1.129
Revenue$B
4.522
4.838
5.156
5.701
6.235
6.926
7.501
7.971
8.534
9.372
1.170
8.49%
8.42%
64
13.25
Revenue growth%
17.20
15.86
17.89
17.22
19.59
17.83
15.13
14.12
15.86
14.65
24.08
15.13
16.53
55
15.93
Combined R.%
88.74
89.68
89.13
89.15
88.54
88.62
87.84
88.64
90.44
87.19
16.67
88.62
88.69
21
27.79
Operating margin%
22.52
21.41
23.77
23.40
22.03
24.86
26.33
25.44
22.57
19.69
27.40
24.86
22.98
43
17.53
Net margin%
21.23
19.01
21.41
20.26
20.26
21.34
18.74
18.52
16.28
14.14
21.79
18.52
19.64
33
16.14
P/E ratio (avg)x
23.02
24.42
24.55
24.92
27.11
24.20
23.93
21.61
20.59
19.73
34.53
21.61
24.06
67
25.88
P/TBVx
51.49
53.19
54.60
66.13
68.42
76.46
85.27
102.5
121.1
126.3
9.873
102.5
72.44
73
26.58
P/Bx
6.045
6.536
7.153
6.326
6.321
6.029
5.540
5.668
5.705
5.940
7.417
5.705
6.037
50
23.98
Prem. grth%
17.53
19.13
17.16
18.20
16.74
15.24
17.91
16.07
16.35
14.40
11.04
16.07
16.95
41
21.33
Invest. yld%
26.28
23.87
22.96
20.29
20.61
20.80
18.89
20.12
19.69
18.39
2.17
19.69
20.45
35
19.68
BVPS grth%
10.37
11.06
8.74
8.73
9.09
9.16
6.57
4.54
5.15
2.91
4.57
5.15
8.74
90
7.76
Return on equity%
8.12
10.57
9.73
11.64
10.21
10.32
11.38
9.56
7.57
6.72
23.17
9.56
9.97
70
20.65
Return on assets%
26.76
27.02
25.09
27.93
29.48
31.47
32.04
30.77
28.17
28.91
21.66
30.77
28.54
33
0.68
EPS$
1.15
1.17
1.22
1.16
1.23
1.34
1.21
1.15
1.21
1.15
0.74
(1.48%)
(0.66%)
—
5.74
EPS growth%
16.35
13.53
14.30
15.88
18.75
15.83
13.22
15.24
16.74
15.44
12.66
15.44
15.63
19
1.42
Bookvalue per sh$
2.01
2.13
2.31
2.42
2.27
2.29
2.34
2.54
2.78
2.92
1.39
5.10%
3.12%
—
0.70
TBV/sh$
0.58
0.54
0.50
0.47
0.53
0.50
0.49
0.54
0.52
0.53
0.85
0.10%
(0.14%)
—
0.64
Dividend per sh$
3.32
3.34
4.00
4.61
4.70
4.70
4.59
5.13
5.87
5.73
0.73
4.04%
6.11%
—
24.60
Div yield (avg)%
21.88
19.60
19.17
19.94
19.39
20.23
22.93
25.63
25.14
25.97
2.44
25.14
21.05
9
6.73
Payout ratio%
33.02
35.25
36.52
36.28
38.03
38.22
39.55
40.22
37.67
37.37
18.63
38.22
37.52
83
3.690
Shares (diluted)B
2.798
2.782
3.007
2.842
3.148
3.459
3.876
4.019
3.585
3.490
3.662
2.08%
1.11%
79
18.26
Buyback yield%
3.44
1.76
0.57
1.98
4.75
3.75
1.57
0.40
1.03
0.40
25.31
1.03
1.67
8
0.312
D/E ratiox
2.634
2.701
2.972
2.948
3.025
2.847
2.859
3.185
3.570
3.403
0.976
3.185
2.960
27
3.360
Assets$B
5.117
5.413
5.844
6.523
7.016
7.847
8.589
9.405
10.03
11.08
10.59
9.58%
8.41%
15
5.929
LT debt$B
4.637
4.669
4.894
5.413
4.964
5.388
5.193
4.926
4.795
4.592
6.392
(1.55%)
0.57%
77
Revenue
$9.372B
8.42%
1.00×
Claims and benefits
$5.288B
8.38%
1.00×
Total costs
$7.468B
8.25%
0.98×