498.0
Revenue$M
547.6
564.9
570.9
595.2
610.9
614.5
631.7
653.3
672.3
678.0
551.9
2.11%
2.29%
13
27.64
Revenue growth%
28.35
27.86
29.86
29.68
27.88
30.58
29.98
27.90
29.89
29.04
2.07
29.89
29.36
85
15.38
Combined R.%
87.64
87.56
89.09
86.51
88.18
87.24
89.01
88.25
88.94
88.09
26.16
88.25
88.13
85
26.70
Operating margin%
14.02
11.95
13.56
14.42
12.35
12.00
13.65
14.86
14.37
14.09
12.08
14.09
13.84
69
6.61
Net margin%
7.48
5.43
4.56
5.94
7.05
4.39
1.92
0.48
2.94
3.13
9.58
2.94
4.47
74
12.27
P/E ratio (avg)x
9.138
8.304
7.627
7.794
7.778
8.223
9.003
9.453
8.733
8.966
22.88
8.966
8.519
12
14.44
P/TBVx
14.83
13.04
13.06
14.24
15.00
14.62
15.97
14.67
12.94
12.22
26.58
14.62
14.43
21
11.25
P/Bx
26.65
27.34
26.58
27.84
29.85
28.96
30.63
34.04
36.53
34.00
32.96
34.00
29.40
27
6.38
Prem. grth%
34.08
36.43
37.37
38.47
39.20
39.31
36.73
37.78
39.01
38.20
5.86
38.20
37.99
13
19.01
Invest. yld%
2.95
3.37
3.99
3.89
3.59
2.44
3.35
1.72
3.43
3.61
6.50
3.35
3.40
46
5.41
BVPS grth%
0.40
2.86
5.21
3.53
5.19
7.26
10.13
11.27
10.75
10.10
18.35
10.13
6.23
66
4.36
Return on equity%
21.51
23.82
23.29
22.54
22.93
21.32
18.59
17.35
15.81
18.29
26.20
18.29
21.41
65
24.61
Return on assets%
30.75
33.69
34.93
33.52
32.14
30.84
32.23
29.28
28.27
27.26
9.24
29.28
31.49
53
2.58
EPS$
1.01
0.97
0.98
1.09
1.06
1.15
1.17
1.28
1.28
1.34
2.84
4.93%
2.12%
—
13.58
EPS growth%
11.36
8.54
6.01
6.66
7.88
4.92
6.62
5.90
4.67
3.30
18.17
4.92
6.31
54
1.27
Bookvalue per sh$
2.31
2.67
2.59
2.59
2.77
3.16
2.96
3.34
3.24
3.11
3.09
2.30%
3.15%
—
3.60
TBV/sh$
4.67
4.98
5.50
5.83
6.28
6.24
6.39
6.27
7.15
7.41
5.46
3.37%
6.17%
—
5.21
Dividend per sh$
5.29
5.31
5.05
4.98
4.48
4.38
4.23
4.34
3.94
3.93
6.78
(2.60%)
(3.25%)
—
27.78
Div yield (avg)%
24.03
25.33
24.87
22.14
23.79
24.13
26.95
24.05
22.80
24.42
9.93
24.13
24.09
84
4.32
Payout ratio%
6.88
8.41
11.29
11.34
8.84
10.99
11.48
10.27
12.79
10.92
8.69
10.99
10.96
62
43.35
Shares (diluted)M
71.70
81.04
90.38
104.4
109.9
114.4
137.0
158.0
172.1
174.2
44.35
9.65%
9.25%
59
29.76
Buyback yield%
17.09
15.05
12.64
9.88
9.56
9.50
10.32
10.31
8.82
10.56
7.34
10.31
10.31
30
1.656
D/E ratiox
2.193
2.502
2.908
3.203
3.368
3.720
3.839
4.481
4.378
5.052
0.289
4.378
3.544
46
0.396
Assets$B
1.481
1.640
1.836
1.902
2.038
2.248
2.383
2.577
2.926
3.170
0.115
9.24%
9.04%
40
83.24
LT debt$M
537.2
551.7
638.2
720.0
741.0
714.1
790.1
811.5
859.3
811.7
471.7
1.84%
4.21%
8
Revenue
$678.0M
2.29%
1.00×
Claims and benefits
$375.8M
2.32%
1.00×
Total costs
$547.2M
2.47%
1.02×