European Shorting
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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 0.3 | -0.4 | -10.6 |
| EBITDA Growth (%) | 0 | 0 | 0 |
| Free Cash Flow Growth (%) | -4.4 | 32.3 | 12.4 |
| Book Value Growth (%) | -0.8 | -0.8 | 6.1 |
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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 ($) | 6.41 |
6.97 |
7.18 |
7.67 |
7.46 |
6.90 |
6.99 |
7.47 |
7.33 |
6.60 |
6.55 |
1.63 |
1.65 |
1.62 |
1.71 |
1.57 |
| EBITDA per Share | 2.84 |
3.17 |
3.18 |
3.51 |
-0.01 |
1.36 |
1.19 |
0.48 |
-1.70 |
0.61 |
1.18 |
-0.34 |
0.36 |
0.31 |
0.28 |
0.23 |
| Free Cashflow per Share | 2.48 |
3.02 |
2.90 |
2.77 |
3.18 |
1.63 |
0.40 |
2.67 |
2.65 |
2.57 |
2.91 |
0.73 |
0.58 |
0.51 |
0.74 |
1.08 |
| Earnings per Share ($) | 1.77 |
2.04 |
2.12 |
2.24 |
0.06 |
0.89 |
0.79 |
0.34 |
-1.51 |
0.36 |
0.73 |
-0.21 |
0.23 |
0.20 |
0.15 |
0.15 |
| Dividends Per Share | 0.67 |
0.72 |
0.80 |
0.92 |
1.04 |
1.08 |
0.60 |
0.44 |
0.04 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Book Value per Share | 11.40 |
12.71 |
13.67 |
14.39 |
12.89 |
13.03 |
13.54 |
13.50 |
11.01 |
11.40 |
11.46 |
10.80 |
11.09 |
11.31 |
11.40 |
11.46 |
| Month End Stock Price | 28.95 |
33.41 |
26.81 |
29.23 |
17.12 |
19.91 |
17.14 |
11.21 |
4.16 |
5.36 |
8.10 |
5.51 |
5.48 |
5.63 |
5.36 |
8.10 |
| 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 % | 15.60 |
16.10 |
15.50 |
15.60 |
0.40 |
6.80 |
5.80 |
2.60 |
-13.70 |
3.20 |
5.20 |
-7.60 |
8.40 |
6.80 |
5.20 |
5.20 |
| Return on Assets % | 2.00 |
2.20 |
2.20 |
2.20 |
0.10 |
0.80 |
0.70 |
0.30 |
-1.50 |
0.40 |
0.80 |
-0.80 |
0.80 |
0.80 |
0.80 |
0.80 |
| Return on Capital - Joel Greenblatt % | 1,259 |
282 |
-- |
-- |
-10.00 |
117 |
116 |
52.90 |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 1.34 |
1.11 |
1.03 |
0.98 |
1.12 |
1.17 |
1.05 |
0.38 |
0.31 |
0.01 |
0.01 |
0.16 |
0.01 |
0.02 |
0.01 |
0.01 |
| Operating Margin % | 39.90 |
42.50 |
41.70 |
43.70 |
-1.90 |
18.00 |
15.00 |
4.80 |
-34.10 |
7.40 |
13.00 |
-22.60 |
20.10 |
17.40 |
14.30 |
13.00 |
| Net Margin % | 27.70 |
29.30 |
29.60 |
29.20 |
0.80 |
12.90 |
11.30 |
4.60 |
-20.60 |
5.50 |
9.40 |
-12.60 |
13.80 |
12.10 |
8.60 |
9.40 |
| Debt to Revenue | 2.38 |
2.02 |
1.97 |
1.83 |
1.93 |
2.22 |
2.04 |
0.69 |
0.46 |
0.02 |
0.04 |
1.04 |
0.07 |
0.14 |
0.06 |
0.04 |
| Interest Exp. to Revenue % | 86.27 |
87.52 |
88.56 |
88.49 |
87.92 |
84.49 |
