87.39
RevenueSR M
55.83
57.52
61.20
64.31
67.18
70.47
74.24
78.11
81.98
87.31
91.64
5.38%
5.25%
47
25.01
Revenue growth%
24.33
26.01
25.78
26.10
25.95
28.24
27.39
28.59
30.48
28.13
2.29
28.24
26.74
44
15.21
Combined R.%
81.52
80.78
81.16
82.07
79.59
80.77
82.19
80.42
80.78
80.51
27.03
80.77
80.78
29
15.47
Operating margin%
13.89
14.09
15.72
15.89
17.40
19.10
18.88
15.97
14.01
15.94
12.68
15.97
15.92
87
23.76
Net margin%
16.26
13.75
12.68
11.78
10.94
12.00
14.96
16.75
16.54
17.52
29.59
16.54
14.35
82
36.67
P/E ratio (avg)x
20.38
21.83
23.20
22.90
24.14
26.07
24.83
24.51
26.92
29.31
37.32
26.07
24.32
28
16.21
P/TBVx
12.10
12.81
13.84
12.72
12.78
11.51
11.12
11.77
10.38
9.276
24.39
11.12
11.94
55
24.02
P/Bx
40.25
38.73
44.85
46.92
50.83
52.13
59.17
66.09
66.07
72.13
26.65
66.07
51.48
37
6.88
Prem. grth%
12.64
12.99
15.88
13.42
12.43
14.29
15.05
14.85
12.06
11.90
17.97
14.29
13.21
29
7.95
Invest. yld%
9.42
10.41
13.29
11.33
11.70
13.84
16.53
16.02
13.62
10.77
12.52
13.84
12.50
13
26.73
BVPS grth%
29.54
28.23
28.12
29.64
31.70
30.26
29.65
30.75
28.47
27.84
5.64
29.65
29.59
45
19.46
Return on equity%
11.62
8.87
6.30
7.64
10.11
12.24
11.79
10.03
12.65
12.82
8.67
12.24
10.86
39
14.14
Return on assets%
28.73
28.19
30.76
28.71
29.76
27.82
30.23
32.46
34.46
36.92
21.79
32.46
30.00
92
0.90
EPSSR
0.97
1.02
0.94
0.93
0.87
0.76
0.78
0.78
0.85
0.85
0.98
(0.56%)
(2.07%)
—
6.82
EPS growth%
16.81
18.14
17.35
16.64
18.25
15.55
13.01
14.47
16.90
16.72
11.70
15.55
16.77
54
0.85
Bookvalue per shSR
0.58
0.51
0.47
0.45
0.44
0.45
0.41
0.37
0.34
0.36
0.68
(4.08%)
(4.87%)
—
0.85
TBV/shSR
0.37
0.37
0.40
0.37
0.34
0.34
0.37
0.38
0.39
0.43
0.46
4.38%
1.34%
—
0.67
Dividend per shSR
0.90
0.96
1.09
1.31
1.50
1.67
1.98
2.08
2.51
2.96
0.88
14.55%
13.88%
—
22.16
Div yield (avg)%
23.79
25.70
23.72
24.16
21.89
21.58
23.96
25.85
28.55
30.88
2.89
25.85
24.06
25
11.44
Payout ratio%
0.40
1.86
3.15
1.06
0.40
0.40
2.25
4.43
2.86
2.68
12.98
2.68
2.05
66
29.33
Shares (diluted)M
38.53
37.62
36.26
38.04
35.16
38.33
35.43
31.86
33.91
31.14
29.90
(2.40%)
(1.63%)
5
24.52
Buyback yield%
18.77
17.80
16.50
16.73
15.51
14.57
14.55
16.99
14.53
14.44
11.41
14.55
16.01
58
1.078
D/E ratiox
0.290
0.308
0.308
0.334
0.353
0.390
0.390
0.446
0.457
0.475
1.347
0.446
0.371
88
53.75
AssetsSR M
41.29
43.72
47.60
50.19
54.36
58.14
63.21
66.08
70.04
76.62
21.58
7.10%
7.24%
15
57.91
LT debtSR M
28.38
27.27
26.85
28.96
29.52
26.71
24.73
27.53
28.37
31.92
5.247
1.58%
1.89%
62
Claims and benefits
5.05%
0.98×