259.5
Revenue$M
411.7
432.1
455.4
494.1
520.7
549.7
578.2
624.4
675.1
722.5
269.0
6.77%
6.56%
61
22.46
Revenue growth%
5.52
7.41
6.44
4.31
3.20
0.40
2.77
1.54
0.40
0.40
19.57
0.40
2.99
10
26.49
Combined R.%
93.51
92.56
92.48
93.36
91.80
93.84
92.48
93.34
93.58
92.91
24.45
93.34
93.13
19
24.71
Operating margin%
18.69
20.55
23.24
20.85
20.83
19.77
22.26
24.48
25.83
25.87
13.04
24.48
21.56
49
18.60
Net margin%
29.65
32.21
29.71
32.62
32.51
31.17
31.46
30.58
32.90
31.86
10.58
31.46
31.66
34
9.972
P/E ratio (avg)x
30.93
29.36
28.08
30.33
31.75
34.01
38.76
43.72
40.53
45.38
35.58
40.53
32.88
47
10.20
P/TBVx
32.98
35.41
37.80
37.05
42.55
43.75
47.79
55.50
54.87
54.89
16.75
54.87
43.15
39
11.46
P/Bx
24.98
25.46
26.32
28.04
27.67
32.03
33.88
32.59
37.12
41.07
24.95
33.88
30.03
30
13.53
Prem. grth%
27.26
27.58
24.98
27.96
29.55
27.39
28.45
31.34
32.34
30.77
21.79
30.77
28.20
35
12.67
Invest. yld%
0.66
3.05
6.05
7.09
5.74
7.34
4.86
2.22
3.60
4.69
28.11
4.69
4.77
94
15.48
BVPS grth%
10.42
12.58
10.58
12.40
12.06
12.73
14.62
14.98
16.69
17.03
19.53
14.98
12.65
21
5.72
Return on equity%
9.27
10.51
12.75
13.17
11.54
9.90
8.00
7.10
6.45
8.76
16.58
8.00
9.59
77
10.37
Return on assets%
10.00
10.99
9.24
8.21
8.52
9.04
6.48
9.36
8.30
7.17
23.60
8.30
8.78
35
1.16
EPS$
0.32
0.31
0.29
0.27
0.25
0.27
0.24
0.21
0.21
0.21
1.30
(4.00%)
(5.26%)
—
22.19
EPS growth%
13.09
13.49
15.23
16.60
15.36
13.05
10.57
13.12
11.59
8.97
17.30
11.59
13.10
45
0.99
Bookvalue per sh$
0.89
0.89
0.88
0.86
0.94
1.07
1.04
1.06
1.20
1.17
0.53
4.63%
3.63%
—
0.70
TBV/sh$
0.62
0.57
0.52
0.49
0.44
0.39
0.37
0.33
0.34
0.35
0.71
(4.41%)
(5.56%)
—
1.15
Dividend per sh$
0.42
0.46
0.43
0.43
0.41
0.42
0.41
0.42
0.46
0.44
1.03
1.46%
1.19%
—
4.49
Div yield (avg)%
29.02
26.66
28.40
29.28
26.91
24.88
26.91
27.41
28.52
30.03
23.02
27.41
27.91
43
18.17
Payout ratio%
3.26
5.71
3.46
1.14
0.40
0.40
0.40
1.77
4.07
1.21
17.72
1.21
1.49
66
474.5
Shares (diluted)M
422.6
375.2
404.9
361.4
367.9
351.7
365.3
337.5
342.7
326.8
490.9
(2.34%)
(3.06%)
65
23.30
Buyback yield%
11.81
10.79
13.04
14.21
15.24
14.09
16.68
19.66
17.45
19.75
4.78
17.45
14.73
47
0.587
D/E ratiox
1.390
1.468
1.486
1.610
1.906
2.177
2.123
2.201
2.268
2.436
1.417
2.201
2.015
17
400.7
Assets$M
215.4
234.6
254.5
276.0
288.0
323.3
353.5
377.2
402.7
439.7
401.8
8.83%
7.77%
35
225.9
LT debt$M
406.4
436.2
447.5
485.0
447.7
422.5
388.1
373.1
394.2
397.8
163.1
(2.33%)
(0.92%)
79
Revenue
$722.5M
6.56%
1.00×
Claims and benefits
$437.2M
6.63%
1.01×
Total costs
$609.2M
6.51%
0.99×
Spread over hurdle
54.22%