European Shorting
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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | -11.4 | -31.4 | 2 |
| EBITDA Growth (%) | 0 | 0 | 0 |
| Free Cash Flow Growth (%) | 0 | 0 | -30 |
| Book Value Growth (%) | -11.8 | -11.8 | -7.3 |
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 ($) | 5.25 |
5.09 |
4.92 |
4.81 |
4.96 |
5.34 |
5.07 |
4.48 |
1.53 |
1.48 |
1.52 |
0.35 |
0.38 |
0.39 |
0.36 |
0.39 |
| EBITDA per Share | 1.65 |
1.70 |
1.60 |
1.40 |
1.50 |
1.26 |
-0.99 |
-5.82 |
-0.72 |
-0.44 |
-0.08 |
-0.29 |
0.05 |
0.05 |
-0.25 |
0.07 |
| Free Cashflow per Share | 1.17 |
1.64 |
1.25 |
1.10 |
1.64 |
1.84 |
-0.19 |
1.15 |
0.31 |
-0.48 |
0.07 |
-- |
0.10 |
-0.36 |
-0.22 |
0.55 |
| Earnings per Share ($) | 0.75 |
0.83 |
0.83 |
0.70 |
0.78 |
0.62 |
-0.97 |
-6.56 |
-0.88 |
-0.59 |
-0.23 |
-0.33 |
0.02 |
0.01 |
-0.29 |
0.03 |
| Book Value per Share | 10.88 |
13.10 |
12.56 |
13.87 |
14.54 |
14.96 |
15.41 |
9.49 |
4.03 |
3.06 |
3.06 |
3.30 |
3.31 |
3.34 |
3.05 |
3.06 |
| Month End Stock Price | 19.89 |
19.06 |
16.41 |
18.20 |
14.31 |
7.13 |
3.75 |
4.64 |
2.42 |
3.54 |
3.41 |
3.53 |
2.68 |
3.37 |
3.54 |
3.41 |
| 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 % | 7.20 |
6.30 |
6.60 |
5.00 |
5.30 |
4.20 |
-4.80 |
-69.10 |
-21.80 |
-19.20 |
3.60 |
-39.60 |
2.00 |
1.60 |
-38.00 |
3.60 |
| Return on Assets % | 0.50 |
0.60 |
0.60 |
0.50 |
0.60 |
0.40 |
-0.50 |
-5.40 |
-2.10 |
-1.60 |
0.40 |
-3.60 |
-- |
-- |
-3.20 |
0.40 |
| Return on Capital - Joel Greenblatt % | -- |
98.60 |
120 |
-- |
99.60 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 1.27 |
0.49 |
0.46 |
0.48 |
0.46 |
0.39 |
0.33 |
0.39 |
0.33 |
0.38 |
0.61 |
0.36 |
0.35 |
0.35 |
0.38 |
0.61 |
| Operating Margin % | 21.00 |
23.20 |
24.90 |
21.60 |
22.40 |
15.10 |
-28.60 |
-139 |
-57.70 |
-39.70 |
7.20 |
-93.10 |
4.10 |
3.50 |
-81.20 |
7.20 |
| Net Margin % | 14.90 |
16.30 |
16.90 |
14.50 |
15.70 |
11.60 |
-14.60 |
-147 |
-57.70 |
-39.70 |
7.20 |
-93.10 |
4.10 |
3.60 |
-81.10 |
7.20 |
| Debt to Revenue | 2.63 |
1.26 |
1.18 |
1.39 |
1.35 |
1.09 |
0.99 |
0.83 |
0.88 |
0.79 |
4.75 |
3.33 |
3.10 |
2.96 |
3.26 |
4.75 |
| Interest Exp. to Revenue % | 80.64 |
82.37 |
84.21 |
83.38 |
80.00 |
77.86 |
85.44 |
87.74 |
88.49 |
76.88 |
67.96 |
81.71 |
76.78 |
71.74 |
77.92 |
67.96 |
| Asset Turnover | 0.03 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.03 |
0.04 |
0.04 |
0.04 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
0.70 |
57.60 |
148 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 72.29 |
89.32 |
97.52 |
99.08 |
98.84 |
99.66 |
100 |
111 |
104 |
97.85 |
96.28 |
24.65 |
24.88 |
24.33 |
23.98 |
23.08 |
| Non Interest Income | 17.36 |
19.12 |
18.29 |
19.75 |
24.71 |
28.34 |
17.07 |
15.51 |
13.47 |
29.43 |
34.79 |
5.52 |
7.53 |
9.59 |
6.79 |
10.88 |
| Revenue | 89.64 |
108 |
116 |
119 |
124 |
128 |
117 |
126 |
117 |
127 |
131 |
30.17 |
32.41 |
33.92 |
30.78 |
33.96 |
| Selling, General, &Admin. Expense | 35.26 |
41.62 |
44.26 |
46.76 |
47.29 |
49.99 |
66.09 |
71.11 |
67.29 |
76.76 |
78.39 |
17.92 |
19.66 |
19.35 |
19.83 |
19.54 |
| Credit Losses Provision | 4.83 |
2.08 |
2.31 |
3.81 |
8.40 |
20.00 |
