458.4
Revenue$M
228.0
244.2
262.1
285.0
302.6
326.6
353.4
388.2
412.2
447.6
474.3
8.14%
7.63%
73
6.29
Revenue growth%
9.36
10.30
7.34
10.34
8.09
6.11
4.77
4.91
2.50
2.53
15.60
4.77
6.72
66
15.96
Combined R.%
80.26
83.23
81.13
82.93
82.91
82.54
82.66
81.91
81.67
82.75
3.34
82.54
82.60
8
27.62
Operating margin%
5.77
8.22
7.59
8.97
10.38
12.65
15.38
14.73
12.56
13.30
9.13
13.30
11.47
91
28.87
Net margin%
19.70
22.56
22.73
25.56
27.17
26.90
25.92
27.68
30.29
30.58
10.24
27.68
26.41
38
37.72
P/E ratio (avg)x
9.116
9.766
10.23
11.67
11.00
12.18
11.91
12.16
12.04
11.40
19.56
12.04
11.53
90
27.47
P/TBVx
17.48
18.49
21.28
24.17
25.48
28.14
29.50
33.23
38.32
44.82
22.18
33.23
26.81
81
36.43
P/Bx
13.41
14.32
14.22
16.63
17.99
17.91
21.26
23.12
27.26
29.76
30.58
23.12
17.95
62
21.74
Prem. grth%
12.55
12.79
15.03
17.43
16.02
17.05
17.09
16.80
19.32
21.07
7.23
17.09
16.93
30
16.99
Invest. yld%
26.29
26.01
23.75
22.23
22.86
24.47
23.09
22.19
21.47
18.99
11.20
22.19
22.98
84
23.81
BVPS grth%
33.51
33.84
34.90
32.25
29.62
29.39
32.03
34.30
33.51
31.51
11.83
32.03
32.88
15
14.19
Return on equity%
22.28
19.38
21.85
19.39
16.97
19.32
18.32
16.11
16.99
15.04
18.48
16.99
18.82
94
9.51
Return on assets%
13.03
10.18
11.65
14.01
14.25
13.59
11.31
9.07
8.56
10.43
25.49
10.43
11.48
85
4.90
EPS$
5.61
6.29
6.87
6.50
7.50
7.15
6.91
6.90
6.38
6.95
5.32
(1.49%)
1.42%
—
6.70
EPS growth%
6.08
5.24
7.81
4.89
4.40
7.21
4.87
3.54
0.71
3.68
11.06
3.68
4.88
85
1.85
Bookvalue per sh$
4.36
4.42
5.01
5.32
6.08
5.71
6.27
6.76
6.83
7.34
3.91
3.86%
5.81%
—
3.49
TBV/sh$
5.01
4.81
5.41
5.72
6.27
6.03
5.94
5.53
6.26
6.61
1.70
1.06%
3.75%
—
2.49
Dividend per sh$
1.65
1.78
1.72
1.73
1.55
1.70
1.69
1.56
1.54
1.66
4.76
1.33%
0.58%
—
11.24
Div yield (avg)%
18.06
15.95
14.44
16.54
15.45
13.77
12.07
9.87
7.97
7.12
19.13
9.87
14.11
48
9.30
Payout ratio%
12.35
12.52
10.62
9.54
10.59
9.85
11.66
10.16
8.89
6.70
13.13
9.85
10.38
44
46.56
Shares (diluted)M
66.71
66.64
78.38
82.70
95.21
107.7
120.5
125.9
150.8
150.9
47.14
9.66%
9.32%
73
16.35
Buyback yield%
8.25
6.96
5.71
8.51
8.53
11.11
8.13
10.88
11.48
10.99
10.83
10.99
8.52
71
0.886
D/E ratiox
1.435
1.566
1.467
1.613
1.596
1.496
1.656
1.780
1.711
1.859
0.691
1.711
1.605
75
0.351
Assets$B
0.762
0.822
0.886
0.944
1.018
1.137
1.250
1.379
1.454
1.650
0.395
10.15%
8.93%
58
377.6
LT debt$M
552.7
585.1
546.1
536.2
499.2
510.8
565.1
521.0
536.4
544.7
160.3
1.76%
0.56%
23
Revenue
$447.6M
7.63%
1.00×
Claims and benefits
$222.5M
7.68%
1.00×
Total costs
$339.1M
7.39%
0.98×