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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) -7.1  0.6  21.1 
EBITDA Growth (%) 52.9 
Free Cash Flow Growth (%) -65 
Book Value Growth (%) 4.3  4.3  11.3 

*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
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
11.97
13.10
14.28
12.85
14.84
8.44
7.35
7.63
7.57
8.56
9.41
1.85
2.10
2.15
2.47
2.69
EBITDA per Share
2.65
-3.53
2.66
2.76
4.11
-0.44
-2.00
-1.48
0.05
0.87
1.08
0.25
0.34
0.19
0.08
0.47
Free Cashflow per Share
2.19
3.05
2.90
3.35
4.08
-2.81
-1.48
-0.83
0.52
0.19
2.25
0.14
1.15
-0.50
-0.58
2.18
Earnings per Share ($)
1.67
-1.86
1.83
1.72
2.65
-0.31
-1.29
-1.01
-0.05
0.53
0.69
0.13
0.18
0.09
0.13
0.29
Dividends Per Share
0.21
0.32
0.32
0.48
0.72
0.72
0.36
0.12
--
0.02
0.04
--
--
--
0.02
0.02
Book Value per Share
6.38
4.27
6.15
8.19
10.12
9.55
8.43
7.29
7.32
8.22
8.45
7.59
7.84
8.14
8.20
8.45
Month End Stock Price
15.01
14.60
17.11
23.75
13.44
4.63
4.02
3.18
2.96
5.35
7.61
4.50
3.96
5.96
5.35
7.61
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
26.10
-43.50
29.70
21.00
26.20
-3.30
-15.30
-13.80
-0.70
6.50
13.60
7.20
9.20
4.40
6.40
13.60
Return on Assets %
7.80
-6.60
4.20
6.60
9.70
-1.30
-5.10
-4.30
-0.20
2.30
4.40
2.40
3.20
1.60
2.40
4.40
Return on Capital - Joel Greenblatt %
--
-163
167
--
--
--
--
--
--
--
--
--
--
--
--
--
Debt to Equity
0.34
1.36
0.60
0.19
0.11
0.11
0.12
0.13
0.14
0.09
0.09
0.12
0.09
0.10
0.09
0.09
   
Operating Margin %
21.40
-27.60
18.10
21.10
27.40
-5.60
-27.50
-19.70
-1.70
9.80
17.10
11.20
13.90
6.40
8.40
17.10
Net Margin %
13.90
-14.20
12.80
13.40
17.90
-3.70
-17.50
-13.20
-0.70
6.30
10.70
7.30
8.50
4.30
5.40
10.70
   
Debt to Revenue
0.18
0.44
0.26
0.12
0.07
0.13
0.14
0.12
0.13
0.09
0.29
0.49
0.35
0.36
0.30
0.29
Interest Exp. to Revenue %
-1.01
-1.42
-1.48
-0.63
-0.15
--
--
--
--
--
0.67
--
--
--
--
0.67
   
Asset Turnover
0.56
0.47
0.33
0.49
0.54
0.34
0.29
0.33
0.33
0.37
0.11
0.08
0.09
0.09
0.11
0.11
Buyback Ratio
-82.10
27.70
-48.00
-95.50
-10.40
--
--
--
--
--
--
--
--
--
--
--
Dividend Payout Ratio
0.13
--
0.18
0.28
0.27
--
--
--
--
0.04
0.07
--
--
--
0.15
0.07
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Total Premiums Earned
44.88
66.24
82.96
89.35
99.22
65.13
47.98
45.06
48.52
59.36
65.33
12.82
14.69
15.09
16.76
18.79
Net Investment Income
1.62
3.17
3.84
5.93
7.96
6.35
3.40
3.73
4.08
3.82
3.65
0.96
0.94
0.95
0.97
0.79
Fees and Other Income
13.62
7.16
7.87
8.63
11.94
-4.13
7.48
11.82
7.56
5.47
6.79
0.96
1.20
1.22
2.09
2.28
Revenue
60.12
76.57
94.67
104
119
67.36
58.85
60.60
60.16
68.65
75.77
14.74
16.82
17.26
19.82
21.87
   
