56.94
RevenueSR M
70.59
71.82
72.93
75.57
78.74
82.77
85.23
86.70
89.98
91.32
59.12
3.01%
2.80%
19
14.62
Revenue growth%
4.94
5.01
6.00
6.05
6.06
5.03
6.00
8.75
9.51
8.03
12.09
8.03
6.03
44
2.51
Combined R.%
92.65
91.57
92.84
92.26
93.54
92.37
92.29
91.48
93.29
91.74
15.88
92.29
92.33
45
7.27
Operating margin%
31.70
33.24
33.87
33.30
35.75
33.55
36.49
37.54
37.40
35.05
18.73
36.49
34.46
54
14.57
Net margin%
10.71
7.90
10.53
10.81
11.82
14.40
16.63
16.14
13.16
12.49
22.57
14.40
12.15
83
24.80
P/E ratio (avg)x
31.76
29.24
32.48
30.75
28.43
26.48
23.62
25.67
26.21
27.88
10.78
26.21
28.15
15
27.78
P/TBVx
48.67
58.77
68.07
74.09
73.09
76.85
83.32
84.95
88.71
107.0
10.87
84.95
75.47
27
11.07
P/Bx
29.20
30.78
28.80
26.34
24.47
24.32
26.84
24.93
26.11
28.86
19.90
26.11
26.59
88
6.28
Prem. grth%
20.04
19.49
17.54
16.16
17.17
16.16
18.38
16.91
17.21
16.25
25.12
16.91
17.19
54
8.17
Invest. yld%
5.08
5.46
3.03
0.91
0.40
0.40
1.34
4.12
3.01
2.34
4.59
2.34
2.67
20
18.40
BVPS grth%
19.24
21.19
19.78
22.25
22.33
21.25
20.81
22.44
25.18
25.14
20.85
22.44
21.75
21
25.96
Return on equity%
22.89
24.25
25.99
28.67
28.66
28.05
28.86
28.67
29.09
28.25
12.66
28.67
28.45
11
21.30
Return on assets%
12.68
13.56
16.51
18.08
17.27
19.57
19.17
21.60
19.69
20.87
15.18
19.69
18.62
38
0.49
EPSSR
3.05
3.20
3.43
3.30
3.19
2.97
2.87
2.87
2.86
3.11
0.50
(0.51%)
(0.36%)
—
27.51
EPS growth%
14.37
12.32
14.28
15.83
17.97
19.51
18.64
18.11
19.46
16.93
24.87
18.64
17.45
67
1.26
Bookvalue per shSR
1.52
1.38
1.25
1.29
1.32
1.22
1.20
1.07
1.01
1.04
1.10
(4.70%)
(3.81%)
—
0.74
TBV/shSR
1.13
1.25
1.50
1.74
2.09
2.25
2.21
2.42
2.54
2.64
0.84
4.80%
8.98%
—
0.71
Dividend per shSR
0.47
0.50
0.59
0.62
0.64
0.67
0.68
0.74
0.72
0.78
1.26
3.94%
5.27%
—
10.28
Div yield (avg)%
16.11
17.97
18.07
15.68
14.43
11.74
8.94
8.57
9.09
9.97
3.94
9.09
13.09
40
20.80
Payout ratio%
18.65
16.21
18.04
20.31
19.25
18.35
17.82
18.99
17.16
17.17
23.01
17.82
18.19
42
45.83
Shares (diluted)M
63.62
63.80
67.09
64.98
66.75
65.16
69.50
75.89
85.43
88.80
45.62
5.88%
4.18%
55
24.61
Buyback yield%
14.92
12.40
15.20
14.85
12.14
13.15
14.26
14.74
13.73
16.03
9.20
14.26
14.50
19
0.526
D/E ratiox
2.946
3.222
3.258
3.306
3.800
4.521
4.449
4.756
5.051
5.549
1.688
4.756
4.125
13
96.12
AssetsSR M
15.97
16.94
19.06
21.14
23.05
26.28
28.11
31.49
34.24
37.37
94.57
10.15%
9.96%
78
77.18
LT debtSR M
18.29
17.90
16.12
15.95
16.08
14.78
14.86
16.18
17.37
15.60
63.65
(0.61%)
(0.41%)
8
Claims and benefits
2.55%
0.98×