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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 0 | 28.2 | 44.1 |
| EBITDA Growth (%) | 0 | 0 | 0 |
| Free Cash Flow Growth (%) | 0 | 0 | 0 |
| Book Value Growth (%) | 0 | 2.8 | 20.2 |
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 |
Jun03 | Jun04 | Jun05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Revenue per Share ($) | -- |
-- |
-- |
1.32 |
1.32 |
1.55 |
1.83 |
2.88 |
2.90 |
4.27 |
4.51 |
0.83 |
1.09 |
1.23 |
1.13 |
1.06 |
| EBITDA per Share | -- |
-- |
-- |
0.49 |
0.16 |
-0.70 |
-0.31 |
-- |
-0.16 |
0.85 |
1.02 |
0.10 |
0.23 |
0.31 |
0.22 |
0.26 |
| Free Cashflow per Share | -- |
-- |
-- |
0.31 |
-0.01 |
0.79 |
-0.51 |
-0.46 |
1.10 |
-0.31 |
0.62 |
0.01 |
-0.61 |
0.40 |
-0.11 |
0.94 |
| Earnings per Share ($) | -- |
-- |
-- |
0.24 |
0.05 |
-0.87 |
-0.33 |
-0.06 |
-0.24 |
1.12 |
1.20 |
0.07 |
0.20 |
0.27 |
0.58 |
0.15 |
| Book Value per Share | -- |
-- |
-- |
7.29 |
6.39 |
5.61 |
5.50 |
5.59 |
5.38 |
6.50 |
6.61 |
5.50 |
5.65 |
5.93 |
6.48 |
6.61 |
| Month End Stock Price | -- |
-- |
-- |
17.82 |
12.82 |
3.35 |
2.05 |
3.25 |
1.89 |
7.80 |
8.27 |
3.15 |
3.80 |
5.19 |
7.80 |
8.27 |
| Ratios | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Jun03 | Jun04 | Jun05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Return on Equity % | 9.70 |
8.60 |
6.80 |
3.30 |
0.80 |
-15.40 |
-6.00 |
-1.10 |
-4.50 |
17.20 |
8.80 |
5.20 |
14.00 |
18.40 |
35.60 |
8.80 |
| Return on Assets % | 1.00 |
0.90 |
0.70 |
0.50 |
0.10 |
-1.40 |
-0.50 |
-0.10 |
-0.40 |
2.10 |
1.20 |
0.40 |
1.60 |
2.00 |
4.40 |
1.20 |
| Return on Capital - Joel Greenblatt % | -- |
-- |
-- |
65.40 |
1.60 |
-122 |
-27.50 |
-- |
-- |
75.90 |
175 |
-- |
114 |
109 |
75.60 |
175 |
| Debt to Equity | -- |
0.49 |
0.72 |
1.38 |
2.36 |
2.84 |
3.02 |
2.67 |
2.77 |
2.37 |
2.31 |
2.72 |
2.73 |
2.66 |
2.37 |
2.31 |
| Operating Margin % | -- |
-- |
-- |
29.20 |
3.10 |
-51.00 |
-20.40 |
-2.00 |
-7.70 |
17.10 |
22.70 |
8.80 |
18.40 |
22.40 |
16.00 |
22.70 |
| Net Margin % | 31.80 |
28.80 |
22.00 |
18.40 |
3.70 |
-55.90 |
-18.10 |
-2.10 |
-8.30 |
26.20 |
13.90 |
8.70 |
18.20 |
22.00 |
51.00 |
13.90 |
| Debt to Revenue | -- |
1.64 |
2.33 |
7.65 |
11.41 |
10.29 |
9.06 |
5.18 |
5.14 |
3.60 |
14.45 |
18.06 |
14.14 |
12.79 |
13.55 |
14.45 |
| Interest Exp. to Revenue % | 91.60 |
91.73 |
92.01 |
88.08 |
83.59 |
86.71 |
78.25 |
56.02 |
51.83 |
31.50 |
30.58 |
41.00 |
31.37 |
27.69 |
28.94 |
30.58 |
| Asset Turnover | 0.03 |
0.03 |
0.03 |
0.03 |
0.02 |
0.03 |
0.03 |
0.05 |
0.05 |
0.08 |
0.02 |
0.02 |
0.02 |
0.02 |
0.02 |
0.02 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Jun03 | Jun04 | Jun05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 31.93 |
33.66 |
38.14 |
38.45 |
34.84 |
41.05 |
43.91 |
49.66 |
46.52 |
41.95 |
41.66 |
10.43 |
10.63 |
10.64 |
10.26 |
10.15 |
| Non Interest Income | 2.99 |
3.04 |
3.31 |
5.20 |
6.84 |
6.29 |
12.21 |
38.99 |
43.23 |
91.20 |
99.24 |
15.00 |
23.25 |
27.78 |
25.18 |
23.03 |
| Revenue | 34.93 |
36.69 |
41.45 |
43.65 |
41.68 |
47.34 |
56.12 |
88.66 |
89.75 |
133 |
141 |
25.43 |
33.88 |
38.41 |
35.43 |
33.18 |
| Selling, General, &Admin. Expense | -- |
-- |
-- |
17.58 |
16.65 |
18.24 |
20.32 |
39.86 |
46.91 |
72.34 |
76.67 |
14.54 |
18.94 |
21.97 |
16.90 |
