37.47
Revenue$M
48.15
49.56
52.16
53.26
54.39
55.23
56.02
57.21
59.48
63.02
40.97
2.99%
3.10%
94
19.30
Revenue growth%
18.61
19.86
20.49
18.54
18.63
19.52
19.25
18.35
19.82
20.95
13.16
19.52
19.38
35
29.30
Combined R.%
81.44
80.69
82.40
80.28
81.50
81.32
80.25
81.66
81.02
79.34
26.28
81.02
81.17
26
11.96
Operating margin%
15.91
15.57
15.52
16.75
13.85
12.34
13.82
14.28
16.94
14.49
21.90
14.28
15.00
46
18.13
Net margin%
13.72
13.17
12.86
10.21
9.71
8.80
11.40
12.44
11.94
10.27
19.47
11.40
11.67
19
23.56
P/E ratio (avg)x
27.66
27.76
28.96
29.32
29.80
29.87
28.42
31.82
34.89
35.81
36.68
31.82
29.56
19
36.74
P/TBVx
24.32
23.49
20.64
20.62
22.05
24.17
26.09
28.48
30.09
31.37
15.24
28.48
24.24
50
24.08
P/Bx
40.76
38.73
36.47
42.75
47.80
55.36
63.23
72.87
83.16
86.65
26.68
72.87
51.58
95
22.93
Prem. grth%
29.02
27.45
27.68
25.83
28.32
25.90
23.29
26.11
26.05
23.15
11.10
25.90
26.08
50
15.98
Invest. yld%
0.40
2.82
3.59
5.64
6.99
6.81
6.85
9.52
9.83
7.90
18.59
7.90
6.83
87
20.26
BVPS grth%
11.60
8.92
10.00
9.55
7.12
8.14
10.33
11.73
9.62
7.80
7.27
9.62
9.59
79
26.69
Return on equity%
9.34
6.56
4.81
6.98
6.78
5.60
5.69
3.08
2.91
4.59
7.26
4.59
5.64
38
3.82
Return on assets%
11.84
12.99
15.66
17.51
15.65
14.91
12.23
11.67
9.12
8.41
26.83
11.67
12.61
47
0.29
EPS$
1.63
1.66
1.65
1.91
2.29
2.68
2.99
3.56
3.98
4.63
0.31
15.13%
12.78%
—
6.55
EPS growth%
25.12
27.54
24.96
27.02
29.80
27.67
25.11
22.24
19.25
18.36
18.16
22.24
25.11
40
1.18
Bookvalue per sh$
1.90
1.87
1.73
1.92
2.14
2.20
2.14
2.38
2.45
2.44
0.88
2.72%
3.66%
—
1.53
TBV/sh$
0.77
0.80
0.73
0.63
0.59
0.60
0.61
0.64
0.62
0.60
0.75
0.57%
(1.85%)
—
1.00
Dividend per sh$
0.27
0.28
0.25
0.27
0.29
0.27
0.25
0.23
0.24
0.26
1.23
(2.22%)
0.60%
—
3.89
Div yield (avg)%
6.85
4.97
3.42
2.60
0.40
1.17
1.36
0.40
0.40
2.54
29.32
1.17
1.95
39
3.86
Payout ratio%
25.52
23.34
23.33
26.27
27.61
27.85
26.67
24.37
22.57
24.99
11.90
24.99
25.26
87
26.59
Shares (diluted)M
34.73
34.38
35.97
37.97
41.35
48.38
49.04
57.06
55.96
61.05
25.36
8.10%
5.79%
39
8.38
Buyback yield%
0.40
1.78
0.64
0.40
0.40
0.40
1.15
0.47
0.40
3.20
8.13
0.47
0.44
14
1.279
D/E ratiox
0.769
0.851
0.975
1.056
1.063
1.062
1.225
1.313
1.242
1.169
0.325
1.225
1.063
30
49.91
Assets$M
56.06
61.67
66.33
71.12
80.28
84.97
89.37
96.52
104.9
111.1
34.20
6.72%
7.86%
88
4.070
LT debt$M
13.53
13.45
14.54
13.62
13.90
12.96
12.49
13.02
13.99
14.27
41.23
0.53%
0.67%
33
Revenue
$63.02M
3.10%
1.00×
Claims and benefits
$34.58M
2.97%
0.99×
Total costs
$45.56M
2.95%
0.99×