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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) -2.2  -15.7  1.8 
EBITDA Growth (%) 232.7 
Free Cash Flow Growth (%) 5.7  26.3  8.8 
Book Value Growth (%) 3.5  3.5  4.4 

*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
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
8.97
11.09
10.30
11.21
12.74
15.97
12.14
8.05
8.15
8.29
8.33
2.06
2.08
2.05
2.10
2.10
EBITDA per Share
2.17
3.14
2.74
2.41
2.62
3.64
0.18
-0.20
0.38
1.53
1.63
0.37
0.38
0.34
0.45
0.46
Free Cashflow per Share
0.62
6.31
0.70
0.66
3.59
0.54
4.41
0.60
3.32
2.00
2.98
0.12
0.56
1.01
0.30
1.11
Earnings per Share ($)
1.34
1.63
1.38
1.12
1.07
1.97
-0.24
-0.33
0.02
0.77
0.84
0.19
0.19
0.14
0.25
0.26
Book Value per Share
10.16
16.30
14.51
15.85
17.38
17.56
24.27
15.14
15.81
16.66
16.71
16.00
16.15
16.41
16.66
16.71
Month End Stock Price
24.29
31.50
31.85
26.30
27.85
26.66
12.57
11.01
8.38
13.22
16.54
11.69
12.03
12.67
13.22
16.54
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
13.20
10.10
9.60
7.20
6.20
11.30
-0.90
-2.10
0.10
4.60
6.00
4.80
4.80
3.60
6.00
6.00
Return on Assets %
0.60
0.70
0.50
0.40
0.40
0.60
-0.10
-0.20
--
0.40
0.40
0.40
0.40
0.40
0.40
0.40
Return on Capital - Joel Greenblatt %
24.50
78.40
7.00
7.40
3.80
5.60
-3.90
-4.50
-1.20
11.70
11.20
11.60
14.40
--
14.80
11.20
Debt to Equity
1.05
0.16
1.87
1.41
2.64
3.32
0.53
0.83
0.52
0.65
0.70
0.63
0.53
0.21
0.65
0.70
   
Operating Margin %
22.00
22.10
20.10
14.80
11.80
18.00
-4.10
-8.10
-1.00
13.50
17.10
12.50
12.90
11.70
16.90
17.10
Net Margin %
14.90
14.80
13.60
10.10
8.50
12.40
-1.90
-4.00
0.30
9.30
12.30
9.20
9.40
6.90
11.70
12.30
   
Debt to Revenue
1.19
0.24
2.64
1.99
3.61
3.64
1.05
1.56
1.01
1.32
5.54
4.93
4.13
1.70
5.20
5.54
Interest Exp. to Revenue %
77.23
80.48
78.24
73.79
72.27
75.58
75.56
73.10
73.16
74.50
75.18
74.39
74.65
75.29
73.67
75.18
   
Asset Turnover
0.04
0.05
0.04
0.04
0.04
0.05
0.05
0.05
0.05
0.04
0.01
0.01
0.01
0.01
0.01
0.01
Buyback Ratio
--
--
--
--
--
--
4,161
72.80
-1,316
-0.40
-1.20
-0.60
-0.70
-0.80
0.20
-1.20
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
33.89
46.59
50.91
52.79
59.49
78.71
75.61
79.85
83.00
87.20
87.92
21.62
21.97
21.78
21.83
22.34
Non Interest Income
9.99
11.30
14.16
18.75
22.82
25.43
24.46
29.38
30.45
29.85
29.79
7.44
7.46
7.15
7.81
7.38
Revenue
43.88
57.88
65.06
71.54
82.32
104
100
109
113
117
118
29.06
29.43
28.93
29.64
29.71
   
Selling, General, &Admin. Expense
19.13
24.93
29.73
33.84
37.83
40.83
61.74
66.50
63.50
61.32
60.81
15.86
15.21
15.18
15.07
15.35
Credit Losses Provision
1.70
2.65
1.56
1.63
1.76
7.48
12.43
21.00
20.59
10.10
9.90
2.50
2.95
2.50
2.15
2.30
Other Expenses
12.46
13.92
16.45
20.68
25.76
32.07
24.45
24.46
24.04
24.01
24.08
5.53
5.97
6.48
6.04
5.61
Earnings Before DDA
10.60
16.39
17.32
15.40
16.96
23.76
1.45
-2.73
5.32
21.63
22.91
5.17
5.30
4.78
6.38
6.45
   
Depreciation, Depletion and Amortization
0.93
3.62
4.22
4.78
7.21
5.01
5.52
6.14
6.48
5.82
5.65
1.55
1.50
1.40
1.38
1.37
   
Operating Income
9.68
12.77
13.10
10.62
9.75
18.75
-4.07
-8.87
-1.16
15.81
17.26
3.63
3.81
3.37
5.00
5.08
Net Income
6.56
8.59
8.82
7.25
7.00
12.90
-1.90
-4.34
0.29
10.89
11.86
2.68
2.76
1.99
3.46
3.65
   
