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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | -4.3 | -5.2 | -10.8 |
| EBITDA Growth (%) | 0 | 0 | -331.7 |
| Free Cash Flow Growth (%) | 6.2 | 18.7 | -72.5 |
| Book Value Growth (%) | 0.4 | 1.2 | 24.6 |
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 |
| Revenue per Share ($) | 6.30 |
6.15 |
6.69 |
6.75 |
6.12 |
5.41 |
5.02 |
5.53 |
4.84 |
4.21 |
4.20 |
1.18 |
1.05 |
0.59 |
1.29 |
1.27 |
| EBITDA per Share | 1.67 |
1.68 |
1.92 |
1.24 |
-0.72 |
-3.77 |
-1.27 |
0.54 |
0.60 |
-1.56 |
-1.39 |
0.18 |
0.13 |
-2.25 |
0.37 |
0.36 |
| Free Cashflow per Share | 0.99 |
1.91 |
1.34 |
2.25 |
1.66 |
1.40 |
0.84 |
2.52 |
5.93 |
1.24 |
1.68 |
0.31 |
0.48 |
0.23 |
0.18 |
0.79 |
| Earnings per Share ($) | 1.00 |
0.97 |
1.12 |
0.71 |
-0.49 |
-3.64 |
-1.15 |
0.03 |
0.11 |
-1.80 |
-1.72 |
0.05 |
0.01 |
-2.12 |
0.26 |
0.13 |
| Dividends Per Share | 0.64 |
0.64 |
0.51 |
0.68 |
0.68 |
0.34 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Book Value per Share | 10.31 |
10.53 |
10.69 |
10.49 |
16.82 |
8.10 |
7.24 |
6.94 |
6.73 |
5.60 |
9.44 |
7.07 |
7.14 |
5.58 |
5.60 |
9.44 |
| Month End Stock Price | 17.38 |
16.89 |
17.69 |
16.90 |
10.79 |
2.38 |
2.22 |
4.70 |
3.87 |
4.63 |
5.89 |
4.79 |
4.38 |
4.84 |
4.63 |
5.89 |
| 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 % | 9.70 |
9.20 |
10.50 |
6.70 |
-2.90 |
-31.70 |
-9.20 |
2.10 |
2.90 |
-12.90 |
9.60 |
3.60 |
2.00 |
-93.20 |
9.60 |
9.60 |
| Return on Assets % | 1.00 |
0.90 |
1.00 |
0.60 |
-0.30 |
-2.70 |
-0.80 |
0.20 |
0.30 |
-1.50 |
1.20 |
0.40 |
0.40 |
-7.60 |
1.20 |
1.20 |
| Return on Capital - Joel Greenblatt % | -- |
45.80 |
-- |
55.90 |
-101 |
-253 |
-19.70 |
4.50 |
18.10 |
-- |
370 |
802 |
-- |
-- |
-- |
370 |
| Debt to Equity | 0.79 |
1.05 |
0.58 |
0.82 |
0.74 |
0.92 |
1.33 |
0.85 |
0.69 |
-- |
0.46 |
0.66 |
0.65 |
0.84 |
-- |
0.46 |
| Operating Margin % | 23.10 |
23.20 |
25.20 |
15.00 |
-15.70 |
-75.40 |
-34.10 |
3.50 |
7.60 |
-42.20 |
23.80 |
11.10 |
7.10 |
-390 |
24.50 |
23.80 |
| Net Margin % | 15.80 |
15.80 |
16.80 |
10.40 |
-8.10 |
-67.20 |
-19.30 |
3.80 |
5.80 |
-38.30 |
23.80 |
7.90 |
5.30 |
-350 |
23.60 |
23.80 |
| Debt to Revenue | 1.29 |
1.79 |
0.92 |
1.27 |
2.05 |
1.95 |
2.78 |
1.56 |
1.40 |
-- |
4.63 |
5.78 |
6.39 |
12.64 |
-- |
4.63 |
| Interest Exp. to Revenue % | 73.18 |
73.47 |
76.01 |
75.11 |
78.65 |
75.70 |
75.58 |
78.07 |
83.61 |
96.41 |
75.84 |
84.35 |
94.18 |
169 |
76.38 |
75.84 |
| Asset Turnover | 0.06 |
0.06 |
0.06 |
0.06 |
0.03 |
0.04 |
0.04 |
0.05 |
0.05 |
0.04 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
0.10 |
-0.50 |
-0.90 |
0.40 |
-- | -- |
-11.60 |
-- |
-- |
-- |
| Dividend Payout Ratio | 0.64 |
0.66 |
0.45 |
0.96 |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 39.61 |
38.95 |
43.70 |
43.13 |
