65.04
Revenue$M
211.8
210.1
208.8
210.4
212.9
218.7
221.8
226.8
231.9
238.6
68.29
2.30%
1.17%
61
25.50
Revenue growth%
20.55
22.19
22.51
23.97
21.30
19.60
21.55
23.10
24.33
22.95
6.04
22.95
22.35
20
7.37
Combined R.%
86.82
83.88
85.64
85.59
84.87
85.96
83.40
84.98
85.21
86.15
6.37
85.21
85.40
5
10.48
Operating margin%
7.20
8.28
7.33
7.28
8.20
5.38
6.31
5.98
8.28
10.20
21.28
6.31
7.30
27
28.23
Net margin%
11.43
11.45
8.93
9.85
8.11
5.95
8.78
10.22
8.21
5.28
27.80
8.21
8.85
84
27.02
P/E ratio (avg)x
10.61
10.09
10.38
11.55
10.41
10.56
10.29
11.17
11.08
11.34
17.84
11.08
10.59
29
16.63
P/TBVx
31.85
30.88
31.15
33.55
38.64
45.39
48.66
55.72
53.94
58.74
37.10
53.94
42.01
46
14.69
P/Bx
35.03
36.51
34.87
35.56
39.29
45.49
50.37
48.09
49.71
51.01
23.86
49.71
42.39
9
13.99
Prem. grth%
6.09
8.66
7.32
8.07
11.03
10.88
13.36
15.19
14.44
14.20
10.31
14.20
10.96
66
9.00
Invest. yld%
7.37
4.90
5.77
2.92
3.10
2.25
5.00
2.11
2.02
4.59
8.91
2.25
3.84
21
15.09
BVPS grth%
17.12
15.44
16.12
14.63
16.66
18.27
18.11
17.21
19.84
20.99
12.90
18.27
17.16
12
3.42
Return on equity%
11.26
10.11
12.88
15.43
12.70
15.24
15.16
15.51
18.16
19.83
13.14
15.51
15.20
56
26.06
Return on assets%
16.40
13.95
13.80
13.07
11.68
14.65
15.24
12.64
12.28
13.11
5.16
13.11
13.46
32
0.33
EPS$
0.96
0.98
1.15
1.24
1.25
1.32
1.39
1.35
1.48
1.45
0.35
3.01%
5.40%
—
15.37
EPS growth%
19.51
18.17
20.51
18.00
19.79
22.33
21.99
22.92
21.40
21.65
4.45
21.99
20.95
84
0.72
Bookvalue per sh$
0.44
0.46
0.53
0.59
0.63
0.58
0.64
0.70
0.70
0.77
0.52
4.14%
6.67%
—
0.33
TBV/sh$
0.20
0.22
0.20
0.19
0.21
0.23
0.22
0.24
0.25
0.23
0.89
2.33%
2.72%
—
0.51
Dividend per sh$
0.44
0.49
0.53
0.54
0.61
0.58
0.52
0.53
0.52
0.49
0.26
(4.33%)
2.26%
—
27.25
Div yield (avg)%
17.76
18.14
17.08
19.50
20.21
23.15
24.55
25.74
23.06
25.03
28.07
24.55
21.63
22
28.96
Payout ratio%
22.64
20.04
21.70
21.00
18.89
18.95
21.39
23.82
23.06
20.50
26.41
21.39
21.20
57
135.3
Shares (diluted)M
139.5
131.4
143.6
152.5
156.8
171.7
166.5
163.9
156.5
160.1
132.1
0.42%
0.32%
22
29.76
Buyback yield%
10.99
10.46
10.01
7.15
10.03
11.00
13.26
15.76
16.28
14.07
9.10
14.07
10.99
71
1.389
D/E ratiox
0.380
0.344
0.371
0.412
0.446
0.415
0.469
0.507
0.460
0.492
0.815
0.469
0.431
52
67.50
Assets$M
66.55
75.62
83.01
93.14
97.23
106.7
119.3
126.3
137.0
143.5
33.09
8.10%
8.90%
32
34.50
LT debt$M
49.42
49.36
46.79
47.36
47.17
49.50
51.81
52.14
48.46
44.84
193.7
(1.01%)
(1.03%)
35
Revenue
$238.6M
1.17%
1.00×
Claims and benefits
$130.2M
1.04%
0.99×
Total costs
$189.0M
1.25%
1.01×
Spread over hurdle
79.66%