104.4
RevenueSR M
446.1
449.5
444.2
456.5
466.9
475.9
468.5
472.4
468.9
481.3
116.1
0.61%
0.72%
55
5.73
Revenue growth%
5.59
5.45
7.62
8.53
6.41
6.45
8.35
7.78
7.98
4.98
18.58
7.78
7.04
72
29.91
Combined R.%
76.87
77.16
76.54
77.14
74.49
75.48
76.29
76.13
76.57
76.70
23.50
76.29
76.55
74
19.54
Operating margin%
8.74
8.15
6.55
5.88
8.83
10.49
8.42
7.17
6.92
8.00
23.31
8.00
8.07
46
13.72
Net margin%
24.17
26.10
27.14
28.35
30.78
32.39
35.11
34.44
33.51
34.51
18.90
34.44
31.59
68
26.32
P/E ratio (avg)x
44.04
45.36
50.92
57.77
60.79
61.51
69.96
77.22
75.74
76.51
26.15
75.74
61.15
21
15.54
P/TBVx
6.584
6.188
5.536
5.737
5.836
6.395
6.870
7.071
7.803
8.615
11.16
7.071
6.490
26
36.44
P/Bx
15.94
17.30
17.98
17.64
18.58
19.47
21.05
21.02
20.66
18.95
37.26
20.66
18.77
93
6.22
Prem. grth%
20.65
22.94
20.62
18.48
17.79
19.03
21.30
20.80
23.06
21.66
22.20
21.30
20.73
12
16.27
Invest. yld%
2.55
5.26
6.73
5.74
4.60
2.17
4.95
4.16
1.54
0.53
27.69
2.17
4.38
58
27.68
BVPS grth%
24.96
26.16
23.96
22.94
23.68
22.52
24.48
23.99
21.83
18.98
3.43
22.52
23.82
16
6.87
Return on equity%
20.05
21.87
24.44
22.39
23.98
25.93
27.57
27.98
29.70
26.81
4.00
27.57
25.18
14
25.67
Return on assets%
18.93
19.74
18.72
15.80
15.32
13.11
12.85
15.24
12.89
14.21
2.22
13.11
15.28
6
0.86
EPSSR
1.08
1.11
1.13
1.18
1.29
1.13
1.18
1.19
1.26
1.35
0.88
0.91%
1.78%
—
4.97
EPS growth%
14.72
11.81
9.60
6.71
5.28
3.23
5.59
7.75
5.57
5.57
8.61
5.57
6.15
72
2.72
Bookvalue per shSR
1.92
2.02
2.28
2.62
2.99
3.12
3.15
3.41
3.59
4.07
0.86
6.37%
8.87%
—
1.41
TBV/shSR
2.36
2.30
2.28
2.34
2.54
2.76
3.06
3.34
3.76
3.80
0.56
8.43%
4.86%
—
2.58
Dividend per shSR
1.68
1.93
2.06
2.30
2.37
2.50
2.79
2.55
2.41
2.68
1.39
2.50%
4.43%
—
9.49
Div yield (avg)%
13.56
15.88
14.12
13.07
15.77
18.09
20.71
18.00
16.02
13.55
4.82
18.00
15.82
86
10.03
Payout ratio%
22.45
20.92
17.99
19.28
18.07
17.04
19.11
22.10
24.67
27.36
8.65
22.10
20.10
90
135.4
Shares (diluted)M
155.9
180.5
197.3
188.5
206.2
202.9
221.7
212.4
244.8
255.4
138.6
4.37%
5.43%
14
23.77
Buyback yield%
19.15
19.25
18.04
18.49
17.35
16.49
16.62
19.03
18.86
19.62
15.79
18.86
18.67
31
0.858
D/E ratiox
1.437
1.575
1.737
1.695
1.815
1.956
1.775
1.872
1.718
1.864
1.565
1.864
1.756
88
0.077
AssetsSR B
1.198
1.354
1.512
1.660
1.813
1.991
2.106
2.283
2.491
2.698
0.407
8.27%
9.46%
79
195.6
LT debtSR M
491.9
549.9
549.5
568.8
526.1
543.1
513.1
519.4
560.4
563.6
55.99
1.39%
1.18%
5
Claims and benefits
0.84%
1.01×