2.798
Revenue$B
2.579
2.606
2.677
2.667
2.760
2.864
2.915
2.906
3.040
3.038
3.067
1.94%
1.63%
78
25.99
Revenue growth%
14.53
14.71
15.64
15.69
16.83
19.83
20.07
18.85
19.02
21.54
15.70
19.83
17.84
34
26.66
Combined R.%
77.27
75.57
76.30
75.31
76.28
73.86
74.64
75.56
76.43
74.57
24.48
74.64
75.57
81
25.29
Operating margin%
9.51
10.16
9.68
12.29
11.67
12.50
11.29
10.13
11.98
9.18
26.69
11.29
10.73
22
24.30
Net margin%
10.55
9.15
7.30
9.81
10.19
10.10
11.83
10.54
9.18
12.16
16.53
10.54
10.15
71
10.97
P/E ratio (avg)x
23.93
26.16
28.32
26.73
29.34
30.76
30.85
28.70
31.19
31.88
35.46
30.85
29.02
26
20.02
P/TBVx
21.90
22.00
24.40
24.20
24.55
24.97
24.20
24.56
26.84
27.39
37.59
24.97
24.48
61
14.08
P/Bx
26.68
25.78
29.61
32.38
30.77
33.62
36.28
33.48
38.50
35.35
6.123
35.35
32.93
57
2.11
Prem. grth%
3.93
6.05
5.44
6.54
3.61
1.43
0.40
1.93
1.72
3.47
16.12
1.72
3.54
46
29.51
Invest. yld%
1.61
0.40
2.74
3.44
3.45
1.36
0.40
1.05
1.45
0.40
3.54
1.05
1.40
76
14.66
BVPS grth%
24.68
23.34
25.14
26.95
25.01
23.84
25.77
23.63
21.25
21.56
25.61
23.63
24.26
65
8.24
Return on equity%
10.71
10.05
9.95
9.73
11.16
13.13
13.03
15.41
18.34
20.31
3.49
15.41
12.10
22
9.33
Return on assets%
24.91
24.39
27.00
25.62
24.51
22.98
23.86
24.16
24.75
25.49
14.91
24.16
24.63
54
0.22
EPS$
0.20
0.21
0.23
0.21
0.22
0.21
0.20
0.21
0.21
0.19
0.24
(2.91%)
(0.89%)
—
7.72
EPS growth%
30.67
29.35
27.58
29.48
27.92
25.11
26.79
28.60
27.07
27.26
10.81
27.07
27.75
10
0.22
Bookvalue per sh$
0.13
0.12
0.12
0.12
0.12
0.12
0.13
0.13
0.13
0.12
0.28
(0.45%)
0.03%
—
0.11
TBV/sh$
0.32
0.36
0.37
0.35
0.35
0.41
0.48
0.50
0.50
0.52
0.05
8.02%
4.65%
—
0.11
Dividend per sh$
0.04
0.04
0.04
0.05
0.04
0.04
0.04
0.04
0.04
0.04
0.05
(1.28%)
(2.44%)
—
20.18
Div yield (avg)%
22.46
23.88
21.48
19.24
17.36
15.22
12.80
15.20
18.12
21.03
17.33
15.22
18.68
68
5.31
Payout ratio%
24.94
24.12
21.46
23.83
22.91
25.29
24.12
24.57
24.95
23.07
6.92
24.57
24.12
15
4.125
Shares (diluted)B
5.638
6.483
6.577
7.455
7.187
8.057
8.700
8.521
9.226
10.06
3.942
6.95%
6.45%
76
15.53
Buyback yield%
19.99
20.11
18.70
20.25
23.07
22.81
22.83
21.80
20.54
22.90
10.69
22.81
21.17
75
0.313
D/E ratiox
1.988
1.923
2.063
2.196
2.472
2.313
2.106
2.165
2.177
1.990
0.278
2.165
2.136
42
1.852
Assets$B
6.186
6.978
7.476
8.467
9.371
10.45
11.35
12.46
13.32
14.40
3.250
8.97%
9.26%
76
0.832
LT debt$B
4.327
4.686
5.402
6.006
5.995
6.482
7.716
9.220
10.83
12.70
0.459
16.20%
11.43%
91
Revenue
$3.038B
1.63%
1.00×
Claims and benefits
$1.525B
1.90%
1.03×
Total costs
$2.087B
1.54%
0.99×