This report should not be construed as providing investment advice. It is for educational purposes only.  Before making any investment decision, you should always do your own research or consult a investment professional.
While I try to be accurate, I assume no responsibility for any figure in this spreadsheet. Estimates Estimates Estimates
See my website on stocks or see my blog at the following sites.  https://spbrunner.com/stocks.html https://spbrunner.blogspot.com/ Q3 2022
Chesswood Group Ltd TSX: CHW OTC: CHWWF https://www.chesswoodgroup.com/ Fiscal Yr: Dec 31 9/30/22
Year 12/31/10 12/31/11 12/31/12 12/31/13 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20 12/31/21 12/31/22 12/31/23 12/31/24 12/31/25 Value Description #Y Item Total G
Accounting Rules IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS
Split *
$274.95 <- 12 mths 18.19%
Finance Revenue per share $3.23 $3.16 $3.65 $4.35 $5.22 $4.71 $5.55 $5.75 $6.81 $7.81 $6.33 $7.25 $13.20 261.50% <-Total Growth 10 Revenue
Finance Revenue $30.4 $31.0 $35.9 $42.7 $54.4 $76.58 $91.58 $95.32 $110.59 $126.98 $102.90 $120.11 $232.62 547.11% <-Total Growth 10 Revenue
Other $49.4 $46.1 $50.6 $52.0 $53.7 $14.16 $17.97 $43.74 Other
Revenue* $79.7 $77.2 $86.6 $94.7 $108.1 $76.58 $91.58 $95.32 $110.59 $126.98 $117.06 $138.08 $276.37 $321 $327 $363 219.14% <-Total Growth 10 Revenue
Increase 2.21% -3.21% 12.22% 9.40% 14.10% -29.16% 19.60% 4.08% 16.01% 14.82% -7.81% 17.96% 100.14% 16.15% 1.87% 11.01% 12.30% <-IRR #YR-> 10 Revenue 219.14%
5 year Running Average $77.5 $81.4 $81.1 $83.2 $89.3 $88.6 $91.5 $93.3 $96.4 $100.2 $108.3 $117.6 $153.8 $195.90 $235.90 $285.09 23.72% <-IRR #YR-> 5 Revenue 189.92%
Revenue per Share $8.48 $7.87 $8.80 $9.66 $10.37 $4.71 $5.55 $5.75 $6.81 $7.81 $7.20 $8.33 $15.69 $18.22 $18.56 #DIV/0! 6.61% <-IRR #YR-> 10 5 yr Running Average 89.71%
Increase -26.47% -7.27% 11.86% 9.76% 7.43% -54.61% 17.79% 3.70% 18.48% 14.69% -7.85% 15.69% 88.28% 16.15% 1.87% #DIV/0! 10.52% <-IRR #YR-> 5 5 yr Running Average 64.92%
5 year Running Average $10.53 $10.47 $9.72 $9.27 $9.03 $8.28 $7.82 $7.21 $6.64 $6.13 $6.63 $7.18 $9.17 $11.45 $13.60 #DIV/0! 5.95% <-IRR #YR-> 10 Revenue per Share 78.29%
P/S (Price/Sales) Med 0.60 0.91 0.88 1.43 1.44 2.31 1.88 2.24 1.57 1.34 0.99 1.39 0.83 0.48 0.00 #DIV/0! 22.22% <-IRR #YR-> 5 Revenue per Share 172.73%
P/S (Price/Sales) Close 0.73 0.80 1.02 1.94 1.18 2.11 2.15 2.00 1.52 1.30 1.27 1.73 0.73 0.35 0.34 #DIV/0! -0.58% <-IRR #YR-> 10 5 yr Running Average -5.66%
*Revenue in M CDN $ (Finance Revenue and Automotive Operatons Revenue P/S Med 20 yr  1.02 15 yr  1.34 10 yr  1.44 5 yr  1.34 -75.61% Diff M/C 4.93% <-IRR #YR-> 5 5 yr Running Average 27.22%
-$86.6 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $276.4
-$95.3 $0.0 $0.0 $0.0 $0.0 $276.4
-$81.1 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $153.8
-$93.3 $0.0 $0.0 $0.0 $0.0 $153.8
-$8.80 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $15.69
-$5.75 $0.00 $0.00 $0.00 $0.00 $15.69
-$9.72 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $9.17
-$7.21 $0.00 $0.00 $0.00 $0.00 $9.17
-$19.3 <-12 mths -167.57%
-$0.63 <-12 mths -134.54%
Net Income $28.80 $28.55
NCI $2.37 $1.87
NCI % of Net Income 8.24% 6.54%
Adjusted net Income $31.17 $37.58
NCI $2.57 $2.46
Adjusted Net Income less NCI $28.60 $35.12
Adjusted Net Income $6.98 $5.66 $7.82 $9.50 $10.11 $18.04 $22.27 $23.35 $21.00 $11.63 -$7.81 $28.60 $35.16 $65.80 $73.60 349.84% <-Total Growth 10 FCF
Adjusted EPS $0.67 $0.56 $0.77 $0.89 $0.93 $1.16 $1.33 $1.37 $1.37 $0.71 -$0.48 $1.58 $1.81 $0.23 $0.83 $1.55 135.06% <-Total Growth 10 FCF
Increase 86.11% -16.42% 37.50% 15.58% 4.49% 24.73% 14.66% 3.01% 0.00% -48.18% -167.61% 429.82% 14.33% -87.29% 260.87% 86.75% 9 1 10 Years of Data, EPS P or N 90.00%
5 year Running Average $0.17 $0.65 $0.76 $0.86 $1.02 $1.14 $1.23 $1.19 $0.86 $0.91 $1.00 $0.77 $0.79 $1.20 8.92% <-IRR #YR-> 10 FCF 135.06%
AEPS Yield 10.81% 8.89% 8.56% 4.75% 7.62% 11.66% 11.13% 11.93% 13.19% 6.97% -5.27% 11.00% 15.82% 3.61% 13.01% 24.29% 5.73% <-IRR #YR-> 5 FCF 32.12%
Payout Ratio 67.16% 106.25% 82.47% 80.34% 83.87% 67.24% 96.62% 61.31% 61.31% 118.31% 0.00% 19.58% 24.86% 182.61% 14.46% 7.74% 19.37% <-IRR #YR-> 10 5 yr Running Average 487.43%
5 year Running Average 69.23% 85.30% 84.02% 84.03% 82.11% 77.88% 74.07% 80.96% 67.51% 52.10% 44.81% 69.07% 48.30% 49.85% -2.54% <-IRR #YR-> 5 5 yr Running Average -12.09%
Price/FCF Median 7.66 12.76 10.03 15.56 16.04 9.36 7.85 9.40 7.82 14.75 -14.93 7.33 7.18 37.93 0.00 0.00 8.60 <-Median-> 10 Price/FCF Median
Price/FCF High 9.31 14.71 12.01 21.07 20.19 11.29 9.37 10.55 9.12 17.32 -22.60 9.10 8.43 52.17 0.00 0.00 9.96 <-Median-> 10 Price/FCF High
Price/FCF Low 6.00 10.80 8.05 10.06 11.88 7.43 6.32 8.25 6.53 12.18 -7.25 5.57 5.94 23.70 0.00 0.00 6.98 <-Median-> 10 Price/FCF Low
Price/FCF Close 9.25 11.25 11.69 21.07 13.12 8.58 8.98 8.38 7.58 14.35 -18.98 9.09 6.32 27.74 7.69 4.12 8.78 <-Median-> 10 Price/FCF Close
Trailing P/FCF Close 17.22 9.40 16.07 24.35 13.71 10.70 10.30 8.63 7.58 7.44 12.83 -29.98 7.23 3.52 27.74 7.69 9.47 <-Median-> 10 Trailing P/FCF Close
Median Values DPR 10 Yrs 64.28% 5 Yrs   24.86% P/CF 5 Yrs   in order 7.33 9.10 5.94 7.58 278.25% Diff M/C DPR 75% to 95% best
* Adjusted operating Income.
-$0.77 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.81
-$1.37 $0.00 $0.00 $0.00 $0.00 $1.81
-$0.17 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.00
-$1.14 $0.00 $0.00 $0.00 $0.00 $1.00
$20.2 <-12 mths -60.88%
$0.98 <-12 mths -60.32%
Free Cash Flow CHW $12.4 $13.6 $20.1 $20.1 $29.62 $25.40 $22.36 $19.61 $33.57 $51.72 $65.80 $73.60 279.59% <-Total Growth 9 FCF
Calc 17.93 31.07 48.18
Calc diluted $1.20 $1.86 $2.65
FCF* Dilued $1.16 $1.25 $1.30 $1.23 $1.74 $1.51 $1.36 $1.10 $1.72 $2.47 $3.41 $3.82 97.85% <-Total Growth 9 FCF
Increase 7.40% 3.96% -5.38% 41.48% -13.03% -10.29% -18.86% 56.36% 43.60% 38.15% 11.85% 10 0 10 Years of Data, EPS P or N 100.00%
5 year Running Average $1.33 $1.40 $1.43 $1.39 $1.48 $1.63 $2.01 $2.50 8.73% <-IRR #YR-> 9 FCF #DIV/0!
AEPS Yield 6.20% 10.23% 13.04% 10.28% 15.13% 14.54% 13.30% 12.07% 11.95% 21.59% 53.48% 59.82% 7.29% <-IRR #YR-> 5 FCF 42.16%
Payout Ratio 61.51% 62.48% 60.10% 104.64% 48.35% 55.59% 61.96% 30.45% 18.02% 18.22% 12.31% 3.14% 4.09% <-IRR #YR-> 5 5 yr Running Average #DIV/0!
