22.36
Revenue$M
173.3
171.8
169.8
172.6
172.1
175.8
175.4
174.0
172.5
169.8
24.11
(0.27%)
(0.30%)
44
29.22
Revenue growth%
0.40
1.17
3.64
2.87
4.91
2.98
2.30
1.17
0.40
1.66
17.24
1.66
1.98
49
24.30
Combined R.%
77.31
78.96
76.57
77.95
78.05
79.92
77.53
79.62
77.79
78.67
16.80
78.67
78.00
15
8.20
Operating margin%
10.98
10.87
12.26
14.02
16.43
17.61
19.30
18.85
20.80
23.22
29.94
19.30
17.02
19
16.06
Net margin%
4.13
2.80
3.79
4.97
3.47
0.67
0.40
2.10
3.05
2.13
27.28
2.10
2.92
9
29.27
P/E ratio (avg)x
26.42
25.55
22.49
24.01
26.50
26.90
26.56
25.14
26.82
24.44
24.56
26.56
25.98
70
11.28
P/TBVx
42.20
42.83
38.12
40.75
43.43
48.38
44.34
41.56
37.35
40.48
14.65
41.56
41.88
82
14.45
P/Bx
24.77
27.38
30.62
36.08
42.19
47.53
46.14
49.03
47.51
47.86
10.20
47.53
44.17
17
7.71
Prem. grth%
14.59
14.30
13.87
16.37
16.53
18.05
19.37
16.87
17.94
18.97
26.74
18.05
16.70
94
12.29
Invest. yld%
22.89
25.01
25.37
23.12
24.12
22.77
24.32
24.40
23.94
24.19
28.89
24.19
24.16
8
19.25
BVPS grth%
10.75
13.32
15.05
16.01
18.41
19.00
20.42
17.76
19.75
22.13
13.59
19.75
18.08
56
26.83
Return on equity%
26.53
26.13
29.08
31.24
30.03
28.86
26.99
26.59
25.91
27.31
28.08
26.99
27.15
88
22.20
Return on assets%
10.38
10.74
13.38
13.97
16.37
13.79
11.72
10.40
7.53
9.09
17.06
10.40
11.23
7
0.67
EPS$
1.75
1.93
2.00
2.04
2.18
2.47
2.93
3.46
3.55
3.59
0.70
10.51%
7.85%
—
6.63
EPS growth%
29.76
30.06
27.82
29.11
26.44
25.35
28.02
30.34
29.43
27.89
2.63
28.02
28.57
12
3.09
Bookvalue per sh$
5.48
5.17
5.68
6.29
6.92
6.96
7.11
6.82
7.45
8.55
3.08
4.31%
5.60%
—
3.93
TBV/sh$
0.77
0.77
0.81
0.84
0.87
0.92
0.99
0.99
1.06
1.13
2.30
5.32%
4.31%
—
0.73
Dividend per sh$
2.16
2.48
2.97
3.51
3.82
4.55
5.06
5.48
5.64
6.24
3.21
10.31%
12.23%
—
9.01
Div yield (avg)%
20.42
21.64
23.07
26.06
25.02
22.58
20.51
22.82
25.62
24.87
15.57
22.82
22.95
42
28.68
Payout ratio%
14.44
16.61
19.22
16.73
15.04
14.50
17.34
20.16
21.74
19.27
11.73
19.27
17.04
10
26.94
Shares (diluted)M
19.75
21.08
21.89
19.54
20.49
22.02
22.24
22.75
24.66
22.33
26.45
1.73%
(0.01%)
40
16.40
Buyback yield%
15.32
15.14
14.47
11.66
11.34
9.40
8.74
10.65
8.04
10.80
18.42
9.40
11.07
89
1.261
D/E ratiox
0.538
0.537
0.506
0.548
0.616
0.598
0.598
0.604
0.702
0.729
0.494
0.604
0.598
92
0.204
Assets$B
0.786
0.853
0.928
0.997
1.059
1.209
1.314
1.403
1.524
1.622
0.051
8.91%
8.44%
78
75.13
LT debt$M
218.3
208.1
200.5
193.9
215.9
239.5
226.3
239.9
219.2
246.9
121.8
2.72%
0.89%
83
Revenue
$169.8M
(0.30%)
1.00×
Claims and benefits
$88.58M
(0.33%)
1.00×
Total costs
$121.9M
(0.04%)
1.03×