12.63
Revenue$B
6.074
6.399
6.776
7.109
7.354
7.603
8.080
8.429
9.002
9.463
12.92
5.17%
4.94%
83
22.36
Revenue growth%
16.75
18.56
18.11
20.72
20.49
21.21
22.89
24.52
24.78
21.90
8.57
22.89
20.96
69
17.00
Combined R.%
77.72
77.86
79.33
77.20
77.83
79.26
76.83
79.75
78.10
79.28
7.56
79.26
77.98
81
13.55
Operating margin%
20.52
22.94
22.99
23.12
23.48
23.21
24.63
27.39
27.30
29.50
7.94
27.30
23.35
17
5.58
Net margin%
2.69
4.30
5.30
6.34
7.73
10.57
12.08
12.17
10.75
7.93
21.22
10.75
7.83
15
37.74
P/E ratio (avg)x
43.79
40.10
43.36
40.25
44.94
43.39
43.26
47.04
43.36
47.64
6.168
43.39
43.38
80
8.774
P/TBVx
36.86
37.12
42.27
44.16
50.96
61.53
64.86
66.14
68.00
77.05
23.77
66.14
56.25
64
24.41
P/Bx
15.81
16.71
17.24
17.96
19.39
20.53
22.04
25.00
26.54
30.11
25.72
25.00
19.96
42
6.33
Prem. grth%
28.47
27.80
24.98
22.31
23.38
21.14
23.19
23.24
20.56
21.27
6.67
21.27
23.22
36
9.93
Invest. yld%
19.62
20.26
20.12
19.44
19.81
22.66
20.14
20.76
17.90
20.70
19.40
20.70
20.13
32
12.99
BVPS grth%
12.66
10.09
12.37
9.75
7.60
6.67
7.55
10.00
10.22
12.29
10.15
10.00
10.04
84
6.59
Return on equity%
17.43
18.48
16.86
18.50
19.86
19.82
21.10
23.91
24.67
26.63
22.44
23.91
19.84
54
17.17
Return on assets%
29.39
32.28
31.05
32.87
30.83
28.29
27.91
29.31
28.86
28.83
13.72
28.83
29.35
57
2.21
EPS$
1.87
1.97
1.79
1.61
1.62
1.65
1.47
1.64
1.62
1.63
2.28
0.11%
(2.44%)
—
6.84
EPS growth%
21.99
23.06
24.50
25.17
22.93
23.61
23.47
24.34
21.36
21.34
10.15
23.47
23.26
84
2.77
Bookvalue per sh$
0.70
0.69
0.66
0.67
0.73
0.66
0.68
0.73
0.75
0.79
0.90
1.81%
0.61%
—
0.90
TBV/sh$
1.79
1.67
1.73
1.65
1.58
1.71
1.51
1.41
1.41
1.39
1.78
(2.50%)
(1.76%)
—
2.85
Dividend per sh$
3.38
3.45
3.51
3.33
3.11
2.95
3.40
3.84
4.01
4.14
0.50
5.93%
3.22%
—
4.00
Div yield (avg)%
19.86
21.42
20.94
23.15
20.91
20.49
20.97
19.95
16.95
15.99
29.36
19.95
20.70
43
4.53
Payout ratio%
16.04
13.59
12.75
13.83
10.96
13.56
13.48
13.35
11.04
13.21
17.28
13.35
13.41
37
1.537
Shares (diluted)B
2.333
2.284
2.645
3.184
3.401
3.845
4.553
5.232
6.188
6.953
1.511
15.38%
12.68%
87
16.72
Buyback yield%
22.99
22.46
22.48
23.25
23.46
23.15
23.54
23.39
23.28
20.90
2.89
23.28
23.20
35
1.009
D/E ratiox
0.674
0.728
0.699
0.754
0.783
0.780
0.929
1.073
1.177
1.275
0.911
1.073
0.782
57
0.780
Assets$B
32.85
35.56
37.03
39.92
43.98
49.03
51.64
58.24
64.54
69.14
6.425
9.47%
8.40%
75
12.72
LT debt$B
4.450
3.938
3.565
3.672
3.794
4.003
4.152
4.057
3.589
3.141
7.819
(3.70%)
(4.78%)
26
Revenue
$9.463B
4.94%
1.00×
Claims and benefits
$5.050B
4.95%
1.00×
Total costs
$6.824B
5.00%
1.01×