3.033
Revenue$B
6.796
6.878
6.926
7.015
7.133
7.168
7.426
7.647
7.652
7.895
3.198
2.05%
1.85%
38
14.44
Revenue growth%
0.72
0.40
0.40
1.25
1.60
0.40
0.40
0.40
0.40
3.39
4.74
0.40
0.40
64
29.10
Combined R.%
86.31
85.51
87.17
86.83
88.37
86.86
86.88
87.85
87.31
86.75
15.00
86.88
86.87
28
26.79
Operating margin%
20.22
17.59
17.42
19.00
18.06
18.55
21.26
18.39
20.63
18.96
26.19
18.96
18.76
44
3.56
Net margin%
34.12
32.05
32.39
32.06
32.15
34.81
37.62
34.92
36.31
39.19
23.93
36.31
34.46
88
6.096
P/E ratio (avg)x
8.492
8.107
8.563
9.004
9.320
10.42
10.98
11.26
10.03
10.76
35.05
10.76
9.677
42
14.18
P/TBVx
21.47
25.36
28.37
29.99
35.33
39.36
44.82
52.78
57.43
61.69
35.20
52.78
37.35
56
8.535
P/Bx
5.704
5.952
6.139
6.130
5.707
4.916
4.240
4.593
3.977
3.953
33.50
4.240
5.310
6
10.58
Prem. grth%
22.03
19.79
22.55
22.06
20.56
21.93
21.84
22.02
19.24
16.60
3.21
21.84
21.88
46
15.30
Invest. yld%
4.60
3.88
5.90
8.00
8.03
10.20
11.70
9.38
7.09
6.00
3.45
9.38
7.55
21
4.77
BVPS grth%
2.18
0.78
0.40
0.40
0.40
0.40
2.17
3.48
3.56
3.68
21.45
3.48
1.47
17
11.09
Return on equity%
15.54
18.17
20.31
21.14
23.88
23.30
25.80
23.33
22.75
20.68
4.89
23.30
21.95
62
22.53
Return on assets%
30.48
28.67
27.49
27.71
27.06
24.23
24.06
24.49
26.16
26.93
27.58
24.49
26.99
46
0.85
EPS$
1.74
1.93
1.79
1.81
1.83
1.62
1.58
1.58
1.56
1.73
0.87
(1.14%)
0.12%
—
10.11
EPS growth%
26.58
28.09
28.59
28.02
25.39
27.98
26.67
28.36
27.18
24.43
15.54
27.18
27.58
79
0.27
Bookvalue per sh$
0.73
0.70
0.74
0.87
0.94
1.07
1.18
1.27
1.36
1.32
0.39
7.00%
6.92%
—
0.47
TBV/sh$
2.02
2.32
2.40
2.49
2.47
2.61
2.84
2.73
2.61
2.66
1.11
1.47%
3.69%
—
1.58
Dividend per sh$
2.60
2.65
3.16
3.14
3.60
4.13
4.17
5.00
5.94
6.47
1.69
12.41%
10.48%
—
21.44
Div yield (avg)%
13.55
14.72
15.07
13.82
14.14
12.29
13.84
11.42
13.59
15.60
3.59
13.59
13.83
65
29.88
Payout ratio%
8.17
6.29
7.90
7.98
7.68
6.40
8.08
6.97
7.17
4.73
7.84
6.97
7.43
54
2.367
Shares (diluted)B
2.606
2.870
3.122
3.579
3.883
4.244
4.750
4.409
4.610
4.948
2.271
4.97%
6.42%
16
2.02
Buyback yield%
23.87
22.86
24.25
25.67
27.59
28.91
30.29
28.85
27.87
28.54
24.29
28.85
27.73
45
0.110
D/E ratiox
1.948
2.079
2.425
2.793
2.703
2.708
2.744
3.114
3.517
3.652
0.826
3.114
2.726
91
5.230
Assets$B
9.798
10.86
11.83
13.43
14.14
16.03
17.12
18.39
19.67
21.93
3.093
9.17%
8.92%
85
2.085
LT debt$B
8.392
9.392
10.39
9.925
10.15
11.65
12.01
11.58
12.42
14.16
2.655
6.89%
6.69%
26
Revenue
$7.895B
1.85%
1.00×
Claims and benefits
$4.289B
1.88%
1.00×
Total costs
$6.214B
1.61%
0.98×