4.493
RevenueSR M
15.86
15.81
16.31
16.78
16.62
16.62
16.62
17.24
17.42
17.77
4.854
1.35%
1.38%
29
2.01
Revenue growth%
5.58
4.82
7.46
6.86
5.13
4.87
4.39
4.33
5.67
4.90
25.24
4.87
5.02
50
19.72
Combined R.%
88.85
89.06
89.07
88.76
90.46
88.03
88.11
90.04
88.36
87.32
19.85
88.11
88.81
32
3.38
Operating margin%
15.85
15.06
18.02
19.07
21.55
22.46
22.98
23.86
25.43
23.00
23.45
23.00
22.00
7
17.49
Net margin%
21.32
24.18
21.43
22.97
21.03
19.07
18.66
16.61
14.08
15.58
18.43
16.61
20.05
38
20.77
P/E ratio (avg)x
31.65
29.01
30.41
26.45
23.54
20.58
17.65
16.97
16.22
16.58
19.78
16.97
22.06
11
34.36
P/TBVx
31.79
33.76
37.49
37.80
42.58
45.04
48.70
53.29
53.39
61.67
18.67
53.29
43.81
55
14.63
P/Bx
32.95
39.22
39.05
40.79
42.92
46.62
50.37
58.23
61.56
65.85
36.95
58.23
44.77
78
7.33
Prem. grth%
30.38
28.54
30.41
29.56
29.45
30.30
28.76
30.76
31.58
30.59
18.53
30.59
30.34
83
6.19
Invest. yld%
7.41
6.77
5.70
8.33
10.22
8.68
8.82
8.09
11.07
9.52
6.73
8.82
8.50
20
5.37
BVPS grth%
29.04
28.83
28.52
28.93
31.81
32.50
32.72
30.13
30.20
30.70
11.89
30.70
30.16
73
4.40
Return on equity%
4.02
6.95
9.93
11.26
12.67
9.98
10.36
11.51
10.17
9.80
2.89
10.17
10.08
95
25.55
Return on assets%
11.45
10.64
12.50
14.63
14.28
16.73
16.28
14.44
13.04
13.49
7.43
14.44
13.89
37
0.41
EPSSR
0.37
0.44
0.44
0.46
0.54
0.61
0.67
0.75
0.87
1.04
0.44
14.23%
12.88%
—
25.25
EPS growth%
25.44
23.48
22.51
20.77
20.31
18.41
16.77
18.79
18.84
21.29
16.54
18.79
20.54
89
0.21
Bookvalue per shSR
0.35
0.32
0.32
0.33
0.32
0.36
0.33
0.31
0.34
0.37
0.39
3.39%
0.53%
—
0.28
TBV/shSR
0.53
0.59
0.64
0.69
0.71
0.82
0.78
0.91
0.96
1.06
0.16
8.21%
8.03%
—
0.19
Dividend per shSR
0.22
0.21
0.24
0.23
0.23
0.24
0.26
0.26
0.31
0.36
0.17
9.53%
4.98%
—
19.79
Div yield (avg)%
18.82
17.30
18.21
21.20
23.44
26.06
25.09
24.78
25.54
25.19
15.15
25.19
24.11
75
12.54
Payout ratio%
8.42
11.26
9.31
6.33
8.89
6.59
6.18
3.60
1.60
2.31
12.59
3.60
6.46
11
29.29
Shares (diluted)M
51.08
60.00
65.63
69.46
69.21
69.26
74.57
80.38
91.97
95.42
30.59
6.63%
6.80%
19
13.46
Buyback yield%
11.69
13.96
15.82
15.58
14.20
12.25
15.10
12.15
13.99
15.59
2.73
13.99
14.10
6
1.476
D/E ratiox
0.410
0.446
0.458
0.518
0.534
0.568
0.633
0.650
0.678
0.717
0.907
0.650
0.551
49
6.911
AssetsSR M
28.36
30.25
31.36
34.70
38.47
39.49
43.55
49.13
51.71
55.33
6.521
7.54%
7.93%
11
4.473
LT debtSR M
14.55
15.33
16.67
19.45
18.67
18.71
19.86
20.14
22.71
23.79
11.91
4.97%
6.63%
24
Claims and benefits
1.25%
0.99×