 |
14.16 |
56.07 |
31.37 |
| Depreciation, Depletion and Amortization | 22.02 |
14.30 |
21.63 |
15.10 |
13.24 |
10.82 |
9.88 |
10.55 |
9.65 |
7.53 |
6.21 |
2.16 |
1.81 |
1.81 |
1.76 |
0.83 |
| Operating Income | 81.49 |
89.37 |
107 |
104 |
83.06 |
85.75 |
89.25 |
86.74 |
121 |
137 |
165 |
36.59 |
67.86 |
12.35 |
54.31 |
30.54 |
| Net Income | 52.83 |
61.49 |
70.62 |
71.91 |
60.58 |
63.07 |
65.42 |
62.94 |
81.73 |
77.28 |
76.63 |
22.27 |
23.62 |
9.26 |
22.14 |
21.62 |
| Preferred dividends | -- |
-- |
-- |
-- |
-- |
-- |
12.94 |
0.22 |
-- |
-- |
-- | 0.07 |
-- |
-- |
-- |
-- |
| Earnings per Share ($) | 0.63 |
0.73 |
0.83 |
0.85 |
0.72 |
0.75 |
0.56 |
0.59 |
0.77 |
0.74 |
0.74 |
0.21 |
0.23 |
0.09 |
0.21 |
0.21 |
| Total Shares Outstanding | 84.08 |
84.54 |
85.36 |
84.60 |
84.14 |
83.12 |
93.06 |
106 |
105 |
105 |
105 |
105 |
105 |
105 |
105 |
105 |
| 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 |
| Cash and cash equivalents | 112 |
84.40 |
132 |
146 |
89.96 |
95.58 |
104 |
454 |
405 |
168 |
205 |
336 |
537 |
318 |
168 |
205 |
| Money Market Investments | 37.97 |
53.57 |
70.77 |
78.87 |
79.98 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Loan | 1,739 |
2,118 |
2,641 |
3,042 |
3,462 |
3,683 |
3,972 |
3,645 |
3,389 |
3,355 |
3,097 |
3,340 |
3,296 |
3,344 |
3,355 |
3,097 |
| Securities & Investments | 1,866 |
2,085 |
2,370 |
2,583 |
2,391 |
2,500 |
2,112 |
1,795 |
2,204 |
2,451 |
2,393 |
2,375 |
2,262 |
2,260 |
2,451 |
2,393 |
| Accounts Receivable | 15.72 |
18.39 |
24.15 |
30.23 |
29.73 |
28.52 |
28.67 |
23.65 |
23.51 |
22.36 |
202 |
23.38 |
22.39 |
22.89 |
22.36 |
202 |
| Property, Plant and Equipment | 31.07 |
33.51 |
40.02 |
44.96 |
46.86 |
44.42 |
41.44 |
40.92 |
36.28 |
35.08 |
34.89 |
35.62 |
36.46 |
35.58 |
35.08 |
34.89 |
| Intangible Assets | 26.90 |
25.72 |
44.83 |
41.65 |
69.78 |
66.12 |
67.86 |
64.13 |
60.65 |
58.49 |
58.05 |
59.83 |
59.38 |
58.93 |
58.49 |
58.05 |
| Other Assets | 26.24 |
92.84 |
101 |
127 |
125 |
232 |
413 |
413 |
365 |
272 |
276 |
335 |
311 |
282 |
272 |
276 |
| Total Assets | 3,854 |
4,511 |
5,423 |
6,094 |
6,294 |
6,650 |
6,740 |
6,437 |
6,483 |
6,363 |
6,266 |
6,506 |
6,524 |
6,321 |
6,363 |
6,266 |
| Total Deposits | 2,661 |
2,875 |
3,424 |
3,407 |
3,364 |
3,508 |
4,439 |
4,519 |
4,605 |
4,774 |
4,686 |
4,680 |
4,699 |
4,781 |
4,774 |
4,686 |
| Accounts Payable | 5.26 |
8.81 |
15.05 |
16.16 |
13.31 |
9.74 |
6.48 |
4.99 |
3.53 |
1.49 |
1.31 |
3.42 |
3.36 |
1.57 |
1.49 |
1.31 |
| Current Portion of Long-Term Debt | 406 |
356 |
922 |
845 |
1,049 |
1,743 |
756 |
555 |
449 |
-- |
-- | -- |
449 |
199 |
-- |
-- |
| Long-Term Debt | 467 |
919 |
662 |
1,058 |
820 |
115 |
115 |
670 |
564 |
292 |
46.39 |
557 |
536 |
266 |
292 |
46.39 |
| Other liabilities | 29.05 |
34.75 |
56.09 |
379 |
623 |
659 |
786 |
43.35 |
148 |
533 |
764 |
536 |
88.28 |
320 |
533 |
764 |
| Total Liabilities | 3,568 |
4,194 |
5,080 |
5,705 |
5,869 |
6,035 |
