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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 : 5/10

vs
industry
vs
history
Cash to Debt No Debt
FMD's Cash to Debt is ranked higher than
100% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 94.80 vs. FMD: No Debt )
Ranked among companies with meaningful Cash to Debt only.
FMD' s 10-Year Cash to Debt Range
Min: 0.03  Med: 10.44 Max: No Debt
Current: No Debt
Equity to Asset 0.33
FMD's Equity to Asset is ranked lower than
51% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: 0.36 vs. FMD: 0.33 )
Ranked among companies with meaningful Equity to Asset only.
FMD' s 10-Year Equity to Asset Range
Min: -0.13  Med: 0.53 Max: 0.81
Current: 0.33
-0.13
0.81
F-Score: 3
Z-Score: -0.63
M-Score: -1.31
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 : 6/10

vs
industry
vs
history
Operating margin (%) -94.29
FMD's Operating margin (%) is ranked lower than
95% of the 259 Companies
in the Global Credit Services industry.

( Industry Median: 20.96 vs. FMD: -94.29 )
Ranked among companies with meaningful Operating margin (%) only.
FMD' s 10-Year Operating margin (%) Range
Min: -9860.3  Med: 53.69 Max: 1362.09
Current: -94.29
-9860.3
1362.09
Net-margin (%) -104.38
FMD's Net-margin (%) is ranked lower than
94% of the 261 Companies
in the Global Credit Services industry.

( Industry Median: 15.92 vs. FMD: -104.38 )
Ranked among companies with meaningful Net-margin (%) only.
FMD' s 10-Year Net-margin (%) Range
Min: -23772.64  Med: 36.13 Max: 2727.88
Current: -104.38
-23772.64
2727.88
ROE (%) -35.52
FMD's ROE (%) is ranked lower than
96% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. FMD: -35.52 )
Ranked among companies with meaningful ROE (%) only.
FMD' s 10-Year ROE (%) Range
Min: -69.61  Med: 45.54 Max: 100.34
Current: -35.52
-69.61
100.34
ROA (%) -11.40
FMD's ROA (%) is ranked lower than
92% of the 270 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. FMD: -11.40 )
Ranked among companies with meaningful ROA (%) only.
FMD' s 10-Year ROA (%) Range
Min: -35.9  Med: 27.18 Max: 49.97
Current: -11.4
-35.9
49.97
ROC (Joel Greenblatt) (%) -760.41
FMD's ROC (Joel Greenblatt) (%) is ranked lower than
97% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 16.18 vs. FMD: -760.41 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FMD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1282.78  Med: -45.77 Max: 331.7
Current: -760.41
-1282.78
331.7
Revenue Growth (3Y)(%) 251.80
FMD's Revenue Growth (3Y)(%) is ranked higher than
98% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. FMD: 251.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FMD' s 10-Year Revenue Growth (3Y)(%) Range
Min: -74  Med: 76.10 Max: 251.8
Current: 251.8
-74
251.8
EBITDA Growth (3Y)(%) -28.90
FMD's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 165 Companies
in the Global Credit Services industry.

( Industry Median: -3.40 vs. FMD: -28.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FMD' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -54.5  Med: 23.85 Max: 273
Current: -28.9
-54.5
273
EPS Growth (3Y)(%) -24.70
FMD's EPS Growth (3Y)(%) is ranked lower than
75% of the 168 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. FMD: -24.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FMD' s 10-Year EPS Growth (3Y)(%) Range
Min: -56.6  Med: 22.75 Max: 212.6
Current: -24.7
-56.6
212.6
» FMD's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

