European Shorting
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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | -0.4 | -6.1 | -7.3 |
| EBITDA Growth (%) | 0 | 0 | 0 |
| Free Cash Flow Growth (%) | -6.6 | -13.6 | 60 |
| Book Value Growth (%) | 3.2 | 3.2 | 9.7 |
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 ($) | 1.95 |
2.13 |
2.57 |
3.05 |
3.20 |
2.67 |
2.41 |
2.38 |
2.22 |
2.03 |
2.03 |
0.49 |
0.68 |
0.48 |
0.40 |
0.47 |
| EBITDA per Share | 1.02 |
1.07 |
1.36 |
1.66 |
1.42 |
0.58 |
-0.30 |
-0.38 |
-0.75 |
0.64 |
0.65 |
0.13 |
0.29 |
0.18 |
0.05 |
0.13 |
| Free Cashflow per Share | 0.91 |
0.70 |
1.01 |
1.17 |
1.31 |
0.87 |
0.90 |
0.62 |
0.34 |
0.68 |
0.48 |
0.13 |
0.18 |
0.16 |
0.15 |
-0.01 |
| Earnings per Share ($) | 0.58 |
0.61 |
0.80 |
0.97 |
0.78 |
0.28 |
-0.31 |
-0.31 |
-0.75 |
0.42 |
0.42 |
0.08 |
0.16 |
0.10 |
0.10 |
0.07 |
| Dividends Per Share | 0.29 |
0.26 |
0.22 |
0.35 |
0.41 |
0.31 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Book Value per Share | 3.38 |
3.89 |
4.26 |
4.77 |
5.70 |
5.52 |
5.28 |
5.15 |
4.33 |
4.83 |
4.86 |
4.43 |
4.63 |
4.76 |
4.69 |
4.86 |
| Month End Stock Price | 11.29 |
10.55 |
12.62 |
19.95 |
12.58 |
9.68 |
3.83 |
3.40 |
2.06 |
2.51 |
4.45 |
2.34 |
2.32 |
2.46 |
2.51 |
4.45 |
| 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 % | 17.10 |
15.80 |
18.70 |
20.20 |
13.70 |
5.10 |
-6.00 |
-6.10 |
-17.40 |
8.70 |
6.00 |
6.80 |
13.20 |
8.00 |
8.40 |
6.00 |
| Return on Assets % | 1.50 |
1.40 |
1.80 |
2.00 |
1.50 |
0.50 |
-0.70 |
-0.70 |
-1.70 |
0.90 |
0.80 |
0.80 |
1.60 |
0.80 |
0.80 |
0.80 |
| Return on Capital - Joel Greenblatt % | -- |
-- |
-- |
-- |
-- |
-- |
-20.70 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 0.34 |
0.29 |
0.26 |
0.23 |
0.55 |
2.10 |
0.67 |
0.58 |
0.15 |
0.15 |
0.15 |
0.15 |
0.14 |
0.14 |
0.15 |
0.15 |
| Operating Margin % | 47.70 |
45.80 |
49.00 |
50.70 |
38.50 |
14.70 |
-19.30 |
-22.60 |
-39.30 |
26.00 |
25.20 |
21.30 |
37.90 |
31.70 |
5.40 |
25.20 |
| Net Margin % | 29.70 |
28.80 |
31.00 |
31.60 |
24.30 |
10.60 |
-13.10 |
-13.10 |
-33.90 |
20.80 |
15.80 |
15.10 |
22.60 |
20.20 |
25.00 |
15.80 |
| Debt to Revenue | 0.59 |
0.53 |
0.44 |
0.37 |
0.99 |
4.33 |
1.46 |
1.26 |
0.28 |
0.35 |
1.57 |
1.37 |
0.96 |
1.41 |
1.71 |
1.57 |
| Interest Exp. to Revenue % | 75.82 |
83.32 |
82.32 |
78.61 |
79.10 |
78.36 |
81.80 |
82.45 |
78.41 |
79.09 |
77.31 |
87.15 |
61.96 |
83.20 |
91.85 |
77.31 |
| Asset Turnover | 0.05 |
0.05 |
0.06 |
0.06 |
0.06 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.01 |
0.01 |
0.02 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-4.90 |
-- | -- |
-- |
-- |
-17.90 |
-- |
| Dividend Payout Ratio | 0.50 |
0.42 |
0.28 |
0.36 |
0.52 |
1.11 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 19.67 |
24.32 |
29.24 |
33.18 |
36.58 |
30.21 |
28.35 |
27.90 |
24.98 |
23.09 |
22.27 |
6.08 |
5.97 |
5.62 |
5.42 |
5.26 |
| Non Interest Income | 6.27 |
4.87 |
6.28 |
9.03 |
9.66 |
8.34 |
6.31 |
5.94 |
6.88 |
6.11 |
6.82 |
0.90 |
3.66 |
1.14 |
0.48 |
1.54 |
| Revenue | 25.94 |
29.18 |
35.52 |
42.21 |
46.25 |
38.55 |
34.65 |
33.84 |
31.85 |
29.20 |
29.09 |
6.98 |
9.63 |
