5.978
Revenue$M
5.207
5.281
5.368
5.573
5.859
6.199
6.469
6.699
6.973
7.072
6.115
3.84%
3.24%
75
4.09
Revenue growth%
22.88
24.56
24.69
23.46
22.59
20.92
20.28
22.09
19.80
22.24
13.41
20.92
22.42
6
10.41
Combined R.%
87.56
88.99
88.10
90.74
89.15
88.96
88.23
89.56
88.89
89.33
7.97
88.96
88.97
77
4.43
Operating margin%
5.68
7.30
8.18
10.22
11.59
9.96
11.03
11.25
10.53
12.02
22.23
11.03
10.37
86
22.67
Net margin%
18.93
17.86
18.03
17.31
18.23
16.73
18.55
21.04
18.83
17.36
25.11
18.55
18.13
7
24.02
P/E ratio (avg)x
57.41
56.48
64.11
67.62
79.06
83.10
89.35
99.48
96.59
100.5
6.104
96.59
81.08
17
15.85
P/TBVx
33.12
34.76
36.28
38.84
35.37
32.32
31.00
34.34
31.36
28.64
9.213
31.36
33.73
74
22.05
P/Bx
16.90
15.35
14.21
13.07
12.26
11.61
12.08
13.27
13.21
11.82
33.86
12.08
13.14
81
28.00
Prem. grth%
7.89
7.22
6.35
7.86
5.29
7.01
5.86
5.42
7.89
10.31
23.77
7.01
7.11
86
19.57
Invest. yld%
16.52
13.67
11.17
8.69
10.16
10.55
10.21
9.65
12.33
11.46
23.39
10.55
10.86
71
22.59
BVPS grth%
0.40
0.40
2.84
1.36
3.60
2.83
1.82
1.36
2.84
0.40
17.19
1.82
1.59
37
14.26
Return on equity%
22.39
20.16
21.58
18.76
21.65
20.48
18.76
20.59
18.25
16.46
10.27
18.76
20.32
71
25.68
Return on assets%
6.13
3.35
5.32
7.58
8.93
11.60
12.62
15.28
12.83
11.86
23.98
12.62
10.27
51
1.59
EPS$
0.33
0.30
0.30
0.31
0.31
0.30
0.32
0.32
0.33
0.33
1.71
1.31%
(1.06%)
—
3.21
EPS growth%
20.49
22.50
19.73
17.54
18.16
20.72
23.01
20.70
19.38
19.98
24.71
20.70
20.23
60
0.88
Bookvalue per sh$
0.90
1.08
1.25
1.43
1.68
1.98
2.28
2.48
2.79
2.78
1.15
10.52%
12.17%
—
0.96
TBV/sh$
1.42
1.52
1.60
1.85
2.04
2.27
2.55
2.90
3.23
3.21
0.73
9.53%
8.31%
—
1.03
Dividend per sh$
0.70
0.78
0.92
1.00
1.12
1.09
1.12
1.25
1.23
1.38
1.24
4.33%
8.77%
—
4.45
Div yield (avg)%
21.51
20.51
22.49
22.96
23.28
23.21
24.76
25.15
22.16
21.73
17.93
23.21
22.72
47
2.30
Payout ratio%
28.33
30.07
28.01
28.75
26.70
25.29
23.32
20.35
22.15
24.25
24.03
23.32
25.99
39
3.756
Shares (diluted)M
4.523
4.085
4.088
3.931
3.515
3.188
3.201
2.977
3.065
3.041
3.851
(2.86%)
(4.32%)
92
7.12
Buyback yield%
24.94
22.26
24.07
25.97
24.73
26.40
25.33
27.02
28.14
25.36
17.26
26.40
25.35
84
1.380
D/E ratiox
0.542
0.571
0.570
0.576
0.630
0.667
0.718
0.745
0.786
0.749
0.481
0.745
0.649
38
3.873
Assets$M
3.770
4.231
4.582
5.094
5.326
5.893
6.468
6.968
7.659
7.976
2.296
8.41%
8.95%
75
3.940
LT debt$M
6.067
5.636
5.732
5.477
5.752
5.799
6.644
7.477
7.733
7.890
0.541
6.53%
3.88%
20
Revenue
$7.072M
3.24%
1.00×
Claims and benefits
$3.777M
3.38%
1.01×
Total costs
$5.826M
3.46%
1.02×
Spread over hurdle
28.42%