5 year Running Average 67.41% 66.23% 66.13% 60.20% 42.88% 36.85% 28.19% 16.43% 4.09% <-IRR #YR-> 5 5 yr Running Average 22.21%
Price/FCF Median 11.91 11.95 8.37 8.50 7.41 7.09 7.73 6.51 6.75 5.26 2.56 0.00 7.57 <-Median-> 10 Price/FCF Median
Price/FCF High 16.13 15.04 10.09 10.15 8.32 8.27 9.07 9.86 8.37 6.17 3.52 0.00 9.47 <-Median-> 10 Price/FCF High
Price/FCF Low 7.70 8.85 6.64 6.85 6.50 5.92 6.38 3.16 5.13 4.35 1.60 0.00 6.44 <-Median-> 10 Price/FCF Low
Price/FCF Close 16.13 9.77 7.67 9.73 6.61 6.88 7.52 8.28 8.37 4.63 1.87 1.67 7.97 <-Median-> 10 Price/FCF Close
Trailing P/FCF Close 10.50 7.97 9.21 9.35 5.98 6.74 6.72 13.08 6.65 2.58 1.87 7.97 <-Median-> 9 Trailing P/FCF Close
Median Values DPR 10 Yrs 57.84% 5 Yrs   30.45% P/CF 5 Yrs   in order 6.75 8.37 5.13 7.52 -72.30% Diff M/C DPR 75% to 95% best
* Free Cash Flow
-$1.16 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $2.47
-$1.74 $0.00 $0.00 $0.00 $0.00 $2.47
-$1.33 $0.00 $0.00 $0.00 $0.00 $1.63
-$1.33 $0.00 $0.00 $0.00 $0.00 $1.63
$0.45 <-12 mths -69.39%
EPS Basic $0.69 $0.59 $0.80 $0.96 $0.98 $1.19 $1.36 $1.41 $1.31 $0.72 -$0.48 $1.75 $1.63 103.75% <-Total Growth 10 EPS Basic
Calc $1.16 $1.36 $1.37 $1.25 $0.71 -$0.48 $1.59 $1.46
EPS Diluted $0.67 $0.56 $0.77 $0.89 $0.93 $1.16 $1.33 $1.37 $1.37 $0.71 -$0.48 $1.59 $1.47 $0.19 $0.71 $1.55 90.91% <-Total Growth 10 EPS Diluted
Increase 86.11% -16.42% 37.50% 15.58% 4.49% 24.73% 14.66% 3.01% 0.00% -48.18% -167.61% -431.25% -7.55% -87.07% 273.68% 118.31% 9 1 10 Years of Data, EPS P or N 90.00%
Earnings Yield 10.81% 8.89% 8.56% 4.75% 7.62% 11.66% 11.13% 11.93% 13.19% 6.97% -5.27% 11.05% 12.85% 2.98% 11.13% 24.29% 6.68% <-IRR #YR-> 10 Earnings per Share 90.91%
5 year Running Average -$0.08 -$0.09 $0.17 $0.65 $0.76 $0.86 $1.02 $1.14 $1.23 $1.19 $0.86 $0.91 $0.93 $0.70 $0.70 $1.10 1.42% <-IRR #YR-> 5 Earnings per Share 7.30%
10 year Running Average $0.39 $0.46 $0.65 $0.94 $0.98 $0.86 $0.96 $1.03 $0.96 $0.94 $0.98 18.55% <-IRR #YR-> 10 5 yr Running Average -8.27%
* Diluted ESP per share  E/P 10 Yrs 11.09% 5Yrs 11.05% -3.88% <-IRR #YR-> 5 5 yr Running Average -17.96%
-$0.77 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.47
-$1.37 $0.00 $0.00 $0.00 $0.00 $1.47
-$0.17 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.93
-$1.14 $0.00 $0.00 $0.00 $0.00 $0.93
Dividend* $0.46 $0.12 $0.12 Estimates Dividend*
Increase 2.22% -73.91% 0.00% Estimates Increase
Payout Ratio EPS 242.11% 16.90% 7.74% Estimates Payout Ratio EPS
Special Dividends $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.50 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 <-Median-> 10 Special Dividends
Dividend* $0.45 $0.60 $0.64 $0.72 $0.78 $0.78 $0.79 $0.84 $0.84 $0.84 $0.34 $0.31 $0.45 $0.42 $0.12 $0.12 -29.13% <-Total Growth 10 Dividends
Increase 38.46% 32.22% 6.72% 12.60% 9.09% 0.00% 0.64% 7.01% 0.00% 0.00% -60.12% -7.46% 45.16% -6.67% -71.43% 0.00% 9 6 18 Years of data, Count P, N 50.00%
Average Increases 5 Year Running 2.3% -2.8% 9.7% 19.8% 12.1% 5.8% 5.9% 3.3% 1.5% -10.5% -12.1% -4.5% -5.8% -20.1% -8.1% 4.58% <-Median-> 10 Average Incr 5 Year Running
Dividends 5 Yr Running $0.66 $0.61 $0.51 $0.54 $0.64 $0.70 $0.74 $0.78 $0.81 $0.82 $0.73 $0.63 $0.56 $0.47 $0.33 $0.28 8.36% <-Total Growth 10 Dividends 5 Yr Running
Yield H/L Price 8.77% 8.33% 8.22% 5.16% 5.23% 7.18% 7.52% 6.52% 7.84% 8.02% 4.68% 2.67% 3.46% 4.81% 5.88% <-Median-> 10 Yield H/L Price
Yield on High  Price 7.21% 7.22% 6.86% 3.81% 4.15% 5.95% 6.30% 5.81% 6.73% 6.83% 3.09% 2.15% 2.95% 3.50% 4.98% <-Median-> 10 Yield on High  Price
Yield on Low Price 11.19% 9.83% 10.24% 7.99% 7.06% 9.05% 9.33% 7.43% 9.39% 9.71% 9.63% 3.51% 4.19% 7.71% 8.52% <-Median-> 10 Yield on Low Price
Yield on Close Price 7.26% 9.44% 7.06% 3.81% 6.39% 7.84% 6.57% 7.32% 8.08% 8.24% 3.68% 2.15% 3.93% 6.58% 1.88% 1.88% 6.48% <-Median-> 10 Yield on Close Price
Payout Ratio EPS 67.16% 106.25% 82.47% 80.34% 83.87% 67.24% 96.62% 61.31% 61.31% 118.31% -69.79% 19.50% 30.61% 221.05% 16.90% 7.74% 64.28% <-Median-> 10 DPR EPS
DPR EPS 5 Yr Running -842% -675% 301% 83.69% 83.12% 81.32% 72.74% 68.66% 65.34% 68.77% 84.65% 69.41% 59.55% 67.67% 46.98% 25.77% 71.07% <-Median-> 10 DPR EPS 5 Yr Running
Payout Ratio CFPS 87.22% 419.97% 95.05% 101.50% 38.26% -22.27% -45.32% -11.14% -11.74% -12.51% 6.82% -1.03% -1.34% -0.54% -6.24% <-Median-> 10 DPR CF
DPR CF 5 Yr Running 28.04% 30.06% 30.92% 44.68% 78.03% 6951.15% -126.26% -35.03% -21.19% -14.72% -18.83% -6.79% -3.82% -1.65% -10.76% <-Median-> 10 DPR CF 5 Yr Running
Payout Ratio CFPS WC 28.16% -67.72% 260.86% 53.54% 27.98% 19.72% 26.12% 16.41% 14.96% 14.02% 6.17% 6.40% 5.67% 4.72% 15.69% <-Median-> 10 DPR CF WC
DPR CF WC 5 Yr Running 27.13% 32.92% 37.17% 49.78% 62.42% 47.08% 27.90% 21.53% 17.97% 15.96% 13.45% 11.73% 9.31% 7.11% 19.75% <-Median-> 10 DPR CF WC 5 Yr Running
Median Values 10 Yr Med 10 Yr Cl 5.88% 6.48% 5 Yr Med 5 Yr Cl 4.68% 3.93% 5 Yr Med Payout 30.61% -1.34% 6.40% -11.74% <-IRR #YR-> 5 Dividends -46.43%
* Dividends per share  10 Yr Med and Cur. -68.00% -70.98% 5 Yr Med and Cur. -59.77% -52.18% Last Div Inc ---> $0.050 $0.010 -80.00% -3.39% <-IRR #YR-> 10 Dividends -29.13%
Dividends Growth 15 -5.86% <-IRR #YR-> 15 Dividends -59.57%
Dividends Growth 20 -3.83% <-IRR #YR-> 16 Dividends
Dividends Growth 5 -$0.84 $0.00 $0.00 $0.00 $0.00 $0.45 Dividends Growth 5
Dividends Growth 10 -$0.64 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.45 Dividends Growth 10
Dividends Growth 15 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.45 Dividends Growth 15
Dividends Growth 20 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.45 Dividends Growth 20
Historical Dividends Historical High Div 34.98% Low Div 2.79% 10 Yr High 9.70% 10 Yr Low 2.23% Med Div 7.84% Close Div 7.32% 7.35% Since 2009 Historical Dividends
