Per Share Data
Annuals (USD $) View:
$
% YOY
Quarterly Revenue per Share 8.67
7.11
6.32
6.53
6.69
1.62
1.64
1.64
1.63
1.79
Earnings per Share (Diluted) 0.33
1.26
0.81
1.62
-1.00
0.28
0.23
0.57
0.54
-2.34
EPS without NRI 0.33
1.26
0.81
1.62
-1.00
0.28
0.23
0.57
0.54
-2.34
Owner Earnings per Share (TTM) --
2.16
0.84
2.51
-0.34
0.74
1.06
1.12
2.51
-0.34
Free Cash Flow per Share 2.55
2.22
1.79
2.43
2.26
0.67
0.46
0.72
0.58
0.50
Operating Cash Flow per Share 2.70
2.39
1.87
2.52
2.35
0.70
0.47
0.74
0.61
0.53
Cash per Share 27.28
13.94
7.06
9.56
21.96
11.65
7.16
7.89
9.56
21.96
Dividends per Share 0.53
--
0.43
0.44
0.44
0.11
0.11
0.11
0.11
0.11
Book Value per Share 27.00
27.69
28.06
29.44
26.86
28.17
28.47
29.05
29.44
26.86
Tangible Book per Share 15.84
17.20
17.77
19.38
19.48
17.96
18.33
18.94
19.38
19.48
Total Debt per Share 5.76
11.77
3.69
9.17
16.04
12.80
13.33
9.18
9.17
16.04
Month End Stock Price 30.05
27.30
19.59
25.87
19.49
19.80
21.11
21.77
25.87
17.33
Ratios
Annuals View:
$
% YOY
Quarterly Fiscal Period
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
TTM Mar19
Jun19
Sep19
Dec19
Mar20
ROE % 1.28
4.81
2.87
5.54
-3.40
3.99
3.16
7.83
7.20
-32.30
ROE % Adjusted to Book Value 1.15
4.86
4.10
6.30
-4.66
5.70
4.27
10.44
8.18
-49.69
ROA % 0.16
0.62
0.42
0.82
-0.43
0.58
0.45
1.13
1.03
-4.14
Return-on-Tangible-Equity 2.01
7.88
4.50
8.45
-5.07
6.18
4.86
11.91
10.83
-46.23
Return-on-Tangible-Asset 0.17
0.65
0.44
0.86
-0.45
0.61
0.47
1.18
1.08
-4.31
ROIC % --
--
--
--
-- --
--
--
--
--
WACC % 7.63
9.27
14.63
13.00
11.68
14.39
13.42
13.86
13.00
13.66
Effective Interest Rate on Debt % 10.47
11.65
16.64
32.80
17.80
21.61
17.29
20.05
23.36
15.56
Net Interest Margin (Bank Only) % 4.10
3.49
3.23
3.06
2.96
3.20
3.03
2.91
2.90
2.95
Net Margin % 3.77
17.75
12.79
24.77
-13.40
17.54
13.90
35.12
32.40
-130.58
FCF Margin % 29.47
31.17
28.35
37.18
33.81
41.53
27.84
43.76
35.62
28.23
Debt-to-Equity 0.21
0.41
0.13
0.30
0.58
0.44
0.46
0.31
0.30
0.58
Equity-to-Asset 0.12
0.14
0.15
0.14
0.12
0.14
0.14
0.14
0.14
0.12
Debt-to-Asset 0.03
0.06
0.02
0.04
0.07
0.06
0.06
0.04
0.04
0.07
Asset Turnover 0.04
0.04
0.03
0.03
0.03
0.01
0.01
0.01
0.01
0.01
Dividend Payout Ratio 1.61
--
0.53
0.27
-- 0.39
0.48
0.19
0.20
--
Income Statement
Annual (USD $) View: $ % /share % YOY Quarterly Fiscal Period
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
TTM Mar19
Jun19
Sep19
Dec19
Mar20
Interest Income 274.8
253.5
246.8
277.0
278.9
66.9
71.0
70.0
69.1
68.9
Interest Expense -32.3
-36.1
-46.2
-76.5
-78.2
-16.1
-20.4
-20.5
-19.5
-17.8
Net Interest Income (for Banks) 242.5
217.4
200.5
200.5
200.8
50.8
50.5
49.6
49.6
51.1
Non Interest Income 61.7
51.0
41.2
49.2
52.0
11.1
12.0
13.1
13.0
13.9
Revenue 304.2
