Glossary

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• 1-day Performance
• 1-month Performance
• 1-week Performance
• 1-year Accounts Receivable Growth Rate
• 1-year Book Value per Share Growth Rate
• 1-year Dividends per Share Growth Rate
• 1-year EBITDA per Share Growth Rate
• 1-year EPS Growth Rate
• 1-year EPS Growth Rate Without NRI
• 1-year Free Cash Flow Growth Rate
• 1-year Free Cash Flow per Share Growth Rate
• 1-year Net Income Growth Rate
• 1-year Operating Cash Flow Growth Rate
• 1-year Operating Cash Flow per Share Growth Rate
• 1-year Operating Income Growth Rate
• 1-year Operating Income per Share Growth Rate
• 1-year Performance
• 1-year Revenue Growth Rate
• 1-year Revenue per Share Growth Rate
• 1-year Share Buyback Ratio
• 1-year Tangible Book Value per Share Growth Rate
• 10-year Accounts Receivable Growth Rate
• 10-year Book Value per Share Growth Rate
• 10-year Dividends per Share Growth Rate
• 10-year EBITDA Growth Rate
• 10-year EBITDA per Share Growth Rate
• 10-year EPS Growth Rate
• 10-year EPS Growth Rate Without NRI
• 10-year Free Cash Flow Growth Rate
• 10-year Free Cash Flow per Share Growth Rate
• 10-year Net Income Growth Rate
• 10-year Operating Cash Flow Growth Rate
• 10-year Operating Cash Flow per Share Growth Rate
• 10-year Operating Income Growth Rate
• 10-year Operating Income per Share Growth Rate
• 10-year Revenue Growth Rate
• 10-year Revenue per Share Growth Rate
• 10-year Share Buyback Ratio
• 10-year Tangible Book Value per Share Growth Rate
• 3-year Accounts Receivable Growth Rate
• 3-year Book Value per Share Growth Rate
• 3-year Dividends per Share Growth Rate
• 3-year EBITDA Growth Rate
• 3-year EBITDA per Share Growth Rate
• 3-year EPS Growth Rate
• 3-year EPS Growth Rate Without NRI
• 3-year Free Cash Flow Growth Rate
• 3-year Free Cash Flow per Share Growth Rate
• 3-year Net Income Growth Rate
• 3-year Operating Cash Flow Growth Rate
• 3-year Operating Cash Flow per Share Growth Rate
• 3-year Operating Income Growth Rate
• 3-year Operating Income per Share Growth Rate
• 3-year Revenue Growth Rate
• 3-year Revenue per Share Growth Rate
• 3-year Share Buyback Ratio
• 3-year Tangible Book Value per Share Growth Rate
• 5-year Accounts Receivable Growth Rate
• 5-year Book Value per Share Growth Rate
• 5-year Dividends per Share Growth Rate
• 5-year EBITDA Growth Rate
• 5-year EBITDA per Share Growth Rate
• 5-year EPS Growth Rate
• 5-year EPS Growth Rate Without NRI
• 5-year est. Average Maintenance Capital Expenditure (CapEx)
• 5-year Free Cash Flow Growth Rate
• 5-year Free Cash Flow per Share Growth Rate
• 5-year Net Income Growth Rate
• 5-year Operating Cash Flow Growth Rate
• 5-year Operating Cash Flow per Share Growth Rate
• 5-year Operating Income Growth Rate
• 5-year Operating Income per Share Growth Rate
• 5-year Revenue Growth Rate
• 5-year Revenue per Share Growth Rate
• 5-year Share Buyback Ratio
• 5-year Tangible Book Value per Share Growth Rate
• 52 Week Range

A

• Accounts Payable (AP)
• Accumulated Depreciation
• Accumulated Goodwill Amortization
• Additional Paid In Capital (APIC)
• Advertising Expense
• Altman's Z Score
• American Depositary Receipt (ADR)
• Amortization of Intangible Assets
• Asset Turnover Ratio

B

• Bad Debt / Doubtful Accounts
• Balance Sheet Filing Date
• Basic Earnings Per Share (EPS)
• Basic EPS Excl. Extraordinary Items
• Beta
• Book Value per Share
• Business Description