55.25 |
64.11 |
59.34 |
69.46 |
67.13 |
63.57 |
62.45 |
16.17 |
16.32 |
15.68 |
15.39 |
15.06 |
| Non Interest Income | 14.52 |
14.06 |
13.79 |
14.29 |
15.00 |
20.58 |
19.18 |
19.51 |
13.16 |
2.37 |
4.17 |
3.00 |
1.01 |
-6.40 |
4.76 |
4.80 |
| Revenue | 54.13 |
53.02 |
57.49 |
57.42 |
70.25 |
84.69 |
78.52 |
88.97 |
80.28 |
65.93 |
66.62 |
19.17 |
17.33 |
9.28 |
20.15 |
19.86 |
| Selling, General, &Admin. Expense | 20.64 |
21.11 |
22.18 |
23.36 |
31.89 |
37.75 |
35.43 |
37.75 |
38.04 |
42.93 |
43.67 |
9.19 |
9.37 |
9.85 |
14.51 |
9.94 |
| Credit Losses Provision | 5.22 |
3.02 |
3.22 |
5.51 |
18.95 |
25.26 |
35.75 |
21.25 |
16.79 |
35.89 |
33.43 |
3.44 |
2.36 |
28.88 |
1.21 |
0.98 |
| Other Expenses | 13.96 |
14.40 |
15.58 |
17.95 |
27.65 |
80.77 |
27.15 |
21.33 |
15.56 |
11.56 |
11.25 |
3.60 |
3.45 |
5.83 |
-1.32 |
3.29 |
| Earnings Before DDA | 14.31 |
14.50 |
16.51 |
10.59 |
-8.24 |
-59.09 |
-19.81 |
8.63 |
9.90 |
-24.45 |
-21.74 |
2.93 |
2.15 |
-35.28 |
5.76 |
5.64 |
| Depreciation, Depletion and Amortization | 1.83 |
2.19 |
2.01 |
2.01 |
2.82 |
4.74 |
6.97 |
5.50 |
3.77 |
3.41 |
3.51 |
0.80 |
0.92 |
0.87 |
0.82 |
0.91 |
| Operating Income | 12.48 |
12.31 |
14.50 |
8.58 |
-11.06 |
-63.83 |
-26.77 |
3.13 |
6.13 |
-27.85 |
-25.25 |
2.13 |
1.23 |
-36.15 |
4.94 |
4.73 |
| Net Income | 8.58 |
8.38 |
9.64 |
6.00 |
-5.66 |
-56.90 |
-15.13 |
3.38 |
4.68 |
-25.25 |
-22.03 |
1.51 |
0.92 |
-32.45 |
4.76 |
4.73 |
| Preferred dividends | -- |
-- |
-- |
-- |
-- |
0.15 |
2.92 |
2.92 |
2.92 |
2.92 |
2.92 |
0.73 |
0.73 |
0.73 |
0.73 |
0.73 |
| Earnings per Share ($) | 1.00 |
0.97 |
1.12 |
0.71 |
-0.49 |
-3.64 |
-1.15 |
0.03 |
0.11 |
-1.80 |
-1.72 |
0.05 |
0.01 |
-2.12 |
0.26 |
0.13 |
| Total Shares Outstanding | 8.59 |
8.62 |
8.59 |
8.51 |
11.49 |
15.66 |
15.66 |
16.10 |
16.57 |
15.66 |
15.66 |
16.30 |
16.47 |
15.66 |
15.66 |
15.66 |
| 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 | 38.69 |
37.52 |
46.99 |
46.49 |
58.69 |
45.82 |
44.84 |
29.08 |
53.99 |
39.79 |
30.02 |
35.55 |
61.94 |
42.74 |
39.79 |
30.02 |
| Money Market Investments | 25.89 |
14.25 |
16.36 |
6.85 |
2.17 |
42.04 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Loan | 656 |
704 |
747 |
750 |
1,460 |
1,569 |
1,427 |
1,162 |
1,179 |
1,138 |
1,146 |
1,153 |
1,143 |
1,141 |
1,138 |
1,146 |
| Securities & Investments | 121 |
129 |
128 |
147 |
369 |
289 |
325 |
325 |
338 |
380 |
398 |
395 |
389 |
387 |
380 |
398 |
| Accounts Receivable | -- |
-- |
-- |
-- |
12.03 |
9.01 |
8.31 |
7.13 |
6.53 |
5.91 |
-- | -- |
-- |
-- |
5.91 |
-- |
| Property, Plant and Equipment | 14.95 |
17.39 |
19.36 |
19.85 |
43.89 |
45.25 |
40.41 |
38.44 |
36.23 |
35.57 |
35.14 |
36.61 |
36.47 |
36.64 |
35.57 |
35.14 |
| Intangible Assets | -- |
-- |
-- |
-- |
56.65 |
5.98 |
5.25 |
4.53 |
3.80 |
3.07 |
-- | -- |
-- |
-- |
3.07 |
