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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 0.8  12.7  -71.1 
EBITDA Growth (%)
Free Cash Flow Growth (%) -127 
Book Value Growth (%) 8.1  4.6  -71.4 

*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 DataAnnualsQuarterly
Fiscal Period
Dec02 Dec03 Dec04 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
6.27
6.97
3.59
4.25
4.32
3.95
4.49
5.81
6.07
2.11
1.70
1.44
0.55
0.38
0.41
0.36
EBITDA per Share
2.05
2.30
1.02
1.44
1.23
0.23
0.28
-1.02
-1.47
-1.00
-1.17
0.16
-1.47
0.11
0.10
0.09
Free Cashflow per Share
-4.35
16.90
9.38
1.04
1.26
-1.25
-0.24
0.19
1.54
-0.39
0.03
0.06
0.11
-0.32
-0.03
0.27
Earnings per Share ($)
1.25
1.25
0.54
0.83
0.71
0.06
-0.07
-0.96
-1.26
-0.76
-0.84
0.05
-0.99
0.06
0.04
0.05
Book Value per Share
7.99
9.09
9.63
8.27
14.20
11.87
15.64
14.70
13.69
5.41
3.51
13.93
5.72
3.71
3.95
3.51
Month End Stock Price
7.00
10.50
12.00
17.95
11.55
6.43
4.80
3.61
2.43
2.84
3.22
2.03
2.34
2.50
2.84
3.22
RatiosAnnualsQuarterly
Fiscal Period
Dec02 Dec03 Dec04 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
15.60
13.70
5.60
10.00
5.00
0.50
0.70
-5.00
-7.60
-12.80
6.80
2.80
-68.40
7.20
5.60
6.80
Return on Assets %
1.70
1.80
0.70
0.60
0.50
--
0.10
-0.40
-0.60
-1.10
0.80
0.40
-6.00
0.80
0.40
0.80
Return on Capital - Joel Greenblatt %
20.10
--
24.50
--
--
20.50
--
--
--
--
--
--
--
--
--
--
Debt to Equity
1.83
0.58
1.09
2.37
1.41
1.61
1.23
1.42
1.41
0.68
0.68
1.38
0.71
0.69
0.68
0.68
   
Operating Margin %
30.20
30.70
23.10
29.50
25.20
2.60
3.20
-20.30
-27.50
-50.70
23.40
7.30
-271
25.10
20.90
23.40
Net Margin %
19.90
17.90
15.00
19.50
16.40
1.40
2.30
-12.60
-17.10
-32.80
16.40
7.10
-178
17.20
13.10
16.40
   
Debt to Revenue
2.33
0.75
2.92
4.62
4.65
4.85
4.29
3.60
3.17
1.76
6.64
13.37
7.36
6.69
6.60
6.64
Interest Exp. to Revenue %
38.58
37.06
74.49
94.21
92.37
93.69
94.39
93.92
88.46
89.18
87.57
92.05
91.12
87.08
86.95
87.57
   
Asset Turnover
0.09
0.10
0.04
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.01
0.01
0.01
0.01
0.01
0.01
Buyback Ratio
--
--
--
--
--
--
--
--
--
289
--
--
223
1.30
--
--
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec02 Dec03 Dec04 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
3.69
3.97
4.59
7.57
9.79
11.05
12.59
16.21
15.95
16.34
16.65
3.93
3.98
4.19
4.24
4.24
Non Interest Income
5.88
6.75
1.57
0.47
0.81
0.74
0.75
1.05
2.08
1.98
2.25
0.34
0.39
0.62
0.64
0.60
Revenue
9.57
10.72
6.16
8.04
10.60
11.79
13.34
17.26
18.03
18.32
18.89
4.27
4.37
4.81
4.88
4.84
   
