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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) -1.9  2.7 
EBITDA Growth (%) 17.8 
Free Cash Flow Growth (%) -45 
Book Value Growth (%) 4.7  4.7  7.6 

*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 DataAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
2.36
2.63
2.84
3.14
3.10
3.32
2.94
3.02
3.00
2.99
3.02
0.72
0.79
0.73
0.75
0.75
EBITDA per Share
1.60
1.60
1.68
1.71
1.56
0.64
-0.56
1.21
1.31
1.59
1.52
0.40
0.41
0.38
0.40
0.33
Free Cashflow per Share
0.99
--
--
1.43
0.13
1.39
0.94
1.42
2.43
1.33
1.22
0.42
0.16
0.22
0.56
0.28
Earnings per Share ($)
0.98
1.06
1.14
1.11
1.08
0.44
-0.97
0.64
0.74
0.92
0.92
0.23
0.25
0.22
0.22
0.23
Dividends Per Share
0.58
0.60
0.61
0.63
0.64
0.64
0.09
--
0.17
0.36
0.38
0.08
0.08
0.10
0.10
0.10
Book Value per Share
5.27
5.54
5.95
6.51
6.94
6.71
5.69
6.37
7.09
7.72
7.81
7.26
7.47
7.61
7.73
7.81
Month End Stock Price
16.33
16.77
17.81
17.78
13.04
12.25
4.93
7.79
9.58
10.78
11.10
9.99
9.51
12.05
10.78
11.10
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
18.60
19.10
19.20
17.10
15.60
5.10
-11.00
9.20
12.40
11.90
11.60
12.40
13.60
11.20
11.60
11.60
Return on Assets %
1.70
1.60
1.60
1.50
1.40
0.50
-0.90
1.00
1.20
1.10
1.20
1.20
1.20
1.20
1.20
1.20
Return on Capital - Joel Greenblatt %
--
--
--
--
--
--
--
--
--
2,890
63.60
34.40
--
--
2,912
63.60
Debt to Equity
1.24
1.09
0.99
0.95
1.04
0.97
1.11
0.88
1.02
0.57
0.62
1.74
0.97
0.95
0.57
0.62
   
Operating Margin %
62.70
60.80
59.10
51.90
50.50
16.10
-22.10
35.60
43.70
43.60
43.30
45.40
43.10
42.20
43.90
43.30
Net Margin %
41.50
40.20
40.20
35.30
34.90
13.30
-28.60
25.50
29.20
30.70
30.30
31.60
31.90
29.30
29.80
30.30
   
Debt to Revenue
2.77
2.30
2.08
1.97
2.33
2.54
2.90
2.45
2.41
1.46
6.51
17.42
9.15
9.81
5.83
6.51
Interest Exp. to Revenue %
77.65
76.90
76.92
71.11
70.41
71.42
80.40
80.22
79.29
78.94
82.97
80.91
75.64
80.10
79.35
82.97
   
Asset Turnover
0.04
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
Dividend Payout Ratio
0.59
0.56
0.53
0.56
0.59
1.46
--
--
0.19
0.39
0.44
0.35
0.32
0.47
0.45
0.44
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
32.32
35.65
38.37
39.07
38.20
41.10
41.09
42.12
41.40
41.20
41.84
10.18
10.39
10.26
10.37
10.82
Non Interest Income
9.31
10.71
11.52
15.87
16.05
16.45
10.02
10.39
10.82
10.99
10.81
2.40
3.35
2.55
2.70
2.22
Revenue
41.63
46.35
49.89
54.94
54.26
57.55
51.11
52.51
52.22
52.19
52.66
12.58
13.74
12.81
13.07
13.05
   
Selling, General, &Admin. Expense
7.70
9.68
10.31
13.94
13.56
13.36
14.44
15.89
16.41
18.05
18.14
4.30
4.24
4.64
4.56
4.70
Credit Losses Provision
0.85
1.20
1.78
1.73
2.35
16.60
24.50
6.05
0.55
0.63
0.78
--
--
0.30
0.33
0.15
Other Expenses
4.91
7.29
8.34
9.43
10.95
16.41
21.98
9.56
12.45
5.74
7.18
1.24
2.32
1.29
1.20
2.36
Earnings Before DDA
28.17
28.19
29.47
29.84
27.40
11.17
-9.81
21.01
22.81
27.78
26.57
7.04
7.18
6.58
6.98
5.83
   
Depreciation, Depletion and Amortization
2.09
--
--
1.31
--
1.91
1.49
2.30
0.01
5.00
3.86
1.33
1.25
1.18
1.25
0.18
   
Operating Income
26.08
28.19
29.47
28.54
27.40
9.26
-11.29
18.71
22.79
22.78
22.71
5.71
5.92
5.40
5.74
5.65
Net Income
17.28
18.61
20.08
19.41
18.92
7.64
-14.62
13.38
15.27
16.01
15.98
3.98
4.38
3.75
3.90
3.95
   
