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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | -0 | 9 | -11.4 |
| EBITDA Growth (%) | 0 | 0 | 57.5 |
| Free Cash Flow Growth (%) | 1.9 | 37.8 | -18.8 |
| Book Value Growth (%) | -0.6 | -0.6 | 6 |
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 ($) | 6.22 |
6.86 |
7.08 |
7.36 |
6.52 |
6.87 |
3.41 |
7.66 |
7.39 |
7.17 |
6.77 |
2.05 |
1.74 |
1.70 |
1.69 |
1.64 |
| EBITDA per Share | 2.31 |
2.63 |
2.51 |
2.43 |
2.37 |
0.98 |
-2.09 |
-2.60 |
0.65 |
1.07 |
1.15 |
0.24 |
0.27 |
0.27 |
0.29 |
0.32 |
| Free Cashflow per Share | 0.79 |
2.18 |
2.00 |
1.92 |
2.47 |
1.40 |
0.24 |
2.03 |
2.40 |
2.20 |
2.12 |
0.63 |
0.61 |
0.75 |
0.22 |
0.54 |
| Earnings per Share ($) | 1.46 |
1.48 |
1.37 |
1.45 |
1.45 |
0.52 |
-1.73 |
-2.05 |
0.05 |
0.32 |
0.37 |
0.07 |
0.08 |
0.08 |
0.09 |
0.12 |
| Dividends Per Share | 0.57 |
0.60 |
0.60 |
0.63 |
0.64 |
0.64 |
0.31 |
0.12 |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Book Value per Share | 11.66 |
12.22 |
12.60 |
17.59 |
15.04 |
13.25 |
13.72 |
11.28 |
11.84 |
12.51 |
12.57 |
11.86 |
12.08 |
12.16 |
12.47 |
12.57 |
| Month End Stock Price | 29.06 |
26.02 |
21.30 |
22.56 |
16.95 |
8.81 |
7.10 |
3.83 |
2.01 |
5.40 |
5.66 |
3.57 |
3.72 |
4.75 |
5.40 |
5.66 |
| 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 % | 12.50 |
12.10 |
10.90 |
8.20 |
9.60 |
3.90 |
-8.40 |
-11.80 |
1.90 |
3.50 |
4.40 |
3.60 |
3.60 |
3.60 |
3.60 |
4.40 |
| Return on Assets % | 1.00 |
1.00 |
0.90 |
0.90 |
0.90 |
0.30 |
-0.80 |
-1.00 |
0.20 |
0.30 |
0.40 |
0.40 |
0.40 |
0.40 |
0.40 |
0.40 |
| Return on Capital - Joel Greenblatt % | -- |
-- |
-- |
351 |
5,015 |
47.10 |
-- |
-72.60 |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 0.61 |
0.17 |
0.17 |
1.15 |
1.51 |
1.86 |
1.17 |
1.56 |
1.24 |
1.18 |
1.27 |
1.23 |
1.21 |
1.20 |
1.18 |
1.27 |
| Operating Margin % | 32.00 |
29.40 |
26.80 |
27.70 |
31.10 |
8.80 |
-72.60 |
-38.70 |
3.50 |
10.10 |
14.30 |
7.30 |
10.40 |
11.00 |
12.40 |
14.30 |
| Net Margin % | 23.50 |
21.60 |
19.40 |
19.70 |
22.20 |
7.60 |
-43.60 |
-23.50 |
4.00 |
8.00 |
10.80 |
6.60 |
8.10 |
8.40 |
9.00 |
10.80 |
| Debt to Revenue | 1.14 |
0.31 |
0.30 |
2.74 |
3.49 |
3.58 |
6.10 |
3.11 |
2.65 |
2.71 |
12.80 |
9.51 |
11.22 |
11.42 |
11.43 |
12.80 |
| Interest Exp. to Revenue % | 86.92 |
86.34 |
86.40 |
85.94 |
84.47 |
80.48 |
162 |
78.17 |
78.57 |
77.19 |
80.49 |
68.38 |
