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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 2.1 | 1.5 | 12.2 |
| EBITDA Growth (%) | -9.9 | -11.2 | 0 |
| Free Cash Flow Growth (%) | 0 | 0 | -62.5 |
| Book Value Growth (%) | 0 | 0 | -32.5 |
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 | Sep12 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Revenue per Share ($) | 5.58 |
6.70 |
6.07 |
6.05 |
7.55 |
6.99 |
6.07 |
7.64 |
7.02 |
6.99 |
6.45 |
1.48 |
2.07 |
1.34 |
2.06 |
0.98 |
| EBITDA per Share | 1.50 |
1.83 |
2.06 |
2.44 |
2.31 |
1.32 |
0.85 |
1.42 |
0.88 |
0.72 |
1.75 |
0.35 |
1.49 |
0.27 |
-0.23 |
0.22 |
| Free Cashflow per Share | -- |
-6.84 |
-10.40 |
-1.02 |
2.28 |
-3.10 |
7.49 |
4.60 |
-- |
2.66 |
1.57 |
-- |
-1.42 |
-- |
2.99 |
-- |
| Earnings per Share ($) | 0.99 |
1.24 |
1.52 |
1.78 |
1.52 |
1.30 |
1.17 |
0.75 |
0.25 |
0.28 |
0.21 |
0.22 |
0.01 |
0.01 |
0.04 |
0.14 |
| Dividends Per Share | 0.33 |
0.43 |
0.54 |
0.69 |
0.79 |
0.80 |
0.60 |
0.48 |
0.49 |
0.64 |
0.67 |
0.12 |
0.22 |
0.15 |
0.15 |
0.15 |
| Book Value per Share | 12.03 |
7.32 |
8.95 |
10.70 |
10.62 |
10.46 |
10.84 |
10.78 |
-- |
9.73 |
6.95 |
10.30 |
9.44 |
9.76 |
7.09 |
6.95 |
| Month End Stock Price | 12.11 |
12.91 |
18.26 |
21.08 |
9.29 |
16.09 |
10.42 |
7.36 |
7.46 |
8.17 |
6.81 |
7.67 |
6.56 |
7.46 |
8.17 |
6.81 |
| Ratios | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Sep12 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Return on Equity % | 8.80 |
16.90 |
16.90 |
16.60 |
16.20 |
13.10 |
10.90 |
7.00 |
-- |
3.00 |
6.40 |
8.40 |
0.40 |
0.40 |
2.00 |
6.40 |
| Return on Assets % | 0.50 |
0.80 |
0.90 |
1.00 |
0.90 |
0.80 |
0.70 |
0.40 |
-- |
0.20 |
0.40 |
0.40 |
-- |
-- |
-- |
0.40 |
| Return on Capital - Joel Greenblatt % | -- |
-- |
-- |
-- |
-- |
4.20 |
4.00 |
9.10 |
-- |
-- |
-- | 14.40 |
418 |
9.60 |
-- |
-- |
| Debt to Equity | 2.93 |
3.98 |
5.23 |
4.94 |
0.68 |
3.46 |
2.92 |
2.88 |
-- |
0.24 |
0.24 |
3.03 |
4.82 |
3.02 |
0.24 |
0.24 |
| Operating Margin % | 26.90 |
24.30 |
30.10 |
36.30 |
27.40 |
15.50 |
9.40 |
14.70 |
12.50 |
6.20 |
22.00 |
23.30 |
65.40 |
20.40 |
-16.60 |
22.00 |
| Net Margin % | 19.00 |
18.50 |
25.00 |
29.40 |
22.80 |
19.60 |
19.50 |
9.90 |
3.50 |
4.10 |
11.70 |
14.70 |
0.60 |
1.00 |
1.90 |
11.70 |
| Debt to Revenue | 6.31 |
4.35 |
7.70 |
8.74 |
0.95 |
5.17 |
5.20 |
4.07 |
-- |
0.34 |
1.73 |
21.07 |
21.93 |
21.93 |
0.84 |
1.73 |
| Interest Exp. to Revenue % | 52.32 |
31.25 |
42.06 |
49.62 |
44.37 |
54.80 |
69.50 |
56.95 |
-- |
56.27 |
0.57 |
0.56 |
188 |
73.62 |
164 |
0.57 |
| Asset Turnover | 0.03 |
0.04 |
0.04 |
0.03 |
0.04 |
0.04 |
