314.5
Revenue$M
281.8
301.8
328.7
360.6
380.8
399.6
431.9
468.3
508.1
536.9
342.7
7.11%
7.38%
47
27.95
Revenue growth%
8.88
11.72
12.35
11.75
10.22
12.55
14.33
17.11
19.02
16.91
16.92
16.91
12.45
30
17.81
Combined R.%
77.54
77.76
78.82
76.78
79.81
80.06
79.38
78.06
78.41
77.37
28.21
78.41
78.24
42
29.03
Operating margin%
28.86
26.17
26.72
26.45
25.16
27.81
29.37
31.11
28.76
30.30
24.18
29.37
28.29
25
29.92
Net margin%
5.41
4.97
3.23
4.75
2.66
2.53
0.49
3.36
4.65
5.88
3.04
3.36
4.01
32
24.64
P/E ratio (avg)x
61.16
66.97
66.71
67.99
73.39
80.74
85.05
93.80
91.91
110.5
25.54
91.91
77.06
43
28.11
P/TBVx
30.37
32.91
31.22
34.36
36.64
39.56
42.54
45.10
47.65
51.63
18.08
45.10
38.10
32
21.02
P/Bx
27.64
27.54
28.68
27.92
26.17
27.44
25.48
27.53
31.27
28.54
15.63
27.53
27.59
5
22.94
Prem. grth%
21.38
23.99
23.40
26.26
26.63
25.46
22.64
21.70
22.97
23.55
20.52
22.97
23.48
58
11.13
Invest. yld%
23.79
21.06
19.41
21.63
20.72
18.94
16.58
14.37
16.44
18.71
10.94
16.58
19.17
35
3.97
BVPS grth%
10.97
12.87
14.91
14.29
13.65
14.72
14.72
16.73
17.60
19.46
14.80
16.73
14.72
72
8.46
Return on equity%
18.01
17.91
20.62
18.84
21.53
19.74
18.51
19.11
18.34
19.86
10.11
19.11
18.97
34
26.51
Return on assets%
19.32
16.69
19.53
17.28
19.43
17.44
15.46
12.92
14.88
14.17
10.43
14.88
16.99
61
1.75
EPS$
7.47
8.33
9.45
10.93
12.07
13.66
12.56
13.62
15.20
17.28
1.95
7.44%
7.95%
—
27.04
EPS growth%
18.28
16.06
17.98
17.56
19.36
21.54
23.88
21.47
23.00
23.39
9.86
23.00
20.42
74
1.45
Bookvalue per sh$
9.90
9.79
10.90
10.74
12.17
12.81
12.42
12.87
14.05
14.10
2.70
2.99%
4.05%
—
2.23
TBV/sh$
2.72
2.39
2.32
2.53
2.30
2.04
2.17
2.02
2.10
2.27
2.91
(0.22%)
(1.12%)
—
2.32
Dividend per sh$
4.75
4.24
4.50
4.55
5.08
5.58
5.02
5.04
5.57
5.23
2.12
0.60%
1.55%
—
6.84
Div yield (avg)%
23.18
25.75
23.96
22.97
23.27
21.05
19.23
20.94
22.18
21.05
29.70
21.05
22.58
15
13.53
Payout ratio%
12.84
11.76
11.25
11.62
9.56
8.82
7.68
5.90
4.86
2.03
16.30
5.90
9.19
48
41.38
Shares (diluted)M
53.51
58.75
53.93
59.66
57.27
62.87
59.49
65.52
69.28
72.71
41.45
4.89%
3.76%
70
22.53
Buyback yield%
18.04
19.04
16.60
16.50
16.45
14.32
16.79
17.44
19.12
18.03
15.11
17.44
17.12
17
1.462
D/E ratiox
1.208
1.250
1.266
1.439
1.546
1.760
1.755
1.707
1.756
1.701
1.076
1.755
1.623
24
0.370
Assets$B
1.157
1.274
1.412
1.528
1.725
1.874
2.000
2.183
2.388
2.555
0.275
8.17%
9.21%
89
89.19
LT debt$M
142.0
152.9
159.6
144.1
159.8
165.0
149.6
149.0
133.6
119.1
162.2
(5.71%)
(1.62%)
42
Revenue
$536.9M
7.38%
1.00×
Claims and benefits
$274.7M
7.24%
0.99×
Total costs
$378.3M
7.51%
1.01×