Interest and Dividend Income | - | 1,755 | 1,731 | 1,816 | 1,855 | |
Total Interest Expense | 794.52 | 723.08 | 784.78 | 775.57 | 731.32 | |
Net Interest Income | -794.52 | 1,032 | 946.58 | 1,040 | 1,124 | |
Gain (Loss) on Sale of Loans & Receivables | -6.5 | -17.19 | -44.55 | -479.58 | -50.61 | |
Gain (Loss) on Sale of Investments | -4.13 | 0.78 | 20.2 | 20.27 | 20.21 | |
Other Revenue | 1,514 | 6.75 | 11.57 | 7.77 | 1.6 | |
Revenue Before Loan Losses | 709.08 | 1,022 | 933.8 | 588.66 | 1,095 | |
Provision for Loan Losses | 105.22 | 177.28 | 238.08 | -298.47 | 77.35 | |
Revenue | 603.86 | 844.57 | 695.71 | 887.13 | 1,017 | |
Revenue Growth (YoY) | -28.50% | 21.40% | -21.58% | -12.80% | -28.38% | |
Salaries & Employee Benefits | 155.74 | 204.57 | 197.04 | 211.17 | 190.37 | |
Cost of Services Provided | 268.58 | 409.7 | 367.21 | 469.67 | 467.3 | |
Other Operating Expenses | 213.49 | 100.9 | 10.31 | 75.63 | 96.31 | |
Total Operating Expenses | 652.7 | 722.69 | 580.32 | 775.23 | 816.05 | |
Operating Income | -48.84 | 121.88 | 115.39 | 111.9 | 201.32 | |
Currency Exchange Gain (Loss) | - | 3.59 | 7.36 | 0.79 | -5.35 | |
EBT Excluding Unusual Items | 48.29 | 213.4 | 180.3 | 112.79 | 195.97 | |
Gain (Loss) on Sale of Investments | - | -5.91 | - | - | - | |
Pretax Income | 48.29 | 205.63 | 172.58 | 93.77 | 162.7 | |
Income Tax Expense | 10.5 | 41.02 | 37.23 | 28.56 | 47.85 | |
Net Income | 37.78 | 164.62 | 135.35 | 65.21 | 114.85 | |
Net Income to Common | 37.78 | 164.62 | 135.35 | 65.21 | 114.85 | |
Net Income Growth | -77.05% | 21.62% | 107.57% | -43.23% | -78.52% | |
Shares Outstanding (Basic) | 63 | 69 | 69 | 69 | 69 | |
Shares Outstanding (Diluted) | 63 | 72 | 76 | 76 | 76 | |
Shares Change (YoY) | -12.89% | -5.32% | 0.08% | 0.04% | 3.91% | |
EPS (Basic) | 0.60 | 2.40 | 1.97 | 0.95 | 1.67 | |
EPS (Diluted) | 0.60 | 2.20 | 1.80 | 0.95 | 1.60 | |
EPS Growth | -72.73% | 22.22% | 89.32% | -40.58% | -77.78% | |
Free Cash Flow | 749.28 | 1,591 | 829.36 | 685.89 | 1,116 | |
Free Cash Flow Per Share | 11.90 | 22.01 | 10.86 | 8.99 | 14.64 | |
Operating Margin | -8.09% | 14.43% | 16.59% | 12.61% | 19.79% | |
Profit Margin | 6.26% | 19.49% | 19.45% | 7.35% | 11.29% | |
Free Cash Flow Margin | 124.08% | 188.41% | 119.21% | 77.31% | 109.73% | |
Effective Tax Rate | 21.75% | 19.95% | 21.57% | 30.46% | 29.41% | |