161.4
RevenueQR M
159.8
169.4
174.2
180.2
186.9
197.6
208.0
222.7
229.0
235.0
178.4
4.69%
4.25%
15
8.98
Revenue growth%
3.42
5.15
6.20
6.15
4.66
3.93
6.58
7.91
6.12
8.76
13.99
6.58
6.13
23
26.64
Combined R.%
93.66
92.87
94.14
91.38
91.61
93.72
92.47
91.83
93.37
92.32
5.17
92.47
92.67
53
21.89
Operating margin%
24.57
26.02
25.59
23.13
25.19
25.20
23.40
24.40
26.69
25.19
24.10
25.19
25.19
76
25.69
Net margin%
5.66
6.99
8.50
5.69
4.57
6.26
3.91
6.85
6.83
8.71
27.17
6.83
6.54
13
33.52
P/E ratio (avg)x
34.43
37.50
38.72
43.40
47.42
43.34
39.20
43.04
39.61
41.22
11.53
41.22
40.42
23
32.56
P/TBVx
11.45
11.02
11.09
11.09
10.63
11.36
10.41
10.13
9.582
10.04
15.07
10.13
10.82
84
16.49
P/Bx
7.267
8.124
8.474
8.463
8.846
8.747
9.432
10.19
11.26
10.62
7.316
10.19
8.796
73
6.42
Prem. grth%
10.62
13.44
14.78
12.59
11.61
10.32
11.64
12.31
11.97
12.58
12.46
11.97
12.14
45
2.43
Invest. yld%
26.19
28.13
30.30
29.28
30.38
32.12
30.60
33.41
33.41
33.61
12.13
33.41
30.49
11
27.69
BVPS grth%
22.36
22.29
23.80
24.95
27.00
25.89
27.09
27.75
26.41
24.68
15.85
26.41
25.42
19
18.27
Return on equity%
12.66
14.66
12.95
14.05
16.00
15.17
17.80
18.67
19.45
20.85
7.49
18.67
15.58
79
2.91
Return on assets%
15.09
12.28
12.79
12.60
10.38
11.20
10.97
10.39
9.71
10.73
15.73
10.73
11.08
14
0.37
EPSQR
0.56
0.60
0.65
0.68
0.69
0.74
0.72
0.78
0.69
0.72
0.41
0.77%
2.11%
—
6.02
EPS growth%
19.00
19.24
17.26
19.74
17.34
20.21
19.06
17.75
15.05
13.95
9.90
17.75
18.37
9
0.23
Bookvalue per shQR
0.17
0.18
0.15
0.15
0.15
0.13
0.12
0.12
0.13
0.11
0.44
(6.17%)
(5.64%)
—
0.29
TBV/shQR
0.77
0.75
0.81
0.90
1.02
1.19
1.20
1.43
1.40
1.46
0.15
7.50%
7.95%
—
0.37
Dividend per shQR
0.18
0.19
0.18
0.20
0.19
0.19
0.19
0.20
0.21
0.24
0.19
4.51%
3.11%
—
4.04
Div yield (avg)%
25.86
27.71
30.17
32.36
30.37
28.44
26.89
25.13
22.48
22.37
10.63
25.13
27.30
88
23.85
Payout ratio%
26.93
28.01
30.32
30.52
29.17
26.77
29.00
28.69
29.81
27.80
4.24
28.69
28.85
74
203.8
Shares (diluted)M
230.4
220.4
228.3
241.4
264.4
290.3
274.9
282.9
321.3
332.3
197.0
4.68%
3.87%
43
28.74
Buyback yield%
27.94
25.85
22.89
25.36
25.54
23.10
24.27
23.04
25.40
22.85
20.65
23.10
24.81
60
0.236
D/E ratiox
1.337
1.178
1.186
1.058
1.029
1.108
1.093
0.978
0.912
0.901
0.983
0.978
1.075
29
55.47
AssetsQR M
252.6
275.0
289.3
320.1
340.1
363.1
392.6
440.1
481.8
511.8
118.1
8.52%
8.22%
39
86.10
LT debtQR M
100.5
110.4
117.8
133.1
142.1
158.1
167.8
174.9
166.7
160.4
158.6
2.45%
4.13%
24
Claims and benefits
4.18%
0.99×