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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 0.8  13.4 
EBITDA Growth (%) 27.5 
Free Cash Flow Growth (%) -8.9  -65.4 
Book Value Growth (%) 11.1  2.2 

*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 DataAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
--
--
0.95
2.17
2.33
2.63
2.88
3.39
2.54
2.92
3.04
0.65
0.69
0.77
0.80
0.78
EBITDA per Share
--
--
0.16
0.62
0.74
-0.06
0.88
1.10
0.42
0.85
0.88
0.21
0.16
0.24
0.24
0.24
Free Cashflow per Share
--
--
0.28
0.61
0.69
0.86
0.50
1.51
0.50
0.54
0.36
0.12
0.06
0.13
0.23
-0.06
Earnings per Share ($)
--
--
0.09
0.36
0.44
-0.09
0.53
0.66
0.25
0.56
0.61
0.13
0.11
0.17
0.16
0.17
Dividends Per Share
--
--
--
0.08
0.16
0.20
0.20
0.25
0.27
0.36
0.38
0.08
0.09
0.09
0.10
0.10
Book Value per Share
--
--
3.96
8.23
8.34
7.91
8.52
8.97
11.62
11.44
11.65
11.40
11.62
11.75
11.49
11.65
Month End Stock Price
--
--
13.05
17.85
12.20
13.97
10.50
12.22
10.36
12.90
12.96
11.65
11.57
12.27
12.90
12.96
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
9.20
5.00
2.30
4.40
5.30
-1.10
6.20
7.40
2.10
4.90
5.60
4.80
3.60
5.60
5.20
5.60
Return on Assets %
0.90
0.40
0.30
0.60
0.60
-0.10
0.60
0.70
0.40
0.80
0.80
0.80
0.80
0.80
0.80
0.80
Return on Capital - Joel Greenblatt %
--
--
--
--
--
-141
--
--
--
--
--
2,952
--
506
--
--
Debt to Equity
1.65
1.78
0.87
1.15
1.33
2.26
1.68
1.57
0.20
0.45
0.54
0.38
0.39
0.36
0.45
0.54
   
Operating Margin %
--
--
13.70
25.00
28.50
-5.20
27.50
30.20
14.90
27.50
29.60
30.60
21.70
29.10
28.20
29.60
Net Margin %
20.70
11.90
9.50
16.70
19.00
-3.30
18.30
19.50
9.70
19.30
21.30
20.50
15.40
21.60
19.50
21.30
   
Debt to Revenue
3.69
4.22
3.62
4.35
4.74
6.78
4.95
4.15
0.90
1.75
8.08
6.70
6.57
5.51
6.45
8.08
Interest Exp. to Revenue %
86.58
88.99
88.73
88.70
87.59
87.85
86.91
85.06
79.75
82.00
77.17
85.80
88.20
78.62
76.73
77.17
   
Asset Turnover
0.04
0.03
0.03
0.03
0.03
0.03
0.03
0.04
0.04
0.04
0.01
0.01
0.01
0.01
0.01
0.01
Buyback Ratio
--
--
--
--
--
--
--
--
-2,370
--
--
--
--
--
--
--
Dividend Payout Ratio
--
--
--
0.22
0.36
--
0.38
0.37
1.09
0.64
0.61
0.60
0.85
0.54
0.65
0.61
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
25.49
25.74
32.09
36.30
38.30
42.60
46.29
53.54
58.11
67.01
67.39
16.13
16.89
16.96
17.03
16.51
Non Interest Income
3.95
3.18
4.08
4.63
5.43
5.89
6.97
9.40
14.76
14.71
16.92
2.67
2.26
4.61
5.16
4.88
Revenue
29.45
28.93
36.16
40.93
43.73
48.49
53.26
62.94
72.87
81.72
84.31
18.80
19.15
21.58
22.19
21.39
   
Selling, General, &Admin. Expense
--
--
14.09
16.23
17.21
18.47
23.60
27.15
31.00
38.68
40.44
8.60
10.00
9.33
11.25
9.85
Credit Losses Provision
2.10
2.37
2.70
1.68
0.75
2.39
1.96
4.11
3.02
3.59
3.27
0.70
1.18
0.79
0.91
0.39
Other Expenses
17.24
20.35
13.25
11.34
11.86
28.74
11.42
11.27
26.70
15.64
16.10
3.43
3.49
4.84
3.38
4.40
Earnings Before DDA
1.35
1.24
6.13
11.68
13.91
-1.10
16.28
20.42
12.15
23.81
24.49
6.07
4.48
6.62
6.65
6.75
   
Depreciation, Depletion and Amortization
1.35
1.24
1.17
1.46
1.46
1.44
1.61
1.44
1.32
1.38
1.48
0.32
0.32
0.34
0.39
0.42
   
Operating Income
--
--
4.96
10.22
12.44
-2.54
14.67
18.98
10.83
22.43
23.01
5.75
4.15
6.28
6.25
6.33
Net Income
6.09
3.45
3.43
6.85
8.33
-1.59
9.73
12.25
7.09
15.80
16.49
3.86
2.95
4.67
4.33
4.55
   
