| 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. |
|
|
|
|
|
|
9/30/11 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| See my
website on stocks or see my blog at the following sites. |
www.spbrunner.com/stocks.html |
|
www.spbrunner.blogspot.com/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Home Capital
Group |
|
HCG |
|
www.homecapital.com |
|
|
Fiscal Yr: |
Dec 31 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Year |
12/31/99 |
12/31/00 |
12/31/01 |
12/31/02 |
12/31/03 |
12/31/04 |
12/31/05 |
12/31/06 |
12/31/07 |
12/31/08 |
12/31/09 |
12/31/10 |
12/31/11 |
12/30/12 |
12/30/13 |
|
|
|
|
#Y |
|
|
|
|
|
|
|
|
|
|
|
| Accounting Rules |
|
|
|
|
|
|
|
|
|
|
|
C GAAP |
IFRS |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Split |
|
|
|
|
|
2 |
|
|
|
|
|
|
$728.21 |
<-12 mths |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Revenue* |
$53.0 |
$70.6 |
$91.6 |
$112.6 |
$144.6 |
$186.7 |
$243.1 |
$292.3 |
$368.9 |
$454.7 |
$489.2 |
$533.9 |
$364.1 |
$380.1 |
???? |
|
656.22% |
<-Total Growth |
10 |
Revenue |
|
|
|
|
|
|
|
|
|
|
| Increase |
26.03% |
33.17% |
29.79% |
22.83% |
28.46% |
29.12% |
30.22% |
20.23% |
26.20% |
23.26% |
7.58% |
9.15% |
-31.81% |
4.38% |
|
|
22.42% |
<-IRR #YR-> |
|
10 |
Revenue |
|
|
|
|
|
|
|
|
|
|
| Rev per Share |
$1.80 |
$2.38 |
$2.47 |
$3.37 |
$4.31 |
$5.53 |
$7.15 |
$8.55 |
$10.68 |
$13.20 |
$14.09 |
$15.41 |
$10.51 |
$10.97 |
|
|
17.04% |
<-IRR #YR-> |
|
5 |
Revenue |
|
|
|
|
|
|
|
|
|
|
| P/S (Price/Sales) |
1.14 |
1.26 |
2.23 |
2.15 |
3.86 |
5.79 |
4.71 |
4.02 |
3.92 |
1.50 |
2.97 |
3.36 |
4.67 |
4.81 |
|
|
20.53% |
<-IRR #YR-> |
|
10 |
Rev per share |
|
|
|
|
|
|
|
|
|
|
| Averages |
|
|
|
|
|
|
|
P/S |
10 yr |
3.61 |
5 yr |
3.36 |
|
|
|
|
16.61% |
<-IRR #YR-> |
|
5 |
Rev per share |
|
|
|
|
|
|
|
|
|
|
| *Total
Revenue in M CDN $ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$70.6 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$533.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$243.1 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$533.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$2.4 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$15.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$7.1 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$15.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre Split '04 |
$0.52 |
$0.68 |
$0.91 |
$1.19 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| EPS* |
$0.26 |
$0.34 |
$0.46 |
$0.60 |
$0.86 |
$1.26 |
$1.72 |
$1.95 |
$2.59 |
$3.13 |
$4.15 |
$5.20 |
$5.51 |
$6.35 |
$7.22 |
|
1429.41% |
<-Total Growth |
10 |
Earnings |
|
|
|
|
|
|
|
|
|
|
| Increase |
33.33% |
30.77% |
33.82% |
30.77% |
44.54% |
46.51% |
36.51% |
13.37% |
32.82% |
20.85% |
32.59% |
25.30% |
5.96% |
15.25% |
13.70% |
|
31.36% |
<-IRR #YR-> |
|
10 |
Earnings |
|
|
|
|
|
|
|
|
|
|
| Earnings Yield |
12.7% |
11.3% |
8.2% |
8.2% |
5.2% |
3.9% |
5.1% |
5.7% |
6.2% |
