376.6
Revenue$M
501.7
532.1
550.5
566.3
591.3
628.8
646.7
694.4
721.4
763.9
391.4
5.26%
4.75%
60
27.96
Revenue growth%
7.41
7.82
8.41
8.22
8.61
8.24
8.30
8.61
6.91
6.20
25.28
8.24
8.23
68
23.81
Combined R.%
82.95
81.13
82.85
80.47
81.97
81.92
81.54
82.82
79.82
81.82
23.98
81.82
81.87
54
27.91
Operating margin%
7.94
6.29
8.68
10.29
8.53
7.78
7.99
6.23
5.30
4.72
3.73
6.23
7.86
74
20.86
Net margin%
9.83
10.10
12.75
11.64
10.32
11.91
11.05
9.61
7.01
7.98
10.40
9.61
10.21
85
36.09
P/E ratio (avg)x
19.73
19.62
18.01
18.31
19.28
16.97
16.49
14.10
12.74
11.27
19.01
14.10
17.49
31
8.909
P/TBVx
34.26
37.88
44.90
44.43
44.20
51.30
49.02
54.60
62.64
72.40
10.30
54.60
46.96
60
27.15
P/Bx
14.35
16.38
16.12
17.71
20.33
19.55
22.63
26.10
29.10
32.77
27.36
26.10
19.94
94
26.86
Prem. grth%
26.72
24.11
23.90
22.23
21.71
24.53
22.96
25.88
27.34
27.00
13.18
25.88
24.32
93
18.29
Invest. yld%
17.89
18.91
19.15
18.36
16.84
17.52
17.55
17.56
17.78
17.05
6.18
17.55
17.67
11
4.70
BVPS grth%
18.87
18.57
21.24
21.94
21.02
22.81
21.99
24.90
23.33
20.98
7.44
22.81
21.59
90
14.41
Return on equity%
24.87
27.63
27.97
25.71
28.38
30.59
32.67
33.44
34.08
36.70
16.16
33.44
29.48
56
2.73
Return on assets%
26.76
25.18
24.09
25.88
24.89
25.37
26.72
27.06
29.75
27.98
7.65
27.06
26.30
20
2.31
EPS$
2.05
2.00
1.94
2.13
2.33
2.41
2.72
3.18
3.41
3.54
2.46
8.74%
6.91%
—
17.53
EPS growth%
31.54
29.08
28.59
28.77
29.97
32.22
33.42
35.50
32.92
30.42
23.50
32.92
30.98
23
1.51
Bookvalue per sh$
4.44
4.63
4.59
5.30
5.90
5.84
6.15
6.74
6.72
7.44
1.32
4.76%
5.26%
—
3.60
TBV/sh$
1.37
1.32
1.29
1.48
1.73
1.71
1.88
2.10
2.47
2.64
3.58
8.81%
7.27%
—
0.78
Dividend per sh$
4.02
4.16
4.44
4.86
5.36
6.41
6.90
7.50
8.58
9.13
3.47
11.24%
10.17%
—
9.46
Div yield (avg)%
1.95
3.11
2.48
0.40
1.61
1.71
0.81
3.06
4.57
7.49
23.03
3.06
2.22
68
29.81
Payout ratio%
20.94
21.51
23.61
22.54
24.02
23.37
21.74
22.57
22.29
22.47
26.79
22.47
22.50
90
202.1
Shares (diluted)M
158.7
168.1
147.3
142.3
142.5
133.3
148.2
137.7
146.9
154.6
195.7
1.65%
(0.92%)
64
22.51
Buyback yield%
14.27
12.37
14.98
13.09
11.31
10.81
13.32
14.07
14.46
14.32
18.23
14.07
13.69
42
1.464
D/E ratiox
0.284
0.307
0.295
0.282
0.282
0.311
0.317
0.302
0.341
0.321
1.114
0.317
0.304
19
0.580
Assets$B
3.541
3.894
4.113
4.611
4.911
5.256
5.675
6.180
6.578
7.085
0.196
7.61%
8.42%
39
663.1
LT debt$M
256.7
239.3
222.1
233.4
247.5
233.2
238.5
238.5
262.6
245.5
80.08
(0.16%)
(0.92%)
35
Revenue
$763.9M
4.75%
1.00×
Claims and benefits
$416.1M
4.81%
1.01×
Total costs
$570.2M
4.63%
0.99×