62.52
Revenue$M
77.77
84.59
90.77
96.53
102.9
108.9
118.3
125.9
135.6
144.6
64.37
7.04%
7.33%
41
24.83
Revenue growth%
6.26
4.93
7.26
5.90
5.32
6.87
4.82
4.24
4.31
4.18
10.85
4.31
5.13
14
12.15
Combined R.%
85.90
84.25
84.16
84.54
84.14
86.75
85.70
85.46
85.77
85.97
28.73
85.77
85.58
92
5.99
Operating margin%
7.17
7.64
10.03
7.36
6.52
4.84
3.27
2.52
0.40
0.40
14.95
2.52
5.68
63
15.40
Net margin%
17.31
16.83
18.27
17.30
18.87
19.38
18.23
19.96
22.73
21.28
27.47
19.96
18.57
47
23.25
P/E ratio (avg)x
64.33
76.60
74.39
79.37
90.82
108.1
113.2
115.3
121.0
143.5
22.99
115.3
99.48
29
17.93
P/TBVx
26.30
28.07
25.24
25.67
24.71
25.32
26.08
29.01
31.32
28.35
13.69
28.35
26.19
65
30.57
P/Bx
25.14
27.33
25.57
26.82
29.53
31.58
29.88
31.25
31.33
31.38
31.94
31.33
29.71
51
10.18
Prem. grth%
11.37
9.85
7.42
8.10
7.85
7.39
9.70
12.13
10.10
12.39
28.21
10.10
9.78
31
16.87
Invest. yld%
19.96
20.10
22.08
22.38
23.33
22.52
22.07
23.03
24.98
24.74
6.30
23.03
22.45
72
22.32
BVPS grth%
29.43
31.83
32.12
31.43
33.77
35.16
32.85
31.77
31.17
33.97
3.71
32.85
31.97
7
6.89
Return on equity%
20.53
20.97
21.77
23.68
25.66
25.21
25.87
25.48
23.93
23.94
23.92
25.21
23.93
61
17.16
Return on assets%
13.97
16.87
17.23
18.65
19.40
20.70
22.93
24.68
27.65
29.12
13.91
24.68
20.05
63
0.68
EPS$
0.86
0.93
1.04
1.12
1.28
1.45
1.38
1.37
1.48
1.47
0.69
2.74%
7.14%
—
27.74
EPS growth%
12.01
12.90
15.15
17.44
17.13
16.38
18.86
17.54
18.12
21.07
18.85
18.12
17.29
81
2.80
Bookvalue per sh$
3.29
3.37
3.84
4.00
4.19
4.65
5.03
4.82
4.44
4.68
1.00
2.23%
3.73%
—
0.56
TBV/sh$
2.54
2.95
3.01
3.15
3.33
3.43
3.50
4.00
4.23
4.32
0.41
5.30%
5.39%
—
1.37
Dividend per sh$
2.12
2.26
2.13
2.35
2.18
2.00
1.88
1.68
1.54
1.55
0.40
(6.53%)
(2.74%)
—
11.13
Div yield (avg)%
3.14
4.47
1.93
4.91
5.42
2.55
4.76
6.79
6.09
3.96
10.90
4.76
4.62
23
12.34
Payout ratio%
19.27
22.13
24.94
25.20
22.46
25.04
27.58
29.00
26.29
26.05
18.86
26.29
25.12
47
38.06
Shares (diluted)M
58.74
66.75
65.47
70.16
74.26
77.31
84.61
92.32
97.96
106.3
37.08
7.44%
7.36%
19
11.73
Buyback yield%
4.97
3.19
0.73
3.26
4.58
6.14
3.56
3.86
2.93
5.77
20.22
3.86
3.71
60
1.757
D/E ratiox
0.636
0.661
0.584
0.553
0.502
0.547
0.604
0.648
0.649
0.658
1.539
0.648
0.620
81
154.5
Assets$M
187.8
198.6
219.3
238.3
265.8
291.4
316.8
332.0
349.6
398.3
140.9
8.43%
8.41%
9
66.00
LT debt$M
8.501
7.503
6.849
6.952
6.718
5.853
5.264
5.661
5.196
5.581
116.6
(3.64%)
(4.12%)
35
Revenue
$144.6M
7.33%
1.00×
Claims and benefits
$85.97M
7.51%
1.02×
Total costs
$113.7M
7.50%
1.02×
Spread over hurdle
12.53%