172.9
Revenue$M
214.4
228.6
236.4
251.0
260.7
269.6
285.3
302.9
308.6
319.4
189.6
4.14%
4.25%
63
24.64
Revenue growth%
12.13
14.46
15.80
13.88
11.96
12.78
12.25
14.09
14.58
16.43
15.81
14.09
13.99
51
28.84
Combined R.%
79.23
79.52
78.34
78.52
77.97
78.02
78.96
78.53
79.22
77.57
6.27
78.53
78.52
19
22.11
Operating margin%
6.91
5.14
6.83
5.15
4.74
2.90
2.02
3.49
4.84
2.36
10.16
2.90
4.79
31
11.79
Net margin%
9.81
8.78
6.69
4.53
5.42
4.71
6.04
6.97
5.50
7.77
26.44
6.04
6.37
87
12.74
P/E ratio (avg)x
19.06
19.36
17.85
16.20
15.12
14.00
12.90
12.39
11.13
11.22
18.77
12.39
14.56
57
26.11
P/TBVx
25.13
29.04
31.21
36.89
43.46
42.93
42.48
50.39
52.12
54.41
26.49
50.39
42.71
59
29.97
P/Bx
15.00
15.56
16.39
15.40
13.26
11.55
12.05
11.61
11.31
10.57
31.76
11.55
12.66
91
27.03
Prem. grth%
19.73
18.84
19.50
21.25
23.32
23.98
26.21
27.22
26.34
27.13
12.75
26.34
23.65
79
5.50
Invest. yld%
6.01
3.55
2.72
0.98
0.68
0.59
1.80
0.40
3.38
0.58
29.95
0.59
1.39
9
23.51
BVPS grth%
11.10
10.08
12.37
9.92
12.43
10.56
9.00
6.56
7.61
7.53
16.69
7.61
10.00
86
10.45
Return on equity%
18.95
16.15
17.53
19.10
18.93
19.83
17.57
19.59
21.48
23.78
2.61
19.83
19.02
23
23.36
Return on assets%
11.27
11.70
8.84
10.65
11.43
8.76
9.46
9.16
8.59
9.80
2.71
9.16
9.63
75
1.69
EPS$
1.86
1.65
1.65
1.43
1.35
1.37
1.19
1.17
1.03
0.95
1.72
(6.80%)
(6.17%)
—
27.99
EPS growth%
5.25
5.59
5.83
4.65
3.74
6.06
5.88
6.36
8.62
9.92
12.28
6.36
5.85
85
0.79
Bookvalue per sh$
3.16
3.49
4.09
4.75
4.75
5.05
5.06
5.12
5.33
5.54
1.19
3.13%
5.89%
—
1.45
TBV/sh$
1.14
1.08
1.21
1.24
1.29
1.30
1.45
1.43
1.45
1.52
0.89
3.26%
2.98%
—
1.89
Dividend per sh$
1.63
1.86
1.82
1.72
1.73
1.61
1.60
1.62
1.56
1.57
1.29
(1.94%)
1.07%
—
6.78
Div yield (avg)%
25.92
28.25
28.76
29.13
31.50
34.29
34.71
37.43
35.54
37.78
5.51
35.54
32.90
80
12.69
Payout ratio%
10.45
8.43
10.02
8.38
5.95
4.16
4.71
4.45
4.63
1.73
13.32
4.45
5.33
40
91.14
Shares (diluted)M
124.7
145.2
154.1
173.8
195.4
216.2
250.1
280.6
303.4
308.9
89.96
9.59%
9.51%
43
14.83
Buyback yield%
25.97
24.63
24.13
23.88
21.65
20.20
17.36
17.69
19.07
20.66
8.26
19.07
21.16
26
1.479
D/E ratiox
1.830
2.120
2.411
2.732
3.240
3.436
3.485
3.921
3.863
4.144
0.184
3.863
3.338
12
38.55
Assets$M
187.8
203.2
224.0
247.7
273.0
299.0
326.0
351.2
374.8
398.2
79.48
7.84%
8.83%
59
14.35
LT debt$M
95.15
85.23
90.67
99.73
97.13
96.18
101.8
94.44
98.19
97.45
98.30
0.07%
0.58%
29
Revenue
$319.4M
4.25%
1.00×
Claims and benefits
$151.9M
4.30%
1.00×
Total costs
$229.7M
4.30%
1.00×