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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) -23  -23.5  20.8 
EBITDA Growth (%) -25.3 
Free Cash Flow Growth (%) -17.2  -5.6  1.4 
Book Value Growth (%) 4.8 

*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
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Mar12 Mar13 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
20.32
23.50
29.31
33.79
28.68
13.57
5.87
3.56
3.73
4.46
4.48
1.03
1.13
1.06
1.13
1.16
EBITDA per Share
11.49
15.21
19.05
21.57
-4.64
-25.38
-2.43
0.61
0.76
0.58
0.56
0.24
-0.59
0.29
0.35
0.51
Free Cashflow per Share
7.03
7.20
13.17
8.17
13.77
1.66
6.77
1.93
2.18
2.19
2.20
0.43
0.62
0.57
0.37
0.64
Earnings per Share ($)
6.40
8.27
11.05
12.50
-2.55
-31.50
-6.20
0.93
2.53
0.46
0.45
1.62
-0.43
0.21
0.37
0.30
Dividends Per Share
--
--
2.67
3.40
1.50
0.40
--
--
--
--
--
--
--
--
--
--
Book Value per Share
44.09
60.77
69.13
72.28
70.08
27.24
20.69
12.16
--
--
14.44
13.78
13.56
13.73
14.16
14.44
Month End Stock Price
--
148
200
130
30.00
9.00
8.80
7.45
11.78
15.78
15.78
11.78
13.36
14.18
14.20
15.78
RatiosAnnualsQuarterly
Fiscal Period
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Mar12 Mar13 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
14.50
13.60
16.00
17.30
-3.60
-85.00
-11.90
7.70
--
--
8.40
47.60
-12.80
6.40
10.40
8.40
Return on Assets %
1.20
1.50
1.70
1.70
-0.30
-5.60
-1.30
0.90
--
--
1.20
6.40
-1.60
0.80
1.20
1.20
Debt to Equity
0.20
0.16
0.14
0.73
0.42
0.57
0.18
0.16
--
--
--
--
--
--
--
--
   
Operating Margin %
52.30
58.90
64.50
63.10
-17.60
-190
-43.70
15.50
18.80
11.80
43.00
21.70
-53.20
26.10
30.10
43.00
Net Margin %
31.50
35.10
37.70
37.00
-8.90
-171
-41.90
26.40
68.60
10.40
26.00
160
-38.20
20.20
32.90
26.00
   
Debt to Revenue
0.42
0.42
0.32
1.55
1.03
1.15
0.65
0.56
--
--
--
--
--
--
--
--
Interest Exp. to Revenue %
88.14
91.92
95.11
95.68
91.22
84.78
93.00
93.97
--
--
94.47
95.46
89.97
95.24
95.00
94.47
   
Asset Turnover
0.04
0.04
0.05
0.05
0.04
0.03
0.03
0.04
--
--
0.01
0.01
0.01
0.01
0.01
0.01
Buyback Ratio
--
--
--
--
--
23.30
417
--
--
--
--
--
--
--
0.10
--
Dividend Payout Ratio
--
--
0.24
0.27
--
--
--
--
--
--
--
--
--
--
--
--
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Mar12 Mar13 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
31.20
44.02
58.84
68.41
51.33
36.06
37.27
43.49
45.88
55.42
55.42
12.99
13.23
13.34
14.20
14.66
Non Interest Income
4.20
3.87
3.03
3.09
4.94
6.48
2.81
2.79
2.66
3.75
3.75
0.62
1.48
0.67
0.75
0.86
Revenue
35.40
47.89
61.87
71.50
56.27
42.54
40.07
46.28
48.53
59.17
59.17
13.61
14.70
14.00
14.95
15.52
   
Selling, General, &Admin. Expense
9.99
10.70
12.67
12.28
10.25
9.08
10.96
12.55
13.08
14.87
14.87
3.78
2.91
3.58
3.70
4.68
Credit Losses Provision
1.55
2.11
1.96
4.90
30.56
71.25
16.55
5.70
7.50
18.00
18.00
1.80
14.50
1.20
2.30
--
Other Expenses
3.84
4.09
7.04
8.68
24.56
41.76
29.18
20.10
18.12
18.64
18.65
4.92
4.96
5.40
4.29
4.00
Earnings Before DDA
20.01
31.00
40.20
45.64
-9.11
-79.55
-16.62
7.92
9.83
7.66
7.66
3.12
-7.66
3.82
4.66
6.84
   
Depreciation, Depletion and Amortization
1.51
2.79
0.32
0.50
0.78
1.11
0.90
0.74
0.71
0.65
0.65
0.16
0.17
0.16
0.16
0.16
   
Operating Income
18.51
28.21
39.89
45.14
-9.89
-80.66
-17.51
7.19
9.12
7.01
7.01
2.96
-7.83
3.66
4.50
6.68
Net Income
11.15
16.83
23.35
26.47
-5.01
-72.54
-16.81
12.23
33.27
6.16
6.16
21.74
-5.61
2.83
4.92
4.03
   
