3.593
Revenue£M
8.803
9.320
9.483
9.745
10.14
10.40
10.78
11.40
11.75
12.20
3.983
3.78%
3.61%
18
23.98
Revenue growth%
19.40
17.90
15.11
15.72
13.61
14.69
16.40
16.26
18.52
20.55
21.75
16.40
16.33
35
3.76
Combined R.%
83.26
82.52
84.15
83.39
81.36
82.94
82.10
82.26
83.55
82.99
26.36
82.94
82.96
57
24.36
Operating margin%
15.76
16.77
17.24
14.65
17.22
18.14
19.49
19.83
19.78
18.20
22.64
19.49
17.69
60
7.54
Net margin%
11.25
10.93
10.88
8.75
7.79
7.37
9.02
7.97
10.76
10.28
18.06
9.02
9.65
9
34.55
P/E ratio (avg)x
16.97
16.95
16.52
14.27
14.58
14.91
12.93
11.77
11.00
11.29
29.52
11.77
14.43
37
10.78
P/TBVx
17.24
18.65
17.81
17.78
18.08
20.38
20.36
22.27
22.43
23.80
31.93
22.27
19.51
10
29.65
P/Bx
39.61
38.65
43.70
42.30
48.47
50.35
46.71
43.65
50.10
55.61
8.280
50.10
45.21
35
26.40
Prem. grth%
0.96
2.66
5.23
2.64
1.39
0.40
0.40
0.78
0.40
2.82
8.10
0.40
1.18
37
28.03
Invest. yld%
33.27
33.87
34.12
32.41
31.43
31.23
30.02
32.61
30.64
27.91
27.15
30.64
31.92
70
24.00
BVPS grth%
25.16
25.92
24.28
23.12
22.14
23.33
20.55
20.69
22.50
22.31
13.61
22.31
22.81
67
5.93
Return on equity%
18.18
16.01
14.38
13.65
14.58
17.14
20.12
19.46
16.49
14.71
3.85
17.14
16.25
78
13.73
Return on assets%
14.71
16.96
15.56
16.17
18.63
16.42
15.50
14.09
12.49
9.85
5.75
14.09
15.53
12
0.04
EPS£
0.05
0.05
0.05
0.05
0.04
0.04
0.03
0.03
0.03
0.03
0.04
(6.40%)
(5.88%)
—
12.89
EPS growth%
19.44
21.65
21.49
22.08
20.56
18.25
21.08
21.08
23.21
22.62
7.05
21.08
21.29
16
0.13
Bookvalue per sh£
0.08
0.09
0.10
0.09
0.10
0.10
0.10
0.10
0.10
0.11
0.13
1.52%
3.53%
—
0.12
TBV/sh£
0.14
0.15
0.16
0.17
0.20
0.19
0.22
0.24
0.26
0.26
0.07
5.47%
5.88%
—
0.03
Dividend per sh£
0.11
0.10
0.09
0.09
0.08
0.08
0.07
0.07
0.07
0.06
0.08
(3.84%)
(6.08%)
—
4.87
Div yield (avg)%
13.09
10.57
12.99
14.74
15.69
15.19
16.65
15.87
18.26
17.57
3.18
16.65
15.44
94
24.45
Payout ratio%
4.68
5.76
7.25
4.78
3.54
4.01
1.34
0.40
2.26
2.13
13.72
2.13
3.78
28
136.5
Shares (diluted)M
189.3
209.4
246.8
271.0
310.2
328.0
347.0
352.7
391.4
431.4
140.3
6.82%
8.48%
82
22.20
Buyback yield%
26.22
25.81
23.90
23.57
24.92
26.26
26.57
28.01
29.19
28.32
7.54
28.01
26.24
48
0.275
D/E ratiox
0.455
0.423
0.452
0.407
0.435
0.443
0.442
0.426
0.453
0.432
1.651
0.442
0.438
73
10.73
Assets£M
4.877
5.047
5.735
6.057
6.594
7.180
7.817
8.605
9.215
9.695
1.524
8.01%
7.78%
83
6.148
LT debt£M
4.367
4.911
5.502
6.160
6.934
7.759
7.577
7.272
7.792
8.749
8.277
4.76%
6.42%
18
Revenue
£12.20M
3.61%
1.00×
Claims and benefits
£6.431M
3.53%
0.99×
Total costs
£9.377M
3.41%
0.98×
Spread over hurdle
67.16%