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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 6.7  35.4  51.7 
EBITDA Growth (%) 10.3  64.5 
Free Cash Flow Growth (%) 21  -75.4 
Book Value Growth (%) 4.6  18.9  13.1 

*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.
   Trendline:
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 DataAnnualsSemi-Annual
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Dec10 Jun11 Dec11 Jun12 Dec12
   
Revenue per Share ($)
25.72
31.85
52.65
45.06
40.52
12.58
58.28
57.20
43.59
66.08
66.06
36.69
25.78
17.80
28.50
37.56
EBITDA per Share
0.56
0.35
--
2.60
1.46
2.54
1.89
2.49
2.30
3.80
3.80
1.76
1.50
0.80
1.55
2.25
Free Cashflow per Share
7.84
10.30
-0.46
2.33
0.83
1.11
0.02
2.23
1.93
0.37
0.53
0.71
2.63
-0.56
0.22
0.31
Earnings per Share ($)
1.01
0.13
0.96
1.10
1.26
-0.48
0.82
1.72
1.78
2.62
2.62
1.18
1.03
0.75
1.14
1.48
Dividends Per Share
0.68
0.48
0.48
0.50
0.52
0.55
0.61
0.60
0.75
0.77
0.77
0.20
0.52
0.23
0.51
0.26
Book Value per Share
7.94
8.49
6.87
7.05
7.77
6.20
7.60
9.64
10.89
12.34
12.31
9.63
10.15
10.89
11.09
12.31
Month End Stock Price
17.05
17.40
19.10
27.73
28.64
12.65
20.39
20.86
19.74
28.55
28.55
20.86
23.13
19.74
23.20
28.55
RatiosAnnualsSemi-Annual
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Dec10 Jun11 Dec11 Jun12 Dec12
   
Return on Equity %
12.70
1.50
14.20
15.60
16.30
-7.80
10.80
17.80
16.30
21.20
24.00
24.60
20.20
13.80
20.40
24.00
Return on Assets %
0.40
0.10
0.40
0.40
0.50
-0.20
0.30
0.50
0.50
0.70
0.80
0.80
0.60
0.40
0.60
0.80
Debt to Equity
2.36
2.35
0.08
1.86
1.04
1.53
1.44
0.82
1.04
0.25
0.25
0.82
1.29
1.04
1.01
0.25
   
Operating Margin %
--
--
--
5.80
3.60
20.20
3.30
4.30
5.30
5.70
6.00
4.80
5.80
4.50
5.40
6.00
Net Margin %
3.90
0.40
1.80
2.40
3.10
-3.90
1.40
3.00
4.10
4.00
3.90
3.20
4.00
4.20
4.00
3.90
   
Debt to Revenue
0.73
0.63
0.01
0.29
0.20
0.75
0.19
0.14
0.26
0.05
0.08
0.21
0.51
0.64
0.39
0.08
Interest Exp. to Revenue %
--
--
-0.51
17.82
17.26
-1.68
-0.44
-0.54
-0.78
-0.51
-0.44
-0.42
-0.65
-0.98
-0.59
-0.44
   
Asset Turnover
0.11
0.13
0.20
0.17
0.15
0.05
0.21
0.18
0.13
0.18
0.10
0.12
0.08
0.05
0.08
0.10
Buyback Ratio
-3.00
-827
-1.70
-0.50
-0.30
--
--
--
--
--
--
--
--
--
--
--
Dividend Payout Ratio
0.44
2.45
0.33
0.30
0.27
--
0.49
0.23
0.28
0.20
0.12
0.11
0.34
0.20
0.30
0.12
Income StatementAnnuals (USD $) View: Semi-Annual
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Dec10 Jun11 Dec11 Jun12 Dec12
   
Total Premiums Earned
6,859
10,282
22,770
24,221
27,558
28,468
30,267
36,683
38,298
44,552
44,552
19,629
19,591
18,708
21,380
23,171
Net Investment Income
17,791
20,224
36,383
--
--
-45,761
40,741
32,983
14,182
36,441
36,441
25,367
11,742
2,439
13,276
23,165
Fees and Other Income
1,032
3,191
3,158
30,241
22,239
32,848
1,870
2,524
2,832
3,062
3,062
1,382
1,398
1,433
1,527
1,535
Revenue
25,682
33,697
62,311
54,462
49,797
15,556
72,877
72,191
55,312
84,055
84,055
46,377
32,732
22,580
36,183
47,871
   