79.17 |
81.69 |
81.27 |
80.49 |
| Asset Turnover | 0.05 |
0.05 |
0.05 |
0.04 |
0.04 |
0.04 |
0.02 |
0.04 |
0.04 |
0.04 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
3.20 |
1.50 |
-4.50 |
-1.10 |
-- | -2.30 |
-2.10 |
-- |
-- |
-- |
| Dividend Payout Ratio | 0.39 |
0.41 |
0.44 |
0.43 |
0.44 |
1.23 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 26.21 |
28.97 |
30.03 |
31.57 |
33.24 |
32.58 |
32.68 |
35.79 |
34.89 |
33.50 |
33.09 |
8.45 |
8.29 |
8.41 |
8.36 |
8.04 |
| Non Interest Income | 3.94 |
4.58 |
4.73 |
5.17 |
6.11 |
7.90 |
-12.49 |
9.99 |
9.52 |
9.90 |
7.94 |
3.91 |
2.18 |
1.88 |
1.93 |
1.95 |
| Revenue | 30.15 |
33.56 |
34.76 |
36.74 |
39.35 |
40.48 |
20.19 |
45.78 |
44.41 |
43.40 |
41.03 |
12.36 |
10.47 |
10.29 |
10.28 |
9.99 |
| Selling, General, &Admin. Expense | 10.68 |
13.02 |
14.10 |
15.64 |
14.55 |
15.65 |
17.06 |
21.16 |
19.57 |
20.60 |
20.79 |
5.04 |
4.85 |
4.88 |
5.83 |
5.23 |
| Credit Losses Provision | 1.64 |
1.28 |
0.55 |
0.73 |
1.24 |
4.03 |
4.20 |
28.93 |
8.80 |
5.66 |
3.36 |
2.90 |
1.26 |
0.63 |
0.88 |
0.60 |
| Other Expenses | 6.62 |
6.41 |
7.81 |
8.26 |
9.28 |
15.01 |
11.30 |
11.20 |
12.14 |
10.65 |
9.91 |
2.97 |
2.75 |
3.14 |
1.79 |
2.22 |
| Earnings Before DDA | 11.21 |
12.85 |
12.30 |
12.11 |
14.28 |
5.79 |
-12.37 |
-15.52 |
3.89 |
6.49 |
6.98 |
1.45 |
1.62 |
1.64 |
1.78 |
1.94 |
| Depreciation, Depletion and Amortization | 1.58 |
2.98 |
2.99 |
1.92 |
2.04 |
2.22 |
2.29 |
2.21 |
2.33 |
2.09 |
2.06 |
0.55 |
0.53 |
0.51 |
0.51 |
0.51 |
| Operating Income | 9.64 |
9.87 |
9.31 |
10.19 |
12.24 |
3.58 |
-14.66 |
-17.72 |
1.57 |
4.40 |
4.92 |
0.91 |
1.09 |
1.13 |
1.27 |
1.43 |
| Net Income | 7.08 |
7.24 |
6.73 |
7.24 |
8.75 |
3.07 |
-8.80 |
-10.76 |
1.78 |
3.45 |
3.72 |
0.81 |
0.85 |
0.86 |
0.93 |
1.08 |
| Preferred dividends | -- |
-- |
-- |
-- |
-- |
-- |
1.46 |
1.49 |
1.50 |
1.50 |
1.50 |
0.38 |
0.38 |
0.38 |
0.38 |
0.38 |
| Earnings per Share ($) | 1.46 |
1.48 |
1.37 |
1.45 |
1.45 |
0.52 |
-1.73 |
-2.05 |
0.05 |
0.32 |
0.37 |
0.07 |
0.08 |
0.08 |
0.09 |
0.12 |
| Total Shares Outstanding | 4.85 |
4.89 |
4.91 |
4.99 |
6.04 |
5.89 |
5.92 |
5.98 |
6.01 |
6.05 |
6.07 |
6.03 |
6.04 |
6.07 |
6.07 |
6.07 |
| 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 | 19.64 |
17.71 |
21.52 |
14.00 |
18.02 |
13.21 |
28.69 |
21.34 |
24.57 |
46.52 |
83.45 |
32.97 |
29.73 |
41.83 |
46.52 |
83.45 |
| Money Market Investments | 0.02 |
