| 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. |
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| While I try to
be accurate, I assume no responsibility for any figure in this spreadsheet. |
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Estimates |
Estimates |
Estimates |
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| See my website
on stocks or see my blog at the following sites. |
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https://spbrunner.com/stocks.html |
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https://spbrunner.blogspot.com/ |
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| Home Capital Group |
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TSX: |
HCG |
OTC: |
HMCBF |
http://www.homecapital.com |
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Fiscal Yr: |
Dec 31 |
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| 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 |
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Value |
Description |
#Y |
Item |
Total G |
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| Accounting Rules |
C GAAP |
IFRS |
IFRS |
IFRS |
IFRS |
IFRS |
IFRS |
IFRS |
IFRS |
IFRS |
IFRS |
IFRS |
IFRS |
IFRS |
IFRS |
IFRS |
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Accounting Rules |
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| Split Date |
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11-Mar |
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Split Date |
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| Split |
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2 |
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Split |
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| Total Net Interest
Income |
$193.9 |
$334.0 |
$381.5 |
$422.0 |
$459.5 |
$481.1 |
$485.2 |
$302.9 |
$352.4 |
$402.2 |
$474.8 |
$493.8 |
$439.7 |
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15.25% |
<-Total Growth |
10 |
Revenue |
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| Non Interest Income |
$151.7 |
$34.9 |
$55.9 |
$75.1 |
$133.4 |
$103.8 |
$96.8 |
-$11.6 |
$66.5 |
$53.3 |
$61.1 |
$55.6 |
$51.9 |
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-7.19% |
<-Total Growth |
10 |
Non Interest Income |
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| Total Revenue |
$345.6 |
$368.8 |
$437.4 |
$497.0 |
$592.9 |
$584.9 |
$582.0 |
$291.3 |
$418.9 |
$455.5 |
$535.9 |
$549.3 |
$491.5 |
$590 |
$625 |
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|
12.38% |
<-Total Growth |
10 |
Total Revenue |
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| Increase |
19.54% |
6.73% |
18.58% |
13.64% |
19.28% |
-1.35% |
-0.50% |
-49.94% |
43.78% |
8.76% |
17.65% |
2.51% |
-10.52% |
20.03% |
5.93% |
|
|
1.17% |
<-IRR #YR-> |
10 |
Revenue |
15.25% |
|
| 5 year Running Average |
$246.0 |
$285.8 |
$334.4 |
$387.6 |
$448.3 |
$496.2 |
$538.8 |
$509.6 |
$494.0 |
$466.5 |
$456.7 |
$450.2 |
$490.2 |
$524.5 |
$558.4 |
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11.03% |
<-IRR #YR-> |
5 |
Revenue |
45.14% |
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| Revenue per Share |
$4.99 |
$5.33 |
$6.31 |
$7.15 |
$8.46 |
$8.36 |
$9.04 |
$3.63 |
$6.75 |
$7.94 |
$10.34 |
$12.78 |
$12.98 |
$15.57 |
$16.50 |
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-4.01% |
<-IRR #YR-> |
10 |
5 yr Running Average |
46.59% |
|
| Increase |
19.77% |
6.80% |
18.57% |
13.27% |
18.25% |
-1.18% |
8.14% |
-59.84% |
85.91% |
17.70% |
30.14% |
23.62% |
1.53% |
20.03% |
5.93% |
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|
-0.77% |
<-IRR #YR-> |
5 |
5 yr Running Average |
-3.80% |
|
| 5 year Running Average |
$3.56 |
$4.13 |
$4.83 |
$5.59 |
$6.45 |
$7.12 |
$7.86 |
$7.33 |
$7.25 |
$7.14 |
$7.54 |
$8.29 |
$10.16 |
$11.92 |
$13.63 |
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7.47% |
<-IRR #YR-> |
10 |
Revenue per Share |
105.47% |
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| P/S (Price/Sales) Med |
4.56 |
4.71 |
4.01 |
4.74 |
5.52 |
4.46 |
3.47 |
5.19 |
2.31 |
3.12 |
2.36 |
2.95 |
2.58 |
2.71 |
0.01 |
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0.73% |
<-IRR #YR-> |
5 |
Revenue per Share |
257.42% |
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| P/S (Price/Sales) Close |
5.19 |
4.61 |
4.68 |
5.66 |
5.67 |
3.22 |
3.47 |
4.77 |
2.13 |
4.15 |
2.87 |
3.06 |
3.28 |
2.58 |
2.44 |
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-0.27% |
<-IRR #YR-> |
10 |
5 yr Running Average |
110.29% |
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| *Total Net Interest
Income |
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P/S Med |
20 yr |
4.46 |
15 yr |
4.01 |
10 yr |
3.30 |
5 yr |
2.58 |
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-21.61% |
Diff M/C |
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6.75% |
<-IRR #YR-> |
5 |
5 yr Running Average |
38.61% |
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-$437.4 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$491.5 |
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-$291.3 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$491.5 |
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-$334.4 |
-$387.6 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$490.2 |
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-$509.6 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$490.2 |
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-$6.3 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$13.0 |
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-$3.6 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$13.0 |
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-$4.83 |
-$5.59 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$10.16 |
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-$7.33 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$10.16 |
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| Interest Income
non-securitized |
$382.2 |
$425.2 |
$543.9 |
$648.7 |
$743.1 |
$788.1 |
$789.2 |
$729.3 |
$670.4 |
$784.1 |
$792.6 |
$704.1 |
$819.0 |
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50.58% |
<-Total Growth |
10 |
Interest Income |
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| Interest Income
Securitized |
|
|
$74.4 |
$48.1 |
$34.3 |
$18.0 |
$14.1 |
$16.5 |
$13.8 |
$16.6 |
$20.1 |
$25.3 |
$39.3 |
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-47.18% |
<-Total Growth |
10 |
Interest Income Securitized |
|
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| Non Interest Income |
$151.7 |
$34.9 |
$55.9 |
$75.1 |
$133.4 |
$103.8 |
$96.8 |
-$11.6 |
$66.5 |
$53.3 |
$61.1 |
$55.6 |
$51.9 |
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-7.19% |
<-Total Growth |
10 |
Non Interest Income |
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| Revenue* |
$533.9 |
$460.1 |
$674.2 |
$771.9 |
$910.8 |
$909.9 |
$900.1 |
$734.2 |
$750.7 |
$854.0 |
$873.8 |
$784.9 |
$910.2 |
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35.00% |
<-Total Growth |
10 |
Revenue |
|
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| Increase |
9.15% |
-13.83% |
46.54% |
14.49% |
17.99% |
-0.10% |
-1.07% |
-18.43% |
2.24% |
13.77% |
2.32% |
-10.17% |
15.96% |
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|
3.05% |
<-IRR #YR-> |
10 |
Revenue |
35.00% |
|
| 5 year Running Average |
$427.8 |
$461.4 |
$522.4 |
$585.9 |
$670.2 |
$745.4 |
$833.4 |
$845.4 |
$841.1 |
$829.8 |
$822.6 |
$799.5 |
$834.7 |
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4.39% |
<-IRR #YR-> |
5 |
Revenue |
23.97% |
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| Revenue per Share |
$7.71 |
$6.64 |
$9.73 |
$11.11 |
$12.99 |
$13.00 |
$13.98 |
$9.15 |
$12.10 |
$14.89 |
$16.86 |
$18.26 |
$24.03 |
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4.80% |
<-IRR #YR-> |
10 |
5 yr Running Average |
59.78% |
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| Increase |
9.36% |
-13.78% |
46.51% |
14.11% |
16.97% |
0.07% |
7.52% |
-34.55% |
32.19% |
23.13% |
13.19% |
8.33% |
31.57% |
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-0.25% |
<-IRR #YR-> |
5 |
5 yr Running Average |
-1.26% |
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| 5 year Running Average |
$6.19 |
$6.67 |
$7.55 |
$8.45 |
$9.64 |
$10.70 |
$12.16 |
$12.05 |
$12.24 |
$12.62 |
$13.39 |
$14.25 |
$17.23 |
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9.46% |
<-IRR #YR-> |
10 |
Revenue per Share |
146.81% |
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| P/S (Price/Sales) Med |
2.95 |
3.78 |
2.60 |
3.05 |
3.60 |
2.86 |
2.24 |
2.06 |
1.29 |
1.67 |
1.45 |
2.07 |
1.39 |
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21.30% |
<-IRR #YR-> |
5 |
Revenue per Share |
162.60% |
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| P/S (Price/Sales) Close |
3.36 |
3.70 |
3.03 |
3.64 |
3.69 |
2.07 |
2.24 |
1.89 |
1.19 |
2.21 |
1.76 |
2.14 |
1.77 |
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8.60% |
<-IRR #YR-> |
10 |
5 yr Running Average |
128.26% |
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| *Income plus
Non-Interest Income |
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P/S Med |
10 yr |
2.06 |
5 yr |
1.45 |
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7.41% |
<-IRR #YR-> |
5 |
5 yr Running Average |
43.00% |
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-$674.2 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$910.2 |
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-$734.2 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$910.2 |
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-$522.4 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$834.7 |
