European Shorting
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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 6.7 | 3.7 | 1.9 |
| EBITDA Growth (%) | 0 | 0 | 18.8 |
| Free Cash Flow Growth (%) | 6.2 | 25.3 | 114.8 |
| Book Value Growth (%) | 8.2 | 7.2 | 15.8 |
Print This Table 
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 ($) | 6.30 |
6.51 |
7.10 |
8.16 |
9.00 |
9.46 |
9.81 |
10.03 |
10.52 |
10.95 |
10.96 |
2.68 |
2.70 |
2.80 |
2.77 |
2.69 |
| EBITDA per Share | 2.36 |
2.49 |
2.83 |
3.08 |
3.23 |
2.23 |
-1.82 |
1.80 |
2.70 |
3.45 |
3.54 |
0.79 |
0.80 |
0.93 |
0.92 |
0.89 |
| Free Cashflow per Share | 3.63 |
1.86 |
1.04 |
3.53 |
2.91 |
1.29 |
2.89 |
5.69 |
1.89 |
4.92 |
5.59 |
0.99 |
1.39 |
1.27 |
1.27 |
1.66 |
| Earnings per Share ($) | 1.35 |
1.48 |
1.69 |
1.89 |
1.97 |
1.26 |
-1.24 |
1.03 |
1.65 |
2.16 |
2.23 |
0.49 |
0.50 |
0.58 |
0.58 |
0.57 |
| Dividends Per Share | -- |
-- |
-- |
0.36 |
0.47 |
0.50 |
0.13 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Book Value per Share | 9.11 |
10.07 |
10.80 |
13.36 |
14.84 |
15.74 |
14.60 |
14.98 |
17.53 |
20.33 |
20.86 |
18.02 |
18.88 |
19.87 |
20.34 |
20.86 |
| Month End Stock Price | 26.36 |
26.36 |
38.18 |
35.46 |
31.36 |
19.50 |
10.00 |
9.95 |
10.80 |
16.60 |
20.50 |
11.75 |
14.00 |
13.85 |
16.60 |
20.50 |
| 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 % | 14.80 |
14.80 |
15.70 |
14.10 |
13.10 |
8.00 |
-8.50 |
6.90 |
9.40 |
10.60 |
10.80 |
10.80 |
10.80 |
11.60 |
11.60 |
10.80 |
| Return on Assets % | 1.30 |
1.20 |
1.20 |
1.10 |
1.00 |
0.50 |
-0.50 |
0.40 |
0.70 |
0.90 |
0.80 |
0.80 |
0.80 |
0.80 |
0.80 |
0.80 |
| Return on Capital - Joel Greenblatt % | -- |
270 |
949 |
-- |
239 |
186 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 0.57 |
0.69 |
0.99 |
1.03 |
0.89 |
1.10 |
1.07 |
0.83 |
0.53 |
0.63 |
0.61 |
0.64 |
0.69 |
0.65 |
0.63 |
0.61 |
| Operating Margin % | 32.10 |
33.60 |
35.70 |
34.90 |
33.20 |
19.50 |
-22.80 |
14.00 |
22.20 |
28.60 |
30.60 |
26.50 |
26.70 |
30.50 |
30.50 |
30.60 |
| Net Margin % | 21.30 |
22.80 |
23.80 |
23.20 |
21.60 |
13.30 |
-12.70 |
10.20 |
15.70 |
19.70 |
21.00 |
18.50 |
18.70 |
20.70 |
21.10 |
21.00 |
| Debt to Revenue | 0.83 |
1.07 |
1.51 |
1.68 |
1.46 |
1.83 |
1.60 |
1.24 |
0.88 |
1.17 |
4.77 |
4.30 |
4.86 |
4.57 |
4.62 |
4.77 |
| Interest Exp. to Revenue % | 60.94 |
67.33 |
70.37 |
70.97 |
70.29 |
