134.8
RevenueSR M
176.6
181.9
190.8
197.9
199.9
205.8
211.0
213.6
216.7
226.5
142.6
2.53%
2.97%
44
4.12
Revenue growth%
19.68
16.76
15.46
13.23
13.98
16.55
18.26
19.94
18.70
19.23
28.01
18.70
17.51
84
25.75
Combined R.%
86.18
87.99
87.47
87.02
87.89
87.51
89.10
86.61
86.40
85.46
24.80
86.61
87.25
29
24.47
Operating margin%
5.39
7.35
7.48
10.02
7.34
10.23
9.69
10.02
7.45
8.82
15.90
9.69
8.15
90
13.94
Net margin%
1.59
4.42
5.25
2.59
0.40
0.40
0.40
0.40
0.40
0.40
8.86
0.40
0.40
87
14.32
P/E ratio (avg)x
15.10
15.43
16.53
14.61
15.09
16.46
16.55
15.80
13.94
13.17
22.58
15.80
15.26
22
17.31
P/TBVx
35.01
39.85
36.85
34.12
32.41
35.93
34.30
34.72
38.20
42.03
6.832
35.93
35.47
93
26.75
P/Bx
28.94
27.14
28.54
28.88
30.95
28.93
31.30
29.22
31.21
29.48
15.66
29.48
29.08
36
13.67
Prem. grth%
9.54
6.66
4.44
2.10
4.40
3.37
3.75
2.73
0.40
1.54
9.56
2.73
3.56
79
22.52
Invest. yld%
12.45
11.77
11.63
8.64
8.85
10.17
13.15
12.99
13.57
13.62
7.58
13.15
12.11
88
2.70
BVPS grth%
15.02
16.21
15.46
15.12
14.96
16.98
19.87
21.60
18.98
17.99
11.23
18.98
16.59
10
3.08
Return on equity%
0.62
0.40
2.49
1.88
2.20
0.81
1.43
0.40
1.64
0.40
8.55
0.81
1.12
39
26.86
Return on assets%
13.29
13.68
10.98
11.51
10.61
11.30
13.99
11.29
9.31
9.98
10.06
11.29
11.29
77
0.41
EPSSR
1.70
1.83
1.70
1.54
1.61
1.74
1.89
1.87
1.71
1.81
0.45
2.29%
(0.23%)
—
13.92
EPS growth%
39.74
41.03
41.77
39.11
39.45
41.05
41.04
38.87
40.38
39.52
23.69
40.38
40.06
16
1.76
Bookvalue per shSR
1.45
1.43
1.27
1.15
1.25
1.12
1.03
1.05
0.93
0.87
0.32
(7.02%)
(5.15%)
—
1.82
TBV/shSR
2.35
2.53
2.40
2.38
2.36
2.58
2.67
3.03
3.48
3.91
0.66
10.64%
5.72%
—
2.11
Dividend per shSR
1.25
1.27
1.28
1.43
1.61
1.70
1.98
2.20
2.43
2.59
1.57
9.89%
9.15%
—
16.74
Div yield (avg)%
11.04
10.58
13.40
15.68
13.15
13.93
16.75
16.04
17.77
19.58
25.50
16.75
14.81
7
23.19
Payout ratio%
0.40
0.40
2.33
1.14
1.78
1.94
0.80
0.40
2.15
1.87
10.37
1.87
1.46
9
77.52
Shares (diluted)M
124.5
130.2
155.1
177.5
193.5
234.4
246.3
296.8
334.7
368.4
79.77
13.75%
11.70%
73
17.60
Buyback yield%
13.84
14.27
15.58
13.73
12.54
14.74
15.88
15.95
15.13
14.28
3.77
15.13
14.51
42
1.079
D/E ratiox
1.088
1.174
1.316
1.468
1.775
2.144
2.436
2.518
2.992
3.312
0.565
2.518
1.960
40
0.150
AssetsSR B
0.798
0.834
0.932
0.964
1.063
1.170
1.251
1.341
1.396
1.548
0.198
7.81%
7.97%
8
259.4
LT debtSR M
20.50
20.25
19.43
17.35
18.52
19.19
18.56
19.90
17.52
17.41
79.34
(1.23%)
(2.32%)
94
Claims and benefits
2.72%
0.98×
Spread over hurdle
(0.57%)