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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 6 | 2.1 | -10.1 |
| EBITDA Growth (%) | 0 | 0 | 66.7 |
| Free Cash Flow Growth (%) | 0 | 27.1 | -51.9 |
| Book Value Growth (%) | 2.6 | 2.6 | 5 |
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 ($) | 1.69 |
2.24 |
3.12 |
3.75 |
3.63 |
2.98 |
3.37 |
3.87 |
3.60 |
3.20 |
3.16 |
0.80 |
0.84 |
0.77 |
0.79 |
0.76 |
| EBITDA per Share | 0.39 |
0.67 |
1.13 |
1.12 |
0.47 |
0.05 |
-1.10 |
-1.07 |
0.04 |
1.18 |
0.87 |
0.52 |
0.29 |
0.17 |
0.21 |
0.20 |
| Free Cashflow per Share | -0.10 |
1.24 |
-0.08 |
1.46 |
0.55 |
0.67 |
0.44 |
1.08 |
1.53 |
1.19 |
0.97 |
0.41 |
0.31 |
-0.04 |
0.51 |
0.19 |
| Earnings per Share ($) | 0.21 |
0.39 |
0.66 |
0.65 |
0.24 |
-0.03 |
-1.24 |
-0.72 |
-0.02 |
0.67 |
0.49 |
0.31 |
0.17 |
0.09 |
0.11 |
0.12 |
| Book Value per Share | 6.32 |
5.53 |
6.02 |
9.39 |
8.94 |
9.20 |
7.96 |
7.23 |
7.19 |
7.85 |
7.93 |
7.55 |
7.66 |
7.76 |
7.84 |
7.93 |
| Month End Stock Price | 8.59 |
11.39 |
20.83 |
16.99 |
8.25 |
5.00 |
4.75 |
4.98 |
2.00 |
5.60 |
6.16 |
3.34 |
4.70 |
5.75 |
5.60 |
6.16 |
| 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 % | 3.30 |
7.10 |
11.00 |
6.90 |
2.70 |
-0.30 |
-15.50 |
-10.00 |
-0.30 |
8.60 |
5.60 |
16.40 |
8.80 |
4.80 |
5.60 |
5.60 |
| Return on Assets % | 0.50 |
0.60 |
0.80 |
0.70 |
0.30 |
-- |
-1.30 |
-0.80 |
-- |
0.80 |
0.40 |
1.60 |
0.80 |
0.40 |
0.40 |
0.40 |
| Return on Capital - Joel Greenblatt % | -- |
-- |
96.00 |
50.30 |
15.60 |
-3.30 |
-81.10 |
-105 |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 0.33 |
0.73 |
1.04 |
0.50 |
0.48 |
0.57 |
0.61 |
0.81 |
0.73 |
0.56 |
0.49 |
0.69 |
0.67 |
0.72 |
0.56 |
0.49 |
| Operating Margin % | 19.20 |
27.40 |
33.90 |
27.60 |
10.50 |
-2.10 |
-37.00 |
-31.00 |
-2.20 |
33.80 |
23.80 |
62.00 |
31.50 |
18.20 |
23.00 |
23.80 |
| Net Margin % | 12.40 |
17.60 |
21.20 |
17.30 |
6.70 |
-1.00 |
-36.70 |
-18.60 |
-0.70 |
21.00 |
15.00 |
38.60 |
19.80 |
11.90 |
13.50 |
15.00 |
| Debt to Revenue | 1.23 |
1.79 |
2.00 |
1.26 |
1.18 |
1.75 |
1.43 |
1.51 |
1.46 |
1.37 |
5.12 |
6.52 |
6.05 |
7.23 |
5.54 |
5.12 |
| Interest Exp. to Revenue % | 83.01 |
85.80 |
85.39 |
85.70 |
84.41 |
88.12 |
