Sector note: Free-cash-flow and enterprise-value multiples (P/FCF, FCF yield, EV/EBITDA, EV/EBIT) are omitted — they aren't meaningful for banks and insurers, whose deposits and reserves a standard model misreads as debt. Book value (P/B), ROE and net interest margin are the right lenses here.
Dividend status: Current payer. A positive current dividend run rate is available.
