907.7
Revenue$M
792.5
803.7
833.4
847.4
877.8
888.3
901.5
895.9
925.8
937.3
927.1
1.32%
1.73%
54
12.05
Revenue growth%
24.36
21.85
20.41
18.71
18.83
15.99
16.52
18.50
16.39
15.26
24.90
16.39
18.60
70
17.86
Combined R.%
90.38
90.27
92.01
91.92
90.11
90.69
91.79
91.39
92.58
92.37
6.12
91.79
91.59
57
21.68
Operating margin%
12.09
14.14
15.87
14.48
16.13
16.68
14.24
14.39
13.49
11.22
13.92
14.24
14.31
76
13.05
Net margin%
13.76
15.64
13.72
10.91
9.75
9.59
8.70
8.77
6.70
4.32
24.83
8.70
9.67
43
23.59
P/E ratio (avg)x
10.92
12.52
13.76
15.45
16.55
16.46
17.95
21.21
24.93
27.88
17.58
21.21
16.51
89
34.60
P/TBVx
28.66
28.83
28.62
31.20
35.05
33.48
32.14
31.74
30.38
31.05
22.10
31.74
31.13
80
27.75
P/Bx
31.61
30.49
33.74
34.61
35.17
33.76
35.26
38.66
38.00
42.47
29.73
38.00
34.89
22
11.88
Prem. grth%
18.21
19.07
18.57
20.72
23.19
23.67
22.01
24.93
24.54
25.88
26.16
24.54
22.60
84
21.44
Invest. yld%
17.14
19.87
22.62
21.63
22.14
21.67
19.71
22.68
24.58
22.31
11.03
22.31
21.90
90
25.15
BVPS grth%
6.62
6.53
9.44
7.45
7.98
7.64
6.14
7.32
7.10
6.61
17.15
7.10
7.21
63
19.37
Return on equity%
5.82
6.67
9.28
7.69
8.26
7.86
5.54
7.33
5.62
4.86
10.40
5.62
7.00
61
13.10
Return on assets%
9.33
8.82
11.37
9.66
8.31
5.48
3.40
5.96
5.82
5.24
7.46
5.48
7.14
17
4.90
EPS$
4.50
4.61
5.05
5.80
5.49
6.10
6.27
6.85
7.83
8.74
5.40
9.73%
6.77%
—
22.14
EPS growth%
16.66
19.41
17.48
16.82
14.71
12.16
15.14
13.29
13.41
12.60
6.91
13.29
14.92
66
2.55
Bookvalue per sh$
5.07
4.82
5.54
5.53
5.28
5.11
5.45
5.15
5.87
5.38
2.56
0.37%
0.84%
—
4.04
TBV/sh$
4.06
4.77
4.95
5.60
6.09
6.90
7.12
8.55
8.67
9.90
4.11
10.19%
9.73%
—
4.47
Dividend per sh$
5.73
5.96
5.65
5.56
5.54
5.99
5.81
5.25
5.30
5.13
5.49
(1.51%)
(1.68%)
—
22.67
Div yield (avg)%
4.51
4.40
7.36
4.89
2.01
4.45
3.77
5.95
7.70
10.25
11.85
5.95
4.70
88
19.46
Payout ratio%
15.52
18.08
20.70
19.38
17.99
16.94
15.20
17.10
19.96
20.43
27.39
17.10
18.03
61
124.8
Shares (diluted)M
110.4
107.7
109.1
108.1
95.49
104.2
113.9
107.6
103.7
103.0
127.2
1.53%
(1.20%)
5
13.89
Buyback yield%
19.78
18.14
16.80
19.02
20.22
18.02
18.33
17.02
14.35
15.00
12.49
17.02
18.08
33
1.476
D/E ratiox
1.886
1.853
2.077
2.027
2.199
2.312
2.301
2.389
2.555
2.882
0.759
2.389
2.250
89
0.835
Assets$B
2.073
2.334
2.604
2.752
2.950
3.248
3.477
3.704
4.096
4.380
0.447
8.23%
8.23%
88
905.0
LT debt$M
610.1
647.5
694.0
682.6
633.0
673.9
700.2
649.0
638.3
630.7
129.6
(0.07%)
0.54%
22
Revenue
$937.3M
1.73%
1.00×
Claims and benefits
$558.5M
1.83%
1.01×
Total costs
$791.4M
1.81%
1.01×