6,102 |
5,793 |
5,768 |
5,600 |
5,498 |
5,776 |
5,776 |
5,567 |
5,600 |
5,498 |
| Common Stock | 233 |
236 |
253 |
-- |
-- |
-- |
-- |
-- |
-- |
485 |
485 |
482 |
483 |
484 |
485 |
485 |
| Preferred Stock | -- |
-- |
-- |
-- |
-- |
122 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Retained Earnings | 36.48 |
72.31 |
104 |
36.48 |
66.57 |
100 |
121 |
147 |
193 |
235 |
248 |
207 |
221 |
222 |
235 |
248 |
| Additional Paid-In Capital | -- |
-- |
-- |
366 |
354 |
364 |
491 |
490 |
480 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Total Equity | 287 |
317 |
343 |
389 |
425 |
615 |
638 |
644 |
715 |
763 |
768 |
730 |
748 |
754 |
763 |
768 |
| 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 | 52.83 |
61.49 |
70.62 |
71.91 |
60.58 |
63.07 |
65.42 |
62.94 |
81.73 |
77.28 |
76.63 |
22.27 |
23.62 |
9.26 |
22.14 |
21.62 |
| Depreciation, Depletion and Amortization | 22.02 |
14.30 |
21.63 |
15.10 |
13.24 |
10.82 |
9.88 |
10.55 |
9.65 |
7.53 |
6.21 |
2.16 |
1.81 |
1.81 |
1.76 |
0.83 |
| Cash Flow from Others | -2.91 |
-0.14 |
-3.16 |
-16.12 |
-2.71 |
9.75 |
-9.27 |
29.38 |
38.64 |
69.95 |
45.71 |
10.12 |
24.49 |
19.72 |
15.62 |
-14.12 |
| Cash Flow from Operations | 71.94 |
75.65 |
89.08 |
70.89 |
71.12 |
83.64 |
66.03 |
103 |
130 |
155 |
129 |
34.55 |
49.92 |
30.78 |
39.51 |
8.33 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-5.05 |
-4.16 |
-6.71 |
-1.68 |
-4.27 |
-4.62 |
-0.71 |
-2.20 |
-0.47 |
-0.89 |
-1.06 |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-- |
0.74 |
-110 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | -769 |
-695 |
-761 |
-681 |
-21.13 |
-334 |
562 |
550 |
-86.66 |
-221 |
48.02 |
-133 |
170 |
-43.36 |
-215 |
136 |
| Net Issuance of Stock | -6.06 |
-0.71 |
-10.50 |
0.98 |
-31.84 |
-0.65 |
126 |
-5.17 |
-12.53 |
-0.05 |
-0.08 |
-- |
-- |
-- |
-0.05 |
-0.02 |
| Net Issuance of Preferred Stock | -- |
-- |
-- |
-- |
-- |
130 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Issuance of Debt | 388 |
402 |
310 |
670 |
-53.11 |
-11.01 |
-1,078 |
-201 |
-107 |
-272 |
-319 |
-- |
-- |
-250 |
-22.04 |
-46.62 |
| Cash Flow for Dividends | -21.64 |
-23.82 |
-27.96 |
-27.88 |
-28.48 |
-28.32 |
-36.50 |
-36.10 |
-35.81 |
-44.55 |
-35.65 |
-8.90 |
-8.91 |
-8.91 |
-17.83 |
-- |
| Other Financing | 269 |
215 |
447 |
-16.91 |
6.51 |
166 |
368 |
-110 |
52.96 |
136 |
36.79 |
38.42 |
-10.86 |
42.97 |
65.53 |
-60.86 |
| Cash Flow from Financing | 630 |
592 |
718 |
626 |
-107 |
256 |
-621 |
-352 |
-102 |
-181 |
-318 |
29.51 |
-19.77 |
-216 |
25.61 |
-107 |
| Net Change in Cash | -66.98 |
-27.61 |
45.74 |
16.27 |
-56.93 |
5.81 |
7.96 |
301 |
-58.93 |
-247 |
-141 |
-69.03 |
200 |
-229 |
-150 |
36.85 |
| Free Cash Flow | 71.94 |
75.65 |
89.08 |
70.89 |
71.12 |
78.58 |
61.87 |
96.15 |
128 |
150 |
124 |
33.84 |
47.72 |
30.31 |
38.62 |
7.27 |
| 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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