Rormon, by 75 cents, do you mean $1.25 EPS for the year (since estimate is $1.03-$1.05)?
They confirm 5% premium increase with 11% insurance margin;
so 18.3 billion x 1.05 x 11% = 2.11 billions insurance profit.
With 1,280 million shares; that's $1.64 EPS. No idea how the interest paid and interest income will work out; from past year:
Interest income: $421m
Interest expense: $330m (ish)
Restructure expense: $55m
Amortization: $400m (again)
That's $1.35 EPS.
Tax at 17%?
1.35 x 0.83 = $1.12
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