5.933
Revenue$M
8.815
9.070
9.340
9.268
9.361
9.528
9.902
10.18
10.38
10.70
6.454
2.71%
2.25%
45
26.93
Revenue growth%
19.96
22.90
22.58
25.23
26.71
28.38
28.62
27.46
26.29
29.10
23.00
28.38
26.50
71
7.87
Combined R.%
89.03
87.92
87.97
85.52
88.03
88.12
88.46
87.92
87.52
87.34
17.03
87.92
87.94
27
5.49
Operating margin%
9.57
12.34
14.23
12.47
11.36
9.24
11.93
11.01
12.62
10.21
6.84
11.01
11.65
12
20.75
Net margin%
26.27
24.17
21.68
22.89
21.10
20.99
18.33
20.83
20.43
18.94
12.19
20.43
21.04
67
16.35
P/E ratio (avg)x
6.423
6.201
5.712
5.501
5.708
5.605
5.239
5.139
5.469
5.687
37.93
5.469
5.646
90
6.733
P/TBVx
42.41
50.75
58.59
70.71
70.76
71.75
74.43
85.00
96.20
95.99
15.62
85.00
71.26
53
10.54
P/Bx
12.85
12.13
11.74
12.21
12.38
14.15
14.18
14.49
16.06
16.39
19.76
14.49
13.50
65
22.41
Prem. grth%
23.19
21.53
20.74
18.84
18.70
20.23
22.33
21.96
20.12
18.22
29.80
20.23
20.49
13
5.53
Invest. yld%
32.22
33.13
32.23
33.57
34.82
35.15
37.72
38.16
41.00
38.06
20.71
38.06
34.99
20
12.89
BVPS grth%
6.13
8.92
8.00
9.83
7.64
10.08
12.79
10.64
12.33
14.06
5.47
12.33
9.96
89
23.12
Return on equity%
2.17
5.14
4.41
6.56
4.84
5.22
6.01
6.46
8.65
10.52
29.86
6.46
5.62
94
28.55
Return on assets%
8.97
7.19
7.57
9.97
12.78
13.30
15.85
13.78
13.20
10.29
7.70
13.30
11.53
74
0.74
EPS$
0.81
0.82
0.82
0.87
0.96
1.00
1.14
1.20
1.14
1.26
0.76
5.66%
6.42%
—
28.20
EPS growth%
31.07
28.26
27.40
28.00
26.10
24.32
25.59
23.95
25.38
26.16
28.49
25.38
26.13
56
0.72
Bookvalue per sh$
0.79
0.81
0.91
0.88
0.90
0.88
0.91
1.05
1.07
0.99
0.16
1.83%
1.66%
—
0.95
TBV/sh$
1.33
1.42
1.66
1.67
1.62
1.91
2.19
2.24
2.40
2.33
0.46
7.45%
5.86%
—
0.74
Dividend per sh$
0.20
0.21
0.24
0.23
0.24
0.27
0.31
0.34
0.37
0.38
0.43
9.68%
6.65%
—
13.45
Div yield (avg)%
18.96
20.35
19.44
20.06
17.48
15.84
15.30
15.47
18.47
20.01
25.75
15.84
18.72
37
21.76
Payout ratio%
20.44
22.22
23.09
24.53
24.24
22.35
20.98
23.81
23.07
25.44
14.94
23.07
23.08
63
7.669
Shares (diluted)M
10.94
11.41
12.19
12.90
14.08
15.26
14.05
14.13
14.11
13.83
7.978
(0.35%)
2.70%
63
25.90
Buyback yield%
13.03
12.92
10.66
13.12
12.73
12.30
13.74
10.75
7.81
7.26
4.45
10.75
12.52
63
0.476
D/E ratiox
1.036
1.140
1.142
1.175
1.305
1.431
1.565
1.756
1.783
1.582
0.768
1.582
1.368
39
1.338
Assets$M
7.653
7.814
8.684
9.510
10.43
11.23
11.72
13.18
14.35
15.90
5.351
8.81%
8.45%
12
8.203
LT debt$M
10.31
10.66
12.15
11.80
12.19
12.26
13.58
14.74
17.10
17.68
5.923
7.73%
6.22%
54
Revenue
$10.70M
2.25%
1.00×
Claims and benefits
$5.949M
2.09%
0.98×
Total costs
$8.499M
2.43%
1.02×
Spread over hurdle
21.56%