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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%)
EBITDA Growth (%)
Free Cash Flow Growth (%)
Book Value Growth (%)

*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
Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 TTM Sep09 Dec09 Mar10 Jun10 Sep10
   
Revenue per Share ($)
163
79.28
92.22
45.61
42.14
27.20
46.48
43.76
39.02
43.22
37.66
11.11
10.25
9.38
9.17
8.86
EBITDA per Share
-26.59
-54.91
-11.19
3.86
4.86
1.53
1.82
-0.67
-0.32
1.40
1.93
0.19
0.21
0.57
0.55
0.60
Free Cashflow per Share
3.28
-59.77
-80.69
-1.06
-6.21
3.26
4.33
-4.13
2.95
0.68
-1.21
0.59
-0.86
-0.42
-0.13
0.20
Earnings per Share ($)
-19.40
-73.60
-11.40
-0.40
0.80
1.65
2.15
-3.70
-0.70
0.85
1.64
0.04
0.05
0.39
0.38
0.82
Dividends Per Share
7.00
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Book Value per Share
122
26.79
18.53
13.80
11.08
15.47
19.08
13.17
11.33
13.18
15.00
13.43
13.18
13.72
13.86
15.00
Month End Stock Price
52.50
32.00
1.70
4.50
29.80
37.95
39.75
20.25
7.05
9.10
8.99
13.95
9.10
9.15
6.95
8.99
RatiosAnnualsQuarterly
Fiscal Period
Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Latest Q. Sep09 Dec09 Mar10 Jun10 Sep10
   
Return on Equity %
-15.90
-275
-61.50
25.20
42.90
15.70
13.40
-28.10
-6.20
6.50
22.00
1.20
1.60
11.60
11.20
22.00
Return on Assets %
-4.10
-19.90
-4.10
1.80
3.30
4.20
3.90
-7.60
-1.40
1.70
6.40
0.40
0.40
3.20
3.20
6.40
Return on Capital - Joel Greenblatt %
-611
-2,192
--
--
--
--
163
-54.90
-36.30
44.30
106
7.60
10.00
76.80
116
106
Debt to Equity
0.13
0.39
0.26
--
--
0.01
0.60
0.74
0.92
0.83
0.72
0.80
0.83
0.80
0.78
0.72
   
Operating Margin %
-17.90
-71.50
-13.00
7.90
11.30
5.30
3.60
-1.90
-1.80
2.00
4.90
0.40
0.50
4.30
4.30
4.90
Net Margin %
-11.90
-92.90
-12.40
7.60
11.30
8.90
5.50
-8.50
-1.80
2.00
9.30
0.30
0.50
4.20
4.20
9.30
   
Debt to Revenue
0.10
0.13
0.05
--
--
0.01
0.25
0.22
0.27
0.25
1.22
0.97
1.06
1.17
1.17
1.22
Interest Exp. to Revenue %
-0.86
-1.03
-0.44
-0.24
--
--
-1.10
-1.87
-1.67
-1.01
-1.15
-0.92
-0.93
-1.00
-1.03
-1.15
   
Asset Turnover
0.35
0.22
0.33
0.24
0.30
0.47
0.71
0.89
0.80
0.86
0.17
0.21
0.20
0.18
0.19
0.17
Buyback Ratio
2.80
--
--
--
--
-265
-159
--
--
--
--
--
--
--
--
--
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 TTM Sep09 Dec09 Mar10 Jun10 Sep10
   
Total Premiums Earned
151
68.73
60.27
34.39
39.07
85.76
187
193
177
185
161
47.36
43.71
39.74
39.28
37.98
Net Investment Income
14.09
8.09
4.32
3.13
2.31
3.67
6.98
9.20
7.73
6.68
5.98
1.70
1.62
1.52
1.47
1.37
Fees and Other Income
-0.85
4.60
6.33
6.81
7.50
10.16
12.73
17.43
6.20
14.93
13.47
4.12
3.74
3.62
3.11
3.00
Revenue
165
81.42
70.92
44.33
48.88
99.59
206
219
191
207
180
53.19
49.07
44.87
43.86
42.36
   