-- |
| Other Assets | 11.69 |
12.41 |
17.98 |
17.02 |
54.80 |
73.23 |
95.13 |
241 |
117 |
107 |
102 |
125 |
118 |
106 |
107 |
102 |
| Total Assets | 868 |
915 |
976 |
988 |
2,057 |
2,079 |
1,947 |
1,807 |
1,735 |
1,709 |
1,712 |
1,746 |
1,748 |
1,714 |
1,709 |
1,712 |
| Total Deposits | 703 |
722 |
822 |
818 |
1,628 |
1,663 |
1,499 |
1,453 |
1,419 |
1,332 |
1,353 |
1,449 |
1,449 |
1,390 |
1,332 |
1,353 |
| Accounts Payable | -- |
-- |
-- |
-- |
6.27 |
3.00 |
-- |
2.33 |
1.71 |
4.22 |
20.39 |
-- |
-- |
-- |
4.22 |
20.39 |
| Current Portion of Long-Term Debt | -- |
47.00 |
25.00 |
42.00 |
25.77 |
25.77 |
140 |
60.00 |
51.70 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Long-Term Debt | 70.00 |
48.00 |
28.00 |
31.00 |
118 |
139 |
78.47 |
78.47 |
60.77 |
-- |
92.00 |
111 |
111 |
117 |
-- |
92.00 |
| Other liabilities | 6.84 |
6.97 |
8.79 |
7.75 |
86.44 |
68.15 |
64.04 |
50.18 |
38.32 |
176 |
46.77 |
18.95 |
18.91 |
67.61 |
176 |
46.77 |
| Total Liabilities | 779 |
824 |
884 |
898 |
1,864 |
1,899 |
1,782 |
1,644 |
1,571 |
1,513 |
1,512 |
1,579 |
1,579 |
1,575 |
1,513 |
1,512 |
| Common Stock | 42.75 |
42.95 |
42.62 |
42.11 |
78.47 |
78.28 |
78.28 |
78.28 |
78.28 |
78.28 |
218 |
78.28 |
78.28 |
78.28 |
78.28 |
218 |
| Preferred Stock | -- |
-- |
-- |
-- |
-- |
52.37 |
51.19 |
51.49 |
51.79 |
108 |
52.16 |
51.86 |
51.94 |
52.01 |
108 |
52.16 |
| Retained Earnings | 35.70 |
38.59 |
42.42 |
42.67 |
28.75 |
-34.41 |
-52.48 |
-52.02 |
-48.10 |
-75.70 |
-71.70 |
-46.74 |
-46.55 |
-79.73 |
-75.70 |
-71.70 |
| Additional Paid-In Capital | 10.21 |
10.48 |
9.43 |
8.18 |
85.41 |
85.36 |
86.97 |
87.05 |
87.19 |
83.26 |
-- | 87.14 |
87.21 |
87.28 |
83.26 |
-- |
| Total Equity | 88.56 |
90.74 |
91.83 |
89.31 |
193 |
179 |
165 |
163 |
163 |
196 |
200 |
167 |
170 |
139 |
196 |
200 |
| 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 | 8.58 |
8.38 |
9.64 |
6.00 |
-5.66 |
-57.06 |
-15.13 |
3.38 |
4.68 |
-25.25 |
-22.03 |
1.51 |
0.92 |
-32.45 |
4.76 |
4.73 |
| Depreciation, Depletion and Amortization | 1.83 |
2.19 |
2.01 |
2.01 |
2.82 |
4.74 |
6.97 |
5.50 |
3.77 |
3.41 |
3.51 |
0.80 |
0.92 |
0.87 |
0.82 |
0.91 |
| Cash Flow from Others | -1.88 |
5.92 |
-0.13 |
11.10 |
21.94 |
74.22 |
23.21 |
34.06 |
92.13 |
44.61 |
48.40 |
3.93 |
6.69 |
36.18 |
-2.19 |
7.72 |
| Cash Flow from Operations | 8.53 |
16.48 |
11.52 |
19.11 |
19.10 |
21.90 |
15.04 |
42.94 |
101 |
22.77 |
29.88 |
6.25 |
8.53 |
4.60 |
3.40 |
13.36 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-1.89 |
-2.30 |
-2.25 |
-3.34 |
-3.18 |
-1.13 |
-0.64 |
-0.92 |
-0.66 |
-0.97 |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-- |
14.80 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | -25.74 |
-56.82 |
-52.75 |
-26.66 |
-45.10 |
-116 |
102 |
80.54 |
2.23 |
-26.91 |
-16.96 |
-31.85 |
18.41 |
