68.58
Revenue$M
79.80
83.93
91.32
99.42
107.5
116.0
126.6
134.2
146.5
158.0
76.35
8.01%
7.86%
48
9.37
Revenue growth%
17.60
14.93
14.79
17.28
15.41
15.94
16.66
18.90
19.30
16.43
16.52
16.66
16.54
26
13.16
Combined R.%
81.97
82.66
84.37
83.37
82.52
82.75
82.28
82.61
82.08
82.95
22.39
82.61
82.64
60
5.41
Operating margin%
11.62
9.36
9.01
10.37
9.38
11.85
9.68
8.20
7.66
10.07
4.06
9.68
9.53
91
24.97
Net margin%
17.53
20.13
21.64
24.25
22.85
20.14
18.75
16.25
15.25
13.96
16.01
16.25
19.44
9
28.51
P/E ratio (avg)x
77.01
93.06
95.93
99.78
110.2
123.6
128.4
142.9
169.4
194.7
11.79
142.9
116.9
60
13.15
P/TBVx
33.56
37.84
37.82
44.01
51.01
51.04
51.61
51.96
52.67
55.09
15.77
51.96
51.02
68
37.62
P/Bx
21.74
20.63
19.17
17.81
16.88
17.25
18.05
19.00
18.75
16.48
15.10
18.05
18.40
68
28.10
Prem. grth%
9.74
9.48
9.59
10.84
12.82
14.58
14.33
15.72
14.07
12.54
19.05
14.33
12.68
20
8.64
Invest. yld%
5.81
3.88
4.51
6.94
4.37
3.71
5.32
4.14
3.55
6.27
3.33
4.14
4.44
75
7.97
BVPS grth%
7.29
10.12
12.17
11.19
13.75
12.70
13.53
16.47
17.62
17.08
10.55
16.47
13.11
34
15.91
Return on equity%
28.28
26.59
25.38
24.50
23.86
22.77
22.46
23.64
24.54
22.57
21.03
22.77
24.18
59
10.68
Return on assets%
33.22
30.85
30.46
28.80
31.17
31.70
32.65
33.65
33.85
34.42
4.12
33.65
32.17
38
1.05
EPS$
1.66
1.61
1.68
1.78
1.80
2.02
2.11
2.10
2.46
2.51
1.11
6.86%
4.91%
—
21.73
EPS growth%
23.73
21.67
21.77
24.24
24.11
25.90
27.60
29.53
27.72
29.59
19.06
27.72
25.07
8
0.56
Bookvalue per sh$
0.43
0.43
0.45
0.40
0.36
0.38
0.38
0.38
0.42
0.42
1.56
3.28%
—
—
0.55
TBV/sh$
0.42
0.47
0.52
0.49
0.51
0.58
0.60
0.68
0.66
0.62
1.23
4.21%
4.64%
—
0.62
Dividend per sh$
1.16
1.21
1.18
1.14
1.11
1.09
1.01
0.97
0.97
1.07
1.29
(0.84%)
(1.02%)
—
11.78
Div yield (avg)%
5.78
7.57
4.90
1.91
0.40
2.06
4.40
5.21
4.09
3.87
9.30
4.09
4.24
35
14.03
Payout ratio%
21.69
21.16
23.51
24.62
25.54
28.28
28.94
31.71
32.68
32.28
14.50
31.71
26.91
70
59.58
Shares (diluted)M
54.30
49.76
51.27
44.75
47.48
50.47
52.16
53.35
46.57
40.70
61.15
(3.03%)
(2.42%)
75
21.34
Buyback yield%
22.90
23.89
21.39
21.52
20.60
20.26
20.25
21.93
19.80
21.26
17.65
20.26
21.33
27
0.574
D/E ratiox
2.871
2.876
2.952
2.808
2.691
3.123
3.604
4.247
4.726
4.956
1.544
4.247
3.038
90
77.54
Assets$M
70.98
79.14
86.67
90.36
97.78
109.3
116.8
129.8
133.2
140.9
63.90
7.58%
7.94%
34
75.56
LT debt$M
114.2
112.8
110.7
108.9
109.2
107.7
118.9
128.0
136.5
151.2
37.91
6.74%
4.19%
81
Revenue
$158.0M
7.86%
1.00×
Claims and benefits
$84.38M
7.82%
1.00×
Total costs
$121.4M
8.01%
1.01×