| Company Name: | Advance America Cash Advance Centers, Incorporated | | Ticker Symbol: | AEA | | | WWW Address: | www.advanceamerica.net | | CEO: | Kenneth E. Compton | | No. of Employees: | 6,700 | | Common Issue Type: | CS | | Business Description: | The Company is a provider of cash advance services in the United States.
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| | | Industry Information: | FINANCIAL SERVICES - Credit Services [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 6.24 |  0.0525 | 6.0 | 6.8 | 6.17 | 6.29 | 6.15 | 198999 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 384.5 | 61.6 | 3.20 | 0.60 | 0.44 | 9.5 | 4.0 | 6.35 - 0.80 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 6.24 | $ | | PE Ratio - LTM | 9.5 | |
| Market Capitalisation | 384.5 | mil |
| Latest Shares Outstanding | 61.6 | mil |
| Earnings pS (EPS) | 0.60 | $ |
| Dividend pS (DPS) | 0.44 | ¢ |
| Dividend Yield | 4.0 | % |
| Dividend Payout Ratio | 73 | % |
| Revenue per Employee | 100,980 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 43.8 | mil |
| Float as % of Shares Outstanding | 71.0 | % |
| 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 | 12.2 | % |
| Pre-Tax Profit Margin | 10.7 | % |
| Assets Turnover | 1.5 | % |
| Return on Assets (ROA) | 9.5 | % |
| Return on Equity (ROE) | 20.5 | % |
| Return on Capital Invested (ROCI) | 11.5 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 2.2 | |
| Interest Cover | 10.0 | |
| Total Debt/Equity (Gearing Ratio) | 0.78 | |
| LT Debt/Total Capital | 44.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 3.19 | $ |
| Tangible Book-Value pS | 1.12 | $ |
| Cash Flow pS | 0.65 | $ |
| Free Cash Flow pS | 2.65 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.96 | |
| Price/Tangible Book Ratio | 5.55 | |
| Price/Cash Flow | 9.5 | |
| Price/Free Cash Flow | 2.4 | |
| 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 | | Dividend Declared Date | 10/28/2009 |
| Dividend Ex-Date | 11/19/2009 |
| Dividend Record Date | 11/23/2009 |
| Dividend Pay Date | 12/03/2009 |
| Dividend Amount | 62 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.25 |
| Current Dividend Yield | 4.0 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 73.0 |
| 5-Y Average Payout Ratio | 49.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 4.7 | 105 | 3,502 | 16,632 |
| 4 Weeks | 6.35 | 4.56 | 5.07 | 23.1 | 122 | 3,807 | 76,141 |
| 13 Weeks | 6.35 | 4.56 | 5.90 | 5.8 | 99 | 3,051 | 195,256 |
| 26 Weeks | 6.35 | 3.48 | 3.94 | 58.4 | 129 | 3,361 | 426,845 |
| 52 Weeks | 6.35 | 0.80 | 1.50 | 316.0 | 305 | 2,856 | 716,937 |
| YTD | 6.35 | 0.80 | - | 230.2 | 273 | 3,003 | 675,764 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 6.20 | 6.07 | 5.70 | 5.13 | 4.26 | 3.20 | 3.48 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 3.75 | 53.8 | -0.67 |
| Income | -11.73 | 76.2 | -9.39 |
| Dividend | 0.00 | 0.0 | -18.21 |
| Capital Spending | -12.07 | NA | -15.03 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -11.91 | NA | -8.52 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -5.4 | -3.4 | -4.3 |
| Earnings % | 5.6 | 48.8 | -29.3 |
| EPS % | 12.0 | 42.9 | -14.3 |
| EPS $ | 0.06 | 0.06 | -0.10 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 220.70 |
| Free Cash Flow Margin 5YEAR AVG | 164.06 |
| Cash-Flow pS | 2.90 |
| Free Cash-Flow pS | 2.42 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 2.61 |
| Debt Ratio | 61.69 |
| Total Debt/Equity (Gearing Ratio) | 1.14 |
| LT Debt/Equity | 1.14 |
| LT Debt/Capital Invested | 53.17 |
| LT Debt/Total Liabilities | 70.50 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 10.65 |
| Tobin's Q Ratio | 0.84 |
| Current P/E Ratio - LTM | 9.50 |
| Enterprise Value (EV)/EBITDA | 0.05 |
| Enterprise Value (EV)/Free Cash Flow | 1.64 |
| Dividend Yield | 4.0 |
| Price/Tangible Book Ratio - LTM | 5.55 |
| Price/Book Ratio - LTM | 1.96 |
| Price/Cash Flow Ratio | 9.5 |
| Price/Free Cash Flow Ratio - LTM | 2.4 |
| P/E Ratio (1 month ago) - LTM | 8.0 |
| P/E Ratio (26 weeks ago) - LTM | 6.3 |
| P/E Ratio (52 weeks ago) - LTM | 2.3 |
| 5-Y High P/E Ratio | 31.5 |
| 5-Y Low P/E Ratio | 1.9 |
| 5-Y Average P/E Ratio | 14.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 68 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 9.1 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 1.12 |
| Book Value pS - LTM | 3.19 |
| Capital Invested pS | 5.93 |
| Cash Flow pS - LTM | 0.65 |
| Free Cash Flow pS - LTM | 2.65 |
| Earnings pS (EPS) | 0.60 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 22.46 |
| Return on Equity (ROE) - 5YEAR AVRG. | 23.4 |
| Return on Capital Invested (ROCI) | 10.52 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 16.6 |
| Return on Assets (ROA) | 8.61 |
| Return on Assets (ROA) - 5YEAR AVRG. | 13.6 |
| EBIT Margin - LTM | 11.9 |
| EBITDA Margin - LTM | 12.2 |
| Pre-Tax Profit Margin | -651.09 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | -1,346.12 |
| Net Profit Margin | -347.84 |
| Net Profit Margin - 5YEAR AVRG. | -797.92 |
| Effective Tax Rate | 46.58 |
| Effective Tax Rate - 5YEAR AVRG. | 36.20 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 96,974 |
| Net Income per Employee - LTM | 6,016 |
| Assets/Revenue - LTM | 66.67 |
| Assets/Revenue - 5YEAR AVRG. | -5,940.42 |
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