15.8% |
9.9% |
10.0% |
11.2% |
12.0% |
13.7% |
|
24.77% |
<-IRR #YR-> |
|
5 |
Earnings |
|
|
|
|
|
|
|
|
|
|
| * ESP per
share (Cdn GAAP) |
|
|
|
|
|
|
E/P |
10 Yrs |
7.19% |
5Yrs |
9.92% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$0.34 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$5.20 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$1.72 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$5.20 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre Split '04 |
$0.05 |
$0.08 |
$0.10 |
$0.12 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Div* |
$0.02 |
$0.04 |
$0.05 |
$0.06 |
$0.06 |
$0.12 |
$0.17 |
$0.27 |
$0.44 |
$0.50 |
$0.58 |
$0.66 |
$0.76 |
$0.80 |
$0.80 |
|
1550.00% |
1420.00% |
<-Total Growth |
10 |
Dividends |
|
|
|
|
|
|
|
|
|
|
| Increase |
|
77.78% |
25.00% |
20.00% |
0.00% |
100.00% |
41.67% |
58.82% |
62.96% |
13.64% |
16.00% |
13.79% |
15.15% |
5.26% |
0.00% |
|
22.50% |
18.00% |
<-Median-> |
10 |
Dividends |
|
|
|
|
|
|
|
|
|
|
| Yield H/L Pr. |
1.15% |
1.72% |
1.27% |
0.93% |
0.51% |
0.48% |
0.48% |
0.79% |
1.18% |
1.77% |
1.98% |
1.45% |
1.51% |
|
|
|
1.05% |
1.05% |
<-Median-> |
10 |
Dividends |
|
|
|
|
|
|
|
|
|
|
| Yield on High Pr. |
0.99% |
1.33% |
1.02% |
0.80% |
0.36% |
0.37% |
0.42% |
0.65% |
1.05% |
1.23% |
1.35% |
1.27% |
1.28% |
|
|
|
0.91% |
0.92% |
<-Median-> |
10 |
Dividends |
|
|
|
|
|
|
|
|
|
|
| Yield on Low Pr. |
1.36% |
2.42% |
1.71% |
1.10% |
0.84% |
0.67% |
0.55% |
1.00% |
1.35% |
3.19% |
3.69% |
1.69% |
1.85% |
|
|
|
1.23% |
1.23% |
<-Median-> |
10 |
Dividends |
|
|
|
|
|
|
|
|
|
|
| Yield on Cl Pr. |
1.10% |
1.33% |
0.90% |
0.83% |
0.36% |
0.38% |
0.50% |
0.78% |
1.05% |
2.53% |
1.39% |
1.27% |
1.55% |
1.52% |
1.52% |
|
0.87% |
0.94% |
<-Median-> |
10 |
Dividends |
|
|
|
|
|
|
|
|
|
|
| Payout Ratio |
8.7% |
11.8% |
11.0% |
10.1% |
7.0% |
9.5% |
9.9% |
13.8% |
17.0% |
16.0% |
14.0% |
12.7% |
13.8% |
12.6% |
11.1% |
|
11.84% |
13.24% |
<-Median-> |
10 |
DPR EPS |
|
|
|
|
|
|
|
|
|
|
| Payout Ratio CF |
6.1% |
6.3% |
6.4% |
5.3% |
3.6% |
5.5% |
8.9% |
13.4% |
13.4% |
15.0% |
18.4% |
13.9% |
#DIV/0! |
|
|
|
11.14% |
#DIV/0! |
<-Median-> |
9 |
DPR CF |
|
|
|
|
|
|
|
|
|
|
| Payout Ratio CF NC |
6.1% |
6.3% |
6.4% |
5.3% |
3.6% |
5.5% |
8.9% |
13.4% |
13.4% |
15.0% |
18.4% |
13.9% |
#DIV/0! |
|
|
|
11.14% |
#DIV/0! |
<-Median-> |
9 |
DPR CF NC |
|
|
|
|
|
|
|
|
|
|
| Median Values |
|
Div Yd |
3.05% |
5 |
6.14% |
10 |
|
Yield |
1.51% |
1.39% |
Payout |
13.98% |
#DIV/0! |
|
|
|
32.36% |
31.28% |
<-IRR #YR-> |
10 |
Dividends |
|
|
|
|
|
|
|
|
|
|
| * Dividends per
share |
|
|
15.0% |
Years |
15.0% |
Years |
|
Curr diff |
0.24% |
Last Div Inc ---> |
$0.18 |
$0.20 |
11.1% |
|
|
31.17% |
23.00% |
<-IRR #YR-> |
5 |
Dividends |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$0.05 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.76 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$0.27 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.76 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| H/LYield held 5 yrs |
