182.1
Revenue$M
175.1
188.2
198.7
206.2
214.2
230.9
243.8
264.0
281.5
304.7
187.0
7.30%
6.36%
49
22.69
Revenue growth%
11.17
10.09
8.83
6.23
5.66
4.83
6.71
6.99
4.06
3.66
13.40
4.83
6.47
30
25.67
Combined R.%
88.84
88.97
87.70
88.25
89.60
88.04
89.14
89.70
88.66
89.89
28.69
89.14
88.90
20
17.86
Operating margin%
0.40
2.77
0.40
0.65
0.40
3.37
5.84
5.64
7.42
7.48
4.21
5.84
3.07
51
8.57
Net margin%
11.00
9.17
9.12
10.02
7.88
5.05
3.84
6.49
7.68
10.01
4.18
6.49
8.50
13
33.08
P/E ratio (avg)x
32.03
32.21
32.35
36.84
37.28
43.11
42.31
47.31
50.10
58.75
30.36
47.31
39.79
56
14.23
P/TBVx
20.90
21.64
22.32
23.80
25.83
26.51
26.92
24.28
21.90
20.07
24.98
24.28
23.06
42
35.49
P/Bx
23.19
28.08
33.74
39.18
40.09
47.63
46.63
48.43
54.38
62.19
16.98
48.43
43.36
12
23.32
Prem. grth%
15.61
16.55
19.39
17.19
18.94
18.23
15.74
12.89
11.15
11.46
28.86
12.89
16.15
91
23.41
Invest. yld%
14.35
16.09
13.41
10.49
11.74
11.13
9.92
11.60
14.06
14.40
3.35
11.60
12.58
23
26.75
BVPS grth%
26.00
24.66
25.45
22.68
23.20
24.22
24.25
23.49
26.15
24.51
7.48
24.25
24.38
41
26.58
Return on equity%
21.61
22.13
19.46
17.76
17.08
15.00
15.08
12.49
14.89
15.42
6.79
15.00
16.25
31
17.14
Return on assets%
3.55
2.14
4.62
3.97
3.79
6.47
6.40
6.94
5.70
7.39
10.93
6.47
5.16
59
1.93
EPS$
0.96
0.98
1.10
1.19
1.32
1.27
1.46
1.68
1.59
1.85
2.09
7.04%
6.89%
—
4.50
EPS growth%
25.01
27.70
28.70
29.28
31.09
32.71
31.94
33.00
30.91
32.80
23.82
32.71
31.00
18
1.98
Bookvalue per sh$
0.38
0.38
0.39
0.42
0.42
0.40
0.38
0.39
0.35
0.31
2.41
(5.81%)
(3.46%)
—
0.72
TBV/sh$
0.99
1.00
1.05
1.03
1.04
0.93
1.01
0.92
0.91
0.92
2.41
(2.41%)
(1.77%)
—
1.47
Dividend per sh$
0.56
0.52
0.57
0.52
0.47
0.47
0.49
0.55
0.55
0.51
0.83
1.78%
(0.05%)
—
12.54
Div yield (avg)%
3.97
5.71
4.02
2.38
1.01
3.68
5.23
4.40
6.79
7.40
14.57
5.23
4.21
36
24.38
Payout ratio%
9.24
9.04
9.58
10.34
12.32
13.33
15.00
17.25
15.39
12.64
23.19
15.00
12.48
52
46.89
Shares (diluted)M
60.77
69.97
70.97
76.74
86.95
100.9
113.7
130.9
135.4
134.8
49.10
9.16%
9.32%
22
13.72
Buyback yield%
30.36
28.49
26.93
24.14
23.68
21.58
24.49
26.35
28.60
28.60
8.73
26.35
26.64
81
0.234
D/E ratiox
1.734
1.905
1.988
1.961
1.831
1.674
1.861
1.876
1.745
1.770
0.498
1.770
1.846
18
0.127
Assets$B
0.485
0.518
0.578
0.637
0.676
0.713
0.761
0.826
0.934
1.003
0.018
8.20%
8.72%
61
142.9
LT debt$M
49.09
51.92
49.54
52.08
44.49
37.70
38.90
36.80
35.44
38.19
79.70
(3.01%)
(2.77%)
22
Revenue
$304.7M
6.36%
1.00×
Claims and benefits
$172.2M
6.69%
1.03×
Total costs
$250.9M
6.54%
1.02×