High/Ave/Median Values Curr diff Exp. -94.62% Exp -32.59% Exp. -80.61% -15.66% Exp. -76.01% Exp. -74.29% -74.41% Exp. High/Ave/Median 
Adjusted Historical Dividends Historical High Div 16.43% Low Div 2.55% 10 Yr High 9.70% 10 Yr Low 2.23% Med Div 7.35% Close Div 7.16% Adjusted Historical Dividends
High/Ave/Median Values Curr diff Exp. -88.55% Exp -26.24% Exp. -80.61% -15.66% Exp. -74.41% Exp. -73.72% High/Ave/Median Values
Future Dividend Yield Div Yield 0.00% earning in 5 Years at IRR of -71.43% Div Inc. -99.81% Future Dividend Yield
Future Dividend Yield Div Yield 0.00% earning in 10 Years at IRR of -71.43% Div Inc. -100.00% Future Dividend Yield
Future Dividend Yield Div Yield 0.00% earning in 15 Years at IRR of -71.43% Div Inc. -100.00% Future Dividend Yield
Future Dividend Paid Div Paid $0.00 earning in 5 Years at IRR of -71.43% Div Inc. -99.81% Future Dividend Paid
Future Dividend Paid Div Paid $0.00 earning in 10 Years at IRR of -71.43% Div Inc. -100.00% Future Dividend Paid
Future Dividend Paid Div Paid $0.00 earning in 15 Years at IRR of -71.43% Div Inc. -100.00% Future Dividend Paid
Dividend Covering Cost Total Div $0.17 over 5 Years at IRR of -71.43% Div Cov. 2.63% Dividend Covering Cost
Dividend Covering Cost Total Div $0.17 over 10 Years at IRR of -71.43% Div Cov. 2.63% Dividend Covering Cost
Dividend Covering Cost Total Div $0.17 over 15 Years at IRR of -71.43% Div Cov. 2.63% Dividend Covering Cost
Yield if held 5 years 7.13% 10.42% 37.05% 26.94% 15.20% 10.99% 10.87% 6.06% 5.63% 3.08% 2.97% 3.50% 3.92% 1.15% 1.67% 8.47% <-Median-> 10 Paid Median Price
Yield if held 10 years 9.41% 13.78% 43.52% 29.02% 6.53% 4.34% 5.83% 3.03% 0.80% 1.10% 9.41% <-Median-> 7 Paid Median Price
Yield if held 15 years 7.38% 21.76% 4.15% 2.34% 7.38% <-Median-> 1 Paid Median Price
Yield if held 20 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Cost covered if held 5 years 36.42% 42.02% 140.93% 109.67% 68.32% 58.71% 56.96% 32.67% 30.74% 38.12% 30.33% 21.55% 21.97% 15.61% 19.82% 47.54% <-Median-> 10 Paid Median Price
Cost covered if held 10 years 86.69% 114.21% 375.39% 268.05% 149.03% 103.01% 92.88% 49.68% 41.70% 51.20% 114.21% <-Median-> 7 Paid Median Price
Cost covered if held 15 years 159.74% 497.41% 324.53% 176.71% 159.74% <-Median-> 1 Paid Median Price
Cost covered if held 20 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Yr  Item Tot. Growth
Revenue Growth  $95.32 $110.59 $126.98 $117.06 $138.08 $276.37 $274.9 <-12 mths -0.51% 189.92% <-Total Growth 5 Revenue Growth  189.92%
EPS Growth $1.37 $1.37 $0.71 -$0.48 $1.59 $1.47 $0.45 <-12 mths -69.39% 7.30% <-Total Growth 5 EPS Growth 7.30%
Net Income Growth $23.35 $21.00 $11.63 -$7.81 $28.80 $28.55 $9.6 <-12 mths -66.34% 22.29% <-Total Growth 5 Net Income Growth 22.29%
Cash Flow Growth -$124.97 -$116.09 -$109.09 $79.88 -$499.22 -$591.17 -$61.3 <-12 mths -89.63% 0.00% <-Total Growth 5 Cash Flow Growth 0.00%
Dividend Growth $0.84 $0.84 $0.84 $0.34 $0.31 $0.45 $0.42 <-12 mths -6.67% -86.67% <-Total Growth 5 Dividend Growth -86.67%
Stock Price Growth $11.48 $10.39 $10.19 $9.11 $14.39 $11.44 $6.38 <-12 mths -44.23% -0.35% <-Total Growth 5 Stock Price Growth -0.35%
Revenue Growth  $86.60 $94.74 $108.10 $76.58 $91.58 $95.32 $110.59 $126.98 $117.06 $138.08 $276.37 $274.9 <-12 mths -0.51% 219.14% <-Total Growth 10 Revenue Growth  219.14%
EPS Growth $0.77 $0.89 $0.93 $1.16 $1.33 $1.37 $1.37 $0.71 -$0.48 $1.59 $1.47 $0.45 <-12 mths -69.39% 90.91% <-Total Growth 10 EPS Growth 90.91%
Net Income Growth $7.82 $9.50 $10.11 $18.04 $22.27 $23.35 $21.00 $11.63 -$7.81 $28.80 $28.55 $9.6 <-12 mths -66.34% 265.30% <-Total Growth 10 Net Income Growth 265.30%
Cash Flow Growth $6.58 $6.91 $21.24 -$56.96 -$46.82 -$124.97 -$116.09 -$109.09 $79.88 -$499.22 -$591.17 -$61.3 <-12 mths -89.63% 0.00% <-Total Growth 10 Cash Flow Growth 0.00%
Dividend Growth $0.64 $0.72 $0.78 $0.78 $0.79 $0.84 $0.84 $0.84 $0.34 $0.31 $0.45 $0.4 <-12 mths -6.67% -41.11% <-Total Growth 10 Dividend Growth -41.11%
Stock Price Growth $9.00 $18.75 $12.20 $9.95 $11.95 $11.48 $10.39 $10.19 $9.11 $14.39 $11.44 $6.38 <-12 mths -44.23% 27.11% <-Total Growth 10 Stock Price Growth 27.11%
Dividends on Shares $80.08 $87.36 $87.36 $143.92 $94.08 $94.08 $94.08 $37.52 $34.72 $50.40 $47.04 $13.44 $13.44 $803.60 No of Years 10 Total Divs 12/31/12
Paid  $1,008.00 $2,100.00 $1,366.40 $1,114.40 $1,338.40 $1,285.76 $1,163.68 $1,141.28 $1,020.32 $1,611.68 $1,281.28 $714.56 $714.56 $714.56 $1,281.28 No of Years 10 Worth $9.00
Total $2,084.88
Graham No. $8.43 $7.98 $9.49 $10.96 $11.90 $15.17 $16.19 $16.59 $16.87 $11.86 $16.85 $19.50 $19.93 $7.14 $13.80 #DIV/0! 109.99% <-Total Growth 10 Graham Price
Price/GP Ratio Med 0.61 0.90 0.81 1.26 1.25 0.72 0.64 0.78 0.64 0.88 0.43 0.60 0.65 1.22 0.68 <-Median-> 10 Price/GP Ratio
Price/GP Ratio High 0.74 1.03 0.97 1.71 1.58 0.86 0.77 0.87 0.74 1.04 0.64 0.74 0.77 1.68 0.82 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Low 0.48 0.76 0.65 0.82 0.93 0.57 0.52 0.68 0.53 0.73 0.21 0.45 0.54 0.76 0.55 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Close 0.74 0.79 0.95 1.71 1.03 0.66 0.74 0.69 0.62 0.86 0.54 0.74 0.57 0.89 0.46 #DIV/0! 0.71 <-Median-> 10 Price/GP Ratio
Prem/Disc Close -26.45% -21.08% -5.19% 71.15% 2.54% -34.40% -26.20% -30.80% -38.40% -14.05% -45.94% -26.21% -42.61% -10.66% -53.78% #DIV/0! -28.50% <-Median-> 10 Graham Price
Price Close $6.20 $6.30 $9.00 $18.75 $12.20 $9.95 $11.95 $11.48 $10.39 $10.19 $9.11 $14.39 $11.44 $6.38 $6.38 $6.38 27.11% <-Total Growth 10 Stock Price
Increase 47.27% 1.61% 42.86% 108.33% -34.93% -18.44% 20.10% -3.93% -9.49% -1.92% -10.60% 57.96% -20.50% -44.23% 0.00% 0.00% 13.00 <-Median-> 10 CAPE (10 Yr P/E)
P/E 9.25 11.25 11.69 21.07 13.12 8.58 8.98 8.38 7.58 14.35 -18.98 9.05 7.78 33.58 8.99 4.12 -0.07% <-IRR #YR-> 5 Stock Price -0.35%
Trailing P/E 17.22 9.40 16.07 24.35 13.71 10.70 10.30 8.63 7.58 7.44 12.83 -29.98 7.19 4.34 33.58 8.99 2.43% <-IRR #YR-> 10 Stock Price 27.11%
