13.68
RevenueR B
22.23
22.72
23.02
23.62
23.98
24.11
23.68
24.12
24.56
24.77
15.30
0.65%
0.92%
60
4.27
Revenue growth%
0.40
2.50
0.40
0.91
3.39
2.29
2.61
2.97
3.34
5.92
16.85
2.97
2.56
17
25.86
Combined R.%
88.30
87.05
86.72
87.00
87.20
85.65
86.04
86.76
86.86
87.99
27.42
86.76
86.93
39
9.77
Operating margin%
15.10
13.71
14.88
14.48
13.18
14.56
13.73
11.86
13.77
11.71
24.19
13.73
13.75
92
9.12
Net margin%
20.32
20.30
19.32
22.10
24.76
24.21
23.49
20.67
18.82
21.80
8.46
21.80
21.23
11
13.94
P/E ratio (avg)x
16.65
16.32
17.09
16.50
15.04
16.91
15.46
16.50
17.00
18.76
13.64
16.91
16.57
36
12.63
P/TBVx
15.72
17.53
16.42
17.80
19.83
19.03
20.58
20.40
19.19
17.36
7.874
19.19
18.41
85
28.87
P/Bx
36.42
40.44
37.14
40.85
40.57
42.20
46.79
46.97
49.00
52.89
8.386
46.97
41.53
26
8.20
Prem. grth%
21.99
23.48
23.43
25.72
23.06
25.71
26.73
26.13
26.40
28.16
17.48
26.40
25.72
80
19.91
Invest. yld%
26.75
24.70
25.97
27.36
24.87
22.04
22.96
23.04
22.12
21.54
11.92
22.12
23.87
7
6.87
BVPS grth%
20.09
22.21
21.26
22.67
23.08
20.46
19.37
20.13
20.80
18.45
27.17
20.13
20.63
87
27.13
Return on equity%
2.14
0.40
0.40
3.07
3.42
1.46
1.69
0.40
0.93
3.56
8.43
1.46
1.57
89
7.54
Return on assets%
12.73
10.55
12.77
13.71
15.75
18.63
19.11
21.80
24.58
23.99
16.20
21.80
17.19
35
19.19
EPSR
37.52
37.07
34.55
31.78
33.19
34.93
32.10
34.55
33.38
35.49
20.79
1.35%
(1.18%)
—
14.70
EPS growth%
1.85
2.95
5.55
3.82
2.24
4.04
2.20
4.55
2.88
5.33
3.55
4.04
3.39
9
47.23
Bookvalue per shR
23.44
25.72
23.92
26.63
29.46
28.80
32.49
32.15
31.94
32.22
30.52
1.81%
4.29%
—
10.16
TBV/shR
31.36
33.77
38.18
43.39
49.17
46.91
44.01
41.30
38.64
36.49
23.55
(5.79%)
0.59%
—
24.13
Dividend per shR
68.16
72.54
70.95
78.74
79.47
79.96
89.57
103.90
109.96
123.67
35.62
9.25%
6.85%
—
27.94
Div yield (avg)%
18.81
21.77
21.65
24.19
26.92
27.37
29.28
30.34
30.02
32.98
13.51
30.02
27.14
33
12.31
Payout ratio%
34.69
36.36
36.66
34.29
35.54
38.23
38.96
38.74
37.92
35.30
15.81
38.23
36.51
45
109.5
Shares (diluted)M
177.8
199.0
199.8
231.2
248.2
269.6
306.4
310.7
308.8
318.8
107.1
5.14%
6.68%
37
6.61
Buyback yield%
8.43
9.39
11.40
9.70
8.45
7.65
5.57
6.46
6.37
8.47
2.17
6.46
8.44
37
0.257
D/E ratiox
1.424
1.505
1.558
1.840
1.940
2.038
2.048
2.374
2.793
3.117
1.662
2.374
1.989
60
16.49
AssetsR B
20.55
22.56
24.84
25.94
28.64
32.49
35.75
39.99
41.01
45.04
15.53
9.47%
9.19%
16
14.02
LT debtR B
2.566
2.911
3.140
3.417
3.452
3.688
3.368
3.528
3.317
3.313
10.29
(0.82%)
2.54%
54
Revenue
R 24.77B
0.92%
1.00×
Claims and benefits
R 14.04B
1.11%
1.02×
Total costs
R 19.81B
1.04%
1.01×