2.687
Revenue$B
2.027
2.196
2.354
2.494
2.640
2.780
2.937
3.096
3.267
3.497
2.808
5.79%
6.16%
91
6.84
Revenue growth%
10.30
12.87
14.13
14.58
12.05
13.91
13.95
14.55
13.33
12.31
22.10
13.91
13.62
62
24.89
Combined R.%
85.35
86.57
86.42
87.15
85.89
87.42
84.53
85.76
85.46
84.80
3.75
85.46
85.83
46
10.62
Operating margin%
14.13
15.48
17.43
19.31
19.08
18.90
16.57
17.45
15.98
14.76
17.71
16.57
17.00
47
24.58
Net margin%
15.63
14.83
12.81
12.34
10.08
9.03
8.33
10.28
12.11
11.72
12.54
10.28
11.92
24
15.37
P/E ratio (avg)x
7.029
7.401
6.338
6.652
7.182
7.294
6.931
6.985
6.090
5.653
33.79
6.931
6.958
55
37.23
P/TBVx
13.28
13.18
14.45
13.84
13.56
12.46
12.34
12.67
13.52
12.62
37.24
12.62
13.23
41
16.84
P/Bx
15.21
18.04
17.94
18.51
20.63
21.63
24.74
27.63
30.02
29.99
8.900
27.63
21.13
62
18.99
Prem. grth%
18.48
19.88
17.80
17.04
15.45
13.90
11.94
10.08
11.87
14.67
26.42
11.94
15.06
51
3.90
Invest. yld%
13.80
16.22
13.88
14.80
17.21
14.51
12.96
14.24
14.53
12.08
2.01
14.24
14.38
63
3.10
BVPS grth%
12.11
11.88
10.61
13.38
13.19
14.30
14.68
12.77
13.08
14.65
2.45
14.30
13.14
25
5.88
Return on equity%
12.39
11.12
9.16
7.89
10.47
10.76
10.86
12.13
9.31
9.63
4.69
10.76
10.62
64
2.29
Return on assets%
0.40
0.40
0.40
1.90
1.54
2.45
3.50
5.33
6.19
7.19
21.94
5.33
2.18
5
0.38
EPS$
0.45
0.40
0.44
0.44
0.45
0.44
0.47
0.44
0.49
0.46
0.39
0.65%
0.91%
—
6.45
EPS growth%
32.46
32.56
35.22
36.06
33.61
35.00
36.38
35.40
34.42
32.39
28.87
35.00
34.71
30
0.53
Bookvalue per sh$
0.16
0.19
0.20
0.23
0.27
0.30
0.34
0.37
0.40
0.47
0.17
11.59%
12.89%
—
0.39
TBV/sh$
0.56
0.50
0.50
0.48
0.47
0.50
0.52
0.50
0.53
0.56
0.41
3.83%
(1.14%)
—
0.47
Dividend per sh$
0.31
0.29
0.34
0.32
0.33
0.33
0.34
0.32
0.32
0.32
0.57
(0.79%)
0.38%
—
5.79
Div yield (avg)%
26.03
23.32
21.79
18.88
16.45
13.57
13.10
10.29
9.82
9.14
7.92
10.29
15.01
88
20.30
Payout ratio%
17.09
15.06
16.07
17.75
18.04
15.33
17.58
15.68
13.18
11.99
24.99
15.33
15.87
27
2.817
Shares (diluted)B
2.561
2.259
2.389
2.247
2.248
2.301
1.987
1.759
1.784
1.555
2.688
(7.10%)
(4.35%)
74
10.09
Buyback yield%
3.36
5.37
5.59
7.54
5.66
6.08
3.41
2.87
0.41
2.05
21.37
2.87
4.39
51
0.168
D/E ratiox
0.385
0.376
0.394
0.403
0.399
0.414
0.442
0.411
0.378
0.387
0.803
0.411
0.396
79
0.955
Assets$B
3.161
3.394
3.742
4.016
4.489
5.032
5.409
5.744
6.090
6.606
1.888
8.03%
8.91%
10
2.190
LT debt$B
0.270
0.291
0.331
0.333
0.303
0.323
0.334
0.346
0.326
0.370
2.158
4.10%
2.46%
84
Revenue
$3.497B
6.16%
1.00×
Claims and benefits
$1.822B
5.86%
0.97×
Total costs
$2.708B
5.89%
0.98×