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-$845.4 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$834.7 |
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-$9.7 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$24.0 |
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-$9.1 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$24.0 |
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-$7.55 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$17.23 |
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-$12.05 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$17.23 |
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| Pre Split '14 |
$5.21 |
$5.48 |
$6.40 |
$7.40 |
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| EPS Basic |
$2.61 |
$2.74 |
$3.20 |
$3.70 |
$4.48 |
$4.09 |
$3.71 |
$0.10 |
$1.66 |
$2.29 |
$3.35 |
$4.84 |
$3.68 |
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15.00% |
<-Total Growth |
10 |
EPS Basic |
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| Pre Split '04 |
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| Pre Split '14 |
$5.20 |
$5.46 |
$6.38 |
$7.32 |
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| EPS Diluted* |
$2.60 |
$2.73 |
$3.19 |
$3.66 |
$4.45 |
$4.09 |
$3.71 |
$0.10 |
$1.66 |
$2.29 |
$3.33 |
$4.78 |
$3.64 |
$5.41 |
$6.00 |
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|
14.11% |
<-Total Growth |
10 |
EPS Diluted |
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| Increase |
25.30% |
5.00% |
16.85% |
14.73% |
21.58% |
-8.09% |
-9.29% |
-97.30% |
1560.00% |
37.95% |
45.41% |
43.54% |
-23.85% |
48.63% |
10.91% |
|
|
10 |
0 |
10 |
Years of Data, EPS P or N |
100.00% |
|
| Earnings Yield |
10.0% |
11.1% |
10.8% |
9.0% |
9.3% |
15.2% |
11.8% |
0.6% |
11.5% |
6.9% |
11.2% |
12.2% |
8.5% |
13.4% |
14.9% |
|
|
1.33% |
<-IRR #YR-> |
10 |
Earnings per Share |
14.11% |
|
| 5 year Running Average |
$1.70 |
$2.05 |
$2.43 |
$2.85 |
$3.33 |
$3.62 |
$3.82 |
$3.20 |
$2.80 |
$2.37 |
$2.22 |
$2.43 |
$3.14 |
$3.89 |
$4.63 |
|
|
105.22% |
<-IRR #YR-> |
5 |
Earnings per Share |
3540.00% |
|
| 10 year Running Average |
$1.10 |
$1.35 |
$1.64 |
$1.96 |
$2.34 |
$2.66 |
$2.94 |
$2.82 |
$2.83 |
$2.85 |
$2.92 |
$3.13 |
$3.17 |
$3.35 |
$3.50 |
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|
2.59% |
<-IRR #YR-> |
10 |
5 yr Running Average |
29.11% |
|
| * Diluted ESP per
share |
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E/P |
10 Yrs |
10.24% |
5Yrs |
11.21% |
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|
-0.39% |
<-IRR #YR-> |
5 |
5 yr Running Average |
-1.94% |
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-$3.19 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$3.64 |
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-$0.10 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$3.64 |
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-$2.43 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$3.14 |
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-$3.20 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$3.14 |
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| Dividends* |
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|
$0.64 |
$0.74 |
|
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|
Estimates |
|
Dividends* |
|
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| Increase |
|
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|
6.67% |
15.63% |
|
|
|
Estimates |
|
Increase |
|
|
| Payout Ratio EPS |
|
|
|
|
|
|
|
|
|
|
|
|
|
11.83% |
12.33% |
|
|
|
Estimates |
|
Payout Ratio EPS |
|
|
| Special Dividends |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
|
$0.00 |
<-Median-> |
10 |
Special Dividends |
|
|
| Pre Split '04 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre Split '14 |
$0.66 |
$0.76 |
$0.90 |
$1.08 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Dividends* |
$0.33 |
$0.38 |
$0.45 |
$0.54 |
$0.70 |
$0.88 |
$0.98 |
$0.26 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.60 |
$0.60 |
$0.60 |
$0.60 |
|
33.33% |
<-Total Growth |
10 |
Dividends |
Introduced in 1999 |
| Increase |
13.79% |
15.15% |
18.42% |
20.00% |
29.63% |
25.71% |
11.36% |
-73.47% |
-100.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
|
16 |
2 |
23 |
Years of data, Count P, N |
69.57% |
|
| Average Increases 5
Year Running |
33.04% |
24.31% |
15.40% |
16.67% |
19.40% |
21.78% |
21.03% |
2.65% |
-21.35% |
-27.28% |
-32.42% |
-34.69% |
-20.00% |
0.00% |
0.00% |
0.00% |
|
-8.68% |
<-Median-> |
10 |
Average Incr 5 Year Running |
|
|
| Dividends 5 Yr Running |
$0.25 |
$0.29 |
$0.34 |
$0.40 |
$0.48 |
$0.59 |
$0.71 |
$0.67 |
$0.56 |
$0.42 |
$0.25 |
$0.05 |
$0.12 |
$0.24 |
$0.36 |
$0.48 |
|
-64.71% |
<-Total Growth |
10 |
Dividends 5 Yr Running |
|
|
| Yield H/L Price |
1.45% |
1.51% |
1.78% |
1.59% |
1.50% |
2.36% |
3.12% |
1.38% |
0.00% |
0.00% |
0.00% |
0.00% |
1.79% |
|
|
|
|
1.44% |
<-Median-> |
10 |
Dividends |
|
|
| Yield on High Price |
1.27% |
1.28% |
1.52% |
1.26% |
1.26% |
1.81% |
2.47% |
0.82% |
0.00% |
0.00% |
0.00% |
0.00% |
1.40% |
|
|
|
|
1.04% |
<-Median-> |
10 |
Dividends |
|
|
| Yield on Low Price |
1.69% |
1.85% |
2.14% |
2.17% |
1.86% |
3.41% |
4.23% |
4.44% |
0.00% |
0.00% |
0.00% |
0.00% |
2.50% |
|
|
|
|
2.01% |
<-Median-> |
10 |
Dividends |
|
|
| Yield on Close Price |
1.27% |
1.55% |
1.52% |
1.33% |
1.46% |
3.27% |
3.13% |
1.50% |
0.00% |
0.00% |
0.00% |
0.46% |
1.71% |
1.49% |
1.49% |
1.37% |
|
1.40% |
<-Median-> |
10 |
Dividends |
|
|
| Payout Ratio EPS |
12.69% |
13.92% |
14.11% |
14.75% |
15.73% |
21.52% |
26.42% |
260.00% |
0.00% |
0.00% |
0.00% |
0.38% |
1.34% |
11.09% |
10.00% |
#DIV/0! |
|
8.05% |
<-Median-> |
10 |
DPR EPS |
|
|
| DPR EPS 5 Yr Running |
14.39% |
14.32% |
13.98% |
13.96% |
14.43% |
16.28% |
18.59% |
20.99% |
20.13% |
17.89% |
11.18% |
0.57% |
2.39% |
6.17% |
7.77% |
#DIV/0! |
|
15.36% |
<-Median-> |
10 |
DPR EPS 5 Yr Running |
|
|
| Payout Ratio CFPS |
13.88% |
71.48% |
9.17% |
7.29% |
-35.20% |
8.74% |
11.25% |
-11.55% |
0.00% |
0.00% |
0.00% |
0.00% |
12.40% |
12.40% |
#VALUE! |
#DIV/0! |
|
0.00% |
<-Median-> |
10 |
DPR CF |
|
|
| DPR CF 5 Yr Running |
14.79% |
18.84% |
15.36% |
11.84% |
18.13% |
14.09% |
12.20% |
15.31% |
10.89% |
7.58% |
5.81% |
1.22% |
2.11% |
5.49% |
#VALUE! |
#DIV/0! |
|
11.37% |
<-Median-> |
10 |
DPR CF 5 Yr Running |
|
|
| Payout Ratio CFPS WC |
14.11% |
172.94% |
4.20% |
16.53% |
20.09% |
20.59% |
22.98% |
45.39% |
0.00% |
0.00% |
0.00% |
0.00% |
12.75% |
12.40% |
#VALUE! |
#DIV/0! |
|
14.64% |
<-Median-> |
10 |
DPR CF WC |
|
|
| DPR CF WC 5 Yr Running |
15.63% |
20.58% |
10.31% |
10.82% |
11.99% |
13.44% |
13.65% |
21.18% |
8.97% |
6.92% |
4.10% |
0.80% |
1.63% |
5.28% |
#VALUE! |
#DIV/0! |
|
9.90% |
<-Median-> |
10 |
DPR CF WC 5 Yr Running |
|
|
| Median Values |
10 Yr Med |
10 Yr Cl |
1.44% |
1.40% |
5 Yr Med |
5 Yr Cl |
0.00% |
0.00% |
5 Yr Med |
Payout |
0.00% |
0.00% |
0.00% |
|
|
|
|
18.20% |
<-IRR #YR-> |
5 |
Dividends |
130.77% |
|
| * Dividends per
share |
10 Yr Med |
and Cur. |
3.61% |
6.74% |
5 Yr Med |
and Cur. |
#DIV/0! |
#DIV/0! |
Last Div Inc ---> |
$0.00 |
$0.60 |
#DIV/0! |
|
|
|
|
2.92% |
<-IRR #YR-> |
10 |
Dividends |
33.33% |
|
| Dividends Growth 15 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
6.92% |
<-IRR #YR-> |
15 |
Dividends |
172.73% |
|
| Dividends Growth 20 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
16.16% |
<-IRR #YR-> |
20 |
Dividends |
1900.00% |
|
| Dividends Growth 25 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
18.87% |
<-IRR #YR-> |
23 |
Dividends |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Dividends Growth 5 |
|
|
|
|
|
|
|
-$0.26 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.60 |
|
|
|
|
|
|
|
Dividends Growth 5 |
|
|
| Dividends Growth 10 |
|
|
-$0.45 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.60 |
|
|
|
|
|
|
|
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 |
$0.60 |
|
|
|
|
|
|
|
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 |
$0.60 |
|
|
|
|
|
|
|
Dividends Growth 20 |
|
|
| Dividends Growth 25 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.60 |
|
|
|
|
|
|
|
Dividends Growth 25 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Historical Dividends |
Historical |
High Div |
3.96% |
Low Div |
0.00% |
10 Yr High |
4.42% |
10 Yr Low |
0.00% |
Med Div |
1.33% |
Close Div |
1.19% |
|
|
|
|
|
|
|
Historical Dividends |
|
|
| High/Ave/Median Values |
Curr diff |
Exp. |
-62.36% |
#DIV/0! |
#DIV/0! |
Exp. |
-66.27% |
|
#DIV/0! |
Cheap |
12.08% |
Cheap |
25.69% |
|
|
|
|
|
|
|
High/Ave/Median |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Future Dividend Yield |
|
|
|
|
Div Yd |
3.44% |
earning in |
5 |
Years |
at IRR of |
18.20% |
Div Inc. |
130.77% |
|
|
|
|
|
|
|
Future Dividend Yield |
|
|
| Future Dividend Yield |
|
|
|
|
Div Yd |
7.94% |
earning in |
10.00 |
Years |
at IRR of |
18.20% |
Div Inc. |
432.54% |
|
|
|
|
|
|
|
Future Dividend Yield |
|
|
| Future Dividend Yield |
|
|
|
|
Div Yd |
18.32% |
earning in |
15.00 |
Years |
at IRR of |
18.20% |
Div Inc. |
1128.95% |
|
|
|
|
|
|
|
Future Dividend Yield |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Future Dividend Paid |
|
|
|
|
Div Paid |
$1.38 |
earning in |
5 |
Years |
at IRR of |
18.20% |
Div Inc. |
130.77% |
|
|
|
|
|
|
|
Future Dividend Paid |
|
|
| Future Dividend Paid |
|
|
|
|
Div Paid |
$3.20 |
earning in |
10 |
Years |
at IRR of |
18.20% |
Div Inc. |
432.54% |
|
|
|
|
|
|
|
Future Dividend Paid |
|
|
| Future Dividend Paid |
|
|
|
|
Div Paid |
$7.37 |
earning in |
15 |
Years |
at IRR of |
18.20% |
Div Inc. |
1128.95% |
|
|
|
|
|
|
|
Future Dividend Paid |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Dividend Covering Cost |
|
|
|
|
Total Div |
$4.31 |
over |
5 |
Years |
at IRR of |
18.20% |
Div Cov. |