81.47 |
77.37 |
80.19 |
86.00 |
82.79 |
87.03 |
86.56 |
85.10 |
85.35 |
82.79 |
| Asset Turnover | 0.07 |
0.08 |
0.07 |
0.08 |
0.07 |
0.06 |
0.06 |
0.07 |
0.07 |
0.07 |
0.02 |
0.02 |
0.02 |
0.02 |
0.02 |
0.02 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
0.30 |
-5.10 |
-- | -- |
-4.20 |
-2.30 |
-2.90 |
-- |
| Dividend Payout Ratio | 0.38 |
0.35 |
0.38 |
0.41 |
18.40 |
1.22 |
0.76 |
1.28 |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 35.59 |
39.23 |
40.87 |
43.23 |
40.52 |
35.20 |
34.27 |
34.76 |
35.33 |
34.20 |
33.45 |
8.55 |
8.57 |
8.30 |
8.78 |
7.81 |
| Non Interest Income | 5.66 |
5.60 |
5.28 |
5.62 |
5.57 |
6.46 |
7.80 |
10.17 |
8.73 |
5.57 |
5.91 |
1.27 |
1.33 |
1.45 |
1.51 |
1.62 |
| Revenue | 41.25 |
44.82 |
46.15 |
48.85 |
46.09 |
41.67 |
42.07 |
44.92 |
44.06 |
39.76 |
39.37 |
9.82 |
9.90 |
9.75 |
10.29 |
9.43 |
| Selling, General, &Admin. Expense | 12.38 |
12.96 |
14.15 |
14.43 |
15.45 |
12.98 |
13.59 |
13.77 |
14.49 |
14.59 |
14.84 |
3.76 |
3.71 |
3.43 |
3.68 |
4.01 |
| Credit Losses Provision | 3.51 |
3.72 |
3.85 |
3.73 |
21.15 |
8.90 |
9.10 |
10.66 |
18.80 |
4.34 |
2.63 |
2.22 |
0.47 |
0.49 |
1.16 |
0.51 |
| Other Expenses | 7.13 |
7.72 |
7.69 |
8.37 |
9.56 |
11.57 |
12.18 |
17.60 |
21.00 |
17.18 |
14.81 |
5.88 |
3.55 |
3.97 |
3.78 |
3.52 |
| Earnings Before DDA | 18.24 |
20.41 |
20.46 |
22.33 |
-0.08 |
8.22 |
7.19 |
2.90 |
-10.24 |
3.66 |
7.09 |
-2.04 |
2.17 |
1.86 |
1.66 |
1.40 |
| Depreciation, Depletion and Amortization | 1.80 |
1.36 |
1.23 |
0.99 |
0.79 |
0.73 |
0.87 |
0.76 |
4.79 |
0.72 |
0.70 |
0.18 |
0.18 |
0.16 |
0.19 |
0.17 |
| Operating Income | 16.44 |
19.05 |
19.24 |
21.34 |
-0.87 |
7.49 |
6.32 |
2.14 |
-15.03 |
2.94 |
6.39 |
-2.22 |
1.99 |
1.70 |
1.47 |
1.23 |
| Net Income | 11.42 |
13.13 |
13.66 |
14.25 |
0.35 |
5.37 |
4.75 |
2.07 |
-9.08 |
2.20 |
4.32 |
-1.24 |
1.37 |
1.18 |
0.88 |
0.89 |
| Earnings per Share ($) | 1.77 |
2.04 |
2.12 |
2.24 |
0.06 |
0.89 |
0.79 |
0.34 |
-1.51 |
0.36 |
0.73 |
-0.21 |
0.23 |
0.20 |
0.15 |
0.15 |
| Total Shares Outstanding | 6.43 |
6.43 |
6.43 |
6.37 |
6.17 |
6.04 |
6.02 |
6.01 |
6.01 |
6.02 |
6.02 |
6.02 |
6.02 |
6.02 |
6.02 |
6.02 |
| 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 | 12.64 |
13.95 |
21.55 |
28.46 |
20.67 |
13.37 |
12.45 |
13.53 |
52.80 |
54.13 |
68.60 |
69.93 |
74.80 |
61.84 |
54.13 |
68.60 |
| Money Market Investments | -- |
-- |
5.20 |
5.21 |
5.10 |
6.34 |
4.55 |
-- |
-- |
5.00 |
5.00 |
-- |
-- |