0.04 |
0.04 |
-- |
0.04 |
0.01 |
0.01 |
0.01 |
0.01 |
0.02 |
0.01 |
| Dividend Payout Ratio | 0.25 |
0.27 |
0.28 |
0.30 |
0.36 |
0.45 |
-- |
0.50 |
1.56 |
1.73 |
1.03 |
0.42 |
13.49 |
9.20 |
2.99 |
1.03 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Sep12 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 11,063 |
13,443 |
16,415 |
19,640 |
23,297 |
33,716 |
37,467 |
39,514 |
39,758 |
38,650 |
36,794 |
10,105 |
9,765 |
9,694 |
8,731 |
8,604 |
| Non Interest Income | 10,080 |
29,577 |
22,613 |
19,944 |
29,211 |
27,808 |
16,442 |
29,876 |
27,858 |
30,038 |
38,137 |
3,883 |
10,977 |
3,473 |
19,099 |
4,588 |
| Revenue | 21,144 |
43,020 |
39,028 |
39,584 |
52,508 |
61,524 |
53,909 |
69,390 |
67,615 |
68,688 |
74,931 |
13,988 |
20,742 |
13,167 |
27,829 |
13,192 |
| Selling, General, &Admin. Expense | 5,298 |
7,971 |
8,369 |
9,136 |
25,787 |
27,691 |
29,539 |
25,715 |
26,162 |
21,896 |
15,035 |
5,832 |
-996 |
5,763 |
4,591 |
5,677 |
| Credit Losses Provision | 2,111 |
2,250 |
3,184 |
4,489 |
-- |
-- |
-- |
3,335 |
5,587 |
23,781 |
15,129 |
4,009 |
-4,009 |
3,838 |
11,558 |
3,742 |
| Other Expenses | 8,054 |
21,045 |
14,269 |
9,980 |
10,697 |
22,226 |
16,803 |
27,458 |
27,413 |
15,949 |
27,449 |
886 |
10,859 |
879 |
14,840 |
871 |
| Earnings Before DDA | 5,681 |
11,755 |
13,206 |
15,978 |
16,025 |
11,608 |
7,567 |
12,882 |
8,454 |
7,063 |
17,318 |
3,262 |
14,888 |
2,686 |
-3,159 |
2,903 |
| Depreciation, Depletion and Amortization | -- |
1,308 |
1,475 |
1,628 |
1,628 |
2,047 |
2,487 |
2,704 |
-- |
2,806 |
2,806 |
-- |
1,333 |
-- |
1,473 |
-- |
| Operating Income | 5,681 |
10,447 |
11,731 |
14,350 |
14,397 |
9,561 |
5,080 |
10,178 |
8,454 |
4,256 |
14,512 |
3,262 |
13,555 |
2,686 |
-4,632 |
2,903 |
| Net Income | 4,017 |
7,968 |
9,738 |
11,634 |
11,965 |
12,067 |
10,488 |
6,860 |
2,369 |
2,827 |
2,318 |
2,056 |
128 |
126 |
519 |
1,545 |
| Preferred dividends | 264 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Earnings per Share ($) | 0.99 |
1.24 |
1.52 |
1.78 |
1.52 |
1.30 |
1.17 |
0.75 |
0.25 |
0.28 |
0.21 |
0.22 |
0.01 |
0.01 |
0.04 |
0.14 |
| Total Shares Outstanding | 3,789 |
6,420 |
6,424 |
6,539 |
6,950 |
8,801 |
8,875 |
9,085 |
9,625 |
9,833 |
13,500 |
9,435 |
10,000 |
9,800 |
13,500 |
13,500 |
| Balance Sheet | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Sep12 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Cash and cash equivalents | 11,256 |
20,608 |
17,737 |
39,887 |
58,694 |
44,730 |
99,725 |
123,749 |
-- |
151,908 |
116,062 |
152,349 |
147,271 |
135,868 |
151,908 |
116,062 |
| Money Market Investments | 20,656 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
