5.793
Revenue$M
34.70
36.23
38.48
39.64
41.68
44.03
46.91
48.32
51.28
53.97
6.097
5.30%
5.00%
50
3.30
Revenue growth%
29.70
29.92
28.62
28.98
31.19
30.40
29.98
30.91
33.03
30.81
10.35
30.81
30.19
16
17.39
Combined R.%
84.01
83.37
82.12
84.38
83.80
84.19
82.77
83.22
83.24
83.48
2.60
83.24
83.43
60
13.40
Operating margin%
13.00
13.32
14.12
11.62
9.49
11.49
9.78
7.71
9.63
12.05
19.44
9.78
11.56
67
7.21
Net margin%
10.75
12.59
14.43
12.76
14.36
13.89
11.10
10.02
7.55
4.72
4.71
10.02
11.84
69
20.43
P/E ratio (avg)x
26.98
24.75
26.27
28.96
26.52
25.59
23.20
21.77
19.69
19.69
20.14
21.77
25.17
77
30.98
P/TBVx
9.312
8.394
8.456
7.792
8.638
8.597
9.157
9.236
8.902
10.02
15.98
9.157
8.770
20
12.96
P/Bx
18.47
16.86
16.81
16.17
17.58
17.25
18.42
20.22
21.46
21.06
7.483
20.22
18.00
79
26.37
Prem. grth%
21.55
24.36
24.17
24.91
24.41
22.72
24.53
24.94
27.09
27.91
25.66
24.94
24.47
39
12.09
Invest. yld%
26.42
27.85
29.05
27.27
27.02
28.26
25.83
24.96
25.91
23.66
22.33
25.83
26.72
40
27.19
BVPS grth%
14.45
16.28
17.24
17.64
17.53
18.66
17.78
19.59
20.44
22.97
22.96
19.59
17.71
66
16.56
Return on equity%
16.94
14.94
13.15
10.84
8.10
9.54
9.72
11.37
11.37
11.38
22.24
11.37
11.37
14
19.26
Return on assets%
31.15
28.52
30.60
28.94
29.21
28.81
28.65
28.76
30.63
33.13
26.86
28.81
29.07
14
1.26
EPS$
3.69
4.12
4.76
4.90
5.37
6.28
6.05
6.31
5.96
6.88
1.40
5.07%
6.78%
—
4.33
EPS growth%
25.97
25.66
26.71
24.85
24.10
23.37
20.58
21.33
21.16
19.71
23.61
21.16
23.74
84
3.10
Bookvalue per sh$
3.31
3.37
3.44
4.03
4.58
4.94
5.62
6.22
7.24
8.09
0.63
12.08%
9.64%
—
2.22
TBV/sh$
1.21
1.06
0.92
0.83
0.77
0.81
0.88
0.76
0.67
0.67
2.80
(2.85%)
(6.57%)
—
1.50
Dividend per sh$
2.04
1.98
2.11
1.79
1.74
1.52
1.61
1.45
1.30
1.10
2.84
(8.84%)
(6.06%)
—
9.61
Div yield (avg)%
7.40
7.43
6.56
5.07
2.18
0.40
0.40
0.99
1.13
0.40
19.81
0.40
1.65
45
15.27
Payout ratio%
27.65
27.75
28.83
29.95
32.62
33.43
30.45
29.45
29.13
31.82
26.61
30.45
29.70
59
14.86
Shares (diluted)M
12.85
13.01
14.21
14.69
15.64
16.26
16.61
15.15
15.08
13.29
14.23
(3.21%)
(0.04%)
55
14.64
Buyback yield%
6.45
6.04
7.73
5.68
5.00
4.67
4.79
3.39
2.07
0.42
12.62
3.39
4.90
13
0.145
D/E ratiox
1.319
1.137
1.168
1.233
1.253
1.333
1.436
1.413
1.264
1.108
0.650
1.333
1.259
35
39.73
Assets$M
76.67
81.40
89.22
95.49
106.3
117.4
125.8
138.0
148.1
161.7
58.89
8.74%
8.59%
54
25.23
LT debt$M
26.11
29.18
32.34
28.58
25.74
25.88
23.63
22.82
25.17
22.91
68.16
(2.30%)
(1.01%)
7
Revenue
$53.97M
5.00%
1.00×
Claims and benefits
$30.87M
4.92%
0.99×
Total costs
$41.36M
4.75%
0.98×