20.28
Revenue$M
57.93
58.43
57.19
57.17
58.56
59.02
60.35
61.58
60.78
62.04
21.30
1.16%
0.93%
10
12.41
Revenue growth%
7.02
8.21
7.63
10.22
10.81
9.97
8.53
6.92
6.99
5.77
28.44
6.99
7.92
68
3.19
Combined R.%
85.02
85.91
85.40
85.71
84.38
85.15
84.20
84.58
85.16
83.98
4.20
84.58
85.08
55
29.77
Operating margin%
9.91
10.29
9.52
8.70
6.79
3.92
4.28
3.56
5.80
6.45
23.97
4.28
6.62
39
11.49
Net margin%
28.20
28.56
30.60
33.31
33.23
33.24
34.06
33.75
34.91
36.01
2.46
34.06
33.27
55
6.931
P/E ratio (avg)x
30.30
31.21
36.19
41.24
48.05
45.40
49.24
47.27
50.55
57.81
34.82
49.24
46.34
19
29.62
P/TBVx
32.40
30.66
30.19
27.29
24.81
22.26
22.10
22.35
19.45
17.39
22.09
22.10
23.58
31
13.06
P/Bx
9.954
9.634
8.973
9.146
9.509
8.923
9.874
9.558
10.56
11.03
15.88
9.874
9.596
46
10.24
Prem. grth%
26.10
26.83
29.33
29.64
30.86
30.52
28.99
28.58
31.22
31.36
23.02
30.52
29.48
78
18.32
Invest. yld%
6.09
7.39
4.94
2.66
4.56
3.08
2.65
0.40
0.40
2.10
15.48
2.10
2.87
85
14.14
BVPS grth%
7.55
10.36
9.30
10.34
10.46
8.85
7.14
9.00
11.14
11.55
21.63
9.00
9.82
75
4.25
Return on equity%
1.98
3.39
6.34
7.86
7.45
4.56
6.01
7.56
7.21
4.89
3.27
6.01
6.17
90
20.41
Return on assets%
20.60
17.93
19.05
20.00
20.62
22.43
23.65
23.56
21.05
20.91
9.76
22.43
20.77
79
0.10
EPS$
0.20
0.22
0.24
0.26
0.29
0.27
0.27
0.26
0.25
0.24
0.11
(3.72%)
2.73%
—
19.50
EPS growth%
0.80
0.40
0.40
0.40
2.34
3.01
4.05
6.79
6.08
6.72
23.01
6.08
2.67
67
0.09
Bookvalue per sh$
0.12
0.13
0.12
0.12
0.11
0.10
0.11
0.11
0.12
0.11
0.06
(0.75%)
(1.35%)
—
0.05
TBV/sh$
0.14
0.14
0.13
0.12
0.14
0.13
0.14
0.16
0.15
0.14
0.14
0.97%
0.03%
—
0.21
Dividend per sh$
0.06
0.07
0.07
0.07
0.06
0.06
0.05
0.05
0.05
0.05
0.21
(3.35%)
(1.04%)
—
24.49
Div yield (avg)%
21.59
23.66
22.02
21.90
19.34
18.96
18.71
17.82
18.20
17.24
20.52
18.20
19.15
55
13.96
Payout ratio%
13.36
11.00
13.00
15.10
14.59
16.26
17.06
16.80
14.36
12.39
27.04
16.26
14.48
58
229.4
Shares (diluted)M
202.9
195.9
182.9
209.8
221.9
219.9
207.8
194.7
194.2
194.7
219.0
(2.57%)
(1.30%)
68
8.95
Buyback yield%
18.77
21.11
20.43
17.71
15.99
15.52
14.19
14.15
13.81
16.02
20.30
14.19
16.00
71
0.579
D/E ratiox
1.348
1.217
1.068
1.164
1.109
0.966
0.979
1.001
0.886
0.783
1.738
0.966
1.034
41
3.685
Assets$M
184.6
193.6
208.0
224.2
243.9
272.2
301.2
332.2
364.9
399.4
28.31
10.37%
8.87%
34
9.106
LT debt$M
10.03
9.833
9.679
10.34
10.90
10.91
10.95
11.54
10.51
10.57
18.68
(0.62%)
0.45%
70
Revenue
$62.04M
0.93%
1.00×
Claims and benefits
$34.04M
0.91%
1.00×
Total costs
$47.69M
0.92%
1.00×