86.53 |
89.94 |
88.63 |
83.72 |
84.49 |
88.56 |
79.47 |
85.80 |
81.37 |
84.49 |
| Asset Turnover | 0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.03 |
0.04 |
0.04 |
0.04 |
0.04 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-3.60 |
-- | -7.80 |
-- |
-- |
-- |
-- |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 6.06 |
10.22 |
14.59 |
19.65 |
20.95 |
17.86 |
19.91 |
23.93 |
21.96 |
18.50 |
18.11 |
4.85 |
4.64 |
4.58 |
4.44 |
4.46 |
| Non Interest Income | 1.24 |
1.69 |
2.50 |
3.28 |
3.87 |
2.41 |
3.10 |
2.68 |
2.82 |
3.60 |
3.79 |
0.63 |
1.20 |
0.76 |
1.02 |
0.82 |
| Revenue | 7.29 |
11.91 |
17.09 |
22.92 |
24.82 |
20.27 |
23.01 |
26.61 |
24.78 |
22.10 |
21.91 |
5.47 |
5.84 |
5.33 |
5.45 |
5.28 |
| Selling, General, &Admin. Expense | 3.04 |
4.05 |
5.48 |
8.54 |
9.40 |
10.25 |
10.19 |
11.00 |
11.34 |
10.51 |
10.56 |
2.52 |
2.60 |
2.58 |
2.81 |
2.57 |
| Credit Losses Provision | 1.04 |
1.68 |
2.17 |
2.78 |
5.97 |
4.28 |
5.47 |
15.63 |
6.22 |
-2.60 |
-0.36 |
-2.14 |
-0.65 |
0.19 |
-- |
0.10 |
| Other Expenses | 1.52 |
2.61 |
3.26 |
4.73 |
6.22 |
5.42 |
14.89 |
7.31 |
6.96 |
6.03 |
5.70 |
1.52 |
1.87 |
1.42 |
1.22 |
1.19 |
| Earnings Before DDA | 1.69 |
3.57 |
6.18 |
6.88 |
3.23 |
0.32 |
-7.55 |
-7.33 |
0.26 |
8.16 |
6.01 |
3.56 |
2.01 |
1.15 |
1.43 |
1.42 |
| Depreciation, Depletion and Amortization | 0.29 |
0.31 |
0.39 |
0.55 |
0.62 |
0.75 |
0.97 |
0.91 |
0.81 |
0.70 |
0.68 |
0.17 |
0.17 |
0.18 |
0.18 |
0.16 |
| Operating Income | 1.40 |
3.27 |
5.79 |
6.33 |
2.61 |
-0.43 |
-8.52 |
-8.24 |
-0.55 |
7.46 |
5.32 |
3.39 |
1.84 |
0.97 |
1.25 |
1.26 |
| Net Income | 0.91 |
2.09 |
3.62 |
3.97 |
1.66 |
-0.19 |
-8.44 |
-4.96 |
-0.16 |
4.64 |
3.32 |
2.11 |
1.16 |
0.63 |
0.74 |
0.79 |
| Earnings per Share ($) | 0.21 |
0.39 |
0.66 |
0.65 |
0.24 |
-0.03 |
-1.24 |
-0.72 |
-0.02 |
0.67 |
0.49 |
0.31 |
0.17 |
0.09 |
0.11 |
0.12 |
| Total Shares Outstanding | 4.32 |
5.32 |
5.48 |
6.12 |
6.84 |
6.81 |
6.84 |
6.88 |
6.89 |
6.90 |
6.92 |
6.86 |
6.91 |
6.91 |
6.91 |
6.92 |
| 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 | 5.90 |
7.29 |
11.74 |
13.71 |
12.22 |
21.89 |
22.26 |
28.72 |
77.10 |
111 |
107 |
81.41 |
75.32 |
97.83 |
111 |
107 |
| Money Market Investments | 16.55 |
