17.71
Revenue$M
39.88
41.30
42.12
43.19
44.35
45.50
47.12
47.62
49.00
49.05
18.28
2.03%
2.28%
25
27.24
Revenue growth%
21.62
20.62
18.84
17.28
17.05
15.20
16.84
18.69
18.90
16.83
25.48
16.84
17.99
78
15.16
Combined R.%
81.14
82.97
81.51
82.34
81.46
83.19
82.71
81.33
81.14
82.45
13.18
82.45
81.92
46
12.03
Operating margin%
20.39
20.57
23.27
24.41
23.82
21.89
18.95
16.12
18.26
17.83
14.21
18.26
20.48
65
20.64
Net margin%
11.78
12.07
14.94
13.00
10.00
12.81
10.68
8.78
5.78
7.78
14.90
8.78
11.23
71
14.90
P/E ratio (avg)x
36.13
39.98
43.59
45.24
41.34
38.23
41.31
44.34
48.34
47.76
21.80
44.34
42.46
93
9.787
P/TBVx
13.39
12.45
13.11
14.99
16.30
16.47
16.49
16.80
18.05
16.96
36.93
16.80
16.39
50
29.41
P/Bx
27.45
25.05
24.93
23.85
21.68
19.02
17.53
16.64
16.61
16.91
9.643
16.91
20.35
87
20.63
Prem. grth%
20.85
20.81
19.37
21.47
21.84
20.11
19.38
21.66
21.48
21.32
4.29
21.32
21.08
22
23.08
Invest. yld%
15.21
13.00
15.94
16.21
18.82
19.57
18.68
16.21
14.96
15.86
15.70
16.21
16.08
69
11.60
BVPS grth%
12.72
15.69
17.79
19.71
20.56
18.49
18.95
21.24
21.61
23.99
22.29
21.24
19.33
57
20.34
Return on equity%
14.69
16.52
19.45
20.80
20.86
20.93
21.97
21.38
19.06
20.40
5.47
20.93
20.60
61
17.35
Return on assets%
20.17
20.56
23.32
23.21
21.39
22.53
24.78
26.96
26.75
26.23
18.00
26.23
23.26
69
1.95
EPS$
0.58
0.59
0.64
0.66
0.58
0.52
0.48
0.51
0.47
0.49
2.10
(3.11%)
(1.91%)
—
12.23
EPS growth%
24.42
24.60
26.15
23.24
24.48
23.74
26.63
27.90
30.14
32.62
20.66
27.90
25.37
76
2.11
Bookvalue per sh$
2.52
2.30
2.45
2.68
2.44
2.37
2.34
2.17
2.11
1.99
0.32
(3.92%)
(1.22%)
—
0.85
TBV/sh$
2.07
2.28
2.39
2.40
2.27
2.55
2.73
3.02
3.42
3.23
0.90
7.34%
5.21%
—
0.59
Dividend per sh$
2.51
2.78
3.17
3.20
3.69
3.80
4.18
4.37
4.87
5.69
0.79
9.05%
10.52%
—
22.28
Div yield (avg)%
30.12
31.54
28.89
28.72
26.25
28.85
31.51
33.49
33.06
32.66
7.52
32.66
30.81
8
23.10
Payout ratio%
4.91
3.08
3.53
2.26
2.34
1.35
3.31
0.49
2.76
0.40
6.07
1.35
2.55
74
12.99
Shares (diluted)M
18.49
21.35
25.28
28.06
30.75
33.01
33.51
37.74
44.79
44.01
13.14
7.44%
9.00%
86
16.84
Buyback yield%
28.33
28.02
29.96
28.67
26.62
27.37
27.13
25.48
23.17
21.32
7.26
25.48
27.25
53
0.304
D/E ratiox
0.202
0.217
0.241
0.247
0.259
0.306
0.346
0.376
0.369
0.380
1.081
0.369
0.282
52
21.12
Assets$M
65.81
70.41
76.08
81.47
85.33
93.06
104.0
111.3
126.8
135.3
6.170
9.66%
8.45%
24
46.34
LT debt$M
70.13
80.92
95.23
98.18
104.5
109.2
106.8
113.7
110.0
127.8
33.88
4.11%
7.50%
60
Revenue
$49.05M
2.28%
1.00×
Claims and benefits
$26.27M
2.55%
1.03×
Total costs
$36.62M
2.17%
0.99×
Spread over hurdle
24.72%