|
|
|
|
3.81% |
6.11% |
7.31% |
6.88% |
6.80% |
4.21% |
2.30% |
1.85% |
2.21% |
2.14% |
2.84% |
|
5.16% |
<-Median-> |
|
8 |
Dividends |
|
|
|
|
|
|
|
|
|
|
| H/LYield held 10 yrs |
|
|
|
|
|
|
|
|
|
31.75% |
29.55% |
28.39% |
19.36% |
12.36% |
6.74% |
|
29.55% |
<-Median-> |
|
3 |
Dividends |
|
|
|
|
|
|
|
|
|
|
| H/LYield held 15 yrs |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
50.79% |
|
#NUM! |
<-Median-> |
|
0 |
Dividends |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Graham No. |
$2.83 |
$3.57 |
$4.56 |
$6.15 |
$8.36 |
$11.67 |
$15.78 |
$18.86 |
$24.23 |
$29.75 |
$39.85 |
$50.07 |
$51.15 |
$54.91 |
$58.55 |
|
1300.92% |
<-Total Growth |
10 |
Graham Price |
|
|
|
|
|
|
|
|
|
|
| Prem /Disc.Med H/L |
-30.70% |
-34.94% |
-13.89% |
5.22% |
41.96% |
115.76% |
125.77% |
82.30% |
53.91% |
-5.21% |
-26.44% |
-9.25% |
-1.87% |
|
|
|
23.59% |
<-Median-> |
|
10 |
Graham Price |
|
|
|
|
|
|
|
|
|
|
| Prem /Disc. High |
-19.67% |
-16.06% |
8.05% |
21.88% |
98.83% |
177.25% |
155.11% |
121.42% |
73.30% |
36.97% |
7.71% |
3.60% |
16.14% |
|
|
|
55.14% |
<-Median-> |
|
10 |
Graham Price |
|
|
|
|
|
|
|
|
|
|
| Prem /Disc. Low |
-41.74% |
-53.83% |
-35.83% |
-11.44% |
-14.91% |
54.27% |
96.43% |
43.19% |
34.52% |
-47.40% |
-60.60% |
-22.10% |
-19.89% |
|
|
|
-13.17% |
<-Median-> |
|
10 |
Graham Price |
|
|
|
|
|
|
|
|
|
|
| Prem /Disc. Cl |
-27.61% |
-16.06% |
21.22% |
17.82% |
98.83% |
174.17% |
113.41% |
82.44% |
72.89% |
-33.45% |
5.03% |
3.44% |
-4.01% |
-4.01% |
-9.98% |
|
47.05% |
<-Median-> |
|
10 |
Graham Price |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price Cl |
$2.05 |
$3.00 |
$5.53 |
$7.25 |
$16.63 |
$31.99 |
$33.68 |
$34.40 |
$41.90 |
$19.80 |
$41.85 |
$51.79 |
$49.10 |
$52.71 |
$52.71 |
|
1626.33% |
788.69% |
<-Total Growth |
10 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| Increase |
18.84% |
46.34% |
84.17% |
31.22% |
129.31% |
92.42% |
5.28% |
2.14% |
21.80% |
-52.74% |
111.36% |
23.75% |
-5.19% |
7.35% |
0.00% |
|
32.96% |
24.42% |
<-IRR #YR-> |
10 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| P/E |
7.88 |
8.82 |
12.14 |
12.18 |
19.33 |
25.39 |
19.58 |
17.64 |
16.18 |
6.33 |
10.08 |
9.96 |
8.91 |
8.30 |
7.30 |
|
8.99% |
7.38% |
<-IRR #YR-> |
5 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| Trailing P/E |
10.51 |
11.54 |
16.25 |
15.93 |
27.94 |
37.20 |
26.73 |
20.00 |
21.49 |
7.64 |
13.37 |
12.48 |
9.44 |
9.57 |
8.30 |
|
34.81% |
26.24% |
<-IRR #YR-> |
10 |
Price & Div |
|
|
|
|
|
|
|
|
|
|
| Median 10, 5 Yrs |
|
D. per yr |
1.82% |
1.46% |
% Tot Ret |
6.94% |
16.51% |
|
Price Inc |
21.80% |
P/E: |
14.18 |
9.96 |
|
|
|
10.18% |
8.83% |
<-IRR #YR-> |
5 |
