73.07
Revenue$M
214.2
222.9
236.9
245.0
253.2
262.5
269.3
279.4
286.8
304.3
75.45
3.74%
4.02%
34
12.92
Revenue growth%
0.75
1.17
0.40
0.56
1.72
4.33
2.69
3.38
3.14
3.47
9.98
3.38
2.21
17
18.83
Combined R.%
91.20
93.61
91.64
92.57
93.09
93.53
92.30
92.77
92.75
91.84
8.30
92.75
92.66
46
16.21
Operating margin%
22.07
23.76
23.34
25.79
23.72
21.81
19.11
19.02
17.69
16.69
2.91
19.02
21.94
6
10.80
Net margin%
15.96
13.76
13.42
13.10
12.61
12.23
12.83
9.94
11.78
10.11
25.71
11.78
12.72
42
15.44
P/E ratio (avg)x
47.42
44.45
47.24
45.07
41.52
43.56
42.99
48.26
45.28
42.57
12.64
43.56
44.76
65
10.38
P/TBVx
54.95
55.85
57.20
56.80
61.00
70.24
71.77
77.82
83.76
80.52
9.195
77.82
65.62
34
25.48
P/Bx
18.15
16.27
16.24
15.58
15.88
13.72
12.95
13.77
12.38
11.11
10.53
12.95
14.68
12
18.21
Prem. grth%
6.68
8.66
8.48
6.17
5.91
6.56
8.63
11.34
10.58
9.53
9.93
9.53
8.55
71
25.44
Invest. yld%
21.70
23.95
26.70
28.70
30.04
29.76
27.44
26.34
23.83
25.68
12.45
26.34
26.52
20
19.19
BVPS grth%
0.40
0.75
0.40
0.78
0.40
0.40
0.40
2.02
3.46
4.61
22.36
2.02
0.58
56
9.04
Return on equity%
20.32
23.03
21.11
19.36
22.31
21.95
21.27
20.60
19.14
19.97
16.39
20.60
20.86
11
17.86
Return on assets%
21.33
23.33
22.52
24.32
24.45
21.64
22.58
21.31
22.02
22.92
6.41
22.02
22.55
47
6.78
EPS$
4.26
4.50
4.29
4.13
4.47
4.55
4.98
5.19
4.91
4.66
7.45
0.85%
0.26%
—
27.79
EPS growth%
14.57
17.24
16.28
18.99
21.31
21.73
21.76
21.63
23.49
21.25
19.44
21.73
21.28
90
1.38
Bookvalue per sh$
1.54
1.51
1.47
1.68
1.69
1.88
1.97
2.35
2.68
2.73
3.76
10.14%
7.77%
—
4.80
TBV/sh$
2.45
2.74
3.21
3.78
3.97
4.12
4.79
5.60
5.47
5.62
4.96
7.17%
10.11%
—
2.81
Dividend per sh$
3.52
3.94
4.27
4.45
4.40
4.55
4.68
4.59
4.54
4.75
3.90
1.55%
3.18%
—
21.52
Div yield (avg)%
10.42
9.81
10.80
9.96
10.13
7.44
6.85
9.05
6.33
6.85
2.75
6.85
9.43
14
29.65
Payout ratio%
32.20
29.45
29.80
32.03
32.82
34.09
36.86
36.73
36.70
35.58
22.82
36.70
33.46
18
15.13
Shares (diluted)M
19.85
18.87
18.50
20.25
19.03
18.07
17.01
19.06
21.96
25.15
15.27
5.73%
2.39%
59
24.02
Buyback yield%
28.00
30.40
28.74
28.42
31.07
29.00
29.37
30.21
32.70
32.54
19.63
30.21
29.79
14
1.141
D/E ratiox
0.336
0.334
0.320
0.322
0.311
0.338
0.399
0.380
0.432
0.466
1.710
0.399
0.337
22
0.094
Assets$B
0.670
0.707
0.769
0.823
0.910
1.005
1.063
1.109
1.214
1.286
0.075
7.16%
7.35%
81
226.8
LT debt$M
201.8
214.8
229.0
236.6
263.7
261.6
258.1
239.9
222.8
207.2
93.36
(4.71%)
(0.34%)
25
Revenue
$304.3M
4.02%
1.00×
Claims and benefits
$181.4M
3.87%
0.99×
Total costs
$254.3M
3.82%
0.98×