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Also traded in: Germany

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 No Debt
FMD's Cash to Debt is ranked higher than
100% of the 313 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. FMD: No Debt )
Ranked among companies with meaningful Cash to Debt only.
FMD' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 19.23 Max: No Debt
Current: No Debt
Equity to Asset 0.46
FMD's Equity to Asset is ranked higher than
50% of the 310 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. FMD: 0.46 )
Ranked among companies with meaningful Equity to Asset only.
FMD' s Equity to Asset Range Over the Past 10 Years
Min: -0.13  Med: 0.49 Max: 0.81
Current: 0.46
-0.13
0.81
Interest Coverage No Debt
FMD's Interest Coverage is ranked higher than
99% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 3.59 vs. FMD: No Debt )
Ranked among companies with meaningful Interest Coverage only.
FMD' s Interest Coverage Range Over the Past 10 Years
Min: N/A  Med: 10000.00 Max: 9999.99
Current: No Debt
N/A
9999.99
F-Score: 5
Z-Score: -1.11
M-Score: -3.07
WACC vs ROIC
8.21%
-61.12%
WACC
ROIC
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 : 4/10

vs
industry
vs
history
Operating margin (%) -52.86
FMD's Operating margin (%) is ranked lower than
92% of the 327 Companies
in the Global Credit Services industry.

( Industry Median: 20.52 vs. FMD: -52.86 )
Ranked among companies with meaningful Operating margin (%) only.
FMD' s Operating margin (%) Range Over the Past 10 Years
Min: -1326.56  Med: -11.64 Max: 1362.09
Current: -52.86
-1326.56
1362.09
Net-margin (%) -56.53
FMD's Net-margin (%) is ranked lower than
92% of the 327 Companies
in the Global Credit Services industry.

( Industry Median: 15.34 vs. FMD: -56.53 )
Ranked among companies with meaningful Net-margin (%) only.
FMD' s Net-margin (%) Range Over the Past 10 Years
Min: -894.38  Med: 42.02 Max: 2727.88
Current: -56.53
-894.38
2727.88
ROE (%) -29.73
FMD's ROE (%) is ranked lower than
95% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. FMD: -29.73 )
Ranked among companies with meaningful ROE (%) only.
FMD' s ROE (%) Range Over the Past 10 Years
Min: -69.61  Med: -28.24 Max: 52.34
Current: -29.73
-69.61
52.34
ROA (%) -10.80
FMD's ROA (%) is ranked lower than
92% of the 333 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. FMD: -10.80 )
Ranked among companies with meaningful ROA (%) only.
FMD' s ROA (%) Range Over the Past 10 Years
Min: -35.9  Med: -9.50 Max: 37.42
Current: -10.8
-35.9
37.42
ROC (Joel Greenblatt) (%) -543.52
FMD's ROC (Joel Greenblatt) (%) is ranked lower than
96% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 11.82 vs. FMD: -543.52 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FMD' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: -1282.78  Med: -266.56 Max: 86.46
Current: -543.52
-1282.78
86.46
Revenue Growth (3Y)(%) 3.20
FMD's Revenue Growth (3Y)(%) is ranked higher than
51% of the 237 Companies
in the Global Credit Services industry.

( Industry Median: 2.30 vs. FMD: 3.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FMD' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -74  Med: 65.75 Max: 189.1
Current: 3.2
-74
189.1
EBITDA Growth (3Y)(%) -15.00
FMD's EBITDA Growth (3Y)(%) is ranked lower than
75% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 7.60 vs. FMD: -15.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FMD' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -54  Med: -12.20 Max: 275.3
Current: -15
-54
275.3
EPS Growth (3Y)(%) 7.70
FMD's EPS Growth (3Y)(%) is ranked higher than
52% of the 196 Companies
in the Global Credit Services industry.

