196.2
Revenue$M
148.6
159.8
171.2
187.4
199.4
218.5
231.5
247.3
266.6
287.3
200.9
7.58%
7.57%
93
19.64
Revenue growth%
26.62
27.63
28.08
28.22
30.67
30.48
31.43
33.11
33.61
32.92
27.35
32.92
30.57
10
25.32
Combined R.%
88.21
86.35
86.59
88.02
86.88
86.94
87.79
87.47
86.62
87.19
12.41
87.19
87.07
57
26.62
Operating margin%
11.77
13.32
11.29
9.35
7.34
4.84
7.31
5.07
2.69
3.37
7.79
4.84
7.33
23
28.94
Net margin%
16.03
16.10
15.44
14.66
12.42
11.83
8.97
10.02
10.13
7.82
17.45
10.02
12.12
85
31.56
P/E ratio (avg)x
33.43
34.16
33.91
33.90
29.76
28.69
31.30
29.07
30.13
29.72
27.75
29.72
30.72
27
23.56
P/TBVx
29.97
27.19
29.50
30.18
31.17
34.12
37.95
40.47
42.79
37.64
28.21
37.95
32.65
84
26.68
P/Bx
15.29
16.94
17.74
18.29
16.97
15.93
15.62
17.68
16.73
18.28
31.23
16.73
16.95
27
24.98
Prem. grth%
14.29
15.28
15.53
18.52
21.26
21.35
21.56
22.95
23.41
22.64
7.73
22.64
21.31
21
9.43
Invest. yld%
30.85
30.47
31.46
28.56
26.73
24.69
25.96
23.95
23.69
20.72
22.40
23.95
26.35
60
29.38
BVPS grth%
5.83
8.46
10.37
8.12
7.46
7.68
8.81
9.42
10.12
12.28
14.75
9.42
8.63
45
7.31
Return on equity%
5.05
7.28
6.21
4.89
6.02
3.60
6.04
7.89
10.25
10.58
12.58
7.89
6.13
94
3.24
Return on assets%
21.11
20.78
22.19
24.82
27.45
29.96
28.64
28.71
31.69
33.58
28.76
29.96
28.05
21
2.11
EPS$
1.00
0.95
1.01
0.94
0.88
0.85
0.84
0.80
0.89
0.86
2.29
(0.46%)
(1.01%)
—
13.57
EPS growth%
13.39
14.29
14.31
13.36
11.11
12.21
12.75
15.38
13.70
15.58
9.22
13.70
13.55
5
2.36
Bookvalue per sh$
1.16
1.36
1.45
1.67
1.88
1.96
2.04
2.24
2.29
2.45
2.07
5.43%
8.14%
—
1.98
TBV/sh$
2.27
2.29
2.65
2.63
2.86
3.40
3.75
4.40
4.31
4.43
2.14
9.20%
6.72%
—
1.52
Dividend per sh$
1.08
1.15
1.19
1.21
1.42
1.59
1.84
1.74
1.65
1.61
1.88
2.65%
5.71%
—
6.54
Div yield (avg)%
25.53
27.67
28.87
30.53
32.70
31.46
31.65
29.37
27.02
24.61
12.29
29.37
29.12
71
28.84
Payout ratio%
19.44
19.97
22.64
20.14
21.21
20.55
19.29
17.28
18.19
19.02
12.97
19.02
19.71
41
41.46
Shares (diluted)M
47.71
51.31
48.19
46.56
51.81
48.70
53.03
49.86
54.86
57.10
42.30
1.96%
2.70%
55
29.76
Buyback yield%
0.40
0.40
0.40
0.40
3.32
4.83
5.24
7.90
9.56
7.07
26.92
7.07
4.08
64
0.966
D/E ratiox
0.634
0.644
0.614
0.619
0.679
0.762
0.888
0.849
0.968
0.936
1.071
0.888
0.720
81
158.8
Assets$M
244.8
274.6
296.6
316.0
355.1
387.0
409.2
462.3
506.4
567.6
165.8
9.83%
9.85%
41
68.39
LT debt$M
58.84
55.44
51.72
58.28
59.65
66.70
73.58
74.75
84.65
95.51
190.8
9.87%
4.15%
81
Revenue
$287.3M
7.57%
1.00×
Claims and benefits
$154.2M
7.59%
1.00×
Total costs
$228.1M
7.56%
1.00×