0.483
Revenue$B
0.595
0.645
0.698
0.746
0.802
0.862
0.923
1.009
1.078
1.139
0.526
7.26%
7.42%
29
7.21
Revenue growth%
7.27
7.17
6.85
6.04
4.85
5.96
7.75
9.84
11.10
8.45
6.16
8.45
7.22
81
12.00
Combined R.%
76.46
77.52
77.79
76.66
77.65
78.13
78.64
77.79
76.01
75.65
21.46
77.79
77.59
80
17.96
Operating margin%
24.51
22.22
20.04
17.56
18.11
19.02
20.25
19.70
20.49
17.69
27.24
19.70
19.87
79
2.07
Net margin%
8.17
6.28
6.19
5.86
7.08
8.87
9.40
9.37
6.83
6.34
26.09
8.87
6.96
41
8.048
P/E ratio (avg)x
16.56
14.82
12.84
12.07
12.88
13.16
12.92
11.91
10.30
10.32
18.37
11.91
12.86
44
28.61
P/TBVx
34.60
35.75
31.50
32.20
27.95
29.09
31.70
31.96
27.77
26.00
11.16
29.09
31.60
15
13.08
P/Bx
7.783
7.391
6.371
6.469
5.659
5.314
5.583
5.624
5.964
5.878
8.696
5.624
5.921
19
22.58
Prem. grth%
18.43
18.07
16.50
17.63
17.40
16.49
17.85
17.16
18.61
18.62
10.99
17.85
17.74
85
11.23
Invest. yld%
11.31
8.68
8.11
5.13
2.54
0.99
1.04
0.40
2.77
2.21
29.85
1.04
2.65
62
23.69
BVPS grth%
15.21
13.26
12.44
12.69
11.46
14.45
12.06
11.65
12.25
9.92
21.34
12.06
12.34
7
9.93
Return on equity%
20.93
21.19
21.93
24.42
25.64
24.28
24.46
22.91
23.36
25.17
11.56
24.28
23.82
72
23.23
Return on assets%
2.19
0.94
0.40
0.40
0.40
3.16
2.33
3.45
6.39
7.55
16.53
3.45
2.26
78
2.93
EPS$
3.91
4.54
4.57
4.78
4.66
4.48
4.32
4.38
4.90
4.95
3.19
1.19%
1.98%
—
28.32
EPS growth%
29.38
30.46
33.28
33.25
31.37
29.51
31.71
31.11
33.14
30.44
13.92
31.11
31.24
33
3.43
Bookvalue per sh$
0.94
0.91
1.04
1.10
1.24
1.46
1.59
1.81
2.17
2.10
3.23
11.19%
9.40%
—
0.60
TBV/sh$
2.29
2.53
2.55
2.74
2.83
3.07
3.18
3.47
3.30
3.10
2.11
1.84%
4.45%
—
2.56
Dividend per sh$
2.69
2.91
2.55
2.58
2.42
2.51
2.74
2.88
3.14
3.15
1.56
5.36%
1.22%
—
13.39
Div yield (avg)%
12.60
12.00
10.48
7.92
6.35
3.75
1.65
0.40
0.40
1.25
3.41
1.25
5.05
14
29.80
Payout ratio%
29.67
30.60
28.90
26.69
27.41
29.24
27.43
29.45
29.31
27.11
23.99
29.24
29.07
8
73.78
Shares (diluted)M
94.98
92.42
98.62
95.30
105.7
104.4
116.7
116.1
130.3
126.4
72.48
3.66%
3.56%
17
16.71
Buyback yield%
6.32
9.01
6.07
8.65
10.76
12.47
11.47
8.78
11.18
13.63
13.97
11.47
9.89
37
0.989
D/E ratiox
1.867
1.974
2.219
2.471
2.323
2.153
2.170
2.091
2.201
2.180
1.598
2.170
2.175
30
0.403
Assets$B
2.283
2.543
2.807
2.984
3.205
3.383
3.792
4.175
4.491
4.756
0.897
8.21%
8.39%
48
1.090
LT debt$B
0.966
0.972
1.022
1.142
1.147
1.211
1.296
1.268
1.245
1.335
1.034
3.09%
3.83%
55
Revenue
$1.139B
7.42%
1.00×
Claims and benefits
$598.2M
7.49%
1.01×
Total costs
$788.7M
7.27%
0.99×