10.71% |
|
|
|
|
|
|
|
Dividend Covering Cost |
|
|
| Dividend Covering Cost |
|
|
|
|
Total Div |
$12.87 |
over |
10 |
Years |
at IRR of |
18.20% |
Div Cov. |
31.98% |
|
|
|
|
|
|
|
Dividend Covering Cost |
|
|
| Dividend Covering Cost |
|
|
|
|
Total Div |
$32.63 |
over |
15 |
Years |
at IRR of |
18.20% |
Div Cov. |
81.06% |
|
|
|
|
|
|
|
Dividend Covering Cost |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Yield if held 5 yrs |
1.85% |
2.21% |
2.41% |
3.83% |
4.78% |
3.87% |
3.90% |
1.03% |
0.00% |
0.00% |
0.00% |
0.00% |
3.18% |
3.85% |
2.42% |
2.46% |
|
2.10% |
<-Median-> |
10 |
Paid Median Price |
|
|
| Yield if held 10 yrs |
28.39% |
19.36% |
13.90% |
9.10% |
5.56% |
4.94% |
5.70% |
1.39% |
0.00% |
0.00% |
0.00% |
0.00% |
2.37% |
1.77% |
1.28% |
1.61% |
|
1.88% |
<-Median-> |
10 |
Paid Median Price |
|
|
| Yield if held 15 yrs |
|
|
|
68.57% |
71.34% |
75.70% |
49.94% |
8.03% |
0.00% |
0.00% |
0.00% |
0.00% |
3.22% |
4.26% |
4.09% |
2.64% |
|
5.62% |
<-Median-> |
10 |
Paid Median Price |
|
|
| Yield if held 20 yrs |
|
|
|
|
|
|
|
|
0.00% |
0.00% |
0.00% |
0.00% |
18.53% |
10.11% |
4.77% |
3.37% |
|
0.00% |
<-Median-> |
5 |
Paid Median Price |
|
|
| Yield if held 25yrs |
|
|
|
|
|
|
|
|
|
|
|
|
235.29% |
76.19% |
61.15% |
51.61% |
|
235.29% |
<-Median-> |
1 |
Paid Median Price |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Cost covered if held 5
years |
6.88% |
8.55% |
9.12% |
14.11% |
16.38% |
12.99% |
14.14% |
13.26% |
8.32% |
4.54% |
3.33% |
0.83% |
3.18% |
7.71% |
7.26% |
9.83% |
|
10.65% |
<-Median-> |
10 |
Paid Median Price |
|
|
| Cost covered if held 10
years |
125.16% |
92.23% |
68.88% |
46.17% |
26.85% |
23.44% |
29.21% |
27.13% |
34.11% |
30.84% |
18.44% |
15.18% |
15.63% |
11.87% |
8.39% |
9.77% |
|
26.99% |
<-Median-> |
10 |
Paid Median Price |
|
|
| Cost covered if held 15
years |
|
|
|
362.70% |
361.27% |
378.92% |
273.12% |
172.66% |
93.68% |
43.69% |
30.40% |
30.72% |
30.35% |
42.62% |
43.13% |
29.01% |
|
133.17% |
<-Median-> |
10 |
Paid Median Price |
|
|
| Cost covered if held 20
years |
|
|
|
|
|
|
|
|
720.79% |
577.32% |
485.59% |
286.37% |
191.20% |
113.90% |
57.99% |
43.87% |
|
485.59% |
<-Median-> |
5 |
Paid Median Price |
|
|
| Cost covered if held 25
years |
|
|
|
|
|
|
|
|
|
|
|
|
2461.27% |
873.17% |
760.76% |
692.04% |
|
2461.27% |
<-Median-> |
1 |
Paid Median Price |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Yr |
Item |
Tot. Growth |
|
| Revenue Growth |
|
|
|
|
|
|
|
$291.3 |
$418.9 |
$455.5 |
$535.9 |
$549.3 |
$491.5 |
$2,742.5 |
|
|
|
68.73% |
<-Total Growth |
5 |
Revenue Growth |
68.73% |
|
| EPS Growth |
|
|
|
|
|
|
|
$0.10 |
$1.66 |
$2.29 |
$3.33 |
$4.78 |
$3.64 |
$15.80 |
|
|
|
3540.00% |
<-Total Growth |
5 |
EPS Growth |
3540.00% |
|
| Net Income Growth |
|
|
|
|
|
|
|
$7.5 |
$132.6 |
$136.0 |
$175.7 |
$244.7 |
$150.2 |
$846.8 |
|
|
|
1895.85% |
<-Total Growth |
5 |
Net Income Growth |
1895.85% |
|
| Cash Flow Growth |
|
|
|
|
|
|
|
-$180.6 |
$704.6 |
$6.0 |
$176.9 |
$373.4 |
$183.2 |
$1,263.5 |
|
|
|
201.46% |
<-Total Growth |
5 |
Cash Flow Growth |
201.46% |
|
| Dividend Growth |
|
|
|
|
|
|
|
$0.26 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.60 |
$0.86 |
|
|
|
130.77% |
<-Total Growth |
5 |
Dividend Growth |
130.77% |
|
| Stock Price Growth |
|
|
|
|
|
|
|
$17.31 |
$14.40 |
$32.96 |
$29.70 |
$39.07 |
$42.58 |
|
|
|
|
145.98% |
<-Total Growth |
5 |
Stock Price Growth |
145.98% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Revenue Growth |
|
|
$437.4 |
$497.0 |
$592.9 |
$584.9 |
$582.0 |
$291.3 |
$418.9 |
$455.5 |
$535.9 |
$549.3 |
$491.5 |
$5,436.6 |
|
|
|
12.38% |
<-Total Growth |
10 |
Revenue Growth |
12.38% |
|
| EPS Growth |
|
|
$3.19 |
$3.66 |
$4.45 |
$4.09 |
$3.71 |
$0.10 |
$1.66 |
$2.29 |
$3.33 |
$4.78 |
$3.64 |
$34.90 |
|
|
|
14.11% |
<-Total Growth |
10 |
EPS Growth |
14.11% |
|
| Net Income Growth |
|
|
$222.0 |
$256.5 |
$313.2 |
$287.3 |
$247.4 |
$7.5 |
$132.6 |
$136.0 |
$175.7 |
$244.7 |
$150.2 |
$2,173.1 |
|
|
|
-47.76% |
<-Total Growth |
10 |
Net Income Growth |
-47.76% |
|
| Cash Flow Growth |
|
|
$340.1 |
$514.8 |
-$139.4 |
$704.6 |
$560.8 |
-$180.6 |
$704.6 |
$6.0 |
$176.9 |
$373.4 |
$183.2 |
$3,244.3 |
|
|
|
-85.58% |
<-Total Growth |
10 |
Cash Flow Growth |
-85.58% |
|
| Dividend Growth |
|
|
$0.45 |
$0.54 |
$0.70 |
$0.88 |
$0.98 |
$0.26 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.60 |
|
|
|
|
33.33% |
<-Total Growth |
10 |
Dividend Growth |
33.33% |
|
| Stock Price Growth |
|
|
$29.54 |
$40.47 |
$47.99 |
$26.92 |
$31.34 |
$17.31 |
$14.40 |
$32.96 |
$29.70 |
$39.07 |
$42.58 |
|
|
|
|
44.17% |
<-Total Growth |
10 |
Stock Price Growth |
44.17% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Dividends on Shares |
|
|
|
$18.36 |
$23.80 |
$29.92 |
$33.32 |
$8.84 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$20.40 |
$20.40 |
$20.40 |
$20.40 |
|
$134.64 |
No of Years |
10 |
Total Dividends |
12/31/12 |
|
| Share Value |
|
|
$1,004.19 |
$1,375.81 |
$1,631.66 |
$915.28 |
$1,065.56 |
$588.54 |
$489.60 |
$1,120.64 |
$1,009.80 |
$1,328.38 |
$1,447.72 |
$1,368.50 |
$1,368.50 |
$1,490.22 |
|
$1,447.72 |
No of Years |
10 |
Share Value |
$29.54 |
|
| Total |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$1,582.36 |
|
|
Total |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Graham No. |
$25.03 |
$26.22 |
$31.68 |
$37.36 |
$45.49 |
$46.17 |
$45.79 |
$7.13 |
$31.42 |
$38.87 |
$49.28 |
$62.70 |
$57.98 |
$70.69 |
$74.44 |
$0.00 |
|
83.05% |
<-Total Growth |
10 |
Graham Price |
|
|
| Price/GP Ratio Med |
0.91 |
0.96 |
0.80 |
0.91 |
1.03 |
0.81 |
0.69 |
2.64 |
0.50 |
0.64 |
0.50 |
0.60 |
0.58 |
0.60 |
|
|
|
0.66 |
<-Median-> |
10 |
Price/GP Ratio |
|
|
| Price/GP Ratio High |
1.04 |
1.13 |
0.94 |
1.15 |
1.23 |
1.05 |
0.86 |
4.47 |
0.59 |
0.91 |
0.70 |
0.72 |
0.74 |
0.60 |
|
|
|
0.89 |
<-Median-> |
10 |
Price/GP Ratio |
|
|
| Price/GP Ratio Low |
0.78 |
0.78 |
0.66 |
0.67 |
0.83 |
0.56 |
0.51 |
0.82 |
0.40 |
0.37 |
0.29 |
0.48 |
0.41 |
0.59 |
|
|
|
0.49 |
<-Median-> |
10 |
Price/GP Ratio |
|
|
| Price/GP Ratio Close |
1.03 |
0.94 |
0.93 |
1.08 |
1.05 |
0.58 |
0.68 |
2.43 |
0.46 |
0.85 |
0.60 |
0.62 |
0.73 |
0.57 |
0.54 |
#DIV/0! |
|
0.71 |
<-Median-> |
10 |
Price/GP Ratio |
|
|
| Prem/Disc Close |
3.44% |
-6.35% |
-6.76% |
8.31% |
5.50% |
-41.70% |
-31.55% |
142.75% |
-54.17% |
-15.21% |
-39.74% |
-37.69% |
-26.56% |
-43.06% |
-45.93% |
#DIV/0! |
|
-29.06% |
<-Median-> |
10 |
Graham Price |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre Split '14 |
$51.79 |
$49.10 |
$59.07 |
$80.93 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price Close |
$25.90 |
$24.55 |
$29.54 |
$40.47 |
$47.99 |
$26.92 |
$31.34 |
$17.31 |
$14.40 |
$32.96 |
$29.70 |
$39.07 |
$42.58 |
$40.25 |
$40.25 |
$43.83 |
|
44.17% |
<-Total Growth |
10 |
Stock Price |
|
|
| Increase |
23.75% |
-5.19% |
20.31% |
37.01% |
18.60% |
-43.90% |
16.42% |
-44.77% |
-16.81% |
128.89% |
-9.89% |
31.55% |
8.98% |
-5.47% |
0.00% |
8.89% |
|
10.02 |
<-Median-> |
10 |
CAPE (10 Yr P/E) |
|
|
| P/E |
9.96 |
8.99 |
9.26 |
11.06 |
10.78 |
6.58 |
8.45 |
173.10 |
8.67 |
14.39 |
8.92 |
8.17 |
11.70 |
7.44 |
6.71 |
#DIV/0! |
|
19.72% |
<-IRR #YR-> |
5 |
Stock Price |
145.98% |
|
| Trailing P/E |
12.48 |
9.44 |
10.82 |
12.68 |
13.11 |
6.05 |
7.66 |
4.67 |
144.00 |
19.86 |
12.97 |
11.73 |
8.91 |
11.06 |
7.44 |
7.31 |
|
3.73% |
<-IRR #YR-> |
10 |
Stock Price |
44.17% |
|
| CAPE (10 Yr P/E) |
13.00 |
12.20 |
11.63 |
11.35 |
10.87 |
9.93 |
9.48 |
9.76 |
9.88 |
10.23 |
10.11 |
9.91 |
10.18 |
9.64 |
8.99 |
#DIV/0! |
|
20.06% |
<-IRR #YR-> |
5 |
Price & Dividend |
150.95% |
|
| Median 10, 5 Yrs |
|
D. per yr |
1.23% |
0.34% |
% Tot Ret |
24.87% |
1.67% |
T P/E |
12.21 |
12.97 |
P/E: |
9.85 |
8.92 |
|
|
|
|
4.96% |
<-IRR #YR-> |
10 |
Price & Dividend |
59.10% |
|
| Price 15 |
|
D. per yr |
1.38% |
|
% Tot Ret |
22.18% |
|
|
|
|
|
CAPE Diff |
-25.72% |
|
|
|
|
4.84% |
<-IRR #YR-> |
15 |
Stock Price |
103.25% |
|
| Price 20 |
|
D. per yr |
2.70% |
|
% Tot Ret |
17.10% |
|
|
|
|
|
|
|
|
|
|
|
13.11% |
<-IRR #YR-> |
20 |
Stock Price |
1074.62% |
|
| Price 25 |
|
D. per yr |
3.66% |
|
% Tot Ret |
17.12% |
|
|
|
|
|
|
|
|
|
|
|
17.69% |
<-IRR #YR-> |
25 |
Stock Price |
5773.10% |
|
| Price 30 |
|
D. per yr |
11.25% |
|
% Tot Ret |
28.37% |
|
|
|
|
|
|
|
|
|
|
|
28.39% |
<-IRR #YR-> |
27 |
Stock Price |
|
|
| Price & Dividend 15 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
6.22% |
<-IRR #YR-> |
15 |
Price & Dividend |
131.31% |
|
| Price & Dividend 20 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
15.81% |
<-IRR #YR-> |
20 |
Price & Dividend |
1246.21% |
|
| Price & Dividend 25 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
21.35% |
<-IRR #YR-> |
25 |
Price & Dividend |
6638.79% |
|
| Price & Dividend 30 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
39.64% |
<-IRR #YR-> |
27 |
Price & Dividend |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price 5 |
|
|
|
|
|
|
|
-$17.31 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$42.58 |
|
|
|
|
|
|
|
Price 5 |
|
|
| Price 10 |
|
|
-$29.54 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$42.58 |
|
|
|
|
|
|
|
Price 10 |
|
|
| Price & Dividend 5 |
|
|
|
|
|
|
|
-$17.31 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$43.18 |
|
|
|
|
|
|
|
Price & Dividend 5 |
|
|
| Price & Dividend 10 |
|
|
-$29.54 |
$0.54 |
$0.70 |
$0.88 |
$0.98 |
$0.26 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$43.18 |
|
|
|
|
|
|
|
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 |
$42.58 |
|
|
|
|
|
|
|
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 |
$42.58 |
|
|
|
|
|
|
|
Price 20 |
|
|
| Price 25 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$42.58 |
|
|
|
|
|
|
|
Price 25 |
|
|
| Price 30 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$42.58 |
