57.16
Revenue£M
44.39
46.98
49.20
50.86
52.41
53.29
55.53
56.83
59.51
60.78
63.10
3.00%
3.43%
65
24.11
Revenue growth%
4.12
2.40
0.48
0.40
0.53
3.49
5.37
7.95
7.27
5.87
22.16
5.87
3.81
30
3.04
Combined R.%
81.93
84.23
82.66
84.69
81.80
83.43
82.87
83.39
82.70
82.29
9.32
82.87
82.79
34
18.10
Operating margin%
12.01
13.94
15.03
16.21
15.30
13.56
13.63
12.47
14.52
16.79
6.74
13.63
14.23
13
11.94
Net margin%
17.02
16.05
13.19
12.37
13.48
15.11
17.50
18.12
16.15
14.91
25.54
16.15
15.58
37
32.53
P/E ratio (avg)x
65.60
66.96
71.35
85.27
87.25
91.78
110.4
116.8
114.2
111.7
9.247
111.7
89.52
27
20.55
P/TBVx
22.64
22.47
20.77
23.86
24.97
22.92
20.94
22.95
21.19
23.50
23.54
22.92
22.78
82
11.60
P/Bx
31.82
33.52
33.92
33.81
38.68
42.15
47.14
45.11
47.62
49.08
14.62
47.14
40.41
36
5.61
Prem. grth%
7.61
7.97
6.21
8.07
6.11
3.72
2.99
1.05
0.40
2.46
27.22
2.46
4.91
43
28.96
Invest. yld%
28.15
30.81
29.17
32.07
31.68
30.87
29.83
32.15
33.20
32.98
11.34
32.15
31.27
60
27.75
BVPS grth%
26.11
28.83
26.25
26.11
26.63
26.48
27.90
27.91
30.60
31.90
17.40
27.91
27.26
18
11.55
Return on equity%
20.03
22.61
25.46
27.49
27.44
28.15
28.76
26.96
26.87
27.75
2.55
27.75
27.20
67
23.18
Return on assets%
31.30
30.99
28.63
29.17
32.04
32.67
30.64
30.24
32.56
33.92
25.31
32.56
31.14
30
0.40
EPS£
0.16
0.17
0.17
0.20
0.21
0.19
0.18
0.17
0.20
0.19
0.44
(1.95%)
1.88%
—
3.45
EPS growth%
16.01
15.41
16.09
13.55
11.71
13.82
11.63
12.43
13.83
12.96
4.93
12.96
13.69
90
0.30
Bookvalue per sh£
0.27
0.29
0.29
0.30
0.29
0.28
0.29
0.26
0.28
0.24
0.17
(3.81%)
(1.94%)
—
0.42
TBV/sh£
0.18
0.18
0.16
0.14
0.13
0.12
0.11
0.11
0.10
0.10
0.07
(5.33%)
(5.71%)
—
0.39
Dividend per sh£
0.21
0.22
0.21
0.23
0.27
0.31
0.36
0.37
0.38
0.36
0.19
5.93%
4.81%
—
23.68
Div yield (avg)%
27.39
27.51
30.02
31.52
31.40
32.06
33.19
30.61
33.04
35.41
3.78
33.04
31.46
23
24.93
Payout ratio%
32.98
31.08
30.16
31.13
32.06
31.19
31.72
29.07
28.81
26.88
4.27
29.07
31.10
64
31.76
Shares (diluted)M
26.81
23.01
20.85
18.98
19.39
16.32
14.24
11.99
12.62
12.18
30.87
(8.88%)
(8.72%)
76
18.93
Buyback yield%
27.21
27.77
29.91
31.68
33.17
35.26
34.72
36.26
37.14
38.65
6.82
36.26
33.94
72
0.977
D/E ratiox
0.552
0.518
0.504
0.555
0.537
0.557
0.590
0.557
0.556
0.536
0.663
0.557
0.553
83
44.62
Assets£M
79.55
84.94
92.36
103.9
108.5
120.2
128.2
140.7
153.0
162.1
35.66
8.37%
7.96%
48
35.83
LT debt£M
25.81
26.15
27.86
30.34
30.04
29.36
34.01
33.50
34.78
36.90
15.98
4.20%
4.87%
42
Revenue
£60.78M
3.43%
1.00×
Claims and benefits
£30.60M
3.11%
0.97×
Total costs
£45.52M
3.33%
0.99×