Price & Div |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$5.53 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$49.10 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$34.40 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$49.10 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$5.53 |
$0.06 |
$0.06 |
$0.12 |
$0.17 |
$0.27 |
$0.44 |
$0.50 |
$0.58 |
$0.66 |
$49.86 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$34.40 |
$0.44 |
$0.50 |
$0.58 |
$0.66 |
$49.86 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price H/L Median |
$1.96 |
$2.33 |
$3.93 |
$6.48 |
$11.87 |
$25.18 |
$35.63 |
$34.38 |
$37.30 |
$28.20 |
$29.31 |
$45.44 |
$50.20 |
|
|
|
1854.19% |
1178.85% |
<-Total Growth |
10 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| Increase |
24.60% |
18.47% |
68.82% |
64.97% |
83.32% |
112.09% |
41.53% |
-3.52% |
8.51% |
-24.40% |
3.94% |
55.02% |
10.48% |
|
|
|
34.62% |
29.03% |
<-IRR #YR-> |
10 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| P/E |
7.55 |
6.84 |
8.63 |
10.88 |
13.80 |
19.98 |
20.72 |
17.63 |
14.40 |
9.01 |
7.06 |
8.74 |
9.11 |
|
|
|
4.98% |
7.87% |
<-IRR #YR-> |
5 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| Trailing P/E |
10.06 |
8.94 |
11.54 |
14.23 |
19.95 |
29.27 |
28.28 |
19.99 |
19.13 |
10.89 |
9.36 |
10.95 |
9.65 |
|
|
|
36.87% |
31.17% |
<-IRR #YR-> |
10 |
Price & Div |
|
|
|
|
|
|
|
|
|
|
| Median 10, 5 Yrs |
|
D. per yr |
2.14% |
1.45% |
% Tot Ret |
6.87% |
15.53% |
|
Price Inc |
8.51% |
P/E: |
12.34 |
9.01 |
|
|
|
6.21% |
9.31% |
<-IRR #YR-> |
5 |
Price & Div |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$3.93 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$50.20 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$34.38 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$50.20 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$3.93 |
$0.06 |
$0.06 |
$0.12 |
$0.17 |
$0.27 |
$0.44 |
$0.50 |
$0.58 |
$0.66 |
$50.96 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$34.38 |
$0.44 |
$0.50 |
$0.58 |
$0.66 |
$50.96 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Hi Mths |
Aug |
Dec |
Aug |
May |
Dec |
Dec |
Aug |
Feb |
Oct |
May |
Nov |
Dec |
Mar |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price Hi |
$2.28 |
$3.00 |
$4.93 |
$7.50 |
$16.63 |
$32.35 |
$40.26 |
$41.75 |
$42.00 |
$40.75 |
$42.92 |
$51.87 |
$59.41 |
|
|
|
1629.00% |
1106.29% |
<-Total Growth |
10 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| Increase |
10.98% |
31.87% |
64.17% |
52.28% |
121.67% |
94.59% |
24.45% |
3.70% |
0.60% |
-2.98% |
5.33% |
20.85% |
14.54% |
|
|
|
32.98% |
28.28% |
<-IRR #YR-> |
10 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| P/E |
8.75 |
8.82 |
10.82 |
12.61 |
19.33 |
25.67 |
23.41 |
21.41 |
16.22 |
13.02 |
10.34 |
9.98 |
10.78 |
|
|
|
5.20% |
7.31% |
<-IRR #YR-> |
5 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| Trailing P/E |
11.67 |
11.54 |
14.49 |
16.48 |
27.94 |
37.62 |
31.95 |
24.27 |
21.54 |
15.73 |
13.71 |
12.50 |
11.43 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Median 10, 5 Yrs |
