European Shorting
| Market Cap | 4.3 M | P/E(ttm) | |
|---|---|---|---|
| Enterprise Value | P/B |
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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | -10.4 | -23.3 | -27.7 |
| EBITDA Growth (%) | 0 | 0 | 0 |
| Free Cash Flow Growth (%) | 0 | 0 | 0 |
| Book Value Growth (%) | 0.4 | 0.4 | 62.4 |
Print This Table 
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 |
| 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 % | 17.50 |
22.00 |
19.60 |
20.00 |
24.80 |
-2.70 |
-3.90 |
6.40 |
10.40 |
6.30 |
7.20 |
5.60 |
6.40 |
5.60 |
2.80 |
7.20 |
| Return on Assets % | 0.50 |
0.70 |
0.60 |
0.60 |
0.70 |
-0.10 |
-0.10 |
0.20 |
0.40 |
0.30 |
0.40 |
0.40 |
0.40 |
0.40 |
-- |
0.40 |
| Return on Capital - Joel Greenblatt % | -- |
-- |
41.90 |
-- |
-- |
-2.90 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 6.01 |
4.68 |
3.95 |
2.96 |
2.72 |
5.05 |
4.56 |
4.18 |
0.20 |
3.26 |
0.42 |
3.76 |
3.81 |
3.54 |
0.47 |
0.42 |
| Operating Margin % | 8.60 |
11.90 |
12.70 |
13.50 |
14.60 |
-2.30 |
-4.60 |
7.30 |
8.80 |
7.30 |
11.10 |
9.60 |
111 |
11.20 |
4.80 |
11.10 |
| Net Margin % | 5.90 |
8.90 |
10.70 |
10.40 |
12.20 |
-1.10 |
-3.00 |
5.20 |
8.80 |
7.90 |
9.10 |
6.10 |
2.80 |
7.60 |
3.90 |
9.10 |
| Debt to Revenue | 2.05 |
1.88 |
2.16 |
1.55 |
1.34 |
2.11 |
3.50 |
3.39 |
0.16 |
4.08 |
2.16 |
16.48 |
6.51 |
19.69 |
2.67 |
2.16 |
| Interest Exp. to Revenue % | 10.36 |
11.62 |
11.54 |
12.49 |
10.43 |
15.41 |
26.27 |
23.42 |
23.98 |
27.87 |
26.88 |
25.15 |
10.11 |
31.04 |
29.01 |
26.88 |
| Asset Turnover | 0.09 |
0.08 |
0.06 |
0.06 |
0.06 |
0.05 |
0.04 |
0.04 |
0.04 |
0.04 |
0.01 |
0.01 |
0.02 |
0.01 |
0.01 |
0.01 |
| 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 | 9,012 |
10,032 |
10,373 |
11,785 |
10,111 |
12,933 |
15,865 |
16,065 |
16,565 |
14,817 |
14,663 |
3,726 |
3,717 |
3,779 |
3,547 |
3,619 |
| Non Interest Income | 77,975 |
76,295 |
79,521 |
82,601 |
86,816 |
71,000 |
44,531 |
52,524 |
52,517 |
38,340 |
59,972 |
11,086 |
33,047 |
8,396 |
8,681 |
9,847 |
| Revenue | 86,987 |
86,327 |
89,894 |
94,386 |
96,928 |
83,933 |
60,396 |
68,590 |
69,082 |
53,156 |
74,635 |
14,812 |
36,764 |
12,176 |
12,228 |
13,467 |
| Selling, General, &Admin. Expense | 10,238 |
10,799 |
10,780 |
11,304 |
10,608 |
11,262 |
9,408 |
9,963 |
52,106 |
8,722 |
5,954 |
11,060 |
-6,977 |
8,459 |
2,242 |
2,229 |
| Credit Losses Provision | 1,439 |
596 |
140 |
132 |
161 |
1,645 |
3,812 |
2,245 |
2,141 |
2,724 |
2,878 |
565 |
694 |
712 |
754 |
719 |
| Other Expenses | 66,989 |
64,033 |
65,945 |
68,543 |
70,203 |
71,019 |
47,792 |
49,196 |
6,833 |
36,817 |
20,665 |
1,764 |
1,858 |
1,640 |
8,145 |
9,023 |
| Earnings Before DDA | 8,321 |
10,900 |
13,029 |
14,407 |
15,955 |
6.45 |
-615 |
7,186 |
8,001 |
4,894 |
45,137 |
1,422 |
41,190 |
1,365 |
1,087 |
1,495 |
| Depreciation, Depletion and Amortization | 800 |
639 |
1,637 |
1,664 |
1,774 |
1,917 |
2,181 |
2,209 |
1,941 |
996 |
996 |
-- |
492 |
-- |
504 |
-- |
| Operating Income | 7,521 |