CAPE (10 Yr P/E) 25.38 25.81 17.58 11.04 10.44 10.58 14.93 11.06 6.62 6.77 6.50 4.88% <-IRR #YR-> 5 Price & Dividend 23.82%
Median 10, 5 Yrs D.  per yr 7.67% 4.95% % Tot Ret 75.96% 101.43% T P/E 9.47 7.44 P/E:  8.78 7.78 10.10% <-IRR #YR-> 10 Price & Dividend 106.83%
Price 15 D.  per yr 11.42% % Tot Ret 59.67% CAPE Diff 158.39% 7.72% <-IRR #YR-> 15 Stock Price 205.07%
Price 20 D.  per yr 8.03% % Tot Ret 73.82% 2.85% <-IRR #YR-> 16 Stock Price
Price & Dividend 15 19.14% <-IRR #YR-> 15 Price & Dividend 464.69%
Price & Dividend 20 10.88% <-IRR #YR-> 16 Price & Dividend
Price  5 -$11.48 $0.00 $0.00 $0.00 $0.00 $11.44 Price  5
Price 10 -$9.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.44 Price 10
Price & Dividend 5 -$11.48 $0.84 $0.84 $0.34 $0.31 $11.89 Price & Dividend 5
Price & Dividend 10 -$9.00 $0.72 $0.78 $0.78 $1.29 $0.84 $0.84 $0.84 $0.34 $0.31 $11.89 Price & Dividend 10
Price 15 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.44 Price  15
Price 20 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.44 Price 20
Price & Dividend 15 $0.45 $0.60 $0.64 $0.72 $0.78 $0.78 $1.29 $0.84 $0.84 $0.84 $0.34 $0.31 $11.89 Price & Dividend 15
Price & Dividend 20 $0.45 $0.60 $0.64 $0.72 $0.78 $0.78 $1.29 $0.84 $0.84 $0.84 $0.34 $0.31 $11.89 Price & Dividend 20
Price H/L Median $5.13 $7.15 $7.73 $13.85 $14.92 $10.86 $10.44 $12.88 $10.72 $10.48 $7.17 $11.61 $13.00 $8.73 68.28% <-Total Growth 10 Stock Price
Increase 77.20% 39.28% 8.12% 79.29% 7.69% -27.19% -3.91% 23.38% -16.74% -2.29% -31.60% 62.04% 11.97% -32.88% 5.34% <-IRR #YR-> 10 Stock Price 68.28%
P/E 7.66 12.76 10.03 15.56 16.04 9.36 7.85 9.40 7.82 14.75 -14.93 7.30 8.84 45.92 0.19% <-IRR #YR-> 5 Stock Price 0.97%
Trailing P/E 14.25 10.66 13.79 17.99 16.76 11.68 9.00 9.68 7.82 7.65 10.09 -24.19 8.18 5.94 13.84% <-IRR #YR-> 10 Price & Dividend
P/E on Run. 5 yr Ave -65.77 -79.39 45.44 21.31 19.52 12.60 10.27 11.33 8.70 8.82 8.33 12.73 13.95 12.54 4.58% <-IRR #YR-> 5 Price & Dividend
P/E on Run. 10 yr Ave 27.70 22.54 19.72 11.39 10.73 8.32 12.04 12.57 9.05 8.84 P/E Ratio Historical Median
Median 10, 5 Yrs D.  per yr 8.50% 4.39% % Tot Ret 61.39% 95.78% T P/E 9.34 7.82 P/E:  9.10 7.82 Count 17 Years of data
-$7.73 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $13.00
-$12.88 $0.00 $0.00 $0.00 $0.00 $13.00
-$7.73 $1.22 $0.78 $0.78 $0.79 $0.84 $0.84 $0.84 $0.34 $0.31 $13.45
-$12.88 $0.84 $0.84 $0.34 $0.31 $13.45
High Months Nov Apr Dec Dec Jan Apr Sep Apr Aug Mar Jan Nov  Mar Mar
Price High $6.24 $8.24 $9.25 $18.75 $18.78 $13.10 $12.46 $14.45 $12.49 $12.30 $10.85 $14.40 $15.25 $12.00 64.86% <-Total Growth 10 Stock Price
Increase 45.45% 32.05% 12.26% 102.70% 0.16% -30.24% -4.89% 15.97% -13.56% -1.52% -11.79% 32.72% 5.90% -21.31% 5.13% <-IRR #YR-> 10 Stock Price 64.86%
P/E 9.31 14.71 12.01 21.07 20.19 11.29 9.37 10.55 9.12 17.32 -22.60 9.06 10.37 63.16 1.08% <-IRR #YR-> 5 Stock Price 5.54%
Trailing P/E 17.33 12.30 16.52 24.35 21.10 14.09 10.74 10.86 9.12 8.98 15.28 -30.00 9.59 8.16 10.55 P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 10.80 9.12 P/E:  10.46 9.12 16.31 P/E Ratio Historical High
-$9.25 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $15.25
-$14.45 $0.00 $0.00 $0.00 $0.00 $15.25
Low Months Jan Dec Jan Feb Dec Dec Jan May Dec Aug Apr Jan Nov Oct
Price Low $4.02 $6.05 $6.20 $8.95 $11.05 $8.62 $8.41 $11.30 $8.95 $8.65 $3.48 $8.82 $10.75 $5.45 73.39% <-Total Growth 10 Stock Price
Increase 168.00% 50.50% 2.48% 44.35% 23.46% -21.99% -2.44% 34.36% -20.80% -3.35% -59.77% 153.45% 21.88% -49.30% 5.66% <-IRR #YR-> 10 Stock Price 73.39%
P/E 6.00 10.80 8.05 10.06 11.88 7.43 6.32 8.25 6.53 12.18 -7.25 5.55 7.31 28.68 -0.99% <-IRR #YR-> 5 Stock Price -4.87%
Trailing P/E 11.17 9.03 11.07 11.62 12.42 9.27 7.25 8.50 6.53 6.31 4.90 -18.38 6.76 3.71 7.31 P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 7.01 6.31 P/E:  7.37 6.53 2.24 P/E Ratio Historical Low
-$6.20 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $10.75
-$11.30 $0.00 $0.00 $0.00 $0.00 $10.75
-$61 <-12 mths 89.64%
Free Cash Flow MS $5.00 $1.17 $6.32 $15.56 -$5.12 -$57.22 -$47.49 -$125.91 -$116.30 -$109.40 $79.00 $471.01 -$592.08 $17.0 $26.0 $45.6 -9468% <-Total Growth 10 Free Cash Flow
Change -76.60% 440.17% 146.20% -132.90% -1017.58% 17.00% -165.13% 7.63% 5.93% 172.21% 496.22% -225.70% 102.87% 52.94% 75.38% 36.29% <-IRR #YR-> 5 Free Cash Flow MS -370.24%
FCF/CF from Op Ratio 1.03 0.84 0.96 2.25 -0.24 1.00 1.01 1.01 1.00 1.00 0.99 -0.94 1.00 -0.01 #VALUE! #DIV/0! #NUM! <-IRR #YR-> 10 Free Cash Flow MS -9468.35%
Dividends paid $4.46 $6.60 $7.18 $8.14 $9.16 $12.68 $22.86 $15.14 $15.07 $14.28 $5.94 $5.57 $8.77 $7.40 $2.11 $0.00 22.14% <-Total Growth 10 Dividends paid
Percentage paid -22.16% -48.13% -12.03% -12.96% -13.06% 7.52% 1.18% -1.48% 43.53% 8.13% 0.00% -12.49% <-Median-> 8 Percentage paid
5 Year Coverage 154.98% -111.37% -68.24% -30.87% -21.28% -17.54% -22.90% 28.23% -18.53% -31.21% 3203.83% -73.47% -21.28% <-Median-> 9 5 Year Covrage
Dividend Coverage Ratio 1.12 0.18 0.88 1.91 -0.56 -4.51 -2.08 -8.31 -7.72 -7.66 13.30 84.55 -67.50 2.30 12.30 0.00 -3.29 <-Median-> 10 Dividend Coverage Ratio
5 Year of Coverage 0.65 -0.90 -1.47 -3.24 -4.70 -5.70 -4.37 3.54 -5.40 -3.20 0.03 -1.36 -3.24 <-Median-> 9 5 Year of Coverage
$125.91 $0.00 $0.00 $0.00 $0.00 -$592.08
-$6.32 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 -$592.08
-$283 <-12 mths 52%
Free Cash Flow WSJ $17.30 -$56.44 -$47.66 -$119.73 -$109.56 -$100.41 $94.13 $471.01 -$592.08 $17.0 $26.0 -3523.42% <-Total Growth 8 Free Cash Flow
Change -426.35% 15.55% -151.19% 8.50% 8.35% 193.75% 400.37% -225.71% 102.87% 52.94% 37.67% <-IRR #YR-> 5 Free Cash Flow MS -394.52%
FCF/CF from Op Ratio 2.11 13.54 3.45 2.98 1.69 1.11 -1.48 -3.06 2.40 141.04 #VALUE! #NUM! <-IRR #YR-> 8 Free Cash Flow MS #DIV/0!