Selling, General, &Admin. Expense
--
--
--
--
--
15,811
62,818
62,406
--
--
--
--
--
--
--
--
Policyholder Benefits & Claims
9,929
16,545
100,407
43,094
40,781
--
--
61,391
44,377
69,626
30,076
--
26,652
--
30,076
--
Policy Acquisition Expense
--
--
8,412
7,944
6,853
3,726
6,927
7,271
7,583
9,174
9,174
3,250
3,962
3,621
3,927
5,247
Earnings Before DDA
556
365
--
3,138
1,795
3,142
2,370
3,139
2,918
4,830
4,830
2,224
1,906
1,012
1,968
2,862
   
Depreciation, Depletion and Amortization
556
365
--
--
--
--
--
--
--
--
--
--
--
--
--
--
   
Operating Income
--
--
--
3,138
1,795
3,142
2,370
3,139
2,918
4,830
4,830
2,224
1,906
1,012
1,968
2,862
Net Income
1,008
138
1,152
1,326
1,553
-600
1,026
2,168
2,258
3,329
3,329
1,498
1,305
953
1,442
1,886
   
Earnings per Share ($)
1.01
0.13
0.96
1.10
1.26
-0.48
0.82
1.72
1.78
2.62
2.62
1.18
1.03
0.75
1.14
1.48
Total Shares Outstanding
998
1,058
1,184
1,209
1,229
1,237
1,251
1,262
1,269
1,272
1,275
1,264
1,270
1,269
1,270
1,275
Balance SheetAnnuals (USD $) View: Semi-Annual
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Dec10 Jun11 Dec11 Jun12 Dec12
   
Fixed Maturity Investment
98,608
115,112
124,956
--
--
--
--
176,291
--
212,277
212,277
176,291
--
--
--
212,277
Equity Investments
45,370
73,359
109,068
119,533
130,541
94,124
105,082
131,265
132,347
151,452
151,452
131,265
137,935
132,347
137,185
151,452
Short-term investments
9,803
16,424
5,877
--
--
144,279
154,168
176,291
188,633
--
--
176,291
177,595
188,633
194,347
--
Net Loan
11,754
12,134
13,245
93,362
7,902
10,491
8,754
9,261
9,714
11,821
17,911
14,032
13,662
14,718
15,123
17,911
Cash and cash equivalents
1,727
3,086
5,433
7,683
7,502
9,023
8,041
10,047
10,995
9,673
9,673
10,047
13,014
10,995
10,208
9,673
Accounts Receivable
--
--
350
612
432
995
964
841
827
385
385
841
582
827
467
385
Deferred Policy Acquisition Costs
6,586
6,709
--
46.97
28.79
1,879
1,798
2,036
2,495
10,392
10,392
2,036
2,021
2,495
2,580
10,392
Property, Plant and Equipment
16,829
18,712
1,379
1,717
1,533
962
556
927
1,133
1,159
1,159
927
1,153
1,133
1,209
1,159
Intangible Assets
4,026
4,538
6,648
7,120
6,648
10,591
8,468
9,623
10,305
9,079
9,079
9,623
9,855
10,305
9,185
9,079
Total Assets
243,402
263,724
314,208
328,061
332,945
326,579
345,082
395,161
414,515
470,080
470,080
395,161
408,282
414,515
428,220
470,080
   
Unpaid Loss & Loss Reserve
136,829
185,473
258,094
--
--
228,077
244,724
259,532
273,277
316,036
316,036
259,532
--
273,277
--
316,036
Future Policy Benefits
19,088
25,246
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Policyholder Funds
--
--
258,629
270,788
287,943
12,748
15,180
15,535
13,962
16,044
16,044
15,535
16,473
13,962
373,062
16,044
Current Portion of Long-Term Debt
--
--
--
--
--
2,267
2,442
5,823
3,855
--
--
5,823
6,120
3,855
4,529
--
Other liabilities
60,877
22,915
-212,788
27,045
20,248
59,241
53,370
90,326
90,152
111,711
111,711
90,326
353,771
90,152
19,008
111,711
Long-Term Debt
18,676
21,111
685
15,830
9,939
9,459
11,256
4,118
10,552
3,905
3,905
4,118
10,470
10,552
9,692
3,905
Total Liabilities
235,470
254,744
306,077
319,545
323,395
318,915
335,580
382,992
400,702
454,385
454,385
382,992
395,402
400,702
414,141
454,385
   
