16.40
Revenue£M
46.16
46.75
48.32
48.19
49.00
50.87
52.77
52.83
53.52
54.92
16.75
2.31%
1.88%
84
20.11
Revenue growth%
2.21
3.91
6.15
5.22
4.63
5.31
6.71
6.51
7.18
8.56
12.07
6.71
5.73
23
11.29
Combined R.%
80.44
79.70
81.16
81.53
80.86
80.82
81.72
81.46
81.39
80.30
20.15
81.39
81.01
27
19.20
Operating margin%
24.26
23.14
20.56
23.05
20.61
19.17
21.05
23.46
21.53
20.44
27.51
21.05
21.29
40
27.47
Net margin%
26.87
24.92
23.78
26.12
28.46
26.52
24.88
22.30
21.20
20.92
18.20
22.30
24.90
20
35.03
P/E ratio (avg)x
45.34
46.48
48.79
43.04
45.88
43.37
47.25
47.73
48.89
48.68
25.93
47.73
46.87
28
33.39
P/TBVx
6.108
6.354
6.107
6.393
6.202
6.094
6.216
6.262
5.665
5.500
7.299
6.094
6.155
23
9.816
P/Bx
11.53
11.47
11.40
12.03
10.70
10.14
9.299
8.987
8.785
8.473
16.18
8.987
10.42
51
7.11
Prem. grth%
7.51
8.55
10.23
12.82
12.37
12.15
10.66
11.61
11.92
12.75
5.22
11.92
11.76
94
21.05
Invest. yld%
27.34
25.42
23.93
22.93
22.73
21.44
20.42
21.86
23.31
24.77
3.12
21.86
23.12
71
16.58
BVPS grth%
21.12
21.16
21.69
24.29
26.73
29.36
31.63
32.74
29.83
32.52
10.54
31.63
28.05
39
9.03
Return on equity%
29.24
30.60
33.23
34.32
35.46
34.18
31.25
34.02
31.33
33.99
4.91
33.99
33.61
36
21.49
Return on assets%
14.95
14.67
16.59
15.42
15.89
13.91
15.31
16.43
15.54
17.62
8.55
15.54
15.48
10
0.43
EPS£
0.47
0.47
0.48
0.43
0.40
0.38
0.43
0.40
0.45
0.45
0.47
2.34%
(0.11%)
—
27.26
EPS growth%
25.73
25.54
26.41
24.48
22.02
23.45
25.52
25.73
26.30
27.54
22.18
25.73
25.63
31
0.36
Bookvalue per sh£
0.27
0.27
0.32
0.35
0.36
0.36
0.39
0.42
0.47
0.57
0.25
9.34%
9.16%
—
0.33
TBV/sh£
0.25
0.21
0.20
0.19
0.18
0.17
0.15
0.13
0.11
0.12
0.12
(8.15%)
(7.39%)
—
0.24
Dividend per sh£
0.23
0.26
0.27
0.31
0.35
0.38
0.41
0.41
0.42
0.50
0.30
7.58%
10.05%
—
10.08
Div yield (avg)%
0.40
0.40
0.40
0.40
0.40
2.90
4.40
2.30
0.40
0.40
21.52
2.30
0.40
37
26.50
Payout ratio%
6.87
4.04
5.17
7.07
5.65
7.18
5.86
4.75
2.31
0.40
17.25
4.75
5.41
93
66.67
Shares (diluted)M
78.28
86.28
96.43
91.82
97.54
110.3
111.3
101.6
97.24
88.48
70.51
(1.93%)
1.86%
35
5.90
Buyback yield%
16.25
17.51
15.02
12.05
10.76
8.83
10.05
9.96
8.33
6.62
10.03
8.83
10.41
70
1.466
D/E ratiox
1.495
1.519
1.419
1.625
1.573
1.730
1.904
1.970
1.986
2.233
1.285
1.970
1.677
74
3.468
Assets£M
140.3
151.2
163.4
180.0
199.6
216.5
236.2
251.0
277.7
298.4
30.93
8.37%
9.00%
51
21.13
LT debt£M
11.97
11.33
12.30
13.52
15.06
15.08
14.56
14.29
13.00
12.57
36.51
(3.54%)
0.30%
80
Revenue
£54.92M
1.88%
1.00×
Claims and benefits
£27.23M
1.79%
0.99×
Total costs
£40.88M
1.80%
0.99×