178.4
Revenue$M
223.1
229.1
235.0
236.2
242.4
248.5
257.7
265.8
266.7
274.2
190.8
2.50%
2.26%
63
20.91
Revenue growth%
3.62
4.53
2.65
5.48
6.00
6.53
5.58
4.01
3.26
5.96
5.91
5.58
5.01
11
7.98
Combined R.%
77.88
76.36
76.77
76.94
78.49
78.02
78.93
76.69
77.93
77.14
14.85
77.93
77.51
37
27.92
Operating margin%
29.11
27.23
24.25
25.78
27.59
27.13
28.95
27.52
27.33
27.25
11.25
27.33
27.29
52
10.38
Net margin%
29.42
30.45
29.79
29.85
30.66
27.75
29.02
31.31
32.06
32.86
5.29
31.31
30.15
58
21.66
P/E ratio (avg)x
35.37
35.15
37.16
39.08
42.40
49.13
51.71
54.61
56.45
63.00
6.753
54.61
45.77
50
20.69
P/TBVx
39.05
40.96
46.70
53.81
61.37
57.88
56.05
52.10
55.79
52.07
9.247
55.79
52.95
24
32.65
P/Bx
21.96
24.22
25.37
23.17
22.06
22.07
20.43
21.41
22.20
20.02
16.88
21.41
22.06
67
13.69
Prem. grth%
3.82
1.67
2.67
2.07
0.40
1.50
0.40
1.30
0.40
0.40
26.28
0.40
1.40
15
9.92
Invest. yld%
15.88
13.82
12.66
15.51
14.65
12.72
11.26
8.59
10.81
8.53
16.63
10.81
12.69
74
21.60
BVPS grth%
14.84
17.74
18.29
20.83
18.32
17.10
19.18
17.65
17.20
14.29
18.03
17.20
17.69
32
9.06
Return on equity%
22.72
21.27
19.33
16.65
18.01
17.18
18.41
16.70
16.78
15.72
3.53
16.78
17.60
76
10.72
Return on assets%
8.01
5.02
6.87
6.59
4.23
6.60
5.13
6.85
7.52
5.69
4.93
6.60
6.59
81
1.44
EPS$
7.85
7.99
9.12
10.25
11.17
10.76
10.78
11.76
14.05
13.92
1.52
4.51%
7.61%
—
3.47
EPS growth%
23.35
21.25
19.77
17.89
18.39
15.82
13.08
12.16
14.14
14.07
6.17
14.07
16.86
38
2.44
Bookvalue per sh$
3.71
3.25
3.50
3.06
3.29
2.99
2.78
2.37
2.02
2.13
3.35
(8.30%)
(4.92%)
—
3.16
TBV/sh$
2.47
2.66
2.84
2.96
2.97
3.14
3.39
3.43
3.44
3.39
5.69
2.63%
2.79%
—
3.77
Dividend per sh$
2.18
2.10
1.91
1.71
1.51
1.58
1.53
1.58
1.71
1.74
7.48
2.81%
(2.51%)
—
5.00
Div yield (avg)%
18.74
15.83
18.05
15.87
18.59
21.53
18.80
19.18
18.83
21.34
18.82
19.18
18.77
27
15.62
Payout ratio%
11.35
12.48
10.36
7.94
7.92
7.85
10.77
9.77
12.34
13.39
11.20
10.77
10.57
21
30.34
Shares (diluted)M
33.39
32.36
29.94
26.17
26.18
28.08
29.73
28.96
31.66
33.14
30.19
4.83%
(0.90%)
13
19.60
Buyback yield%
29.25
30.47
32.39
34.37
33.15
30.39
32.50
33.04
33.80
36.42
9.07
33.04
32.77
49
1.637
D/E ratiox
1.145
1.053
1.168
1.111
1.199
1.213
1.117
1.218
1.133
1.023
0.277
1.133
1.139
54
0.095
Assets$B
0.923
0.994
1.106
1.222
1.278
1.448
1.557
1.725
1.872
1.942
0.274
8.73%
9.03%
32
255.7
LT debt$M
130.1
119.8
126.1
136.3
115.6
124.9
113.4
113.8
99.73
106.4
127.5
(1.64%)
(2.56%)
57
Revenue
$274.2M
2.26%
1.00×
Claims and benefits
$134.8M
2.21%
1.00×
Total costs
$195.6M
2.21%
1.00×