46.67 |
102 |
74.27 |
57.22 |
26.70 |
30.68 |
0.51 |
1.87 |
24.15 |
0.17 |
| Other Expenses | 21.48 |
28.53 |
31.49 |
33.63 |
30.50 |
27.93 |
27.32 |
118 |
30.96 |
31.14 |
33.04 |
6.64 |
7.75 |
8.24 |
8.51 |
8.54 |
| Earnings Before DDA | 28.08 |
36.22 |
37.75 |
34.63 |
37.36 |
30.09 |
-22.85 |
-165 |
-55.52 |
-37.85 |
-7.06 |
-25.08 |
4.48 |
4.46 |
-21.71 |
5.71 |
| Depreciation, Depletion and Amortization | 9.30 |
11.01 |
8.92 |
9.01 |
9.74 |
10.77 |
10.66 |
11.57 |
11.98 |
12.70 |
12.96 |
3.00 |
3.17 |
3.26 |
3.26 |
3.26 |
| Operating Income | 18.78 |
25.21 |
28.83 |
25.62 |
27.63 |
19.32 |
-33.51 |
-176 |
-67.50 |
-50.55 |
-20.02 |
-28.08 |
1.31 |
1.19 |
-24.98 |
2.45 |
| Net Income | 13.34 |
17.63 |
19.52 |
17.27 |
19.35 |
14.89 |
-17.13 |
-185 |
-67.51 |
-50.49 |
-19.96 |
-28.08 |
1.31 |
1.23 |
-24.96 |
2.45 |
| Preferred dividends | -- |
-- |
-- |
-- |
-- |
-- |
5.35 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Earnings per Share ($) | 0.75 |
0.83 |
0.83 |
0.70 |
0.78 |
0.62 |
-0.97 |
-6.56 |
-0.88 |
-0.59 |
-0.23 |
-0.33 |
0.02 |
0.01 |
-0.29 |
0.03 |
| Total Shares Outstanding | 17.07 |
21.31 |
23.53 |
24.68 |
24.91 |
23.96 |
23.13 |
28.26 |
76.65 |
85.94 |
86.37 |
85.78 |
85.92 |
86.05 |
86.09 |
86.37 |
| 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 | 81.63 |
70.90 |
77.09 |
123 |
83.86 |
58.02 |
59.12 |
187 |
120 |
170 |
312 |
87.55 |
116 |
83.85 |
170 |
312 |
| Money Market Investments | 0.49 |
4.00 |
8.37 |
47.04 |
2.65 |
0.41 |
-- |
-- |
-- |
17.89 |
17.13 |
15.85 |
16.65 |
18.04 |
17.89 |
17.13 |
| Net Loan | 1,364 |
1,848 |
2,028 |
2,360 |
2,483 |
2,703 |
2,658 |
2,453 |
2,273 |
2,351 |
2,246 |
2,198 |
2,218 |
2,323 |
2,351 |
2,246 |
| Securities & Investments | 963 |
862 |
709 |
487 |
462 |
454 |
442 |
476 |
517 |
444 |
319 |
561 |
533 |
509 |
444 |
319 |
| Accounts Receivable | 11.27 |
12.52 |
15.15 |
17.42 |
15.02 |
12.25 |
12.24 |
10.00 |
8.91 |
8.05 |
110 |
8.56 |
8.13 |
8.18 |
8.05 |
110 |
| Property, Plant and Equipment | 34.09 |
36.83 |
42.11 |
42.29 |
48.12 |
50.60 |
53.25 |
53.43 |
54.76 |
50.81 |
49.48 |
53.66 |
52.12 |
51.63 |
50.81 |
49.48 |
| Intangible Assets | 76.80 |
140 |
135 |
157 |
151 |
147 |
142 |
48.82 |
45.14 |
41.45 |
40.53 |
44.21 |
43.29 |
42.37 |
41.45 |
40.53 |
| Other Assets | 67.32 |
79.42 |
93.51 |
92.09 |
92.81 |
198 |
213 |
189 |
166 |
141 |
134 |
144 |
146 |
145 |
141 |
134 |
| Total Assets | 2,599 |
3,054 |
3,108 |
3,326 |
3,338 |
3,622 |
3,579 |
3,418 |
3,184 |
3,224 |
3,227 |
3,113 |
3,133 |
3,180 |
3,224 |
3,227 |
| Total Deposits | 2,111 |
2,430 |
2,472 |
2,668 |
2,699 |
2,896 |
2,909 |
2,940 |
2,668 |
2,713 |
2,723 |
2,632 |
2,608 |
2,647 |
2,713 |
2,723 |
| Current Portion of Long-Term Debt | 19.30 |
59.64 |
59.02 |
51.74 |
63.48 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Long-Term Debt | 217 |
77.32 |
77.32 |
114 |
103 |
140 |
116 |
105 |
103 |
100 |
161 |
101 |
101 |
100 |
100 |
161 |
| Other liabilities | 66.51 |
207 |
204 |
150 |
110 |
227 |
197 |
104 |
103 |
148 |
78.06 |
97.86 |
140 |
146 |
148 |
78.06 |
| Total Liabilities | 2,414 |
2,774 |
2,812 |
2,983 |
2,976 |
3,264 |
3,222 |
3,149 |
2,875 |
2,961 |
2,963 |
2,830 |