70.64 |
67.09 |
68.51 |
71.99 |
70.61 |
73.51 |
70.55 |
72.11 |
69.31 |
70.52 |
73.51 |
| Asset Turnover | 0.06 |
0.05 |
0.05 |
0.05 |
0.05 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
113 |
-0.40 |
-- |
-- |
0.20 |
-- |
-0.10 |
-- |
-- |
0.20 |
| Dividend Payout Ratio | -- |
-- |
-- |
0.19 |
0.24 |
0.39 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 22.65 |
25.68 |
29.39 |
34.20 |
38.25 |
40.19 |
42.28 |
45.88 |
50.56 |
51.64 |
52.21 |
12.62 |
12.99 |
12.98 |
13.05 |
13.19 |
| Non Interest Income | 14.52 |
12.46 |
12.38 |
13.99 |
16.17 |
16.71 |
20.74 |
21.09 |
19.67 |
21.49 |
20.98 |
5.27 |
5.02 |
5.75 |
5.46 |
4.75 |
| Revenue | 37.17 |
38.14 |
41.77 |
48.20 |
54.42 |
56.89 |
63.02 |
66.96 |
70.23 |
73.13 |
73.19 |
17.89 |
18.01 |
18.73 |
18.51 |
17.94 |
| Selling, General, &Admin. Expense | 15.33 |
14.67 |
15.53 |
17.81 |
19.34 |
20.85 |
22.53 |
23.46 |
23.22 |
25.89 |
25.89 |
6.20 |
6.54 |
6.60 |
6.55 |
6.20 |
| Credit Losses Provision | 1.69 |
1.59 |
1.84 |
2.48 |
3.82 |
9.06 |
30.90 |
15.80 |
12.58 |
8.14 |
7.67 |
2.22 |
1.95 |
2.40 |
1.57 |
1.75 |
| Other Expenses | 6.21 |
7.33 |
7.72 |
9.71 |
11.71 |
13.56 |
21.26 |
15.70 |
16.38 |
16.08 |
15.95 |
4.17 |
4.16 |
3.49 |
4.26 |
4.04 |
| Earnings Before DDA | 13.94 |
14.56 |
16.68 |
18.20 |
19.54 |
13.43 |
-11.68 |
12.00 |
18.04 |
23.02 |
23.68 |
5.31 |
5.36 |
6.23 |
6.13 |
5.96 |
| Depreciation, Depletion and Amortization | 2.03 |
1.75 |
1.77 |
1.37 |
1.46 |
2.34 |
2.72 |
2.65 |
2.43 |
2.10 |
2.01 |
0.56 |
0.55 |
0.52 |
0.48 |
0.46 |
| Operating Income | 11.92 |
12.81 |
14.91 |
16.83 |
18.09 |
11.08 |
-14.40 |
9.35 |
15.61 |
20.92 |
21.67 |
4.75 |
4.81 |
5.72 |
5.65 |
5.50 |
| Net Income | 7.93 |
8.70 |
9.95 |
11.16 |
11.77 |
7.58 |
-7.99 |
6.86 |
11.05 |
14.44 |
14.91 |
3.30 |
3.36 |
3.88 |
3.90 |
3.78 |
| Earnings per Share ($) | 1.35 |
1.48 |
1.69 |
1.89 |
1.97 |
1.26 |
-1.24 |
1.03 |
1.65 |
2.16 |
2.23 |
0.49 |
0.50 |
0.58 |
0.58 |
0.57 |
| Total Shares Outstanding | 5.90 |
5.86 |
5.89 |
5.91 |
6.05 |
6.01 |
6.42 |
6.67 |
6.68 |
6.68 |
6.68 |
6.68 |
6.68 |
6.68 |
6.68 |
6.68 |
| 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 | 15.72 |
13.70 |
19.81 |
26.22 |
25.06 |
27.99 |
141 |
65.12 |
69.84 |
43.89 |
87.10 |
73.72 |
59.32 |
54.17 |
43.89 |
87.10 |
| Money Market Investments | -- |
12.33 |
2.76 |
14.69 |
-- |
9.78 |
13.64 |
5.71 |
5.09 |