|
|
|
|
|
|
|
|
Price Inc |
5.33% |
P/E: |
14.62 |
10.78 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$4.93 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$59.41 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$41.75 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$59.41 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Low Mths |
Jan |
Feb |
Jan |
Jan |
Mar |
Jan |
Jan |
Nov |
Jan |
Nov |
Feb |
Jan |
Oct |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Price Low |
$1.65 |
$1.65 |
$2.93 |
$5.45 |
$7.12 |
$18.00 |
$31.00 |
$27.00 |
$32.60 |
$15.65 |
$15.70 |
$39.00 |
$40.98 |
|
|
|
2263.64% |
1301.03% |
<-Total Growth |
10 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| Increase |
50.00% |
0.00% |
77.27% |
86.32% |
30.55% |
152.99% |
72.22% |
-12.90% |
20.74% |
-51.99% |
0.32% |
148.41% |
5.08% |
|
|
|
37.20% |
30.21% |
<-IRR #YR-> |
10 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| P/E |
6.35 |
4.85 |
6.43 |
9.16 |
8.27 |
14.29 |
18.02 |
13.85 |
12.59 |
5.00 |
3.78 |
7.50 |
7.44 |
|
|
|
4.70% |
8.70% |
<-IRR #YR-> |
5 |
Stock Price |
|
|
|
|
|
|
|
|
|
|
| Trailing P/E |
8.46 |
6.35 |
8.60 |
11.98 |
11.96 |
20.93 |
24.60 |
15.70 |
16.72 |
6.04 |
5.02 |
9.40 |
7.88 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Median 10, 5 Yrs |
|
|
|
|
|
|
|
|
Price Inc |
5.08% |
P/E: |
8.72 |
7.44 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$2.93 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$40.98 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$27.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$40.98 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Market Cap |
$60 |
$89 |
$205 |
$242 |
$558 |
$1,081 |
$1,146 |
$1,175 |
$1,447 |
$682 |
$1,453 |
$1,794 |
$1,701 |
$1,826 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Pre Split '04 |
14.754 |
14.824 |
18.530 |
16.720 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| # of Sh in M |
29.507 |
29.649 |
37.059 |
33.439 |
33.534 |
33.777 |
34.012 |
34.166 |
34.532 |
34.434 |
34.713 |
34.646 |
34.646 |
34.646 |
|
|
Capital Stock |
|
|
Shares |
|
|
|
|
|
|
|
|
|
|
| Increase |
-0.20% |
0.48% |
24.99% |
-9.77% |
0.28% |
0.72% |
0.70% |
0.45% |
1.07% |
-0.29% |
0.81% |
-0.19% |
0.00% |
|
|
|
0.57% |
<-Median-> |
|
10 |
Shares |
|
|
|
|
|
|
|
|
|
|
| CF fr Op $M |
$10.9 |
$18.8 |
$28.8 |
$37.6 |
$55.3 |
$73.9 |
$64.8 |
$68.9 |
$113.8 |
$114.9 |
$109.6 |
$164.8 |
|
|
|
|
776.60% |
<-Total Growth |
10 |
Cash Flow |
|
|
|
|
|
|
|
|
|
|
| OPS |
$0.37 |
$0.63 |
$0.78 |
$1.12 |
$1.65 |
$2.19 |
$1.91 |
$2.02 |
$3.29 |
$3.34 |
$3.16 |
$4.76 |
|
|
|
|
650.16% |
<-Total Growth |
10 |
Cash Flow |
|
|
|
|
|
|
|
|
|
|
| Increase |
9.49% |
71.90% |
22.78% |
44.31% |
46.82% |
32.67% |
-12.86% |
5.77% |
63.38% |
1.29% |
-5.43% |
50.70% |
|
|
|
|
22.33% |
<-IRR #YR-> |
|
10 |
Cash Flow |
|
|
|
|
|
|
|
|
|
|
| Less Non-Cash CF |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
