278.3
Revenue$M
165.3
182.3
192.9
211.3
231.7
245.8
266.2
287.6
311.5
341.4
296.8
8.06%
8.14%
25
25.84
Revenue growth%
5.05
5.99
5.62
7.32
9.25
9.72
11.98
10.33
11.92
12.22
10.60
11.92
9.49
90
26.12
Combined R.%
85.97
87.23
84.61
85.71
88.01
85.50
85.71
87.69
85.78
84.21
3.46
85.71
85.75
83
15.37
Operating margin%
17.96
19.75
21.01
20.71
21.47
20.08
18.12
20.83
19.89
21.95
20.72
20.08
20.40
87
5.07
Net margin%
16.32
14.19
14.29
15.56
16.04
14.53
13.46
10.69
11.23
10.28
14.20
11.23
14.24
8
23.51
P/E ratio (avg)x
32.85
36.16
36.08
43.15
47.61
47.30
54.47
65.92
76.87
76.02
33.10
65.92
47.46
38
36.62
P/TBVx
7.775
7.844
7.963
8.676
8.372
8.067
8.442
8.955
8.337
7.633
25.22
8.337
8.202
23
37.81
P/Bx
43.66
51.05
59.48
64.71
66.96
77.34
85.30
99.67
109.0
110.9
30.52
99.67
72.15
12
25.64
Prem. grth%
8.78
10.34
12.35
12.96
14.04
12.81
12.28
12.60
11.80
13.38
16.95
12.60
12.48
10
28.62
Invest. yld%
23.99
23.86
22.69
23.99
24.98
25.47
26.86
27.38
24.57
24.29
17.17
25.47
24.43
65
12.76
BVPS grth%
27.33
27.17
26.10
27.20
28.97
29.63
30.29
27.66
26.20
23.65
27.80
27.66
27.26
22
8.35
Return on equity%
27.57
30.14
32.50
33.96
34.82
37.76
39.50
38.11
40.62
39.51
10.63
39.50
36.29
30
19.48
Return on assets%
5.20
5.72
7.88
6.49
5.66
4.46
5.71
5.53
7.08
9.65
17.34
5.71
5.71
26
5.88
EPS$
11.58
12.68
14.44
16.45
16.70
19.28
19.82
21.02
21.59
24.90
6.32
8.32%
9.87%
—
4.10
EPS growth%
7.81
6.76
4.23
4.29
6.44
5.63
4.98
4.38
5.35
3.36
6.95
4.98
5.16
37
3.16
Bookvalue per sh$
4.71
4.82
4.54
4.61
4.84
4.51
4.51
4.28
4.56
4.73
7.04
(0.47%)
0.07%
—
5.80
TBV/sh$
3.31
3.04
3.39
3.04
2.76
2.51
2.25
2.43
2.57
2.54
7.44
(1.63%)
(3.42%)
—
1.90
Dividend per sh$
2.85
2.74
3.01
3.25
3.68
3.54
3.66
4.38
5.04
5.83
5.00
9.63%
8.85%
—
20.94
Div yield (avg)%
9.32
7.83
7.39
8.41
5.94
6.07
4.51
1.91
0.86
0.40
25.07
1.91
6.01
32
20.71
Payout ratio%
11.71
12.49
10.56
10.20
12.29
13.40
13.20
11.46
12.78
14.54
4.17
13.20
12.39
53
33.09
Shares (diluted)M
44.91
51.55
48.79
54.33
60.75
59.85
66.82
70.46
74.99
86.94
33.77
7.43%
6.98%
10
7.06
Buyback yield%
4.53
3.70
1.11
0.40
0.40
0.40
1.55
2.97
2.27
3.62
5.58
2.27
1.91
88
1.612
D/E ratiox
2.357
2.759
3.237
3.531
4.140
4.723
4.686
4.803
5.588
6.329
1.303
4.803
4.413
65
0.109
Assets$B
0.685
0.763
0.835
0.893
0.937
1.008
1.068
1.151
1.244
1.343
0.283
7.45%
7.55%
65
92.47
LT debt$M
348.0
392.9
443.7
432.8
461.7
434.1
435.2
424.7
474.5
478.6
92.24
0.72%
3.00%
30
Revenue
$341.4M
8.14%
1.00×
Claims and benefits
$182.5M
7.99%
0.99×
Total costs
$261.1M
7.82%
0.97×