6.76 |
5.90 |
6.80 |
| Selling, General, &Admin. Expense | 5.09 |
6.66 |
8.05 |
9.92 |
10.83 |
10.61 |
10.47 |
12.13 |
11.82 |
10.82 |
10.71 |
2.95 |
2.76 |
2.50 |
2.61 |
2.84 |
| Credit Losses Provision | 1.71 |
1.15 |
1.14 |
0.88 |
5.70 |
9.60 |
13.38 |
12.48 |
13.60 |
1.02 |
1.01 |
0.00 |
1.00 |
0.00 |
0.01 |
-0.01 |
| Other Expenses | 5.52 |
6.67 |
7.55 |
8.36 |
9.25 |
9.92 |
15.10 |
14.64 |
17.20 |
8.21 |
8.15 |
2.16 |
1.80 |
1.70 |
2.62 |
2.03 |
| Earnings Before DDA | 13.62 |
14.71 |
18.78 |
23.05 |
20.47 |
8.43 |
-4.29 |
-5.40 |
-10.76 |
9.15 |
9.22 |
1.86 |
4.06 |
2.55 |
0.67 |
1.94 |
| Depreciation, Depletion and Amortization | 1.25 |
1.33 |
1.39 |
1.66 |
2.66 |
2.75 |
2.40 |
2.26 |
1.77 |
1.54 |
1.39 |
0.38 |
0.41 |
0.41 |
0.35 |
0.23 |
| Operating Income | 12.37 |
13.37 |
17.40 |
21.40 |
17.82 |
5.68 |
-6.69 |
-7.66 |
-12.53 |
7.60 |
7.83 |
1.49 |
3.65 |
2.14 |
0.32 |
1.72 |
| Net Income | 7.71 |
8.41 |
11.01 |
13.36 |
11.26 |
4.07 |
-4.54 |
-4.44 |
-10.81 |
6.07 |
6.09 |
1.05 |
2.17 |
1.37 |
1.48 |
1.08 |
| Earnings per Share ($) | 0.58 |
0.61 |
0.80 |
0.97 |
0.78 |
0.28 |
-0.31 |
-0.31 |
-0.75 |
0.42 |
0.42 |
0.08 |
0.16 |
0.10 |
0.10 |
0.07 |
| Total Shares Outstanding | 13.32 |
13.69 |
13.84 |
13.85 |
14.45 |
14.42 |
14.36 |
14.22 |
14.36 |
14.37 |
14.51 |
14.36 |
14.22 |
14.22 |
14.82 |
14.51 |
| 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 | 29.69 |
37.80 |
35.57 |
36.66 |
28.21 |
39.86 |
20.96 |
103 |
126 |
143 |
138 |
113 |
101 |
143 |
143 |
138 |
| Money Market Investments | 26.11 |
26.04 |
35.12 |
14.30 |
-- |
-- |
11.59 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Loan | 339 |
390 |
409 |
491 |
586 |
534 |
493 |
425 |
394 |
388 |
387 |
384 |
383 |
365 |
388 |
387 |
| Securities & Investments | 83.74 |
112 |
95.24 |
86.93 |
92.55 |
95.45 |
71.41 |
51.50 |
38.46 |
31.84 |
27.89 |
37.33 |
35.55 |
42.16 |
31.84 |
27.89 |
| Accounts Receivable | 2.11 |
2.52 |
3.39 |
4.24 |
3.66 |
2.39 |
2.50 |
2.15 |
1.95 |
1.69 |
1.61 |
1.73 |
1.76 |
1.62 |
1.69 |
1.61 |
| Property, Plant and Equipment | 4.57 |
8.10 |
11.03 |
15.30 |
15.57 |
14.29 |
13.30 |
12.91 |
12.68 |
12.26 |
12.04 |
12.73 |
12.57 |
12.50 |
12.26 |
12.04 |
| Intangible Assets | 1.95 |
4.09 |
3.55 |
3.01 |
15.04 |
13.42 |
9.43 |
7.19 |
5.04 |
4.74 |
4.69 |
4.95 |
4.87 |
4.79 |
4.74 |
4.69 |
| Other Assets | 19.71 |
30.56 |
35.56 |
26.67 |
31.11 |
62.00 |
70.70 |
77.11 |
72.34 |
66.96 |
65.45 |
70.61 |
66.42 |
65.01 |
66.96 |
65.45 |
| Total Assets | 507 |
612 |
629 |
678 |
772 |
761 |
693 |
678 |
651 |
649 |
637 |
624 |
606 |
634 |
649 |
637 |
| Total Deposits | 440 |
537 |
546 |
587 |
635 |
508 |
562 |
557 |
574 |
563 |
550 |
545 |
525 |
551 |
563 |
550 |
| Accounts Payable | 5.76 |
6.25 |
7.92 |
9.68 |
9.05 |
6.01 |
4.37 |
4.83 |
5.71 |
6.08 |
5.58 |
5.36 |
5.51 |
5.39 |
6.08 |
5.58 |
| Current Portion of Long-Term Debt | -- |
-- |
-- |
-- |
-- |
-- |
40.00 |
32.00 |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Long-Term Debt | 15.35 |
15.54 |
15.46 |
15.46 |
45.62 |
167 |
10.72 |
10.65 |
9.03 |
10.07 |
10.69 |
9.57 |
9.28 |
9.52 |
10.07 |
10.69 |
| Other liabilities | 0.00 |
