34.85
Revenue$M
74.63
81.13
86.14
92.44
100.8
110.4
120.5
131.3
139.0
151.7
37.62
8.52%
8.18%
40
21.18
Revenue growth%
27.20
26.93
25.11
27.51
25.49
26.25
23.54
26.18
28.74
29.79
22.38
26.25
26.59
11
2.85
Combined R.%
82.46
81.94
82.84
83.22
83.08
83.35
82.11
82.13
82.78
82.80
22.82
82.78
82.79
23
5.35
Operating margin%
25.86
26.21
26.16
24.13
24.59
23.75
21.66
19.35
20.48
22.98
19.70
21.66
23.94
75
20.83
Net margin%
12.89
13.76
11.68
13.13
12.71
13.37
12.32
14.67
16.43
13.45
4.43
13.45
13.25
89
6.861
P/E ratio (avg)x
10.69
10.27
11.67
13.02
14.69
14.50
15.60
16.15
14.91
16.25
12.04
15.60
14.60
25
35.28
P/TBVx
33.00
30.95
29.18
29.86
30.54
29.69
28.61
26.33
29.57
31.76
33.36
29.57
29.78
33
17.42
P/Bx
11.15
11.42
11.37
11.01
12.38
11.23
10.40
9.605
10.75
11.88
12.66
10.75
11.19
66
29.36
Prem. grth%
6.50
4.21
1.39
2.99
5.43
7.08
6.42
7.85
10.01
8.61
29.55
7.85
6.46
40
8.08
Invest. yld%
20.68
18.31
18.52
19.40
17.38
15.85
17.67
19.30
19.35
18.53
19.46
18.53
18.52
54
11.71
BVPS grth%
5.58
7.78
10.16
10.63
11.98
13.70
13.20
13.75
13.61
12.85
23.30
13.61
12.42
43
9.58
Return on equity%
13.06
11.43
9.32
9.04
11.09
11.68
9.96
12.43
11.59
14.21
24.80
11.68
11.51
13
28.01
Return on assets%
3.04
4.16
3.43
3.64
3.99
1.50
2.68
0.40
0.40
0.40
9.08
0.40
2.86
26
0.15
EPS$
0.38
0.38
0.40
0.39
0.34
0.31
0.28
0.30
0.25
0.27
0.16
(4.20%)
(2.53%)
—
4.32
EPS growth%
23.19
25.93
23.80
25.35
27.17
28.28
29.93
30.32
28.83
30.15
25.83
29.93
27.73
33
0.28
Bookvalue per sh$
0.50
0.59
0.63
0.69
0.80
0.88
0.86
0.90
0.97
1.07
0.21
6.04%
7.42%
—
0.32
TBV/sh$
0.39
0.41
0.39
0.42
0.40
0.39
0.42
0.50
0.53
0.52
0.11
5.52%
3.51%
—
0.23
Dividend per sh$
0.67
0.68
0.73
0.85
0.87
0.91
1.01
1.04
1.08
1.02
0.37
3.13%
5.79%
—
3.43
Div yield (avg)%
11.91
10.60
8.62
8.14
5.98
5.68
4.35
3.98
1.47
0.40
26.01
3.98
5.83
79
23.35
Payout ratio%
17.70
17.68
19.74
19.25
17.24
19.64
21.77
23.23
25.87
24.13
22.92
23.23
19.69
9
151.9
Shares (diluted)M
175.8
176.6
181.9
204.8
185.8
205.1
221.2
201.8
227.9
239.5
150.5
5.20%
3.41%
82
13.87
Buyback yield%
34.09
33.07
33.36
34.98
33.23
30.52
29.75
32.54
34.31
32.72
21.34
32.54
33.15
66
0.956
D/E ratiox
1.114
1.161
1.123
1.004
1.033
1.072
1.112
1.141
1.184
1.226
0.351
1.141
1.118
92
102.1
Assets$M
350.0
385.5
427.7
451.3
484.2
544.9
579.4
635.3
697.3
775.4
105.3
9.88%
9.25%
6
93.62
LT debt$M
118.4
118.1
115.8
113.3
118.5
134.9
144.5
137.0
127.9
134.9
49.79
2.64%
1.54%
64
Revenue
$151.7M
8.18%
1.00×
Claims and benefits
$73.50M
8.11%
0.99×
Total costs
$116.1M
8.28%
1.01×