467.9
Revenue$M
417.5
436.2
461.0
473.6
488.0
511.3
525.8
539.0
564.5
579.9
485.4
3.51%
3.80%
72
19.70
Revenue growth%
9.92
7.86
6.75
5.96
8.74
7.87
6.43
4.67
6.38
3.38
17.01
6.38
6.59
14
20.53
Combined R.%
81.07
81.05
81.89
80.80
82.49
82.11
82.02
82.26
82.89
82.60
8.20
82.26
82.06
31
22.69
Operating margin%
12.10
12.12
10.65
9.11
10.10
8.98
10.08
8.20
8.54
10.78
14.51
8.98
10.09
40
29.61
Net margin%
18.95
21.29
21.53
24.21
25.26
27.05
26.95
27.56
27.49
26.63
24.34
27.05
25.95
84
20.47
P/E ratio (avg)x
37.73
37.74
36.92
38.33
42.05
46.13
49.62
48.56
47.52
44.39
11.04
47.52
43.22
33
7.576
P/TBVx
8.876
8.585
9.835
10.44
11.46
11.68
11.64
12.38
11.63
12.56
29.48
11.68
11.55
61
9.374
P/Bx
40.18
43.42
47.05
48.62
48.81
52.22
56.64
59.21
59.78
70.53
10.79
59.21
50.52
11
29.08
Prem. grth%
17.17
17.39
19.82
22.32
19.52
19.96
21.14
22.97
25.46
23.02
8.85
22.97
20.55
77
3.85
Invest. yld%
19.89
19.02
21.94
22.84
24.66
26.86
24.54
23.52
20.66
19.55
3.12
23.52
22.39
56
4.99
BVPS grth%
28.98
28.75
29.25
27.73
28.86
26.01
25.39
22.71
22.78
25.61
19.37
25.39
26.87
36
27.48
Return on equity%
31.11
31.76
33.94
35.65
36.95
36.35
35.61
38.05
39.32
39.53
27.91
38.05
36.00
54
19.89
Return on assets%
20.28
17.33
18.13
20.19
19.65
18.28
21.14
19.19
18.32
18.17
16.76
18.32
18.75
75
4.03
EPS$
3.88
3.39
3.54
3.79
3.74
3.70
3.16
3.42
3.32
3.60
4.23
(0.74%)
(1.86%)
—
20.69
EPS growth%
12.36
13.95
12.60
10.93
9.88
12.11
13.63
15.34
18.20
18.06
12.37
15.34
13.11
36
3.28
Bookvalue per sh$
3.31
3.63
3.59
4.10
4.70
5.09
4.90
5.31
5.70
5.69
3.96
3.91%
6.22%
—
2.17
TBV/sh$
3.30
3.27
3.01
2.88
2.55
2.67
2.29
2.41
2.35
2.46
5.13
(0.73%)
(3.08%)
—
3.60
Dividend per sh$
5.41
5.58
5.08
5.38
5.51
6.01
6.12
5.77
5.68
5.96
2.28
1.60%
1.05%
—
26.95
Div yield (avg)%
14.82
16.91
18.02
15.45
13.79
13.26
15.35
16.34
17.31
14.53
18.17
15.35
15.40
7
21.17
Payout ratio%
0.40
0.40
2.00
3.65
3.21
2.79
1.17
3.47
4.34
5.53
6.06
3.47
3.00
49
25.48
Shares (diluted)M
26.92
28.15
26.67
27.92
27.84
31.35
35.85
33.10
34.54
33.79
25.83
3.95%
2.25%
10
9.86
Buyback yield%
12.96
15.86
17.90
18.38
18.30
16.39
18.01
18.26
20.16
21.20
7.58
18.26
18.13
44
1.281
D/E ratiox
0.372
0.327
0.300
0.302
0.298
0.306
0.325
0.333
0.296
0.287
1.782
0.306
0.304
45
0.303
Assets$B
1.856
2.053
2.327
2.488
2.658
3.039
3.229
3.513
3.928
4.415
0.143
10.68%
10.39%
31
320.5
LT debt$M
176.8
177.5
193.6
190.7
192.5
210.7
193.4
185.4
173.6
159.7
293.9
(3.67%)
(1.06%)
84
Revenue
$579.9M
3.80%
1.00×
Claims and benefits
$298.4M
3.79%
1.00×
Total costs
$436.8M
3.80%
1.00×