1.303
RevenueR B
22.35
22.56
23.08
23.71
23.90
23.92
24.92
26.03
26.19
27.09
1.365
2.53%
2.22%
18
13.18
Revenue growth%
8.75
6.52
5.26
2.85
4.46
4.37
2.50
2.66
5.01
7.48
25.51
4.37
4.73
16
5.61
Combined R.%
88.89
87.43
86.11
87.57
88.29
87.22
88.85
87.92
89.69
87.33
15.97
87.92
87.74
40
4.48
Operating margin%
1.55
0.40
1.24
3.19
1.83
1.00
0.40
0.40
1.25
3.22
4.76
1.00
1.25
16
27.39
Net margin%
11.62
12.93
15.68
15.80
16.91
19.65
19.75
22.16
23.70
23.72
20.91
22.16
18.28
59
14.55
P/E ratio (avg)x
16.07
15.53
15.43
15.38
17.21
18.17
19.67
18.84
19.38
19.02
14.91
19.02
17.69
79
23.72
P/TBVx
20.29
19.48
19.06
18.23
20.06
19.91
20.29
22.30
20.09
17.54
28.58
20.09
19.99
71
18.25
P/Bx
10.99
10.67
10.95
12.19
13.18
13.56
15.75
18.12
18.75
19.67
7.858
18.12
13.37
29
21.27
Prem. grth%
22.47
25.04
23.99
25.71
27.66
26.28
25.11
27.88
29.53
30.27
12.80
27.88
25.99
42
15.06
Invest. yld%
13.31
10.57
13.20
14.60
13.38
11.37
9.51
8.81
6.30
8.35
14.23
8.81
10.97
26
21.48
BVPS grth%
11.90
13.74
16.23
14.89
13.33
13.47
11.63
11.41
10.27
11.72
15.29
11.63
12.62
9
10.37
Return on equity%
11.89
11.81
14.37
17.10
15.51
13.30
14.70
15.51
14.94
15.75
10.17
14.94
14.82
70
12.33
Return on assets%
25.94
26.62
26.13
25.22
28.09
28.26
26.06
26.53
26.68
26.13
9.60
26.53
26.33
6
17.12
EPSR
11.82
11.64
11.07
11.16
11.45
12.97
13.15
12.92
14.42
15.26
19.02
5.91%
2.12%
—
23.25
EPS growth%
8.88
6.84
7.21
7.50
8.17
9.53
11.50
8.53
6.27
6.59
15.85
8.53
7.83
6
35.41
Bookvalue per shR
35.54
37.63
40.57
43.70
51.29
50.78
58.93
61.00
67.40
73.32
14.98
7.41%
7.17%
—
25.54
TBV/shR
7.17
7.54
6.83
6.09
6.11
5.45
4.83
4.52
4.00
4.30
6.85
(6.81%)
(5.30%)
—
5.98
Dividend per shR
15.47
13.95
14.27
13.52
14.82
15.18
15.73
16.55
15.53
15.62
12.28
1.05%
(0.01%)
—
20.68
Div yield (avg)%
20.21
18.43
16.84
19.28
20.64
20.80
23.64
26.63
27.45
28.09
13.74
26.63
20.72
86
29.64
Payout ratio%
23.85
21.83
20.96
19.73
17.77
19.60
16.97
18.85
17.65
17.94
24.77
17.94
19.23
82
0.658
Shares (diluted)B
1.007
0.938
1.022
0.983
1.079
1.171
1.111
1.225
1.312
1.230
0.676
2.66%
2.67%
23
10.71
Buyback yield%
22.72
22.46
23.63
25.25
25.59
23.78
22.99
20.98
20.00
21.74
13.20
21.74
22.85
20
1.229
D/E ratiox
0.736
0.809
0.802
0.749
0.817
0.871
0.852
0.905
0.893
0.876
1.119
0.876
0.835
37
5.473
AssetsR B
60.07
65.22
68.62
77.29
83.98
90.98
98.62
108.9
115.8
121.7
6.516
7.71%
7.78%
93
8.012
LT debtR B
12.70
13.32
13.48
15.68
17.50
18.88
21.06
20.87
22.63
22.05
13.69
4.74%
5.67%
27
Revenue
R 27.09B
2.22%
1.00×
Claims and benefits
R 16.05B
2.26%
1.00×
Total costs
R 21.45B
2.36%
1.01×
Spread over hurdle
(4.98%)