Policyholder Benefits & Claims
287
175
113
51.03
54.02
115
266
315
130
137
119
35.92
33.55
29.30
29.21
27.17
Policy Acquisition Expense
49.83
34.68
20.87
15.33
18.55
36.51
66.08
66.13
61.19
63.30
52.99
16.59
14.83
13.20
12.34
12.63
Earnings Before DDA
-26.81
-56.39
-8.61
3.75
5.64
5.59
8.11
-3.36
-1.57
6.71
9.27
0.93
1.02
2.73
2.65
2.87
   
Depreciation, Depletion and Amortization
2.74
1.85
0.62
0.27
0.14
0.26
0.66
0.89
1.83
2.57
3.17
0.74
0.79
0.79
0.79
0.79
   
Operating Income
-29.54
-58.24
-9.23
3.48
5.50
5.33
7.45
-4.25
-3.40
4.14
6.11
0.19
0.23
1.93
1.87
2.08
Net Income
-19.55
-75.61
-8.76
3.38
5.51
8.87
11.39
-18.55
-3.45
4.07
7.89
0.17
0.25
1.88
1.83
3.94
   
Preferred dividends
3.31
--
3.33
3.76
4.58
2.83
1.84
--
--
--
--
--
--
--
--
--
Earnings per Share ($)
-19.40
-73.60
-11.40
-0.40
0.80
1.65
2.15
-3.70
-0.70
0.85
1.64
0.04
0.05
0.39
0.38
0.82
Total Shares Outstanding
1.01
1.03
0.77
0.97
1.16
3.66
4.44
5.01
4.88
4.79
4.78
4.79
4.79
4.78
4.78
4.78
Balance SheetAnnuals (USD $) View: Quarterly
Fiscal Period
Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Latest Q. Sep09 Dec09 Mar10 Jun10 Sep10
   
Fixed Maturity Investment
193
133
63.30
41.58
20.02
56.90
111
128
99.24
140
146
144
140
144
139
146
Equity Investments
7.72
--
--
--
--
--
--
0.90
8.06
4.79
1.14
4.37
4.79
5.09
1.50
1.14
Short-term investments
40.84
45.13
51.67
69.10
78.22
65.15
79.74
43.78
66.06
42.50
41.33
41.67
42.50
39.04
42.64
41.33
Cash and cash equivalents
3.11
3.57
2.51
1.91
3.85
8.11
3.57
1.72
1.37
1.62
2.07
1.01
1.62
1.10
3.47
2.07
Accounts Receivable
126
105
35.49
20.49
18.10
41.26
49.44
40.04
39.86
34.16
36.16
40.48
34.16
37.54
33.17
36.16
Deferred Policy Acquisition Costs
2.30
3.19
1.67
1.29
2.38
7.32
9.63
7.18
7.85
6.44
6.53
7.64
6.44
7.03
5.99
6.53
Property, Plant and Equipment
7.94
6.23
0.91
0.34
0.20
1.78
2.38
3.54
2.94
1.76
1.37
2.11
1.76
1.52
1.47
1.37
Intangible Assets
22.80
5.01
0.61
0.61
0.61
0.61
0.61
0.61
0.61
0.61
0.61
0.61
0.61
0.61
0.61
0.61
Total Assets
475
379
214
186
165
212
289
245
239
242
245
253
242
246
237
245
   
Unpaid Loss & Loss Reserve
164
181
143
121
95.55
78.50
77.90
74.69
75.48
75.37
68.65
77.98
75.37
72.10
70.49
68.65
Unearned Premiums
72.58
47.97
8.58
8.60
13.08
39.48
53.88
44.54
48.48
41.31
43.22
49.70
41.31
45.57
40.33
43.22
Current Portion of Long-Term Debt
--
--
--
--
--
--
5.76
5.93
7.82
9.20
8.56
8.64
9.20
9.62
8.46
8.56
Other liabilities
49.73
88.50
34.22
38.63
35.80
17.46
5.74
1.33
2.27
3.10
2.93
1.78
3.10
3.10
2.81
2.93
Long-Term Debt
16.00
10.80
3.70
--
--
0.50
45.00
43.00
43.00
43.00
43.00
43.00
43.00
43.00
43.00
43.00
Total Liabilities
352
352
200
172
152
156
205
179
184
179
174
188
179
180
170
174
   