0.08 |
-- |
22.41 |
0.37 |
-- |
-- |
1.50 |
9.76 |
9.33 |
9.22 |
10.27 |
9.97 |
9.70 |
9.33 |
9.22 |
| Net Loan | 480 |
506 |
567 |
643 |
701 |
809 |
841 |
749 |
710 |
664 |
651 |
698 |
692 |
681 |
664 |
651 |
| Securities & Investments | 141 |
134 |
135 |
127 |
161 |
162 |
178 |
256 |
237 |
277 |
273 |
255 |
255 |
246 |
277 |
273 |
| Accounts Receivable | 3.32 |
2.99 |
3.58 |
4.13 |
4.12 |
4.05 |
3.89 |
4.28 |
3.76 |
4.22 |
4.35 |
3.93 |
3.93 |
4.40 |
4.22 |
4.35 |
| Property, Plant and Equipment | 14.46 |
15.61 |
15.15 |
16.91 |
18.26 |
20.81 |
20.04 |
20.76 |
20.05 |
21.66 |
21.37 |
20.06 |
19.80 |
20.29 |
21.66 |
21.37 |
| Intangible Assets | 5.73 |
5.73 |
5.73 |
5.73 |
5.73 |
15.97 |
15.97 |
15.97 |
15.97 |
15.97 |
15.97 |
15.97 |
15.97 |
15.97 |
15.97 |
15.97 |
| Other Assets | 12.33 |
14.63 |
15.05 |
17.61 |
18.42 |
26.72 |
38.41 |
49.54 |
41.67 |
36.61 |
34.80 |
39.85 |
40.43 |
38.44 |
36.61 |
34.80 |
| Total Assets | 677 |
696 |
764 |
851 |
927 |
1,051 |
1,126 |
1,119 |
1,063 |
1,076 |
1,094 |
1,076 |
1,066 |
1,058 |
1,076 |
1,094 |
| Total Deposits | 581 |
590 |
628 |
654 |
672 |
814 |
853 |
868 |
830 |
838 |
855 |
844 |
832 |
819 |
838 |
855 |
| Accounts Payable | 0.86 |
0.84 |
1.26 |
2.28 |
3.54 |
2.51 |
1.74 |
1.45 |
1.48 |
1.67 |
1.71 |
1.53 |
1.58 |
1.61 |
1.67 |
1.71 |
| Current Portion of Long-Term Debt | 1.43 |
-- |
-- |
-- |
-- |
-- |
-- |
25.00 |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Long-Term Debt | 32.86 |
10.31 |
10.31 |
101 |
137 |
145 |
123 |
118 |
118 |
118 |
128 |
118 |
118 |
118 |
118 |
128 |
| Other liabilities | 4.32 |
35.54 |
62.14 |
6.52 |
23.12 |
12.34 |
43.27 |
15.82 |
18.98 |
18.30 |
8.60 |
17.49 |
18.34 |
21.55 |
18.30 |
8.60 |
| Total Liabilities | 621 |
637 |
702 |
764 |
836 |
973 |
1,021 |
1,028 |
968 |
976 |
993 |
980 |
970 |
960 |
976 |
993 |
| Common Stock | 9.73 |
9.76 |
9.81 |
12.17 |
11.87 |
11.80 |
11.88 |
11.95 |
12.02 |
12.06 |
12.06 |
12.04 |
12.05 |
12.06 |
12.06 |
12.06 |
| Preferred Stock | -- |
-- |
-- |
-- |
-- |
-- |
24.00 |
24.00 |
24.00 |
24.00 |
24.00 |
24.00 |
24.00 |
24.00 |
24.00 |
24.00 |
| Retained Earnings | 44.68 |
49.40 |
53.84 |
58.73 |
63.62 |
62.80 |
50.85 |
37.88 |
39.37 |
42.52 |
43.52 |
40.10 |
40.88 |
41.66 |
42.52 |
43.52 |
| Additional Paid-In Capital | -- |
-- |
-- |
21.28 |
18.81 |
18.46 |
18.97 |
19.30 |
19.45 |
19.52 |
19.53 |
19.47 |
19.49 |
19.52 |
19.52 |