0.00 |
-0.00 |
0.00 |
0.00 |
-- |
-0.00 |
0.00 |
-0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-0.00 |
0.00 |
0.00 |
| Total Liabilities | 462 |
558 |
570 |
612 |
689 |
681 |
617 |
605 |
589 |
579 |
566 |
560 |
540 |
566 |
579 |
566 |
| Common Stock | 18.23 |
22.32 |
22.08 |
-- |
-- |
-- |
37.58 |
39.87 |
-- |
43.17 |
-- | -- |
42.09 |
-- |
43.17 |
-- |
| Retained Earnings | 27.09 |
31.88 |
38.68 |
46.88 |
50.00 |
47.72 |
40.50 |
33.81 |
21.45 |
26.18 |
26.64 |
22.16 |
24.03 |
25.05 |
26.18 |
26.64 |
| Additional Paid-In Capital | -- |
-- |
-- |
20.45 |
32.59 |
34.81 |
37.58 |
39.87 |
41.44 |
43.17 |
43.80 |
41.77 |
42.09 |
42.43 |
43.17 |
43.80 |
| Total Equity | 45.04 |
53.24 |
59.01 |
66.04 |
82.43 |
79.61 |
75.82 |
73.27 |
62.17 |
69.44 |
70.47 |
63.59 |
65.82 |
67.67 |
69.44 |
70.47 |
| 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 | 7.71 |
8.41 |
11.01 |
13.36 |
11.26 |
4.07 |
-4.54 |
-4.44 |
-10.81 |
6.07 |
6.09 |
1.05 |
2.17 |
1.37 |
1.48 |
1.08 |
| Depreciation, Depletion and Amortization | 1.25 |
1.33 |
1.39 |
1.66 |
2.66 |
2.75 |
2.40 |
2.26 |
1.77 |
1.54 |
1.39 |
0.38 |
0.41 |
0.41 |
0.35 |
0.23 |
| Cash Flow from Others | 3.17 |
-0.14 |
1.61 |
1.14 |
5.06 |
5.76 |
15.50 |
11.79 |
14.81 |
2.10 |
-0.13 |
0.82 |
0.13 |
0.74 |
0.41 |
-1.41 |
| Cash Flow from Operations | 12.12 |
9.60 |
14.00 |
16.16 |
18.97 |
12.59 |
13.37 |
9.60 |
5.77 |
9.71 |
7.36 |
2.25 |
2.72 |
2.51 |
2.23 |
-0.10 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-0.41 |
-0.79 |
-0.91 |
-- |
-0.43 |
-0.34 |
-0.18 |
-0.25 |
-- |
-- |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-- |
6.37 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | 26.73 |
-44.01 |
-12.85 |
-69.81 |
-30.47 |
-9.38 |
58.32 |
71.72 |
35.03 |
18.58 |
13.92 |
13.05 |
6.62 |
13.57 |
-14.65 |
8.40 |
| Net Issuance of Stock | 0.60 |
-1.97 |
-0.26 |
-2.10 |
-9.59 |
-1.15 |
-0.00 |
-- |
-- |
0.30 |
0.30 |
-- |
-- |
-- |
0.30 |
-- |
| Net Issuance of Debt | -35.71 |
-0.27 |
-0.08 |
-- |
31.36 |
123 |
-- |
-7.93 |
-32.00 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow for Dividends | -3.10 |
-3.51 |
-3.98 |
-4.88 |
-5.93 |
-4.56 |
-0.01 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other Financing | 16.46 |
47.98 |
9.79 |
40.67 |
-22.11 |
-126 |
-61.87 |
-4.19 |
16.96 |
-11.14 |
4.39 |
-29.00 |
-20.43 |
26.05 |
12.23 |
-13.47 |
| Cash Flow from Financing | -21.74 |
42.23 |
5.47 |
33.69 |
-6.27 |
-9.08 |
-61.89 |
-12.12 |
-15.04 |
-10.85 |
4.69 |
-29.00 |
-20.43 |
26.05 |
12.53 |
-13.47 |
| Net Change in Cash | 17.11 |
7.82 |
6.62 |
-19.96 |
-17.77 |
-5.87 |
9.80 |
69.20 |
25.75 |
17.44 |
25.97 |
-13.70 |
-11.09 |
42.13 |
0.11 |
-5.18 |
| Free Cash Flow | 12.12 |
9.60 |
14.00 |
16.16 |
18.97 |
12.59 |
12.95 |
8.81 |
4.85 |
9.71 |
6.93 |
1.91 |
2.54 |
2.26 |
2.23 |
-0.10 |
| 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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| 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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| 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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