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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 1.42
FMD's Cash to Debt is ranked higher than
81% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 0.17 vs. FMD: 1.42 )
FMD' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 1.42

Equity to Asset 0.36
FMD's Equity to Asset is ranked higher than
80% of the 138 Companies
in the Global Credit Services industry.

( Industry Median: 0.22 vs. FMD: 0.36 )
FMD' s 10-Year Equity to Asset Range
Min: -0.13   Max: 0.81
Current: 0.36

-0.13
0.81
Interest Coverage No Debt
FMD's Interest Coverage is ranked higher than
97% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 3.43 vs. FMD: No Debt )
FMD' s 10-Year Interest Coverage Range
Min: 35.53   Max: 9999.99
Current: No Debt

35.53
9999.99
F-Score: 3
Z-Score: -0.15
M-Score: -2.27
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) -111.48
FMD's Operating margin (%) is ranked lower than
61% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 25.65 vs. FMD: -111.48 )
FMD' s 10-Year Operating margin (%) Range
Min: -1326.56   Max: 1362.09
Current: -111.48

-1326.56
1362.09
Net-margin (%) -112.94
FMD's Net-margin (%) is ranked lower than
60% of the 139 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. FMD: -112.94 )
FMD' s 10-Year Net-margin (%) Range
Min: -894.38   Max: 2727.88
Current: -112.94

-894.38
2727.88
ROE (%) -27.99
FMD's ROE (%) is ranked lower than
59% of the 140 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 vs. FMD: -27.99 )
FMD' s 10-Year ROE (%) Range
Min: -89.53   Max: 485.59
Current: -27.99

-89.53
485.59
ROA (%) -10.63
FMD's ROA (%) is ranked lower than
59% of the 141 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. FMD: -10.63 )
FMD' s 10-Year ROA (%) Range
Min: -44.2   Max: 240.76
Current: -10.63

-44.2
240.76
ROC (Joel Greenblatt) (%) -802.28
FMD's ROC (Joel Greenblatt) (%) is ranked lower than
61% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 31.17 vs. FMD: -802.28 )
FMD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1373.02   Max: 165.53
Current: -802.28

-1373.02
165.53
Revenue Growth (%) 36.40
FMD's Revenue Growth (%) is ranked higher than
96% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 7.90 vs. FMD: 36.40 )
FMD' s 10-Year Revenue Growth (%) Range
Min: -74   Max: 188.6
Current: 36.4

-74
188.6
EBITDA Growth (%) -39.50
FMD's EBITDA Growth (%) is ranked lower than
57% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 10.70 vs. FMD: -39.50 )
FMD' s 10-Year EBITDA Growth (%) Range
Min: -54   Max: 273
Current: -39.5

-54
273
EPS Growth (%) -31.50
FMD's EPS Growth (%) is ranked lower than
55% of the 96 Companies
in the Global Credit Services industry.

( Industry Median: 18.20 vs. FMD: -31.50 )
FMD' s 10-Year EPS Growth (%) Range
Min: -56.6   Max: 212.6
Current: -31.5

-56.6
212.6
» FMD's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

FMD Guru Trades in Q3 2013

Jim Simons 989,300 sh (+672.89%)
Chris Davis 1,910,194 sh (unchged)
» More
Q4 2013

FMD Guru Trades in Q4 2013

Chris Davis 191,018 sh (unchged)
Jim Simons 83,010 sh (-16.09%)
» More
Q1 2014

FMD Guru Trades in Q1 2014

Chris Davis Sold Out
Jim Simons 63,594 sh (-23.39%)
» More
Q2 2014

FMD Guru Trades in Q2 2014

Jim Simons 52,210 sh (-17.9%)
» More
» Details

Insider Trades

Latest Guru Trades with FMD

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 0.40
FMD's P/B is ranked higher than
99% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. FMD: 0.40 )
FMD' s 10-Year P/B Range
Min: 0.3   Max: 135.81
Current: 0.4

0.3
135.81
P/S 1.11
FMD's P/S is ranked higher than
81% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.59 vs. FMD: 1.11 )
FMD' s 10-Year P/S Range
Min: 0.45   Max: 25.14
Current: 1.11

0.45
25.14
EV-to-EBIT 0.34
FMD's EV-to-EBIT is ranked higher than
99% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 17.66 vs. FMD: 0.34 )
FMD' s 10-Year EV-to-EBIT Range
Min: 3.3   Max: 28.5
Current: 0.34

3.3
28.5
Shiller P/E 3.30
FMD's Shiller P/E is ranked higher than
99% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 27.42 vs. FMD: 3.30 )
FMD' s 10-Year Shiller P/E Range
Min: 1.54   Max: 30.24
Current: 3.3

1.54
30.24
Current Ratio 1.36
FMD's Current Ratio is ranked higher than
58% of the 53 Companies
in the Global Credit Services industry.