5.30 |
4.87 |
5.09 |
5.40 |
5.30 |
5.30 |
4.87 |
| Net Loan | 425 |
486 |
592 |
740 |
871 |
991 |
934 |
860 |
846 |
873 |
876 |
848 |
845 |
854 |
873 |
876 |
| Securities & Investments | 157 |
156 |
206 |
207 |
247 |
300 |
307 |
587 |
604 |
655 |
664 |
632 |
665 |
676 |
655 |
664 |
| Accounts Receivable | 3.79 |
3.64 |
4.62 |
5.98 |
7.42 |
7.09 |
6.09 |
6.38 |
6.25 |
6.60 |
7.02 |
6.54 |
6.51 |
6.86 |
6.60 |
7.02 |
| Property, Plant and Equipment | 14.25 |
18.44 |
21.38 |
23.40 |
32.61 |
33.96 |
31.70 |
29.42 |
27.61 |
26.15 |
26.13 |
27.22 |
26.79 |
26.35 |
26.15 |
26.13 |
| Intangible Assets | 0.14 |
0.14 |
0.14 |
0.14 |
0.14 |
0.14 |
0.14 |
0.14 |
0.14 |
0.14 |
-- | -- |
-- |
-- |
0.14 |
-- |
| Other Assets | 14.50 |
15.62 |
17.85 |
23.53 |
29.95 |
41.01 |
57.84 |
53.52 |
56.08 |
53.04 |
52.42 |
55.72 |
57.34 |
50.36 |
53.04 |
52.42 |
| Total Assets | 631 |
707 |
864 |
1,041 |
1,213 |
1,411 |
1,491 |
1,607 |
1,615 |
1,663 |
1,718 |
1,648 |
1,666 |
1,673 |
1,663 |
1,718 |
| Total Deposits | 484 |
557 |
664 |
802 |
952 |
1,140 |
1,281 |
1,411 |
1,419 |
1,421 |
1,467 |
1,433 |
1,435 |
1,436 |
1,421 |
1,467 |
| Accounts Payable | 5.22 |
5.27 |
7.03 |
9.50 |
10.39 |
10.28 |
13.11 |
12.65 |
15.87 |
18.92 |
25.37 |
17.08 |
16.78 |
17.86 |
18.92 |
25.37 |
| Current Portion of Long-Term Debt | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Long-Term Debt | 30.80 |
40.90 |
63.00 |
81.00 |
79.50 |
104 |
101 |
82.95 |
61.95 |
85.55 |
85.55 |
76.95 |
87.55 |
85.55 |
85.55 |
85.55 |
| Other liabilities | 56.97 |
44.58 |
67.01 |
70.02 |
81.17 |
62.55 |
3.19 |
0.82 |
0.70 |
0.98 |
0.78 |
0.73 |
0.66 |
0.65 |
0.98 |
0.78 |
| Total Liabilities | 577 |
648 |
801 |
962 |
1,123 |
1,316 |
1,397 |
1,507 |
1,498 |
1,527 |
1,579 |
1,528 |
1,540 |
1,540 |
1,527 |
1,579 |
| Common Stock | 15.85 |
15.85 |
15.84 |
16.30 |
16.30 |
17.96 |
20.02 |
20.03 |
20.03 |
20.04 |
20.04 |
20.04 |
20.04 |
20.04 |
20.04 |
20.04 |
| Retained Earnings | 3.00 |
8.98 |
16.10 |
25.29 |
34.23 |
21.46 |
12.69 |
19.55 |
30.59 |
45.03 |
48.80 |
33.90 |
37.26 |
41.13 |
45.03 |
48.80 |
| Additional Paid-In Capital | 34.34 |
34.29 |
34.14 |
38.99 |
39.52 |
55.19 |
62.36 |
62.62 |
62.77 |
62.84 |
62.85 |
62.79 |
62.80 |
62.82 |
62.84 |
62.85 |
| Treasury Stock | -0.51 |
-0.50 |
-0.23 |
-0.02 |
-0.32 |
-- |
-- |
-- |
-- |
-0.07 |
-0.03 |
-- |
-- |
-0.08 |
-0.07 |
-0.03 |