268.4
241.7
249.7
252.7
61.9
62.5
62.6
62.6
65.0
Credit Losses Provision 125.8
-8.8
19.6
-4.9
0.5
2.2
3.3
-7.7
-2.7
7.6
Selling, General, & Admin. Expense 111.2
131.9
134.1
124.2
120.0
32.2
34.7
28.5
28.8
28.0
Other Noninterest Expense 51.5
58.7
50.5
47.3
48.8
13.2
11.6
11.6
10.9
14.8
Total Noninterest Expense 162.7
190.6
184.6
171.5
168.9
45.4
46.3
40.1
39.7
42.8
SpecialCharges -0.2
-3.8
0.1
-0.9
95.4
--
--
-0.0
-0.9
96.2
Other Income (Expense) 0.0
--
--
--
-0.0
--
--
--
0.0
-0.0
Pre-Tax Income 15.8
90.4
37.5
83.9
-12.0
14.3
12.9
30.3
26.5
-81.6
Tax Provision -4.4
-42.8
-6.5
-22.1
-21.9
-3.4
-4.2
-8.3
-6.2
-3.2
Tax Rate % 27.69
47.31
17.46
26.33
-182.72
24.03
32.72
27.30
23.35
-3.95
Net Income (Continuing Operations) 11.5
47.6
30.9
61.8
-33.9
10.9
8.7
22.0
20.3
-84.8
Net Income (Discontinued Operations) --
--
--
--
-- --
--
--
--
--
Other Income (Minority Interest) --
--
--
--
-- --
--
--
--
--
Net Income 11.5
47.6
30.9
61.8
-33.9
10.9
8.7
22.0
20.3
-84.8
Net Margin % 3.77
17.75
12.79
24.77
-13.40
17.54
13.90
35.12
32.40
-130.58
Preferred Dividends 0.0
--
0.7
0.7
0.7
0.2
0.2
0.2
0.2
0.2
EPS (Basic) 0.34
1.29
0.82
1.64
-0.98
0.29
0.23
0.58
0.55
-2.34
EPS (Diluted) 0.33
1.26
0.81
1.62
-1.00
0.28
0.23
0.57
0.54
-2.34
Shares Outstanding (Diluted Average) 35.1
37.8
38.3
38.2
36.4
38.1
38.2
38.2
38.4
36.4
Depreciation, Depletion and Amortization 10.8
12.2
12.0
11.6
11.0
3.1
3.0
2.8
2.6
2.5
Balance Sheet
Annuals (USD $) View: $ % /share % YOY Quarterly Fiscal Period
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Latest Q. Mar19
Jun19
Sep19
Dec19
Mar20
Cash and cash equivalents 935.1
500.8
254.6
347.6
798.9
421.5
259.7
286.3
347.6
798.9
Money Market Investments --
--
--
--
-- --
--
--
--
--
Gross Loan 5,669.1
5,173.2
5,165.2
5,900.5
5,990.2
5,461.5
5,868.1
5,802.0
5,900.5
5,990.2
Allowance For Loans And Lease Losses -111.4
-75.9
-54.7
-40.8
-51.4
-58.5
-57.7
-45.2
-40.8
-51.4
Unearned Income --
--
--
--
-- --
--
--
--
--
Net Loan 5,557.7
5,097.3
5,110.5
5,859.7
5,938.8
5,403.0
5,810.4
5,756.8
5,859.7
5,938.8
Securities & Investments 666.6
1,127.3
1,081.5
1,039.6
991.3
1,093.9
1,051.1
1,010.3
1,039.6
991.3
Accounts Receivable 20.8
19.3
23.3
25.7
26.2
24.3
26.5
25.1
25.7
26.2
Notes Receivable --
--
--
--
-- --
--
--
--
--
Other Current Receivables --
--
--
--
-- --
--
--
--
--
Total Receivables 20.8
19.3
23.3
25.7
26.2
24.3
26.5
25.1
25.7
26.2
Property, Plant and Equipment 34.0
27.6
23.9
21.3
20.8
25.8
24.7
23.8
21.3
20.8
Intangible Assets 382.6
376.6
370.8
365.7
268.5
369.3
367.9
366.7
365.7
268.5
Goodwill 331.8
331.8
331.8
331.8
235.6
331.8
331.8
331.8
331.8
235.6
Other Assets for Banks 285.9
337.9
316.3
332.8
338.8
350.0
316.7
302.3
332.8
338.8
