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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 4.3 
EBITDA Growth (%) 33.3 
Free Cash Flow Growth (%) -16.5 
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.
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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
Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
--
--
--
4.80
5.03
5.28
5.39
1.30
1.27
1.41
1.30
1.41
EBITDA per Share
--
--
--
0.62
0.99
1.20
1.36
0.20
0.32
0.42
0.26
0.36
Free Cashflow per Share
--
--
--
1.91
1.43
0.91
1.37
0.48
0.41
0.21
-0.19
0.94
Earnings per Share ($)
--
--
--
0.14
0.37
0.55
0.65
0.08
0.14
0.22
0.11
0.18
Book Value per Share
--
--
--
18.10
18.60
19.76
19.57
19.37
19.44
19.65
19.64
19.57
Month End Stock Price
--
--
--
13.55
15.70
23.13
25.28
19.36
21.43
22.73
23.13
25.28
RatiosAnnualsQuarterly
Fiscal Period
Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
-2.40
0.70
0.70
0.80
2.00
2.80
3.60
1.60
2.80
4.40
2.40
3.60
Return on Assets %
-0.20
0.10
0.10
0.10
0.30
0.50
0.80
0.40
0.40
0.80
0.40
0.80
Return on Capital - Joel Greenblatt %
-9.60
10.70
--
8.40
24.40
44.50
47.20
16.40
35.20
312
38.40
47.20
Debt to Equity
1.77
1.90
1.37
0.50
1.32
1.01
1.13
1.26
1.26
1.27
1.01
1.13
   
Operating Margin %
-7.70
3.00
3.10
3.70
10.80
15.60
20.30
8.80
16.00
23.40
13.60
20.30
Net Margin %
-5.10
1.40
1.30
3.10
7.40
10.40
13.00
6.00
10.90
15.60
8.50
13.00
   
Debt to Revenue
3.67
3.67
2.46
1.88
4.86
3.77
15.63
18.72
19.23
17.70
15.24
15.63
Interest Exp. to Revenue %
58.95
64.85
67.40
73.98
75.59
71.28
60.52
74.12
74.76
67.97
68.66
60.52
   
Asset Turnover
0.04
0.04
0.05
0.05
0.04
0.04
0.01
0.01
0.01
0.01
0.01
0.01
Buyback Ratio
--
--
--
-6,397
--
--
--
--
--
--
--
--
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
25.23
30.02
34.04
38.94
40.71
39.18
38.19
9.98
9.90
9.98
9.33
8.98
Non Interest Income
17.57
16.27
16.46
13.70
13.15
15.79
18.16
3.48
3.34
4.70
4.26
5.86
Revenue
42.80
46.29
50.50
52.64
53.86
54.97
56.35
13.46
13.24
14.69
13.58
14.85
   
Selling, General, &Admin. Expense
21.91
19.70
24.69
24.34
30.09
27.49
27.14
7.67
7.64
7.57
4.61
7.32
Credit Losses Provision
3.65
3.83
5.20
6.70
3.23
1.95
1.05
1.40
--
0.55
--
0.50
Other Expenses
15.59
16.29
13.75
14.85
9.97
13.04
13.93
2.31
2.31
2.15
6.27
3.20
Earnings Before DDA
1.65
6.47
6.86
6.76
10.58
12.49
14.24
2.08
3.29
4.41
2.71
3.83
   
Depreciation, Depletion and Amortization
4.94
5.08
5.31
4.81
4.77
3.91
3.82
0.90
1.18
0.98
0.86
0.81
   
Operating Income
-3.29
1.39
1.55
1.94
5.81
8.58
10.41
1.18
2.11
3.43
1.85
3.02
Net Income
-2.17
0.64
0.66
1.66
3.97
5.70
6.83
0.80
1.44
2.30
1.16
1.93
   