| Total Equity | 53.69 |
58.98 |
63.58 |
78.92 |
89.76 |
94.65 |
93.74 |
99.96 |
117 |
136 |
139 |
120 |
126 |
133 |
136 |
139 |
| 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 | 7.93 |
8.70 |
9.95 |
11.16 |
11.77 |
7.58 |
-7.99 |
6.86 |
11.05 |
14.44 |
14.91 |
3.30 |
3.36 |
3.88 |
3.90 |
3.78 |
| Depreciation, Depletion and Amortization | 2.03 |
1.75 |
1.77 |
1.37 |
1.46 |
2.34 |
2.72 |
2.65 |
2.43 |
2.10 |
2.01 |
0.56 |
0.55 |
0.52 |
0.48 |
0.46 |
| Cash Flow from Others | 11.44 |
0.42 |
-5.59 |
8.32 |
4.39 |
-2.14 |
24.58 |
28.84 |
-0.14 |
16.97 |
21.35 |
2.95 |
5.49 |
4.15 |
4.39 |
7.32 |
| Cash Flow from Operations | 21.39 |
10.87 |
6.14 |
20.85 |
17.61 |
7.78 |
19.31 |
38.35 |
13.34 |
33.51 |
38.26 |
6.81 |
9.39 |
8.55 |
8.77 |
11.56 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-0.75 |
-0.37 |
-0.74 |
-0.64 |
-0.92 |
-0.17 |
-0.12 |
-0.08 |
-0.28 |
-0.45 |
| Cash Flow from Investing | -75.99 |
-68.34 |
-158 |
-164 |
-190 |
-185 |
4.49 |
-231 |
4.39 |
-85.35 |
-67.26 |
-32.16 |
-35.94 |
-12.95 |
-4.31 |
-14.07 |
| Net Issuance of Stock | -0.01 |
-0.04 |
0.00 |
5.11 |
-0.32 |
0.06 |
9.04 |
0.02 |
-- |
-0.08 |
-0.07 |
-- |
0.02 |
-0.10 |
-- |
0.01 |
| Net Issuance of Debt | 8.78 |
-2.29 |
44.53 |
21.01 |
9.65 |
5.89 |
-3.45 |
-17.60 |
-21.41 |
23.60 |
8.60 |
15.00 |
10.60 |
-2.00 |
-- |
-- |
| Cash Flow for Dividends | -- |
-2.73 |
-2.73 |
-2.77 |
-2.82 |
-2.97 |
-0.78 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other Financing | 44.40 |
72.83 |
107 |
138 |
150 |
187 |
81.62 |
128 |
8.40 |
2.37 |
33.85 |
14.23 |
1.52 |
1.35 |
-14.74 |
45.72 |
| Cash Flow from Financing | 53.17 |
67.77 |
149 |
161 |
157 |
190 |
86.42 |
110 |
-13.01 |
25.88 |
42.38 |
29.23 |
12.14 |
-0.75 |
-14.74 |
45.73 |
| Net Change in Cash | -1.43 |
10.30 |
-3.46 |
18.35 |
-15.85 |
12.71 |
110 |
-82.88 |
4.73 |
-25.95 |
13.38 |
3.88 |
-14.40 |
-5.15 |
-10.28 |
43.22 |
| Free Cash Flow | 21.39 |
10.87 |
6.14 |
20.85 |
17.61 |
7.78 |
18.56 |
37.98 |
12.61 |
32.87 |
37.34 |
6.64 |
9.27 |
8.47 |
8.49 |
11.11 |
| 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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| 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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| 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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