Archive for December, 2013

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COF: Capital Generation and Digital Opportunity in Payments Can Drive 25% Upside

We expect COF to generate 2015 EPS of $7.70 (20 cents above consensus) as the payout ratio rises to ~80% corresponding to a 2015 buyback amount of $2.5 billion and reducing the average share count by 3-4%; even with this

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Higher Premiums – and Higher Deductibles: An Analysis of Health Plans on Offer in 2014

In the market for individually purchased coverage, the same amount of insurance (defined as a constant deductible and/or out-of-pocket maximum) costs substantially more in 2014 than in 2013. At average 2013 deductibles, the cost increase is 81 pct for a

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