|
|
|
|
|
|
|
Price 30 |
|
|
| Price & Dividend 15 |
$0.33 |
$0.38 |
$0.45 |
$0.54 |
$0.70 |
$0.88 |
$0.98 |
$0.26 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$43.18 |
|
|
|
|
|
|
|
Price & Dividend 15 |
|
|
| Price & Dividend 20 |
$0.33 |
$0.38 |
$0.45 |
$0.54 |
$0.70 |
$0.88 |
$0.98 |
$0.26 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$43.18 |
|
|
|
|
|
|
|
Price & Dividend 20 |
|
|
| Price & Dividend 25 |
$0.33 |
$0.38 |
$0.45 |
$0.54 |
$0.70 |
$0.88 |
$0.98 |
$0.26 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$43.18 |
|
|
|
|
|
|
|
Price & Dividend 25 |
|
|
| Price & Dividend 30 |
$0.33 |
$0.38 |
$0.45 |
$0.54 |
$0.70 |
$0.88 |
$0.98 |
$0.26 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$43.18 |
|
|
|
|
|
|
|
Price & Dividend 30 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price H/L Median |
$22.72 |
$25.10 |
$25.33 |
$33.88 |
$46.72 |
$37.24 |
$31.38 |
$18.85 |
$15.57 |
$24.80 |
$24.42 |
$37.75 |
$33.46 |
$42.17 |
8.89% |
|
|
32.06% |
<-Total Growth |
10 |
Stock Price |
|
|
| Increase |
55.02% |
10.48% |
0.94% |
33.73% |
37.91% |
-20.29% |
-15.74% |
-39.93% |
-17.40% |
59.28% |
-1.55% |
54.60% |
-11.37% |
26.03% |
1.49% |
|
|
2.82% |
<-IRR #YR-> |
10 |
Stock Price |
32.06% |
|
| P/E |
8.74 |
9.19 |
7.94 |
9.26 |
10.50 |
9.11 |
8.46 |
188.50 |
9.38 |
10.83 |
7.33 |
7.90 |
9.19 |
7.79 |
10.39% |
|
|
12.16% |
<-IRR #YR-> |
5 |
Stock Price |
77.48% |
|
| Trailing P/E |
10.95 |
9.65 |
9.28 |
10.62 |
12.77 |
8.37 |
7.67 |
5.08 |
155.70 |
14.94 |
10.66 |
11.33 |
7.00 |
11.58 |
|
|
|
4.30% |
<-IRR #YR-> |
10 |
Price & Dividend |
49.47% |
|
| P/E on Running 5 yr
Average |
13.35 |
12.22 |
10.42 |
11.88 |
14.05 |
10.28 |
8.21 |
5.89 |
5.56 |
10.46 |
11.01 |
15.52 |
10.65 |
10.84 |
|
|
|
12.56% |
<-IRR #YR-> |
5 |
Price & Dividend |
82.04% |
|
| P/E on Running 10 yr
Average |
20.74 |
18.65 |
15.49 |
17.30 |
19.97 |
13.98 |
10.69 |
6.69 |
5.51 |
8.71 |
8.36 |
12.07 |
10.55 |
12.60 |
|
|
|
9.11 |
P/E Ratio |
|
Historical Median |
|
|
| Median 10, 5 Yrs |
|
D. per yr |
1.48% |
0.40% |
% Tot Ret |
34.39% |
3.18% |
T P/E |
10.64 |
11.33 |
P/E: |
9.22 |
9.19 |
|
|
|
|
|
Count |
26 |
Years of data |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$25.33 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$33.46 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$18.85 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$33.46 |
|
|
|
|
|
|
|
|
|
|
|
|
|
-$25.33 |
$0.54 |
$0.70 |
$0.88 |
$0.98 |
$0.26 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$34.06 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$18.85 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$34.06 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| High Months |
Dec |
Mar |
Dec |
Nov |
Aug |
Apr |
Apr |
Jan |
Jan |
Nov |
Jan |
Nov |
Dec |
Jan |
|
|
|
|
|
|
|
|
|
| Pre Split '14 |
$51.87 |
$59.41 |
$59.27 |
$85.78 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price High |
$25.94 |
$29.71 |
$29.64 |
$42.89 |
$55.75 |
$48.65 |
$39.60 |
$31.85 |
$18.51 |
$35.20 |
$34.66 |
$45.31 |
$42.93 |
$42.68 |
|
|
|
44.86% |
<-Total Growth |
10 |
Stock Price |
|
|
| Increase |
20.85% |
14.54% |
-0.24% |
44.73% |
29.98% |
-12.74% |
-18.60% |
-19.57% |
-41.88% |
90.17% |
-1.53% |
30.73% |
-5.25% |
-0.58% |
|
|
|
3.78% |
<-IRR #YR-> |
10 |
Stock Price |
44.86% |
|
| P/E |
9.98 |
10.88 |
9.29 |
11.72 |
12.53 |
11.89 |
10.67 |
318.50 |
11.15 |
15.37 |
10.41 |
9.48 |
11.79 |
7.89 |
|
|
|
6.15% |
<-IRR #YR-> |
5 |
Stock Price |
34.79% |
|
| Trailing P/E |
12.50 |
11.43 |
10.86 |
13.45 |
15.23 |
10.93 |
9.68 |
8.58 |
185.10 |
21.20 |
15.14 |
13.61 |
8.98 |
11.73 |
|
|
|
11.89 |
P/E Ratio |
|
Historical Median |
|
|
| Median 10, 5 Yrs |
|
|
|
|
|
|
|
T P/E |
13.53 |
15.14 |
P/E: |
11.76 |
11.15 |
|
|
|
|
17.46 |
P/E Ratio |
|
Historical High |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$29.64 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$42.93 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$31.85 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$42.93 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Low Mths |
Jan |
Oct |
Jun |
May |
Feb |
Aug |
Jan |
May |
Oct |
Jan |
Mar |
Feb |
Jul |
Mar |
|
|
|
|
|
|
|
|
|
| Pre Split '14 |
$39.00 |
$40.98 |
$42.06 |
$49.73 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price Low |
$19.50 |
$20.49 |
$21.03 |
$24.87 |
$37.69 |
$25.83 |
$23.16 |
$5.85 |
$12.63 |
$14.40 |
$14.17 |
$30.18 |
$23.98 |
$41.65 |
|
|
|
14.03% |
<-Total Growth |
10 |
Stock Price |
|
|
| Increase |
148.41% |
5.08% |
2.64% |
18.24% |
51.58% |
-31.47% |
-10.34% |
-74.74% |
115.90% |
14.01% |
-1.60% |
112.99% |
-20.54% |
73.69% |
|
|
|
1.32% |
<-IRR #YR-> |
10 |
Stock Price |
14.03% |
|
| P/E |
7.50 |
7.51 |
6.59 |
6.79 |
8.47 |
6.32 |
6.24 |
58.50 |
7.61 |
6.29 |
4.26 |
6.31 |
6.59 |
7.70 |
|
|
|
32.60% |
<-IRR #YR-> |
5 |
Stock Price |
309.91% |
|
| Trailing P/E |
9.40 |
7.88 |
7.70 |
7.79 |
10.30 |
5.80 |
5.66 |
1.58 |
126.30 |
8.67 |
6.19 |
9.06 |
5.02 |
11.44 |
|
|
|
7.50 |
P/E Ratio |
|
Historical Median |
|
|
| Median 10, 5 Yrs |
|
|
|
|
|
|
|
T P/E |
6.99 |
8.67 |
P/E: |
6.45 |
6.31 |
|
|
|
|
4.94 |
P/E Ratio |
|
Historical Low |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$21.03 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$23.98 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$5.85 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$23.98 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Free Cash Flow WSJ |
|
|
|
|
|
-$1,260.20 |
$84.38 |
$585.80 |
-$174.48 |
$668.70 |
-$16.19 |
$867.11 |
$1,019.33 |
|
|
|
|
180.89% |
<-Total Growth |
7 |
Free Cash Flow |
WSJ |
|
| Change |
|
|
|
|
|
|
106.70% |
594.22% |
-129.78% |
483.25% |
-102.42% |
5455.85% |
17.55% |
|
|
|
|
$1.07 |
<-Median-> |
7 |
Change |
|
|
| FCF/CF from Op Ratio |
|
|
|
|
|
-1.79 |
0.15 |
-3.24 |
-0.25 |
111.01 |
-0.09 |
2.32 |
5.56 |
|
|
|
|
0.03 |
<-Median-> |
8 |
FCF/CF from Op Ratio |
|
|
| Free Cash Flow MS |
-$225 |
$17 |
-$181.38 |
$489.78 |
-$174.94 |
$674.04 |
$539.20 |
-$191.60 |
$310.89 |
-$9.63 |
$146.17 |
$355.21 |
$167.97 |
|
|
|
|
192.61% |
<-Total Growth |
10 |
Free Cash Flow |
MS |
|
| Change |
|
|
|
|
|
|
-20.00% |
-135.53% |
262.26% |
-103.10% |
1617.86% |
143.01% |
-52.71% |
|
|
|
|
#NUM! |
<-IRR #YR-> |
5 |
Free Cash Flow MS |
187.67% |
|
| FCF/CF from Op Ratio |
-1.37 |
0.46 |
-0.53 |
0.95 |
1.25 |
0.96 |
0.96 |
1.06 |
0.44 |
-1.60 |
0.83 |
0.95 |
0.92 |
|
|
|
|
#NUM! |
<-IRR #YR-> |
10 |
Free Cash Flow MS |
192.61% |
|
| Dividends paid |
$22.87 |
$26.37 |
$31.24 |
$37.46 |
$48.92 |
$61.76 |
$65.17 |
$16.71 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$24.32 |
|
|
|
|
-22.17% |
<-Total Growth |
10 |
Dividends paid |
|
|
| Percentage paid |
|
|
|
|
|
9.16% |
12.09% |
-8.72% |
0.00% |
0.00% |
0.00% |
0.00% |
14.48% |
|
|
|
|
$0.00 |
<-Median-> |
8 |
Percentage paid |
|
|
| 5 Year Coverage |
|
|
|
|
|
|
|
|
|
10.86% |
10.30% |
2.73% |
2.51% |
|
|
|
|
|
|
|
5 Year Coverage |
|
|
| Dividend
Coverage Ratio |
|
|
|
|
|
10.91 |
8.27 |
-11.47 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
0.00 |
<-Median-> |
8 |
Dividend Coverage Ratio |
|
|
| 5 Year of Coverage |
|
|
|
|
|
|
|
|
|
9.21 |
9.71 |
36.57 |
39.92 |
|
|
|
|
|
|
|
5 Year of Coverage |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$192 |
$0 |
$0 |
$0 |
$0 |
$168 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$181 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$168 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Market Cap |
$1,794 |
$1,700 |
$2,046 |
$2,812 |
$3,364 |
$1,884 |
$2,018 |
$1,389 |
$894 |
$1,890 |
$1,540 |
$1,679 |
$1,613 |
$1,525 |
$1,525 |
$1,660 |
|
-21.14% |
<-Total Growth |
10 |
Market Cap |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre Split '04 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre Split '14 |
34.776 |
34.820 |
35.023 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Diluted # of Shares in
Million |
69.552 |
69.640 |
70.046 |
70.046 |
69.857 |
69.857 |
66.668 |
72.358 |
79.748 |
59.257 |
52.704 |
51.211 |
41.273 |
41.273 |
|
|
|
-41.08% |
<-Total Growth |
10 |
Diluted |
|
|
| Change |
-0.05% |
0.13% |
0.58% |
0.00% |
-0.27% |
0.00% |
-4.57% |
8.53% |
10.21% |
-25.69% |
-11.06% |
-2.83% |
-19.41% |
0.00% |
|
|
|
-1.55% |
<-Median-> |
10 |
Change |
|
|
| Difference
Diluted/Basic |
-0.2% |
-0.4% |
-1.0% |
-1.0% |
0.8% |
0.8% |
-0.1% |
0.0% |
0.0% |
0.0% |
-0.6% |
-1.2% |
-1.2% |
-1.2% |
|
|
|
-0.06% |
<-Median-> |
10 |
Difference Diluted/Basic |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre Split '14 |
34.697 |
34.680 |
34.670 |
34.670 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Average # of Shares in
Million |
69.394 |
69.360 |
69.340 |
69.340 |
70.432 |
70.432 |
66.601 |
72.349 |
79.748 |
59.257 |
52.371 |
50.611 |
40.775 |
40.775 |
|
|
|
-41.20% |
<-Total Growth |
10 |
Basic |
|
|
| Change |
0.72% |
-0.05% |
-0.03% |
0.00% |
1.57% |
0.00% |
-5.44% |
8.63% |
10.23% |
-25.69% |
-11.62% |
-3.36% |
-19.43% |
0.00% |
|
|
|
-1.68% |
<-Median-> |
10 |
Change |
|
|
| Difference
Basic/Outstanding |
-0.1% |
-0.2% |
-0.1% |
0.2% |
-0.5% |
-0.6% |
-3.3% |
10.9% |
-22.2% |
-3.2% |
-1.0% |
-15.1% |
-7.1% |
-7.1% |
|
|
|
-2.12% |
<-Median-> |
10 |
Difference Basic/Outstanding |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre Split '04 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre Split '14 |
34.646 |
34.625 |
34.630 |
34.744 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| # of Share in Millions |
69.292 |
69.250 |
69.260 |
69.488 |
70.096 |
69.978 |
64.388 |
80.246 |
62.063 |
57.346 |
51.841 |
42.986 |
37.883 |
37.883 |
37.883 |
37.883 |
|
-5.86% |
<-IRR #YR-> |
10 |
Shares |
-45.30% |
|
| Change |
-0.19% |
-0.06% |
0.01% |
0.33% |
0.87% |
-0.17% |
-7.99% |
