296.2
Revenue$B
450.7
450.6
461.0
468.2
480.5
495.8
506.3
511.2
524.0
531.6
310.6
2.04%
1.87%
61
3.57
Revenue growth%
3.42
3.55
4.21
6.30
6.58
8.80
10.10
11.61
11.03
12.83
14.04
11.03
7.69
65
27.30
Combined R.%
87.11
88.71
87.86
86.11
86.85
87.60
87.12
87.21
86.49
87.70
29.26
87.21
87.16
19
20.36
Operating margin%
30.22
27.51
29.83
30.15
30.31
30.80
30.08
29.43
29.60
32.38
13.01
30.08
30.11
86
28.35
Net margin%
12.67
13.35
13.69
12.50
13.46
14.81
16.38
17.42
16.45
13.53
12.66
16.38
13.61
23
17.50
P/E ratio (avg)x
12.07
14.06
13.68
15.33
17.35
20.30
22.78
24.11
26.03
29.49
24.85
24.11
18.83
59
14.39
P/TBVx
14.94
13.10
13.16
12.40
11.88
11.67
11.70
10.27
8.969
9.269
28.07
10.27
11.79
93
18.90
P/Bx
14.81
14.42
13.59
12.63
12.50
11.75
11.77
11.17
12.10
11.09
37.91
11.75
12.30
32
24.67
Prem. grth%
26.74
24.81
27.32
24.59
23.73
23.24
25.66
23.42
25.50
26.43
9.80
25.50
25.16
71
28.38
Invest. yld%
14.94
17.46
15.27
17.39
14.91
12.43
11.14
13.60
13.48
14.91
7.66
13.48
14.91
15
28.44
BVPS grth%
23.66
25.50
22.78
22.74
21.20
23.31
23.56
22.48
24.16
26.07
24.29
23.56
23.43
17
11.19
Return on equity%
27.95
29.28
28.90
31.82
31.86
34.21
34.74
33.14
32.21
31.94
3.19
33.14
31.90
13
11.50
Return on assets%
16.27
15.96
13.21
10.93
11.62
12.93
11.15
8.32
8.52
8.80
18.79
8.80
11.38
14
2,930
EPS$
794.75
941.65
978.29
1,021
1,061
1,206
1,393
1,556
1,558
1,569
3,217
8.14%
6.69%
—
12.87
EPS growth%
19.61
18.00
18.61
17.12
19.96
18.84
20.83
20.33
19.31
19.05
13.72
19.31
19.18
5
2,202
Bookvalue per sh$
3,721
4,088
4,160
4,657
4,295
4,250
4,013
4,549
4,797
4,399
1,794
0.48%
2.04%
—
3,297
TBV/sh$
4,187
4,221
4,685
5,392
5,860
6,741
8,053
8,462
9,994
11,270
3,763
13.97%
11.05%
—
3,658
Dividend per sh$
2,848
2,539
2,194
2,310
2,164
2,012
1,975
2,114
2,225
2,236
1,820
0.66%
(3.75%)
—
17.40
Div yield (avg)%
17.04
19.24
20.35
19.92
19.65
19.04
19.39
19.94
19.20
17.34
26.32
19.20
19.31
19
12.71
Payout ratio%
26.92
26.98
28.92
29.32
29.68
31.11
33.95
33.84
36.01
38.01
11.91
33.95
30.39
26
100.5
Shares (diluted)M
121.4
111.6
127.6
138.6
136.3
155.9
156.0
162.1
172.6
192.1
99.31
7.10%
4.36%
5
19.90
Buyback yield%
24.32
23.87
26.04
26.63
23.83
24.22
22.47
21.94
19.50
17.99
28.36
21.94
23.85
27
1.248
D/E ratiox
0.797
0.853
0.802
0.768
0.699
0.707
0.718
0.759
0.729
0.791
1.021
0.729
0.764
56
356.1
Assets$B
1,745
1,897
1,980
2,125
2,307
2,397
2,724
2,986
3,204
3,451
280.6
8.38%
8.25%
91
28.35
LT debt$B
413.6
395.2
413.6
420.0
448.9
469.3
554.5
644.7
634.3
745.4
197.3
10.67%
7.49%
43
Revenue
$531.6B
1.87%
1.00×
Claims and benefits
$298.2B
1.72%
0.98×
Total costs
$427.2B
1.92%
1.00×