FMD Guru Trades in Q2 2014

Jim Simons 52,210 sh (-17.90%)
» More
Q3 2014

FMD Guru Trades in Q3 2014

Jim Simons 45,410 sh (-13.02%)
» More
Q4 2014

FMD Guru Trades in Q4 2014

Chuck Royce 4,400 sh (New)
Jim Simons Sold Out
» More
Q1 2015

FMD Guru Trades in Q1 2015

Jim Simons 11,010 sh (New)
Chuck Royce 4,400 sh (unchged)
» 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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Ratios

vs
industry
vs
history
P/B 0.54
FMD's P/B is ranked higher than
78% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. FMD: 0.54 )
Ranked among companies with meaningful P/B only.
FMD' s 10-Year P/B Range
Min: 0.11  Med: 0.67 Max: 13.6
Current: 0.54
0.11
13.6
P/S 1.35
FMD's P/S is ranked higher than
76% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 3.21 vs. FMD: 1.35 )
Ranked among companies with meaningful P/S only.
FMD' s 10-Year P/S Range
Min: 0.39  Med: 3.76 Max: 356
Current: 1.35
0.39
356
Shiller P/E 0.55
FMD's Shiller P/E is ranked higher than
98% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 13.35 vs. FMD: 0.55 )
Ranked among companies with meaningful Shiller P/E only.
FMD' s 10-Year Shiller P/E Range
Min: 0.24  Med: 1.34 Max: 10.52
Current: 0.55
0.24
10.52
Current Ratio 1.31
FMD's Current Ratio is ranked lower than
66% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 2.13 vs. FMD: 1.31 )
Ranked among companies with meaningful Current Ratio only.
FMD' s 10-Year Current Ratio Range
Min: 1.07  Med: 4.73 Max: 30.9
Current: 1.31
1.07
30.9
Quick Ratio 1.31
FMD's Quick Ratio is ranked lower than
64% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 1.90 vs. FMD: 1.31 )
Ranked among companies with meaningful Quick Ratio only.
FMD' s 10-Year Quick Ratio Range
Min: 1.07  Med: 4.73 Max: 30.9
Current: 1.31
1.07
30.9
Days Sales Outstanding 103.50
FMD's Days Sales Outstanding is ranked lower than
75% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 27.06 vs. FMD: 103.50 )
Ranked among companies with meaningful Days Sales Outstanding only.
FMD' s 10-Year Days Sales Outstanding Range
Min: 115.55  Med: 248.86 Max: 11596.19
Current: 103.5
115.55
11596.19

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.84
FMD's Price/Tangible Book is ranked higher than
64% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. FMD: 0.84 )
Ranked among companies with meaningful Price/Tangible Book only.
FMD' s 10-Year Price/Tangible Book Range
Min: 0.22  Med: 0.88 Max: 11.2
Current: 0.84
0.22
11.2
Price/Projected FCF 0.09
FMD's Price/Projected FCF is ranked higher than
96% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 0.87 vs. FMD: 0.09 )
Ranked among companies with meaningful Price/Projected FCF only.
FMD' s 10-Year Price/Projected FCF Range
Min: 0.05  Med: 0.55 Max: 15.07
Current: 0.09
0.05
15.07
Price/Median PS Value 0.36
FMD's Price/Median PS Value is ranked higher than
91% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. FMD: 0.36 )
Ranked among companies with meaningful Price/Median PS Value only.
FMD' s 10-Year Price/Median PS Value Range
Min: 0.15  Med: 1.00 Max: 93.16
Current: 0.36
0.15
93.16
Earnings Yield (Greenblatt) (%) -358.32
FMD's Earnings Yield (Greenblatt) (%) is ranked lower than
100% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. FMD: -358.32 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMD' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -358.32  Med: 19.95 Max: 40017.2
Current: -358.32
-358.32
40017.2

Analyst Estimate

Jun15 Jun16
Revenue(Mil) 47 51
EPS($) -3.65 -2.50
EPS without NRI($) -3.65 -2.50

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:FMA1.Germany,
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
» More Articles for FMD

Headlines

Articles On GuruFocus.com
First Marblehead Announces the IRS Is Withdrawing Its Proposed Adjustments Dec 18 2014 
First Marblehead and Firstmark Services Form Strategic Partnership to Deliver Loan Origination Servi Nov 10 2014 
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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