0.940
Revenue$B
2.374
2.596
2.792
3.026
3.311
3.551
3.850
4.111
4.456
4.866
0.978
8.01%
8.51%
35
18.15
Revenue growth%
11.58
12.19
10.41
7.54
7.79
9.05
6.80
5.34
6.37
6.81
25.61
6.80
7.67
45
13.39
Combined R.%
80.80
80.60
81.02
82.31
81.95
81.64
81.76
81.19
81.45
83.27
10.47
81.64
81.55
86
12.19
Operating margin%
17.99
18.66
16.86
15.50
16.11
17.27
18.72
17.61
19.72
21.86
20.03
18.72
17.80
31
20.12
Net margin%
17.25
16.44
18.37
20.27
22.07
21.27
19.15
20.50
22.51
23.13
2.63
21.27
20.39
94
26.15
P/E ratio (avg)x
33.23
28.70
27.59
25.03
24.65
24.30
21.90
23.22
25.28
26.07
6.713
24.30
25.16
64
24.85
P/TBVx
20.69
22.17
23.66
26.42
24.54
22.85
26.24
27.05
28.98
28.96
34.90
27.05
25.39
44
12.94
P/Bx
19.64
17.06
15.31
13.80
13.55
13.27
14.00
12.83
11.59
10.69
7.055
12.83
13.68
56
24.95
Prem. grth%
17.93
17.54
17.34
17.23
16.82
15.81
14.72
14.33
14.50
12.83
5.61
14.50
16.32
44
18.38
Invest. yld%
6.86
9.36
8.25
8.27
5.76
6.08
3.86
3.32
3.80
2.60
6.40
3.80
5.92
31
21.40
BVPS grth%
13.87
12.00
12.10
13.60
11.41
10.54
12.65
11.64
11.06
10.36
5.89
11.06
11.82
93
11.64
Return on equity%
19.99
21.88
23.08
24.33
22.51
21.76
24.47
24.83
26.93
26.64
29.33
24.83
23.70
53
29.85
Return on assets%
34.16
33.01
32.34
34.07
35.55
35.01
35.41
38.08
40.06
42.06
27.40
38.08
35.21
56
8.18
EPS$
11.27
10.46
10.87
11.62
12.79
11.98
11.05
11.50
12.71
12.73
8.52
(0.10%)
1.48%
—
3.25
EPS growth%
6.80
6.71
4.78
4.98
6.01
5.67
8.21
8.69
5.92
8.81
10.56
8.21
6.36
14
4.46
Bookvalue per sh$
4.33
4.65
4.89
5.56
5.93
6.77
7.19
6.96
6.83
6.31
6.37
1.23%
4.52%
—
10.84
TBV/sh$
7.22
7.66
6.51
6.90
6.96
6.20
5.26
5.59
4.72
4.53
13.95
(8.23%)
(4.87%)
—
3.59
Dividend per sh$
15.85
15.31
15.57
17.19
19.73
23.18
22.72
22.26
22.42
24.83
10.89
4.70%
5.98%
—
3.96
Div yield (avg)%
6.43
4.65
2.01
4.82
4.34
6.48
6.84
4.10
1.71
1.75
17.80
4.10
4.50
29
15.53
Payout ratio%
7.90
9.86
7.68
6.52
6.49
3.64
1.72
1.32
0.85
3.23
4.85
1.72
5.06
55
323.8
Shares (diluted)M
514.3
540.3
509.9
576.1
570.9
636.5
625.2
642.8
590.6
619.3
327.0
1.64%
2.27%
43
28.77
Buyback yield%
14.31
15.57
15.24
18.07
17.81
17.77
19.21
18.86
18.25
17.59
21.42
18.25
17.79
8
1.344
D/E ratiox
1.955
2.067
2.196
2.530
2.895
2.959
3.369
3.923
3.878
4.036
0.239
3.878
2.927
46
5.301
Assets$B
17.17
18.23
19.76
21.99
23.01
24.62
26.42
29.61
31.61
34.05
3.936
8.15%
8.40%
24
0.640
LT debt$B
3.196
3.456
3.769
3.820
3.438
3.303
2.996
2.669
2.924
3.040
0.595
(2.43%)
0.61%
36
Revenue
$4.866B
8.51%
1.00×
Claims and benefits
$2.608B
8.79%
1.03×
Total costs
$3.704B
8.81%
1.03×