( Industry Median: 4.80 vs. FMD: 7.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FMD' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -56.6  Med: 7.70 Max: 210.9
Current: 7.7
-56.6
210.9
» FMD's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-09-09)


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

» Details

Guru Trades

Q1 2015

FMD Guru Trades in Q1 2015

Jim Simons 11,010 sh (New)
Chuck Royce 4,400 sh (unchged)
» More
Q2 2015

FMD Guru Trades in Q2 2015

Jim Simons 16,502 sh (+49.88%)
Chuck Royce Sold Out
» More
Q3 2015

FMD Guru Trades in Q3 2015

Jim Simons Sold Out
» More
Q1 2016

FMD Guru Trades in Q1 2016

Jim Simons 34,448 sh (New)
» 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%)

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Business Description

Industry: Credit Services » Credit Services
Compare:BOM:500439, ASX:PNC, BOM:533306, LSE:OPM, BKK:ML, COL:BLI.N0000 » details
Traded in other countries:FMA1.Germany,
The First Marblehead Corp is a specialty finance company engaged in the education financing marketplace in the United States. It provides education loan programs for K-12, undergraduate and graduate students and for college graduates.

The First Marblehead Corp was formed as a limited partnership in 1991 and was incorporated in Delaware in August 1994. It is a specialty finance company focused on the education financing marketplace in the United States. It provides loan programs on behalf of its lender clients for K-12, undergraduate and graduate students and for college graduates seeking to refinance private education loan obligations, as well as tuition planning, tuition billing, refund management and payment technology services. It provides a fully integrated suite of services through its Monogram loan product service platform, which it refer to as its Monogram platform, as well as certain services on a stand-alone, fee-for-service basis. 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.FIRSTMARBLEHEAD, the checkered logo, MONOGRAM, MONTICELLO STUDENT LOA

Ratios

vs
industry
vs
history
P/B 0.49
FMD's P/B is ranked higher than
79% of the 308 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. FMD: 0.49 )
Ranked among companies with meaningful P/B only.
FMD' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 0.57 Max: 6.97
Current: 0.49
0.11
6.97
P/S 0.82
FMD's P/S is ranked higher than
88% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 3.20 vs. FMD: 0.82 )
Ranked among companies with meaningful P/S only.
FMD' s P/S Range Over the Past 10 Years
Min: 0.39  Med: 3.08 Max: 214.46
Current: 0.82
0.39
214.46
EV-to-EBIT 0.06
FMD's EV-to-EBIT is ranked higher than
100% of the 253 Companies
in the Global Credit Services industry.

( Industry Median: 15.17 vs. FMD: 0.06 )
Ranked among companies with meaningful EV-to-EBIT only.
FMD' s EV-to-EBIT Range Over the Past 10 Years
Min: -121  Med: 0.50 Max: 9.4
Current: 0.06
-121
9.4
EV-to-EBITDA 0.07
FMD's EV-to-EBITDA is ranked higher than
100% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 14.44 vs. FMD: 0.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
FMD' s EV-to-EBITDA Range Over the Past 10 Years
Min: -135.2  Med: 0.60 Max: 9
Current: 0.07
-135.2
9
Shiller P/E 0.86
FMD's Shiller P/E is ranked higher than
95% of the 38 Companies
in the Global Credit Services industry.

( Industry Median: 12.70 vs. FMD: 0.86 )
Ranked among companies with meaningful Shiller P/E only.
FMD' s Shiller P/E Range Over the Past 10 Years
Min: 0.18  Med: 0.77 Max: 1.83
Current: 0.86
0.18
1.83
Current Ratio 1.38
FMD's Current Ratio is ranked lower than
69% of the 144 Companies
in the Global Credit Services industry.

( Industry Median: 2.28 vs. FMD: 1.38 )
Ranked among companies with meaningful Current Ratio only.
FMD' s Current Ratio Range Over the Past 10 Years
Min: 1.07  Med: 4.48 Max: 30.9
Current: 1.38
1.07
30.9
Quick Ratio 1.38
FMD's Quick Ratio is ranked lower than
68% of the 144 Companies
in the Global Credit Services industry.

( Industry Median: 2.18 vs. FMD: 1.38 )
Ranked among companies with meaningful Quick Ratio only.
FMD' s Quick Ratio Range Over the Past 10 Years
Min: 1.07  Med: 4.48 Max: 30.9
Current: 1.38
1.07
30.9
Days Sales Outstanding 75.42
FMD's Days Sales Outstanding is ranked lower than
71% of the 156 Companies
in the Global Credit Services industry.

