276.9
Revenue$M
282.2
300.0
323.4
339.9
364.8
389.5
410.1
442.9
478.6
494.8
298.7
6.29%
6.48%
14
23.62
Revenue growth%
25.01
23.68
20.76
22.13
21.24
18.76
19.61
17.17
18.89
19.52
28.04
18.89
20.19
70
17.89
Combined R.%
88.90
88.43
89.03
89.90
88.29
90.72
90.30
88.51
88.60
89.48
6.73
89.48
88.97
46
28.27
Operating margin%
9.40
12.14
13.37
13.90
15.62
16.87
16.44
14.70
12.88
10.24
21.10
14.70
13.63
8
21.49
Net margin%
11.52
10.66
11.43
13.48
11.53
11.76
13.72
12.21
9.56
6.81
10.21
11.76
11.53
84
27.78
P/E ratio (avg)x
44.66
48.80
47.41
47.40
48.50
52.25
49.06
51.45
48.73
45.96
9.908
49.06
48.62
92
19.65
P/TBVx
19.99
19.32
18.57
19.59
21.50
22.10
23.77
25.90
24.87
26.28
17.85
24.87
21.80
11
22.31
P/Bx
14.11
14.70
14.19
15.78
14.00
15.40
14.39
16.12
17.84
15.86
23.67
15.86
15.05
29
4.38
Prem. grth%
8.83
6.73
9.43
11.16
11.02
12.85
15.79
17.56
16.35
17.59
2.90
16.35
12.01
88
7.28
Invest. yld%
6.45
3.84
1.23
2.48
4.32
4.14
1.50
0.40
1.62
4.40
5.78
1.62
3.16
78
24.70
BVPS grth%
4.64
7.48
4.96
4.21
1.23
1.95
0.40
0.40
0.40
1.48
3.67
0.40
1.72
76
19.22
Return on equity%
0.40
1.37
3.63
4.23
5.40
6.54
5.64
7.73
8.23
11.05
28.57
7.73
5.52
80
22.80
Return on assets%
30.21
29.64
27.79
29.99
29.95
29.48
32.34
33.39
36.07
33.87
24.81
33.39
30.10
34
2.86
EPS$
0.77
0.78
0.78
0.78
0.79
0.88
0.98
1.16
1.22
1.40
2.96
12.13%
5.89%
—
8.30
EPS growth%
21.94
23.31
26.04
23.44
21.95
23.20
20.26
17.38
17.47
15.35
3.37
17.47
21.95
31
1.33
Bookvalue per sh$
1.89
1.91
1.77
1.65
1.76
1.85
1.75
1.69
1.85
1.88
2.83
1.37%
(0.15%)
—
1.07
TBV/sh$
3.15
3.69
4.48
4.96
5.43
5.88
5.75
5.95
6.06
7.19
2.97
5.75%
8.86%
—
2.76
Dividend per sh$
4.13
4.36
4.75
4.89
5.51
5.62
5.88
6.92
8.02
8.31
3.39
8.57%
8.90%
—
4.32
Div yield (avg)%
24.38
25.87
23.68
25.74
23.73
25.58
26.57
24.03
24.92
25.18
28.49
25.18
25.05
77
6.64
Payout ratio%
16.54
19.06
20.09
17.84
16.52
15.76
18.32
17.22
18.78
17.90
13.06
17.90
17.87
93
56.72
Shares (diluted)M
51.60
52.86
50.64
43.34
45.86
45.83
40.84
42.63
45.98
45.48
58.76
(0.16%)
(1.12%)
47
27.31
Buyback yield%
26.77
27.91
25.64
23.01
20.40
22.36
19.42
21.61
23.67
24.76
7.11
22.36
23.34
11
1.204
D/E ratiox
1.183
1.294
1.248
1.341
1.394
1.273
1.378
1.223
1.160
1.014
1.335
1.223
1.261
46
0.171
Assets$B
1.049
1.096
1.211
1.309
1.431
1.545
1.697
1.904
2.025
2.267
0.206
9.63%
8.63%
60
271.4
LT debt$M
236.4
241.1
246.9
253.4
231.7
207.2
199.9
203.0
183.1
178.4
35.59
(5.09%)
(3.64%)
51
Revenue
$494.8M
6.48%
1.00×
Claims and benefits
$289.2M
6.47%
1.00×
Total costs
$405.4M
6.39%
0.99×