2,849 |
2,893 |
2,961 |
2,963 |
| Common Stock | 13.38 |
17.21 |
18.17 |
20.51 |
22.72 |
24.04 |
25.44 |
52.46 |
87.83 |
88.30 |
88.40 |
87.92 |
88.07 |
88.17 |
88.30 |
88.40 |
| Retained Earnings | 20.06 |
21.72 |
20.76 |
20.79 |
20.34 |
22.58 |
-4.60 |
-190 |
-258 |
-308 |
-306 |
-286 |
-284 |
-283 |
-308 |
-306 |
| Additional Paid-In Capital | 152 |
244 |
264 |
305 |
337 |
351 |
362 |
438 |
505 |
507 |
507 |
505 |
506 |
506 |
507 |
507 |
| Treasury Stock | -1.05 |
-1.05 |
-- |
-- |
-16.53 |
-26.16 |
-26.16 |
-26.16 |
-26.16 |
-26.16 |
-26.16 |
-26.16 |
-26.16 |
-26.16 |
-26.16 |
-26.16 |
| Total Equity | 186 |
279 |
296 |
342 |
362 |
359 |
357 |
268 |
309 |
263 |
264 |
283 |
285 |
287 |
263 |
264 |
| 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 | 13.34 |
17.63 |
19.52 |
17.27 |
19.35 |
14.89 |
-17.13 |
-185 |
-67.51 |
-50.49 |
-19.96 |
-28.08 |
1.31 |
1.23 |
-24.96 |
2.45 |
| Depreciation, Depletion and Amortization | 9.30 |
11.01 |
8.92 |
9.01 |
9.74 |
10.77 |
10.66 |
11.57 |
11.98 |
12.70 |
12.96 |
3.00 |
3.17 |
3.26 |
3.26 |
3.26 |
| Cash Flow from Others | -2.66 |
6.30 |
1.08 |
0.99 |
11.71 |
18.53 |
8.38 |
211 |
87.94 |
0.15 |
17.00 |
25.64 |
5.36 |
-34.73 |
3.88 |
42.48 |
| Cash Flow from Operations | 19.97 |
34.93 |
29.52 |
27.27 |
40.80 |
44.19 |
1.91 |
37.61 |
32.42 |
-37.64 |
9.99 |
0.56 |
9.85 |
-30.24 |
-17.81 |
48.19 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-6.29 |
-5.09 |
-8.38 |
-3.87 |
-3.93 |
-0.37 |
-1.33 |
-1.17 |
-1.01 |
-0.42 |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-15.10 |
-19.04 |
-83.84 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | -423 |
-42.66 |
-50.14 |
62.70 |
-175 |
-351 |
0.21 |
72.74 |
75.45 |
2.47 |
82.55 |
3.31 |
23.30 |
-68.31 |
44.17 |
83.39 |
| Net Issuance of Stock | 31.14 |
0.86 |
0.65 |
0.10 |
-6.40 |
-8.79 |
0.12 |
107 |
99.55 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Issuance of Preferred Stock | -- |
-- |
-- |
-- |
-- |
-- |
-0.11 |
-7.50 |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Issuance of Debt | 27.84 |
22.21 |
-10.74 |
-58.35 |
-16.72 |
-5.27 |
-26.98 |
-11.41 |
-1.51 |
58.42 |
58.41 |
-0.39 |
19.61 |
29.60 |
9.60 |
-0.41 |
| Cash Flow for Dividends | -0.01 |
-0.01 |
-0.01 |
-- |
-- |
-- |
-1.11 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other Financing | 361 |
-22.55 |
41.29 |
52.91 |
73.80 |
293 |
26.65 |
-70.18 |
-273 |
26.55 |
73.16 |
-35.75 |
-24.41 |
36.91 |
49.80 |
10.87 |
| Cash Flow from Financing | 420 |
0.51 |
31.18 |
-5.34 |
50.68 |
279 |
-1.43 |
17.76 |
-175 |
84.97 |
132 |
-36.13 |
-4.81 |
66.51 |
59.40 |
10.47 |
| Net Change in Cash | 16.50 |
-7.22 |
10.56 |
84.64 |
-83.59 |
-28.08 |
0.69 |
128 |
-67.40 |
49.79 |
224 |
-32.27 |
28.34 |
-32.04 |
85.76 |
142 |
| Free Cash Flow | 19.97 |
34.93 |
29.52 |
27.27 |
40.80 |
44.19 |
-4.39 |
32.52 |
24.03 |
-41.51 |
6.06 |
0.19 |
8.52 |
-31.41 |
-18.82 |
47.77 |
| 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-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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| 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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