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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 26.3 
EBITDA Growth (%) 13.8 
Free Cash Flow Growth (%)
Book Value Growth (%) 27.4 

*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
Dec11 Dec12 TTM Mar12 Mar13
   
Revenue per Share ($)
4.30
5.43
EBITDA per Share
2.25
2.56
Free Cashflow per Share
-2.06
4.52
Earnings per Share ($)
1.84
2.02
3.86
--
--
Book Value per Share
7.38
9.40
RatiosAnnualsSemi-Annual
Fiscal Period
Dec11 Dec12 Latest Q. Mar12 Mar13
   
Return on Equity %
25.00
21.70
--
--
20.80
Return on Assets %
2.90
2.30
--
--
2.40
Return on Capital - Joel Greenblatt %
114
113
--
--
112
Debt to Equity
0.43
0.53
--
--
0.54
   
Operating Margin %
52.30
47.10
--
53.70
42.30
Net Margin %
42.90
37.50
--
45.50
34.30
   
Debt to Revenue
0.74
0.92
--
--
3.55
Interest Exp. to Revenue %
76.08
75.81
--
--
77.75
   
Asset Turnover
0.07
0.06
--
--
0.02
Income StatementAnnuals (USD $) View: Semi-Annual
Fiscal Period
Dec11 Dec12 TTM Mar12 Mar13
   
Net Interest Income
17,680
22,212
51,128
4,926
6,309
Non Interest Income
5,559
7,088
15,912
1,459
1,806
Revenue
23,240
29,300
67,041
6,385
8,115
   
Selling, General, &Admin. Expense
7,992
10,378
23,104
2,121
2,613
Credit Losses Provision
-37.82
678
1,541
-101
1,002
Other Expenses
3,133
4,444
9,584
939
1,068
Earnings Before DDA
12,153
13,801
32,811
3,426
3,432
   
   
Operating Income
12,153
13,801
32,811
3,426
3,432
Net Income
9,965
10,993
26,650
2,906
2,786
   
Preferred dividends
34.67
81.94
117
--
--
Earnings per Share ($)
1.84
2.02
3.86
--
--
Total Shares Outstanding
5,400
5,400
--
--
--
Balance SheetAnnuals (USD $) View: Semi-Annual
Fiscal Period
Dec11 Dec12 Latest Q. Mar12 Mar13
   
Cash and cash equivalents
22,906
47,337
--
--
45,802
Money Market Investments
9,480
29,931
--
--
18,011
Net Loan
7,719,700
10,499,300
--
--
335,027
Securities & Investments
41,759
32,146
--
--
41,491
Accounts Receivable
1,106
3,618
--
--
4,693
Property, Plant and Equipment
11,343
13,741
--
--
13,650
Other Assets
-7,464,815
-10,150,264
--
--
17,709
Total Assets
341,478
475,808
--
--
476,382
   
Total Deposits
266,766
366,584
--
--
358,367
Current Portion of Long-Term Debt
--
--
--
--
--
Long-Term Debt
17,255
26,911
--
--
28,831
Other liabilities
17,605
31,541
--
--
35,812
Total Liabilities
301,626
425,036
--
--
423,010
   
Retained Earnings
27,825
37,400
--
--
40,211
Additional Paid-In Capital
7,331
7,331
--
--
7,331
Treasury Stock
-221
-240
--
--
-240
Total Equity
39,852
50,772
--
--
53,372
Cashflow StatementAnnuals (USD $) View: Semi-Annual
Fiscal Period
Dec11 Dec12 TTM Mar12 Mar13
   
Cash Flow from Others
-7,699
28,963
22,717
7,151
-5,698
Cash Flow from Operations
-7,699
28,963
22,717
7,151
-5,698
   
Investment for Property, Plant & Equipement
-3,448
-4,551
-8,865
-407
-460
Cash Flow from Acquisitions
882
-2,666
-1,664
120
--
Cash Flow from Investing
4,548
-12,893
-7,580
173
592
   
Net Issuance of Stock
--
-18.91
-126
-107
--
Net Issuance of Debt
1,081
2,638
5,525
514
1,292
Cash Flow for Dividends
-659
-1,491
-2,168
-15.76
-3.15
Other Financing
-123
3,921
6,896
1,989
1,109
Cash Flow from Financing
299
5,049
10,126
2,379
2,398
   
Net Change in Cash
-2,962
20,964
24,759
9,348
-2,591
   
Free Cash Flow
-11,147
24,412
13,851
6,744
-6,158
Valuation Ratios (Daily)AnnualsSemi-Annual
Fiscal Period
Dec11 Dec12 Latest Q. Mar12 Mar13
   
Valuation and QualityAnnualsSemi-Annual
Fiscal Period
Dec11 Dec12 Latest Q. Mar12 Mar13
   
Net Cash (per share) Premium Member Only Premium Member Only
Net Current Asset Value (per share) 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
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