The company's strong performance, above-industry growth, appears linked to its ROE and profit retention strategy. A projected rise in payout ratio will not notably affect its ROE, signaling encouraging future results.

The market has become relatively pessimistic about the company, despite its EPS growth outperforming its share price gain. The recent downturn in share price might represent an opportunity given the continued annual EPS growth and positive five-year total shareholder return.