Dividends paid $9.16 $12.68 $22.86 $15.14 $15.07 $14.28 $5.94 $5.57 $8.77 $7.40 $2.11 -4.22% <-Total Growth 8 Dividends paid
Percentage paid 52.95% -22.47% -47.95% -12.65% -13.75% -14.22% 6.31% 1.18% -1.48% 43.53% 8.13% -12.65% <-Median-> 9 Percentage paid
5 Year Coverage -23.70% -18.45% -25.88% 23.79% -20.95% -38.03% 185.55% -20.95% <-Median-> 5 5 Year Covrage
Dividend Coverage Ratio 1.89 -4.45 -2.09 -7.91 -7.27 -7.03 15.85 84.55 -67.50 2.30 12.30 -4.45 <-Median-> 9 Dividend Coverage Ratio
5 Year of Coverage -4.22 -5.42 -3.86 4.20 -4.77 -2.63 0.54 5 Year of Coverage
$119.73 $0.00 $0.00 $0.00 $0.00 -$592.08
-$17.30 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 -$592.08
Market Cap $58.28 $61.81 $88.59 $183.96 $127.12 $161.83 $197.34 $190.28 $168.62 $165.57 $148.08 $238.51 $201.57 $112.41 $112.41 $0.00 127.54% <-Total Growth 10 Market Cap
Diluted # of Shares in Million 10.083 10.217 10.652 10.913 15.522 16.345 17.046 16.811 16.495 16.303 18.066 19.508 19.283 19.283 19.283 78.76% <-Total Growth 10 Diluted
Change 1.32% 4.26% 2.44% 42.24% 5.30% 4.29% -1.38% -1.88% -1.16% 10.81% 7.98% -1.15% 0.00% 0.00% 4.28% <-Median-> 10 Change
Difference Diluted/Basic -4.6% -3.8% -7.0% -6.0% -2.7% 2.6% -2.9% -2.2% -1.6% -0.2% -8.8% -10.4% -6.9% -7.9% -100.0% -2.81% <-Median-> 10 Difference Diluted/Basic
Basic # of Shares in Millions 10.040 9.623 9.826 9.910 10.262 15.102 16.764 16.550 16.439 16.235 16.270 16.474 17.477 17.957 17.754 77.87% <-Total Growth 10 Basic
Change 19.66% -4.15% 2.10% 0.86% 3.55% 47.17% 11.00% -1.27% -0.67% -1.24% 0.21% 1.25% 6.09% 2.75% -1.13% 1.05% <-Median-> 10 Change
Difference Basic/Outstanding -6.4% 1.9% 0.2% -1.0% 1.5% 7.7% -1.5% 0.1% -1.3% 0.1% -0.1% 0.6% 0.8% -1.9% -0.8% 0.11% <-Median-> 10 Difference Basic/Outstanding
-$1,368.73 <-12 mths -131.53%
# of Share in Millions 9.400 9.811 9.843 9.811 10.420 16.264 16.514 16.575 16.229 16.248 16.255 16.575 17.620 17.620 17.620 6.00% <-IRR #YR-> 10 Shares 79.01%
Change 39.01% 4.37% 0.33% -0.33% 6.21% 56.08% 1.54% 0.37% -2.09% 0.12% 0.04% 1.97% 6.30% 0.00% 0.00% 1.23% <-IRR #YR-> 5 Shares 6.30%
Cash Flow from Operations $M $4.9 $1.4 $6.6 $6.9 $21.2 -$57.0 -$46.8 -$125.0 -$116.1 -$109.1 $79.9 -$499.2 -$591.2 -$1,368.73 <-12 mths -9090% <-Total Growth 10 Cash Flow
Increase -82.33% -71.34% 373.09% 5.09% 207.37% -368.16% 17.80% -166.91% 7.10% 6.03% 173.22% -724.97% -18.42% -131.53% <-12 mths *Split Buy Back, SO
5 year Running Average $16.5 $14.3 $12.1 $9.4 $8.2 -$4.2 -$13.8 -$40.1 -$64.7 -$90.8 -$63.4 -$153.9 -$247.1 -$497.7 <-12 mths -2136.88% <-Total Growth 10 CF 5 Yr Running
CFPS $0.52 $0.14 $0.67 $0.70 $2.04 -$3.50 -$2.84 -$7.54 -$7.15 -$6.71 $4.91 -$30.12 -$33.55 -$77.68 <-12 mths -5122% <-Total Growth 10 Cash Flow per Share
Increase -87.29% -72.54% 371.56% 5.44% 189.40% -271.80% 19.05% -165.93% 5.12% 6.14% 173.19% -712.90% -11.40% -131.53% <-12 mths #NUM! <-IRR #YR-> 10 Cash Flow -9089.80%
5 year Running Average $2.34 $2.02 $1.66 $1.22 $0.81 $0.01 -$0.59 -$2.23 -$3.80 -$5.55 -$3.87 -$9.32 -$14.52 -$28.63 <-12 mths 36.45% <-IRR #YR-> 5 Cash Flow -373.06%
P/CF on Med Price 9.94 50.43 11.56 19.66 7.32 -3.10 -3.68 -1.71 -1.50 -1.56 1.46 -0.39 -0.39 -0.11 <-12 mths #NUM! <-IRR #YR-> 10 Cash Flow per Share -5122.04%
P/CF on Closing Price 12.02 44.47 13.47 26.62 5.98 -2.84 -4.21 -1.52 -1.45 -1.52 1.85 -0.48 -0.34 -0.08 <-12 mths 34.80% <-IRR #YR-> 5 Cash Flow per Share -345.02%
-91.29% Diff M/C #NUM! <-IRR #YR-> 10 CFPS 5 yr Running -144128.72%
$156.80 <-12 mths 12.05%
Excl.Working Capital CF $10.2 -$10.0 -$4.2 $6.2 7.81 $121.30 $128.06 $209.82 $207.19 $206.43 $8.36 $579.46 $731.10 45.51% <-IRR #YR-> 5 CFPS 5 yr Running -552.28%
CF fr Op $M WC $15.0 -$8.6 $2.4 $13.1 $29.1 $64.3 $81.2 $84.9 $91.1 $97.3 $88.2 $80.2 $139.9 $156.8 <-12 mths 5740.15% <-Total Growth 10 Cash Flow less WC
Increase -29.85% -157.39% 127.80% 446.79% 121.75% 121.46% 26.27% 4.44% 7.37% 6.85% -9.34% -9.08% 74.41% 12.05% <-12 mths 50.19% <-IRR #YR-> 10 Cash Flow less WC 5740.15%
5 year Running Average $17.6 $13.1 $9.9 $8.7 $10.2 $20.1 $38.0 $54.5 $70.1 $83.8 $88.6 $88.4 $99.4 $112.5 <-12 mths 10.52% <-IRR #YR-> 5 Cash Flow less WC 64.91%
CFPS Excl. WC $1.60 -$0.88 $0.24 $1.34 $2.79 $3.96 $4.92 $5.12 $5.61 $5.99 $5.43 $4.84 $7.94 $8.90 <-12 mths 25.90% <-IRR #YR-> 10 CF less WC 5 Yr Run 900.73%
Increase -49.53% -154.99% 127.71% 448.57% 108.79% 41.88% 24.36% 4.06% 9.65% 6.72% -9.38% -10.83% 64.07% 12.05% <-12 mths 12.76% <-IRR #YR-> 5 CF less WC 5 Yr Run 82.27%
5 year Running Average $2.42 $1.85 $1.38 $1.09 $1.02 $1.49 $2.65 $3.62 $4.48 $5.12 $5.41 $5.40 $5.96 $6.62 <-12 mths 41.70% <-IRR #YR-> 10 CFPS - Less WC 3162.53%
P/CF on Med Price 3.21 -8.13 31.74 10.37 5.35 2.75 2.12 2.52 1.91 1.75 1.32 2.40 1.64 0.98 <-12 mths 9.18% <-IRR #YR-> 5 CFPS - Less WC 55.14%
P/CF on Closing Price 3.88 -7.17 36.97 14.04 4.38 2.52 2.43 2.24 1.85 1.70 1.68 2.97 1.44 0.72 <-12 mths 15.78% <-IRR #YR-> 10 CFPS 5 yr Running 332.70%
*Operational Cash Flow CF/-WC P/CF Med 10 yr -0.94 5 yr  -0.39 P/CF Med 10 yr 2.26 5 yr  1.75 Diff M/C 10.48% <-IRR #YR-> 5 CFPS 5 yr Running 64.56%
-9.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 17.6 Shares
-16.6 0.0 0.0 0.0 0.0 17.6 Shares
-$6.6 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 -$591.2 Cash Flow
$125.0 $0.0 $0.0 $0.0 $0.0 -$591.2 Cash Flow
-$0.67 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 -$33.55 Cash Flow per Share
$7.54 $0.00 $0.00 $0.00 $0.00 -$33.55 Cash Flow per Share
-$1.7 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 -$14.5 CFPS 5 yr Running
$2.2 $0.0 $0.0 $0.0 $0.0 -$14.5 CFPS 5 yr Running
-$2.4 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $139.9 Cash Flow less WC
-$84.9 $0.0 $0.0 $0.0 $0.0 $139.9 Cash Flow less WC
-$9.9 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $99.4 CF less WC 5 Yr Run
-$54.5 $0.0 $0.0 $0.0 $0.0 $99.4 CF less WC 5 Yr Run
-$0.24 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $7.94 CFPS - Less WC
-$5.12 $0.00 $0.00 $0.00 $0.00 $7.94 CFPS - Less WC
-$1.38 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $5.96 CFPS 5 yr Running
-$3.6 $0.0 $0.0 $0.0 $0.0 $6.0 CFPS 5 yr Running
Changes in NOA -$20.544 $0.147 0.134 -$0.917
Restricted Funds -$6.181 -$6.749 -$8.995 -$15.132 -$29.601
Prepaid Expenses -$0.080 $0.654
Other Assets -$2.579 $4.238 $3.548 $5.197 -$1.593 $14.832
Accounts Payable & other liab -$0.562 $1.545 $2.876 -$0.556 $2.535 -$0.684 $10.061 -$10.982
Customer Secuirty Deeposits -$0.744 $0.106 $1.334 $1.467 -$3.949 -$4.906 -$2.785 -$1.661
Non-cash items in Net Income -$0.698 -1.033 $2.411
Finance Receivables -34.874 -$25.051 -$239.191 -$294.253 -$343.614 -$400.725 -$442.342 -$280.753 -$934.034 -$1,737.840
Finance Receivables -$25.539 -$28.601 -$30.072 -$34.354 -$35.681 -$20.523 -$57.074 -$71.897
Finance Receivables $164.549 $199.162 $182.252 $233.193 $285.315 $304.988 $434.362 $1,076.431
Borrowings  $7.048 25.638 $15.113
Non Cash Transactions $0.306 0.34 $0.575
Int convertible deb -$1.300 -$1.300 -$1.300 -$0.061 $0.000
Income tax refund received -$18.433 -$5.372 -$12.532 -$3.645 -$6.861 $3.450 $1.208 $0.018
Income taxes paid
                     
Sum $6.803 -$9.795 -$7.869 -$121.30 -$128.06 -$209.816 -$207.192 -$206.430 -$8.363 -$579.456 -$731.099
Google Finance old -->TD $4.18 -$6.19 -$7.81 -$121.33 -$128.06 -$210 -$207 -$206 -$8 -$579 -$735
Difference $2.62 -$3.61 -$0.06 $0.03 $0.00 $0 $0 $0 $0 $0 $4
TD -$15.00 -$53.00 -$121.00 -$128
Difference $5 $45 $0 $0
Google Finance 2016 -$3.46 -$15.02 -$53.18 -$121.33
OPM 18.84% -11.17% 2.77% 13.83% 26.88% 84.02% 88.71% 89.01% 82.38% 76.66% 75.39% 58.10% 50.63% 48.85% 1729.95% <-Total Growth 10 OPM (CF less WC)
Increase -31.36% -159.29% -124.77% 399.79% 94.35% 212.62% 5.58% 0.35% -7.45% -6.94% -1.66% -22.92% -12.86% -3.53% Should increase  or be stable.