Earnings per Share ($)
--
--
0.09
0.36
0.44
-0.09
0.53
0.66
0.25
0.56
0.61
0.13
0.11
0.17
0.16
0.17
Total Shares Outstanding
--
--
38.07
18.84
18.75
18.43
18.47
18.55
28.69
28.03
27.56
28.73
27.77
27.85
27.90
27.56
Balance SheetAnnuals (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
28.45
22.10
18.12
21.00
18.62
14.61
18.51
60.71
40.99
35.32
57.54
15.30
20.15
14.00
35.32
57.54
Money Market Investments
-28.45
-22.10
8.50
9.84
11.17
17.01
--
--
--
--
--
--
--
--
--
--
Net Loan
528
696
860
1,033
1,116
1,292
1,361
1,411
1,457
1,592
1,562
1,496
1,546
1,536
1,592
1,562
Securities & Investments
--
--
135
134
142
166
123
139
161
247
318
229
243
277
247
318
Accounts Receivable
2.71
3.01
3.78
4.47
4.16
4.64
4.29
4.18
6.94
4.86
5.45
4.62
5.07
5.52
4.86
5.45
Property, Plant and Equipment
7.37
7.38
11.32
12.62
14.35
16.41
15.86
14.91
15.50
20.08
21.17
16.08
17.33
18.97
20.08
21.17
Intangible Assets
1.07
1.07
1.07
1.07
1.07
1.07
1.07
1.15
1.15
1.07
1.07
1.07
1.07
1.07
1.07
1.07
Other Assets
172
182
19.15
16.63
19.57
21.88
47.76
47.12
67.16
97.72
97.50
93.14
95.78
95.98
97.72
97.50
Total Assets
712
890
1,056
1,233
1,327
1,533
1,571
1,678
1,750
1,999
2,063
1,855
1,928
1,949
1,999
2,063
   
Total Deposits
532
692
766
890
951
1,043
1,129
1,219
1,327
1,505
1,547
1,382
1,456
1,477
1,505
1,547
Accounts Payable
--
--
--
--
0.12
--
6.39
30.96
17.90
23.63
17.98
--
--
--
23.63
17.98
Current Portion of Long-Term Debt
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Long-Term Debt
109
122
131
178
207
329
264
261
65.88
143
173
126
126
119
143
173
Other liabilities
5.67
6.89
8.21
9.83
12.17
15.83
14.41
--
5.85
6.78
4.07
19.36
24.15
25.90
6.78
4.07
Total Liabilities
646
821
905
1,078
1,171
1,387
1,414
1,512
1,416
1,678
1,742
1,528
1,606
1,622
1,678
1,742
   
Common Stock
63.89
67.34
85.25
--
--
--
--
--
--
--
--
244
--
--
--
--
Retained Earnings
--
--
70.76
76.06
81.38
75.99
82.97
90.65
90.71
91.81
94.05
92.20
92.57
94.36
91.81
94.05
Additional Paid-In Capital
--
--
0.21
87.10
88.26
88.63
89.33
90.04
259
257
258
259
256
256
257
258
Treasury Stock
--
--
--
--
-7.29
-9.71
-9.66
-9.50
--
-16.04
-18.28
-7.63
-10.47
-10.43
-16.04
-18.28
Total Equity
65.92
68.53
151
155
156
146
157
166
333
321
321
328
323
327
321
321
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Income
6.09
3.45
3.43
6.85
8.33
-1.59
9.73
12.25
7.09
15.80
16.49
3.86
2.95
4.67
4.33
4.55
Depreciation, Depletion and Amortization
1.35
1.24
1.17
1.46
1.46
1.44
1.61
1.44
1.32
1.38
1.48
0.32
0.32
0.34
0.39
0.42
Cash Flow from Others
1.31
-0.80
6.21
3.23
3.08
15.92
-0.95
14.77
7.97
3.91
-1.40
0.18
-0.08
0.64
3.17
-5.12
Cash Flow from Operations
8.75
3.90
10.81
11.54
12.87
15.78
10.39
28.46
16.38
21.08
16.58
4.36
3.19
5.65
7.89
-0.15
   
Investment for Property, Plant & Equipement
-0.71
-1.26
--
--
--
--
-1.10
-0.46
-2.04
-5.97
-6.59
-0.90
-1.58
-1.98
-1.52
-1.52
Cash Flow from Investing
-40.91
-184
-166
-180
-91.48
-230
-29.88
-70.00
-102
-247
-180
-108
-75.62
-9.38
-53.62
-41.62
   
Net Issuance of Stock
--
--
74.23
-1.78
-7.18
-4.12
-0.24
-0.05
161
-21.91
-16.64
-7.63
-7.83
-0.56
-5.89
-2.36
Net Issuance of Debt
17.50
173
12.85
47.24
23.88
122
-59.08
-2.38
-204
78.15
40.77
57.36
3.33
-7.71
25.17
19.98
Cash Flow for Dividends
--
--
--
-1.50
-3.01
-3.69
-3.69
-4.53
-7.03
-14.38
-14.83
-2.36
-2.58
-2.57
-6.87
-2.81
Other Financing
0.05
0.17
69.71
124
66.53
91.47
86.91
89.90
117
178
172
55.47
73.53
19.05
30.28
49.19
Cash Flow from Financing
17.56
174
157
168
80.22
205
23.90
82.94
66.29
220
181
103
66.46
8.21
42.68
64.00
   
Net Change in Cash
-14.60
-6.35
1.51
-1.23
1.62
-9.10
4.41
41.40
-19.72
-5.67
17.69
-1.13
-5.96
4.48
-3.05
22.23
   
Free Cash Flow
8.04
2.64
10.81
11.54
12.87
15.78
9.29
28.00
14.34
15.11
9.99
3.46
1.62
3.67
6.37
-1.67
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 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
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
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