0.755
Revenue$B
1.070
1.133
1.189
1.255
1.288
1.308
1.364
1.440
1.505
1.585
0.843
4.23%
4.54%
18
22.49
Revenue growth%
15.18
17.04
19.64
18.02
17.44
18.20
17.77
19.00
18.71
17.81
2.52
18.20
17.91
39
3.79
Combined R.%
87.49
86.65
87.28
85.34
87.71
86.47
87.79
86.16
87.84
86.86
11.17
86.86
87.07
11
20.54
Operating margin%
9.40
9.53
7.37
6.49
7.47
7.96
6.96
7.66
7.70
9.23
22.58
7.70
7.68
30
14.35
Net margin%
10.79
10.61
12.19
9.67
9.74
7.50
9.26
6.90
9.89
9.13
4.81
9.13
9.71
61
27.67
P/E ratio (avg)x
21.35
23.21
19.96
20.71
19.72
20.05
19.07
18.02
16.25
15.52
9.451
18.02
19.84
84
31.08
P/TBVx
8.759
8.486
9.496
10.15
10.35
11.24
12.40
13.49
15.84
15.90
13.72
13.49
10.79
88
30.90
P/Bx
26.21
24.79
24.00
24.42
22.84
21.80
22.99
22.25
24.97
26.71
25.69
22.99
24.21
72
12.21
Prem. grth%
20.60
17.62
20.01
21.27
21.53
24.45
26.46
28.70
26.55
29.16
13.52
26.55
22.99
64
7.36
Invest. yld%
15.21
16.68
17.33
19.85
21.85
20.14
22.36
20.14
17.36
14.59
29.81
20.14
18.60
68
14.59
BVPS grth%
4.45
1.70
3.34
1.31
3.41
4.80
3.42
1.84
0.40
2.04
14.12
2.04
2.69
81
26.01
Return on equity%
18.55
15.72
18.63
18.86
19.93
21.86
22.92
25.87
24.85
27.73
7.15
24.85
20.89
25
25.06
Return on assets%
9.89
11.19
11.58
8.85
10.24
7.78
10.13
7.48
10.38
8.60
8.51
8.60
10.01
7
0.54
EPS$
1.75
1.89
1.70
1.65
1.63
1.57
1.69
1.79
1.65
1.71
0.57
1.06%
(0.15%)
—
19.70
EPS growth%
10.76
9.92
11.91
9.14
11.14
11.71
13.28
12.91
11.05
8.49
21.75
11.71
11.10
26
1.49
Bookvalue per sh$
1.98
2.20
2.66
2.80
3.27
3.72
4.47
4.80
5.75
5.68
0.83
11.71%
12.76%
—
1.01
TBV/sh$
1.92
2.12
2.18
2.07
1.94
2.21
2.06
1.91
1.84
1.92
1.72
(0.27%)
0.54%
—
0.76
Dividend per sh$
0.45
0.43
0.39
0.40
0.36
0.40
0.39
0.40
0.39
0.36
1.64
(0.34%)
(1.58%)
—
6.24
Div yield (avg)%
10.27
11.95
13.61
11.60
11.54
12.01
13.51
12.83
12.94
14.97
20.69
12.94
12.42
93
25.90
Payout ratio%
6.32
8.05
8.01
5.39
6.28
8.39
11.09
11.45
8.72
8.64
2.75
8.72
8.22
65
308.7
Shares (diluted)M
414.8
417.7
455.1
418.9
400.8
376.9
348.6
311.5
307.2
305.2
315.0
(5.30%)
(2.06%)
36
6.76
Buyback yield%
29.36
28.44
25.51
25.24
23.72
26.72
27.73
27.01
29.30
30.05
29.13
27.73
27.37
89
0.997
D/E ratiox
2.599
2.577
2.752
2.919
2.875
3.011
3.169
3.454
4.053
4.250
1.784
3.454
2.965
28
0.649
Assets$B
0.637
0.669
0.718
0.790
0.843
0.940
1.003
1.093
1.201
1.309
1.764
9.20%
8.50%
6
0.808
LT debt$B
2.331
2.287
2.196
2.298
2.663
2.589
2.986
2.818
2.666
2.692
0.592
0.22%
1.54%
27
Revenue
$1.585B
4.54%
1.00×
Claims and benefits
$847.3M
4.56%
1.00×
Total costs
$1.266B
4.68%
1.01×