( Industry Median: 1.83 vs. FMD: 1.36 )
FMD' s 10-Year Current Ratio Range
Min: 1.07   Max: 54.99
Current: 1.36

1.07
54.99
Quick Ratio 1.36
FMD's Quick Ratio is ranked higher than
58% of the 53 Companies
in the Global Credit Services industry.

( Industry Median: 1.83 vs. FMD: 1.36 )
FMD' s 10-Year Quick Ratio Range
Min: 1.07   Max: 54.99
Current: 1.36

1.07
54.99

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 10.60
FMD's Price/Net Current Asset Value is ranked higher than
95% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. FMD: 10.60 )
FMD' s 10-Year Price/Net Current Asset Value Range
Min: 5.4   Max: 157.02
Current: 10.6

5.4
157.02
Price/Tangible Book 0.50
FMD's Price/Tangible Book is ranked higher than
99% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.90 vs. FMD: 0.50 )
FMD' s 10-Year Price/Tangible Book Range
Min: 0.59   Max: 112.08
Current: 0.5

0.59
112.08
Price/DCF (Projected) 0.10
FMD's Price/DCF (Projected) is ranked higher than
99% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. FMD: 0.10 )
FMD' s 10-Year Price/DCF (Projected) Range
Min: 0.11   Max: 20.61
Current: 0.1

0.11
20.61
Price/Median PS Value 0.20
FMD's Price/Median PS Value is ranked higher than
99% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. FMD: 0.20 )
FMD' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 2.65
Current: 0.2

0.1
2.65
Earnings Yield (Greenblatt) 298.30
FMD's Earnings Yield (Greenblatt) is ranked higher than
99% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 6.20 vs. FMD: 298.30 )
FMD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.5   Max: 298.9
Current: 298.3

3.5
298.9
Forward Rate of Return (Yacktman) 133.75
FMD's Forward Rate of Return (Yacktman) is ranked higher than
98% of the 120 Companies
in the Global Credit Services industry.

( Industry Median: 12.43 vs. FMD: 133.75 )
FMD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -11   Max: 9.2
Current: 133.75

-11
9.2

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:FMA1.Germany
The First Marblehead Corporation was formed as a limited partnership in 1991 and was incorporated in Delaware in August 1994. The Company offers outsourcing services to national and regional financial institutions and educational institutions in the United States for designing and implementing private education loan programs. These loan programs are designed to be marketed to prospective student borrowers and their families directly or through educational institutions and to generate portfolios which might be held by the originating lender or financed in the capital markets. It offers a fully integrated suite of services, including its new Monogram loan product, as well as certain services on a standalone, fee-for-service basis. In addition, it provides administrative and other services to securitization trusts that it has facilitated and asset servicing to the third-party owner of certain securitization trusts. The Company's bank subsidiary, Union Federal Savings Bank is a federally chartered thrift that offers residential and commercial mortgage loans, and certain other banking products. Through its Monogram product offering, it enables lenders to offer borrowers private education loans with competitive terms and clear pricing alternatives, but which are also structured to align product options made available to qualified applicants with their credit risk. The Monogram product integrates all of its service offerings, including program design, marketing support, loan origination and portfolio management. The product enables its lender clients to customize their loan programs to meet their risk control and return objectives without a third-party guaranty. Specifically, the client could customize the range of loan terms offered to their qualified applicants, such as repayment options, loan limits and borrower pricing. The Monogram product is based on its proprietary origination risk score model, which was independently reviewed by a credit bureau. It helps clients design their private education loan programs. The Company's design approach begins with a standard set of pricing options, legal agreements and third-party relationships that it could then customize for its clients in order to satisfy their particular needs. The Company's systems have been designed to provide applicants with consumer protection disclosures required by law and regulation, as well as information helpful for making informed decisions about private education loans. It operates in a competitive environment. It owns the following federally registered trademarks: FIRSTMARBLEHEAD, ASTRIVE, MONTICELLO STUDENT LOANS, prepGATE, GATE, GATE Guaranteed Access to Education, and National Collegiate Trust. The Company provides services in connection with the creation, management and disposition of private education loans, a form of consumer loan asset. This business is highly regulated at both the state and federal level, through statutes and regulations that focus upon:
» More Articles for FMD

Headlines

Articles On GuruFocus.com
July Value Idea Contest Results Announcement Apr 12 2012 
Back From the Dead but Looking Uglier Than Ever: First Marblehead Jul 27 2011 
Big Time Investors Who Made Big Time Mistakes Example #2 - Tom Brown Prominent Bank Stock Analyst of Sep 03 2010 
The First Marblehead Corp. Reports Operating Results (10-K) Sep 02 2010 
FMD: valued at $50 by alexxius Feb 21 2008 
Weekly Guru Bargains Highlights: Idearc Inc., The First Marblehead Corp., Qimonda AG, Advanced Micro Feb 19 2008 
First Marblehead: Attractive Opportunity Jun 02 2007 

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