3.397
RevenueSR B
4.554
4.737
4.817
5.072
5.173
5.417
5.727
5.959
6.197
6.340
3.550
4.15%
3.62%
88
9.72
Revenue growth%
17.32
17.40
16.80
18.03
19.26
21.67
24.48
25.28
22.69
23.58
5.75
23.58
20.46
64
6.68
Combined R.%
81.08
79.84
81.67
82.36
80.49
81.83
81.85
81.40
80.92
79.45
17.29
81.40
81.24
75
27.24
Operating margin%
14.79
15.51
14.36
17.26
19.19
19.03
21.16
19.98
19.13
16.81
11.68
19.13
18.15
26
9.85
Net margin%
6.36
3.87
5.03
4.86
2.91
1.98
4.98
6.53
6.38
9.02
21.36
6.38
5.00
84
12.04
P/E ratio (avg)x
13.74
16.30
15.93
17.49
18.62
22.18
24.98
26.92
29.23
33.36
11.29
26.92
20.40
45
30.45
P/TBVx
28.44
24.11
25.98
27.72
25.22
24.77
22.18
20.11
19.93
20.26
33.01
20.26
24.44
66
14.61
P/Bx
68.82
80.84
90.86
101.4
100.7
101.8
100.9
113.1
117.9
133.7
18.49
113.1
101.1
49
8.45
Prem. grth%
18.96
18.34
19.63
21.57
22.08
19.75
18.76
18.14
20.47
17.51
18.51
18.76
19.29
62
27.72
Invest. yld%
32.48
35.47
35.90
33.18
34.04
32.14
29.52
32.04
33.41
31.49
18.29
32.04
32.83
33
4.33
BVPS grth%
16.92
18.49
18.46
19.87
19.13
20.48
22.19
22.37
24.40
21.65
11.75
22.19
20.18
78
3.28
Return on equity%
19.99
20.99
21.54
22.54
25.38
26.03
23.66
26.43
28.42
30.38
4.50
26.43
24.52
92
18.37
Return on assets%
17.37
15.48
13.48
15.75
13.32
13.13
15.10
16.39
18.76
21.23
9.71
16.39
15.62
40
23.06
EPSSR
19.52
19.81
18.36
18.84
20.91
20.82
22.09
23.09
22.78
23.31
23.99
2.20%
1.78%
—
8.46
EPS growth%
15.16
15.77
13.66
15.31
16.92
19.30
17.61
20.21
21.02
22.30
28.02
20.21
17.26
56
19.22
Bookvalue per shSR
38.80
39.28
36.34
39.11
36.52
37.81
36.02
34.31
32.08
36.42
12.20
(0.06%)
0.30%
—
24.20
TBV/shSR
8.44
8.44
7.76
7.43
7.22
7.13
7.94
7.32
7.20
6.66
16.97
(1.60%)
(2.42%)
—
7.30
Dividend per shSR
30.73
32.20
30.57
28.24
26.32
24.93
25.71
26.03
27.87
26.67
27.14
0.26%
(1.46%)
—
28.53
Div yield (avg)%
24.90
22.09
24.07
25.77
26.28
24.18
25.42
26.31
24.92
27.58
16.86
25.42
25.17
74
26.32
Payout ratio%
7.80
8.03
10.07
7.35
8.98
7.09
7.60
7.74
8.69
10.02
20.35
7.74
7.92
43
150.0
Shares (diluted)M
127.4
140.9
133.5
118.8
109.6
120.1
112.0
118.1
110.3
110.4
144.0
0.15%
(2.59%)
77
10.82
Buyback yield%
20.85
19.44
22.02
21.23
20.14
17.26
19.07
18.08
18.45
17.89
20.15
18.08
19.25
87
0.801
D/E ratiox
0.210
0.213
0.229
0.247
0.225
0.216
0.212
0.198
0.179
0.178
1.227
0.198
0.213
40
6.105
AssetsSR B
5.473
6.076
6.262
7.101
7.975
8.737
9.513
10.48
11.77
12.73
2.084
9.80%
9.24%
33
2.753
LT debtSR B
3.276
2.932
2.748
2.865
2.652
2.886
2.669
2.420
2.631
2.853
4.303
1.47%
(0.56%)
81
Claims and benefits
3.80%
1.02×
Spread over hurdle
23.60%