Diff from Median -75.2% -114.7% -96.4% -81.8% -64.6% 10.5% 16.7% 17.1% 8.4% 0.8% -0.8% -23.6% -33.4% -35.7% 0.00 <-Median-> 10 OPM
*Operational Profit Margin (CF/Revenue) Ratio OPM 10 Yrs 76.02% 5 Yrs 75.39% should be  zero, it is a   check on calculations
$27 <-12 mths -62.25%
Adjusted EBITDA $17.95 $21.62 $22.98 $32.43 $31.03 $31.86 $35.01 $29.67 $35.01 $44.92 $72.54 $20.60 $35.90 $61.40 304.03% <-Total Growth 10 Adjusted EBITDA
Change 20.44% 6.25% 41.15% -4.31% 2.67% 9.90% -15.25% 17.99% 28.30% 61.48% -71.60% 74.27% 71.03% 13.94% <-Median-> 10 Change
Margin 20.73% 22.82% 21.25% 42.35% 33.88% 33.42% 31.66% 23.37% 29.91% 32.53% 26.25% 6.42% 10.98% 16.91% 30.79% <-Median-> 10 Margin
Finance Receivables (Assets) $90.30 $109.01 $124.25 $159.30 $197.56 $365.56 $431.05 $550.65 $728.92 $821.09 $740.88 $1,439.73 $2,330.26 $2,163.44 1775.46% <-Total Growth 10 Financie Receivables. Type
Debt/Asset Ratio 0.48 0.38 0.38 0.62 0.54 0.70 0.68 0.75 0.83 0.87 0.86 0.93 0.95 0.96 148.98% <-Total Growth 10 Rec/Debt Ratio D/A Ratio
Long Term Debt $43.32 $41.69 $47.58 $97.99 $105.85 $255.17 $293.08 $412.16 $601.53 $714.69 $638.98 $1,339.67 $2,221.65 $2,078.91 4569.59% <-Total Growth 10 Debt Lg Term R
Change -3.76% 14.12% 105.95% 8.02% 141.07% 14.86% 40.63% 45.95% 18.81% -10.59% 109.66% 65.84% -6.42% 43.29% <-Median-> 10 Change Intang/GW
Debt/Market Cap Ratio 0.74 0.67 0.54 0.53 0.83 1.58 1.49 2.17 3.57 4.32 4.31 5.62 11.02 18.49 2.87 <-Median-> 10 Debt/Market Cap Ratio Liquidity
Assets/Current Liabilities Ratio 7.92 10.42 6.34 14.77 15.26 6.62 34.63 43.23 52.45 55.06 47.20 50.53 79.78 61.33 45.21 <-Median-> 10 Assets/Current Liab Ratio Liq. + CF
Current Liabilities/Asset Ratio 0.13 0.10 0.16 0.07 0.07 0.15 0.03 0.02 0.02 0.02 0.02 0.02 0.01 0.02 0.02 <-Median-> 10 Current Liab/Asset Ratio Debt Ratio
Debt/Cash Flow Ratio 2.88 -4.84 19.86 7.48 3.64 3.97 3.61 4.86 6.60 7.34 7.24 16.70 15.88 13.26 6.92 <-Median-> 10 Years to pay off debt Leverage
D/E Ratio
Intangibles $7.42 $7.44 $6.80 $7.03 $8.13 $23.34 $21.87 $19.68 $18.77 $17.08 $10.92 $26.94 $27.47 $29.11 304.31% <-Total Growth 10 Intangibles
Goodwill $13.22 $14.12 $13.87 $14.65 $19.94 $41.25 $40.81 $39.86 $41.04 $40.33 $23.92 $43.14 $48.11 $48.09 246.89% <-Total Growth 10 Goodwill
Sum $20.64 $21.56 $20.67 $21.68 $28.07 $64.59 $62.68 $59.54 $59.80 $57.41 $34.84 $70.08 $75.59 $77.20 265.77% <-Total Growth 10 Sum
Change 4.46% -4.14% 4.91% 29.47% 130.10% -2.95% -5.01% 0.44% -3.99% -39.32% 101.16% 7.86% 2.13% 2.67% <-Median-> 10 Change
Intangible/Market Cap Ratio 0.72 0.37 0.33 0.24 0.15 0.51 0.39 0.30 0.31 0.34 0.21 0.47 0.32 0.38 0.32 <-Median-> 10 Intangible/Market Cap Ratio
Current Assets $27.03 $16.87 $7.35 $33.49 $25.95 $133.33 $25.91 $27.18 $36.56 $43.12 $48.29 $90.70 $112.05 $117.55 Liquidity ratio of 1.5 and up, best
Current Liabilities $17.77 $14.29 $25.45 $14.66 $16.74 $85.37 $15.24 $14.89 $15.60 $16.84 $17.53 $31.76 $31.76 $38.79 24.81% <-Total Growth 10 Current Assets
Liquidity 1.52 1.18 0.29 2.28 1.55 1.56 1.70 1.83 2.34 2.56 2.75 2.86 3.53 3.03 1121.94% <-Total Growth 10 Current Liabilities
Liq. with CF less WC aft div 2.13 0.84 0.14 2.70 2.80 2.17 5.64 6.59 7.31 7.53 7.48 5.22 7.68 6.88 6.11 <-Median-> 10 Ratio
Liq. CF less WC  re  Inv+Div  0.89 0.87 0.30 2.19 0.71 1.10 0.71 0.91 1.24 1.40 6.67 2.46 2.79 2.54 2.46 <-Median-> 5 Liq. with CF less WC aft div
Liq. CF less WC  re  Inv+Div 
Assets $140.79 $148.87 $161.40 $216.52 $255.44 $565.51 $527.94 $643.61 $818.19 $926.92 $827.44 $1,604.95 $2,534.20 $2,379.02 1470.18% <-Total Growth 10 Assets
Liabilities $96.48 $89.99 $100.84 $148.36 $175.60 $408.96 $370.04 $482.39 $654.69 $770.23 $686.62 $1,416.97 $2,305.79 $2,153.01 2186.58% <-Total Growth 10 Liabilities
Debt Ratio 1.46 1.65 1.60 1.46 1.45 1.38 1.43 1.33 1.25 1.20 1.21 1.13 1.10 1.10 1.29 <-Median-> 10 Ratio
Estimates BVPS $11.30 $12.00 $14.20 Estimates Estimates BVPS
Estimate Book Value $199.1 $211.4 $0.0 Estimates Estimate Book Value
P/B Ratio (Close) 0.56 0.53 0.45 Estimates P/B Ratio (Close)
Difference from 10 year median -52.58% Diff M/C Estimates Difference from 10 yr med.
Total Equity $44.31 $58.88 $60.56 $68.16 $79.84 $156.56 $157.89 $161.22 $163.50 $156.68 $140.82 $187.98 $228.41 $226.01 277.19% <-Total Growth 10 Total Equity
NCI $0.00 $9.27 $9.36 $9.36 $9.36 $13.19 $13.19 $13.23 $13.71 $13.71 $11.80 $11.80 $16.72 $15.82 78.72% <-Total Growth 10 NCI
Book Value $44.31 $49.61 $51.20 $58.80 $70.49 $143.36 $144.70 $147.99 $149.78 $142.97 $129.02 $176.19 $211.68 $210.19 $210.19 $210.19 313.46% <-Total Growth 10 Book Value
Book Value per Share $4.71 $5.06 $5.20 $5.99 $6.76 $8.81 $8.76 $8.93 $9.23 $8.80 $7.94 $10.63 $12.01 $11.93 $11.93 #DIV/0! 130.97% <-Total Growth 10 Book Value per Share
Change -24.32% 7.28% 2.86% 15.22% 12.87% 30.31% -0.59% 1.90% 3.37% -4.66% -9.80% 33.92% 13.02% -0.70% 0.00% #DIV/0! -53.96% P/B Ratio Current/Historical Median
P/B Ratio (Median) 1.09 1.41 1.49 2.31 2.20 1.23 1.19 1.44 1.16 1.19 0.90 1.09 1.08 0.73 1.16 P/B Ratio Historical Median
P/B Ratio (Close) 1.32 1.25 1.73 3.13 1.80 1.13 1.36 1.29 1.13 1.16 1.15 1.35 0.95 0.53 0.53 #DIV/0! 8.73% <-IRR #YR-> 10 Book Value per Share
Change 94.60% -5.28% 38.89% 80.81% -42.35% -37.41% 20.82% -5.72% -12.44% 2.87% -0.89% 17.95% -29.66% -43.84% 0.00% #DIV/0! 6.12% <-IRR #YR-> 5 Book Value per Share
Leverage (A/BK) 3.18 2.53 2.67 3.18 3.20 3.61 3.34 3.99 5.00 5.92 5.88 8.54 11.10 10.53 #DIV/0! #DIV/0! 4.50 <-Median-> 10 A/BV
Debt/Equity Ratio 2.18 1.53 1.67 2.18 2.20 2.61 2.34 2.99 4.00 4.92 4.88 7.54 10.10 9.53 #DIV/0! #DIV/0! 3.50 <-Median-> 10 Debt/Eq Ratio
Sharerholders Equity (Assets less liabilities) P/BV 10 yr Med 1.19 5 yr Med 1.09 -55.08% Diff M/C 3.20 Historical Leverage (A/BK)
-$5.20 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $12.01
-$8.93 $0.00 $0.00 $0.00 $0.00 $12.01
$7.2 <-12 mths -81.57%
Comprehensive Income $5.28 7.557 $7.92 $14.16 $17.41 $36.16 $21.24 $17.35 $31.14 $7.90 -$10.95 $30.33 $41.69
NCI $0.00 $0.99 $1.03 $1.83 $2.16 $3.22 $1.76 $1.42 $2.57 $2.57 -$0.91 $2.30 $2.74
Shareholder $5.28 $6.57 $6.88 $12.33 $15.24 $32.93 $19.47 $15.93 $28.57 $5.33 -$10.04 $28.02 $38.95 465.91% <-Total Growth 10 Comprehensive Income
Increase 185.62% 24.30% 4.80% 79.21% 23.60% 116.03% -40.87% -18.22% 79.40% -81.35% -288.38% 379.21% 38.97% 39.0% <-Median-> 5 Comprehensive Income