10,260 |
11,393 |
12,743 |
14,181 |
-1,911 |
-2,796 |
4,977 |
6,060 |
3,897 |
44,141 |
1,422 |
40,697 |
1,365 |
583 |
1,495 |
| Net Income | 5,174 |
7,645 |
9,627 |
9,862 |
11,866 |
-937 |
-1,824 |
3,560 |
6,077 |
4,178 |
3,636 |
904 |
1,012 |
922 |
478 |
1,224 |
| 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 | 93,168 |
84,690 |
16,761 |
69,479 |
78,690 |
28,330 |
75,368 |
83,205 |
98,099 |
72,705 |
77,023 |
124,395 |
81,508 |
93,788 |
72,705 |
77,023 |
| Net Loan | 292,045 |
317,231 |
438,847 |
474,437 |
553,835 |
621,261 |
575,275 |
608,938 |
596,877 |
556,900 |
726,236 |
776,964 |
774,458 |
734,453 |
722,313 |
726,236 |
| Securities & Investments | 478,541 |
444,228 |
616,962 |
588,511 |
623,883 |
538,029 |
555,987 |
623,605 |
615,550 |
536,601 |
329,585 |
617,963 |
263,228 |
577,906 |
297,912 |
329,585 |
| Accounts Receivable | 23,435 |
21,645 |
27,214 |
32,608 |
42,176 |
42,342 |
-- |
-- |
-- |
-- |
6,751 |
-- |
-- |
-- |
-- |
6,751 |
| Deferred Policy Acquisition Costs | 12,491 |
13,259 |
12,303 |
13,029 |
13,730 |
15,220 |
-- |
-- |
13,082 |
-- |
-- | 12,890 |
5,987 |
5,941 |
-- |
-- |
| Property, Plant and Equipment | 1,678 |
1,604 |
7,375 |
7,732 |
8,009 |
8,219 |
7,845 |
7,862 |
3,700 |
3,428 |
3,447 |
5,491 |
3,521 |
3,447 |
3,428 |
3,447 |
| Intangible Assets | -- |
-- |
4,689 |
4,515 |
7,370 |
8,886 |
7,719 |
6,887 |
4,562 |
3,383 |
3,450 |
4,551 |
3,755 |
3,471 |
3,383 |
3,450 |
| Other Assets | 107,815 |
240,295 |
372,459 |
394,905 |
371,394 |
464,241 |
264,949 |
262,893 |
314,008 |
316,890 |
367,251 |
62,596 |
451,891 |
187,058 |
398,505 |
367,251 |
| Total Assets | 996,682 |
1,109,694 |
1,484,307 |
1,572,187 |
1,685,357 |
1,711,310 |
1,487,144 |
1,593,390 |
1,632,795 |
1,489,908 |
1,513,744 |
1,591,960 |
1,578,360 |
1,600,123 |
1,498,246 |
1,513,744 |
| Total Deposits | 390,921 |
467,809 |
596,613 |
636,769 |
674,415 |
671,824 |
601,933 |
655,592 |
599,419 |
583,337 |
603,391 |
608,376 |
606,303 |
570,455 |
583,337 |
603,391 |
| Accounts Payable | 11,312 |
11,203 |
18,352 |
17,734 |
22,200 |
32,128 |
107,994 |
93,400 |
92,606 |
49,621 |
47,981 |
88,868 |
75,479 |
65,855 |
49,621 |
47,981 |
| Current Portion of Long-Term Debt | 11,352 |
12,840 |
41,317 |
37,999 |
34,745 |
94,551 |
-- |
-- |
-- |
-- |
-- | 11,137 |
11,653 |
11,459 |
-- |
-- |
| Long-Term Debt | 166,556 |
149,769 |
153,229 |
107,880 |
95,432 |
82,750 |
211,160 |
232,368 |
11,356 |
216,596 |
29,100 |
232,942 |
227,546 |
228,232 |
32,704 |
29,100 |
| Other liabilities | 386,959 |
433,291 |
625,569 |
722,471 |
810,760 |
794,930 |
519,747 |
556,427 |
871,141 |
573,994 |
763,479 |
585,745 |
594,628 |
656,331 |
762,896 |
763,479 |
| Total Liabilities | 967,100 |
1,074,913 |
1,435,080 |
1,522,853 |
1,637,552 |
1,676,183 |
1,440,835 |
1,537,787 |
1,574,523 |
1,423,547 |
1,443,951 |
1,527,068 |
1,515,609 |
1,532,332 |
1,428,558 |
1,443,951 |
| Common Stock | -- |
-- |
-- |
679 |
686 |
636 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Preferred Stock | 2,282 |
