40.90
Revenue$M
30.35
33.17
36.19
38.35
41.30
43.84
48.22
51.21
54.67
58.11
44.73
7.07%
7.49%
95
7.84
Revenue growth%
19.67
19.08
19.18
17.81
20.03
17.48
17.11
14.63
14.60
11.84
17.67
14.63
17.65
81
2.06
Combined R.%
80.49
79.95
80.14
79.86
81.97
81.09
79.91
80.59
83.05
82.72
27.10
81.09
80.54
25
8.46
Operating margin%
26.43
27.81
25.86
23.69
24.35
21.84
22.38
19.97
17.31
15.93
26.21
19.97
23.03
84
10.48
Net margin%
20.08
19.27
16.75
14.35
12.13
15.05
15.75
17.21
19.07
16.52
6.20
16.52
16.63
6
30.60
P/E ratio (avg)x
14.90
15.90
18.65
20.14
20.86
23.34
25.96
25.99
28.45
29.21
18.14
25.99
22.10
65
6.612
P/TBVx
22.43
21.08
22.18
21.00
19.66
20.37
20.23
20.15
22.94
26.09
21.32
20.37
21.04
29
35.22
P/Bx
16.14
17.96
18.34
19.77
19.40
20.40
18.84
21.31
20.32
20.06
18.29
20.32
19.58
81
9.63
Prem. grth%
18.10
17.77
20.00
19.74
20.80
22.85
21.73
19.43
18.48
20.63
28.51
20.63
19.87
59
11.25
Invest. yld%
12.67
10.41
12.73
11.89
9.60
7.80
6.09
5.79
7.14
6.90
28.01
6.90
8.70
27
9.71
BVPS grth%
9.37
10.22
8.52
7.56
7.28
7.30
6.05
6.43
5.60
4.74
16.59
6.05
7.29
32
21.80
Return on equity%
20.81
19.29
19.27
19.89
18.82
20.07
20.14
22.78
21.93
19.94
4.23
20.14
20.01
82
28.21
Return on assets%
27.02
29.90
27.07
26.01
23.35
23.74
25.14
25.17
28.10
25.89
7.61
25.17
25.95
40
0.35
EPS$
0.40
0.36
0.39
0.43
0.43
0.46
0.48
0.52
0.49
0.52
0.39
3.57%
3.05%
—
24.80
EPS growth%
9.23
10.30
13.23
13.38
11.46
12.42
13.40
11.49
12.91
10.09
6.25
12.42
11.96
28
0.48
Bookvalue per sh$
0.30
0.28
0.26
0.26
0.28
0.31
0.30
0.28
0.27
0.28
0.11
(0.09%)
0.01%
—
0.44
TBV/sh$
0.24
0.22
0.22
0.22
0.23
0.24
0.23
0.24
0.21
0.21
0.27
(1.99%)
(1.33%)
—
0.29
Dividend per sh$
0.51
0.52
0.58
0.54
0.51
0.47
0.45
0.42
0.39
0.35
0.46
(7.28%)
(2.74%)
—
25.81
Div yield (avg)%
19.29
21.87
24.57
25.39
28.38
30.98
33.60
35.31
35.98
37.16
26.90
35.31
29.68
75
20.15
Payout ratio%
17.48
17.52
16.34
17.53
19.90
21.61
23.84
24.05
25.86
24.71
12.69
24.05
20.75
82
51.76
Shares (diluted)M
63.04
62.48
57.50
63.88
65.08
71.79
66.88
63.02
60.08
60.39
51.47
(1.48%)
0.24%
55
14.66
Buyback yield%
12.27
12.42
10.32
7.69
9.16
9.70
11.36
9.54
10.32
11.32
22.68
10.32
10.32
34
0.304
D/E ratiox
0.546
0.579
0.632
0.663
0.721
0.677
0.678
0.639
0.595
0.577
1.540
0.639
0.635
18
33.99
Assets$M
132.5
134.8
144.1
159.4
169.2
184.7
193.4
210.9
238.3
256.1
9.589
8.64%
7.33%
22
30.95
LT debt$M
47.61
49.08
54.50
63.44
67.25
69.47
67.91
72.02
82.60
80.73
11.31
3.72%
6.94%
95
Revenue
$58.11M
7.49%
1.00×
Claims and benefits
$31.74M
7.31%
0.98×
Total costs
$44.11M
7.51%
1.00×