173.8
Revenue$M
214.6
219.1
218.2
225.3
227.8
225.3
230.1
232.7
230.7
237.7
180.4
0.85%
1.06%
18
9.70
Revenue growth%
13.22
11.85
13.24
10.51
9.20
8.46
6.89
5.83
8.73
6.01
11.08
6.89
8.96
33
19.79
Combined R.%
85.80
87.35
86.70
87.32
87.67
86.70
88.12
86.41
85.57
86.79
15.99
86.70
86.75
68
6.24
Operating margin%
11.03
13.64
12.07
10.56
10.39
13.22
14.43
13.85
11.22
10.62
28.08
13.22
11.64
8
9.77
Net margin%
16.25
17.05
17.97
16.58
18.54
19.15
18.26
18.65
18.11
15.45
18.98
18.26
18.04
19
20.37
P/E ratio (avg)x
18.84
20.42
21.85
22.94
21.06
21.79
19.60
18.90
20.51
20.37
30.69
20.37
20.46
43
6.892
P/TBVx
25.31
23.20
23.86
25.81
26.11
27.65
27.37
27.78
29.71
28.06
37.56
27.78
26.74
80
29.42
P/Bx
38.81
39.80
41.06
39.12
42.97
39.74
44.54
46.41
43.04
41.62
9.359
43.04
41.34
56
28.63
Prem. grth%
27.50
26.62
26.68
28.69
31.44
29.94
27.04
24.96
23.64
21.31
26.05
24.96
26.86
84
16.95
Invest. yld%
3.73
2.03
0.40
1.57
0.40
2.31
1.14
2.86
4.16
4.52
3.40
2.86
2.17
51
6.62
BVPS grth%
28.39
27.28
29.16
28.04
30.13
27.56
25.38
27.45
26.49
25.96
4.26
26.49
27.51
58
8.11
Return on equity%
11.80
13.75
13.26
12.15
14.78
14.40
12.32
14.02
14.93
12.06
3.10
14.02
13.51
84
17.02
Return on assets%
12.88
12.92
11.68
10.76
8.69
9.07
11.51
10.47
11.80
13.43
22.74
11.51
11.60
42
2.12
EPS$
3.63
3.92
3.59
3.38
3.71
3.54
3.13
3.18
2.88
2.89
2.26
(4.92%)
(1.80%)
—
7.13
EPS growth%
24.81
24.35
26.29
24.20
24.53
24.59
25.29
26.20
26.41
26.01
22.76
26.01
25.05
76
1.21
Bookvalue per sh$
3.98
4.41
4.46
4.12
3.76
4.00
3.62
3.99
3.79
3.73
1.04
(0.14%)
(1.15%)
—
3.17
TBV/sh$
1.57
1.68
1.78
1.85
1.89
2.08
1.95
1.84
2.00
1.91
1.39
0.26%
2.56%
—
2.41
Dividend per sh$
4.89
5.17
5.62
6.13
7.39
8.49
9.27
9.17
10.08
10.53
1.26
7.33%
7.76%
—
8.05
Div yield (avg)%
23.20
24.62
27.15
24.58
23.44
24.74
22.30
20.25
19.33
18.59
3.78
20.25
23.32
59
8.64
Payout ratio%
15.18
12.99
11.28
12.66
13.44
11.14
12.75
14.94
17.18
19.18
6.44
14.94
13.22
75
28.59
Shares (diluted)M
40.52
42.79
48.16
48.13
45.91
48.12
53.03
57.33
59.33
59.35
29.10
5.27%
4.70%
53
6.67
Buyback yield%
8.51
8.10
10.14
11.27
8.51
6.37
8.98
6.36
9.30
12.24
22.13
8.98
8.75
37
0.308
D/E ratiox
1.663
1.594
1.813
1.717
1.910
1.818
1.967
2.067
2.013
2.104
1.106
2.013
1.864
69
50.38
Assets$M
417.9
471.8
505.7
541.7
585.1
620.3
677.5
743.1
836.8
896.7
86.31
8.91%
8.83%
6
170.8
LT debt$M
85.95
80.28
84.54
81.01
80.23
74.32
79.55
82.82
80.58
88.56
198.2
2.00%
1.20%
43
Revenue
$237.7M
1.06%
1.00×
Claims and benefits
$141.5M
0.90%
0.99×
Total costs
$187.4M
0.95%
0.99×