5 Yr Running Average $7.91 -$1.40 $2.40 $4.98 $9.26 $14.79 $17.37 $19.18 $22.43 $20.45 $11.85 $13.56 $18.17 18.93% <-IRR #YR-> 10 Comprehensive Income 465.91%
ROE 11.9% 11.2% 11.4% 18.1% 19.1% 21.0% 12.3% 9.9% 17.5% 3.4% -7.1% 14.9% 17.1% 19.58% <-IRR #YR-> 5 Comprehensive Income 144.56%
5Yr Median -1.1% -1.1% 11.2% 11.4% 11.9% 18.1% 18.1% 18.1% 17.5% 12.3% 9.9% 9.9% 14.9% 22.46% <-IRR #YR-> 10 5 Yr Running Average 4.57%
% Difference from NI -24.3% -2.2% -25.5% 12.0% 33.2% 67.2% -19.8% -37.4% 24.7% -58.2% 17.7% -8.8% 26.4% -1.08% <-IRR #YR-> 5 5 Yr Running Average -5.29%
Median Values Diff 5, 10 yr 14.9% 17.7% 14.9% <-Median-> 5 Return on Equity
-$6.9 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $38.9
-$15.9 $0.0 $0.0 $0.0 $0.0 $38.9
-$2.4 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $18.2
-$19.2 $0.0 $0.0 $0.0 $0.0 $18.2
Current Liability Coverage Ratio 0.85 -0.60 0.09 0.89 1.74 0.75 5.33 5.70 5.84 5.78 5.03 2.53 4.41 4.04   CFO / Current Liabilities
5 year Median 1.19 1.19 0.85 0.85 0.85 0.75 0.89 1.74 5.33 5.70 5.70 5.70 5.03 4.41 5.03 <-Median-> 5 Current Liability Cov Ratio
Asset Efficiency Ratio 10.67% -5.79% 1.48% 6.05% 11.37% 11.38% 15.39% 13.18% 11.13% 10.50% 10.66% 5.00% 5.52% 6.59% CFO / Total Assets
5 year Median 13.12% 13.12% 10.67% 6.05% 6.05% 6.05% 11.37% 11.38% 11.38% 11.38% 11.13% 10.66% 10.50% 6.59% 10.5% <-Median-> 5 Return on Assets 
Return on Assets ROA 4.96% 3.80% 4.84% 4.39% 3.96% 3.19% 4.22% 3.63% 2.57% 1.26% -0.94% 1.79% 1.13% 0.16% Net  Income/Assets Return on Assets
5Yr Median -3.26% -3.26% 3.80% 4.39% 4.39% 3.96% 4.22% 3.96% 3.63% 3.19% 2.57% 1.79% 1.26% 1.13% 1.3% <-Median-> 5 Asset Efficiency Ratio
Return on Equity ROE 15.75% 11.40% 15.26% 16.15% 14.34% 12.58% 15.39% 15.77% 14.02% 8.14% -6.06% 16.34% 13.49% 1.78% Net Inc/ Shareholders' equity Return on Equity
5Yr Median -9.44% -9.44% 11.40% 15.26% 15.26% 14.34% 15.26% 15.39% 14.34% 14.02% 14.02% 14.02% 13.49% 8.14% 13.5% <-Median-> 5 Return on Equity
$9.6 <-12 mths -66.34%
Net Income $6.98 6.509 $8.99 $10.91 $11.54 $19.80 $24.28 $25.43 $22.89 $12.69 -$8.525 $31.169 $30.416
NCI $0.00 $0.85 $1.17 $1.41 $1.43 $1.77 $2.01 $2.09 $1.89 $1.06 -$0.711 $2.373 $1.868
Shareholder $6.98 $5.66 $7.82 $9.50 $10.11 $18.04 $22.27 $23.35 $21.00 $11.63 -$7.814 $28.796 $28.548 $3.7 $15.8 $30.3 265.30% <-Total Growth 10 Net Income
Increase -123% -18.92% 38.15% 21.52% 6.40% 78.51% 23.43% 4.85% -10.06% -44.59% -167.17% -468.52% -0.86% -86.90% 322.46% 91.77% EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average $2.4 -$7.1 -$4.6 -$0.1 $8.0 $10.2 $13.5 $16.7 $18.9 $19.3 $14.1 $15.4 $16.4 $13.0 $13.8 $21.4 13.83% <-IRR #YR-> 10 Net Income 265.30%
Operating Cash Flow $4.85 $1.39 $6.58 $6.91 $21.24 -$56.96 -$46.82 -$124.97 -$116.09 -$109.09 $79.88 -$499.22 -$591.17 4.11% <-IRR #YR-> 5 Net Income 22.29%
Investment Cash Flow -$13.24 $0.00 -$0.26 -$0.60 -$38.66 -$23.54 $24.12 -$0.94 -$0.21 -$0.31 -$0.88 $1.79 -$0.44 #NUM! <-IRR #YR-> 10 5 Yr Running Ave. 457.98%
Total Accruals $15.36 $4.27 $1.50 $3.18 $27.52 $98.54 $44.97 $149.25 $137.30 $121.04 -$86.81 $526.23 $620.16 -0.26% <-IRR #YR-> 5 5 Yr Running Ave. -1.31%
Total Assets $140.79 $148.87 $161.40 $216.52 $255.44 $565.51 $527.94 $643.61 $818.19 $926.92 $827.44 $1,604.95 $2,534.20 Balance Sheet Assets
Accruals Ratio 10.91% 2.87% 0.93% 1.47% 10.77% 17.43% 8.52% 23.19% 16.78% 13.06% -10.49% 32.79% 24.47% 16.78% <-Median-> 5 Ratio
EPS/CF Ratio 0.42 -0.64 3.16 0.67 0.33 0.29 0.27 0.27 0.24 0.12 -0.09 0.33 0.19 0.27 <-Median-> 10 EPS/CF Ratio
. 
-$7.8 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $28.5
-$23.3 $0.0 $0.0 $0.0 $0.0 $28.5
$4.6 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $16.4
-$16.7 $0.0 $0.0 $0.0 $0.0 $16.4
Chge in Close 47.27% 1.61% 42.86% 108.33% -34.93% -18.44% 20.10% -3.93% -9.49% -1.92% -10.60% 57.96% -20.50% -44.23% 0.00% 0.00% Count 17 Years of data
Up/Down up down down down down down up down up down down Count 13 76.47%
Any Predictions? Yes Yes Yes Yes Yes Yes Yes % right Count 9 69.23%
Financial Cash Flow $3.20 $0.00 -$8.02 $10.65 $4.57 $84.74 $18.53 $118.42 $114.85 $118.28 -$80.23 $500.03 $591.68 C F Statement  Financial Cash Flow
Total Accruals $12.16 $4.27 $9.52 -$7.47 $22.95 $13.80 $26.43 $30.83 $22.45 $2.75 -$6.59 $26.20 $28.48 Accruals
Accruals Ratio 8.64% 2.87% 5.90% -3.45% 8.98% 2.44% 5.01% 4.79% 2.74% 0.30% -0.80% 1.63% 1.12% 1.12% <-Median-> 5 Ratio
Cash $12.86 $7.34 $5.59 $22.66 $10.22 $15.92 $11.44 $3.64 $2.33 $11.03 $9.67 $12.38 $103.48 $97.75 Cash
Cash per Share $1.37 $0.75 $0.57 $2.31 $0.98 $0.98 $0.69 $0.22 $0.14 $0.68 $0.59 $0.75 $5.87 $5.55 $0.68 <-Median-> 5 Cash per Share
Percentage of Stock Price 22.07% 11.88% 6.31% 12.32% 8.04% 9.84% 5.80% 1.91% 1.38% 6.66% 6.53% 5.19% 51.34% 86.96% 6.53% <-Median-> 5 % of Stock Price
Notes:
November 7, 2023.  Last estimates were for 2022, 2023 and 2024 of $279M, $360M and $420M for Revenue, $2.90, $3.36 and $3.76 for FCF, $1.53, $1.84 and $2.80 for EPS, 
$0.45, $0.54 and $0.64 for Dividends, $56.7M, $65.8M and $73.6M for FCF, $12.00, $13.20 and $16.80 for BVPS, and $29.7M, $41.7M and $52.9M for Net Income.
November 11, 2022.  Last estimates were for 2021, 2022 and 2023 of $136M, $215M and $281M, 1.54, $1.61 and $2.00 for EPS, 
$0.32, $0.41 and $1.00 for Dividends, $33.1M, $46.3M and $48.5M for FCF and $26.5M, $22.3M and $25.8M for Net Income.
November 14, 2021.  Last estimates were for 2020 and 2021 of $116M and $107M for Revenue, -$0.44 and $0.17 for EPS, and $0.25 and $0 for Dividends.
November 22, 2020.  Last estimates were for 2019 and 2020 of 127M, $136M for Revenue, $0.82 and $1.10 for EPS, 
November 24, 2019.   Last estimates were for 2018, and 2019 of $111M and $125M for Revenue, $1.24 and $1.26 for EPS
December 1, 2018.  Last estimates were for 2017, 2018 and 2019 of $6.22M, $6.82M and $6.82M for Revenue, 
$0.78, $1.07 and $1.21 for EPS, $15M, $22M and $23M for Net Income.
December 3, 2017.  Last estimates were for 2016, 2017 and 2018 of $92.1M, $103M and $113M for Revenue, 
$1.18, $1.36 and $1.51 for EPS, $23.4M, $25M and $28.1M for Net Income.
December 3, 2016.  Last estiamtes were for 2015, 2016 and 2017 of $86.6M, $102M and $114M for Revenue, 
$1.06, $1.22 and $1.44 for EPS and $20.8M, $22.4M and $25.3M for Net Income.