Common Stock
152
180
180
185
186
--
--
--
--
--
--
--
--
--
--
--
Retained Earnings
6,927
6,574
5,320
5,519
6,709
5,461
6,006
7,548
8,847
10,380
10,380
7,548
--
8,847
--
10,380
Additional Paid-In Capital
968
2,667
2,370
2,761
2,762
--
--
2,812
2,838
2,862
2,862
2,812
--
2,838
--
2,862
Treasury Stock
-42.42
-95.45
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Total Equity
7,932
8,980
8,130
8,515
9,550
7,664
9,502
12,168
13,814
15,695
15,695
12,168
12,880
13,814
14,079
15,695
Cashflow StatementAnnuals (USD $) View: Semi-Annual
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Dec10 Jun11 Dec11 Jun12 Dec12
   
Net Income
1,008
138
3,257
3,140
2,126
--
--
--
--
--
--
--
--
--
--
--
Depreciation, Depletion and Amortization
556
365
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Cash Flow from Others
6,361
10,471
-3,558
207
-402
1,733
164
2,952
2,633
676
676
1,002
3,341
-708
285
391
Cash Flow from Operations
7,924
10,974
-302
3,347
1,724
1,733
164
2,952
2,633
676
676
1,002
3,341
-708
285
391
   
Investment for Property, Plant & Equipement
-98.48
-74.24
-242
-527
-700
-364
-138
-141
-188
-211
--
-108
--
--
--
--
Cash Flow from Acquisitions
--
--
382
57.29
-830
--
-783
-220
-80.30
-339
-339
-66.67
-62.12
-18.18
--
-339
Cash Flow from Investing
-6,276
-11,415
45.45
-155
-1,089
-347
-839
-355
-253
-494
-494
-168
-126
-127
-129
-365
   
Net Issuance of Stock
45.45
1,727
83.33
--
--
18.18
4.55
19.70
25.76
25.76
25.76
--
22.73
3.03
21.21
4.55
Net Issuance of Debt
2,602
633
--
--
--
--
868
379
10.61
37.88
37.88
379
515
-505
--
37.88
Cash Flow for Dividends
-677
-489
-576
-489
-385
-450
-521
-680
-973
-992
-992
-198
-665
-308
-667
-326
Other Financing
-3,506
-497
-535
-302
-492
-267
-327
-394
-447
-423
-423
-189
-214
-233
-217
-206
Cash Flow from Financing
-1,536
1,374
-1,027
-791
-877
-698
24.24
-676
-1,383
-1,352
-1,352
-9.09
-341
-1,042
-862
-489
   
Net Change in Cash
81.82
920
-1,283
2,402
-242
688
-652
1,921
997
-1,170
-1,170
824
2,874
-1,877
-706
-464
   
Free Cash Flow
7,826
10,900
-544
2,820
1,024
1,370
25.76
2,811
2,445
465
676
894
3,341
-708
285
391
Valuation Ratios (Daily)AnnualsSemi-Annual
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Dec10 Jun11 Dec11 Jun12 Dec12
   
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
Price to Tangible Book 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
Price-to-Free-Cash-Flow ratio 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
PS Ratio 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
EV-to-Revenue 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
EV-to-EBITDA 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
EV-to-EBIT 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
Earnings Yield (Joel Greenblatt) 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
Forward Rate of Return 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 QualityAnnualsSemi-Annual
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Dec10 Jun11 Dec11 Jun12 Dec12
   
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
Enterprise Value 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
Month End Stock Price 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
Net Cash (per share) 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
Net Current Asset Value (per share) 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
DCF (per share) 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
Median PS (per share) 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
Peter Lynch Fair Value (per share) 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
Graham Number (per share) 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
Altman Z-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
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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