24.63% |
-22.66% |
-7.60% |
-9.60% |
-17.08% |
-11.87% |
0.00% |
0.00% |
0.00% |
|
-13.94% |
<-IRR #YR-> |
5 |
Shares |
-52.79% |
|
| CF fr Op $Millon |
$164.8 |
$36.8 |
$340.1 |
$514.8 |
-$139.4 |
$704.6 |
$560.8 |
-$180.6 |
$704.6 |
$6.0 |
$176.9 |
$373.4 |
$183.2 |
$183.2 |
<-12 mths |
|
|
-46.12% |
<-Total Growth |
10 |
Cash Flow |
|
|
| Increase |
50.40% |
-77.66% |
823.66% |
51.38% |
-127.08% |
605.45% |
-20.40% |
-132.20% |
490.14% |
-99.15% |
2836.24% |
111.08% |
-50.92% |
0.00% |
<-12 mths |
|
|
|
SO, Buy Backs |
|
|
|
|
| 5 year Running Average |
$114.4 |
$108.0 |
$153.2 |
$233.2 |
$183.4 |
$291.4 |
$396.2 |
$292.0 |
$330.0 |
$359.1 |
$253.5 |
$216.0 |
$288.8 |
$184.5 |
<-12 mths |
|
|
88.50% |
<-Total Growth |
10 |
CF 5 Yr Running |
|
|
| CFPS |
$2.38 |
$0.53 |
$4.91 |
$7.41 |
-$1.99 |
$10.07 |
$8.71 |
-$2.25 |
$11.35 |
$0.11 |
$3.41 |
$8.69 |
$4.84 |
$4.84 |
<-12 mths |
|
|
-1.49% |
<-Total Growth |
10 |
Cash Flow per Share |
|
|
| Increase |
50.70% |
-77.64% |
823.53% |
50.89% |
-126.84% |
606.30% |
-13.49% |
-125.84% |
604.44% |
-99.07% |
3148.04% |
154.56% |
-44.31% |
0.00% |
<-12 mths |
|
|
-6.00% |
<-IRR #YR-> |
10 |
Cash Flow |
-46.12% |
|
| 5 year Running Average |
$1.66 |
$1.56 |
$2.21 |
$3.36 |
$2.65 |
$4.19 |
$5.82 |
$4.39 |
$5.18 |
$5.60 |
$4.27 |
$4.26 |
$5.68 |
$4.38 |
<-12 mths |
|
|
#NUM! |
<-IRR #YR-> |
5 |
Cash Flow |
201.46% |
|
| P/CF on Med Price |
9.55 |
47.21 |
5.16 |
4.57 |
-23.49 |
3.70 |
3.60 |
-8.38 |
1.37 |
236.09 |
7.16 |
4.35 |
6.92 |
8.72 |
<-12 mths |
|
|
-0.15% |
<-IRR #YR-> |
10 |
Cash Flow per Share |
-1.49% |
|
| P/CF on Closing Price |
10.89 |
46.18 |
6.02 |
5.46 |
-24.13 |
2.67 |
3.60 |
-7.69 |
1.27 |
313.77 |
8.70 |
4.50 |
8.80 |
8.32 |
<-12 mths |
|
|
#NUM! |
<-IRR #YR-> |
5 |
Cash Flow per Share |
314.92% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
106.89% |
Diff M/C |
|
9.88% |
<-IRR #YR-> |
10 |
CFPS 5 yr Running |
156.57% |
|
| Excl.Working Capital CF |
-$2.7 |
-$21.6 |
$401.75 |
-$287.8 |
$383.7 |
-$405.5 |
-$286.3 |
$226.6 |
$464.2 |
$148.7 |
$24.7 |
-$89.1 |
-$5.0 |
$0.0 |
<-12 mths |
|
|
5.28% |
<-IRR #YR-> |
5 |
CFPS 5 yr Running |
29.36% |
|
| CF fr Op $M WC |
$162.1 |
$15.2 |
$741.8 |
$227.0 |
$244.3 |
$299.1 |
$274.6 |
$46.0 |
$1,168.8 |
$154.7 |
$201.6 |
$284.3 |
$178.2 |
$183.2 |
<-12 mths |
|
|
-75.97% |
<-Total Growth |
10 |
Cash Flow less WC |
|
|
| Increase |
25.70% |
-90.61% |
4775.16% |
-69.40% |
7.62% |
22.44% |
-8.19% |
-83.26% |
2443.00% |
-86.76% |
30.31% |
41.00% |
-37.31% |
2.81% |
<-12 mths |
|
|
-13.29% |
<-IRR #YR-> |
10 |
Cash Flow less WC |
-75.97% |
|
| 5 year Running Average |
$108.3 |
$98.9 |
$228.3 |
$255.0 |
$278.1 |
$305.5 |
$357.3 |
$218.2 |
$406.5 |
$388.6 |
$369.1 |
$371.1 |
$397.5 |
$200.4 |
<-12 mths |
|
|
31.13% |
<-IRR #YR-> |
5 |
Cash Flow less WC |
287.77% |
|
| CFPS Excl. WC |
$2.34 |
$0.22 |
$10.71 |
$3.27 |
$3.48 |
$4.27 |
$4.26 |
$0.57 |
$18.83 |
$2.70 |
$3.89 |
$6.61 |
$4.70 |
$4.84 |
<-12 mths |
|
|
5.70% |
<-IRR #YR-> |
10 |
CF less WC 5 Yr Run |
74.11% |
|
| Increase |
25.95% |
-90.61% |
4774.46% |
-69.50% |
6.68% |
22.65% |
-0.22% |
-86.57% |
3188.04% |
-85.67% |
44.15% |
70.05% |
-28.86% |
2.81% |
<-12 mths |
|
|
12.75% |
<-IRR #YR-> |
5 |
CF less WC 5 Yr Run |
82.22% |
|
| 5 year Running Average |
$1.57 |
$1.43 |
$3.30 |
$3.68 |
$4.00 |
$4.39 |
$5.20 |
$3.17 |
$6.29 |
$6.13 |
$6.05 |
$6.52 |
$7.35 |
$4.55 |
<-12 mths |
|
|
-7.90% |
<-IRR #YR-> |
10 |
CFPS - Less WC |
-56.07% |
|
| P/CF on Med Price |
9.71 |
114.22 |
2.37 |
10.37 |
13.41 |
8.71 |
7.36 |
32.91 |
0.83 |
9.19 |
6.28 |
5.71 |
7.11 |
8.72 |
<-12 mths |
|
|
52.37% |
<-IRR #YR-> |
5 |
CFPS - Less WC |
721.41% |
|
| P/CF on Closing Price |
11.07 |
111.73 |
2.76 |
12.39 |
13.77 |
6.30 |
7.35 |
30.22 |
0.76 |
12.22 |
7.64 |
5.91 |
9.05 |
8.32 |
<-12 mths |
|
|
8.34% |
<-IRR #YR-> |
10 |
CFPS 5 yr Running |
122.86% |
|
| *Operational Cash Flow
per share |
|
|
CF/-WC |
P/CF Med |
10 yr |
4.02 |
5 yr |
6.92 |
P/CF Med |
10 yr |
8.04 |
5 yr |
6.28 |
|
3.55% |
Diff M/C |
|
18.29% |
<-IRR #YR-> |
5 |
CFPS 5 yr Running |
131.61% |
|
| WC: Chge in
Accrued Interest Payable, receivable and chages in taxes payable. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-69.3 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
37.9 |
|
|
|
|
|
|
|
Shares |
|
|
|
|
|
|
|
|
|
|
-80.2 |
0.0 |
0.0 |
0.0 |
0.0 |
37.9 |
|
|
|
|
|
|
|
Shares |
|
|
|
|
|
-$340.1 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$183.2 |
|
|
|
|
|
|
|
Cash Flow |
|
|
|
|
|
|
|
|
|
|
$180.6 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$183.2 |
|
|
|
|
|
|
|
Cash Flow |
|
|
|
|
|
-$4.91 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$4.84 |
|
|
|
|
|
|
|
Cash Flow per Share |
|
|
|
|
|
|
|
|
|
|
$2.25 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$4.84 |
|
|
|
|
|
|
|
Cash Flow per Share |
|
|
|
|
|
-$2.21 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$5.68 |
|
|
|
|
|
|
|
CFPS 5 yr Running |
|
|
|
|
|
|
|
|
|
|
-$4.39 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$5.68 |
|
|
|
|
|
|
|
CFPS 5 yr Running |
|
|
|
|
|
-$741.8 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$178.2 |
|
|
|
|
|
|
|
Cash Flow less WC |
|
|
|
|
|
|
|
|
|
|
-$46.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$178.2 |
|
|
|
|
|
|
|
Cash Flow less WC |
|
|
|
|
|
-$228.3 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$397.5 |
|
|
|
|
|
|
|
CF less WC 5 Yr Run |
|
|
|
|
|
|
|
|
|
|
-$218.2 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$397.5 |
|
|
|
|
|
|
|
CF less WC 5 Yr Run |
|
|
|
|
|
-$10.71 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$4.70 |
|
|
|
|
|
|
|
CFPS - Less WC |
|
|
|
|
|
|
|
|
|
|
-$0.57 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$4.70 |
|
|
|
|
|
|
|
CFPS - Less WC |
|
|
|
|
|
-$3.30 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$7.35 |
|
|
|
|
|
|
|
CFPS 5 yr Running |
|
|
|
|
|
|
|
|
|
|
-$3.17 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$7.35 |
|
|
|
|
|
|
|
CFPS 5 yr Running |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| They seems to change how to calculate Chge in WC on this stock and I cannot figure out new
method. |
|
|
|
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|
|
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|
|
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|
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|
|
|
| I am putting what Google Finance says and moving on. |
|
|
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|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
| Loans, net of securitization and sales |
|
|
|
|
-$299.38 |
$205.410 |
$253.837 |
$2,947.462 |
-$1,327.930 |
-$931.213 |
-$164.572 |
-$1,017.480 |
-$2,516.354 |
|
|
|
|
|
|
|
|
|
|
| Restricted assets |
|
|
|
|
$227.20 |
$229.830 |
-$69.453 |
-$171.637 |
$127.806 |
-$212.426 |
$36.830 |
$154.046 |
$8.053 |
|
|
|
|
|
|
|
|
|
|
| Derivative assets and liabilities |
|
|
|
|
-$9.79 |
-$24.080 |
$27.497 |
$65.836 |
-$4.911 |
-$25.483 |
-$109.625 |
$106.750 |
$149.114 |
|
|
|
|
|
|
|
|
|
|
| Accrued interest receivable |
|
|
|
|
-$1.95 |
$1.320 |
$2.688 |
$10.613 |
-$5.818 |
-$6.776 |
$1.044 |
$9.530 |
-$28.910 |
|
|
|
|
|
|
|
|
|
|
| Accrued interest payable |
|
|
|
|
$0.06 |
$4.400 |
-$1.312 |
$3.666 |
$29.032 |
$18.416 |
-$23.732 |
-$36.398 |
$88.566 |
|
|
|
|
|
|
|
|
|
|
| Deposits |
|
|
|
|
$1,174.02 |
$1,524.230 |
$220.072 |
-$3,715.576 |
$806.636 |
$739.216 |
$216.506 |
$80.560 |
$1,909.096 |
|
|
|
|
|
|
|
|
|
|
| Credit Facilities |
|
|
|
|
|
|
|
|
$261.506 |
-$261.506 |
$100.000 |
$288.000 |
-$388.000 |
|
|
|
|
|
|
|
|
|
|
| Obligations related to securities |
|
|
|
|
|
|
|
|
|
|
|
|
$150.103 |
|
|
|
|
|
|
|
|
|
|
| Securitization liabilities |
|
|
|
|
-$1,469.30 |
-$1,542.650 |
-$130.907 |
$528.100 |
-$318.423 |
$448.777 |
-$88.096 |
$594.659 |
$684.824 |
|
|
|
|
|
|
|
|
|
|
| Taxes receivable or payable and other |
|
|
|
|
-$41.87 |
$20.390 |
$2.757 |
$13.086 |
-$42.405 |
$64.401 |
-$13.472 |
-$47.192 |
-$63.814 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Ammortization of discount on Sec |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Provision for credit losses |
|
|
|
|
$13.13 |
$8.930 |
$7.890 |
$7.516 |
$20.377 |
$19.783 |
$34.065 |
-$33.659 |
$19.403 |
|
|
|
|
|
|
|
|
|
|
| Loss on Sale of Loan Portfolio |
|
|
|
|
|
|
$0.000 |
$18.160 |
-$4.451 |
$0.079 |
-$0.364 |
-$5.127 |
-$0.139 |
|
|
|
|
|
|
|
|
|
|
| Loss of Loans held for Sale |
|
|
|
|
|
|
|
|
|
|
$1.344 |
|
|
|
|
|
|
|
|
|
|
|
|
| Gain on sale of mortgages or residual interest |
|
|
|
|
|
-$21.410 |
-$26.972 |
-$5.695 |
-$4.633 |
-$3.552 |
-$14.659 |
-$4.615 |
-$6.935 |
|
|
|
|
|
|
|
|
|
|
| Net Realised and unrealized losses |
|
|
|
|
|
|
$0.175 |
$71.910 |
-$1.016 |
$1.597 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Amortization of fair value of employee stock options |
|
|
|
|
|
$1.580 |
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Chnges in WC |
|
|
|
$287.820 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
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|
|
|
|
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|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Sum |
|
|
|
$287.820 |
-$407.875 |
$407.950 |
$286.272 |
-$226.559 |
-$464.230 |
-$148.687 |
-$24.731 |
$89.074 |
$5.007 |
|
|
|
|
|
|
|
|
|
|
| Google --> TD |
|
|
|
|
-$383.65 |
$405.510 |
$286.25 |
-$226.56 |
-$460 |
-$149 |
-$25 |
$89 |
$5 |
|
|
|
|
|
|
|
|
|
|
| Differnece |
|
|
|
|
-$24.22 |
$2.440 |
$0.02 |
$0.00 |
-$4 |
$0 |
$0 |
$0 |
$0 |
|
|
|
|
|
|
|
|
|
|
| TD |
|
|
|
$241 |
-$435 |
$406 |
$286 |
-$227 |
2020 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Differnece |
|
|
|
$47 |
$27 |
$2 |
$0 |
$0 |
|
|
|
|
|
|
|
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|
