7.428
Revenue$B
8.257
8.510
8.499
8.622
8.840
8.878
9.050
9.408
9.596
9.537
8.201
1.53%
1.47%
66
22.27
Revenue growth%
28.71
29.54
27.83
24.94
24.67
22.38
21.54
23.83
24.70
24.45
6.10
23.83
24.68
42
4.21
Combined R.%
85.86
86.46
86.85
86.51
86.74
87.02
84.50
87.52
87.48
87.31
5.18
87.31
86.79
67
22.14
Operating margin%
21.19
19.06
16.10
15.64
15.91
14.60
11.88
13.30
14.95
15.98
25.67
14.60
15.77
46
10.18
Net margin%
8.08
7.38
6.75
8.09
9.48
10.45
11.16
11.72
9.46
9.56
21.77
10.45
9.47
89
16.34
P/E ratio (avg)x
32.14
30.74
27.40
23.78
25.33
23.06
24.96
27.47
29.87
32.86
37.42
27.47
27.44
49
26.61
P/TBVx
45.64
47.36
57.08
65.25
75.01
76.55
78.70
85.74
93.64
104.0
13.78
85.74
75.78
9
30.74
P/Bx
19.28
19.24
20.18
19.81
20.98
20.10
21.66
19.37
20.12
21.50
18.71
20.12
20.11
84
17.07
Prem. grth%
24.32
25.76
27.67
26.63
25.37
22.90
22.22
23.81
26.46
29.00
13.66
23.81
25.56
15
23.98
Invest. yld%
4.74
5.51
8.30
10.80
10.29
8.50
7.58
10.09
9.23
11.91
11.64
9.23
8.86
37
20.46
BVPS grth%
11.24
12.61
12.83
12.46
12.72
10.10
8.36
8.32
10.46
12.52
9.04
10.10
11.85
29
17.82
Return on equity%
4.65
5.43
2.94
1.31
3.06
2.93
4.28
5.21
3.75
3.51
20.46
3.75
3.63
29
8.00
Return on assets%
28.40
27.72
30.45
27.72
25.43
25.55
26.53
23.63
25.65
22.96
10.84
25.55
26.09
53
4.18
EPS$
11.46
11.70
12.82
12.62
13.75
15.98
17.65
20.14
21.24
20.44
4.32
8.25%
5.92%
—
3.27
EPS growth%
14.27
16.02
16.19
17.61
17.00
16.02
15.46
15.04
14.43
17.03
26.84
15.46
16.02
58
3.27
Bookvalue per sh$
18.57
19.45
21.00
21.59
23.92
23.12
23.12
21.63
20.40
22.74
14.82
(1.01%)
3.13%
—
7.36
TBV/sh$
18.27
20.34
22.36
23.22
24.95
24.98
24.62
28.03
27.00
27.10
8.30
1.67%
5.34%
—
3.72
Dividend per sh$
4.96
4.74
4.99
4.60
5.06
5.73
6.08
6.15
6.69
6.69
4.74
5.72%
2.37%
—
24.67
Div yield (avg)%
0.40
2.55
0.40
0.40
2.97
0.40
0.40
0.40
0.40
3.08
9.58
0.40
0.40
85
13.12
Payout ratio%
31.30
32.22
32.39
34.42
32.86
33.29
31.60
28.86
27.79
27.68
10.35
28.86
31.91
24
223.8
Shares (diluted)M
209.1
230.9
226.2
216.7
202.2
193.6
200.3
187.4
167.8
152.5
228.7
(5.49%)
(3.85%)
66
6.29
Buyback yield%
27.38
26.54
24.45
24.97
22.34
22.66
20.49
17.87
16.06
17.84
13.85
17.87
22.50
52
0.678
D/E ratiox
1.332
1.387
1.274
1.381
1.364
1.535
1.735
1.695
1.675
1.603
0.265
1.675
1.461
83
8.181
Assets$B
13.57
14.73
16.77
17.76
19.48
21.30
23.95
26.27
28.35
31.69
1.819
10.22%
10.29%
76
1.169
LT debt$B
6.210
6.548
6.500
5.997
5.844
5.514
5.830
5.099
5.451
4.737
5.417
(4.11%)
(3.38%)
14
Revenue
$9.537B
1.47%
1.00×
Claims and benefits
$5.402B
1.38%
0.99×
Total costs
$7.565B
1.72%
1.02×