19.53 |
| Total Equity | 56.56 |
59.76 |
61.87 |
87.81 |
90.77 |
78.03 |
105 |
91.42 |
95.12 |
99.71 |
100 |
95.53 |
96.93 |
97.82 |
99.71 |
100 |
| 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 | 7.08 |
7.24 |
6.73 |
7.24 |
8.75 |
3.07 |
-8.80 |
-10.76 |
1.78 |
3.45 |
3.72 |
0.81 |
0.85 |
0.86 |
0.93 |
1.08 |
| Depreciation, Depletion and Amortization | 1.58 |
2.98 |
2.99 |
1.92 |
2.04 |
2.22 |
2.29 |
2.21 |
2.33 |
2.09 |
2.06 |
0.55 |
0.53 |
0.51 |
0.51 |
0.51 |
| Cash Flow from Others | -4.82 |
0.44 |
0.11 |
0.42 |
4.14 |
2.94 |
9.43 |
23.59 |
11.98 |
11.47 |
10.36 |
3.01 |
2.54 |
4.17 |
1.76 |
1.90 |
| Cash Flow from Operations | 3.84 |
10.66 |
9.82 |
9.58 |
14.94 |
8.23 |
2.92 |
15.04 |
16.09 |
17.02 |
16.13 |
4.37 |
3.91 |
5.54 |
3.20 |
3.49 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-1.52 |
-2.93 |
-1.67 |
-3.70 |
-3.37 |
-0.56 |
-0.26 |
-1.01 |
-1.87 |
-0.23 |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-- |
-- |
34.00 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | -78.77 |
-25.73 |
-69.82 |
-73.35 |
-97.68 |
-52.75 |
-57.39 |
-28.29 |
47.20 |
-2.41 |
21.55 |
-7.41 |
3.36 |
16.70 |
-15.05 |
16.54 |
| Net Issuance of Stock | 0.12 |
0.21 |
0.39 |
23.98 |
-3.16 |
-0.80 |
0.28 |
0.16 |
0.08 |
0.04 |
0.02 |
0.02 |
0.02 |
-- |
-- |
-- |
| Net Issuance of Preferred Stock | -- |
-- |
-- |
-- |
-- |
-- |
24.00 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Issuance of Debt | 19.29 |
6.97 |
27.49 |
31.75 |
53.67 |
-5.93 |
-11.43 |
19.29 |
-25.00 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow for Dividends | -2.77 |
-2.92 |
-2.94 |
-3.10 |
-3.87 |
-3.78 |
-2.86 |
-1.92 |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other Financing | 46.20 |
8.95 |
38.77 |
26.04 |
18.06 |
49.86 |
59.94 |
-10.14 |
-36.63 |
7.38 |
12.54 |
11.93 |
-10.75 |
-10.30 |
16.50 |
17.08 |
| Cash Flow from Financing | 62.84 |
13.21 |
63.72 |
78.67 |
64.71 |
39.35 |
69.94 |
7.39 |
-61.55 |
7.42 |
12.56 |
11.95 |
-10.73 |
-10.30 |
16.50 |
17.08 |
| Net Change in Cash | -12.09 |
-1.87 |
3.72 |
14.90 |
-18.03 |
-5.17 |
15.47 |
-5.86 |
1.74 |
22.03 |
50.24 |
8.91 |
-3.46 |
11.94 |
4.65 |
37.12 |
| Free Cash Flow | 3.84 |
10.66 |
9.82 |
9.58 |
14.94 |
8.23 |
1.40 |
12.11 |
14.42 |
13.32 |
12.77 |
3.81 |
3.65 |
4.53 |
1.33 |
3.26 |
| 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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