-16.88 |
3.41 |
-21.90 |
| Net Issuance of Stock | 0.75 |
0.39 |
-1.52 |
-1.99 |
-3.33 |
0.31 |
0.02 |
0.02 |
0.04 |
0.11 |
0.11 |
-- |
0.11 |
-- |
-- |
-- |
| Net Issuance of Preferred Stock | -- |
-- |
-- |
-- |
-- |
52.37 |
-- |
-- |
-- |
52.34 |
52.34 |
-- |
-- |
-- |
52.34 |
-- |
| Net Issuance of Debt | 7.50 |
24.50 |
-41.88 |
19.29 |
-20.65 |
-1.47 |
48.74 |
-90.32 |
-41.00 |
26.30 |
5.30 |
-- |
-22.70 |
53.20 |
-4.20 |
-21.00 |
| Cash Flow for Dividends | -5.45 |
-5.49 |
-5.81 |
-5.76 |
-6.98 |
-6.11 |
-2.92 |
-2.62 |
-2.62 |
-2.62 |
-2.62 |
-0.66 |
-0.65 |
-0.65 |
-0.66 |
-0.66 |
| Other Financing | 6.02 |
19.77 |
99.90 |
-4.49 |
69.17 |
35.74 |
-164 |
-46.32 |
-34.32 |
-86.18 |
-73.58 |
7.82 |
22.70 |
-59.46 |
-57.24 |
20.42 |
| Cash Flow from Financing | 8.82 |
39.17 |
50.69 |
7.06 |
38.20 |
80.85 |
-118 |
-139 |
-77.90 |
-10.06 |
-18.45 |
7.16 |
-0.55 |
-6.92 |
-9.76 |
-1.23 |
| Net Change in Cash | -8.39 |
-1.16 |
9.46 |
-0.49 |
12.20 |
-12.87 |
-0.98 |
-15.77 |
24.92 |
-14.20 |
-5.53 |
-18.44 |
26.39 |
-19.20 |
-2.95 |
-9.77 |
| Free Cash Flow | 8.53 |
16.48 |
11.52 |
19.11 |
19.10 |
21.90 |
13.15 |
40.64 |
98.33 |
19.42 |
26.70 |
5.12 |
7.88 |
3.68 |
2.74 |
12.40 |
| 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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| Price to Tangible Book | ![]() |
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| Price-to-Free-Cash-Flow ratio | ![]() |
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| PS Ratio | ![]() |
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| EV-to-Revenue | ![]() |
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| EV-to-EBITDA | ![]() |
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| EV-to-EBIT | ![]() |
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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 |
| Market Cap | ![]() |
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| Enterprise Value | ![]() |
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| Month End Stock Price | ![]() |
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| Net Cash (per share) | ![]() |
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| Net Current Asset Value (per share) | ![]() |
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| DCF (per share) | ![]() |
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| Median PS (per share) | ![]() |
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| Peter Lynch Fair Value (per share) | ![]() |
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| Graham Number (per share) | ![]() |
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| Altman Z-Score | ![]() |
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| Piotroski F-Score | ![]() |
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