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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 : 6/10

vs
industry
vs
history
Cash to Debt No Debt
FMD's Cash to Debt is ranked higher than
100% of the 370 Companies
in the Global Credit Services industry.

( Industry Median: 0.60 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
51% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 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
100% of the 346 Companies
in the Global Credit Services industry.

( Industry Median: 8.45 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: No Debt Max: No Debt
Current: No Debt
N/A
No Debt
F-Score: 5
Z-Score: -1.01
M-Score: -3.07
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 (%) -52.86
FMD's Operating margin (%) is ranked lower than
91% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 19.21 vs. FMD: -52.86 )
Ranked among companies with meaningful Operating margin (%) only.
FMD' s Operating margin (%) Range Over the Past 10 Years
Min: -9860.3  Med: -90.81 Max: 1362.09
Current: -52.86
-9860.3
1362.09
Net-margin (%) -56.53
FMD's Net-margin (%) is ranked lower than
91% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 12.91 vs. FMD: -56.53 )
Ranked among companies with meaningful Net-margin (%) only.
FMD' s Net-margin (%) Range Over the Past 10 Years
Min: -23772.64  Med: -21.61 Max: 2957.49
Current: -56.53
-23772.64
2957.49
ROE (%) -29.73
FMD's ROE (%) is ranked lower than
94% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 6.24 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
91% of the 382 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. FMD: -10.80 )
Ranked among companies with meaningful ROA (%) only.
FMD' s ROA (%) Range Over the Past 10 Years
Min: -35.9  Med: -9.5 Max: 37.42
Current: -10.8
-35.9
37.42
ROC (Joel Greenblatt) (%) -543.52
FMD's ROC (Joel Greenblatt) (%) is ranked lower than
97% of the 296 Companies
in the Global Credit Services industry.

( Industry Median: 12.59 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: -1039.31  Med: -136.68 Max: 87.71
Current: -543.52
-1039.31
87.71
Revenue Growth (3Y)(%) 6.10
FMD's Revenue Growth (3Y)(%) is ranked higher than
57% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. FMD: 6.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FMD' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -74  Med: 70.2 Max: 249.2
Current: 6.1
-74
249.2
EBITDA Growth (3Y)(%) -8.30
FMD's EBITDA Growth (3Y)(%) is ranked lower than
72% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 5.40 vs. FMD: -8.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FMD' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -57.3  Med: -8.3 Max: 275.3
Current: -8.3
-57.3
275.3
EPS Growth (3Y)(%) 7.80
FMD's EPS Growth (3Y)(%) is ranked higher than
59% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. FMD: 7.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FMD' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -56.6  Med: 7.8 Max: 209.8
Current: 7.8
-56.6
209.8
» FMD's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-02-09)


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

» Details

Guru Trades

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
Q2 2016

FMD Guru Trades in Q2 2016

Jim Simons 52,053 sh (+51.11%)
» More
Q3 2016

FMD Guru Trades in Q3 2016

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FMD

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Business Description

Industry: Credit Services » Credit Services
Compare:NAS:LOAN, NAS:ATLC, OTCPK:IEGH, NAS:NICK, NAS:MFIN, OTCPK:NXCN, NAS:CCCR, NAS:SNFCA, NAS:LMFA, OTCPK:INPCF, NAS:ASFI, OTCPK:JGWE, OTCPK:SRCF, NAS:CPSS, NAS:CLDC, NYSE:RM, NYSE:ONDK, NYSE:ENVA, NAS:NEWS, NAS:WRLD » 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 0.67
FMD's P/B is ranked higher than
72% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 1.14 vs. FMD: 0.67 )
Ranked among companies with meaningful P/B only.
FMD' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 0.55 Max: 6.97
Current: 0.67
0.11
6.97
P/S 1.13
FMD's P/S is ranked higher than
83% of the 341 Companies
in the Global Credit Services industry.

( Industry Median: 3.30 vs. FMD: 1.13 )
Ranked among companies with meaningful P/S only.
FMD' s P/S Range Over the Past 10 Years
Min: 0.39  Med: 2.79 Max: 214.46
Current: 1.13
0.39
214.46
Shiller P/E 1.22
FMD's Shiller P/E is ranked higher than
95% of the 43 Companies
in the Global Credit Services industry.

