58.71
RevenueSR M
54.66
54.39
54.66
56.25
56.87
59.17
59.36
61.26
63.32
64.68
65.68
2.61%
2.14%
51
11.10
Revenue growth%
14.44
16.32
13.33
13.72
16.04
16.06
13.22
16.02
13.81
13.72
28.03
13.81
14.13
91
15.04
Combined R.%
84.48
85.48
84.99
85.45
85.04
83.43
83.55
86.11
85.43
85.91
16.42
85.43
85.24
48
26.24
Operating margin%
12.35
11.19
10.81
9.07
11.72
11.28
8.40
7.54
7.77
5.86
21.21
7.77
9.94
45
15.72
Net margin%
13.78
14.31
11.95
10.04
7.98
10.85
12.71
11.46
11.05
12.32
28.88
11.46
11.71
59
11.22
P/E ratio (avg)x
5.633
5.550
4.797
4.631
4.614
4.221
4.357
4.479
4.152
3.582
35.09
4.221
4.547
85
30.37
P/TBVx
19.04
20.71
21.93
19.92
18.52
18.77
20.02
19.33
21.47
22.81
24.34
20.02
19.97
48
18.59
P/Bx
31.37
34.86
33.68
38.81
41.81
44.13
50.71
48.47
46.90
44.09
13.57
46.90
42.95
6
12.49
Prem. grth%
10.58
11.27
9.31
12.11
9.72
9.57
6.65
3.96
6.38
4.74
26.58
6.38
9.44
9
28.05
Invest. yld%
5.87
5.04
3.01
3.28
0.40
1.12
3.99
5.66
3.99
5.12
4.84
3.99
3.99
85
16.95
BVPS grth%
15.19
18.10
18.96
20.22
21.99
23.37
24.24
25.72
23.04
20.85
21.70
23.37
21.42
33
17.55
Return on equity%
10.52
7.91
9.55
8.83
9.54
11.33
12.24
14.73
17.13
18.66
13.60
14.73
10.93
38
14.96
Return on assets%
30.96
31.10
29.40
32.12
33.82
32.26
33.86
32.61
32.42
29.89
28.93
32.42
32.19
8
1.07
EPSSR
0.85
0.86
0.91
0.99
1.11
1.22
1.23
1.39
1.65
1.61
1.12
7.81%
7.40%
—
15.78
EPS growth%
12.53
10.80
9.30
10.77
10.32
10.87
12.31
10.72
11.99
11.16
27.62
11.16
10.84
70
1.62
Bookvalue per shSR
0.67
0.60
0.58
0.62
0.61
0.58
0.62
0.57
0.52
0.58
0.56
(0.94%)
(0.85%)
—
0.52
TBV/shSR
0.84
0.73
0.69
0.61
0.62
0.55
0.52
0.45
0.45
0.44
0.61
(6.47%)
(6.88%)
—
1.27
Dividend per shSR
1.33
1.42
1.54
1.47
1.51
1.45
1.33
1.24
1.22
1.21
1.07
(4.30%)
(1.65%)
—
28.22
Div yield (avg)%
14.59
16.12
18.58
19.10
17.82
18.76
17.47
19.96
20.71
23.67
8.86
19.96
18.67
38
9.54
Payout ratio%
20.41
17.72
15.55
14.03
12.41
14.13
15.72
15.74
18.31
17.65
13.24
15.74
15.73
20
29.30
Shares (diluted)M
61.11
67.99
74.55
79.77
91.57
102.5
112.3
132.3
140.9
140.8
29.14
8.99%
10.54%
6
9.30
Buyback yield%
26.85
29.39
27.50
30.04
28.95
30.23
32.54
30.46
32.48
30.83
21.62
30.83
30.13
85
0.716
D/E ratiox
0.850
0.974
0.962
0.923
0.927
0.870
0.945
0.908
1.013
0.947
0.132
0.945
0.936
88
76.00
AssetsSR M
91.09
101.9
105.5
117.0
121.5
134.6
141.8
161.8
168.3
181.5
34.31
8.36%
7.53%
41
21.45
LT debtSR M
111.6
116.6
133.4
133.5
138.4
140.3
146.1
149.5
145.6
162.4
14.54
3.25%
3.58%
19
Claims and benefits
2.27%
1.01×
Spread over hurdle
11.32%