C

• CapEx to Operating Income
• CapEx to Operating-Cash-Flow
• CapEx to Revenue
• Capital Expenditure ( Fixed Assets)
• Capital Expenditures (CapEx)
• Capital Expenditures (Fixed Assets)
• Cash & Due from Banks
• Cash & Equivalents
• Cash & Short Term Investments per Share
• Cash Conversion Cycle (CCC)
• Cash Dividends Paid
• Cash Interest Paid
• Cash Ratio
• Cash Taxes Paid
• Cash, Cash Equivalents, and Short Term Investments
• Change in Accounts Payable
• Change in Accounts Receivable
• Change in Capital Stock
• Change in Current Debt
• Change in Deposits
• Change in Income Taxes Payable
• Change in Inventories
• Change in Long-Term Debt
• Change in Net Working Capital
• Change in Other Accruals
• Change in Other Assets/Liabilities
• Change in Other Debt
• Common Dividends
• Common Equity Tier 1 (CET1) Ratio
• Common stock
• Comprehensive Income
• Consolidated Net Income
• Cost of Goods Sold (COGS)
• Cost of Goods Sold (COGS), excluding Depreciation & Amortization
• Current Income Taxes Payable
• Current Portfolio of Leases
• Current Portion of Leases
• Current Portion of Long-Term Debt (CPLTD)
• Current Ratio
• Custody securities
• Customer Liability on Acceptances

D

• Days of Inventory Outstanding (DIO)
• Days of Payables Outstanding (DPO)
• Days of Sales Outstanding (DSO)
• Debt Servicing Ratio (DSR)
• Decrease in Deposits
• Decrease in Loans
• Deferred Charges
• Deferred Income
• Deferred Tax Assets
• Deferred Tax Liabilities
• Deferred Tax Liabilities (Untaxed Reserves)
• Deferred Taxes & Investment Tax Credit
• Deferred Taxes and Investment Tax Credits
• Depreciation
• Depreciation & Amortization Expense
• Depreciation & Amortization Expense (Cash Flow)
• Diluted EPS Excl. Extraordinary Items
• Diluted EPS Incl. Extraordinary Items
• Discounted Cash Flow 20-year (DCF-20) Value
• Discounted Free Cash Flow Terminal (DFCF Terminal) Value
• Discounted Net Income 20-year (DNI-20) Value
• Dividend Ex-Date
• Dividend Pay Date
• Dividend Payout Ratio
• Dividend Record Date
• Dividends Per Share (DPS)

E

• Earnings of Discontinued Operations
• EBIT
• EBIT, or Earnings Before Interest and Taxes
• EBITA
• EBITDA
• EBITDA Margin
• EBITDA per Share
• EBT Excl. Unusual Expenses
• EBT Incl. Unusual Expenses
• Employees
• Enterprise Value
• Enterprise Value to EBIT (EV/EBIT)
• Enterprise Value to EBITDA (EV/EBITDA)
• Enterprise Value to Free Cash Flow (EV/FCF)
• Enterprise Value to Revenue (EV/Revenue)
• Equipment Expense
• Exceptional Provisions
• Exchange Rate Effect
• Extraordinary Items
• Extraordinary Items & Accounting Change

F

• Fed Funds Sold
• Federal Agency Securities
• Federal Funds Sold & Securities Purchased
• Federal Home Loan Advances Increase (Decrease)
• Fiscal Year End
• Fixed Asset Turnover
• Foreign Exchange Gains
• Forward Dividend per Share
• Forward Dividend Yield
• Forward Price to Earnings (PE) Ratio
• Free Cash Flow (FCF)
• Free Cash Flow / Net Income
• Free Cash Flow / Revenue
• Free Cash Flow Per Share
• Free Cash Flow Yield
• Funds From Operations (FFO)

G

• General & Administrative Expense (G&A)
• Goodwill
• Gross Accounts Receivable
• Gross Goodwill
• Gross Loans
• Gross Profit
• Gross Profit Margin

I

• Impairments
• Income Statement Filing Date
• Income Tax Expense
• Income Tax Payable
• Income/(Loss) from Affiliates
• Income/(Loss) from Affiliates (Pretax)
• Increase in Deposits
• Increase in Loans
• Insurance Policy Liabilities
• Insurance Reserves
• Intangible Assets
• Interest Bearing Deposits
• Interest Bearing Foreign Deposits
• Interest capitalized
• Interest Coverage
• Interest Expense
• Interest Expense on Bank Deposits
• Interest Expense on Debt
• Interest Expense on Federal Repos
• Interest income
• Interest income on bank deposits
• Interest Income on Federal Funds
• Interest Income on Federal Repos
• Interest Income on Loans
• Interest Paid on Lease Liabilities (Financing)
• Interest Paid on Lease Liabilities (Operating)
• Interest Receivables
• Inventories
• Inventory Turnover
• Investment in Unconsolidated Subsidiaries
• Investment Income
• Investment Securities
• Investment Tax Credit (ITC)
• Investments
• Issuance of Long-Term Debt

