Earnings Estimates

Also known as Return on Sales, this value is calculated by dividing Net Income for the most recent fiscal year by Total Revenue for the same period and is expressed as a percentage.

Also known as Return on Sales, this value is the Income After Taxes for the most recent interim period divided by Total Revenue for the same period and is expressed as a percentage.

Also known as Return on Sales, this value is the Income After Taxes for the trailing twelve months divided by Total Revenue for the same period and is expressed as a percentage.

Net Sales represents sales receipts for products and services, less cash discounts, trade discounts, excise tax, and sales returns and allowances. Revenues are recognized according to applicable accounting principles.

New Business Annual Premium Equivalent represents the annual premium amount for regular premium contracts plus 10% of new single premiums.

New Business Margin, Total - % represents the Company level New Business Margin percentage, as reported by the company. It shows the profit from new business sales, expressed as a percentage of the Present Value of New Business Premiums (PVNBP) for the period

New Business Profit represents the contribution of the total new business sales of an insurer during the period. The insurer’s new business sales can include premium income on new regular policies, and also single premium policies.

Non-Cash Items represents the sum of:
Accounting Change
Discontinued Operations
Extraordinary Items
Unusual Items
Purchased R&D
Equity in Net Earnings/Loss
Other Non-Cash Items.

Non-Interest Bearing Deposits represents deposits with no interest accrual or with minimal interest earning, which are often known as demand deposits and used for checking accounts. Checking accounts with minimal interest payments, such as NOW accounts, may be considered demand deposits and may be included in Non-Interest Bearing Deposits by some banks.

Non-Interest Expense, Bank represents the sum of:
Labor & Related Expenses
Depreciation Expense
Amortization of Intangibles
Amortization of Acquisition Costs Real Estate Operation Expense
Dealer Trading Account Loss
Investment Securities Losses
Foreign Currency Losses
Unrealized Losses
Minimum Pension Liability Loss
Litigation Expense
Restructuring Charge
Other Unusual Expense
Other Expense