29.07
RevenueSR M
43.88
48.01
51.18
54.18
58.31
61.82
65.92
69.97
73.62
77.89
32.05
5.96%
6.53%
56
23.49
Revenue growth%
5.24
4.78
4.51
2.87
0.88
0.40
0.40
1.38
0.40
0.40
20.16
0.40
1.13
85
14.80
Combined R.%
77.71
79.46
77.87
80.28
78.99
78.92
79.12
79.30
80.05
79.19
20.61
79.19
79.16
20
6.08
Operating margin%
8.25
7.27
8.32
6.85
5.64
8.32
10.73
9.59
6.88
7.91
8.55
8.32
8.08
49
9.21
Net margin%
23.97
22.82
25.35
26.05
26.55
24.38
26.37
27.97
27.12
25.74
15.26
26.37
25.89
65
15.36
P/E ratio (avg)x
12.57
11.89
11.79
11.42
11.63
11.12
12.12
13.30
12.69
13.32
25.63
12.69
12.00
91
14.11
P/TBVx
8.983
10.16
11.26
11.16
11.72
13.82
15.37
16.37
16.38
15.77
9.528
15.77
12.77
43
27.25
P/Bx
30.19
29.51
31.53
28.21
26.53
24.80
24.28
21.72
19.43
20.42
13.56
21.72
25.67
58
10.30
Prem. grth%
16.70
17.84
16.41
15.54
16.96
15.33
14.09
14.76
16.77
17.81
4.60
15.33
16.55
93
21.29
Invest. yld%
27.28
24.42
22.24
25.23
25.23
24.00
21.92
19.50
22.45
22.91
7.00
22.45
23.45
55
15.41
BVPS grth%
15.16
15.85
13.00
14.53
12.74
15.54
15.21
13.89
11.87
11.52
15.82
13.89
14.21
84
7.39
Return on equity%
11.41
10.65
13.04
15.87
15.99
17.47
20.02
17.10
17.07
16.37
16.02
17.10
16.18
29
7.36
Return on assets%
6.73
8.35
7.38
9.99
9.75
12.73
15.01
14.45
16.77
18.35
11.33
15.01
11.36
55
0.85
EPSSR
0.96
1.06
0.97
0.91
0.85
0.88
0.90
0.88
0.85
0.91
0.94
1.40%
(0.17%)
—
26.14
EPS growth%
11.05
8.41
6.35
4.94
2.25
2.53
0.40
0.47
1.20
0.40
6.47
0.47
2.39
32
0.80
Bookvalue per shSR
1.78
1.84
2.16
2.32
2.63
3.02
3.20
3.56
4.30
4.97
0.30
13.59%
11.19%
—
1.03
TBV/shSR
0.83
0.89
1.00
1.07
1.12
1.20
1.28
1.20
1.20
1.30
0.20
3.03%
4.17%
—
0.44
Dividend per shSR
0.33
0.34
0.38
0.41
0.41
0.42
0.44
0.42
0.48
0.48
0.19
3.32%
4.29%
—
21.77
Div yield (avg)%
22.37
24.51
23.34
23.20
22.26
23.03
20.53
20.57
18.62
19.78
7.65
20.53
22.31
49
14.72
Payout ratio%
10.21
8.35
7.48
6.84
7.26
5.44
6.94
5.08
5.37
8.31
24.61
5.44
7.10
33
48.58
Shares (diluted)M
48.42
47.15
46.31
45.77
45.96
44.10
47.97
49.07
48.37
44.73
51.17
(0.54%)
(1.37%)
76
26.26
Buyback yield%
20.23
22.86
21.94
24.08
22.03
24.34
22.28
20.93
18.22
20.53
2.52
20.93
21.98
22
0.625
D/E ratiox
0.499
0.516
0.559
0.580
0.528
0.455
0.410
0.349
0.326
0.291
0.394
0.349
0.477
93
28.03
AssetsSR M
125.0
139.4
149.5
160.3
174.9
197.8
209.9
233.2
255.9
273.5
90.44
9.35%
8.91%
12
22.11
LT debtSR M
86.16
96.21
95.88
107.0
103.4
113.4
108.1
98.88
100.3
98.71
12.32
(0.93%)
1.89%
32
Claims and benefits
6.27%
0.98×