L

• Labor & Related Expense
• Legal Claim Expense
• Leverage Ratio
• Loan Loss Provision
• Loan Loss Reserve
• Long-Term Debt (excl. Lease Obligations)
• Long-Term Insurance Reserves
• Long-Term Investments
• Long-Term Leases
• Losses, Benefits & Adjustments
• Losses, Claims, and Reserves

M

• Market Capitalization
• Mean Price to Book (PB) Ratio
• Mean Price to Book (PB) Value
• Mean Price to Earnings (PE) Ratio
• Mean Price to Earnings (PE) Ratio Without Non-Recurring Items (NRI)
• Mean Price to Earnings (PE) Value (Group)
• Mean Price to Sales (PS) Ratio
• Mean Price to Sales (PS) Value
• Median Price to Book (PB) Ratio
• Median Price to Book (PB) Value
• Median Price to Earnings (PE) Ratio
• Median Price to Earnings (PE) Ratio Without NRI
• Median Price to Earnings (PE) Value
• Median Price to Earnings (PE) Value Without NRI
• Median Price to Sales (PS) Ratio
• Median Price to Sales (PS) Value
• Minority Interest in Earnings
• Miscellaneous Funds
• Mortgage-Backed Securities
• Mortgage, Policy & Other Loans
• Most Recent Quarter Date

N

• Net Accounts Receivable
• Net Asset Value (NAV) per Share
• Net Cash Per Share
• Net Change in Cash
• Net Current Asset Value (NCAV)
• Net Debt
• Net Financing Cash Flow
• Net Income
• Net Income (Cash Flow)
• Net Income Available to Common
• Net Income to Common Excluding Extraordinary Items
• Net Income to Common Excluding Extraordinary Items (NI to Common Excl. Extraordinary Items)
• Net Income to Common Including Extraordinary Items
• Net Interest Income (NII)
• Net Interest Income After Provision
• Net Investing Cash Flow
• Net Issuance/Reduction of Debt
• Net Loans
• Net Profit Margin
• Net Property, Plant & Equipment (Net PP&E)
• Net Rental Expense
• Net Unusual Expense
• Net Working Capital (NWC)
• Next Earnings Date
• Non-Cash Items
• Non-Equity Reserves
• Non-Interest Bearing Deposits
• Non-Interest Bearing Foreign Deposits
• Non-Interest Expense
• Non-Interest Income
• Non-Operating Income/(Expense)
• Non-Operating Interest Income
• Non-Performing Loans
• Non-Performing Loans (NPLs)

O

• Operating Cash Flow
• Operating Cash Flow Margin
• Operating Cash Flow Per Share
• Operating Income
• Operating Income (excl. Securities Gain)
• Operating Income after Interest Expense (Insurance)
• Operating Income Before Interest Expense (Insurance)
• Operating Income Per Share
• Operating Lease Commitments
• Operating Profit Margin
• Operating Provisions
• OracleIQ™
• OracleMoat™
• OracleValue™
• Other After Tax Adjustments
• Other Assets
• Other Assets, including Other Intangibles
• Other Current Assets (OCA)
• Other Current Liabilities
• Other Exceptional Charges
• Other Funds
• Other Insurance Liabilities
• Other Intangible Assets
• Other Interest Expense
• Other Interest or Dividend Income
• Other Investing Fund
• Other Investing Fund Sources
• Other Investing Fund Uses
• Other Investments
• Other Non-Current Liabilities
• Other Non-Current Liabilities (Excluding Deferred Income)
• Other Non-Operating Income/(Expense)
• Other Non-Performing Assets (NPA)
• Other Operating Expense/(Income)
• Other Operating Income
• Other Receivables
• Other Securities
• Other Selling, General & Administrative Expense

