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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | -23 | -23.5 | 20.8 |
| EBITDA Growth (%) | 0 | 0 | -25.3 |
| Free Cash Flow Growth (%) | -17.2 | -5.6 | 1.4 |
| Book Value Growth (%) | 0 | 0 | 4.8 |
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 |
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 |
| Ratios | Annuals | Quarterly | ||||||||||||||
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 Statement | Annuals (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 Sheet | Annuals (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 Statement | Annuals (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) | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Mar12 | Mar13 | 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 |
Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Mar12 | Mar13 | 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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| Graham Number (per share) | ![]() |
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| Altman Z-Score | ![]() |
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| Piotroski F-Score | ![]() |
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