159.6
RevenueQR M
236.5
255.7
273.7
285.2
304.7
327.0
350.1
366.8
390.8
410.1
174.7
6.13%
6.12%
12
2.07
Revenue growth%
22.98
20.73
23.24
23.51
20.53
23.19
22.71
23.64
24.61
23.13
28.25
23.19
23.16
13
24.96
Combined R.%
91.33
88.50
90.22
89.82
90.54
88.95
89.53
88.95
89.94
89.85
14.30
89.53
89.84
47
8.77
Operating margin%
2.69
0.40
0.92
0.40
0.40
2.30
1.45
0.40
0.40
0.40
12.24
0.40
0.40
36
11.34
Net margin%
2.87
4.16
6.39
9.35
7.82
5.75
6.05
3.71
2.07
1.24
16.70
3.71
4.95
90
27.96
P/E ratio (avg)x
47.75
52.98
50.75
50.36
51.61
50.92
48.91
54.98
52.60
47.92
13.68
50.92
50.83
82
13.41
P/TBVx
46.20
45.04
47.69
48.97
52.05
57.83
55.94
59.47
57.99
62.33
20.51
57.99
54.00
45
14.86
P/Bx
38.68
39.77
44.25
41.92
46.85
48.79
45.24
43.78
45.65
50.69
17.04
45.65
44.75
33
23.67
Prem. grth%
8.08
8.82
8.06
10.65
9.59
8.82
7.64
6.04
3.63
2.02
29.67
6.04
8.07
78
3.90
Invest. yld%
6.57
4.19
2.16
0.40
0.90
0.40
0.40
1.98
4.42
2.11
10.65
1.98
2.05
70
6.61
BVPS grth%
9.79
7.44
9.51
11.55
12.96
15.39
14.17
15.40
15.06
13.25
17.01
15.06
13.10
5
19.57
Return on equity%
8.16
7.89
5.88
5.41
7.30
7.34
4.97
6.96
9.66
8.03
5.90
7.34
7.32
72
14.14
Return on assets%
13.61
13.52
12.81
15.47
17.87
18.61
16.01
18.28
18.95
19.88
21.69
18.61
16.94
29
1.02
EPSQR
0.68
0.66
0.68
0.68
0.62
0.66
0.58
0.56
0.48
0.41
1.04
(7.82%)
(6.45%)
—
23.17
EPS growth%
0.40
0.40
0.40
0.40
0.40
0.40
0.40
0.40
2.88
5.44
16.50
0.40
0.40
19
0.97
Bookvalue per shQR
0.48
0.42
0.45
0.41
0.40
0.34
0.37
0.39
0.40
0.44
0.93
1.73%
(0.77%)
—
1.26
TBV/shQR
0.63
0.61
0.66
0.62
0.65
0.71
0.68
0.74
0.83
0.76
0.38
3.29%
2.97%
—
0.26
Dividend per shQR
1.07
1.20
1.29
1.56
1.54
1.85
1.98
2.33
2.44
2.83
1.05
12.96%
11.91%
—
9.87
Div yield (avg)%
14.64
16.95
15.08
16.93
17.75
14.95
13.12
12.65
12.68
10.64
13.61
12.68
14.79
29
7.10
Payout ratio%
13.20
10.29
12.43
13.45
13.72
11.29
10.84
7.97
9.05
7.29
8.72
9.05
11.06
75
150.3
Shares (diluted)M
120.5
115.5
110.5
105.4
118.3
126.2
126.7
123.0
121.0
134.9
148.3
2.65%
0.50%
49
27.44
Buyback yield%
19.13
18.89
20.23
21.10
23.17
22.50
25.41
27.21
24.38
24.29
25.30
24.38
22.83
44
1.438
D/E ratiox
0.425
0.395
0.347
0.348
0.343
0.328
0.355
0.325
0.338
0.340
1.373
0.338
0.345
37
0.358
AssetsQR B
0.956
1.046
1.139
1.249
1.402
1.499
1.614
1.802
1.895
2.107
0.377
8.48%
9.37%
72
186.1
LT debtQR M
153.3
142.4
160.8
156.0
166.9
191.9
207.7
221.1
236.3
275.6
305.4
10.55%
6.87%
33
Claims and benefits
6.01%
0.99×
Spread over hurdle
(0.40%)