1.325
Revenue$B
0.773
0.830
0.913
0.974
1.028
1.100
1.189
1.256
1.330
1.457
1.419
7.23%
7.12%
56
13.57
Revenue growth%
9.65
12.02
10.55
8.16
5.68
3.06
3.91
2.78
2.66
3.65
25.20
3.06
4.80
15
20.25
Combined R.%
86.62
87.37
86.27
86.91
88.12
86.41
85.69
86.27
85.66
85.61
18.19
85.69
86.34
14
26.93
Operating margin%
13.42
15.08
17.29
14.74
17.37
18.97
18.00
16.19
16.63
15.26
3.36
16.63
16.41
22
10.86
Net margin%
19.68
19.17
19.13
20.94
20.51
21.10
21.01
20.56
21.59
24.45
3.37
21.10
20.75
82
25.00
P/E ratio (avg)x
9.478
10.29
9.956
9.235
9.988
10.05
9.238
9.444
9.645
9.714
20.24
9.645
9.680
23
36.90
P/TBVx
30.59
30.26
32.52
36.54
38.88
36.60
41.90
42.65
44.62
45.62
26.31
42.65
37.74
20
6.002
P/Bx
25.39
26.74
24.47
24.44
23.89
24.99
23.69
20.96
18.66
16.46
21.06
20.96
24.16
31
17.51
Prem. grth%
24.12
22.71
24.55
22.37
23.51
25.52
27.34
25.51
22.56
24.33
4.96
25.51
24.23
21
13.66
Invest. yld%
16.42
15.88
13.66
11.56
9.36
10.27
7.95
8.84
6.37
4.24
5.46
7.95
9.82
55
9.81
BVPS grth%
5.56
3.39
3.90
5.65
3.51
2.29
0.40
3.28
5.59
6.08
25.40
3.28
3.71
61
26.23
Return on equity%
7.45
8.85
11.80
10.72
11.72
13.68
16.16
15.93
14.64
16.89
17.49
15.93
12.74
43
12.44
Return on assets%
14.84
12.22
11.46
13.77
12.98
13.67
15.92
14.60
16.86
16.83
22.73
15.92
14.19
77
17.18
EPS$
10.23
9.84
9.26
10.26
10.61
10.23
10.05
10.66
10.38
9.52
18.90
(2.15%)
(0.70%)
—
9.96
EPS growth%
31.62
33.15
30.63
31.61
28.71
26.73
25.49
22.75
22.20
23.73
6.33
23.73
27.72
71
12.52
Bookvalue per sh$
5.07
5.40
4.88
4.69
4.17
4.22
3.97
3.83
3.68
3.67
11.73
(2.53%)
(3.30%)
—
16.71
TBV/sh$
4.07
3.55
3.40
3.50
3.46
3.11
3.13
2.71
2.81
3.00
4.72
(2.81%)
(3.62%)
—
10.24
Dividend per sh$
3.42
3.40
3.19
3.06
3.49
3.41
3.20
3.52
3.79
4.21
2.92
3.81%
3.27%
—
23.40
Div yield (avg)%
12.80
15.18
16.01
15.19
12.99
15.20
15.43
12.66
15.23
14.60
4.89
15.20
15.18
26
5.36
Payout ratio%
29.29
28.03
28.35
30.76
30.29
31.69
30.13
29.82
31.20
28.78
22.97
30.13
29.98
90
57.39
Shares (diluted)M
50.67
48.68
48.98
50.37
43.36
43.27
39.45
39.37
35.70
36.23
60.28
(3.53%)
(2.85%)
28
23.56
Buyback yield%
4.10
4.84
2.30
2.78
1.49
1.40
4.29
2.85
3.74
3.49
16.33
3.49
3.17
28
0.153
D/E ratiox
0.343
0.336
0.337
0.311
0.355
0.398
0.428
0.418
0.449
0.473
1.760
0.428
0.377
62
1.685
Assets$B
4.139
4.392
4.835
5.383
5.871
6.508
6.775
7.459
8.382
9.169
1.646
9.33%
9.41%
53
1.133
LT debt$B
1.344
1.334
1.581
1.678
1.763
1.884
1.826
2.066
2.428
2.464
1.505
6.92%
8.15%
36
Revenue
$1.457B
7.12%
1.00×
Claims and benefits
$784.6M
6.81%
0.97×
Total costs
$1.150B
7.02%
0.99×