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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 0 | 0.8 | 13.4 |
| EBITDA Growth (%) | 0 | 0 | 27.5 |
| Free Cash Flow Growth (%) | 0 | -8.9 | -65.4 |
| Book Value Growth (%) | 0 | 11.1 | 2.2 |
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 |
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 |
| Ratios | Annuals | Quarterly | ||||||||||||||
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 Statement | Annuals (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 Sheet | Annuals (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 Statement | Annuals (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) | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | 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 |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | 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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| Peter Lynch Fair Value (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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