P

• Piotroski F-Score
• Policy claims
• Preferred dividends
• Preferred dividends (CF)
• Preferred stock
• Premium Balance Receivables
• Premiums Earned
• Prepaid Expense
• Pretax Profit Margin
• Previous Day Close
• Price to Book (PB) Ratio
• Price to Cash Ratio
• Price to DCF-20 Value
• Price to DFCF Terminal Value
• Price to DNI-20 Value
• Price to Earnings (PE) Ratio
• Price to Earnings (PE) Ratio Without Non-Recurring Items (NRI)
• Price to Earnings Growth (PEG) Ratio
• Price to Earnings Growth (PEG) Ratio Without NRI
• Price to Earnings Growth (PEG) Value
• Price to Earnings Growth (PEG) Value Without NRI
• Price to Free Cash Flow (P/FCF) Ratio
• Price to Mean Earnings (PE) Ratio Without Non-Recurring Items (NRI)
• Price to Median PB Value
• Price to Median PE Value
• Price to Median PE Without NRI Value
• Price to Median PS Value
• Price to Net-Asset Value (PNAV) Ratio
• Price to OracleValue™
• Price to PEG Value (PEG Ratio)
• Price to PEG Without NRI Value
• Price to PSG Value
• Price to Sales (P/S) Ratio
• Price to Sales (PS) Ratio
• Price to Sales Growth (PSG) Ratio
• Price to Sales Growth (PSG) Value
• Price to Tangible Book Value (PTBV) Ratio
• Proceeds From Sale of Stock
• Proceeds from Stock Options
• Projected EPS (Next Year)
• Projected EPS Growth Rate
• Projected Revenue Growth Rate
• Provision for Risks & Charges
• Purchase of Investments
• Purchase/Sale of Investments

Q

• Quick Ratio

R

• Real Estate Assets
• Realized Gain (Losses) on Securities
• Receivables Turnover
• Reduction in Long-Term Debt
• Rental Income
• Repayments of Operating Lease Liabilities
• Repurchase of Common & Preferred Stock
• Research & Development (R&D) Expense
• Restatement Type
• Restructuring Expense
• Retained Earnings
• Return on Assets (ROA)
• Return on Common Equity (ROCE)
• Return on Equity (ROE)
• Return on Invested Capital (ROIC)
• Revenue
• Revenue per Share

S

• Sale of Common and Preferred Stock
• Sale of Fixed Assets & Businesses
• Sale/Maturity of Investments
• Sales & Direct Financing Leases
• Selling & Marketing (S&M) Expense
• Selling, General & Administrative (SG&A) Expense
• Selling, General, Administrative & Other Expense (SG&A)
• Separate & Variable Account Assets
• Shares float
• Shares Outstanding (Basic Average)
• Shares Outstanding (Diluted Average)
• Shares Outstanding (End Of Period)
• Shares per Depository Receipt
• Short-Term Borrowings
• Short-Term Debt (Excluding Lease Obligations)
• Short-Term Investments
• State and Municipal Securities
• Stock-Based Compensation (COGS)
• Stock-Based Compensation (G&A Expense)
• Stock-Based Compensation (R&D Expense)
• Stock-Based Compensation (S&M Expense)
• Stock-Based Compensation (Unallocated)

T

• Tangible Book Value per Share
• Tangible Other Assets
• Tax Rate
• Taxes (excluding Income Taxes)
• Tier 1 Capital
• Tier 1 Capital Ratio
• Tier 2 Capital
• Total Assets
• Total Capital
• Total Capital Ratio
• Total Common Equity
• Total Common Equity Tier 1 (CET1)
• Total Current Assets
• Total Current Liabilities
• Total Current Taxes
• Total DebtTotal Debt
• Total Debt (excl. Lease Obligations)
• Total Debt per Share
• Total Debt/EBITDA
• Total Debt/Equity
• Total Deferred Tax Liabilities
• Total Deferred Taxes
• Total Deposits
• Total Equity
• Total Equity Securities Investment
• Total Fixed Income Securities
• Total Interest Bearing Deposits
• Total Interest Expense
• Total Liabilities
• Total Liabilities & Shareholders' Equity
• Total Minority Interest
• Total Non-Interest Bearing Deposits
• Total Non-Performing Assets (NPA)
• Total Receivables
• Total Revenue
• Total Shareholders' Equity
• Total Stock-Based Compensation
• Total Stock-Based Compensation (Net of Tax)
• Trading Account Income
• Trading Account Securities
• Trailing Annual Dividend Yield
• Treasury Securities
• Treasury Stock
• Trust Income, Commissions & Fees

U

• Unearned premiums
• Unrealized Valuation Gain/Loss

V

• VMI™

W

• Weighted Average Cost of Capital (WACC)

Y

• Year to Date (YTD) Performance