463.5
Revenue$M
408.0
429.0
445.6
466.1
486.3
518.7
532.0
549.2
577.1
600.7
511.7
4.32%
4.18%
76
23.96
Revenue growth%
23.12
21.74
19.04
21.59
20.87
19.49
21.73
22.37
19.75
16.84
9.36
19.75
21.23
80
8.85
Combined R.%
80.19
77.75
78.61
78.08
77.53
77.25
80.27
78.43
78.32
77.19
20.13
78.32
78.20
73
8.30
Operating margin%
24.46
23.57
25.34
28.05
30.22
28.57
30.28
27.61
27.15
29.82
10.15
28.57
27.83
72
9.77
Net margin%
18.82
17.47
19.94
17.88
19.26
21.62
22.45
19.90
19.76
20.75
22.30
20.75
19.83
28
24.78
P/E ratio (avg)x
11.86
11.98
11.29
11.16
12.26
14.16
14.87
16.64
16.40
15.92
7.280
15.92
13.21
56
13.80
P/TBVx
49.14
51.73
51.61
59.66
68.93
73.64
72.30
69.53
72.74
73.55
12.79
72.74
69.23
5
26.03
P/Bx
17.25
18.66
18.52
19.29
17.67
17.67
17.80
16.29
17.92
17.92
26.81
17.80
17.86
68
13.10
Prem. grth%
17.44
18.44
18.50
18.00
15.76
14.84
14.20
12.79
9.96
12.39
11.25
12.79
15.30
69
13.50
Invest. yld%
6.57
4.29
6.36
4.90
6.43
4.27
1.93
4.90
3.93
5.89
4.45
4.27
4.90
79
12.48
BVPS grth%
24.84
24.10
27.02
26.81
26.13
25.27
26.35
24.35
26.13
24.19
5.10
25.27
25.70
17
3.56
Return on equity%
1.31
0.40
0.40
2.23
4.83
7.12
9.03
8.14
9.85
9.50
5.77
9.03
5.98
85
19.88
Return on assets%
5.36
3.08
4.18
5.45
4.68
3.28
1.06
2.63
0.40
3.35
14.45
2.63
3.32
70
0.46
EPS$
0.15
0.17
0.15
0.14
0.15
0.14
0.14
0.13
0.14
0.14
0.50
(2.13%)
(1.26%)
—
28.57
EPS growth%
3.35
5.83
5.33
5.78
4.51
1.94
4.03
3.41
2.12
3.12
3.02
3.12
3.72
76
0.57
Bookvalue per sh$
1.40
1.49
1.63
1.68
1.58
1.76
1.93
2.18
2.48
2.48
0.63
9.40%
5.86%
—
0.83
TBV/sh$
1.12
1.19
1.33
1.43
1.34
1.35
1.32
1.40
1.52
1.70
0.36
4.97%
5.56%
—
0.52
Dividend per sh$
0.44
0.46
0.44
0.47
0.45
0.50
0.51
0.50
0.51
0.51
0.54
2.42%
2.82%
—
17.46
Div yield (avg)%
29.74
27.08
26.16
28.06
27.74
27.30
28.85
27.51
25.82
26.94
21.49
27.30
27.41
87
7.03
Payout ratio%
1.44
0.63
0.40
0.40
0.40
0.40
1.29
0.40
3.10
1.61
11.36
1.29
0.51
68
369.1
Shares (diluted)M
399.6
354.9
333.8
344.7
367.2
347.5
308.7
327.5
321.6
340.3
363.8
(1.51%)
(2.17%)
43
13.38
Buyback yield%
32.71
32.93
34.09
32.97
34.55
33.30
31.42
34.15
34.27
32.14
13.03
33.30
33.13
75
1.147
D/E ratiox
0.919
0.860
0.938
1.056
1.148
1.208
1.227
1.192
1.204
1.333
1.105
1.208
1.170
8
0.099
Assets$B
1.501
1.695
1.871
1.978
2.108
2.330
2.618
2.777
3.146
3.340
0.446
9.64%
9.24%
82
477.0
LT debt$M
687.5
773.8
784.3
732.8
750.3
693.4
666.4
634.0
664.9
699.7
428.3
(1.39%)
0.48%
27
Revenue
$600.7M
4.18%
1.00×
Claims and benefits
$314.5M
3.88%
0.97×
Total costs
$420.0M
3.88%
0.97×