2.434
Revenue$M
1.559
1.607
1.627
1.657
1.736
1.766
1.846
1.872
1.893
1.995
2.592
2.82%
2.80%
59
14.56
Revenue growth%
7.43
9.89
10.19
9.41
11.24
12.69
12.18
14.51
12.25
10.96
6.25
12.25
11.10
58
6.41
Combined R.%
77.67
78.19
76.12
76.24
76.09
78.35
76.94
76.59
76.59
77.46
18.89
76.94
76.76
57
18.28
Operating margin%
7.47
7.89
6.73
9.03
8.83
10.16
7.75
8.19
7.63
6.08
16.21
7.75
7.82
53
21.25
Net margin%
7.97
5.36
3.95
3.70
6.65
5.83
6.41
9.21
12.20
15.06
4.86
9.21
6.53
31
20.93
P/E ratio (avg)x
25.68
27.92
29.51
29.49
27.80
32.23
31.40
29.82
33.22
35.61
14.39
32.23
29.67
16
30.46
P/TBVx
14.84
15.02
13.99
13.92
13.13
13.28
14.10
13.30
13.06
12.66
18.43
13.28
13.61
43
11.04
P/Bx
35.36
33.52
31.76
35.71
34.53
33.59
32.03
33.70
32.38
30.58
12.91
32.38
33.56
54
23.53
Prem. grth%
0.40
0.60
1.32
0.40
0.40
0.40
2.92
2.77
5.26
5.97
14.30
2.92
0.96
86
4.82
Invest. yld%
26.15
24.95
22.15
25.08
22.37
21.13
21.06
23.68
25.90
28.57
17.69
23.68
24.32
72
11.95
BVPS grth%
27.39
27.26
28.39
25.96
23.21
25.66
26.72
27.51
27.08
24.69
29.86
26.72
26.90
52
5.75
Return on equity%
6.85
7.48
6.42
5.88
5.66
3.49
5.27
6.44
5.22
5.89
9.35
5.27
5.89
65
21.34
Return on assets%
8.14
8.09
6.87
5.53
2.85
2.88
2.01
0.40
0.40
1.21
14.04
1.21
2.86
22
0.06
EPS$
0.08
0.09
0.09
0.09
0.09
0.09
0.10
0.09
0.08
0.08
0.06
(3.09%)
0.29%
—
3.96
EPS growth%
27.18
25.09
26.61
29.20
31.23
28.86
29.71
32.48
32.46
34.47
25.20
32.46
29.45
48
0.05
Bookvalue per sh$
0.05
0.06
0.06
0.06
0.07
0.07
0.08
0.10
0.10
0.09
0.09
6.72%
7.20%
—
0.09
TBV/sh$
0.03
0.03
0.03
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.06
(3.28%)
(4.40%)
—
0.07
Dividend per sh$
0.08
0.07
0.07
0.08
0.07
0.08
0.07
0.07
0.08
0.08
0.09
1.44%
0.73%
—
28.71
Div yield (avg)%
12.16
10.66
8.59
5.83
7.21
9.95
12.60
10.05
12.17
12.01
19.74
12.01
10.36
9
5.36
Payout ratio%
16.09
18.06
15.09
13.07
15.86
15.24
13.67
13.12
10.40
8.41
25.49
13.12
14.38
69
8.376
Shares (diluted)M
9.572
10.08
10.18
10.86
12.01
11.79
12.88
12.57
14.75
15.87
8.177
5.72%
5.38%
24
12.85
Buyback yield%
29.82
28.65
28.81
28.14
29.97
31.68
32.85
32.76
33.12
32.17
19.68
32.76
30.82
54
0.817
D/E ratiox
0.156
0.156
0.171
0.185
0.183
0.181
0.191
0.213
0.251
0.285
0.549
0.213
0.184
17
1.913
Assets$M
1.324
1.457
1.631
1.730
1.870
2.081
2.261
2.406
2.539
2.740
1.341
7.93%
7.80%
72
0.437
LT debt$M
0.505
0.517
0.532
0.507
0.520
0.536
0.519
0.567
0.510
0.529
2.001
0.36%
0.53%
57
Revenue
$1.995M
2.80%
1.00×
Claims and benefits
$1.044M
2.91%
1.01×
Total costs
$1.415M
3.06%
1.03×