( Industry Median: 14.32 vs. FMD: 1.22 )
Ranked among companies with meaningful Shiller P/E only.
FMD' s Shiller P/E Range Over the Past 10 Years
Min: 0.18  Med: 0.8 Max: 1.86
Current: 1.22
0.18
1.86
Current Ratio 1.38
FMD's Current Ratio is ranked lower than
72% of the 282 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 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
69% of the 281 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 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
70% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 16.46 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: 75.42  Med: 247.8 Max: 11596.19
Current: 75.42
75.42
11596.19

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -4.20
FMD's 3-Year Average Share Buyback Ratio is ranked lower than
52% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. FMD: -4.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FMD' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -7.2  Med: -3 Max: 0.9
Current: -4.2
-7.2
0.9

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 1.49
FMD's Price/Net Current Asset Value is ranked higher than
58% of the 157 Companies
in the Global Credit Services industry.

( Industry Median: 1.96 vs. FMD: 1.49 )
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: 1.49
0.3
13.16
Price/Tangible Book 1.19
FMD's Price/Tangible Book is ranked higher than
53% of the 342 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. FMD: 1.19 )
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: 1.19
0.22
11.18
Price/Projected FCF 0.32
FMD's Price/Projected FCF is ranked higher than
81% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 0.81 vs. FMD: 0.32 )
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: 0.32
0.05
16.75
Price/Median PS Value 0.40
FMD's Price/Median PS Value is ranked higher than
87% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. FMD: 0.40 )
Ranked among companies with meaningful Price/Median PS Value only.
FMD' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.2  Med: 1.16 Max: 76.96
Current: 0.4
0.2
76.96
Earnings Yield (Greenblatt) (%) -185.20
FMD's Earnings Yield (Greenblatt) (%) is ranked lower than
99% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. FMD: -185.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMD' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -185.2  Med: 27.2 Max: 20465.9
Current: -185.2
-185.2
20465.9

More Statistics

Revenue (TTM) (Mil) $51.86
EPS (TTM) $ -2.53
Short Percentage of Float2.63%
52-Week Range $2.81 - 5.05
Shares Outstanding (Mil)11.71

Analyst Estimate

Jun16 Jun17
Revenue (Mil $) 53 54
EPS ($) -2.23 -1.65
EPS w/o NRI ($) -2.23 -1.65
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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
FMD: FMD Acquisition by FP Resources USA Inc. Completed Aug 23 2016
FIRST MARBLEHEAD CORP Files SEC form 8-K, Completion of Acquisition or Disposition of Assets, Notice... Aug 22 2016
First Marblehead Stockholders Approve Merger; Transaction Completed Aug 22 2016
First Marblehead Stockholders Approve Merger; Transaction Completed Aug 22 2016
FIRST MARBLEHEAD CORP Files SEC form 8-K, Other Events Aug 12 2016
SunTrust Bank's Monogram(R)-Based Loan Program Offers New Education Loan Refinance Option Jul 14 2016
SunTrust Bank's Monogram(R)-Based Loan Program Offers New Education Loan Refinance Option Jul 14 2016
First Marblehead Education Resources, Inc. Launches New Private Student Loan Program Jul 05 2016
First Marblehead Education Resources, Inc. Launches New Private Student Loan Program Jul 05 2016
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Announces an Investigation Into the Fairness of the Sale of... Jun 09 2016
Government Financing Of Higher Education Leaves Millions Of Americans Worse Off Jun 08 2016
FIRST MARBLEHEAD INVESTOR ALERT BY THE FORMER ATTORNEY GENERAL OF LOUISIANA: Kahn Swick & Foti, LLC... Jun 07 2016
INVESTOR ALERT: Brower Piven Commences An Investigation Into The Proposed Sale Of The First... Jun 06 2016
INVESTOR ALERT: Levi & Korsinsky, LLP Announces an Investigation Concerning the Fairness of the Sale... Jun 06 2016
The First Marblehead Corporation Shareholder Alert: Former SEC Attorney Willie Briscoe and Powers... Jun 06 2016
FIRST MARBLEHEAD CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 03 2016
SHAREHOLDER ALERT: Brower Piven Commences An Investigation Into The Proposed Sale Of The First... Jun 03 2016
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Announces Commencement of an Investigation Concerning the... Jun 03 2016
FIRST MARBLEHEAD (FMD) ALERT: Johnson & Weaver, LLP Launches an Investigation into the Fairness of... Jun 03 2016
First Marblehead Announces Agreement to Be Acquired for US$5.05 Per Share in Cash Jun 02 2016

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