25.84 |
45.89 |
20.54 |
27.07 |
9.96 |
6.68 |
7.18 |
-- |
3.03 |
3.03 |
-- |
-- |
-- |
3.03 |
3.03 |
| Net Loan | 150 |
259 |
322 |
422 |
438 |
452 |
471 |
460 |
408 |
360 |
353 |
392 |
382 |
378 |
360 |
353 |
| Securities & Investments | 12.69 |
24.88 |
41.60 |
63.97 |
76.51 |
82.93 |
97.26 |
90.98 |
68.93 |
82.60 |
75.65 |
74.02 |
72.88 |
68.48 |
82.60 |
75.65 |
| Accounts Receivable | 0.79 |
1.35 |
2.07 |
3.22 |
3.18 |
2.52 |
2.59 |
2.49 |
2.00 |
1.64 |
1.56 |
1.80 |
1.63 |
1.91 |
1.64 |
1.56 |
| Property, Plant and Equipment | 3.29 |
4.80 |
6.02 |
9.86 |
12.04 |
11.88 |
12.19 |
12.93 |
11.24 |
10.94 |
10.88 |
11.18 |
11.10 |
11.04 |
10.94 |
10.88 |
| Intangible Assets | -- |
-- |
-- |
9.99 |
9.83 |
9.68 |
0.85 |
0.70 |
0.55 |
0.30 |
0.27 |
0.52 |
0.36 |
0.33 |
0.30 |
0.27 |
| Other Assets | 3.03 |
5.00 |
7.49 |
9.68 |
11.71 |
15.14 |
17.77 |
23.43 |
22.24 |
16.38 |
15.84 |
20.34 |
20.51 |
20.73 |
16.38 |
15.84 |
| Total Assets | 192 |
328 |
436 |
553 |
591 |
606 |
630 |
627 |
590 |
585 |
568 |
581 |
564 |
578 |
585 |
568 |
| Total Deposits | 152 |
270 |
367 |
464 |
498 |
505 |
540 |
535 |
501 |
499 |
483 |
490 |
471 |
481 |
499 |
483 |
| Accounts Payable | 0.16 |
0.26 |
0.49 |
0.89 |
0.84 |
0.58 |
0.35 |
0.40 |
0.33 |
2.50 |
2.66 |
0.31 |
0.28 |
0.29 |
2.50 |
2.66 |
| Current Portion of Long-Term Debt | -- |
-- |
11.74 |
16.44 |
16.97 |
23.18 |
20.56 |
23.67 |
21.88 |
17.85 |
14.66 |
23.30 |
22.95 |
26.20 |
17.85 |
14.66 |
| Long-Term Debt | 9.00 |
21.37 |
22.37 |
12.37 |
12.37 |
12.37 |
12.37 |
16.37 |
14.37 |
12.37 |
12.37 |
12.37 |
12.37 |
12.37 |
12.37 |
12.37 |
| Other liabilities | 3.42 |
7.00 |
1.79 |
1.71 |
1.55 |
1.86 |
2.46 |
2.17 |
2.15 |
-0.00 |
0.00 |
3.27 |
3.94 |
3.98 |
-0.00 |
0.00 |
| Total Liabilities | 165 |
299 |
403 |
496 |
530 |
543 |
576 |
577 |
540 |
531 |
513 |
529 |
511 |
524 |
531 |
513 |
| Common Stock | 2.54 |
2.81 |
4.24 |
6.50 |
6.73 |
6.83 |
6.84 |
6.91 |
6.86 |
6.91 |
6.92 |
6.91 |
6.91 |
6.91 |
6.91 |
6.92 |
| Retained Earnings | 2.10 |
4.19 |
7.82 |
11.79 |
13.58 |
13.11 |
4.67 |
-0.29 |
-0.45 |
4.19 |
4.98 |
1.66 |
2.82 |
3.45 |
4.19 |
4.98 |
| Additional Paid-In Capital | 22.48 |
22.39 |
21.20 |
39.18 |
40.65 |
41.28 |
41.47 |
41.89 |