Selling, General, &Admin. Expense
4.16
4.62
2.58
2.61
4.01
5.41
6.67
7.69
8.21
9.42
9.73
2.16
2.57
2.32
2.38
2.46
Credit Losses Provision
0.36
0.03
0.33
0.40
0.68
2.92
2.29
8.22
9.44
9.20
8.73
0.57
8.31
0.16
0.17
0.10
Other Expenses
1.92
2.53
1.50
2.30
2.90
2.77
3.54
4.37
4.74
8.38
8.29
1.08
5.17
0.97
1.16
1.00
Earnings Before DDA
3.12
3.54
1.75
2.73
3.02
0.68
0.84
-3.02
-4.36
-8.67
-7.86
0.47
-11.68
1.36
1.17
1.28
   
Depreciation, Depletion and Amortization
0.23
0.25
0.33
0.36
0.36
0.38
0.42
0.49
0.60
0.62
0.62
0.16
0.16
0.16
0.15
0.15
   
Operating Income
2.89
3.29
1.42
2.37
2.67
0.31
0.43
-3.51
-4.96
-9.30
-8.48
0.31
-11.84
1.21
1.02
1.13
Net Income
1.91
1.92
0.92
1.57
1.74
0.17
0.31
-2.17
-3.08
-6.01
-5.52
0.30
-7.78
0.83
0.64
0.80
   
Preferred dividends
--
--
--
--
--
--
0.50
0.68
0.68
0.62
0.54
0.17
0.16
0.09
0.21
0.09
Earnings per Share ($)
1.25
1.25
0.54
0.83
0.71
0.06
-0.07
-0.96
-1.26
-0.76
-0.84
0.05
-0.99
0.06
0.04
0.05
Total Shares Outstanding
1.53
1.54
1.72
1.89
2.45
2.98
2.97
2.97
2.97
8.70
13.54
2.97
7.97
12.55
11.93
13.54
Balance SheetAnnuals (USD $) View: Quarterly
Fiscal Period
Dec02 Dec03 Dec04 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Cash and cash equivalents
5.99
6.22
2.46
7.03
16.78
5.71
30.67
32.37
50.36
35.32
14.10
21.43
18.78
33.45
35.32
14.10
Money Market Investments
--
0.24
0.26
--
--
13.44
5.16
4.67
4.60
3.48
3.37
4.61
4.50
3.48
3.48
3.37
Net Loan
91.10
69.77
91.19
200
294
367
397
386
362
379
388
369
364
366
379
388
Securities & Investments
11.27
27.17
39.96
46.12
36.01
31.98
78.57
89.18
86.92
89.71
86.25
97.46
96.00
89.58
89.71
86.25
Accounts Receivable
1.13
0.94
4.30
1.43
1.81
1.81
2.29
2.06
1.69
1.81
1.81
1.97
1.75
1.84
1.81
1.81
Property, Plant and Equipment
2.10
2.18
3.27
2.12
2.08
7.22
7.12
11.40
11.27
10.95
10.83
11.21
11.16
11.07
10.95
10.83
Other Assets
0.00
-0.00
0.50
0.79
0.96
3.96
9.47
10.14
24.52
22.86
21.74
24.43
24.81
23.92
22.86
21.74
Total Assets
112
107
142
257
352
432
530
536
542
543
526
530
521
529
543
526
   
Total Deposits
76.11
83.85
99.62
194
255
334
422
427
440
459
443
428
438
447
459
443
Accounts Payable
0.99
0.60
0.51
--
--
2.53
3.41
2.25
2.05
3.72
2.30
2.69
3.42
2.48
3.72
2.30
Current Portion of Long-Term Debt
18.29
3.00
5.00
--
2.10
--
--
--
--
--
--
--
--
--
--
--
Long-Term Debt
4.00
5.08
13.00
37.16
47.16
57.16
57.16
62.16
57.16
32.16
32.16
57.16
32.16
32.16
32.16
32.16
Other liabilities
0.00
-0.00
7.30
10.13
12.64
2.15
1.24
1.08
1.61
0.87
1.00
0.80
0.93
0.94
0.87
1.00
Total Liabilities
99.39
92.52
125
242
317
396
484
492
501
496
479
489
475
483
496
479
   
