32.72
RevenueR B
24.95
27.05
29.14
30.91
32.65
34.69
36.08
37.94
39.94
43.27
33.93
5.79%
6.12%
59
11.32
Revenue growth%
18.05
16.82
17.88
16.39
14.95
16.03
16.23
18.80
18.71
17.33
15.20
17.33
17.08
93
19.00
Combined R.%
81.78
80.33
80.06
82.02
82.51
81.12
82.53
81.93
82.26
80.65
24.41
81.93
81.86
32
24.36
Operating margin%
26.62
29.56
27.70
28.59
31.42
28.59
26.39
25.33
25.94
28.26
26.60
26.39
27.98
65
2.17
Net margin%
13.72
13.11
13.21
13.23
16.01
18.43
19.47
18.97
16.45
17.18
10.38
18.43
16.23
64
28.73
P/E ratio (avg)x
35.79
34.86
35.77
38.37
36.79
39.80
40.18
44.37
46.20
43.01
10.23
43.01
39.09
38
28.60
P/TBVx
46.35
51.19
58.93
60.12
60.23
63.33
63.13
70.48
83.52
101.4
20.96
70.48
61.68
77
15.91
P/Bx
10.99
12.02
11.34
10.08
9.028
9.665
9.321
9.572
9.797
8.738
12.43
9.572
9.731
30
19.60
Prem. grth%
12.79
15.40
15.34
17.24
17.54
16.50
15.71
13.40
12.35
9.36
10.94
13.40
15.37
73
15.07
Invest. yld%
9.88
8.82
10.94
11.15
8.20
6.04
7.38
6.86
9.79
8.00
29.96
7.38
8.51
10
11.71
BVPS grth%
26.50
24.03
23.39
22.13
22.38
20.58
18.79
19.02
16.63
19.38
13.71
19.02
21.35
86
20.66
Return on equity%
1.37
1.95
1.65
2.69
4.31
4.47
7.10
5.75
3.66
6.52
6.69
5.75
3.99
14
4.25
Return on assets%
13.60
12.84
10.13
9.93
9.61
10.52
9.30
10.80
12.42
9.53
23.90
10.52
10.32
19
4.01
EPSR
2.66
2.55
2.55
2.58
2.77
2.62
2.57
2.96
3.14
3.28
4.35
3.41%
1.93%
—
4.34
EPS growth%
6.36
5.66
5.98
3.32
2.65
1.93
4.77
4.97
7.49
5.81
23.49
4.97
5.32
67
3.02
Bookvalue per shR
10.91
10.36
9.05
9.55
10.05
10.69
10.99
11.79
12.38
13.05
9.39
5.35%
2.19%
—
6.27
TBV/shR
4.50
4.49
4.28
4.26
3.74
4.06
3.96
4.21
4.14
3.76
7.14
0.08%
(2.92%)
—
1.72
Dividend per shR
7.40
8.11
7.20
6.91
7.03
6.91
6.99
6.17
5.46
5.17
8.26
(5.95%)
(4.19%)
—
24.07
Div yield (avg)%
25.17
25.36
24.53
23.33
24.13
23.19
24.62
23.90
21.47
23.92
5.35
23.90
24.02
50
16.42
Payout ratio%
18.62
17.99
17.94
18.01
18.27
20.03
20.80
18.53
20.35
19.87
16.94
20.03
18.57
51
1.552
Shares (diluted)B
2.327
2.580
2.697
2.834
3.101
3.118
3.625
4.379
4.864
5.486
1.503
12.09%
9.86%
51
16.54
Buyback yield%
10.71
12.69
14.34
15.70
16.73
18.80
18.42
18.87
18.45
21.28
11.84
18.80
17.57
58
1.472
D/E ratiox
0.171
0.171
0.166
0.174
0.164
0.153
0.169
0.168
0.166
0.181
0.195
0.168
0.168
36
5.238
AssetsR B
49.00
52.81
59.76
63.40
67.99
72.40
78.74
83.66
92.45
100.3
19.77
8.08%
8.01%
40
7.946
LT debtR B
44.97
43.75
44.88
50.85
57.29
62.10
59.35
63.66
65.85
71.26
25.61
4.46%
4.32%
78
Revenue
R 43.27B
6.12%
1.00×
Claims and benefits
R 20.63B
5.88%
0.98×
Total costs
R 32.32B
6.13%
1.00×