| Company Name: | Accredited Home Lenders Holding Company | | Ticker Symbol: | LEND | | | WWW Address: | www.accredhome.com | | CEO: | James A. Konrath | | No. of Employees: | 2,700 | | Common Issue Type: | CS | | Business Description: | A mortgage company operating throughout the United States and Canada originates, finances, securitizes, services, and sells non-prime mortgage loans secured by residential real estate.
|
| | | Industry Information: | REAL ESTATE - Mortgage Investment [more like this] |
|
| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | |  | - | - | 0 | 11.83 | 11.73 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 295.8 | 25.2 | 2.92 | -9.09 | 0.00 | 0.0 | 0.0 | 32.97 - 3.77 |
|
| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 11.76 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 295.8 | mil |
| Latest Shares Outstanding | 25.2 | mil |
| Earnings pS (EPS) | -9.09 | $ |
| Dividend pS (DPS) | 0.00 | ¢ |
| Dividend Yield | 0.0 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 397,116 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 20.6 | mil |
| Float as % of Shares Outstanding | 81.7 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 23.8 | % |
| Pre-Tax Profit Margin | -45.9 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | -5.6 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -6.1 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 32.0 | |
| Interest Cover | 0.3 | |
| Total Debt/Equity (Gearing Ratio) | 29.88 | |
| LT Debt/Total Capital | 97.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 11.22 | $ |
| Tangible Book-Value pS | 11.22 | $ |
| Cash Flow pS | -19.94 | $ |
| Free Cash Flow pS | -7.50 | $ |
 |
| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.05 | |
| Price/Tangible Book Ratio | 1.05 | |
| Price/Cash Flow | -0.6 | |
| Price/Free Cash Flow | -1.6 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | - |
| Dividend Rate | 0.00 |
| Current Dividend Yield | 0.0 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 0.0 |
| |
| |
| |
| |
| |
|  | | Share price performance previous 3 years |
|
 | | | Share price performance intraday |
|
 | |
| |
| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.0 | 101 | 4,288 | 0 |
| 4 Weeks | 11.83 | 11.62 | 11.63 | 1.1 | 100 | 6,563 | 105,001 |
| 13 Weeks | 13.52 | 3.90 | 13.22 | -11.0 | 88 | 34,831 | 2,089,851 |
| 26 Weeks | 15.44 | 3.90 | 10.94 | 7.5 | 103 | 26,575 | 3,268,669 |
| 52 Weeks | 32.97 | 3.77 | 30.38 | -61.3 | 34 | 33,643 | 8,276,158 |
| YTD | 29.87 | 3.77 | - | -57.0 | 39 | 40,100 | 7,939,706 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 11.77 | 11.74 | 9.27 | 11.19 | 14.39 | 2.92 | 3.36 |
|
| |
| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 50.76 | 89.7 | 24.39 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 67.72 | NA | 35.42 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -89.8 | -89.8 | 13.9 |
| Earnings % | -100.0 | -100.0 | -100.0 |
| EPS % | -100.0 | -100.0 | -100.0 |
| EPS $ | -11.90 | -11.90 | -16.16 |
|
| |
| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | -199.02 |
| Free Cash Flow Margin 5YEAR AVG | -459.55 |
| Cash-Flow pS | -91.59 |
| Free Cash-Flow pS | -85.27 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 20.41 |
| Debt Ratio | 95.10 |
| Total Debt/Equity (Gearing Ratio) | 18.75 |
| LT Debt/Equity | 13.74 |
| LT Debt/Capital Invested | 93.22 |
| LT Debt/Total Liabilities | 70.81 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.03 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | 0.14 |
| Enterprise Value (EV)/Free Cash Flow | -2.23 |
| Dividend Yield | 0.0 |
| Price/Tangible Book Ratio - LTM | 1.05 |
| Price/Book Ratio - LTM | 1.05 |
| Price/Cash Flow Ratio | -0.6 |
| Price/Free Cash Flow Ratio - LTM | -1.6 |
| P/E Ratio (1 month ago) - LTM | 0.0 |
| P/E Ratio (26 weeks ago) - LTM | 1.8 |
| P/E Ratio (52 weeks ago) - LTM | 4.2 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 11.22 |
| Book Value pS - LTM | 11.22 |
| Capital Invested pS | 325.95 |
| Cash Flow pS - LTM | -19.94 |
| Free Cash Flow pS - LTM | -7.50 |
| Earnings pS (EPS) | -9.09 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | -36.98 |
| Return on Equity (ROE) - 5YEAR AVRG. | 12.0 |
| Return on Capital Invested (ROCI) | -2.51 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 0.7 |
| Return on Assets (ROA) | -1.81 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.6 |
| EBIT Margin - LTM | 23.8 |
| EBITDA Margin - LTM | 23.8 |
| Pre-Tax Profit Margin | -6.53 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 23.46 |
| Net Profit Margin | -19.18 |
| Net Profit Margin - 5YEAR AVRG. | 10.89 |
| Effective Tax Rate | -179.44 |
| Effective Tax Rate - 5YEAR AVRG. | -4.51 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 307,215 |
| Net Income per Employee - LTM | -185,792 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 964.43 |
|
|  
|