|
|
| OPM |
30.9% |
8.0% |
50.4% |
66.7% |
-15.3% |
120.5% |
96.4% |
-62.0% |
168.2% |
1.3% |
33.0% |
68.0% |
37.3% |
31.1% |
|
|
|
-26.09% |
<-Total Growth |
10 |
OPM |
|
|
| Increase |
37.80% |
-74.07% |
530.33% |
32.23% |
-122.95% |
-887.08% |
-20.00% |
-164.33% |
-371.34% |
-99.21% |
2395.81% |
105.92% |
-45.15% |
-16.69% |
|
|
|
|
Should increase |
|
or be stable. |
|
|
| Diff from Ave |
-40.6% |
-84.6% |
-3.0% |
28.3% |
-129.4% |
131.7% |
85.4% |
-219.3% |
223.6% |
-97.5% |
-36.5% |
30.7% |
-28.3% |
-40.3% |
|
|
|
0.00 |
<-Median-> |
10 |
OPM |
|
|
| *Operational
Profit Margin (CF/Revenue) Ratio |
|
|
|
|
|
|
|
OPM |
10 Yrs |
51.98% |
5 Yrs |
37.28% |
|
|
|
|
should be |
zero, it is a |
|
check on
calculations |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Covering Assets |
|
$17,459 |
$18,550 |
$19,177 |
$19,326 |
$19,872 |
$19,782 |
$16,738 |
$17,447 |
$18,264 |
$18,373 |
$19,389 |
$21,841 |
$21,841 |
|
|
|
$19,252 |
<-Median-> |
10 |
Covering Assets |
|
|
| Change |
|
|
6.24% |
3.38% |
0.78% |
2.82% |
-0.45% |
-15.39% |
4.24% |
4.68% |
0.60% |
5.53% |
12.65% |
0.00% |
|
|
|
3.10% |
<-Median-> |
10 |
Change |
|
|
| Deposits/Assets Retio |
|
|
|
0.67 |
0.72 |
0.79 |
0.80 |
0.73 |
0.74 |
0.75 |
0.76 |
0.72 |
0.73 |
0.73 |
|
|
|
73.64% |
<-Median-> |
10 |
Deposits/Assets Retio |
|
|
| Deposits/Total Debt
Ratio |
|
|
|
0.68 |
0.75 |
0.83 |
0.84 |
0.77 |
0.79 |
0.78 |
0.79 |
0.75 |
0.75 |
0.75 |
|
|
|
77.81% |
<-Median-> |
10 |
Deposits/Total Debt Ratio |
|
|
| Deposits (Debt) |
|
$7,922 |
$10,137 |
$12,766 |
$13,940 |
$15,666 |
$15,886 |
$12,170 |
$12,977 |
$13,716 |
$13,933 |
$14,013 |
$15,922 |
$15,922 |
|
|
|
|
Deposits |
|
Debt |
|
|
| Change |
|
#DIV/0! |
27.95% |
25.94% |
9.20% |
12.38% |
1.40% |
-23.39% |
6.63% |
5.70% |
1.58% |
0.58% |
13.62% |
0.00% |
|
|
|
6.16% |
<-Median-> |
10 |
Change |
|
|
| Debt/Market Cap Ratio |
|
4.66 |
4.96 |
4.54 |
4.14 |
8.32 |
7.87 |
8.76 |
14.52 |
7.26 |
9.05 |
8.34 |
9.87 |
10.44 |
|
|
|
8.33 |
<-Median-> |
10 |
Debt/Market Cap Ratio |
|
|
| Assets/Current
Liabilities Ratio |
|
120.61 |
110.26 |
115.67 |
106.47 |
82.14 |
65.06 |
51.81 |
57.20 |
51.91 |
55.74 |
84.88 |
79.88 |
79.88 |
|
|
|
72.47 |
<-Median-> |
10 |
Assets/Current Liab Ratio |
|
|
| Current
Liabilities/Asset Ratio |
|
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
0.02 |
0.02 |
0.02 |
0.02 |
0.02 |
0.01 |
0.01 |
0.01 |
|
|
|
|
|
|
Current Liab/Asset Ratio |
|
|
| Debt to Cash Flow
(Years) |
|
73.38 |
66.16 |
54.74 |
76.01 |
53.77 |
40.10 |
41.67 |
39.32 |
38.20 |
54.95 |
64.86 |
55.13 |
86.28 |
|
|
|
54.26 |
<-Median-> |
10 |
Debt to Cash Flow (Years) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Intangibles |
|
$63.917 |
$33.343 |
$73.405 |
$97.384 |
$112.595 |
$115.003 |
$98.669 |
$83.432 |
$65.644 |
$66.999 |
$63.318 |
$62.576 |
$62.576 |
|
|
|
87.67% |
<-Total Growth |
10 |
Intangibles |
|
|
| Goodwill |
|
$15.752 |
$15.752 |
$15.752 |
$15.752 |
$15.752 |
$6.752 |
$2.324 |
$2.324 |
$2.324 |
$2.324 |
$2.324 |
$2.324 |
$2.324 |
|
|
|
-85.25% |
<-Total Growth |
10 |
Goodwill |
|
|
| Total |
|
$79.669 |
$49.095 |
$89.157 |
$113.136 |
$128.347 |
$121.755 |
$100.993 |
$85.756 |
$67.968 |
$69.323 |
$65.642 |
$64.900 |
$64.900 |
|
|
|
32.19% |
<-Total Growth |
10 |
Total |
|
|
| Change |
|
|
-38.38% |
81.60% |
26.90% |
13.44% |
-5.14% |
-17.05% |
-15.09% |
-20.74% |
1.99% |
-5.31% |
-1.13% |
0.00% |
|
|
|
-3.13% |
<-Median-> |
10 |
Change |
|
|
| Intangible/Market Cap
Ratio |
|
0.05 |
0.02 |
0.03 |
0.03 |
0.07 |
0.06 |
0.07 |
0.10 |
0.04 |
0.05 |
0.04 |
0.04 |
0.04 |
|
|
|
0.04 |
<-Median-> |
10 |
Intangible/Market Cap Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Current Assets |
$872.81 |
$722.41 |
$363.34 |
$791.43 |
$425.88 |
$1,213.38 |
$1,324.42 |
$1,345.16 |
$831.12 |
$724.22 |
$696.30 |
$658.09 |
$682.33 |
$682.33 |
|
|
|
Liquidity ratio of 1.5 and up, best |
|
|
|
| Current Liabilities |
$310.72 |
$146.73 |
$170.50 |
$173.56 |
$188.62 |
$249.71 |
$315.56 |
$339.55 |
$317.17 |
$369.07 |
$347.29 |
$237.35 |
$284.50 |
$284.50 |
|
|
|
2.70 |
<-Median-> |
10 |
Ratio |
|
|
| Liquidity |
2.81 |
4.92 |
2.13 |
4.56 |
2.26 |
4.86 |
4.20 |
3.96 |
2.62 |
1.96 |
2.00 |
2.77 |
2.40 |
2.40 |
|
|
|
2.40 |
<-Median-> |
5 |
Ratio |
|
|
| Liq. with CF aft div |
3.27 |
5.00 |
3.94 |
7.31 |
1.79 |
7.43 |
5.77 |
3.73 |
4.84 |
1.98 |
2.51 |
4.35 |
2.96 |
2.96 |
|
|
|
2.96 |
<-Median-> |
5 |
Ratio |
|
|
| Liq. CF re Inv+Div |
1.51 |
1.52 |
0.96 |
5.56 |
0.99 |
7.43 |
4.47 |
3.73 |
4.02 |
1.89 |
2.33 |
4.04 |
2.80 |
2.96 |
|
|
|
2.80 |
<-Median-> |
5 |
Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Assets |
$7,712 |
$17,696 |
$18,800 |
$20,076 |
$20,083 |
$20,512 |
$20,529 |
$17,591 |
$18,142 |
$19,158 |
$19,356 |
$20,147 |
$22,727 |
$22,727 |
|
|
|
Debt Ratio of 1.5 and up, best |
|
|
|
|
| Liabilities |
$6,970 |
$16,922 |
$17,832 |
$18,898 |
$18,634 |
$18,891 |
$18,912 |
$15,778 |
$16,501 |
$17,476 |
$17,676 |
$18,576 |
$21,172 |
$21,172 |
|
|
|
1.09 |
<-Median-> |
10 |
Ratio |
|
|
| Debt Ratio |
1.11 |
1.05 |
1.05 |
1.06 |
1.08 |
1.09 |
1.09 |
1.11 |
1.10 |
1.10 |
1.10 |
1.08 |
1.07 |
1.07 |
|
|
|
1.10 |
<-Median-> |
5 |
Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Estimates BVPS |
|
|
|
|
|
|
|
|
|
|
|
|
|
$45.40 |
$50.90 |
|
|
|
Estimates |
|
Estimates BVPS |
|
|
| Estimate Book Value |
|
|
|
|
|
|
|
|
|
|
|
|
|
$1,719.9 |
$1,928.2 |
|
|
|
Estimates |
|
Estimate Book Value |
|
|
| P/B Ratio (Close) |
|
|
|
|
|
|
|
|
|
|
|
|
|
0.89 |
0.79 |
|
|
|
Estimates |
|
P/B Ratio (Close) |
|
|
| Difference from 10 year
median |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-5.60% |
|
|
|
Estimates |
|
Difference from 10 yr med. |
|
|
| Book Value |
$742.28 |
$774.79 |
$968.21 |
$1,177.70 |
$1,448.63 |
$1,621.11 |
$1,617.19 |
$1,813.51 |
$1,640.61 |
$1,681.80 |
$1,680.48 |
$1,571.24 |
$1,555.09 |
$1,555.09 |
$1,555.09 |
|
|
60.61% |
<-Total Growth |
10 |
Book Value |
|
|
| Book Value per Share |
$10.71 |
$11.19 |
$13.98 |
$16.95 |
$20.67 |
$23.17 |
$25.12 |
$22.60 |
$26.43 |
$29.33 |
$32.42 |
$36.55 |
$41.05 |
$41.05 |
$41.05 |
|
|
193.64% |
<-Total Growth |
10 |
Book Value |
|
|
| Increase |
25.99% |
4.44% |
24.95% |
21.24% |
21.94% |
12.09% |
8.42% |
-10.02% |
16.97% |
10.94% |
10.53% |
12.76% |
12.30% |
0.00% |
0.00% |
|
|
-43.11% |
P/B Ratio |
|
Current/Historical Median |
|
|
| P/B Ratio (Median) |
2.12 |
2.24 |
1.81 |
2.00 |
2.26 |
1.61 |
1.25 |
0.83 |
0.59 |
0.85 |
0.75 |
1.03 |
0.81 |
1.03 |
0.00 |
|
|
1.72 |
P/B Ratio |
|
Historical Median |
|
|
| P/B Ratio (Close) |
2.42 |
2.19 |
2.11 |
2.39 |
2.32 |
1.16 |
1.25 |
0.77 |
0.54 |
1.12 |
0.92 |
1.07 |
1.04 |
0.98 |
0.98 |
|
|
11.37% |
<-IRR #YR-> |
10 |
Book Value per Share |
193.64% |
|
| Change |
-1.78% |
-9.23% |
-3.72% |
13.01% |
-2.74% |
-49.96% |
7.38% |
-38.62% |
-28.88% |
106.31% |
-18.48% |
16.66% |
-2.96% |
-5.47% |
0.00% |
|
|
12.68% |
<-IRR #YR-> |
5 |
Book Value per Share |
81.64% |
|
|
2.79 |
2.79 |
2.76 |
2.24 |
2.24 |
2.18 |
2.06 |
1.91 |
1.77 |
1.71 |
1.43 |
1.14 |
0.94 |
0.94 |
|
|
|
1.43 |
<-Median-> |
5 |
Median 10 year P/B Ratio |
|
|
| Leverage (A/BK) |
10.39 |
22.84 |
19.42 |
17.05 |
13.86 |
12.65 |
12.69 |
9.70 |
11.06 |
11.39 |
11.52 |
12.82 |
14.61 |
14.61 |
|
|
|
12.67 |
<-Median-> |
10 |
A/BV |
|
|
| Debt/Equity Ratio |
9.39 |
21.84 |
18.42 |
16.05 |
12.86 |
11.65 |
11.69 |
8.70 |
10.06 |
10.39 |
10.52 |
11.82 |
13.61 |
13.61 |
|
|
|
11.67 |
<-Median-> |
10 |
Debt/Eq Ratio |
|
|
| Sharerholders
Equity (Assets less liabilities) |
|
|
|
|
|
|
|
P/BV |
10 yr Med |
0.94 |
5 yr Med |
0.81 |
|
4.41% |
Diff M/C |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$13.98 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$41.05 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$22.60 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$41.05 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Comprehensive Income |
$178.41 |
$174.98 |
$227.43 |
$241.81 |
$313.05 |
$240.35 |
$257.88 |
$56.70 |
$128.01 |
$136.67 |
$166.26 |
$254.20 |
$154.97 |
|
|
|
|
-31.86% |
<-Total Growth |
10 |
Comprehensive Income |
|
|
| Increase |
0.90% |
-1.92% |
29.97% |
6.32% |
29.46% |
-23.22% |
7.29% |
-78.01% |
125.78% |
6.76% |
21.65% |
52.90% |
-39.04% |
|
|
|
|
21.65% |
<-Median-> |
5 |
Comprehensive Income |
|
|
| 5 Yr Running Average |
$122.18 |
$143.74 |
$172.31 |
$199.89 |
$227.13 |
$239.52 |
$256.10 |
$221.95 |
$199.20 |
$163.92 |
$149.10 |
$148.37 |
$168.02 |
|
|
|
|
-3.76% |
<-IRR #YR-> |
10 |
Comprehensive Income |
-31.86% |
|
| ROE |
24.0% |
22.6% |
23.5% |
20.5% |
21.6% |
14.8% |
15.9% |
3.1% |
7.8% |
8.1% |
9.9% |
16.2% |
10.0% |
|
|
|
|
22.27% |
<-IRR #YR-> |
5 |
Comprehensive Income |
173.32% |
|
| 5Yr Median |
24.3% |
24.0% |
24.0% |
23.5% |
22.6% |
21.6% |
20.5% |
15.9% |
14.8% |
8.1% |
8.1% |
8.1% |
9.9% |
|
|
|
|
-0.25% |
<-IRR #YR-> |
10 |
5 Yr Running Average |
-2.49% |
|
| % Difference from NI |
-1.4% |
-7.9% |
2.5% |
-5.7% |
0.0% |
-16.3% |
4.2% |
653.3% |
-3.5% |
0.5% |
-5.4% |
3.9% |
3.2% |
|
|
|
|
-5.42% |
<-IRR #YR-> |
5 |
5 Yr Running Average |
-24.30% |
|
| Median Values |
|
|
|
|
|
|
|
|
|
Diff |
5, 10 yr |
0.2% |
0.5% |
|
|
|
|
9.9% |
<-Median-> |
5 |
Return on Equity |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$227.4 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$155.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$56.7 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$155.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
-$172.3 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$168.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$222.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$168.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Current Liability
Coverage Ratio |
0.52 |
0.10 |
4.35 |
1.31 |
1.29 |
1.20 |
