0.675
Revenue$B
0.767
0.839
0.897
0.984
1.053
1.158
1.253
1.372
1.463
1.623
0.749
9.04%
8.88%
91
13.07
Revenue growth%
20.94
18.81
17.90
16.11
16.32
15.09
17.42
18.93
19.33
19.87
8.30
18.93
18.35
61
20.93
Combined R.%
80.30
81.35
79.94
80.71
81.21
80.75
80.02
80.06
78.71
79.06
8.36
80.02
80.18
28
21.37
Operating margin%
9.90
10.82
8.03
10.45
7.81
9.48
11.92
13.42
11.46
11.48
22.37
11.48
10.64
49
3.37
Net margin%
25.01
26.86
27.84
29.61
30.85
29.04
27.15
26.96
29.52
27.30
16.90
27.30
27.57
45
24.93
P/E ratio (avg)x
29.20
30.94
31.33
31.17
27.57
24.96
24.29
21.77
21.31
23.41
33.13
23.41
26.27
17
17.06
P/TBVx
10.11
10.03
10.92
11.64
13.38
14.08
14.13
13.99
14.36
14.72
23.88
14.13
13.68
19
6.329
P/Bx
14.90
13.38
11.49
12.29
12.02
12.75
12.72
13.64
12.07
12.13
16.09
12.72
12.50
5
9.64
Prem. grth%
14.24
16.07
15.81
16.07
15.65
15.04
17.57
14.83
17.19
15.68
20.07
15.68
15.74
23
24.40
Invest. yld%
21.85
19.69
16.79
16.41
14.59
12.22
9.88
11.84
13.82
16.58
20.70
12.22
15.50
69
3.96
BVPS grth%
1.37
4.12
2.00
3.59
2.69
5.67
7.45
7.21
9.15
9.59
21.80
7.45
4.90
41
23.86
Return on equity%
9.67
10.44
9.69
9.63
7.68
8.32
9.79
7.74
6.31
3.62
4.55
7.74
8.98
14
27.68
Return on assets%
27.09
24.80
23.92
22.96
20.92
23.16
24.34
26.81
29.12
26.35
4.14
26.35
24.57
43
2.97
EPS$
4.67
5.47
5.79
6.45
6.49
7.26
8.60
8.82
9.33
10.97
3.30
11.07%
9.38%
—
5.62
EPS growth%
7.21
8.20
11.00
8.10
7.52
8.49
9.48
8.32
8.70
6.55
22.21
8.49
8.26
49
1.23
Bookvalue per sh$
4.46
4.81
5.39
5.64
6.29
6.89
7.50
7.87
8.65
8.53
2.07
6.30%
7.06%
—
4.36
TBV/sh$
2.31
2.61
2.49
2.68
2.52
2.48
2.52
2.66
2.41
2.49
0.75
(0.23%)
1.79%
—
3.72
Dividend per sh$
6.75
6.95
7.35
8.01
7.36
6.73
6.51
6.96
7.74
7.16
4.28
(0.54%)
1.90%
—
7.12
Div yield (avg)%
22.00
22.71
24.03
23.87
25.14
25.15
26.68
28.13
25.42
22.59
8.16
25.42
24.58
74
4.58
Payout ratio%
8.63
11.20
14.05
12.00
13.73
11.16
13.35
15.60
17.23
16.90
3.41
15.60
13.54
15
138.1
Shares (diluted)M
180.0
190.6
192.2
197.8
202.3
204.1
197.6
215.7
218.3
239.1
135.0
3.39%
4.06%
79
16.70
Buyback yield%
3.65
3.78
2.71
3.46
0.46
0.40
1.33
0.40
0.49
0.40
17.76
0.40
0.91
72
0.745
D/E ratiox
1.150
1.130
1.147
1.337
1.299
1.394
1.586
1.716
1.784
1.680
0.431
1.680
1.366
77
1.479
Assets$B
2.817
3.056
3.292
3.657
4.003
4.335
4.811
5.116
5.358
5.870
0.290
7.96%
8.17%
94
1.028
LT debt$B
1.039
0.926
0.941
0.942
0.812
0.786
0.828
0.715
0.750
0.694
0.370
(3.09%)
(5.05%)
40
Revenue
$1.623B
8.88%
1.00×
Claims and benefits
$863.9M
8.86%
1.00×
Total costs
$1.175B
8.53%
0.97×