328.0
Revenue$M
212.4
219.2
232.8
248.0
258.6
273.0
287.0
299.3
315.0
322.5
347.7
4.52%
4.70%
36
16.53
Revenue growth%
7.45
8.08
9.53
10.66
9.16
8.06
9.46
6.48
7.58
7.69
24.69
7.69
8.07
94
20.01
Combined R.%
94.30
95.24
94.53
95.89
95.27
96.11
94.72
96.90
95.36
95.86
22.10
95.86
95.31
77
13.13
Operating margin%
5.79
5.10
5.41
3.05
2.46
2.40
0.56
0.40
2.46
0.40
11.45
0.56
2.46
20
16.24
Net margin%
5.04
4.89
2.29
4.77
3.90
3.33
3.02
0.40
0.40
2.52
18.14
2.52
3.17
6
26.32
P/E ratio (avg)x
18.45
20.41
18.79
18.27
19.38
19.03
17.21
15.74
16.07
17.29
17.73
17.21
18.36
22
25.01
P/TBVx
15.52
13.76
13.83
12.41
12.00
11.09
11.85
11.48
12.37
10.91
12.31
11.48
12.19
35
25.28
P/Bx
13.28
14.01
13.56
13.09
12.13
12.35
13.23
13.29
14.43
15.77
36.56
13.29
13.29
68
24.36
Prem. grth%
20.51
23.19
22.00
21.38
19.51
20.18
21.41
20.82
18.84
18.65
6.79
20.18
20.67
75
19.88
Invest. yld%
5.21
5.29
5.75
8.56
11.20
13.83
16.23
17.38
15.12
16.32
10.94
16.23
12.52
8
19.03
BVPS grth%
4.02
5.71
7.16
6.86
6.18
5.97
8.24
9.84
9.26
8.31
10.30
8.31
7.01
8
21.39
Return on equity%
27.93
28.48
25.58
26.57
27.99
27.83
28.31
29.46
30.91
29.27
20.54
29.27
28.15
17
21.73
Return on assets%
13.81
11.16
13.82
16.44
15.00
12.27
10.87
9.69
9.91
7.85
2.62
9.91
11.72
8
0.18
EPS$
0.48
0.52
0.49
0.53
0.56
0.61
0.69
0.73
0.68
0.67
0.19
3.86%
4.68%
—
7.88
EPS growth%
16.78
18.18
20.32
22.78
23.23
22.96
23.50
21.06
19.60
18.22
7.49
21.06
20.69
39
0.54
Bookvalue per sh$
0.27
0.25
0.25
0.21
0.19
0.18
0.16
0.16
0.16
0.17
0.38
(1.41%)
(5.07%)
—
0.38
TBV/sh$
0.66
0.70
0.70
0.75
0.85
0.97
0.94
1.02
1.07
1.12
0.43
5.79%
5.43%
—
0.55
Dividend per sh$
0.64
0.71
0.84
0.92
0.98
0.98
1.00
1.17
1.28
1.50
0.22
8.73%
8.85%
—
28.81
Div yield (avg)%
10.33
13.21
15.85
16.34
16.47
14.51
11.65
11.63
10.44
12.79
21.84
11.65
13.00
9
20.15
Payout ratio%
29.06
30.16
31.16
33.30
30.94
29.78
28.54
31.08
31.21
29.94
20.31
29.94
30.55
76
280.6
Shares (diluted)M
225.3
199.5
217.0
215.1
227.3
198.2
195.3
178.9
152.9
133.9
271.9
(10.04%)
(4.98%)
7
9.57
Buyback yield%
20.42
20.44
18.79
20.56
22.79
25.28
25.72
26.04
25.13
26.32
28.75
25.72
23.96
39
1.283
D/E ratiox
1.180
1.294
1.239
1.233
1.440
1.678
1.938
2.197
2.202
2.333
0.797
2.197
1.559
44
0.284
Assets$B
0.732
0.815
0.884
0.935
1.001
1.076
1.167
1.281
1.367
1.462
0.167
7.87%
8.45%
40
299.6
LT debt$M
59.75
65.54
63.37
70.49
70.65
80.47
86.86
89.61
104.4
113.4
331.5
9.93%
5.97%
73
Revenue
$322.5M
4.70%
1.00×
Claims and benefits
$192.2M
4.84%
1.01×
Total costs
$282.4M
4.61%
0.99×