0.87 |
0.14 |
3.69 |
0.42 |
0.58 |
1.20 |
0.63 |
0.64 |
|
|
|
|
|
|
CFO / Current Liabilities |
|
|
| 5 year Median |
0.50 |
0.48 |
0.48 |
0.52 |
1.29 |
1.29 |
1.29 |
1.20 |
1.20 |
0.87 |
0.58 |
0.58 |
0.63 |
0.63 |
|
|
|
103.4% |
<-Median-> |
10 |
Current Liability Cov Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Asset Efficiency Ratio |
2.10% |
0.09% |
3.95% |
1.13% |
1.22% |
1.46% |
1.34% |
0.26% |
6.44% |
0.81% |
1.04% |
1.41% |
0.78% |
0.81% |
|
|
|
|
|
|
CFO / Total Assets |
|
|
| 5 year Median |
1.75% |
1.75% |
1.75% |
1.75% |
1.22% |
1.22% |
1.34% |
1.22% |
1.34% |
1.34% |
1.04% |
1.04% |
1.04% |
0.81% |
|
|
|
1.2% |
<-Median-> |
10 |
Return on Assets |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Return on Assets ROA |
2.3% |
1.1% |
1.2% |
1.3% |
1.6% |
1.4% |
1.2% |
0.0% |
0.7% |
0.7% |
0.9% |
1.2% |
0.7% |
0.9% |
|
|
|
Net |
Income/Assets |
|
Return on Assets |
|
|
| 5Yr Median |
1.9% |
1.9% |
1.9% |
1.3% |
1.3% |
1.3% |
1.3% |
1.3% |
1.2% |
0.7% |
0.7% |
0.7% |
0.7% |
0.9% |
|
|
|
1.1% |
<-Median-> |
10 |
Asset Efficiency Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Return on Equity ROE |
24.4% |
24.5% |
22.9% |
21.8% |
21.6% |
17.7% |
15.3% |
0.4% |
8.1% |
8.1% |
10.5% |
15.6% |
9.7% |
13.8% |
|
|
|
Net Inc/ |
Shareholders' equity |
|
Return on Equity |
|
|
| 5Yr Median |
24.7% |
24.7% |
24.1% |
23.4% |
22.7% |
21.2% |
19.4% |
14.5% |
12.1% |
9.7% |
8.3% |
8.3% |
10.3% |
11.4% |
|
|
|
12.9% |
<-Median-> |
10 |
Return on Equity |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Net Income |
$180.94 |
$190.08 |
$221.98 |
$256.54 |
$313.17 |
$287.29 |
$247.40 |
$7.53 |
$132.60 |
$135.99 |
$175.69 |
$244.73 |
$150.23 |
$214 |
$237 |
|
|
-32.32% |
<-Total Growth |
10 |
Net Income |
|
|
| Increase |
25.23% |
5.05% |
16.78% |
15.57% |
22.07% |
-8.27% |
-13.88% |
-96.96% |
1661.70% |
2.55% |
29.20% |
39.30% |
-38.62% |
42.45% |
10.75% |
|
|
EPS/CF Ratio should not be higher than 1.00 |
|
|
| 5 Yr Running Average |
$118.3 |
$142.9 |
$169.2 |
$198.8 |
$232.5 |
$253.8 |
$265.3 |
$222.4 |
$197.6 |
$162.2 |
$139.8 |
$139.3 |
$167.8 |
$184.1 |
$204.3 |
|
|
-3.83% |
<-IRR #YR-> |
10 |
Net Income |
-32.32% |
|
| Operating Cash Flow |
$164.77 |
$36.82 |
$340.06 |
$514.78 |
-$139.40 |
$704.58 |
$560.84 |
-$180.60 |
$704.58 |
$6.02 |
$176.88 |
$373.35 |
$183.24 |
|
|
|
|
81.98% |
<-IRR #YR-> |
5 |
Net Income |
1895.85% |
|
| Investment Cash Flow |
-$362.0 |
-$336.4 |
-$532.9 |
-$54.6 |
-$193.3 |
$152.6 |
-$92.4 |
$187.7 |
-$64.8 |
-$16.5 |
-$27.9 |
-$18.2 |
-$16.4 |
|
|
|
|
-0.08% |
<-IRR #YR-> |
10 |
5 Yr Running Ave. |
-0.82% |
|
| Total Accruals |
$378.2 |
$489.7 |
$414.8 |
-$203.6 |
$645.9 |
-$569.9 |
-$221.1 |
$0.4 |
-$507.1 |
$146.4 |
$26.7 |
-$110.5 |
-$16.6 |
|
|
|
|
-5.47% |
<-IRR #YR-> |
5 |
5 Yr Running Ave. |
-24.52% |
|
| Total Assets |
$7,712.2 |
$17,696.5 |
$18,800.1 |
$20,075.9 |
$20,082.7 |
$20,512.0 |
$20,528.8 |
$17,591.1 |
$18,141.7 |
$19,157.6 |
$19,356.2 |
$20,147.0 |
$22,727.1 |
|
|
|
|
|
Balance Sheet |
|
Assets |
|
|
| Accruals Ratio |
4.90% |
2.77% |
2.21% |
-1.01% |
3.22% |
-2.78% |
-1.08% |
0.00% |
-2.80% |
0.76% |
0.14% |
-0.55% |
-0.07% |
|
|
|
|
-0.07% |
<-Median-> |
5 |
Ratio |
|
|
| EPS/CF Ratio |
1.11 |
12.42 |
0.30 |
1.12 |
1.28 |
0.96 |
0.87 |
0.17 |
0.09 |
0.85 |
0.86 |
0.72 |
0.77 |
|
|
|
|
0.85 |
<-Median-> |
10 |
EPS/CF Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$222 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$150 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$8 |
$0 |
$0 |
$0 |
$0 |
$150 |
|
|
|
|
|
|
|
|
|
|
|
|
|
-$169 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
$168 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$222 |
$0 |
$0 |
$0 |
$0 |
$168 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Change in Close |
23.75% |
-5.19% |
20.31% |
37.01% |
18.60% |
-43.90% |
16.42% |
-44.77% |
-16.81% |
128.89% |
-9.89% |
31.55% |
8.98% |
-5.47% |
0.00% |
8.89% |
|
|
Count |
26 |
Years of data |
|
|
| up/down |
down |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Count |
13 |
50.00% |
|
|
| Meet Prediction? |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
% right |
Count |
1 |
7.69% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Financial Cash Flow |
$85.75 |
$118.56 |
-$33.68 |
-$33.56 |
-$39.72 |
-$68.08 |
-$412.92 |
$123.66 |
-$300.51 |
-$96.14 |
-$183.38 |
-$372.44 |
-$179.90 |
|
|
|
|
|
C F Statement |
|
Financial Cash Flow |
|
|
| Total Accruals |
$292.44 |
$371.10 |
$448.50 |
-$170.06 |
$685.60 |
-$501.82 |
$191.85 |
-$123.22 |
-$206.63 |
$242.56 |
$210.10 |
$261.99 |
$163.27 |
|
|
|
|
|
|
|
Accruals |
|
|
| Accruals Ratio |
3.79% |
2.10% |
2.39% |
-0.85% |
3.41% |
-2.45% |
0.93% |
-0.70% |
-1.14% |
1.27% |
1.09% |
1.30% |
0.72% |
|
|
|
|
1.09% |
<-Median-> |
5 |
Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Cash |
$754.57 |
$665.81 |
$439.29 |
$728.47 |
$360.75 |
$1,149.85 |
$1,205.39 |
$1,336.14 |
$663.95 |
$559.38 |
$524.97 |
$507.71 |
$494.67 |
$494.67 |
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Cash |
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| Cash per Share |
$10.89 |
$9.61 |
$6.34 |
$10.48 |
$5.15 |
$16.43 |
$18.72 |
$16.65 |
$10.70 |
$9.75 |
$10.13 |
$11.81 |
$13.06 |
$13.06 |
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|
$10.70 |
<-Median-> |
5 |
Cash per Share |
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| Percentage of Stock
Price |
42.05% |
39.16% |
21.47% |
25.91% |
10.72% |
61.04% |
59.73% |
96.19% |
74.29% |
29.59% |
34.10% |
30.23% |
30.67% |
32.44% |
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30.67% |
<-Median-> |
5 |
% of Stock Price |
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| Notes: |
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| March 5,
2023. Last estimates were for 2022 and
2023 of $545, $606 for Revenue, $5.24 and $6.24 for EPS, $0.60 and $0.75 for
Dividends, $40.40 and $45.80 for BVPS, and $214M, $214M for Net Income. |
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| March 11,
2022. Last estimates were for 2021 and
2022 of $573M, $620M, $4.16 and $4.75 for EPS, $0.25 and $0.64 for Dividends,
$214M and $233M for Net Income. |
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| March 6,
2021. Last estimates were for 2020 and
2021 of $522M and $541M for Revenue, $3.31 and 3.95 for EPS, $0.04 and $0.61
for Dividends and $173M and $198M for Net Income. |
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| March 1,
2020. Last estimates were for
2019, and 2020 of $386M and $414M,
$2.12, $2.47 and 2.43 for EPS for 2019, 2020 and 2021 and $130M and $144M for
net income. |
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| February 24,
2019. Last estimates were for 2018,
and 2020 of $347M and $372M, $1.59 and $1.83 fo EPS, $012 and 0.32 for
dividends and $129M and $149M for Net Income. |
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| February 17,
2018. Last estimates were for 2017,
2018 and 2019 of $498M, $533M and $654M for Net Interest Income, $4.06, $4.34
and $4.78 for EPS and $259M, $271M for 2017 and 2018 for Net Income. |
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| February 12,
2017. Last estimates were for $539M,
$572M and $705M for Revenue, $4.36, $4.77 and $4.80 for EPS, |
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| $4.43 for
2016 for CFPS and $350M and $389M for 2016 and 2017 for Net Income. |
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| February 27,
2016. Last estimates were for 2015,
2016 and 2017 of $490M, $556M and $601M for Revenue, $4.43, $4.99 and $5.50
for EPS, |
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| $4.43 and
$4.99 for CFPS for 2015 and 2016 and $312M, $350M and $389M for Net Income |
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| February 28,
2015. Last estimates were for 2014 and
2015 of $476M and $531M for Revenue, $8.39 and $9.38 for EPS, and $8.29 and
$9.47 for CFPS. |
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| February 13,
2014. Last Estimates were for 2013 and
2014 of $430M and $490M for Revenue, $7.28 and $8.22 for EPS. |
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| June 16,
2013. Last estimates were for 2011 and
2013 of $364.1M and $380.1M for Revenue and $5.51, $6.35 (and $7.22) for EPS. |
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| The change to
IFRS has enhanced the revenue of this company. |
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| Jan 22,
2012. Last estimates I got were for
2010 and 2011 at $4.90 and $5.40 for EPS. |
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| Nov 11, 2010.
When I last looked I got 2009 and 2010 earnings of $3.85 and $4.36. |
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| AR
2007. I notice that a number of
previous figures, like income and dividends were changed from 2006 report to
the 2007 report. They only say that
that changed to the new accounting standards issued |
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| by the
Canadian Institute of Chartered Accountants of of 1 January 2007. This does not explain changes in past
dividend payments. I did not change my
spreadsheet to match |
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| the new figures. |
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| Sector: |
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| Bank, Financial
Services |
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| What should
this stock accomplish? |
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| Would I buy
this company and Why. |
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| Why am I following this
stock. |
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| I started
reviewing this company in September 2009.
