500.1
Revenue$M
450.3
483.4
501.7
522.9
563.0
582.4
623.7
650.4
679.0
704.5
527.5
4.59%
5.24%
63
4.60
Revenue growth%
30.42
29.53
30.30
32.22
34.14
35.13
37.01
37.88
37.91
36.93
11.06
37.01
34.63
71
5.64
Combined R.%
79.55
79.14
77.42
77.25
79.10
79.10
77.60
76.77
77.83
79.14
18.24
77.83
78.46
32
14.14
Operating margin%
12.70
14.78
11.83
11.82
14.39
15.59
16.78
17.60
16.88
17.68
27.90
16.88
15.18
39
28.01
Net margin%
8.36
7.42
4.79
4.09
3.75
2.42
0.40
0.40
0.40
0.40
29.62
0.40
3.08
86
12.55
P/E ratio (avg)x
35.01
31.80
31.29
30.93
29.22
27.86
29.29
29.90
31.51
30.10
18.80
29.90
30.52
53
36.90
P/TBVx
50.16
50.61
58.80
61.06
73.21
74.84
86.64
86.79
96.87
111.3
12.30
86.79
74.03
64
24.73
P/Bx
15.75
15.54
16.93
18.96
22.53
25.12
26.60
30.67
34.00
38.34
30.88
30.67
23.83
44
27.96
Prem. grth%
4.54
2.77
0.40
0.40
0.40
0.95
0.40
2.21
1.82
4.25
18.98
1.82
1.39
56
12.86
Invest. yld%
20.34
20.28
22.15
22.12
24.78
22.15
24.09
22.73
24.17
22.37
13.98
22.73
22.26
9
8.53
BVPS grth%
16.05
17.36
19.28
22.05
22.00
22.30
20.03
19.37
21.13
18.79
10.12
20.03
19.70
42
4.79
Return on equity%
22.12
21.85
20.86
18.72
20.52
22.58
21.43
22.17
21.36
24.11
4.02
22.17
21.64
65
6.57
Return on assets%
19.05
21.18
20.89
18.76
18.87
17.32
17.93
17.15
15.48
16.56
4.08
17.15
18.34
35
0.91
EPS$
1.08
1.15
1.05
0.94
0.84
0.78
0.72
0.78
0.81
0.85
0.96
0.32%
(3.59%)
—
13.50
EPS growth%
18.02
18.89
20.49
22.62
23.39
23.46
25.84
28.09
25.61
25.74
18.84
25.74
23.43
25
2.55
Bookvalue per sh$
1.48
1.64
1.76
1.79
1.87
2.14
2.18
2.32
2.43
2.74
1.92
7.93%
7.57%
—
1.19
TBV/sh$
2.11
2.42
2.68
3.03
3.18
3.71
4.06
4.38
4.48
4.42
1.17
6.84%
9.03%
—
0.83
Dividend per sh$
2.96
2.93
2.99
2.92
2.76
2.45
2.60
2.61
2.79
2.81
0.74
0.36%
(0.75%)
—
12.25
Div yield (avg)%
4.84
2.90
5.46
4.16
1.69
0.40
0.40
0.40
0.40
0.40
18.56
0.40
1.04
65
26.75
Payout ratio%
1.47
4.22
5.21
5.55
4.11
3.01
5.85
4.42
5.38
3.77
15.46
4.42
4.32
60
119.9
Shares (diluted)M
167.7
189.6
207.3
218.5
224.0
259.9
265.0
311.1
329.7
349.3
116.6
9.29%
9.03%
18
27.46
Buyback yield%
6.06
5.85
7.12
8.64
6.31
6.81
6.67
3.92
2.21
0.40
4.86
3.92
6.19
56
0.206
D/E ratiox
0.570
0.520
0.536
0.593
0.620
0.580
0.617
0.686
0.760
0.759
1.654
0.686
0.605
14
0.471
Assets$B
0.842
0.922
0.977
1.022
1.112
1.203
1.295
1.434
1.524
1.588
0.181
7.39%
7.32%
93
219.6
LT debt$M
95.44
103.3
117.3
108.6
111.2
125.2
125.7
134.6
152.0
162.8
611.2
7.92%
4.84%
30
Revenue
$704.5M
5.24%
1.00×
Claims and benefits
$360.4M
5.08%
0.98×
Total costs
$517.9M
5.24%
1.00×