0.623
Revenue$B
0.981
1.007
1.037
1.059
1.062
1.057
1.095
1.111
1.115
1.145
0.652
1.51%
1.49%
64
12.36
Revenue growth%
21.01
19.27
16.36
16.55
14.72
12.92
15.11
15.85
14.99
13.75
20.62
14.99
15.48
95
15.89
Combined R.%
74.94
76.05
74.39
74.82
73.03
74.27
74.33
73.86
73.98
74.40
2.40
74.27
74.36
44
26.98
Operating margin%
17.43
20.15
17.30
18.99
16.83
17.37
19.30
17.60
16.68
14.72
16.99
17.37
17.40
19
24.20
Net margin%
9.99
10.48
11.53
9.48
7.22
7.55
9.10
7.45
5.31
6.31
3.37
7.45
8.33
37
25.70
P/E ratio (avg)x
57.37
62.87
69.98
72.26
78.35
85.13
96.98
96.48
111.0
132.3
6.109
96.98
81.74
54
23.23
P/TBVx
24.54
24.44
23.53
22.31
23.25
22.68
24.39
26.80
28.62
30.44
10.53
26.80
24.41
34
16.24
P/Bx
39.88
43.43
49.42
53.65
56.05
68.05
75.02
81.01
80.52
88.25
19.67
80.52
62.05
47
29.71
Prem. grth%
23.99
23.23
22.61
23.45
20.63
23.22
24.87
24.69
26.93
26.36
7.58
24.87
23.72
42
4.06
Invest. yld%
5.63
3.71
3.91
5.71
6.47
8.39
7.40
8.46
5.94
8.22
26.98
8.22
6.20
29
18.78
BVPS grth%
28.44
28.19
27.86
29.35
31.62
31.09
33.00
30.12
29.98
29.31
18.93
30.12
29.66
5
22.88
Return on equity%
18.76
17.31
16.48
17.12
17.80
16.45
17.67
16.90
14.97
12.45
29.89
16.45
17.01
88
25.97
Return on assets%
18.27
17.75
19.10
16.96
16.10
15.42
12.76
14.97
14.65
13.73
18.99
14.65
15.76
35
0.17
EPS$
0.49
0.56
0.57
0.66
0.71
0.74
0.86
0.91
1.02
0.98
0.17
6.62%
7.05%
—
5.14
EPS growth%
9.90
8.40
9.97
10.64
11.30
10.69
13.49
15.17
15.63
12.70
11.04
13.49
10.99
60
0.47
Bookvalue per sh$
0.57
0.56
0.59
0.63
0.62
0.71
0.72
0.74
0.83
0.97
0.61
9.43%
6.08%
—
0.28
TBV/sh$
0.32
0.33
0.40
0.46
0.47
0.54
0.65
0.76
0.90
0.97
0.20
15.86%
12.52%
—
0.14
Dividend per sh$
0.22
0.22
0.22
0.21
0.22
0.20
0.23
0.22
0.21
0.21
0.19
(0.49%)
(0.16%)
—
18.68
Div yield (avg)%
28.74
29.40
29.06
28.90
29.37
28.72
28.36
28.66
29.56
31.35
17.26
28.72
28.98
80
21.01
Payout ratio%
31.98
29.78
31.42
34.39
34.98
33.14
30.77
32.21
32.66
32.82
9.88
32.66
32.44
62
933.7
Shares (diluted)M
902.1
851.1
888.5
843.0
743.1
708.8
768.1
745.9
669.4
630.3
917.0
(3.24%)
(2.87%)
74
21.94
Buyback yield%
22.31
22.14
24.44
27.21
29.58
26.81
27.44
25.92
26.12
25.63
3.81
26.12
26.02
50
1.709
D/E ratiox
0.795
0.816
0.921
0.877
0.961
0.863
0.787
0.725
0.721
0.770
0.999
0.770
0.805
35
322.9
Assets$M
167.5
179.2
198.7
220.8
230.7
259.9
276.0
292.7
309.0
344.2
120.0
8.32%
8.57%
39
0.756
LT debt$B
1.553
1.691
1.598
1.780
1.836
1.707
1.664
1.782
1.827
1.908
1.043
0.78%
3.41%
80
Revenue
$1.145B
1.49%
1.00×
Claims and benefits
$572.8M
1.16%
0.97×
Total costs
$778.6M
1.57%
1.01×
Return on capital
253.32%