Selling, General, &Admin. Expense
--
--
--
--
--
7.43
7.93
8.61
8.00
8.44
8.56
2.21
2.00
2.08
2.15
2.33
Policyholder Benefits & Claims
55.02
150
103
95.81
102
41.87
43.71
40.09
30.90
30.21
33.80
5.73
7.14
8.05
9.30
9.32
Policy Acquisition Expense
--
8.42
14.56
17.40
19.42
--
13.75
13.03
12.35
13.26
14.26
2.75
2.98
3.98
3.54
3.75
Earnings Before DDA
13.33
-20.63
17.61
22.29
33.00
-3.51
-16.02
-11.73
0.42
6.94
8.71
2.02
2.75
1.51
0.67
3.79
   
Depreciation, Depletion and Amortization
0.44
0.49
0.45
0.34
0.32
0.29
0.19
0.22
1.42
0.20
-0.12
0.37
0.41
0.40
-0.99
0.05
   
Operating Income
12.89
-21.12
17.17
21.95
32.68
-3.80
-16.21
-11.96
-1.00
6.75
8.84
1.65
2.34
1.10
1.66
3.73
Net Income
8.37
-10.86
12.12
13.90
21.28
-2.48
-10.29
-8.00
-0.43
4.31
5.58
1.07
1.42
0.75
1.07
2.34
   
Earnings per Share ($)
1.67
-1.86
1.83
1.72
2.65
-0.31
-1.29
-1.01
-0.05
0.53
0.69
0.13
0.18
0.09
0.13
0.29
Total Shares Outstanding
5.02
5.85
6.63
8.09
8.03
7.98
8.00
7.95
7.95
8.02
8.13
7.96
7.99
8.04
8.04
8.13
Balance SheetAnnuals (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
43.49
69.59
89.48
118
120
22.93
94.16
105
111
109
115
113
117
124
109
115
Equity Investments
3.66
14.80
10.61
6.64
16.53
3.14
20.06
17.94
18.03
20.98
27.11
18.39
18.53
21.07
20.98
27.11
Net Loan
9.89
8.29
7.31
1.83
0.42
--
--
--
--
--
--
--
--
--
--
--
Cash and cash equivalents
6.77
6.13
6.07
17.92
22.52
125
28.20
16.21
15.21
21.14
28.19
15.48
21.43
10.94
21.14
28.19
Accounts Receivable
21.92
39.43
144
8.01
33.16
5.83
17.38
8.03
6.75
9.63
12.68
7.35
9.27
8.21
9.63
12.68
Deferred Policy Acquisition Costs
1.74
6.96
9.18
11.15
8.96
6.56
8.27
7.88
7.72
8.48
10.14
8.59
9.44
8.48
8.48
10.14
Property, Plant and Equipment
4.15
4.27
3.90
1.30
1.05
0.86
0.86
0.77
0.84
0.56
0.88
0.81
0.81
0.78
0.56
0.88
Intangible Assets
1.74
0.15
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Total Assets
107
164
290
212
219
197
203
184
180
186
206
183
188
187
186
206
   
Unpaid Loss & Loss Reserve
24.57
46.57
156
39.62
59.69
64.78
70.61
66.53
59.98
49.91
47.57
55.31
53.00
51.18
49.91
47.57
Unearned Premiums
34.12
50.15
61.84
77.83
56.39
40.51
50.86
47.14
47.93
59.01
73.29
54.68
61.60
58.92
59.01
73.29
Current Portion of Long-Term Debt
--
14.83
12.44
8.12
8.70
8.69
8.25
7.43
7.93
5.99
6.35
7.22
5.85
6.23
5.99
6.35
Other liabilities
0.62
4.37
3.42
10.50
8.98
3.20
3.14
2.87
2.80
2.46
3.72
3.16
2.25
2.06
2.46
3.72
Long-Term Debt
10.97
19.02
11.95
4.17
--
--
--
--
--
--
--
--
--
--
--
--
Total Liabilities
74.65
139
249
146
138
121
135
126
122
120
137
123
125
122
120
137
   