Preferred dividends
--
--
--
--
--
--
25.60
--
--
--
--
--
--
--
--
--
Earnings per Share ($)
6.40
8.27
11.05
12.50
-2.55
-31.50
-6.20
0.93
2.53
0.46
0.45
1.62
-0.43
0.21
0.37
0.30
Total Shares Outstanding
1.74
2.04
2.11
2.12
1.96
3.13
6.83
13.00
13.01
13.27
13.32
13.22
13.05
13.26
13.27
13.32
Balance SheetAnnuals (USD $) View: Quarterly
Fiscal Period
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Mar12 Mar13 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Cash and cash equivalents
35.21
25.12
26.88
22.80
19.39
14.07
108
142
--
--
159
149
192
176
152
159
Money Market Investments
73.00
158
104
4.70
50.20
54.00
--
--
--
--
--
--
10.00
10.00
--
--
Net Loan
607
761
985
1,218
1,204
1,001
883
929
--
--
1,150
969
985
1,051
1,109
1,150
Securities & Investments
165
163
199
245
104
114
183
169
--
--
206
162
143
161
212
206
Accounts Receivable
8.06
5.53
8.63
10.17
7.81
5.58
9.01
4.85
--
--
5.32
4.91
5.90
5.82
6.19
5.32
Property, Plant and Equipment
1.37
1.84
1.71
4.72
7.16
6.33
5.42
4.79
--
--
4.52
4.63
4.59
4.48
4.38
4.52
Other Assets
18.15
22.33
23.91
37.43
90.14
111
67.37
59.72
--
--
63.38
76.24
79.12
75.49
71.49
63.38
Total Assets
907
1,137
1,349
1,543
1,483
1,307
1,256
1,310
--
--
1,588
1,366
1,420
1,484
1,555
1,588
   
Total Deposits
802
975
1,161
1,253
1,257
1,160
1,081
1,118
--
--
1,384
1,176
1,236
1,292
1,358
1,384
Accounts Payable
--
3.07
5.27
5.49
5.45
2.95
1.72
1.29
--
--
0.96
1.02
1.12
0.98
0.97
0.96
Current Portion of Long-Term Debt
10.00
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Long-Term Debt
5.00
20.00
20.00
111
58.00
49.00
26.00
26.00
--
--
--
--
--
--
--
--
Other liabilities
13.93
14.34
16.29
20.06
24.97
9.05
5.55
6.51
--
--
10.51
6.45
5.74
9.32
8.52
10.51
Total Liabilities
830
1,013
1,203
1,390
1,346
1,221
1,115
1,152
--
--
1,395
1,184
1,243
1,302
1,367
1,395
   
Common Stock
32.14
67.68
69.66
--
--
--
--
--
--
--
--
--
--
--
--
--
Retained Earnings
44.59
57.31
75.22
94.60
85.00
13.27
-18.77
-6.39
--
--
21.51
15.35
9.74
12.57
17.48
21.51
Additional Paid-In Capital
--
--
1.50
74.81
76.59
95.33
185
186
--
--
188
187
187
187
187
188
Treasury Stock
--
--
--
-14.98
-19.12
-19.12
-19.12
-19.12
--
--
-19.12
-19.12
-19.12
-19.12
-19.12
-19.12
Total Equity
76.81
124
146
153
137
85.37
141
158
--
--
192
182
177
182
188
192
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Mar12 Mar13 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Income
11.15
16.83
23.35
26.47
-5.01
-72.54
-16.81
12.23
33.27
6.16
6.16
21.74
-5.61
2.83
4.92
4.03
Depreciation, Depletion and Amortization
1.51
2.79
0.32
0.50
0.78
1.11
0.90
0.74
0.71
0.65
0.65
0.16
0.17
0.16
0.16
0.16
Cash Flow from Others
-0.41
-4.94
4.13
-9.68
34.46
76.92
62.17
12.18
-5.48
22.77
22.77
-16.20
13.63
4.64
-0.13
4.63
Cash Flow from Operations
12.25
14.68
27.79
17.29
30.23
5.50
46.26
25.15
28.50
29.58
29.58
5.70
8.18
7.63
4.95
8.83
   
Investment for Property, Plant & Equipement
--
--
--
--
-3.22
-0.28
-0.01
-0.11
-0.10
-0.53
-0.53
-0.01
-0.12
-0.05
-0.07
-0.30
Cash Flow from Investing
-123
-151
-261
-288
73.91
82.76
26.01
-27.61
-93.85
-228
-228
-30.99
-15.42
-79.95
-104
-28.74
   
Net Issuance of Stock
1.13
35.54
2.22
-12.77
-4.14
16.93
70.04
--
0.00
--
-0.00
0.00
--
--
-0.00
--
Net Issuance of Debt
--
6.50
-1.50
91.00
-53.00
-9.00
-23.00
--
-26.00
--
--
-26.00
--
--
--
--
Cash Flow for Dividends
-3.32
-4.11
-5.44
-7.09
-4.59
-0.78
--
--
--
--
--
--
--
--
--
--
Other Financing
139
174
185
92.03
4.37
-96.91
-79.15
36.69
161
208
208
58.23
59.73
56.03
65.63
26.58
Cash Flow from Financing
137
212
181
163
-57.36
-89.77
-32.10
36.69
135
208
208
32.23
59.73
56.03
65.63
26.58
   
Net Change in Cash
26.25
75.21
-52.85
-108
46.78
-1.52
40.16
34.23
69.94
9.24
9.24
6.95
52.50
-16.30
-33.62
6.66
   
Free Cash Flow
12.25
14.68
27.79
17.29
27.01
5.21
46.24
25.04
28.40
29.05
29.05
5.70
8.07
7.57
4.88
8.53
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Mar12 Mar13 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
Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Mar12 Mar13 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
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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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