5.00 |
5.00 |
5.00 |
| Net Loan | 380 |
397 |
432 |
442 |
428 |
399 |
403 |
396 |
381 |
337 |
321 |
366 |
355 |
345 |
337 |
321 |
| Securities & Investments | 139 |
128 |
111 |
120 |
147 |
184 |
196 |
137 |
123 |
114 |
119 |
119 |
113 |
115 |
114 |
119 |
| Accounts Receivable | 4.97 |
4.65 |
5.21 |
6.10 |
6.14 |
4.84 |
5.10 |
5.11 |
3.96 |
3.10 |
2.70 |
3.54 |
3.37 |
3.31 |
3.10 |
2.70 |
| Property, Plant and Equipment | 11.36 |
19.77 |
19.43 |
18.86 |
18.13 |
17.50 |
17.25 |
16.61 |
9.05 |
8.90 |
8.78 |
9.08 |
9.04 |
8.95 |
8.90 |
8.78 |
| Intangible Assets | -- |
-- |
4.10 |
4.10 |
4.10 |
4.10 |
4.10 |
4.10 |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other Assets | 19.37 |
23.14 |
23.70 |
22.24 |
31.60 |
38.16 |
49.81 |
54.61 |
51.58 |
44.85 |
39.99 |
50.22 |
48.04 |
45.73 |
44.85 |
39.99 |
| Total Assets | 567 |
586 |
621 |
646 |
660 |
668 |
692 |
627 |
622 |
567 |
565 |
617 |
603 |
584 |
567 |
565 |
| Total Deposits | 388 |
400 |
426 |
450 |
479 |
485 |
513 |
504 |
527 |
489 |
487 |
534 |
527 |
507 |
489 |
487 |
| Accounts Payable | -- |
-- |
2.43 |
-- |
-- |
3.40 |
2.48 |
2.24 |
0.79 |
0.41 |
0.29 |
0.68 |
0.57 |
0.52 |
0.41 |
0.29 |
| Current Portion of Long-Term Debt | 2.59 |
0.94 |
1.25 |
1.76 |
11.21 |
2.29 |
0.62 |
0.97 |
0.36 |
0.64 |
0.40 |
0.23 |
0.71 |
1.33 |
0.64 |
0.40 |
| Long-Term Debt | 95.76 |
89.64 |
89.59 |
87.55 |
77.52 |
90.00 |
85.00 |
30.00 |
20.00 |
-- |
-- | 10.00 |
-- |
-- |
-- |
-- |
| Other liabilities | 7.84 |
13.38 |
14.10 |
15.33 |
13.04 |
8.53 |
9.14 |
9.08 |
7.37 |
8.39 |
8.15 |
7.89 |
8.00 |
7.73 |
8.39 |
8.15 |
| Total Liabilities | 494 |
504 |
534 |
555 |
580 |
589 |
610 |
546 |
556 |
498 |
496 |
552 |
537 |
516 |
498 |
496 |
| Common Stock | 0.07 |
0.07 |
0.07 |
0.07 |
0.07 |
0.07 |
0.07 |
0.07 |
0.07 |
0.07 |
0.07 |
-- |
0.07 |
0.07 |
0.07 |
0.07 |
| Retained Earnings | 73.79 |
82.29 |
89.84 |
96.71 |
89.35 |
88.00 |
88.97 |
89.66 |
75.09 |
77.29 |
78.17 |
73.85 |
75.22 |
76.40 |
77.29 |
78.17 |
| Additional Paid-In Capital | 9.23 |
9.23 |
9.23 |
9.23 |
9.23 |
9.23 |
9.23 |
9.23 |
9.26 |
9.28 |
9.28 |
9.33 |
9.26 |
9.28 |
9.28 |
9.28 |
| Treasury Stock | -10.75 |
-10.80 |
-10.88 |
-14.15 |
-19.96 |
-21.12 |
-21.13 |
-21.21 |
-21.21 |
-21.12 |
-21.12 |
-21.15 |
-21.15 |
-21.12 |
-21.12 |
-21.12 |
| Total Equity | 73.33 |
81.75 |
87.88 |
91.60 |
79.57 |
78.66 |
81.46 |
81.17 |
66.22 |
68.66 |
69.02 |
64.97 |
66.75 |
68.11 |
68.66 |
69.02 |
