1.047
Revenue$B
4.108
4.469
4.904
5.399
5.722
6.103
6.590
7.038
7.665
8.116
1.085
7.24%
7.81%
16
23.36
Revenue growth%
11.31
8.89
6.14
7.15
7.72
9.91
12.16
11.16
9.09
7.95
19.67
9.91
8.99
7
3.19
Combined R.%
78.36
78.33
78.99
77.64
76.78
77.75
78.15
77.38
78.39
77.38
21.48
77.75
77.95
59
3.87
Operating margin%
12.23
12.93
11.78
11.36
8.37
5.86
3.88
4.56
2.82
1.49
10.32
3.88
7.12
34
29.95
Net margin%
21.88
20.29
21.99
22.13
24.10
26.13
23.72
21.30
20.50
18.59
2.13
21.30
21.94
55
24.58
P/E ratio (avg)x
51.04
58.88
65.78
74.49
77.14
77.34
88.80
92.30
112.3
127.0
13.59
92.30
77.24
36
14.30
P/TBVx
40.46
43.27
41.41
39.27
39.84
44.45
49.37
55.71
61.65
58.73
31.99
55.71
43.86
28
25.53
P/Bx
15.65
17.39
19.48
20.72
22.31
25.17
24.25
24.11
24.08
22.70
29.11
24.11
22.51
35
4.81
Prem. grth%
5.50
4.53
2.89
2.42
3.89
3.94
1.00
0.40
0.40
0.98
22.60
0.98
2.66
49
10.05
Invest. yld%
3.74
4.66
1.80
4.12
5.97
6.01
4.29
1.80
2.14
5.04
13.50
4.29
4.20
29
3.81
BVPS grth%
19.26
20.17
22.70
21.27
19.21
22.04
20.05
17.40
17.94
16.65
22.99
17.94
19.66
30
19.84
Return on equity%
15.50
13.43
15.39
12.97
15.50
15.23
18.13
15.91
15.22
17.99
15.85
15.91
15.45
14
26.45
Return on assets%
28.19
27.79
28.54
31.35
30.81
28.69
25.97
28.59
29.07
26.91
9.97
28.59
28.57
73
6.93
EPS$
31.01
30.23
31.30
37.00
36.42
35.96
36.92
41.91
43.84
41.59
7.23
2.69%
3.06%
—
23.04
EPS growth%
10.69
10.51
12.56
11.79
10.91
13.23
12.92
14.08
16.50
18.17
13.01
14.08
12.74
80
13.60
Bookvalue per sh$
15.82
14.61
16.12
15.52
14.06
13.57
12.54
14.11
13.63
13.52
6.01
(0.79%)
(1.42%)
—
9.00
TBV/sh$
19.88
19.12
18.08
19.22
18.94
17.68
16.36
15.40
14.99
16.77
10.08
(2.41%)
(1.96%)
—
3.59
Dividend per sh$
31.93
36.62
34.28
38.58
39.94
43.73
40.35
43.35
44.80
42.20
19.54
1.11%
2.68%
—
21.94
Div yield (avg)%
1.75
0.40
0.40
2.78
5.33
8.30
7.48
8.51
8.54
8.74
6.40
8.51
6.41
16
14.90
Payout ratio%
21.65
23.84
24.29
23.80
20.87
21.27
21.73
22.69
21.94
24.02
7.75
21.94
22.31
70
152.7
Shares (diluted)M
111.0
101.0
90.15
93.12
95.98
98.48
93.69
96.91
96.11
94.70
150.5
(0.27%)
(2.54%)
76
7.27
Buyback yield%
32.04
30.07
27.82
26.67
25.01
23.55
22.60
22.22
20.44
20.93
25.25
22.22
24.28
83
0.924
D/E ratiox
1.060
0.910
0.880
0.836
0.858
0.885
0.953
0.903
0.834
0.845
0.818
0.885
0.882
70
4.758
Assets$B
21.16
22.32
24.65
25.84
29.32
31.42
34.26
36.87
39.36
43.05
3.343
7.98%
8.33%
31
7.067
LT debt$B
4.579
3.945
3.847
3.682
3.967
3.656
3.562
3.548
3.164
2.904
6.614
(6.05%)
(5.34%)
17
Revenue
$8.116B
7.81%
1.00×
Claims and benefits
$4.173B
7.61%
0.98×
Total costs
$5.729B
7.83%
1.00×