93.64
Revenue$M
324.4
349.5
379.3
410.6
430.0
454.2
491.8
521.4
548.4
584.6
102.7
6.34%
6.96%
58
13.48
Revenue growth%
30.96
32.40
29.81
27.24
26.96
26.98
24.49
24.10
24.09
24.40
22.80
24.40
26.97
37
2.42
Combined R.%
94.64
94.46
94.28
94.58
96.02
95.21
95.78
94.67
94.69
93.29
11.95
94.69
94.66
52
23.16
Operating margin%
11.75
13.47
13.51
11.02
10.22
13.21
11.79
13.89
12.85
11.83
9.24
12.85
12.34
20
13.23
Net margin%
18.19
17.49
15.19
15.45
16.08
17.79
16.19
17.99
15.50
16.20
7.07
16.20
16.19
13
14.20
P/E ratio (avg)x
28.85
27.47
29.62
26.17
23.03
23.64
21.57
22.07
23.20
23.77
22.44
23.20
23.71
58
6.352
P/TBVx
38.75
38.91
39.92
40.73
43.94
46.06
42.23
39.10
40.00
36.66
19.32
40.00
39.96
33
31.37
P/Bx
10.48
10.50
10.27
10.42
10.17
10.17
10.22
10.32
11.40
11.82
8.871
10.32
10.37
47
26.69
Prem. grth%
21.03
20.55
18.34
15.37
16.22
17.25
18.46
17.26
20.24
18.17
2.91
18.17
18.26
81
26.05
Invest. yld%
8.38
5.45
7.66
10.14
12.61
14.59
13.25
10.53
7.84
8.25
28.66
10.53
9.26
48
18.84
BVPS grth%
13.07
13.63
12.17
10.43
7.60
9.99
10.88
11.52
13.36
14.78
6.92
11.52
11.84
42
2.48
Return on equity%
25.16
23.62
21.73
20.63
21.35
21.34
21.37
18.56
21.40
20.49
28.50
21.34
21.36
57
18.23
Return on assets%
6.52
5.50
5.60
6.90
4.73
4.61
1.73
2.54
5.33
4.70
10.06
4.61
5.03
89
7.31
EPS$
14.83
15.10
16.33
17.79
20.00
19.18
21.17
20.13
22.84
22.05
7.92
1.97%
4.05%
—
9.03
EPS growth%
8.26
8.04
5.70
4.79
5.26
2.64
0.53
3.09
3.56
2.24
11.02
2.64
4.18
6
10.69
Bookvalue per sh$
6.59
6.85
6.75
7.62
8.17
8.98
8.80
9.99
11.99
12.73
7.65
9.28%
6.62%
—
6.58
TBV/sh$
10.30
9.25
9.11
10.04
9.46
9.24
9.03
9.87
9.98
8.94
7.31
(1.14%)
(2.34%)
—
2.57
Dividend per sh$
4.23
4.20
4.11
3.83
4.12
4.37
4.29
4.29
4.53
4.56
6.12
2.02%
1.60%
—
9.30
Div yield (avg)%
17.62
20.31
18.07
18.34
21.34
22.60
22.32
19.95
18.87
19.14
10.69
19.95
19.55
39
19.33
Payout ratio%
5.78
8.37
5.85
4.54
2.85
2.95
1.92
2.44
1.34
0.40
16.31
1.92
2.90
11
28.16
Shares (diluted)M
34.10
37.72
34.83
38.42
42.98
48.14
52.96
48.60
49.78
52.70
28.25
4.16%
5.31%
52
11.53
Buyback yield%
3.66
3.71
5.02
7.84
8.77
6.77
6.57
5.65
5.19
5.60
16.04
5.65
5.62
69
1.277
D/E ratiox
0.187
0.165
0.168
0.172
0.151
0.149
0.146
0.139
0.138
0.137
1.635
0.139
0.150
55
0.405
Assets$B
0.605
0.626
0.681
0.739
0.826
0.883
0.938
1.005
1.079
1.139
0.480
6.64%
7.61%
30
485.5
LT debt$M
47.40
49.84
49.76
48.62
44.20
40.81
36.60
33.81
29.83
29.45
475.9
(7.80%)
(4.26%)
66
Revenue
$584.6M
6.96%
1.00×
Claims and benefits
$335.0M
6.60%
0.97×
Total costs
$499.7M
6.73%
0.98×