( Industry Median: 17.11 vs. FMD: 75.42 )
Ranked among companies with meaningful Days Sales Outstanding only.
FMD' s Days Sales Outstanding Range Over the Past 10 Years
Min: 96.05  Med: 147.61 Max: 1195.18
Current: 75.42
96.05
1195.18

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 1.07
FMD's Price/Net Current Asset Value is ranked higher than
77% of the 83 Companies
in the Global Credit Services industry.

( Industry Median: 2.46 vs. FMD: 1.07 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
FMD' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 0.3  Med: 1.79 Max: 13.16
Current: 1.07
0.3
13.16
Price/Tangible Book 0.85
FMD's Price/Tangible Book is ranked higher than
61% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 1.14 vs. FMD: 0.85 )
Ranked among companies with meaningful Price/Tangible Book only.
FMD' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.22  Med: 0.89 Max: 11.18
Current: 0.85
0.22
11.18
Price/Projected FCF 0.23
FMD's Price/Projected FCF is ranked higher than
89% of the 74 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. FMD: 0.23 )
Ranked among companies with meaningful Price/Projected FCF only.
FMD' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.05  Med: 0.36 Max: 16.75
Current: 0.23
0.05
16.75
Price/Median PS Value 0.26
FMD's Price/Median PS Value is ranked higher than
92% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. FMD: 0.26 )
Ranked among companies with meaningful Price/Median PS Value only.
FMD' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.19  Med: 1.05 Max: 68.08
Current: 0.26
0.19
68.08
Earnings Yield (Greenblatt) (%) 1670.96
FMD's Earnings Yield (Greenblatt) (%) is ranked higher than
100% of the 317 Companies
in the Global Credit Services industry.

( Industry Median: 4.40 vs. FMD: 1670.96 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMD' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 10.7  Med: 25.70 Max: 20465.9
Current: 1670.96
10.7
20465.9

More Statistics

Revenue (TTM) (Mil) $51.86
EPS (TTM) $ -2.53
Beta0.85
Short Percentage of Float2.58%
52-Week Range $2.81 - 6.53
Shares Outstanding (Mil)11.71

Analyst Estimate

Jun16 Jun17
Revenue (Mil $) 53 54
EPS ($) -2.23 -1.65
EPS without NRI ($) -2.23 -1.65
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» 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 
Weekly Guru Bargains Highlights: Idearc Inc., The First Marblehead Corp., Qimonda AG, Advanced Micro Feb 19 2008 
First Marblehead: Attractive Opportunity Jun 02 2007 

More From Other Websites
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FIRST MARBLEHEAD CORP Financials May 19 2016
First Marblehead Corp. :FMD-US: Earnings Analysis: Q3, 2016 By the Numbers May 18 2016
FIRST MARBLEHEAD CORP Files SEC form 8-K, Other Events May 13 2016
First Marblehead Announces Third Quarter Financial Results May 10 2016
FIRST MARBLEHEAD CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... May 10 2016
First Marblehead Announces Third Quarter Financial Results May 10 2016
Q3 2016 First Marblehead Corp Earnings Release - After Market Close May 10 2016
First Marblehead to Release Third Quarter Fiscal 2016 Financial Results and Host Conference Call May 04 2016
First Marblehead to Release Third Quarter Fiscal 2016 Financial Results and Host Conference Call May 04 2016
FIRST MARBLEHEAD CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Change in... Apr 29 2016
FMD: FMD Surprises on the Upside…Again Apr 28 2016
FIRST MARBLEHEAD CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 04 2016
First Marblehead Corp. Earnings Analysis: Q2, 2016 By the Numbers Feb 16 2016
Edited Transcript of FMD earnings conference call or presentation 9-Feb-16 10:00pm GMT Feb 09 2016
FIRST MARBLEHEAD CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 09 2016
First Marblehead Announces Second Quarter Financial Results Feb 09 2016
First Marblehead to Release Second Quarter Fiscal 2016 Financial Results and Host Conference Call Feb 01 2016
First Marblehead to Release Second Quarter Fiscal 2016 Financial Results and Host Conference Call Feb 01 2016
FMD: First Quarter Much Better Than Expected as Revenues Surge and Expenses Drop Jan 28 2016

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