90.83
Revenue$M
47.95
52.21
55.76
61.30
67.98
73.41
78.56
86.33
93.12
99.58
96.71
7.93%
8.61%
37
16.96
Revenue growth%
11.76
10.46
10.05
7.52
6.27
7.27
9.57
10.91
13.14
14.57
14.61
10.91
10.25
42
16.76
Combined R.%
92.07
90.94
92.12
90.93
89.65
91.27
91.96
90.78
90.87
89.85
16.09
90.87
90.94
11
13.52
Operating margin%
21.28
23.46
25.88
27.84
25.84
24.99
24.59
23.76
26.72
27.42
12.76
24.99
25.42
67
23.42
Net margin%
0.40
0.40
1.24
3.27
0.94
1.66
0.40
1.14
0.40
0.40
17.13
0.40
0.67
75
19.04
P/E ratio (avg)x
21.70
20.37
19.20
19.93
20.85
22.82
21.34
24.12
25.81
29.80
34.13
24.12
21.52
72
13.63
P/TBVx
16.84
17.40
14.84
16.05
14.71
12.49
12.42
13.00
13.10
13.64
8.613
13.00
14.18
81
21.22
P/Bx
11.87
11.96
10.56
10.68
10.87
10.23
9.331
8.417
7.530
7.256
23.86
8.417
10.39
13
9.64
Prem. grth%
29.36
27.64
28.68
25.75
24.55
24.22
24.65
27.63
26.42
27.47
18.20
26.42
26.95
80
6.22
Invest. yld%
25.19
24.51
27.32
28.14
30.31
28.06
31.03
28.67
26.45
28.96
24.81
28.67
28.10
59
29.18
BVPS grth%
22.53
24.96
23.31
25.01
26.78
25.21
24.28
27.15
26.74
25.24
9.67
25.24
25.11
45
24.13
Return on equity%
13.09
12.02
10.14
8.55
6.56
4.56
5.72
5.73
6.66
7.44
2.68
5.73
7.05
62
15.36
Return on assets%
18.85
20.49
18.51
19.77
19.88
21.02
23.85
22.62
25.11
23.24
13.98
23.24
20.76
6
0.86
EPS$
0.45
0.52
0.56
0.60
0.68
0.82
0.90
0.93
1.11
1.20
0.92
11.87%
10.62%
—
14.24
EPS growth%
4.67
6.65
4.41
3.53
5.26
7.68
9.13
10.08
9.34
12.07
9.32
9.34
7.17
69
1.81
Bookvalue per sh$
2.20
2.33
2.37
2.83
3.29
3.82
4.11
4.28
4.40
4.48
1.59
6.36%
8.77%
—
0.62
TBV/sh$
2.33
2.27
2.09
2.14
2.30
2.38
2.62
2.68
2.75
2.95
1.43
5.06%
2.55%
—
2.17
Dividend per sh$
1.08
1.23
1.32
1.32
1.49
1.70
1.83
2.00
1.99
2.38
1.07
9.87%
9.16%
—
5.36
Div yield (avg)%
4.19
5.81
4.54
5.48
7.23
4.99
6.94
6.86
6.51
4.87
8.75
6.51
5.64
57
29.93
Payout ratio%
2.90
4.27
2.97
2.49
2.60
1.07
0.79
0.72
0.99
1.11
2.56
0.99
1.80
63
47.17
Shares (diluted)M
64.97
68.89
82.22
78.78
80.31
89.72
93.08
100.4
99.35
104.9
47.25
5.49%
5.72%
54
23.60
Buyback yield%
25.46
27.25
26.58
26.27
29.04
26.98
24.95
24.98
24.86
24.66
11.25
24.95
25.87
9
1.113
D/E ratiox
1.376
1.488
1.664
1.518
1.620
1.604
1.546
1.681
1.582
1.541
0.298
1.582
1.564
40
86.69
Assets$M
39.66
45.43
49.10
51.19
55.14
62.04
67.97
71.26
77.44
85.92
22.95
9.28%
9.13%
22
27.13
LT debt$M
7.914
8.781
8.716
9.466
9.912
9.833
10.73
10.24
9.459
9.903
62.05
(0.02%)
2.78%
76
Revenue
$99.58M
8.61%
1.00×
Claims and benefits
$57.34M
8.44%
0.98×
Total costs
$81.56M
8.51%
0.99×
Spread over hurdle
28.77%