1,644 |
379 |
276 |
27.26 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Retained Earnings | 28,181 |
33,826 |
47,062 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Additional Paid-In Capital | -- |
-- |
-- |
10,703 |
11,222 |
11,800 |
20,556 |
48,014 |
3,846 |
2,885 |
-- | -- |
21,735 |
-- |
-- |
-- |
| Total Equity | 29,582 |
34,781 |
49,227 |
49,334 |
47,805 |
35,127 |
46,309 |
55,603 |
58,272 |
66,360 |
69,792 |
64,892 |
62,751 |
67,791 |
69,688 |
69,792 |
| 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 | 7,522 |
10,260 |
9,627 |
12,744 |
14,180 |
-1,911 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Depreciation, Depletion and Amortization | 800 |
639 |
1,637 |
1,664 |
1,774 |
1,917 |
2,181 |
2,209 |
1,941 |
996 |
996 |
-- |
492 |
-- |
504 |
-- |
| Cash Flow from Others | 68,696 |
86,570 |
31,970 |
-1,908 |
-921 |
16,472 |
-37,309 |
-8,331 |
9,837 |
-12,868 |
-12,868 |
-- |
-20,501 |
-- |
7,633 |
-- |
| Cash Flow from Operations | 77,018 |
97,469 |
43,234 |
12,500 |
15,034 |
16,479 |
-35,128 |
-6,122 |
11,778 |
-11,872 |
-11,872 |
-- |
-20,009 |
-- |
8,137 |
-- |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-2,146 |
-2,322 |
-640 |
-542 |
-542 |
-- |
-- |
-- |
-542 |
-- |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-- |
-- |
-- |
3,527 |
2,338 |
5,103 |
-8,295 |
-8,295 |
-- |
-- |
-- |
-8,295 |
-- |
| Cash Flow from Investing | -83,903 |
-94,294 |
-64,446 |
-40,154 |
-17,891 |
-12,855 |
4,153 |
-4,294 |
8,338 |
738 |
738 |
-- |
-13,614 |
-- |
14,353 |
-- |
| Net Issuance of Stock | 1,203 |
760 |
145 |
-1,338 |
-2,829 |
10,682 |
9,350 |
-56.41 |
52.56 |
-778 |
-778 |
-- |
-- |
-- |
-778 |
-- |
| Net Issuance of Debt | 1,229 |
2,315 |
12,254 |
26,622 |
-9,745 |
52,201 |
16,141 |
9,851 |
-5,092 |
-876 |
-876 |
-- |
18,588 |
-- |
-19,464 |
-- |
| Cash Flow for Dividends | -1,186 |
-1,130 |
-3,152 |
-3,482 |
-3,902 |
-4,121 |
-1,321 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other Financing | -1.02 |
-0.95 |
119 |
-231 |
0.00 |
0.00 |
-6,410 |
0.00 |
-3,846 |
-481 |
-481 |
-- |
168 |
-- |
-649 |
-- |
| Cash Flow from Financing | 1,245 |
1,944 |
9,366 |
21,571 |
-16,476 |
58,762 |
17,760 |
9,795 |
-8,886 |
-2,135 |
-2,135 |
-- |
18,756 |
-- |
-20,891 |
-- |
| Net Change in Cash | -5,640 |
5,119 |
-11,843 |
-6,084 |
-19,333 |
62,386 |
-13,215 |
-621 |
11,231 |
-13,268 |
-13,268 |
-- |
-14,867 |
-- |
1,599 |
-- |
| Free Cash Flow | 77,018 |
97,469 |
43,234 |
12,500 |
15,034 |
16,479 |
-37,274 |
-8,444 |
11,138 |
-12,414 |
-12,414 |
-- |
-20,009 |
-- |
7,595 |
-- |
| 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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| PS Ratio | |
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| EV-to-Revenue | |
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| EV-to-EBITDA | |
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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 |
| Altman Z-Score | |
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