Preferred dividends
--
--
--
--
--
--
2.28
2.28
2.39
--
--
--
--
--
--
--
Earnings per Share ($)
0.98
1.06
1.14
1.11
1.08
0.44
-0.97
0.64
0.74
0.92
0.92
0.23
0.25
0.22
0.22
0.23
Total Shares Outstanding
17.64
17.61
17.57
17.48
17.52
17.36
17.40
17.40
17.40
17.44
17.48
17.40
17.42
17.43
17.42
17.48
Balance SheetAnnuals (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
27.79
18.69
39.42
35.06
49.53
23.71
27.92
20.07
35.77
60.42
34.63
32.80
36.56
37.71
60.42
34.63
Money Market Investments
59.48
17.72
5.63
5.46
6.37
181
104
67.89
51.33
111
22.53
75.70
76.30
4.12
111
22.53
Net Loan
593
719
860
896
976
1,086
1,002
874
826
915
923
833
847
845
915
923
Securities & Investments
270
341
270
257
231
181
340
256
283
292
386
306
318
311
292
386
Accounts Receivable
5.88
6.51
7.86
8.59
7.83
6.42
5.50
4.96
4.18
3.65
4.65
4.74
4.57
4.42
3.65
4.65
Property, Plant and Equipment
3.68
4.31
5.65
5.38
5.18
4.92
5.29
5.07
5.40
5.61
5.81
5.87
5.64
5.55
5.61
5.81
Intangible Assets
16.90
16.56
27.12
27.92
27.06
26.33
--
--
--
--
--
--
--
--
--
--
Other Assets
23.78
24.81
28.48
33.47
36.09
42.63
90.37
77.14
63.43
59.89
60.36
62.61
62.18
60.04
59.89
60.36
Total Assets
1,001
1,148
1,244
1,269
1,340
1,553
1,575
1,305
1,270
1,448
1,437
1,321
1,350
1,268
1,448
1,437
   
Total Deposits
705
866
945
925
911
1,155
1,247
972
957
1,135
1,113
969
1,027
929
1,135
1,113
Accounts Payable
--
--
--
--
--
--
--
--
--
8.91
7.63
--
--
--
8.91
7.63
Current Portion of Long-Term Debt
9.14
4.67
4.73
1.93
2.67
0.25
2.55
2.91
--
55.60
64.26
93.50
--
--
55.60
64.26
Long-Term Debt
106
102
99.19
106
124
146
146
126
126
20.62
20.62
126
126
126
20.62
20.62
Other liabilities
87.48
78.32
91.05
121
181
102
47.21
59.42
63.08
93.89
94.27
6.79
67.23
80.78
93.89
94.27
Total Liabilities
908
1,051
1,140
1,155
1,218
1,403
1,442
1,160
1,146
1,314
1,300
1,195
1,220
1,135
1,314
1,300
   
Common Stock
3.00
3.00
3.00
3.00
3.00
3.00
--
--
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
Preferred Stock
--
--
--
--
--
33.55
34.02
34.51
--
--
--
--
--
--
--
--
Retained Earnings
56.80
62.57
71.95
80.40
87.08
82.79
65.96
76.19
86.11
95.86
98.06
88.70
91.69
93.70
95.86
98.06
Additional Paid-In Capital
32.00
32.00
32.00
32.00
32.00
34.45
37.39
37.39
33.69
33.81
33.87
33.69
33.70
33.74
33.81
33.87
Total Equity
92.90
97.62
105
114
122
150
133
145
123
135
136
126
130
133
135
136
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Income
17.28
--
--
19.41
--
7.64
-14.62
13.38
15.27
16.01
15.98
3.98
4.38
3.75
3.90
3.95
Depreciation, Depletion and Amortization
2.09
--
--
1.31
--
1.91
1.49
2.30
0.01
5.00
3.86
1.33
1.25
1.18
1.25
0.18
Cash Flow from Others
-1.92
--
--
4.33
2.35
14.54
30.77
9.41
26.96
3.28
2.26
2.09
-2.71
-0.95
4.85
1.07
Cash Flow from Operations
17.45
--
--
25.04
2.35
24.09
17.64
25.08
42.24
24.29
22.10
7.39
2.92
3.98
10.00
5.20
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
-1.35
-0.37
--
-1.04
-0.78
-0.05
-0.06
-0.09
-0.24
-0.39
Cash Flow from Investing
-72.82
--
--
-29.40
--
-90.76
-121
216
0.20
-99.46
-171
-33.91
-22.49
12.57
-55.62
-105
   
Net Issuance of Stock
--
--
--
--
--
-0.79
--
--
--
--
--
--
--
--
--
--
Net Issuance of Preferred Stock
--
--
--
--
--
36.00
-0.07
--
-36.00
--
--
--
--
--
--
--
Net Issuance of Debt
-23.15
--
--
29.90
--
-54.25
2.31
-19.64
--
-11.15
-11.15
1.47
--
--
-11.15
--
Cash Flow for Dividends
-10.28
--
--
-10.96
--
-11.14
-3.14
-2.67
-4.08
-6.27
-6.61
-1.39
-1.39
-1.74
-1.74
-1.74
Other Financing
-10.34
--
--
-19.57
--
244
38.92
-263
-0.70
177
115
47.84
25.32
-85.84
188
-12.46
Cash Flow from Financing
-43.77
--
--
-0.63
--
214
38.02
-285
-40.78
160
97.42
47.92
23.93
-87.58
175
-14.20
   
Net Change in Cash
-99.14
--
--
-4.99
2.35
147
-65.47
-43.54
1.66
84.37
-51.34
21.40
4.35
-71.03
130
-114
   
Free Cash Flow
17.45
--
--
25.04
2.35
24.09
16.29
24.72
42.24
23.25
21.32
7.34
2.86
3.90
9.75
4.81
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
PE Ratio(ttm) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
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Valuation and QualityAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Market Cap Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Enterprise Value Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
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Net Cash (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
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