3,792 |
-- |
-- |
-- |
| Net Loan | 334,960 |
459,435 |
698,306 |
580,443 |
708,527 |
736,746 |
804,009 |
801,826 |
-- |
758,228 |
989,604 |
1,024,750 |
915,647 |
1,050,447 |
972,087 |
989,604 |
| Securities & Investments | 122,989 |
354,878 |
73,280 |
281,004 |
257,356 |
332,678 |
93,678 |
131,408 |
-- |
382,742 |
410,259 |
326,459 |
133,463 |
335,221 |
382,742 |
410,259 |
| Accounts Receivable | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
7,835 |
-- | -- |
287,517 |
-- |
7,835 |
-- |
| Property, Plant and Equipment | 10,522 |
12,802 |
13,383 |
12,146 |
10,899 |
11,533 |
14,328 |
17,751 |
-- |
13,224 |
22,086 |
21,559 |
17,719 |
21,865 |
13,224 |
22,086 |
| Intangible Assets | 22,326 |
20,791 |
21,740 |
20,588 |
26,440 |
32,876 |
35,980 |
36,004 |
-- |
35,977 |
32,141 |
32,308 |
36,171 |
32,279 |
35,977 |
32,141 |
| Other Assets | 214,435 |
168,015 |
244,621 |
238,180 |
283,766 |
265,193 |
513,178 |
493,783 |
-- |
277,814 |
73,051 |
87,895 |
115,129 |
91,796 |
63,955 |
73,051 |
| Total Assets | 737,145 |
1,036,529 |
1,069,067 |
1,172,248 |
1,345,681 |
1,423,756 |
1,560,898 |
1,604,521 |
-- |
1,627,728 |
1,643,203 |
1,645,319 |
1,656,709 |
1,667,477 |
1,627,728 |
1,643,203 |
| Total Deposits | 485,102 |
149,450 |
569,562 |
572,341 |
652,896 |
767,041 |
907,261 |
994,450 |
-- |
999,494 |
837,472 |
824,085 |
865,829 |
807,786 |
999,494 |
837,472 |
| Accounts Payable | -- |
-- |
-- |
-- |
2,955 |
4,279 |
5,521 |
10,479 |
-- |
17,645 |
-- | -- |
17,481 |
-- |
17,645 |
-- |
| Current Portion of Long-Term Debt | -- |
-- |
-- |
-- |
-- |
270,996 |
241,320 |
253,041 |
-- |
-- |
-- | 265,408 |
184,063 |
264,291 |
-- |
-- |
| Long-Term Debt | 133,493 |
187,003 |
300,631 |
345,807 |
49,838 |
47,185 |
39,070 |
29,477 |
-- |
23,382 |
22,856 |
29,258 |
270,788 |
24,474 |
23,382 |
22,856 |
| Other liabilities | 72,980 |
653,059 |
141,372 |
184,147 |
566,164 |
242,162 |
271,550 |
219,106 |
-- |
491,497 |
689,100 |
429,397 |
224,141 |
475,324 |
491,497 |
689,100 |
| Total Liabilities | 691,575 |
989,512 |
1,011,565 |
1,102,295 |
1,271,852 |
1,331,664 |
1,464,721 |
1,506,554 |
-- |
1,532,018 |
1,549,428 |
1,548,147 |
1,562,303 |
1,571,876 |
1,532,018 |
1,549,428 |
| Common Stock | 4,006 |
4,006 |
4,009 |
4,015 |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Retained Earnings | 7,278 |
7,968 |
9,738 |
11,634 |
27,127 |
31,548 |
36,291 |
42,282 |
-- |
1,994 |
1,545 |
97,636 |
2,185 |
2,313 |
1,994 |
1,545 |
| Additional Paid-In Capital | 26,096 |
26,096 |
26,116 |
26,157 |
36,031 |
37,571 |
48,901 |
51,194 |
-- |
47,964 |
-- | -- |
41,095 |