18.86 |
| Credit Losses Provision | 0.52 |
0.86 |
1.24 |
2.20 |
11.70 |
37.63 |
26.69 |
25.83 |
22.08 |
8.30 |
6.39 |
3.68 |
1.43 |
2.00 |
1.20 |
1.76 |
| Other Expenses | 17.62 |
18.84 |
21.92 |
7.55 |
8.37 |
12.86 |
18.59 |
22.91 |
25.83 |
26.07 |
26.20 |
4.27 |
6.44 |
4.84 |
10.52 |
4.40 |
| Earnings Before DDA | -- |
1.54 |
1.66 |
16.32 |
4.97 |
-21.39 |
-9.47 |
0.06 |
-5.07 |
26.44 |
31.65 |
2.94 |
7.08 |
9.60 |
6.82 |
8.15 |
| Depreciation, Depletion and Amortization | -- |
1.54 |
1.66 |
3.57 |
3.67 |
2.76 |
1.97 |
1.86 |
1.84 |
3.73 |
3.63 |
0.70 |
0.86 |
1.01 |
1.16 |
0.61 |
| Operating Income | -- |
-- |
-- |
12.75 |
1.30 |
-24.15 |
-11.44 |
-1.80 |
-6.91 |
22.71 |
28.02 |
2.24 |
6.22 |
8.59 |
5.66 |
7.55 |
| Net Income | 11.11 |
10.58 |
9.12 |
8.05 |
1.56 |
-26.45 |
-10.14 |
-1.85 |
-7.47 |
34.91 |
37.33 |
2.21 |
6.18 |
8.45 |
18.08 |
4.63 |
| Earnings per Share ($) | -- |
-- |
-- |
0.24 |
0.05 |
-0.87 |
-0.33 |
-0.06 |
-0.24 |
1.12 |
1.20 |
0.07 |
0.20 |
0.27 |
0.58 |
0.15 |
| Total Shares Outstanding | -- |
-- |
-- |
33.08 |
31.58 |
30.56 |
30.68 |
30.80 |
30.93 |
31.16 |
31.33 |
30.70 |
31.14 |
31.16 |
31.27 |
31.33 |
| Balance Sheet | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Jun03 | Jun04 | Jun05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Cash and cash equivalents | 28.77 |
19.39 |
20.47 |
54.35 |
6.05 |
14.85 |
61.49 |
65.91 |
72.34 |
42.89 |
54.91 |
54.99 |
50.35 |
52.42 |
42.89 |
54.91 |
| Money Market Investments | -28.77 |
-19.39 |
-20.47 |
36.67 |
31.12 |
30.66 |
9.63 |
9.43 |
8.04 |
28.58 |
9.21 |
20.62 |
14.52 |
29.57 |
28.58 |
9.21 |
| Net Loan | 940 |
1,064 |
1,214 |
1,371 |
1,412 |
1,548 |
1,437 |
1,373 |
1,273 |
1,236 |
1,200 |
1,258 |
1,257 |
1,246 |
1,236 |
1,200 |
| Securities & Investments | -- |
-- |
-- |
117 |
180 |
190 |
208 |
206 |
209 |
205 |
220 |
215 |
213 |
208 |
205 |
220 |
| Accounts Receivable | -- |
-- |
1.15 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Property, Plant and Equipment | -- |
15.89 |
24.02 |
32.63 |
32.02 |
30.56 |
29.14 |
28.20 |
27.36 |
26.94 |
26.84 |
27.27 |
27.12 |
26.87 |
26.94 |
26.84 |
| Other Assets | 165 |
161 |
147 |
36.40 |
48.91 |
71.96 |
123 |
126 |
123 |
121 |
118 |
123 |
119 |
117 |
121 |
118 |
| Total Assets | 1,105 |
1,240 |
1,386 |
1,648 |
1,710 |
1,885 |
1,868 |
1,809 |
1,713 |
1,661 |
1,629 |
1,699 |
1,681 |
1,680 |
1,661 |
1,629 |
| Total Deposits | 909 |
1,036 |
1,129 |
1,036 |
995 |
1,196 |
1,165 |
1,146 |
1,051 |
940 |
915 |
1,044 |
986 |
954 |
940 |
915 |
| Accounts Payable | -- |
14.45 |
2.97 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Current Portion of Long-Term Debt | -- |
25.00 |
35.00 |
41.22 |
53.48 |
4.10 |
73.90 |
22.96 |
27.14 |
45.89 |
45.32 |
25.19 |
45.03 |
57.05 |
45.89 |
45.32 |
| Long-Term Debt | -- |
35.00 |
61.58 |
293 |
422 |
483 |
435 |
436 |
434 |
434 |
434 |
434 |
434 |
434 |
434 |
434 |
| Other liabilities | 80.81 |
7.25 |
24.37 |
36.98 |
38.36 |
31.27 |
26.25 |
31.88 |
34.05 |
39.04 |
27.41 |
27.10 |
40.17 |
50.09 |
39.04 |
27.41 |
| Total Liabilities | 990 |
1,117 |
1,253 |
1,407 |
1,508 |
1,714 |
1,700 |
1,637 |
1,546 |
1,458 |
1,422 |
1,530 |
1,505 |
1,495 |
1,458 |
1,422 |
| Common Stock | -- |
-- |
-- |
0.34 |
0.34 |
0.34 |
0.34 |
0.34 |
0.34 |
0.34 |
0.34 |
