256.0
Revenue$M
111.9
119.7
126.5
134.9
147.1
155.8
166.8
179.9
191.0
204.4
270.6
6.80%
6.89%
91
18.20
Revenue growth%
0.40
0.40
0.69
2.12
1.84
1.46
0.40
2.84
3.95
2.81
15.04
2.81
1.65
66
13.86
Combined R.%
82.31
83.02
83.85
83.25
82.84
83.26
83.64
83.40
81.99
81.82
14.53
83.26
83.13
16
26.06
Operating margin%
1.79
3.97
6.86
6.97
8.84
8.81
6.03
3.83
6.23
5.40
2.43
6.03
6.13
53
24.48
Net margin%
8.36
6.17
8.26
7.02
7.68
7.19
7.02
4.36
7.30
6.22
8.09
7.02
7.11
40
6.764
P/E ratio (avg)x
37.16
39.16
41.61
45.81
52.40
59.56
60.40
64.77
69.61
79.47
20.96
64.77
55.98
89
28.42
P/TBVx
41.88
42.54
40.07
41.36
40.19
37.62
35.31
33.23
36.72
35.06
32.17
35.31
38.84
47
23.56
P/Bx
27.82
27.93
29.92
30.97
31.47
31.62
30.27
27.28
29.85
27.26
37.35
29.85
29.88
52
7.43
Prem. grth%
10.56
12.45
12.52
11.46
12.86
11.35
9.11
6.66
4.16
2.93
20.69
6.66
10.96
78
8.98
Invest. yld%
26.77
27.56
29.63
31.43
28.89
27.95
27.77
29.51
29.88
28.94
16.39
28.94
28.92
93
16.48
BVPS grth%
5.71
3.61
6.17
4.35
1.43
0.45
2.08
1.77
0.67
0.40
14.22
0.67
1.92
17
27.57
Return on equity%
16.90
14.39
16.25
17.83
19.11
19.97
17.67
15.58
14.05
14.96
13.12
15.58
16.58
75
18.84
Return on assets%
25.78
24.22
22.49
24.31
23.55
22.39
25.10
23.76
23.83
21.78
17.87
23.76
23.80
5
0.36
EPS$
0.52
0.59
0.66
0.74
0.82
0.90
0.99
1.08
1.15
1.27
0.38
9.23%
8.41%
—
12.98
EPS growth%
24.36
25.11
23.10
25.59
24.52
22.91
25.88
27.83
29.76
27.86
16.13
27.83
25.35
13
1.41
Bookvalue per sh$
0.75
0.81
0.82
0.88
0.93
0.90
0.85
0.96
1.08
1.08
2.07
3.22%
5.00%
—
1.74
TBV/sh$
1.18
1.24
1.30
1.32
1.34
1.55
1.61
1.72
1.69
1.92
1.39
7.46%
6.65%
—
0.67
Dividend per sh$
0.35
0.34
0.34
0.32
0.32
0.33
0.31
0.31
0.27
0.25
0.91
(4.57%)
(3.51%)
—
26.24
Div yield (avg)%
4.49
4.30
4.50
2.34
4.35
6.55
8.69
9.33
11.67
13.05
2.81
9.33
5.53
49
23.25
Payout ratio%
12.48
12.88
12.36
14.31
13.60
11.86
11.22
9.32
9.33
12.18
27.95
11.22
12.27
74
94.98
Shares (diluted)M
151.2
151.7
151.5
149.4
173.5
172.5
173.8
178.2
168.6
162.2
96.99
(1.34%)
2.32%
55
4.92
Buyback yield%
25.97
27.70
27.88
29.92
31.57
32.95
32.72
33.67
31.97
30.87
13.65
32.72
31.22
11
0.609
D/E ratiox
1.612
1.464
1.330
1.435
1.297
1.285
1.394
1.346
1.334
1.277
1.183
1.334
1.340
19
0.226
Assets$B
0.766
0.806
0.900
0.940
1.022
1.083
1.108
1.223
1.343
1.451
0.110
7.26%
7.30%
93
19.51
LT debt$M
140.6
129.9
119.3
124.1
127.1
117.7
117.3
101.7
97.38
88.96
158.0
(6.89%)
(4.93%)
23
Revenue
$204.4M
6.89%
1.00×
Claims and benefits
$111.3M
6.74%
0.99×
Total costs
$153.1M
6.59%
0.97×