Common Stock
2.20
2.20
2.20
2.20
2.20
2.02
2.50
2.51
2.52
0.50
0.50
0.50
0.50
0.50
0.50
0.50
Preferred Stock
3.16
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Retained Earnings
5.96
-71.98
-84.07
-84.46
-83.53
-77.49
-67.94
-86.49
-89.94
-87.17
-79.53
-86.10
-87.17
-85.30
-83.47
-79.53
Additional Paid-In Capital
114
101
101
101
101
133
151
151
152
154
154
154
154
154
154
154
Treasury Stock
-7.70
-7.70
-7.70
-7.70
-7.70
--
-0.65
-0.95
-4.13
-4.17
-4.19
-4.14
-4.17
-4.18
-4.19
-4.19
Total Equity
123
27.52
14.25
13.41
12.85
56.64
84.74
66.04
55.35
63.05
71.71
64.26
63.05
65.60
66.28
71.71
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 TTM Sep09 Dec09 Mar10 Jun10 Sep10
   
Net Income
-19.55
-75.61
-8.76
3.38
5.51
8.87
11.39
-18.55
-3.45
4.07
7.89
0.17
0.25
1.88
1.83
3.94
Depreciation, Depletion and Amortization
2.74
1.85
0.62
0.27
0.14
0.26
0.66
0.89
1.83
2.57
3.17
0.74
0.79
0.79
0.79
0.79
Cash Flow from Others
21.47
12.37
-53.91
-4.65
-12.80
4.68
8.57
-0.61
17.24
-3.01
-16.30
1.95
-5.13
-4.61
-2.99
-3.58
Cash Flow from Operations
4.65
-61.39
-62.05
-1.00
-7.15
13.81
20.62
-18.28
15.63
3.64
-5.24
2.86
-4.09
-1.94
-0.37
1.16
   
Investment for Property, Plant & Equipement
-1.34
--
--
-0.03
-0.05
-1.87
-1.39
-2.41
-1.21
-0.40
-0.59
-0.02
-0.02
-0.09
-0.27
-0.21
Cash Flow from Acquisitions
-8.49
-0.20
--
--
--
--
--
9.56
--
--
--
--
--
--
--
--
Cash Flow from Investing
0.62
62.15
68.10
4.10
12.10
-26.60
-69.94
18.56
-14.68
-4.75
6.42
-3.17
4.16
1.01
3.91
-2.67
   
Net Issuance of Stock
0.54
--
--
--
--
21.06
17.48
-0.30
-3.19
-0.04
-0.04
--
-0.03
-0.01
-0.00
--
Net Issuance of Preferred Stock
--
--
--
--
--
-3.42
-18.12
--
--
--
--
--
--
--
--
--
Net Issuance of Debt
-2.00
-5.20
-7.10
-3.70
--
--
41.10
--
1.89
1.39
-0.08
-0.65
0.57
0.42
-1.17
0.11
Cash Flow for Dividends
-1.90
-0.48
--
--
-3.01
-1.09
-0.36
--
--
--
--
--
--
--
--
--
Other Financing
--
5.37
--
--
--
0.50
4.51
-1.84
--
-0.00
0.00
--
0.00
0.00
0.00
--
Cash Flow from Financing
-3.36
-0.31
-7.10
-3.70
-3.01
17.05
44.61
-2.14
-1.30
1.35
-0.12
-0.65
0.54
0.41
-1.17
0.11
   
Net Change in Cash
1.91
0.46
-1.06
-0.60
1.94
4.26
-4.71
-1.85
-0.35
0.24
1.06
-0.96
0.61
-0.52
2.37
-1.40
   
Free Cash Flow
3.31
-61.39
-62.05
-1.03
-7.20
11.94
19.23
-20.69
14.41
3.24
-5.84
2.84
-4.11
-2.03
-0.64
0.95
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Latest Q. Sep09 Dec09 Mar10 Jun10 Sep10
   
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
Price to Tangible Book 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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Earnings Yield (Joel Greenblatt) 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
Forward Rate of Return 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
Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Latest Q. Sep09 Dec09 Mar10 Jun10 Sep10
   
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
Month End Stock Price 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 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
DCF (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
Median PS (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
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
Altman Z-Score 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
Piotroski F-Score 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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