$0.0 |
|
|
|
|
20.06% |
<-IRR #YR-> |
|
5 |
Cash Flow |
|
|
|
|
|
|
|
|
|
|
| OPS non-cash |
$0.37 |
$0.63 |
$0.78 |
$1.12 |
$1.65 |
$2.19 |
$1.91 |
$2.02 |
$3.29 |
$3.34 |
$3.16 |
$4.76 |
|
|
|
|
22.33% |
<-IRR #YR-> |
|
10 |
CF - non cash |
|
|
|
|
|
|
|
|
|
|
| P/O on Cl |
5.56 |
4.73 |
7.10 |
6.45 |
10.08 |
14.62 |
17.67 |
17.06 |
12.72 |
5.93 |
13.26 |
10.89 |
|
|
|
|
20.06% |
<-IRR #YR-> |
|
5 |
CF - non cash |
|
|
|
|
|
|
|
|
|
|
| *Operational
Cash Flow per share |
|
|
|
|
|
P/CF |
10 Yrs |
11.58 |
5 Yrs |
11.97 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$0.63 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$4.76 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$1.91 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$4.76 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$0.63 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$4.76 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$1.91 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$4.76 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| OPM |
20.5% |
26.6% |
31.5% |
33.4% |
38.2% |
39.6% |
26.7% |
23.6% |
30.8% |
25.3% |
22.4% |
30.9% |
|
|
|
|
should be zero, it is a check
on calculations |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Diff from Ave |
-33.5% |
-13.7% |
2.0% |
8.2% |
24.0% |
28.3% |
-13.5% |
-23.6% |
0.0% |
-18.1% |
-27.4% |
0.0% |
|
|
|
|
0.00 |
<-Median-> |
|
10 |
OPM |
|
|
|
|
|
|
|
|
|
|
| *Operational
Profit Margin (CF/Revenue) Ratio |
|
|
|
|
OPM |
10 Yrs |
30.85% |
5 Yrs |
25.27% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q3 2011 |
|
|
|
From G&M |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Curr Assets |
|
|
|
|
|
|
|
$163 |
$380 |
$582 |
$938 |
$873 |
$418 |
|
|
|
Liq ratio of 1.5 and up, best |
|
Assets |
|
|
|
|
|
|
|
|
|
|
| Curr Liab. |
|
|
|
|
|
|
|
$118 |
$191 |
$222 |
$267 |
$311 |
$10 |
|
|
|
2.71 |
<-Median-> |
6 |
Liabilities |
|
|
|
|
|
|
|
|
|
|
| Liquidity |
|
|
|
|
|
|
|
1.37 |
1.99 |
2.62 |
3.52 |
2.81 |
40.12 |
|
|
|
2.81 |
<-Median-> |
5 |
Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
They are a financial institution and ratio
tend to be lower. |
|
|
|
|
|
|
|
|
|
|
| Assets |
$738 |
$882 |
$1,136 |
$1,394 |
$1,897 |
$2,569 |
$3,285 |
$3,902 |
$4,973 |
$5,810 |
$7,361 |
$7,712 |
$17,072 |
|
|
|
A/L ratio of 1.5 and up, best |
|
|
Assets |
|
|
|
|
|
|
|
|
|
|
| Liab. |
$698 |
$832 |
$1,061 |
$1,300 |
$1,776 |
$2,406 |
$3,066 |
$3,625 |
$4,625 |
$5,377 |
$6,771 |
$6,970 |
$16,341 |
|
|
|
1.07 |
<-Median-> |
|
10 |
Liabilities |
|
|
|
|
|
|
|
|
|
|
| Liquidity |
1.06 |
1.06 |
1.07 |
1.07 |
1.07 |
1.07 |
1.07 |
1.08 |
1.08 |
1.08 |
1.09 |
1.11 |
1.04 |
|
|
|
1.08 |
<-Median-> |
|
5 |
Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Book Value |
$40.45 |
$49.50 |
$75.20 |
$94.59 |
$121.17 |
$162.21 |
$218.89 |
$276.87 |
$348.04 |
$432.75 |
$590.29 |
$742.28 |
$731.22 |
$731.22 |
|
|
1399.51% |
