279.4
Revenue$M
295.9
309.3
327.8
343.6
353.8
365.4
385.6
399.2
421.1
437.8
288.4
4.36%
4.54%
92
14.42
Revenue growth%
13.37
12.66
10.05
10.39
13.33
10.94
11.01
10.75
8.63
7.77
3.21
10.75
10.85
65
29.55
Combined R.%
88.56
88.63
89.27
89.29
89.07
89.58
89.41
90.15
90.37
88.71
12.21
89.58
89.28
49
10.83
Operating margin%
12.16
14.14
15.85
17.28
16.30
15.81
13.38
12.62
10.59
8.23
18.71
12.62
13.76
55
2.49
Net margin%
24.70
22.35
20.73
18.27
20.96
21.72
24.52
25.62
24.87
27.66
18.45
24.87
23.44
94
16.55
P/E ratio (avg)x
22.68
20.12
20.51
20.91
20.70
22.41
21.12
21.05
20.23
17.98
12.72
21.05
20.80
34
32.80
P/TBVx
28.92
29.99
27.21
25.48
29.03
30.16
31.04
31.84
35.26
35.99
21.40
31.84
30.08
94
11.54
P/Bx
15.47
14.66
16.92
16.17
17.01
16.20
18.51
17.64
17.28
18.08
16.52
17.64
16.96
42
24.30
Prem. grth%
8.77
10.82
13.81
15.05
16.51
18.02
18.10
17.77
17.44
15.63
17.94
17.77
16.07
61
15.80
Invest. yld%
29.11
32.03
29.78
27.44
25.83
24.27
22.49
24.00
21.62
21.10
6.64
22.49
25.05
75
26.14
BVPS grth%
0.40
2.00
4.20
4.92
4.73
3.37
5.67
8.12
5.94
7.14
23.01
5.94
4.83
42
4.00
Return on equity%
10.26
8.44
6.31
8.62
9.30
9.43
8.72
11.41
9.51
11.98
22.81
9.51
9.37
54
20.20
Return on assets%
6.57
5.25
5.05
7.03
9.30
11.42
11.97
9.69
8.19
8.25
24.86
9.69
8.22
13
2.38
EPS$
1.19
1.15
1.12
1.27
1.40
1.60
1.57
1.55
1.65
1.62
2.56
2.92%
2.39%
—
17.46
EPS growth%
6.43
7.96
8.23
7.98
10.12
12.33
10.49
12.96
12.47
9.79
25.75
12.33
9.96
94
2.14
Bookvalue per sh$
1.25
1.46
1.43
1.55
1.67
1.63
1.87
1.95
2.18
2.26
1.57
6.27%
5.87%
—
0.56
TBV/sh$
2.04
2.35
2.33
2.37
2.73
3.02
3.00
3.28
3.22
3.22
1.90
3.35%
4.18%
—
1.12
Dividend per sh$
1.31
1.49
1.48
1.62
1.75
1.86
2.07
2.31
2.30
2.52
0.41
7.62%
6.41%
—
3.78
Div yield (avg)%
3.73
6.26
4.95
5.15
5.90
8.41
7.18
7.47
4.76
3.38
2.61
7.18
5.53
13
5.53
Payout ratio%
23.44
25.51
23.83
22.56
23.25
20.34
21.14
20.52
20.93
21.87
9.80
20.93
22.21
68
132.3
Shares (diluted)M
110.9
103.2
100.9
108.4
114.4
126.2
133.9
121.8
118.4
121.2
128.3
1.17%
0.05%
18
27.74
Buyback yield%
6.02
4.91
4.41
3.35
6.34
6.62
4.78
4.79
2.13
4.39
12.12
4.78
4.78
30
0.471
D/E ratiox
1.261
1.501
1.660
1.850
2.176
2.190
2.542
2.721
3.039
3.256
0.113
2.721
2.183
89
394.3
Assets$M
422.5
447.4
490.4
526.6
550.6
598.3
642.4
684.8
727.5
791.9
308.8
7.54%
6.83%
51
127.3
LT debt$M
232.5
241.2
260.4
282.8
269.1
255.7
248.6
252.5
280.5
257.4
319.9
(0.88%)
0.87%
38
Revenue
$437.8M
4.54%
1.00×
Claims and benefits
$261.0M
4.54%
1.00×
Total costs
$354.5M
4.33%
0.98×