1.958
RevenueSR B
1.452
1.578
1.716
1.827
1.931
2.070
2.192
2.366
2.516
2.698
2.000
6.92%
7.07%
78
25.87
Revenue growth%
2.09
0.40
0.40
1.16
0.40
1.04
0.40
0.40
1.03
3.28
23.34
1.03
0.71
50
7.76
Combined R.%
78.62
79.37
79.74
79.46
79.34
79.90
80.75
79.34
79.17
81.14
29.70
79.90
79.42
82
8.76
Operating margin%
25.19
24.07
26.78
26.23
24.97
26.40
26.52
25.39
24.09
24.34
23.78
25.39
25.29
45
28.85
Net margin%
2.45
0.40
2.77
3.64
4.68
2.23
3.88
4.36
6.73
7.52
24.33
4.36
3.76
76
34.31
P/E ratio (avg)x
16.42
17.84
16.46
15.06
13.38
13.24
13.99
12.67
11.64
11.69
18.14
12.67
13.69
23
27.60
P/TBVx
9.484
8.326
8.675
9.124
9.504
8.985
8.003
7.943
8.105
7.463
8.793
8.003
8.500
53
31.69
P/Bx
25.84
25.03
23.03
23.09
23.82
26.22
25.44
26.06
28.03
29.50
36.76
26.22
25.64
36
9.33
Prem. grth%
6.26
8.97
6.77
9.21
11.39
11.53
10.83
9.01
9.52
7.45
4.72
9.52
9.11
36
11.58
Invest. yld%
33.08
31.62
29.98
27.21
28.60
30.50
29.90
30.98
33.03
32.43
6.31
30.98
30.74
20
15.26
BVPS grth%
18.89
16.34
17.20
19.58
21.29
22.39
21.63
20.88
23.06
20.81
2.54
21.63
20.84
93
6.07
Return on equity%
17.83
19.18
18.91
16.28
14.51
16.10
17.09
16.16
15.24
16.75
23.02
16.16
16.51
56
8.03
Return on assets%
21.56
22.31
23.56
24.22
26.59
28.64
28.23
30.40
30.54
30.42
24.08
30.40
27.41
25
2.95
EPSSR
2.62
2.53
2.39
2.33
2.51
2.82
3.02
3.42
3.80
4.06
3.20
10.07%
5.53%
—
15.11
EPS growth%
25.50
26.88
28.87
31.02
31.73
33.69
32.87
30.76
29.19
28.57
24.02
30.76
29.97
72
4.74
Bookvalue per shSR
4.29
5.01
4.86
4.58
4.65
5.38
5.80
6.39
6.50
7.25
1.91
9.28%
5.84%
—
3.14
TBV/shSR
1.82
1.84
1.60
1.63
1.71
1.65
1.82
1.86
1.68
1.60
1.74
(1.31%)
(1.29%)
—
1.60
Dividend per shSR
4.89
5.19
5.61
5.97
6.87
7.10
7.42
7.75
7.67
8.91
1.85
5.33%
7.96%
—
27.94
Div yield (avg)%
2.56
4.12
6.13
8.02
10.19
8.29
10.86
10.40
8.41
9.67
12.60
9.67
8.35
18
20.57
Payout ratio%
7.49
4.94
3.91
6.79
7.38
5.59
3.49
0.63
0.40
2.67
27.28
2.67
4.42
26
195.9
Shares (diluted)M
199.2
195.4
192.3
220.3
235.7
269.7
262.3
271.5
260.0
245.7
197.1
0.84%
2.29%
43
21.24
Buyback yield%
15.63
15.60
15.76
17.37
15.18
14.38
16.45
14.85
16.52
17.98
21.71
16.45
15.70
88
1.679
D/E ratiox
0.114
0.098
0.098
0.100
0.106
0.098
0.091
0.081
0.072
0.075
1.354
0.081
0.098
27
1.066
AssetsSR B
0.806
0.864
0.929
0.998
1.093
1.151
1.250
1.387
1.517
1.673
1.930
8.90%
8.19%
80
1.397
LT debtSR B
0.827
0.939
0.876
0.921
0.974
1.081
1.199
1.342
1.268
1.368
0.992
7.04%
4.31%
9
Claims and benefits
7.23%
1.02×