0.505
Revenue$B
1.938
2.016
2.146
2.224
2.344
2.467
2.670
2.884
2.996
3.241
0.516
6.70%
5.88%
84
19.97
Revenue growth%
13.85
14.70
17.62
19.77
17.73
18.45
17.62
17.30
16.04
17.34
26.49
17.34
17.48
43
11.66
Combined R.%
82.67
83.41
83.07
82.05
82.72
81.86
80.94
83.56
82.16
81.25
12.68
81.86
82.41
31
28.01
Operating margin%
10.75
10.12
11.14
9.85
8.66
7.15
7.24
9.34
9.61
9.56
3.38
9.34
9.59
85
9.78
Net margin%
4.79
3.43
6.41
7.14
4.16
5.42
7.20
4.50
1.59
3.78
20.02
4.50
4.65
50
17.95
P/E ratio (avg)x
22.27
23.21
26.12
25.76
28.48
33.09
36.62
37.27
39.71
40.13
15.91
37.27
30.79
45
21.37
P/TBVx
44.34
51.55
57.72
67.20
64.64
61.14
57.52
59.79
61.82
60.16
32.43
60.16
59.97
50
34.10
P/Bx
18.46
20.55
22.65
21.55
21.06
20.09
20.11
19.71
19.99
20.06
30.33
20.06
20.10
6
5.10
Prem. grth%
20.94
23.20
21.61
22.60
21.82
19.42
18.77
21.29
21.48
22.19
3.14
21.29
21.55
79
15.71
Invest. yld%
23.12
20.79
22.67
22.57
20.29
20.40
22.31
20.31
19.37
18.77
19.94
20.31
20.59
49
21.68
BVPS grth%
20.49
19.60
22.48
22.26
24.19
23.36
20.49
22.86
20.68
18.18
5.17
20.68
21.47
78
3.31
Return on equity%
6.67
6.09
7.44
5.08
5.33
7.12
8.85
6.36
6.51
7.33
27.14
7.12
6.59
75
20.21
Return on assets%
8.42
9.48
10.96
12.38
11.61
9.31
8.24
6.85
7.95
10.30
8.00
8.24
9.40
14
0.56
EPS$
0.35
0.37
0.37
0.40
0.44
0.50
0.59
0.65
0.77
0.90
0.61
15.22%
9.62%
—
18.52
EPS growth%
23.54
21.23
23.95
25.32
24.95
25.11
24.17
26.03
28.25
29.34
12.68
26.03
25.03
70
0.57
Bookvalue per sh$
0.82
0.87
0.89
0.99
1.11
1.31
1.37
1.38
1.54
1.76
1.28
9.73%
9.55%
—
0.28
TBV/sh$
0.72
0.82
0.84
0.93
0.88
0.90
0.90
0.96
0.90
0.84
1.00
(0.95%)
0.95%
—
0.81
Dividend per sh$
1.50
1.63
1.68
1.62
1.85
2.20
2.40
2.42
2.36
2.71
0.47
7.94%
6.73%
—
12.87
Div yield (avg)%
1.24
3.01
1.85
3.29
5.35
6.00
6.10
8.27
10.70
8.95
8.54
8.27
5.68
37
17.32
Payout ratio%
15.40
18.00
19.74
22.72
22.79
24.71
24.76
26.94
28.38
27.85
29.35
26.94
23.75
76
660.2
Shares (diluted)M
547.4
564.6
586.5
620.4
588.0
608.9
675.3
602.5
658.3
689.4
669.6
3.23%
2.80%
20
21.40
Buyback yield%
23.83
23.65
24.02
25.60
26.05
27.19
27.44
28.80
28.29
25.91
18.31
27.44
25.98
69
1.627
D/E ratiox
0.643
0.669
0.750
0.746
0.798
0.888
0.851
0.842
0.819
0.801
0.651
0.842
0.800
46
2.013
Assets$B
1.425
1.555
1.719
1.782
1.896
2.117
2.324
2.490
2.726
2.969
2.008
9.39%
8.84%
21
0.694
LT debt$B
1.842
1.998
1.940
2.192
2.236
2.475
2.820
2.632
2.507
2.677
2.198
3.66%
3.05%
24
Revenue
$3.241B
5.88%
1.00×
Claims and benefits
$1.762B
5.55%
0.97×
Total costs
$2.451B
5.71%
0.98×