It is a dividend growth company and was coming up on lists of good
dividend paying stocks. |
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| It is on some
dividends paying companies lists that I look at. |
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| Dividends |
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| Dividends are
paid in cycle 3, which is March, June, September and December. Dividends are declared for shareholders of one month and paid in the following month. |
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| For example,
the dividend declared on February 12, 2014 is for shareholders of record of
February 24, 2014 and is payable on March 1,
2014. |
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| Dividends
were started in 1999. They were
stopped in 2017 and revived in 2021. |
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| Misson
Statement or closes thing I can find. |
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| What I am
looking for is a statement that the company wants to do well by their
customers, employees, and community and and
thereby earn shareholders a reasonable return. |
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| For customers The
highest level of customer service to our clients
and business partners |
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| For employees A nimble,
entrepreneurial culture with our enthusiasm,
teamwork and desire for continuous improvement |
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| For community Community
and environmental improvement through fundraising,
community involvement and sustainable environmental initiatives |
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| For investors |
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| The Company’s
mission is to deliver superior shareholder value by focusing on well-defined
niches in the Canadian lending |
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| and
deposit-taking market place that generate above-average returns, have
acceptable residual risk profiles and are not |
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| adequately
served by traditional financial institutions, while protecting the depositors
and operating within regulatory |
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| guidelines
and the Company’s risk appetite. |
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| How they make their
money. |
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| Home Capital
Group Inc is a specialty finance company that offers residential and
commercial mortgage lending, securitization of insured mortgage products,
consumer lending, and c |
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| redit card
services. The company also offers deposits via brokers and financial
planners, and through its direct-to-consumer deposit brand, Oaken Financial.
Home Capital's mortgage |
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| lending
focuses on homeowners who typically do not meet all the lending criteria of
traditional financial institutions. |
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| http://donvillekent.com/uploads/ROEReporterVolume22-January%202013.pdf |
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| Home Capital
Group (HCG) – Toronto based Home Capital Group is the largest independent
Mortgage and Trust Company in Canada. The Company has been run by that same
entrepreneur (Gerry Soloway) since the 1980’s and |
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| he has
positioned the Company in a manner that allows it to grow while mitigating
the risk of a possible real estate downturn. This risk mitigating strategy
centers on one key concept and that is “low ratio lending”. Home |
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| Capital
typically only lends the first 70% of a home’s value. Therefore, if a housing
correction were to ensue, the downside risk to Home Capital would be small
because the first loss would be absorbed by other lenders or the home |
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| owner. Home
Capital’s ROE has stayed above 20% for nearly two decades and we expect that
level of performance to continue in 2013. Home Capital represents 10.6% of
the Capital Ideas Fund. |
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| For most
ratios, lower is better when looking for a good stock price. However, there are exceptions such as for
yield and asset/liability ratios and here you want a higher ratios to
indicate a good stock price. |
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| Also, for
the Operational Profit Margin, a higher percentage is better. With the OPM, you should only compare
companies in similar industries. |
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| 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 |
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Shares |
%, Val $M |
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|
Change |
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| Date |
2015 |
Feb 27 |
2016 |
Feb 12 |
2017 |
Feb 17 |
2018 |
Feb 24 |
2019 |
Mar 1 |
2020 |
Mar 6 |
2021 |
Mar 11 |
2022 |
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Mar 5 |
2023 |
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| Bissada, Yousry |
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|
0.027 |
0.04% |
0.045 |
0.08% |
0.045 |
0.09% |
0.053 |
0.12% |
0.065 |
0.17% |
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0.163 |
0.43% |
|
INK shows Bonita Joan Then |
151.83% |
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| CEO - Shares - Amount |
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$0.389 |
|
$1.483 |
|
$1.337 |
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$2.053 |
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$2.749 |
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$6.923 |
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as CEO Feb 2018 |
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| Options - percentage |
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0.064 |
0.10% |
0.053 |
0.09% |
0.293 |
0.56% |
0.360 |
0.84% |
0.402 |
1.06% |
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0.273 |
0.72% |
|
HCG shows Bissada Dec 2017 |
-31.90% |
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| Options - amount |
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$0.919 |
|
$1.746 |
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$8.691 |
|
$14.076 |
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$17.100 |
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$11.645 |
|
press release |
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| Reid, Martin K. |
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0.045 |
0.06% |
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| CEO - Shares - Amount |
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$0.771 |
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| Options - percentage |
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0.237 |
0.30% |
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| Options - amount |
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$4.109 |
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| Kotush, Bradley William |
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0.027 |
0.04% |
0.050 |
0.09% |
0.055 |
0.11% |
0.059 |
0.14% |
0.073 |
0.19% |
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0.087 |
0.23% |
|
INK does not show as CFO |
20.19% |
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| CFO - Shares - Amount |
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$0.389 |
|
$1.632 |
|
$1.634 |
|
$2.294 |
|
$3.095 |
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$3.720 |
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| Options - percentage |
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0.009 |
0.01% |
0.035 |
0.06% |
0.076 |
0.15% |
0.098 |
0.23% |
0.115 |
0.30% |
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0.092 |
0.24% |
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-19.70% |
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| Options - amount |
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$0.130 |
|
$1.141 |
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$2.261 |
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$3.844 |
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$4.881 |
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$3.920 |
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| Morton, Robert |
0.00% |
0.000 |
0.00% |
0.003 |
0.00% |
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Ceased insider Aug 2017 |
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| CFO - Shares - Amount |
$0.007 |
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$0.008 |
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$0.047 |
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| Options - percentage |
0.01% |
0.027 |
0.04% |
0.027 |
0.03% |
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| Options - amount |
$0.269 |
|
$0.857 |
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$0.476 |
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| Hemmingway, Mark
Richard |
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|
0.000 |
0.00% |
0.002 |
0.00% |
0.004 |
0.01% |
0.011 |
0.03% |
|
|
0.014 |
0.04% |
|
|
26.64% |
|
| Officer - Shares -
Amount |
|
|
|
|
|
|
|
|
$0.000 |
|
$0.051 |
|
$0.155 |
|
$0.466 |
|
|
|
$0.590 |
|
|
|
|
| Options - percentage |
|
|
|
|
|
|
|
0.014 |
0.02% |
0.031 |
0.06% |
0.041 |
0.10% |
0.047 |
0.12% |
|
|
0.047 |
0.12% |
|
|
0.38% |
|
| Options - amount |
|
|
|
|
|
|
|
|
$0.447 |
|
$0.927 |
|
$1.601 |
|
$1.988 |
|
|
|
$1.996 |
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| Ahlvik, Christer |
0.01% |
0.009 |
0.01% |
0.011 |
0.01% |
0.011 |
0.02% |
0.011 |
0.02% |
|
|
|
|
|
|
|
|
|
|
|
last updated Mar 2018 |
|
|
| Officer - Shares -
Amount |
$0.238 |
|
$0.277 |
|
$0.186 |
|
$0.155 |
|
$0.360 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Options - percentage |
0.02% |
0.027 |
0.04% |
0.027 |
0.03% |
0.028 |
0.05% |
0.044 |
0.08% |
|
|
|
|
|
|
|
|
|
|
|
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|
| Options - amount |
$0.469 |
|
$0.846 |
|
$0.459 |
|
$0.408 |
|
$1.435 |
|
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| Blowes, Robert |
|
|
|
0.007 |
0.01% |
0.007 |
0.01% |
0.007 |
0.01% |
0.007 |
0.01% |
0.007 |
0.02% |
0.007 |
0.02% |
|
|
0.007 |
0.02% |
|
was CFO, now director |
0.00% |
|
| Director - Shares -
Amount |
|
|
|
|
$0.121 |
|
$0.101 |
|
$0.231 |
|
$0.208 |
|
$0.273 |
|
$0.298 |
|
|
|
$0.298 |
|
|
|
|
| Options - percentage |
|
|
|
0.063 |
0.08% |
0.056 |
0.09% |
0.057 |
0.10% |
0.034 |
0.07% |
0.020 |
0.05% |
0.024 |
0.06% |
|
|
0.029 |
0.08% |
|
|
22.45% |
|
| Options - amount |
|
|
|
|
$1.090 |
|
$0.803 |
|
$1.889 |
|
$1.019 |
|
$0.773 |
|
$1.013 |
|
|
|
$1.240 |
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| Hibben, Alan Roy |
|
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|
|
|
|
|
|
|
|
|
0.013 |
0.03% |
0.017 |
0.04% |
|
|
0.019 |
0.05% |
|
|
11.96% |
|
| Chairman - Shares - Amt |
|
|
|
|
|
|
|
|
|
|
|
|
$0.500 |
|
$0.715 |
|
|
|
$0.801 |
|
|
|
|
| Options - percentage |
|
|
|
|
|
|
|
|
|
|
|
0.047 |
0.11% |
0.054 |
0.14% |
|
|
0.063 |
0.17% |
|
|
17.46% |
|
| Options - amount |
|
|
|
|
|
|
|
|
|
|
|
|
$1.841 |
|
$2.283 |
|
|
|
$2.682 |
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|
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| Derksen, Paul W. |
|
|
|
|
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|
|
0.060 |
0.10% |
0.060 |
0.12% |
0.060 |
0.14% |
|
|
|
|
|
|
|
Ceased insider May 2021 |
|
|
| Chairman - Shares - Amt |
|
|
|
|
|
|
|
|
$1.978 |
|
$1.782 |
|
$2.344 |
|
|
|
|
|
|
|
|
|
|
| Options - percentage |
|
|
|
|
|
|
|
0.006 |
0.01% |
0.008 |
0.02% |
0.018 |
0.04% |
|
|
|
|
|
|
|
|
|
|
| Options - amount |
|
|
|
|
|
|
|
|
$0.185 |
|
$0.245 |
|
$0.693 |
|
|
|
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|
| Increase in O/S Shares |
0.91% |
0.227 |
0.32% |
0.071 |
0.11% |
0.016 |
0.02% |
0.000 |
0.00% |
0.035 |
0.06% |
0.061 |
0.12% |
0.178 |
0.41% |
|
|
0.326 |
0.86% |
|
|
|
|
| due to SO 2013 |
$30.522 |
|
$6.111 |
|
$2.225 |
|
$0.277 |
|
$0.000 |
|
$1.154 |
|
$1.812 |
|
$6.954 |
|
|
|
$13.881 |
|
|
|
|
| Book Value |
$14.488 |
|
$6.002 |
|
$1.984 |
|
$0.548 |
|
$0.000 |
|
$1.043 |
|
$1.090 |
|
$5.033 |
|
|
|
$5.033 |
|
|
|
|
| Insider Buying |
-$0.148 |
|
-$0.168 |
|
-$0.071 |
|
-$1.351 |
|
-$1.519 |
|
-$0.125 |
|
-$0.476 |
|
-$0.300 |
|
|
|
-$0.342 |
|
|
|
|
| Insider Selling |
$23.759 |
|
$2.923 |
|
$6.694 |
|
$0.000 |
|
$0.000 |
|
$0.563 |
|
$0.284 |
|
$2.614 |
|
|
|
$5.955 |
|
|
|
|
| Net Insider Selling |
$23.611 |
|
$2.755 |
|
$6.622 |
|
-$1.351 |
|
-$1.519 |
|
$0.438 |
|
-$0.193 |
|
$2.314 |
|
|
|
$5.613 |
|
|
|
|
| % of Market Cap |
0.70% |
|
0.14% |
|
0.48% |
|
-0.15% |
|
-0.08% |
|
0.03% |
|
-0.01% |
|
0.14% |
|
|
|
0.37% |
|
|
|
|
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| Directors |
|
10 |
|
12 |
|
9 |
|
11 |
|
11 |
|
11 |
|
11 |
|
|
|
13 |
|
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|
|
| Women |
30% |
3 |
30% |
3 |
25% |
4 |
44% |
3 |
27% |
3 |
27% |
3 |
27% |
4 |
36% |
|
|
4 |
31% |
|
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|
|
| Minorities |
0% |
0 |
0% |
0 |
0% |
0 |
0% |
0 |
0% |
0 |
0% |
2 |
18% |
2 |
18% |
|
|
2 |
15% |
|
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|
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|
men, Arab |
|
men, Arab |
|
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|
men, Arab |
|
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|
|
| Institutions/Holdings |
29.36% |
93 |
36.70% |
93 |
61.68% |
58 |
60.05% |
64 |
87.99% |
20 |
47.79% |
20 |
51.33% |
|
|
|
|
20 |
40.07% |
|
|
|
|
| Total Shares Held |
29.41% |
25.684 |
39.89% |
39.714 |
49.49% |
48.191 |
77.65% |
54.173 |
94.47% |
28.361 |
54.71% |
26.789 |
51.68% |
|
|
|
|
15.182 |
40.07% |
|
|
|
|
| Increase/Decrease |
1.28% |
-1.831 |
-6.65% |
6.420 |
19.28% |
-0.082 |
-0.17% |
-0.978 |
-1.77% |
-14.203 |
-33.37% |
0.869 |
3.35% |
|
|
|
|
0.314 |
2.11% |
|
|
|
|
| Starting No. of Shares |
|
27.515 |
|
33.294 |
|
48.273 |
|
55.151 |
|
42.564 |
Top 20 MS |
25.920 |
Top 20 MS |
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14.867 |
Top 20 MS |
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| Copyright ©
2008 Website of SPBrunner. All rights reserved. |
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| My Stock |
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