Total Assets 7,882.6
7,486.8
7,180.9
7,992.4
8,383.2
7,687.9
7,857.0
7,771.3
7,992.4
8,383.2
Total Deposits 6,681.8
5,943.9
5,951.9
6,473.6
6,702.8
6,076.8
6,223.4
6,269.8
6,473.6
6,702.8
Accounts Payable & Accrued Expense 4.1
4.1
4.0
4.2
2.3
2.7
5.0
2.4
4.2
2.3
Short-Term Debt & Capital Lease Obligation --
--
--
--
250.0
--
--
--
--
250.0
Long-Term Debt & Capital Lease Obligation 197.5
422.7
133.0
333.3
333.3
463.1
483.1
333.2
333.3
333.3
Debt-to-Equity 0.21
0.41
0.13
0.30
0.58
0.44
0.46
0.31
0.30
0.58
Other Liabilities for Banks 73.3
92.6
51.2
82.2
88.4
97.3
84.2
82.9
82.2
88.4
Total Liabilities 6,956.6
6,463.3
6,140.1
6,893.3
7,376.9
6,639.8
6,795.6
6,688.3
6,893.3
7,376.9
Common Stock 678.3
700.2
700.2
700.2
700.2
700.2
700.2
700.2
700.2
700.2
Preferred Stock 0.6
29.1
29.1
29.1
29.1
29.1
29.1
29.1
29.1
29.1
Retained Earnings 197.4
245.0
260.3
305.4
213.6
267.0
271.5
289.3
305.4
213.6
Accumulated other comprehensive income (loss) 0.6
-4.1
-3.8
6.3
3.9
-3.4
4.0
7.1
6.3
3.9
Additional Paid-In Capital 56.6
63.5
70.0
87.7
90.2
80.5
82.8
84.0
87.7
90.2
Treasury Stock -7.5
-10.4
-15.0
-29.6
-30.7
-25.4
-26.2
-26.6
-29.6
-30.7
Other Stockholders Equity --
--
--
--
-0.0
-0.0
0.0
-0.0
--
-0.0
Total Stockholders Equity 925.9
1,023.5
1,040.8
1,099.1
1,006.3
1,048.1
1,061.3
1,083.0
1,099.1
1,006.3
Minority Interest --
--
--
--
-- --
--
--
--
--
Total Equity 925.9
1,023.5
1,040.8
1,099.1
1,006.3
1,048.1
1,061.3
1,083.0
1,099.1
1,006.3
Equity-to-Asset 0.12
0.14
0.15
0.14
0.12
0.14
0.14
0.14
0.14
0.12
Cashflow Statement
Annuals (USD $) View: $ % /share % YOY Quarterly Fiscal Period
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
TTM Mar19
Jun19
Sep19
Dec19
Mar20
Net Income From Continuing Operations 11.5
47.6
30.9
61.8
-33.9
10.9
8.7
22.0
20.3
-84.8
Depreciation, Depletion and Amortization 10.8
12.2
12.0
11.6
11.0
3.1
3.0
2.8
2.6
2.5
Change In Receivables -39.1
-33.1
18.2
-25.5
25.2
-46.4
11.7
2.3
7.0
4.3
Change In Inventory --
--
--
--
-- --
--
--
--
--
Change In Prepaid Assets --
--
--
--
-- --
--
--
--
--
Change In Payables And Accrued Expense 30.6
25.4
-25.0
39.8
-3.1
48.5
-8.7
-3.0
3.0
5.5
Change In Other Working Capital -0.0
--
--
0.0
-- --
--
--
--
--
Change In Working Capital -8.6
-7.7
-6.8
14.3
22.0
2.1
3.0
-0.7
10.0
9.8
Deferred Tax -21.1
35.0
-0.4
12.0
-7.8
8.1
-1.3
11.4
-6.2
-11.8
Stock Based Compensation 8.5
6.1
3.3
5.4
5.8
1.1
2.1
1.2
1.0
1.5
Asset Impairment Charge --
--
--
--
96.2
--
--
--
--
96.2
Cash from Discontinued Operating Activities --
--
--
--
-- --
--
--
--
--
Cash Flow from Others 93.6
-2.7
32.4
-8.9
-4.5
1.5
2.5
-8.4
-4.6
6.0
Cash Flow from Operations 94.7
90.4
71.5
96.2
88.9
26.7
18.0
28.3
23.2
19.4
Purchase Of Property, Plant, Equipment -5.0
