1.002
Revenue$B
3.938
4.200
4.502
4.896
5.152
5.392
5.833
6.087
6.582
7.101
1.107
6.63%
6.64%
34
28.60
Revenue growth%
26.09
28.87
27.51
29.64
28.03
30.25
30.80
29.22
29.74
30.93
28.59
30.25
29.43
10
27.89
Combined R.%
84.71
83.78
84.07
83.60
83.68
83.67
84.42
83.83
83.07
82.30
12.01
83.67
83.73
6
18.79
Operating margin%
19.57
21.13
23.00
20.23
20.10
20.17
21.34
19.29
16.72
15.97
21.86
19.29
20.14
10
14.22
Net margin%
20.40
22.37
20.45
22.97
20.21
21.42
20.40
20.03
17.36
16.29
6.83
20.03
20.40
72
31.60
P/E ratio (avg)x
38.72
40.55
46.21
44.26
41.27
46.86
47.92
44.14
45.27
52.22
34.16
46.86
44.76
82
6.643
P/TBVx
13.82
15.51
16.85
16.46
17.20
17.16
18.29
19.95
21.47
23.77
10.14
19.95
17.18
24
12.91
P/Bx
18.20
18.82
17.72
19.07
18.81
16.87
17.70
16.34
15.57
14.50
20.52
16.34
17.71
17
20.53
Prem. grth%
28.55
29.46
29.31
31.78
29.28
27.08
26.47
24.99
23.77
23.52
2.69
24.99
27.82
50
9.90
Invest. yld%
12.36
14.23
16.70
15.15
15.05
17.15
16.23
17.44
14.86
14.65
15.49
16.23
15.10
72
14.40
BVPS grth%
19.67
21.98
21.64
20.36
19.62
16.73
16.16
15.40
15.94
13.81
22.31
15.94
18.18
16
24.30
Return on equity%
23.18
22.26
19.30
19.26
17.23
15.00
16.15
14.07
14.91
16.51
7.27
15.00
16.87
23
10.86
Return on assets%
17.17
19.34
17.54
14.84
16.19
13.67
11.90
13.56
15.92
17.58
18.98
13.67
16.06
40
2.48
EPS$
2.75
2.52
2.76
2.87
3.01
3.11
2.91
2.73
2.68
2.54
2.61
(3.33%)
(1.10%)
—
29.61
EPS growth%
16.86
19.72
19.38
22.15
23.26
20.79
18.24
17.44
17.26
20.18
24.17
18.24
19.55
38
1.29
Bookvalue per sh$
1.57
1.73
1.68
1.67
1.80
1.94
2.21
2.19
2.10
2.03
0.64
2.40%
2.85%
—
1.68
TBV/sh$
2.46
2.39
2.27
2.52
2.60
3.05
3.12
3.53
4.15
4.45
0.95
11.33%
6.38%
—
1.09
Dividend per sh$
2.56
2.55
2.67
2.63
2.51
2.49
2.36
2.28
2.22
2.17
2.32
(2.90%)
(1.96%)
—
3.14
Div yield (avg)%
21.85
19.85
22.67
23.05
20.39
22.39
23.02
24.35
24.22
25.11
9.22
24.22
22.84
57
26.53
Payout ratio%
6.88
8.34
5.52
3.29
2.84
3.30
1.05
3.28
1.05
0.40
11.01
1.05
3.29
65
1.029
Shares (diluted)B
1.945
2.013
2.222
2.456
2.659
3.063
3.244
3.754
4.434
4.626
1.028
11.72%
10.70%
49
12.22
Buyback yield%
14.23
16.89
16.86
18.37
16.56
15.15
16.07
18.52
16.67
15.62
11.62
16.07
16.62
89
0.355
D/E ratiox
1.115
1.327
1.368
1.582
1.652
1.603
1.548
1.513
1.505
1.750
1.544
1.548
1.530
68
2.277
Assets$B
29.03
31.02
33.76
34.55
37.93
43.58
46.88
50.87
56.66
59.79
1.384
9.53%
8.77%
17
3.688
LT debt$B
1.529
1.469
1.523
1.437
1.563
1.766
1.700
1.580
1.623
1.547
0.896
(0.20%)
1.01%
82
Revenue
$7.101B
6.64%
1.00×
Claims and benefits
$3.852B
6.33%
0.97×
Total costs
$5.415B
6.34%
0.97×