Earnings per Share ($)
--
--
--
0.14
0.37
0.55
0.65
0.08
0.14
0.22
0.11
0.18
Total Shares Outstanding
--
--
--
10.97
10.70
10.40
10.53
10.35
10.39
10.42
10.47
10.53
Balance SheetAnnuals (USD $) View: Quarterly
Fiscal Period
Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Cash and cash equivalents
19.04
41.24
140
24.60
21.16
23.85
17.01
15.64
19.67
38.91
23.85
17.01
Money Market Investments
--
--
--
--
--
8.00
--
--
--
--
8.00
--
Net Loan
707
716
698
661
686
744
743
712
748
736
744
743
Securities & Investments
245
230
214
321
530
397
415
529
483
416
397
415
Accounts Receivable
3.88
3.92
3.52
3.47
4.00
3.34
3.37
3.87
3.65
3.44
3.34
3.37
Property, Plant and Equipment
53.19
54.18
50.95
47.67
44.94
43.13
42.64
44.45
43.70
43.31
43.13
42.64
Intangible Assets
--
--
--
1.24
1.06
1.01
1.21
1.09
0.86
0.86
1.01
1.21
Other Assets
22.98
22.34
26.67
49.29
49.70
37.14
54.92
59.92
45.56
44.27
37.14
54.92
Total Assets
1,051
1,068
1,134
1,108
1,337
1,257
1,277
1,366
1,344
1,282
1,257
1,277
   
Total Deposits
730
740
910
801
808
816
827
832
814
805
816
827
Accounts Payable
9.35
10.18
8.41
9.63
10.06
9.47
9.76
10.59
11.03
12.67
9.47
9.76
Current Portion of Long-Term Debt
--
--
--
--
--
--
--
--
--
--
--
--
Long-Term Debt
157
170
124
99.00
262
207
232
252
255
260
207
232
Other liabilities
66.16
58.66
-0.00
0.00
58.00
19.00
2.00
71.20
62.50
-0.00
19.00
2.00
Total Liabilities
962
979
1,043
910
1,138
1,052
1,070
1,166
1,142
1,077
1,052
1,070
   
Common Stock
--
--
--
0.12
0.11
0.11
0.11
0.11
0.11
0.11
0.11
0.11
Retained Earnings
89.26
89.90
90.56
92.21
96.18
102
104
96.98
98.42
101
102
104
Additional Paid-In Capital
--
--
--
115
106
107
107
106
106
106
107
107
Total Equity
88.72
89.33
91.16
199
199
206
206
201
202
205
206
206
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Income
-2.17
0.64
0.66
1.66
3.97
5.70
6.83
0.80
1.44
2.30
1.16
1.93
Depreciation, Depletion and Amortization
4.94
5.08
5.31
4.81
4.77
3.91
3.82
0.90
1.18
0.98
0.86
0.81
Cash Flow from Others
4.55
3.11
-7.25
16.06
8.10
1.56
5.70
3.69
1.79
-0.57
-3.35
7.83
Cash Flow from Operations
7.32
8.83
-1.28
22.53
16.83
11.17
16.35
5.39
4.40
2.71
-1.33
10.58
   
Investment for Property, Plant & Equipement
-3.44
-6.12
-2.10
-1.53
-1.55
-1.67
-2.00
-0.37
-0.12
-0.49
-0.69
-0.70
Cash Flow from Investing
-75.33
-2.09
34.22
-110
-237
77.56
79.95
-38.24
23.94
83.26
8.60
-35.84
   
Net Issuance of Stock
--
--
--
106
-10.33
-0.89
-0.87
-0.03
-0.87
--
-0.00
-0.00
Net Issuance of Debt
24.99
-7.49
-0.66
--
221
-44.00
-39.20
3.20
-6.20
-57.00
16.00
8.00
Other Financing
-36.26
22.95
66.62
-134
6.48
-41.13
-54.87
24.16
-17.25
-9.72
-38.32
10.42
Cash Flow from Financing
-11.27
15.46
65.96
-28.20
217
-86.03
-94.94
27.33
-24.32
-66.72
-22.32
18.42
   
Net Change in Cash
-79.28
22.21
98.90
-116
-3.44
2.70
1.36
-5.52
4.03
19.24
-15.06
-6.85
   
Free Cash Flow
3.87
2.71
-3.37
21.00
15.29
9.50
14.35
5.02
4.28
2.22
-2.02
9.88
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
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Valuation and QualityAnnualsQuarterly
Fiscal Period
Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
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