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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 288 Companies
in the Global Credit Services industry.

( Industry Median: 0.87 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: 16.90 Max: No Debt
Current: No Debt
Equity to Asset 0.36
FMD's Equity to Asset is ranked lower than
59% of the 299 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. FMD: 0.36 )
Ranked among companies with meaningful Equity to Asset only.
FMD' s Equity to Asset Range Over the Past 10 Years
Min: -0.13  Med: 0.51 Max: 0.81
Current: 0.36
-0.13
0.81
Interest Coverage No Debt
FMD's Interest Coverage is ranked higher than
99% of the 242 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. FMD: No Debt )
Ranked among companies with meaningful Interest Coverage only.
FMD' s Interest Coverage Range Over the Past 10 Years
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 3
Z-Score: -0.90
M-Score: -3.25
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 (%) -77.93
FMD's Operating margin (%) is ranked lower than
91% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 18.28 vs. FMD: -77.93 )
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: -77.93
-9860.3
1362.09
Net-margin (%) -83.26
FMD's Net-margin (%) is ranked lower than
92% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 14.47 vs. FMD: -83.26 )
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: 2727.88
Current: -83.26
-23772.64
2727.88
ROE (%) -35.50
FMD's ROE (%) is ranked lower than
96% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. FMD: -35.50 )
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: -35.5
-69.61
52.34
ROA (%) -11.69
FMD's ROA (%) is ranked lower than
92% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. FMD: -11.69 )
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: -11.69
-35.9
37.42
ROC (Joel Greenblatt) (%) -718.05
FMD's ROC (Joel Greenblatt) (%) is ranked lower than
96% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 11.57 vs. FMD: -718.05 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FMD' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: -1282.78  Med: -136.68 Max: 87.71
Current: -718.05
-1282.78
87.71
Revenue Growth (3Y)(%) 3.30
FMD's Revenue Growth (3Y)(%) is ranked lower than
51% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. FMD: 3.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FMD' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -74  Med: 70.20 Max: 251.8
Current: 3.3
-74
251.8
EBITDA Growth (3Y)(%) -15.00
FMD's EBITDA Growth (3Y)(%) is ranked lower than
70% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: 9.10 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: -15.00 Max: 273
Current: -15
-54
273
EPS Growth (3Y)(%) 7.70
FMD's EPS Growth (3Y)(%) is ranked lower than
51% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 8.20 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: 211.3
Current: 7.7
-56.6
211.3
» FMD's 10-Y Financials

Financials (Next Earnings Date: 2016-02-09)


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

» Details

Guru Trades

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
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
» 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 0.46
FMD's P/B is ranked higher than
81% of the 298 Companies
in the Global Credit Services industry.

( Industry Median: 0.96 vs. FMD: 0.46 )
Ranked among companies with meaningful P/B only.
FMD' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 0.59 Max: 11.23
Current: 0.46
0.11
11.23
P/S 0.90
FMD's P/S is ranked higher than
86% of the 298 Companies
in the Global Credit Services industry.

( Industry Median: 2.93 vs. FMD: 0.90 )
Ranked among companies with meaningful P/S only.
FMD' s P/S Range Over the Past 10 Years
Min: 0.39  Med: 3.14 Max: 356
Current: 0.9
0.39
356
EV-to-EBIT 0.21
FMD's EV-to-EBIT is ranked higher than
100% of the 227 Companies
in the Global Credit Services industry.

( Industry Median: 18.41 vs. FMD: 0.21 )
Ranked among companies with meaningful EV-to-EBIT only.
FMD' s EV-to-EBIT Range Over the Past 10 Years
Min: -121  Med: 0.80 Max: 16.8
Current: 0.21
-121
16.8
EV-to-EBITDA 0.24
FMD's EV-to-EBITDA is ranked higher than
100% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 17.13 vs. FMD: 0.24 )
Ranked among companies with meaningful EV-to-EBITDA only.
FMD' s EV-to-EBITDA Range Over the Past 10 Years
Min: -135.2  Med: 0.90 Max: 16.4
Current: 0.24
-135.2
16.4
Shiller P/E 0.55
FMD's Shiller P/E is ranked higher than
97% of the 34 Companies
in the Global Credit Services industry.

( Industry Median: 12.04 vs. FMD: 0.55 )
Ranked among companies with meaningful Shiller P/E only.
FMD' s Shiller P/E Range Over the Past 10 Years
Min: 0.17  Med: 0.68 Max: 1.73
Current: 0.55
0.17
1.73
Current Ratio 1.24
FMD's Current Ratio is ranked lower than
77% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.76 vs. FMD: 1.24 )
Ranked among companies with meaningful Current Ratio only.
FMD' s Current Ratio Range Over the Past 10 Years
Min: 1.07  Med: 4.62 Max: 30.9
Current: 1.24
1.07
30.9
Quick Ratio 1.24
FMD's Quick Ratio is ranked lower than
76% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. FMD: 1.24 )
Ranked among companies with meaningful Quick Ratio only.
FMD' s Quick Ratio Range Over the Past 10 Years
Min: 1.07  Med: 4.62 Max: 30.9
Current: 1.24
1.07
30.9
Days Sales Outstanding 84.92
FMD's Days Sales Outstanding is ranked lower than
71% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 31.48 vs. FMD: 84.92 )
Ranked among companies with meaningful Days Sales Outstanding only.
FMD' s Days Sales Outstanding Range Over the Past 10 Years
Min: 96.05  Med: 241.59 Max: 11596.19
Current: 84.92
96.05
11596.19

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 1.08
FMD's Price/Net Current Asset Value is ranked higher than
65% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 1.83 vs. FMD: 1.08 )
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: 3.27 Max: 13.16
Current: 1.08
0.3
13.16
Price/Tangible Book 0.77
FMD's Price/Tangible Book is ranked higher than
63% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 1.05 vs. FMD: 0.77 )
Ranked among companies with meaningful Price/Tangible Book only.
FMD' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.22  Med: 0.88 Max: 11.18
Current: 0.77
0.22
11.18
Price/Projected FCF 0.07
FMD's Price/Projected FCF is ranked higher than
99% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 0.74 vs. FMD: 0.07 )
Ranked among companies with meaningful Price/Projected FCF only.
FMD' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.05  Med: 0.55 Max: 16.75
Current: 0.07
0.05
16.75
Price/Median PS Value 0.29
FMD's Price/Median PS Value is ranked higher than
90% of the 265 Companies
in the Global Credit Services industry.

( Industry Median: 0.92 vs. FMD: 0.29 )
Ranked among companies with meaningful Price/Median PS Value only.
FMD' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.18  Med: 1.10 Max: 110.63
Current: 0.29
0.18
110.63
Earnings Yield (Greenblatt) (%) 476.20
FMD's Earnings Yield (Greenblatt) (%) is ranked higher than
100% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 3.70 vs. FMD: 476.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMD' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.9  Med: 27.50 Max: 1963.9
Current: 476.2
5.9
1963.9

More Statistics

Revenue(Mil) $49
EPS $ -3.51
Beta0.79
Short Percentage of Float2.71%
52-Week Range $2.81 - 7.00
Shares Outstanding(Mil)11.68

Analyst Estimate

Jun16
Revenue(Mil)
EPS($) -2.60
EPS without NRI($) -2.60

Latest Earnings Webcast

» More Conference Calls

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

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July Value Idea Contest Results Announcement Apr 12 2012 
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The First Marblehead Corp. Reports Operating Results (10-K) Sep 02 2010 
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First Marblehead: Attractive Opportunity Jun 02 2007 

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