Common Stock
0.01
0.01
0.01
7.18
11.89
11.89
11.89
11.89
11.89
49.10
49.14
11.89
47.54
47.54
49.10
49.14
Preferred Stock
--
--
--
--
--
--
0.04
0.04
0.04
0.02
0.02
0.04
0.02
0.02
0.02
0.02
Retained Earnings
2.16
4.09
5.01
2.78
4.52
4.69
4.49
1.64
-1.94
-8.12
-7.41
-1.64
-9.42
-8.67
-8.12
-7.41
Additional Paid-In Capital
9.79
9.79
11.54
6.01
18.49
18.65
29.70
29.74
29.70
4.07
4.51
29.55
5.52
5.52
4.07
4.51
Total Equity
12.21
13.99
16.52
15.66
34.86
35.42
46.46
43.68
40.68
47.09
47.60
41.38
45.61
46.57
47.09
47.60
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec02 Dec03 Dec04 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Income
1.91
1.92
0.92
1.57
1.74
0.17
0.31
-2.17
-3.08
-6.01
-5.52
0.30
-7.78
0.83
0.64
0.80
Depreciation, Depletion and Amortization
0.23
0.25
0.33
0.36
0.36
0.38
0.42
0.49
0.60
0.62
0.62
0.16
0.16
0.16
0.15
0.15
Cash Flow from Others
-8.77
23.84
14.85
0.05
0.99
1.23
-1.11
7.05
7.54
2.31
5.30
-0.20
8.58
-4.91
-1.16
2.79
Cash Flow from Operations
-6.64
26.01
16.10
1.97
3.08
1.78
-0.38
5.36
5.07
-3.07
0.41
0.26
0.96
-3.92
-0.37
3.74
   
Investment for Property, Plant & Equipement
--
--
--
--
--
-5.51
-0.32
-4.80
-0.48
-0.30
-0.24
-0.09
-0.11
-0.07
-0.03
-0.03
Cash Flow from Investing
-21.69
-19.06
-54.57
-45.94
-89.91
-83.19
-80.75
-13.69
4.62
-16.64
-9.46
-16.07
-0.86
9.80
-9.52
-8.88
   
Net Issuance of Stock
0.08
--
1.75
--
17.10
--
--
--
--
17.37
17.09
--
17.38
-0.01
--
-0.28
Net Issuance of Preferred Stock
--
--
--
--
--
--
10.93
--
--
-5.55
-5.55
--
-5.53
-0.02
--
--
Net Issuance of Debt
10.89
-14.22
17.22
13.90
13.67
10.00
--
5.00
-5.00
-25.00
-25.00
--
-25.00
--
--
--
Cash Flow for Dividends
--
--
--
--
--
--
-0.41
-0.55
-0.55
-0.40
-0.34
-0.14
-0.13
-0.07
-0.07
-0.07
Other Financing
18.64
7.74
15.77
31.92
60.81
69.98
86.92
4.58
13.86
18.26
15.52
-12.98
10.51
8.90
11.83
-15.72
Cash Flow from Financing
29.60
-6.48
34.74
45.81
91.58
79.98
97.44
9.03
8.31
4.68
1.72
-13.11
-2.76
8.80
11.76
-16.07
   
Net Change in Cash
1.28
0.47
-3.73
1.85
4.75
-1.43
16.31
0.70
17.99
-15.04
-7.33
-28.93
-2.66
14.68
1.87
-21.22
   
Free Cash Flow
-6.64
26.01
16.10
1.97
3.08
-3.73
-0.70
0.57
4.59
-3.37
0.17
0.17
0.85
-3.99
-0.40
3.70
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
Dec02 Dec03 Dec04 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
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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Valuation and QualityAnnualsQuarterly
Fiscal Period
Dec02 Dec03 Dec04 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
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
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