Preferred dividends
--
0.08
0.08
0.08
0.08
0.08
--
--
--
--
--
--
--
--
--
--
Earnings per Share ($)
1.34
1.63
1.38
1.12
1.07
1.97
-0.24
-0.33
0.02
0.77
0.84
0.19
0.19
0.14
0.25
0.26
Total Shares Outstanding
4.89
5.22
6.32
6.38
6.46
6.52
8.24
13.56
13.92
14.13
14.16
14.13
14.13
14.13
14.13
14.16
Balance SheetAnnuals (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
37.72
28.91
36.42
52.50
50.96
49.51
40.26
32.86
47.00
56.58
43.25
47.40
48.25
138
56.58
43.25
Money Market Investments
--
12.00
--
--
18.23
21.63
21.63
20.61
24.88
15.45
19.56
15.97
15.17
13.73
15.45
19.56
Net Loan
479
653
826
988
1,161
1,464
1,442
1,376
1,424
1,519
1,554
1,465
1,481
1,488
1,519
1,554
Securities & Investments
480
530
699
723
645
494
507
666
810
945
895
833
796
793
945
895
Property, Plant and Equipment
38.18
45.19
66.26
83.68
89.31
87.06
93.78
88.16
82.11
78.79
78.42
80.71
81.79
80.70
78.79
78.42
Other Assets
16.51
8.79
13.85
18.51
15.11
23.87
43.33
51.06
32.73
20.46
24.40
29.15
27.55
24.32
20.46
24.40
Total Assets
1,052
1,277
1,641
1,866
1,979
2,141
2,148
2,234
2,421
2,635
2,615
2,471
2,450
2,538
2,635
2,615
   
Total Deposits
907
1,161
1,371
1,617
1,561
1,634
1,815
1,832
2,072
2,231
2,197
2,087
2,086
2,244
2,231
2,197
Current Portion of Long-Term Debt
39.00
--
158
113
217
300
51.08
140
65.00
113
149
93.90
72.25
--
113
149
Long-Term Debt
13.00
13.60
13.60
29.40
79.40
79.40
54.40
29.40
49.20
40.80
15.80
49.20
49.20
49.20
40.80
15.80
Other liabilities
43.74
18.18
6.92
6.40
9.04
12.55
27.53
27.07
15.43
14.17
16.48
14.63
14.33
13.41
14.17
16.48
Total Liabilities
1,002
1,192
1,549
1,765
1,867
2,026
1,948
2,029
2,201
2,399
2,378
2,245
2,222
2,307
2,399
2,378
   
Common Stock
2.29
5.87
6.01
6.15
6.31
6.45
13.45
13.75
14.13
14.13
14.13
14.13
14.13
14.13
14.13
14.13
Preferred Stock
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
Retained Earnings
7.76
16.03
24.77
31.94
38.86
51.68
49.71
45.29
45.50
56.31
59.94
48.16
50.90
52.88
56.31
59.94
Additional Paid-In Capital
38.73
62.79
64.86
67.07
70.61
73.22
147
152
156
157
157
156
157
157
157
157
Total Equity
49.72
85.04
91.64
101
112
114
200
205
220
235
237
226
228
232
235
237
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
6.56
8.59
8.82
7.25
7.00
12.90
-1.90
-4.34
0.29
10.89
11.86
2.68
2.76
1.99
3.46
3.65
Depreciation, Depletion and Amortization
0.93
3.62
4.22
4.78
7.21
5.01
5.52
6.14
6.48
5.82
5.65
1.55
1.50
1.40
1.38
1.37
Cash Flow from Others
-4.43
20.71
-8.63
-7.84
8.98
-14.37
45.79
6.94
41.16
14.89
28.95
-2.35
6.25
11.25
-0.25
11.71
Cash Flow from Operations
3.06
32.92
4.41
4.19
23.19
3.54
49.41
8.75
47.92
31.60
46.45
1.88
10.51
14.64
4.58
16.73
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
-13.10
-0.64
-1.68
-3.38
-4.24
-0.15
-2.58
-0.32
-0.34
-1.00
Cash Flow from Investing
-301
-232
-379
-206
-126
-162
-44.95
-99.61
-213
-229
-182
-53.66
12.87
-10.18
-178
-6.34
   
Net Issuance of Stock
1.42
27.07
1.66
1.50
2.61
1.50
78.97
3.16
3.80
0.04
0.07
0.02
0.02
0.02
-0.01
0.04
Net Issuance of Debt
79.00
-79.00
158
-29.30
155
82.79
-274
62.83
-55.75
39.69
21.49
28.90
-21.65
-72.25
105
10.70
Cash Flow for Dividends
-0.09
-0.10
--
-0.08
-0.08
-0.08
-0.08
-0.08
-0.08
-0.08
-0.08
-0.02
-0.02
-0.02
-0.02
-0.02
Other Financing
179
254
210
246
-55.51
73.19
181
17.55
239
160
110
15.22
-0.88
158
-12.64
-34.44
Cash Flow from Financing
260
202
370
218
102
157
-13.71
83.45
187
199
132
44.11
-22.53
85.76
92.02
-23.72
   
Net Change in Cash
-37.74
3.20
-4.49
16.08
-1.55
-1.44
-9.25
-7.41
22.22
1.51
-4.16
-7.67
0.84
90.22
-81.89
-13.34
   
Free Cash Flow
3.06
32.92
4.41
4.19
23.19
3.54
36.31
8.11
46.24
28.22
42.21
1.73
7.93
14.32
4.24
15.72
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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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
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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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