0.34 |
0.34 |
0.34 |
0.34 |
0.34 |
| Retained Earnings | -- |
125 |
134 |
145 |
146 |
120 |
111 |
109 |
102 |
136 |
141 |
104 |
110 |
118 |
136 |
141 |
| Additional Paid-In Capital | -- |
-- |
-- |
104 |
106 |
108 |
109 |
110 |
111 |
110 |
110 |
111 |
111 |
111 |
110 |
110 |
| Treasury Stock | -- |
-- |
-- |
-- |
-45.26 |
-45.26 |
-45.26 |
-45.26 |
-45.26 |
-45.26 |
-45.26 |
-45.26 |
-45.26 |
-45.26 |
-45.26 |
-45.26 |
| Total Equity | 115 |
123 |
133 |
241 |
202 |
171 |
169 |
172 |
166 |
203 |
207 |
169 |
176 |
185 |
203 |
207 |
| Cashflow Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Jun03 | Jun04 | Jun05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Income | -- |
10.58 |
9.12 |
8.05 |
1.56 |
-26.45 |
-10.14 |
-1.85 |
-7.47 |
34.91 |
37.33 |
2.21 |
6.18 |
8.45 |
18.08 |
4.63 |
| Depreciation, Depletion and Amortization | -- |
1.54 |
1.66 |
3.57 |
3.67 |
2.76 |
1.97 |
1.86 |
1.84 |
3.73 |
3.63 |
0.70 |
0.86 |
1.01 |
1.16 |
0.61 |
| Cash Flow from Others | -- |
-0.90 |
2.29 |
-1.50 |
-5.45 |
47.75 |
-3.72 |
-13.13 |
40.72 |
-46.78 |
-19.63 |
-2.34 |
-25.71 |
3.22 |
-21.95 |
24.81 |
| Cash Flow from Operations | -- |
11.22 |
13.07 |
10.12 |
-0.22 |
24.07 |
-11.88 |
-13.13 |
35.09 |
-8.14 |
21.33 |
0.57 |
-18.68 |
12.68 |
-2.72 |
30.04 |
| Investment for Property, Plant & Equipement | -- |
-5.09 |
-5.83 |
-- |
-- |
-- |
-3.82 |
-0.93 |
-1.02 |
-1.67 |
-1.82 |
-0.40 |
-0.35 |
-0.29 |
-0.64 |
-0.54 |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-1.08 |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | -- |
-147 |
-140 |
-76.24 |
-111 |
-231 |
69.49 |
85.89 |
61.45 |
91.53 |
77.01 |
8.35 |
38.62 |
17.84 |
26.72 |
-6.17 |
| Net Issuance of Stock | -- |
-- |
-- |
-- |
-45.26 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Issuance of Debt | -- |
127 |
126 |
133 |
141 |
11.52 |
20.67 |
-49.19 |
-- |
18.75 |
20.13 |
2.34 |
19.84 |
12.02 |
-11.17 |
-0.56 |
| Other Financing | -- |
-- |
1.38 |
-9.37 |
-41.27 |
202 |
-31.01 |
-19.36 |
-91.50 |
-111 |
-130 |
-16.03 |
-50.52 |
-25.43 |
-23.35 |
-30.66 |
| Cash Flow from Financing | -- |
127 |
128 |
123 |
54.95 |
213 |
-10.34 |
-68.55 |
-91.50 |
-92.30 |
-110 |
-13.69 |
-30.68 |
-13.41 |
-34.52 |
-31.23 |
| Net Change in Cash | -- |
-9.38 |
1.08 |
57.31 |
-55.92 |
5.97 |
47.27 |
4.21 |
5.05 |
-8.91 |
-11.49 |
-4.77 |
-10.73 |
17.11 |
-10.52 |
-7.36 |
| Free Cash Flow | -- |
6.14 |
7.24 |
10.12 |
-0.22 |
24.07 |
-15.70 |
-14.05 |
34.07 |
-9.81 |
19.51 |
0.18 |
-19.02 |
12.39 |
-3.36 |
29.50 |
| Valuation Ratios (Daily) | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Jun03 | Jun04 | Jun05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| PE Ratio(ttm) | ![]() |
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| Price to Tangible Book | ![]() |
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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 |
Jun03 | Jun04 | Jun05 | 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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| Graham Number (per share) | ![]() |
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| Altman Z-Score | ![]() |
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| Piotroski F-Score | ![]() |
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