0.185
Revenue$B
0.560
0.604
0.639
0.690
0.746
0.818
0.883
0.958
1.018
1.091
0.204
7.89%
7.45%
24
11.27
Revenue growth%
28.13
29.58
27.32
25.30
27.51
24.98
26.20
23.69
22.39
25.25
21.98
24.98
25.75
70
3.37
Combined R.%
87.93
87.32
87.65
88.34
88.90
87.35
88.13
87.76
87.21
87.21
10.13
87.35
87.71
27
23.21
Operating margin%
3.60
5.92
7.75
10.22
12.64
13.56
15.02
12.79
11.87
8.91
8.62
12.79
11.04
90
25.45
Net margin%
13.90
13.21
14.21
12.93
12.63
12.46
11.15
10.77
10.06
11.90
10.44
11.15
12.55
61
15.61
P/E ratio (avg)x
21.41
22.81
20.57
20.78
18.98
16.94
16.95
17.76
15.38
16.49
13.35
16.94
18.37
75
29.92
P/TBVx
40.76
41.84
46.70
49.76
46.46
48.07
49.68
54.47
55.64
61.41
25.16
54.47
48.87
67
10.23
P/Bx
39.55
40.86
48.63
55.03
57.87
58.97
65.27
65.23
69.51
74.52
35.06
65.27
58.42
23
21.68
Prem. grth%
14.72
14.27
15.81
18.30
18.32
15.75
16.72
17.86
20.28
21.24
29.81
17.86
17.29
65
14.29
Invest. yld%
19.52
18.45
15.90
16.06
14.75
14.10
14.02
13.96
15.31
15.38
17.83
14.10
15.34
16
2.62
BVPS grth%
30.14
29.84
32.05
29.37
31.91
30.16
28.77
25.84
25.77
25.86
8.83
25.86
29.60
80
10.92
Return on equity%
11.73
11.45
11.85
10.93
11.03
12.66
14.36
16.06
14.70
14.79
28.44
14.70
12.26
87
16.82
Return on assets%
6.62
5.18
3.82
4.06
3.40
1.19
0.40
0.40
1.07
0.40
4.83
0.40
2.30
89
0.79
EPS$
1.37
1.26
1.14
1.10
0.99
0.96
1.02
1.02
1.13
1.15
0.81
2.91%
(1.28%)
—
4.33
EPS growth%
30.86
31.12
29.12
27.03
26.97
29.38
27.64
25.95
23.61
23.77
23.19
25.95
27.34
83
1.80
Bookvalue per sh$
1.34
1.49
1.68
1.64
1.78
1.88
2.03
2.40
2.87
2.77
1.92
9.23%
7.31%
—
1.55
TBV/sh$
1.27
1.41
1.29
1.13
0.99
0.91
0.86
0.75
0.73
0.79
1.65
(4.41%)
(4.97%)
—
1.34
Dividend per sh$
1.22
1.13
1.14
1.10
1.03
0.98
0.86
0.94
0.90
0.86
1.62
(3.67%)
(3.94%)
—
10.27
Div yield (avg)%
15.81
15.11
14.34
15.80
17.06
18.29
20.31
22.89
20.99
21.39
4.97
20.99
17.67
9
6.52
Payout ratio%
17.69
14.85
14.53
11.62
11.04
10.75
8.81
7.41
10.04
11.56
27.74
10.04
11.30
12
490.6
Shares (diluted)M
464.2
473.8
468.6
443.6
469.2
491.8
446.2
463.6
477.1
491.7
489.5
0.94%
0.39%
45
14.92
Buyback yield%
7.30
8.21
9.30
7.29
9.21
7.62
4.88
2.44
2.59
0.81
16.05
2.59
7.30
26
1.107
D/E ratiox
1.138
1.267
1.218
1.226
1.215
1.319
1.470
1.587
1.706
1.801
1.762
1.587
1.293
86
0.117
Assets$B
0.911
0.963
1.054
1.122
1.234
1.332
1.428
1.547
1.672
1.729
0.722
6.97%
7.97%
18
384.6
LT debt$M
120.0
115.7
115.8
111.3
105.5
101.7
93.44
100.9
104.6
97.49
605.0
(1.57%)
(2.10%)
13
Revenue
$1.091B
7.45%
1.00×
Claims and benefits
$603.8M
7.38%
0.99×
Total costs
$869.6M
7.47%
1.00×
Spread over hurdle
10.46%