70.82
Revenue$M
251.9
278.4
305.2
330.8
363.8
395.8
433.5
477.3
513.9
542.8
74.39
8.33%
9.02%
28
28.42
Revenue growth%
23.91
25.89
22.91
24.46
25.21
27.14
28.81
29.67
30.98
33.86
20.48
29.67
26.51
95
15.89
Combined R.%
93.46
94.22
91.81
92.99
93.41
92.96
92.70
93.04
93.46
94.05
15.56
93.04
93.23
92
4.47
Operating margin%
28.01
25.09
25.95
26.30
25.15
24.29
26.41
26.32
27.21
24.59
10.72
26.32
26.12
24
25.92
Net margin%
7.82
5.01
7.54
10.45
13.00
12.26
10.06
12.59
14.90
13.29
25.18
12.59
11.35
84
10.85
P/E ratio (avg)x
18.35
18.41
19.56
20.65
23.51
23.52
23.98
23.90
23.76
26.40
7.518
23.90
23.51
33
18.50
P/TBVx
34.81
31.92
34.53
33.49
31.57
33.78
30.77
31.82
29.22
28.36
12.38
30.77
31.87
89
26.73
P/Bx
14.34
15.61
15.20
14.97
15.74
14.97
14.37
16.46
16.93
16.06
22.93
16.06
15.41
12
12.50
Prem. grth%
21.76
21.91
22.17
23.66
26.23
24.44
23.66
24.99
26.02
26.80
7.95
24.99
24.05
92
15.04
Invest. yld%
10.64
11.20
14.11
15.88
14.99
16.54
19.50
17.29
20.21
22.71
28.34
19.50
16.21
76
7.93
BVPS grth%
6.89
8.43
6.80
9.12
10.15
10.60
10.30
8.85
10.58
12.12
6.73
10.58
9.64
79
24.81
Return on equity%
2.22
1.73
0.69
0.40
0.40
0.64
3.19
1.45
0.61
1.43
6.35
1.43
1.06
7
19.50
Return on assets%
23.05
24.40
23.59
24.18
22.31
19.83
19.69
20.95
21.76
24.42
6.76
20.95
22.68
5
9.07
EPS$
7.52
6.94
7.26
7.47
6.47
6.96
6.59
6.30
5.38
5.51
9.61
(3.15%)
(2.90%)
—
15.04
EPS growth%
5.20
4.05
6.37
9.03
11.15
13.53
13.49
14.54
15.97
15.50
24.73
14.54
12.32
9
4.79
Bookvalue per sh$
6.44
6.36
5.99
5.59
5.87
6.60
6.20
5.95
6.47
7.07
3.66
3.77%
0.94%
—
6.44
TBV/sh$
4.58
4.90
5.23
5.30
4.82
4.41
4.18
4.10
3.98
3.95
10.99
(3.93%)
(2.54%)
—
8.99
Dividend per sh$
4.56
4.97
4.85
5.38
6.33
6.43
6.84
7.76
8.68
8.29
6.72
5.54%
6.89%
—
8.38
Div yield (avg)%
9.19
10.35
12.18
10.03
11.98
13.31
12.71
11.28
12.86
13.30
18.68
12.86
12.08
83
22.12
Payout ratio%
1.78
2.14
0.40
0.40
1.13
1.14
0.92
1.32
0.40
1.46
6.73
1.14
1.14
26
45.63
Shares (diluted)M
67.94
75.76
88.98
100.7
108.9
108.9
108.7
106.6
117.9
129.0
44.94
3.44%
7.23%
52
11.66
Buyback yield%
25.98
28.77
26.71
27.82
28.38
31.30
32.14
31.54
33.34
35.89
22.23
32.14
30.04
17
1.344
D/E ratiox
2.403
2.724
3.136
3.356
3.834
4.426
4.726
4.584
4.699
4.787
1.350
4.699
4.130
37
0.283
Assets$B
0.631
0.680
0.746
0.823
0.853
0.940
1.040
1.111
1.237
1.278
0.085
8.41%
8.40%
77
131.0
LT debt$M
174.0
194.9
210.7
208.0
233.6
241.0
228.7
205.5
194.5
213.7
111.6
(1.76%)
1.59%
23
Revenue
$542.8M
9.02%
1.00×
Claims and benefits
$315.9M
9.21%
1.02×
Total costs
$467.1M
9.01%
1.00×