December 6, 2015.  Last estimates were for 2014 and 2015 of $84.3M and $97.3M for Revenue, $1.08 and $1.33 for EPS and $13.8M and $17.6M for Net Income.
November 9, 2014.  Last estimates were for 2013, 2014 and 2015 of $95M, $106.8M and 119M for Revenue, $1.01, $1.18 and $1.40 for EPS.
November 23, 2013.  Last estimates were for 2012 and 2013 of $87M and $95M for Revenue and $.67 and $.82 for EPS
2011.  Company was an Income Trust under Chesswood Income Fund (TSX-CHW.UN), but was changed to a corporation in 2011.  Law changed in 2006 to become effective
2011.  Company consolidated on a 100 to 1 basis, then split on 1 to 100 basis in January 2011.
2006.  The Fund was created on February 16, 2006 but began operations on May 10, 2006.  First fiscal year end is December 2006.
There are special voting shares that are comsidered to be a liability to the company.
According to G&M site, there was a company prior to this company becoming an income trust to 2006.  It would not be easy to figure out how old shares translated into new ones, so I will not do this.
Tax changes were announced in October 2006 effective in January 1, 2011.
There are some special voting shares???
Sector:
Financial Services, Financial 
This company used to be consider a consumer discretionary stock until 2015.
What should this stock accomplish?
Would I buy this company and Why.
I would not buy this stock at this time.  It has improved since the last time I reviewed this stock.  I would like to see better growth in cash flows. 
Why am I following this stock. 
A reader wrote me in 2012 that he was researching and found a company that he hoped I could give him a brief outlook on.  He said that the company is Chesswood Group and they are basically a 
financial leasing company. From 2009 to 2012 they increased their dividends from 2.5 cents to 5.5 cents per month.   This is a 120% increase. 
Dividends
Dividends are paid monthly.  Dividends are declared for shareholders of record for one month and paid in the following month.
For example, the dividend declared on January 22, 2014 for shareholders of record of January 31, 2014 was paid on February 18, 2014
The company's website gives date declared for shareholders of record, not paid date.
How they make their money.
Chesswood Group Ltd is a holding company whose subsidiaries engage in the business of specialty finance (including equipment finance throughout North America, and 
vehicle finance in Canada), as well as the origination and management of private credit alternatives for North American investors.  The US Equipment Financing business, 
which is the key revenue driver, is located in the US and is involved in small-ticket equipment leasing and lending to small and medium-sized businesses.   
It owns Pawnee Leasing Corporation, located in Fort Collins, Colorado, is Chesswood’s largest operating company.  Pawnee’s assets comprise approximately 75% of Chesswood’s consolidated assets.
Chesswood recently added Case Funding Inc., a U.S. legal finance company, to its specialty finance portfolio.
* Split info.  On January 1, 2011, prior to the conversion to a corporation, the Fund consolidated its Fund Units on a 1 for 100 basis. The Fund paid out any unitholder with less than one unit after the consolidation (and who had
filed the necessary paperwork with the transfer agent) based on the average trading price five days prior to the consolidation which was $6.05. The unit consolidation eliminated 2,808 Fund Units and approximately
291 registered unitholders for a total cost of $27. In conjunction with the unit consolidation mentioned above, the Fund split its Fund Units on a ‘100 for 1 basis’ on January 1, 2011. The unit split returned the
units outstanding back to original levels for unitholders who owned more than 100 units.
They effectively got rid of any shareholder with less than 10,000 shares.
For most ratios, lower is better when looking for a good stock price.  However, there are exceptions such as for yield (dividends and erarnings) and asset/liability ratios and here you want a higher ratios to indicate a good stock price.  
Also, for the Operational Profit Margin, a higher percentage is better.  With the OPM, you should only compare companies in similar industries.
Shares; '%, Value $M %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Change
Date 2015 Dec 3 2016 Dec 3 2017 Dec 2 2018 Nov 25 2019 Nov 22 2020 Nov 14 2021 Nov 11 2022 Nov 7 2023
Marr, Ryan 1.060 6.52% 0.960 5.79% 1.002 5.69% 1.012 5.75% Joined company in 2020 1.00%
CEO - Shares - Amount $9.653 $13.822 $11.467 $6.459
Options - percentage 0.000 0.00% 0.275 1.66% 0.315 1.79% 0.411 2.33% 30.57%
Options - amount $0.000 $3.957 $3.604 $2.624
Shafran, Barry Wade 0.73% 0.120 0.73% 0.150 0.90% 0.150 0.92% 0.160 0.98% 0.160 0.98% Other officer
CEO - Shares - Amount $1.189 $1.192 $1.719 $1.556 $1.628 $1.455 was CEO
Options - percentage 4.09% 0.765 4.63% 0.825 4.98% 0.915 5.64% 0.905 5.57% 0.905 5.57%
Options - amount $6.617 $7.612 $9.471 $9.507 $9.222 $8.245
Rajchel, Tobias 0.001 0.01% 0.002 0.01% 0.013 0.07% Joined company in 2020 712.00%
CFO - Shares - Amount $0.017 $0.018 $0.083
Options - percentage 0.008 0.05% 0.033 0.19% 0.047 0.27% 42.36%
Options - amount $0.115 $0.378 $0.300
Ma, Yanfeng 0.025 0.14% 0.032 0.18% subsidiary Executive 27.44%
CFO - Shares - Amount $0.284 $0.202 Last updated Jun 2023
Options - percentage 0.000 0.00% 0.010 0.06% #DIV/0!
Options - amount $0.000 $0.064
Souverein, Gary 0.258 1.59% 0.331 2.00% 0.395 2.24% 0.403 2.29% subsidiary Executive 2.11%
Officer - Shares - Amount $2.354 $4.759 $4.513 $2.570 Last updated Mar 2023
Options - percentage 0.355 2.18% 0.295 1.78% 0.285 1.62% 0.295 1.67% 3.39%
Options - amount $3.234 $4.245 $3.260 $1.880
Wittlin, Daniel 1.870 11.50% 1.976 11.92% 2.316 13.14% 2.743 15.57% last filing Oct 23 18.44%
Director - Shares - Amount $17.032 $28.433 $26.491 $17.499 10% Holders
Options - percentage 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% Listed As director 2022 #DIV/0!
Options - amount $0.000 $0.000 $0.000 $0.000
Davloor, Ragshunath 0.015 0.09% 0.025 0.14% 0.025 0.14% Last report Jun 2023 0.00%
Director - Shares - Amount $0.216 $0.286 $0.160
Options - percentage 0.009 0.05% 0.018 0.10% 0.027 0.15% 50.00%
Options - amount $0.130 $0.206 $0.172
Copeland, Clare Robert 0.16% 0.032 0.19% 0.038 0.23% 0.044 0.27% 0.051 0.31% 0.051 0.31% 0.060 0.36%
Director - Shares - Amount $0.260 $0.319 $0.437 $0.458 $0.521 $0.465 $0.865
Options - percentage 0.04% 0.006 0.04% 0.006 0.04% 0.000 0.00% 0.007 0.04% 0.007 0.04% 0.016 0.10%
Options - amount $0.060 $0.060 $0.069 $0.000 $0.071 $0.064 $0.230
Barbaro, Catherine
Director - Shares - Amt
Options - percentage
Options - amount
Sonshine, Edward 11.06% 12.845 77.78% 1.851 11.17% 1.875 11.56% 1.902 11.71% 1.935 11.91% 1.945 11.74% 1.989 11.29% 2.041 11.58% Advisor to the Board 2.61%
Chairman - Shares - Amt $17.902 $127.810 $21.252 $19.484 $19.384 $17.630 $27.996 $22.751 $13.020 Became Chairman 2020
Options - percentage 0.04% 0.006 0.04% 0.006 0.04% 0.007 0.04% 0.007 0.04% 0.000 0.00% 0.010 0.06% 0.012 0.07% 0.010 0.06% -16.67%
Options - amount $0.060 $0.060 $0.069 $0.073 $0.071 $0.000 $0.144 $0.137 $0.064
Increase in O/S Shares 4.32% 0.107 0.66% 0.274 1.66% 0.061 0.37% 0.153 0.94% 0.000 0.00% 0.093 0.57% 0.675 4.07% 0.315 1.79%
due to SO $5.490 $1.065 $2.726 $0.700 $1.590 $0.000 $0.948 $9.713 $3.604
Book Value $3.870 $1.128 $2.986 $0.612 $1.547 $0.000 $0.824 $6.926 $3.825
Insider Buying -$0.196 $0.000 $0.000 $0.000 $0.000 -$2.579 -$4.381 -$0.263 -$0.154
Insider Selling $0.000 $0.900 $0.089 $0.149 $0.000 $0.000 $5.969 $0.517 $0.132
Net Insider Selling -$0.196 $0.900 $0.089 $0.149 $0.000 -$2.579 $1.587 $0.254 -$0.023
% of Market Cap -0.12% 0.46% 0.05% 0.09% 0.00% -1.74% 0.67% 0.13% -0.02%
Directors 6 6 6 6 6 7 9 8
Women 17% 1 17% 0 0% 0 0% 0 0% 0 0% 0 0% 1 11% 1 13%
Minorities 0% 0 0% 0 0% 0 0% 0 0% 0 0% 1 14% 1 11% 2 25%
Institutions/Holdings 13.96% 13 13.30% 17 11.39% 19 6.92% 14 7.24% 14 6.79% 14 4.88%
Total Shares Held 13.96% 2.178 13.19% 1.871 11.53% 1.127 6.93% 1.202 7.25% 1.202 6.82% 0.886 5.03%
Increase/Decrease -2.49% -0.020 -0.91% -0.003 -0.15% 0.090 8.64% -0.620 -34.05% -0.263 -17.96% -0.427 -32.52%
Starting No. of Shares 2.198 1.874 1.037 Top 20 MS 1.822 Top 20 MS 1.465 Top 20 MS 1.313 Top 20 MS
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