43.05
RevenueSR M
31.58
31.61
32.52
33.41
34.58
35.65
35.70
36.78
37.84
39.02
47.49
2.45%
2.05%
20
13.43
Revenue growth%
22.02
21.93
24.34
21.71
24.21
22.15
20.16
22.47
24.98
24.54
3.19
22.47
22.31
6
11.54
Combined R.%
85.73
84.77
85.52
84.09
85.23
86.77
85.47
84.91
86.28
85.31
12.54
85.47
85.39
23
25.85
Operating margin%
3.77
3.37
3.17
4.35
6.17
6.88
8.04
8.12
10.23
11.93
6.50
8.12
6.53
26
28.04
Net margin%
32.07
34.08
33.67
34.84
32.41
33.78
32.62
32.50
35.31
36.58
28.75
33.78
33.72
15
30.04
P/E ratio (avg)x
31.40
33.45
32.53
36.30
38.52
38.26
38.67
41.04
47.36
52.32
14.37
41.04
38.39
35
19.52
P/TBVx
18.03
18.32
18.90
17.75
16.75
16.86
15.68
14.60
15.04
14.23
14.26
15.04
16.81
39
19.20
P/Bx
44.51
48.21
57.44
61.05
62.45
70.92
75.89
76.92
89.92
88.42
29.16
76.92
66.69
74
13.87
Prem. grth%
16.43
17.02
19.48
22.31
22.33
22.98
24.20
26.87
24.51
25.06
29.52
24.51
22.66
77
7.48
Invest. yld%
30.48
32.11
29.40
27.93
26.35
27.81
27.07
27.52
26.28
29.15
8.88
27.52
27.87
43
6.89
BVPS grth%
12.85
14.14
12.71
12.52
14.84
15.45
17.86
20.63
21.98
22.56
5.77
20.63
15.15
89
7.24
Return on equity%
21.09
19.74
16.83
17.89
18.00
17.91
15.26
15.47
12.52
10.09
17.77
15.26
17.36
90
28.66
Return on assets%
7.79
9.22
8.58
9.57
11.53
10.32
12.84
13.39
14.97
14.96
28.83
13.39
10.93
45
0.52
EPSSR
0.42
0.41
0.44
0.48
0.49
0.52
0.54
0.53
0.46
0.40
0.57
(4.05%)
(0.82%)
—
3.31
EPS growth%
12.64
13.42
11.60
9.32
11.80
10.55
9.88
12.16
13.01
13.97
5.18
12.16
11.98
68
0.51
Bookvalue per shSR
0.20
0.22
0.21
0.22
0.20
0.20
0.21
0.22
0.25
0.25
0.63
4.50%
3.16%
—
0.59
TBV/shSR
0.36
0.41
0.47
0.47
0.55
0.54
0.59
0.66
0.70
0.75
0.51
6.52%
9.18%
—
0.71
Dividend per shSR
0.83
0.95
0.94
0.98
1.10
1.23
1.42
1.50
1.53
1.54
0.14
6.95%
7.69%
—
29.93
Div yield (avg)%
18.63
17.15
14.65
15.66
14.77
14.88
15.62
13.00
11.07
13.35
2.63
13.35
14.83
72
7.27
Payout ratio%
17.95
15.20
15.42
15.46
18.19
16.78
14.85
17.64
19.51
21.63
29.75
17.64
17.21
74
28.50
Shares (diluted)M
25.85
26.78
25.94
22.71
22.51
20.19
21.60
18.93
19.91
19.10
29.56
(3.23%)
(4.22%)
46
26.26
Buyback yield%
4.36
3.93
4.04
6.13
5.25
2.33
1.93
0.40
0.40
0.40
14.98
0.40
3.13
71
0.358
D/E ratiox
1.213
1.072
1.176
1.066
0.940
0.922
0.844
0.831
0.890
0.801
0.872
0.844
0.931
64
51.66
AssetsSR M
114.8
125.7
133.2
143.2
158.9
175.0
184.0
191.4
207.4
232.6
46.34
7.91%
8.57%
72
48.71
LT debtSR M
22.90
22.17
20.75
20.89
19.88
21.11
19.51
22.03
22.96
23.72
23.16
3.59%
1.04%
14
Claims and benefits
1.85%
0.98×