217.9
Revenue$M
321.3
334.4
341.2
357.5
363.1
364.0
373.0
382.0
390.0
408.5
232.1
2.38%
2.75%
51
12.51
Revenue growth%
12.96
11.41
14.23
13.73
12.13
12.02
12.37
15.21
12.93
14.68
7.95
12.93
12.95
89
9.05
Combined R.%
78.34
80.14
79.57
79.58
80.75
79.69
81.18
81.28
80.89
80.63
12.04
80.89
80.38
48
20.63
Operating margin%
22.72
24.17
26.20
25.25
23.96
21.54
21.95
20.52
20.96
19.17
16.76
20.96
22.33
81
29.17
Net margin%
18.45
15.60
15.74
17.86
19.77
17.45
15.51
15.99
14.81
16.99
8.80
15.99
16.49
78
18.52
P/E ratio (avg)x
17.39
16.60
18.91
18.72
17.38
16.26
16.15
18.14
17.97
19.64
10.70
17.97
17.68
34
17.14
P/TBVx
48.17
53.07
57.14
64.37
66.08
69.87
77.21
77.18
87.01
98.83
27.72
77.21
67.98
28
19.84
P/Bx
42.11
46.38
47.22
55.78
65.36
64.39
67.27
72.03
71.98
74.82
22.72
71.98
64.87
74
16.45
Prem. grth%
13.74
11.89
11.72
9.65
7.00
8.74
7.39
9.84
9.80
7.94
8.27
8.74
9.72
66
24.56
Invest. yld%
0.85
3.56
1.53
0.40
0.40
0.40
0.40
0.40
1.83
3.71
29.34
0.40
0.62
54
8.55
BVPS grth%
4.08
4.67
6.69
5.70
7.05
9.31
8.80
8.40
6.03
6.78
7.07
8.40
6.74
87
23.37
Return on equity%
12.33
14.06
14.98
12.48
11.00
12.53
12.36
15.28
17.10
19.62
21.68
15.28
13.30
55
9.66
Return on assets%
23.88
24.59
26.35
24.44
27.03
26.29
28.46
25.80
24.57
26.04
4.76
26.04
25.92
75
22.45
EPS$
34.28
40.65
49.12
48.56
55.05
55.56
58.87
66.08
75.43
74.93
22.93
6.36%
9.22%
—
13.62
EPS growth%
27.98
25.61
25.05
27.76
24.79
26.09
26.27
27.82
25.59
27.72
29.66
26.27
26.18
18
11.29
Bookvalue per sh$
25.32
27.48
28.99
34.17
37.72
37.36
40.87
42.35
49.95
50.56
8.40
6.03%
7.68%
—
9.06
TBV/sh$
10.77
11.53
12.70
12.61
12.66
13.16
12.87
11.79
12.49
13.37
8.75
1.09%
3.61%
—
14.25
Dividend per sh$
7.58
8.31
8.23
9.19
8.67
9.09
8.57
8.91
10.06
11.74
6.88
6.24%
6.17%
—
6.27
Div yield (avg)%
22.91
23.23
26.20
28.63
26.08
28.15
29.69
30.89
29.48
28.12
24.25
29.48
28.13
93
12.32
Payout ratio%
1.24
3.19
6.17
5.02
4.00
2.94
4.55
3.46
4.01
2.20
22.32
3.46
3.73
13
14.84
Shares (diluted)M
13.39
14.24
12.17
11.21
11.35
10.61
11.50
9.982
8.617
8.958
14.52
(4.63%)
(4.30%)
83
11.11
Buyback yield%
20.83
23.11
23.05
25.14
23.70
22.18
22.32
24.90
25.70
25.10
3.84
24.90
23.41
53
0.382
D/E ratiox
0.395
0.391
0.437
0.457
0.524
0.599
0.581
0.602
0.683
0.708
0.855
0.602
0.552
88
0.335
Assets$B
1.258
1.404
1.493
1.635
1.807
1.935
2.074
2.239
2.468
2.704
0.117
8.39%
8.95%
71
468.3
LT debt$M
87.63
87.62
79.41
78.28
75.81
69.48
63.32
57.84
50.98
44.28
307.3
(10.20%)
(6.85%)
95
Revenue
$408.5M
2.75%
1.00×
Claims and benefits
$209.5M
2.82%
1.01×
Total costs
$305.9M
2.91%
1.02×