<-Total Growth |
10 |
Book Value |
|
|
|
|
|
|
|
|
|
|
| BV per share |
$1.37 |
$1.67 |
$2.03 |
$2.83 |
$3.61 |
$4.80 |
$6.44 |
$8.10 |
$10.08 |
$12.57 |
$17.00 |
$21.42 |
$21.11 |
$21.11 |
$21.11 |
|
1183.23% |
<-Total Growth |
10 |
Book Value |
|
|
|
|
|
|
|
|
|
|
| Change |
20.57% |
21.78% |
21.54% |
39.39% |
27.74% |
32.91% |
34.01% |
25.92% |
24.37% |
24.70% |
35.31% |
25.99% |
-1.49% |
|
|
|
0.6763 |
Current/Historical |
|
Book Value |
|
|
|
|
|
|
|
|
|
|
| P/BV (CL) |
1.50 |
1.80 |
2.72 |
2.56 |
4.60 |
6.66 |
5.23 |
4.25 |
4.16 |
1.58 |
2.46 |
2.42 |
2.33 |
|
|
|
29.07% |
<-IRR #YR-> |
|
10 |
Book Value |
|
|
|
|
|
|
|
|
|
|
| Change |
-1.44% |
20.16% |
51.53% |
-5.86% |
79.52% |
44.78% |
-21.44% |
-18.89% |
-2.07% |
-62.10% |
56.21% |
-1.78% |
-3.76% |
|
|
|
27.19% |
<-IRR #YR-> |
|
5 |
Book Value |
|
|
|
|
|
|
|
|
|
|
| Leverage (A/BK) |
18.25 |
17.82 |
15.11 |
14.74 |
15.66 |
15.83 |
15.01 |
14.09 |
14.29 |
13.43 |
12.47 |
10.39 |
23.35 |
|
|
|
14.52 |
<-Median-> |
|
10 |
A/BV |
|
|
|
|
|
|
|
|
|
|
| Debt/Equity Ratio |
17.25 |
16.82 |
14.11 |
13.74 |
14.66 |
14.83 |
14.01 |
13.09 |
13.29 |
12.43 |
11.47 |
9.39 |
22.35 |
|
|
|
13.52 |
<-Median-> |
|
10 |
Debt/Eq Ratio |
|
|
|
|
|
|
|
|
|
| Sharerholders
Equity (Assets less liabilities) |
|
|
|
|
|
P/BV |
10 yr Med |
3.44 |
5 yr Med |
2.46 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$1.67 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$21.42 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-$6.44 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$21.42 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| ROE |
|
|
|
|
|
|
0.0% |
0.0% |
0.0% |
0.0% |
30.0% |
24.0% |
|
|
|
|
0.00% |
<-Median-> |
|
5 |
Compreh. Inc |
|
|
|
|
|
|
|
|
|
|
| Comprehensive Inc |
|
|
|
|
|
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$176.81 |
$178.41 |
|
|
|
|
|
|
|
|
Compreh. Inc |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| ROE |
20.0% |
21.1% |
19.8% |
21.8% |
24.4% |
27.5% |
27.8% |
24.3% |
25.9% |
25.1% |
24.5% |
24.4% |
26.0% |
|
|
|
Net Income/Shareholders'
equity |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| 5Yr Running Ave |
13.2% |
17.0% |
19.0% |
20.5% |
21.9% |
23.9% |
25.4% |
25.5% |
25.9% |
25.8% |
25.3% |
24.7% |
25.1% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Net Income |
$8.08 |
$10.45 |
$14.86 |
$20.59 |
$29.51 |
$44.55 |
$60.86 |
$67.19 |
$90.24 |
$108.69 |
$144.49 |
$180.94 |
$189.86 |
|
|
|
1631.25% |
<-Total Growth |
10 |
Net Income |
|
|
|
|
|
|
|
|
|
|
| Oper C. F. |
$10.88 |
$18.80 |
$28.85 |
$37.56 |
$55.30 |
$73.90 |
$64.85 |
$68.90 |
$113.77 |
$114.91 |
$109.55 |
$164.77 |
|
|
|
|
|
C F Statement |
|
|
Oper C. F. |
|
|
|
|
|
|
|
|
|
|
| Invest. C. F |
-$193.89 |
-$141.79 |
-$213.07 |
-$252.69 |
-$489.39 |
-$687.03 |
-$573.57 |
-$619.97 |
-$860.69 |
-$583.57 |
-$1,039.4 |
-$362.0 |
|
|
|
|
|
C F Statement |
|
|
Invest. C. F |
|
|
|
|
|
|
|
|
|
|
| Total Accruals |