41.85 |
42.00 |
42.02 |
41.98 |
41.99 |
41.99 |
42.00 |
42.02 |
| Total Equity | 27.27 |
29.44 |
32.97 |
57.44 |
61.17 |
62.66 |
54.41 |
49.69 |
49.55 |
54.18 |
54.84 |
51.78 |
52.95 |
53.67 |
54.18 |
54.84 |
| 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 | 0.91 |
2.09 |
3.62 |
3.97 |
1.66 |
-0.19 |
-8.44 |
-4.96 |
-0.16 |
4.64 |
3.32 |
2.11 |
1.16 |
0.63 |
0.74 |
0.79 |
| Depreciation, Depletion and Amortization | 0.29 |
0.31 |
0.39 |
0.55 |
0.62 |
0.75 |
0.97 |
0.91 |
0.81 |
0.70 |
0.68 |
0.17 |
0.17 |
0.18 |
0.18 |
0.16 |
| Cash Flow from Others | -1.62 |
4.19 |
-4.44 |
4.40 |
1.45 |
4.55 |
11.54 |
12.90 |
9.94 |
3.12 |
2.93 |
0.60 |
0.84 |
-0.99 |
2.67 |
0.42 |
| Cash Flow from Operations | -0.42 |
6.59 |
-0.43 |
8.93 |
3.73 |
5.11 |
4.07 |
8.85 |
10.59 |
8.45 |
6.93 |
2.88 |
2.17 |
-0.18 |
3.58 |
1.37 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-0.56 |
-1.06 |
-1.43 |
-0.03 |
-0.23 |
-0.24 |
-0.06 |
-0.05 |
-0.08 |
-0.05 |
-0.07 |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-1.86 |
-- |
-- |
-- |
-- |
-- |
-12.62 |
-14.03 |
-- |
-- |
-- |
-14.03 |
-- |
| Cash Flow from Investing | -53.53 |
-130 |
-79.45 |
-88.71 |
-34.36 |
-25.20 |
-35.14 |
-3.67 |
67.62 |
22.32 |
23.09 |
13.25 |
-3.71 |
9.32 |
3.47 |
14.02 |
| Net Issuance of Stock | 9.09 |
0.18 |
0.24 |
20.03 |
1.17 |
-- |
-- |
-- |
-- |
0.17 |
-- | 0.17 |
-- |
-- |
-- |
-- |
| Net Issuance of Debt | 9.58 |
15.34 |
7.06 |
-5.30 |
0.53 |
6.21 |
-2.61 |
7.10 |
-3.79 |
-6.03 |
-8.64 |
-0.58 |
-0.35 |
3.24 |
-8.35 |
-3.19 |
| Other Financing | 46.49 |
118 |
96.77 |
41.40 |
34.30 |
7.54 |
35.18 |
-5.32 |
-33.22 |
11.60 |
7.45 |
-11.41 |
-4.20 |
10.14 |
17.08 |
-15.56 |
| Cash Flow from Financing | 65.16 |
134 |
104 |
56.13 |
36.00 |
13.75 |
32.57 |
1.79 |
-37.01 |
5.74 |
-1.19 |
-11.82 |
-4.55 |
13.38 |
8.73 |
-18.75 |
| Net Change in Cash | 11.21 |
10.29 |
24.19 |
-23.66 |
5.37 |
-6.34 |
1.49 |
6.97 |
41.19 |
36.51 |
28.83 |
4.31 |
-6.09 |
22.51 |
15.78 |
-3.37 |
| Free Cash Flow | -0.42 |
6.59 |
-0.43 |
8.93 |
3.73 |
4.55 |
3.00 |
7.42 |
10.55 |
8.22 |
6.69 |
2.82 |
2.12 |
-0.26 |
3.53 |
1.30 |
| 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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