Common Stock
0.04
0.07
0.08
0.08
0.08
--
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
Preferred Stock
--
--
--
--
--
0.08
--
--
--
--
--
--
--
--
--
--
Retained Earnings
13.64
0.88
10.41
20.01
35.53
27.36
15.15
6.68
6.25
10.40
12.34
7.32
8.74
9.49
10.40
12.34
Additional Paid-In Capital
20.46
26.31
31.83
47.07
48.24
49.98
50.19
50.65
50.94
51.36
51.45
51.00
51.09
51.17
51.36
51.45
Treasury Stock
-1.77
-1.78
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Total Equity
32.05
24.98
40.77
66.19
81.26
76.23
67.44
57.93
58.14
65.91
68.67
60.45
62.67
65.49
65.91
68.67
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Income
8.37
-10.86
11.08
13.90
21.28
-2.48
-10.29
-8.00
-0.43
4.31
5.58
1.07
1.42
0.75
1.07
2.34
Depreciation, Depletion and Amortization
0.44
0.49
0.45
0.34
0.32
0.29
0.19
0.22
1.42
0.20
-0.12
0.37
0.41
0.40
-0.99
0.05
Cash Flow from Others
3.47
28.95
7.86
13.28
11.24
-20.14
-1.51
1.30
3.16
-2.97
12.73
-0.34
7.37
-5.21
-4.78
15.35
Cash Flow from Operations
12.27
18.58
19.38
27.52
32.84
-22.33
-11.61
-6.48
4.15
1.54
18.18
1.10
9.19
-4.06
-4.70
17.74
   
Investment for Property, Plant & Equipement
-1.29
-0.72
-0.18
-0.40
-0.07
-0.10
-0.19
-0.13
--
--
--
--
--
--
--
--
Cash Flow from Acquisitions
--
5.49
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Cash Flow from Investing
-21.86
-30.88
-15.47
-19.74
-18.99
129
-82.72
-5.07
-5.18
4.33
-5.15
-0.85
-3.27
-6.48
14.93
-10.34
   
Net Issuance of Stock
6.19
2.99
5.32
11.27
-1.61
-0.14
-0.29
--
--
--
--
--
--
--
--
--
Net Issuance of Debt
7.29
10.55
-6.95
-0.19
-2.08
--
--
--
--
--
--
--
--
--
--
--
Cash Flow for Dividends
-1.24
-1.88
-2.34
-4.29
-5.76
-5.70
-1.92
-0.48
--
-0.16
-0.56
--
--
--
-0.16
-0.40
Other Financing
0.00
--
--
-2.73
0.21
1.52
0.16
0.04
0.03
0.23
0.25
0.02
0.03
0.04
0.14
0.04
Cash Flow from Financing
12.23
11.66
-3.97
4.06
-9.24
-4.32
-2.05
-0.44
0.03
0.07
-0.31
0.02
0.03
0.04
-0.02
-0.36
   
Net Change in Cash
2.64
-0.64
-0.06
11.85
4.61
102
-96.38
-11.99
-1.00
5.94
12.72
0.27
5.95
-10.50
10.21
7.05
   
Free Cash Flow
10.98
17.86
19.20
27.12
32.77
-22.43
-11.81
-6.61
4.15
1.54
18.18
1.10
9.19
-4.06
-4.70
17.74
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 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
Dec03 Dec04 Dec05 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
Enterprise Value 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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Net Cash (per share) 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
Net Current Asset Value (per share) 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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Peter Lynch Fair Value (per share) 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
Graham Number (per share) 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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