270.6
Revenue$M
225.6
237.0
242.3
252.8
259.9
269.6
273.7
280.3
284.1
288.2
299.0
2.09%
3.04%
84
23.63
Revenue growth%
10.07
7.15
4.45
2.00
3.21
4.91
7.50
7.08
6.87
5.05
29.34
6.87
5.96
13
28.20
Combined R.%
79.63
82.77
80.94
82.57
80.08
80.28
79.47
80.67
80.64
80.84
13.88
80.64
80.65
28
21.19
Operating margin%
14.03
12.29
9.70
12.36
14.22
16.94
15.99
13.74
13.34
13.29
8.41
13.74
13.54
93
21.07
Net margin%
34.17
32.82
35.81
34.67
36.12
38.53
41.53
39.43
41.61
41.70
24.36
41.53
37.32
57
12.61
P/E ratio (avg)x
7.042
6.026
5.443
4.856
4.425
4.668
4.133
3.852
3.525
3.191
19.65
3.852
4.547
26
22.29
P/TBVx
15.91
15.72
14.35
15.30
14.01
14.27
15.55
16.33
14.68
14.57
27.71
14.68
14.99
68
24.05
P/Bx
12.97
14.11
14.47
14.66
17.13
17.65
20.70
22.66
23.45
25.25
26.60
22.66
17.39
34
2.22
Prem. grth%
11.97
11.17
11.81
12.67
12.07
12.61
12.13
13.19
10.30
11.80
29.93
12.13
12.02
40
21.35
Invest. yld%
23.45
23.09
20.97
18.47
17.83
18.34
17.62
14.94
12.07
9.78
15.59
14.94
18.08
35
11.69
BVPS grth%
3.16
1.72
1.90
4.56
3.48
3.87
6.17
4.64
2.61
5.01
25.52
4.64
3.68
84
17.03
Return on equity%
21.01
22.93
23.61
24.85
26.45
26.60
26.28
28.63
28.68
25.74
20.19
26.60
26.01
25
7.71
Return on assets%
18.57
19.70
17.55
17.54
17.65
16.59
14.42
16.53
15.35
17.48
24.86
16.53
17.51
57
0.16
EPS$
0.16
0.19
0.23
0.27
0.27
0.32
0.35
0.39
0.47
0.46
0.18
11.51%
12.31%
—
18.14
EPS growth%
24.88
25.70
26.69
25.30
25.96
24.69
26.38
27.55
26.72
28.10
8.44
26.72
26.17
76
0.16
Bookvalue per sh$
0.46
0.52
0.57
0.56
0.60
0.69
0.74
0.81
0.84
0.92
0.14
9.00%
7.21%
—
0.27
TBV/sh$
0.22
0.23
0.24
0.25
0.22
0.23
0.21
0.19
0.19
0.20
0.13
(1.80%)
(1.33%)
—
0.29
Dividend per sh$
0.06
0.07
0.07
0.08
0.09
0.10
0.12
0.12
0.12
0.14
0.31
9.39%
9.19%
—
20.09
Div yield (avg)%
9.05
8.30
7.62
6.96
4.47
2.64
1.97
3.68
6.36
8.22
18.31
3.68
6.66
58
9.03
Payout ratio%
16.06
16.78
17.55
16.37
19.20
21.46
22.17
22.28
23.78
23.44
25.27
22.28
20.33
15
0.605
Shares (diluted)B
0.979
1.140
1.263
1.490
1.520
1.576
1.717
1.981
2.191
2.565
0.606
11.03%
11.87%
58
3.79
Buyback yield%
1.66
0.40
3.27
2.94
1.70
0.40
0.40
1.54
1.69
3.79
12.03
1.54
1.68
63
0.127
D/E ratiox
1.679
1.818
2.063
2.118
2.365
2.495
2.553
2.698
2.862
3.344
0.925
2.698
2.430
73
0.351
Assets$B
0.862
0.937
0.978
1.068
1.186
1.296
1.405
1.549
1.714
1.884
0.086
9.69%
9.44%
91
111.9
LT debt$M
273.1
323.1
323.6
389.1
417.4
443.9
489.6
583.6
652.8
659.8
318.6
9.59%
9.86%
71
Revenue
$288.2M
3.04%
1.00×
Claims and benefits
$144.6M
2.90%
0.99×
Total costs
$212.7M
2.91%
0.99×