$191.09 |
$133.44 |
$199.09 |
$235.72 |
$463.59 |
$657.67 |
$569.59 |
$618.25 |
$837.16 |
$577.34 |
$1,074.4 |
$378.2 |
|
|
|
|
|
|
|
|
Accruals |
|
|
|
|
|
|
|
|
|
|
| Total Assets |
$738.14 |
$881.92 |
$1,136.22 |
$1,394.29 |
$1,897.18 |
$2,568.5 |
$3,284.8 |
$3,902.3 |
$4,973.3 |
$5,809.7 |
$7,360.8 |
$7,712.2 |
|
|
|
|
|
Balance Sheet |
|
|
Assets |
|
|
|
|
|
|
|
|
|
|
| Accruals Ratio |
25.89% |
15.13% |
17.52% |
16.91% |
24.44% |
25.61% |
17.34% |
15.84% |
16.83% |
9.94% |
14.60% |
4.90% |
|
|
|
|
|
|
|
|
Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Invest. C. F |
$168.16 |
$123.98 |
$210.98 |
$220.66 |
$445.40 |
$596.77 |
$629.37 |
$523.20 |
$957.72 |
$668.74 |
$1,287.64 |
$85.75 |
|
|
|
|
C F Statement |
|
Fin. C. F |
|
|
|
|
|
|
|
|
|
|
| Total Accruals |
$22.93 |
$9.46 |
-$11.90 |
$15.06 |
$18.19 |
$60.90 |
-$59.78 |
$95.06 |
-$120.56 |
-$91.40 |
-$213.25 |
$292.44 |
|
|
|
|
|
|
|
Accruals |
|
|
|
|
|
|
|
|
|
|
| Accruals Ratio |
3.11% |
1.07% |
-1.05% |
1.08% |
0.96% |
2.37% |
-1.82% |
2.44% |
-2.42% |
-1.57% |
-2.90% |
3.79% |
|
|
|
|
|
|
|
Ratio |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Jan 22,
2012. Last estimates I got were for
2010 and 2011 at $4.90 and $5.40 for EPS. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Nov 11, 2010.
When I last looked I got 2009 and 2010 earnings of $3.85 and $4.36. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| 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 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| 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 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| the new figures. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| How they make
their money. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Home Capital
Group Inc. operates through one subsidiary, Home Trust Company, to provide
mortgage lending, deposit, retail credit and credit card issuing
services. They have subprime
mortgages. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Its stock is
widely held. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| 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. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Also, for
the Operational Profit Margin, a higher percentage is better. With the OPM, you should only compare
companies in similar industries. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Copyright ©
2008 Website of SPBrunner. All rights reserved. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Soloway,
Gerald M.: CEO |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1.939 |
$102,218,131 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Institutions |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
9.440 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
0.126 |
1.32% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
9.566 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|