3.446
Revenue$M
2.978
3.183
3.476
3.736
3.939
4.220
4.551
4.821
5.226
5.727
3.831
7.77%
7.34%
82
9.03
Revenue growth%
27.60
30.54
27.62
24.92
24.21
25.84
28.07
30.76
30.66
28.38
26.55
28.38
27.85
5
7.63
Combined R.%
85.87
84.29
84.00
86.23
83.49
84.97
84.84
85.51
86.17
85.09
9.54
85.09
85.03
88
4.90
Operating margin%
13.76
12.45
9.86
8.51
10.18
7.77
8.80
11.77
9.10
10.72
16.88
9.10
10.02
70
25.57
Net margin%
8.24
8.82
10.89
9.58
10.54
8.58
9.60
7.46
6.65
8.73
19.84
8.58
8.78
89
12.88
P/E ratio (avg)x
16.99
15.48
15.88
17.19
15.71
14.21
12.72
12.21
12.75
11.73
32.37
12.72
14.85
63
13.08
P/TBVx
21.40
22.96
24.15
24.54
24.28
26.53
28.55
29.39
29.50
29.63
23.97
29.39
25.54
19
18.52
P/Bx
40.84
46.79
53.39
63.16
73.00
82.83
97.15
94.64
97.61
105.6
6.233
97.15
77.92
25
9.78
Prem. grth%
23.41
23.57
21.88
22.19
20.86
22.49
21.54
19.74
17.47
19.57
14.60
19.74
21.71
87
4.52
Invest. yld%
3.66
5.75
7.90
9.06
6.49
4.83
6.90
8.76
8.19
8.99
24.86
8.19
7.40
11
4.01
BVPS grth%
10.06
8.41
11.12
9.27
11.42
9.67
12.21
15.12
13.77
11.28
14.35
12.21
11.20
37
18.13
Return on equity%
27.16
29.23
30.04
29.81
27.43
29.31
27.99
25.71
26.48
26.15
25.96
26.48
27.71
18
15.17
Return on assets%
13.45
15.59
15.36
13.18
11.30
8.50
8.30
5.43
6.88
7.15
15.76
7.15
9.90
43
0.04
EPS$
0.07
0.06
0.07
0.07
0.06
0.06
0.06
0.07
0.06
0.07
0.05
2.72%
(0.43%)
—
19.78
EPS growth%
27.07
29.80
29.39
29.29
27.43
29.14
27.24
27.58
26.29
27.23
10.86
27.24
27.50
23
0.02
Bookvalue per sh$
0.11
0.12
0.13
0.15
0.15
0.15
0.17
0.18
0.18
0.19
0.13
5.18%
7.39%
—
0.11
TBV/sh$
0.06
0.06
0.06
0.06
0.06
0.06
0.05
0.06
0.06
0.06
0.06
2.36%
0.45%
—
0.05
Dividend per sh$
0.07
0.07
0.08
0.09
0.09
0.09
0.09
0.10
0.10
0.10
0.04
3.46%
3.52%
—
2.69
Div yield (avg)%
12.55
10.69
10.46
7.52
5.02
6.88
5.04
5.49
7.02
8.35
10.34
6.88
7.27
35
21.99
Payout ratio%
13.21
13.18
15.96
16.07
13.22
15.98
16.46
19.22
19.80
20.76
16.56
19.22
16.03
71
20.61
Shares (diluted)M
21.35
22.06
23.37
25.46
27.71
28.03
26.35
24.42
23.80
25.43
20.04
(1.71%)
0.87%
22
26.71
Buyback yield%
18.90
20.32
18.68
17.71
15.82
17.40
19.96
19.68
20.53
20.44
29.65
19.96
19.29
59
0.368
D/E ratiox
1.536
1.713
1.718
1.929
2.296
2.397
2.315
2.408
2.627
2.853
0.984
2.408
2.305
24
0.447
Assets$M
2.634
2.813
3.006
3.202
3.528
3.938
4.266
4.702
4.934
5.394
2.854
8.86%
8.25%
28
6.420
LT debt$M
5.513
5.643
5.248
4.963
4.346
3.786
4.133
4.136
4.425
4.258
0.358
(0.41%)
(1.67%)
70
Revenue
$5.727M
7.34%
1.00×
Claims and benefits
$3.154M
7.29%
1.00×
Total costs
$4.456M
7.24%
0.99×