-6.7
-2.9
-3.4
-3.5
-1.0
-0.6
-0.9
-0.9
-1.1
Sale Of Property, Plant, Equipment 0.0
5.5
0.0
1.9
0.0
--
--
--
--
0.0
Purchase Of Business --
--
--
--
-- --
--
--
--
--
Sale Of Business --
--
--
--
-- --
--
--
--
--
Purchase Of Investment -576.3
-842.5
-625.9
-188.6
-117.9
-72.9
-16.5
-49.5
-49.6
-2.3
Sale Of Investment 47.8
333.5
635.5
251.2
238.1
57.3
84.2
93.0
16.7
44.1
Net Intangibles Purchase And Sale --
--
--
--
-- --
--
--
--
--
Cash From Discontinued Investing Activities --
--
--
--
-- --
--
--
--
--
Cash From Other Investing Activities -256.8
350.7
-24.5
-767.0
-555.9
-293.0
-408.7
63.9
-127.4
-83.8
Cash Flow from Investing -790.3
-159.6
-17.9
-705.9
-439.2
-309.6
-341.6
106.6
-161.2
-43.0
Issuance of Stock --
50.5
--
--
-- --
--
--
--
--
Repurchase of Stock -2.3
-2.8
-4.6
-2.3
8.0
-10.4
8.8
-0.4
-0.3
-0.1
Net Issuance of Preferred Stock --
--
--
--
-- --
--
--
--
--
Net Issuance of Debt -222.7
225.0
-290.0
200.0
120.0
330.0
20.0
-150.0
--
250.0
Cash Flow for Dividends -17.9
--
-16.2
-16.7
-16.8
-4.1
-4.2
-4.2
-4.2
-4.2
Other Financing 1,388.8
-637.8
11.1
521.7
616.5
134.4
137.1
46.4
203.8
229.2
Cash Flow from Financing 1,145.9
-365.2
-299.7
702.7
727.7
449.8
161.7
-108.2
199.3
474.9
Effect of Exchange Rate Changes --
--
--
--
-- --
--
--
--
--
Net Change in Cash 450.2
-434.4
-246.1
93.0
377.4
166.9
-161.8
26.7
61.3
451.3
Capital Expenditure -5.0
-6.7
-2.9
-3.4
-3.5
-1.0
-0.6
-0.9
-0.9
-1.1
Free Cash Flow 89.7
83.7
68.5
92.8
85.4
25.7
17.4
27.4
22.3
18.3
Valuation Ratios
Annuals View:
$
% YOY Quarterly Fiscal Period
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Current Mar19
Jun19
Sep19
Dec19
Mar20
PE Ratio PE Ratio without NRI Price-to-Owner-Earnings PB Ratio Price-to-Tangible-Book Price-to-Free-Cash-Flow Price-to-Operating-Cash-Flow PS Ratio PEG Ratio EV-to-Revenue Earnings Yield (Joel Greenblatt) % Forward Rate of Return (Yacktman) % Shiller PE Ratio Dividend Yield %
Valuation and Quality
Annuals View:
$
% YOY Quarterly Fiscal Period
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Current Mar19
Jun19
Sep19
Dec19
Mar20
Market Cap Enterprise Value Month End Stock Price Net Cash per Share Net Current Asset Value Net-Net Working Capital Intrinsic Value: Projected FCF Median PS Value Peter Lynch Fair Value Graham Number Earnings Power Value (EPV) Piotroski F-Score Beneish M-Score Scaled Net Operating Assets Sloan Ratio % Highest Stock Price Lowest Stock Price Shares Buyback Ratio % Buyback Yield % YoY Rev. per Sh. Growth YoY EPS Growth Shares Outstanding (Basic Average) Shares Outstanding (EOP) Beta Filing Date Restated Filing Date Number of Shareholders Number of Employees 
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