-- |
47,964 |
-- |
| Treasury Stock | -- |
-67.98 |
-163 |
-0.25 |
-540 |
-38.15 |
-247 |
-322 |
-- |
-368 |
-- | -- |
-- |
-- |
-368 |
-- |
| Total Equity | 45,569 |
47,017 |
57,502 |
69,953 |
73,829 |
92,092 |
96,177 |
97,967 |
-- |
95,710 |
93,774 |
97,172 |
94,406 |
95,601 |
95,710 |
93,774 |
| Cashflow Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Sep12 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Income | -- |
8,647 |
10,571 |
12,374 |
11,965 |
12,067 |
11,669 |
7,871 |
-- |
3,804 |
3,804 |
-- |
2,746 |
-- |
1,058 |
-- |
| Depreciation, Depletion and Amortization | -- |
1,308 |
1,475 |
1,628 |
1,628 |
2,047 |
2,487 |
2,704 |
-- |
2,806 |
2,806 |
-- |
1,333 |
-- |
1,473 |
-- |
| Cash Flow from Others | -- |
-53,892 |
-78,889 |
-20,692 |
6,699 |
-37,236 |
52,349 |
35,573 |
-- |
24,572 |
24,572 |
-- |
-17,176 |
-- |
41,747 |
-- |
| Cash Flow from Operations | -- |
-43,936 |
-66,842 |
-6,690 |
20,291 |
-23,122 |
66,505 |
46,147 |
-- |
31,182 |
31,182 |
-- |
-13,096 |
-- |
44,278 |
-- |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-4,472 |
-4,132 |
-- |
-4,356 |
-- |
-4,983 |
-4,983 |
-- |
-1,099 |
-- |
-3,885 |
-- |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-- |
-- |
7,200 |
42.02 |
-7,862 |
-- |
1,271 |
1,271 |
-- |
1,271 |
-- |
-- |
-- |
| Cash Flow from Investing | -- |
5,301 |
3,204 |
-27,150 |
1,218 |
10,217 |
-3,378 |
-9,101 |
-- |
-80.77 |
-80.77 |
-- |
2,119 |
-- |
-2,200 |
-- |
| Net Issuance of Debt | -- |
49,319 |
65,397 |
55,017 |
-1,286 |
-759 |
368 |
-6,613 |
-- |
-5,228 |
-5,228 |
-- |
-1,277 |
-- |
-3,951 |
-- |
| Cash Flow for Dividends | -- |
-2,829 |
-3,563 |
-4,439 |
-5,440 |
-5,624 |
5,265 |
-4,473 |
-- |
-1,650 |
-1,650 |
-- |
-817 |
-- |
-833 |
-- |
| Other Financing | -- |
1,085 |
-1,237 |
5,604 |
7,280 |
419 |
-20,121 |
687 |
-- |
5,977 |
5,977 |
-- |
309 |
-- |
5,668 |
-- |
| Cash Flow from Financing | -- |
47,574 |
60,596 |
56,182 |
554 |
-5,964 |
-14,488 |
-10,399 |
-- |
-901 |
-901 |
-- |
-1,785 |
-- |
883 |
-- |
| Net Change in Cash | -- |
8,939 |
-3,042 |
22,342 |
18,870 |
-13,964 |
54,995 |
24,023 |
-- |
28,159 |
28,159 |
-- |
-12,571 |
-- |
40,729 |
-- |
| Free Cash Flow | -- |
-43,936 |
-66,842 |
-6,690 |
15,819 |
-27,254 |
66,505 |
41,791 |
-- |
26,199 |
26,199 |
-- |
-14,195 |
-- |
40,394 |
-- |
| Valuation Ratios (Daily) | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Sep12 | 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 |
Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Sep12 | 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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