9.374
RevenueR B
26.16
27.44
28.93
30.28
30.78
31.46
31.99
32.72
34.51
36.54
9.699
3.49%
3.82%
34
14.90
Revenue growth%
2.01
0.40
2.13
0.40
0.72
0.40
1.36
3.21
4.62
4.77
16.69
3.21
1.68
53
3.76
Combined R.%
93.52
94.95
95.44
95.00
93.99
95.15
93.73
93.35
95.53
95.57
10.20
95.15
94.97
12
11.93
Operating margin%
20.83
20.79
18.50
18.69
19.33
20.46
21.01
23.67
26.20
23.67
20.50
23.67
20.81
83
11.24
Net margin%
10.75
7.93
6.23
7.57
4.85
5.30
7.45
7.78
9.54
11.60
23.01
7.78
7.68
48
8.063
P/E ratio (avg)x
32.33
30.64
31.84
35.15
38.65
34.88
36.53
40.38
37.27
40.84
19.81
37.27
35.84
88
6.943
P/TBVx
48.05
52.59
60.99
71.64
70.30
76.89
85.75
85.15
102.2
103.4
28.97
85.75
74.26
89
37.03
P/Bx
27.24
24.70
26.68
28.66
25.57
26.79
29.03
29.01
25.04
24.51
25.68
26.79
26.73
28
28.79
Prem. grth%
8.93
7.25
8.29
6.78
4.88
4.97
5.95
6.04
5.98
3.01
14.20
5.95
6.01
14
10.12
Invest. yld%
17.30
18.74
15.96
17.70
19.54
19.01
21.34
18.44
16.19
18.55
18.13
18.55
18.50
84
4.78
BVPS grth%
21.72
19.06
18.63
19.03
20.71
22.22
22.96
23.95
24.93
22.56
12.43
22.96
21.97
33
25.32
Return on equity%
19.56
18.23
20.15
19.47
22.38
22.79
20.91
20.82
22.43
22.47
25.82
22.43
20.86
46
4.58
Return on assets%
30.12
27.62
30.32
33.23
30.36
29.92
29.60
31.57
34.33
35.71
3.07
31.57
30.34
12
1.76
EPSR
4.17
4.84
4.55
5.06
5.73
5.68
5.30
5.44
5.28
5.02
1.97
(2.64%)
3.25%
—
8.13
EPS growth%
1.97
1.43
3.09
0.61
3.40
1.84
4.81
3.11
5.58
2.60
2.69
3.11
2.84
91
4.78
Bookvalue per shR
10.16
10.33
9.49
10.28
10.93
11.48
12.58
13.73
14.06
14.61
3.91
5.98%
4.40%
—
3.56
TBV/shR
7.92
7.46
7.09
6.82
6.81
6.93
6.89
7.35
6.61
6.30
3.65
(1.53%)
(1.46%)
—
9.13
Dividend per shR
10.83
10.23
10.22
9.15
8.20
7.47
7.76
7.86
8.49
9.25
8.38
2.44%
(1.11%)
—
4.81
Div yield (avg)%
15.34
13.28
10.96
12.74
15.27
17.29
16.75
18.88
19.33
16.59
22.20
17.29
15.97
30
6.33
Payout ratio%
10.48
10.27
10.33
11.94
13.42
13.99
14.04
14.61
14.32
12.28
12.08
14.04
12.85
9
2.084
Shares (diluted)B
2.266
2.333
2.371
2.603
2.330
2.227
2.299
2.542
2.590
2.718
2.142
3.13%
1.56%
56
15.88
Buyback yield%
25.18
25.51
26.68
29.60
28.41
28.00
28.02
25.50
26.58
25.26
17.25
26.58
26.63
74
1.505
D/E ratiox
1.372
1.311
1.411
1.275
1.168
1.180
1.296
1.299
1.393
1.336
0.671
1.299
1.305
64
23.06
AssetsR B
36.46
40.94
44.40
47.98
51.64
54.94
62.12
66.67
73.34
77.61
35.59
8.49%
8.28%
80
28.30
LT debtR B
44.78
48.94
59.32
68.80
81.39
82.56
92.47
100.0
113.2
130.6
13.42
9.92%
12.67%
64
Revenue
R 36.54B
3.82%
1.00×
Claims and benefits
R 22.83B
3.71%
0.99×
Total costs
R 31.74B
3.87%
1.00×