7.646
Revenue$B
11.66
11.67
11.69
11.77
12.23
12.67
13.09
13.25
13.24
13.24
7.882
1.61%
1.62%
29
15.59
Revenue growth%
7.73
8.81
7.21
6.67
7.29
6.24
9.22
8.91
6.24
5.87
22.58
6.24
7.25
43
28.54
Combined R.%
96.56
96.94
95.13
96.81
95.56
96.25
95.58
95.79
94.89
95.22
8.70
95.58
95.68
82
24.83
Operating margin%
4.56
5.57
7.21
7.30
5.13
7.75
9.19
11.64
14.54
15.74
23.20
11.64
7.53
60
9.18
Net margin%
26.87
24.38
25.78
27.97
28.32
26.81
28.30
30.35
28.90
30.78
23.31
28.90
28.14
12
18.12
P/E ratio (avg)x
31.77
36.53
35.73
35.44
42.30
49.99
59.87
65.07
74.41
77.41
23.08
65.07
46.15
75
11.37
P/TBVx
18.48
16.70
15.44
16.42
16.79
15.54
14.18
12.89
11.53
10.73
6.498
12.89
15.49
33
37.83
P/Bx
41.86
43.75
45.91
45.69
48.19
50.38
53.09
57.34
67.77
72.78
6.152
57.34
49.29
15
15.45
Prem. grth%
15.31
16.17
17.86
20.54
21.86
20.82
22.31
25.02
24.49
24.18
21.06
24.18
21.34
52
23.30
Invest. yld%
21.00
20.03
19.94
20.44
19.39
16.80
18.43
19.74
16.85
17.81
20.65
17.81
19.56
69
3.69
BVPS grth%
10.97
12.84
15.19
13.47
13.67
14.94
12.95
15.02
17.15
19.24
26.41
15.02
14.30
61
22.94
Return on equity%
3.88
6.49
4.39
7.15
7.62
8.87
7.38
9.44
10.12
9.93
19.97
9.44
7.50
47
8.22
Return on assets%
1.28
1.69
2.01
0.77
3.58
0.63
0.40
0.40
0.40
0.40
16.23
0.40
0.70
91
1.77
EPS$
1.53
1.39
1.30
1.34
1.24
1.05
1.09
1.14
1.11
1.08
1.91
(2.74%)
(3.89%)
—
2.06
EPS growth%
8.41
6.74
7.77
10.59
12.70
14.71
14.29
11.91
9.61
11.28
20.46
11.91
10.94
77
1.77
Bookvalue per sh$
1.09
1.15
1.18
1.37
1.54
1.60
1.57
1.54
1.70
1.94
1.63
4.66%
7.10%
—
2.12
TBV/sh$
1.36
1.42
1.26
1.18
1.12
0.98
1.00
0.94
0.94
1.01
0.96
(2.07%)
(3.62%)
—
0.87
Dividend per sh$
4.54
4.62
4.90
5.43
5.62
6.69
7.10
8.52
8.48
9.56
1.61
11.19%
8.96%
—
27.87
Div yield (avg)%
6.14
4.48
6.19
6.20
4.97
6.52
5.19
7.40
8.89
8.26
10.03
7.40
6.20
73
22.14
Payout ratio%
32.25
32.22
32.96
35.93
34.64
36.54
35.46
34.27
36.92
37.08
5.14
36.54
35.05
79
1.652
Shares (diluted)B
2.162
2.286
2.399
2.639
3.137
3.674
3.884
4.402
5.176
6.201
1.749
14.60%
11.14%
86
11.41
Buyback yield%
10.51
7.70
7.03
4.54
3.28
0.48
3.27
0.40
3.25
1.00
23.86
1.00
3.28
92
0.420
D/E ratiox
0.947
0.966
0.975
0.896
1.008
0.932
1.014
1.108
1.254
1.149
1.266
1.108
0.991
34
3.937
Assets$B
14.70
15.47
17.65
19.50
21.30
22.43
24.09
27.00
29.62
32.72
7.348
8.97%
9.12%
74
5.130
LT debt$B
0.453
0.395
0.426
0.442
0.409
0.380
0.403
0.371
0.315
0.324
1.268
(4.56%)
(3.01%)
63
Revenue
$13.24B
1.62%
1.00×
Claims and benefits
$7.995B
1.56%
0.99×
Total costs
$11.50B
1.76%
1.01×