| 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 | 11.42 |
13.13 |
13.66 |
14.25 |
0.35 |
5.37 |
4.75 |
2.07 |
-9.08 |
2.20 |
4.32 |
-1.24 |
1.37 |
1.18 |
0.88 |
0.89 |
| Depreciation, Depletion and Amortization | 1.80 |
1.36 |
1.23 |
0.99 |
0.79 |
0.73 |
0.87 |
0.76 |
4.79 |
0.72 |
0.70 |
0.18 |
0.18 |
0.16 |
0.19 |
0.17 |
| Cash Flow from Others | 2.75 |
4.94 |
3.76 |
2.39 |
18.49 |
3.72 |
-2.58 |
13.59 |
20.71 |
13.12 |
12.96 |
5.64 |
2.03 |
1.89 |
3.57 |
5.48 |
| Cash Flow from Operations | 15.96 |
19.43 |
18.64 |
17.62 |
19.63 |
9.82 |
3.05 |
16.42 |
16.43 |
16.03 |
17.98 |
4.59 |
3.58 |
3.23 |
4.64 |
6.53 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-0.67 |
-0.35 |
-0.50 |
-0.57 |
-0.40 |
-0.21 |
-0.08 |
-0.13 |
-0.15 |
-0.04 |
| Cash Flow from Acquisitions | -- |
-- |
-0.07 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | -40.48 |
-18.46 |
-30.89 |
-22.93 |
-42.18 |
-19.56 |
-21.61 |
51.57 |
10.12 |
42.95 |
37.35 |
16.03 |
17.23 |
3.75 |
5.94 |
10.43 |
| Net Issuance of Stock | 0.07 |
-0.05 |
-0.08 |
-- |
-- |
-1.16 |
-0.01 |
-0.08 |
0.02 |
0.11 |
0.05 |
0.06 |
-0.00 |
0.03 |
0.03 |
-- |
| Net Issuance of Preferred Stock | -- |
-- |
-- |
-3.27 |
-5.81 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Issuance of Debt | -9.92 |
-7.76 |
0.26 |
-1.53 |
-0.58 |
3.56 |
-6.67 |
-54.65 |
-10.62 |
-19.72 |
-9.83 |
-10.13 |
-9.51 |
0.62 |
-0.70 |
-0.24 |
| Cash Flow for Dividends | -4.31 |
-4.63 |
-6.11 |
-6.82 |
-7.34 |
-6.54 |
-3.62 |
-2.65 |
-0.24 |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other Financing | 34.58 |
12.78 |
25.78 |
23.83 |
28.49 |
6.56 |
27.94 |
-9.52 |
23.54 |
-38.04 |
-46.88 |
6.59 |
-6.41 |
-20.59 |
-17.62 |
-2.25 |
| Cash Flow from Financing | 20.42 |
0.33 |
19.85 |
12.21 |
14.76 |
2.44 |
17.63 |
-66.90 |
12.71 |
-57.65 |
-56.65 |
-3.49 |
-15.93 |
-19.95 |
-18.29 |
-2.49 |
| Net Change in Cash | -4.10 |
1.30 |
7.60 |
6.91 |
-7.79 |
-7.30 |
-0.92 |
1.08 |
39.27 |
1.33 |
-1.33 |
17.13 |
4.88 |
-12.97 |
-7.71 |
14.47 |
| Free Cash Flow | 15.96 |
19.43 |
18.64 |
17.62 |
19.63 |
9.82 |
2.38 |
16.07 |
15.93 |
15.46 |
17.58 |
4.37 |
3.50 |
3.10 |
4.49 |
6.49 |
| 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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| 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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| Piotroski F-Score | |
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