2.145
Revenue$B
4.929
4.998
4.993
4.951
4.949
5.022
5.023
5.126
5.219
5.272
2.258
1.27%
0.47%
13
4.14
Revenue growth%
23.08
23.96
22.89
21.19
24.11
25.15
25.22
24.15
22.46
20.83
25.51
24.15
23.52
15
13.68
Combined R.%
93.95
93.15
94.57
94.65
94.42
94.66
96.47
95.48
94.56
95.84
15.36
95.48
94.61
81
16.95
Operating margin%
24.71
22.06
24.02
23.15
25.14
25.19
24.67
27.11
24.69
22.07
11.63
24.69
24.68
61
29.22
Net margin%
3.04
1.74
3.10
0.50
1.01
0.84
2.70
3.76
6.32
8.37
20.96
3.76
2.87
64
30.21
P/E ratio (avg)x
18.08
17.42
17.84
17.03
15.89
14.67
15.00
16.37
14.46
14.37
13.73
14.67
16.13
76
30.87
P/TBVx
39.65
43.12
40.20
39.23
42.83
46.25
46.66
49.58
46.16
50.82
14.26
46.66
44.64
26
6.330
P/Bx
22.71
22.81
22.11
18.92
17.33
18.79
16.26
14.63
15.32
15.19
6.674
15.32
18.06
37
3.63
Prem. grth%
7.14
5.65
5.91
3.48
4.71
5.63
7.20
6.07
4.38
5.94
4.68
5.94
5.78
28
7.58
Invest. yld%
4.68
4.07
2.10
0.40
0.40
0.40
0.40
1.17
0.40
1.42
4.39
0.40
0.78
86
12.73
BVPS grth%
5.38
8.32
10.09
8.09
9.60
7.40
9.08
7.86
7.30
8.51
13.09
7.86
8.20
49
26.09
Return on equity%
12.86
14.34
15.82
13.73
12.67
14.13
15.36
17.40
16.14
15.95
12.59
15.95
14.85
91
18.77
Return on assets%
3.13
1.58
0.56
0.40
1.46
0.40
0.40
0.40
0.40
2.90
12.26
0.40
0.48
12
13.12
EPS$
15.22
16.23
16.00
16.00
13.62
14.14
14.95
15.46
13.74
13.13
14.54
(0.73%)
(1.18%)
—
27.60
EPS growth%
1.98
4.21
3.60
5.63
4.17
2.44
0.96
0.40
0.41
2.29
16.72
0.96
2.37
86
17.41
Bookvalue per sh$
14.38
15.39
15.34
14.81
13.31
14.97
15.76
15.49
16.44
15.18
17.73
2.66%
1.29%
—
10.71
TBV/sh$
17.78
17.91
19.96
20.31
18.72
21.24
22.83
21.10
19.78
20.77
17.56
2.11%
2.89%
—
6.91
Dividend per sh$
3.72
3.77
3.70
4.24
4.59
4.68
4.61
5.38
5.76
5.96
7.75
5.35%
5.82%
—
8.86
Div yield (avg)%
10.57
11.16
8.84
10.86
12.38
14.07
15.17
13.95
14.11
14.24
14.21
14.11
13.17
30
11.82
Payout ratio%
8.70
6.73
8.36
9.13
10.03
9.96
9.89
10.50
12.46
14.44
27.51
10.50
9.92
90
81.94
Shares (diluted)M
88.45
80.14
84.54
83.07
86.64
88.38
90.55
95.95
95.39
87.70
80.75
0.24%
(0.83%)
15
18.96
Buyback yield%
23.59
23.40
26.12
24.83
25.94
23.99
25.76
26.15
24.38
27.30
26.26
25.76
25.30
18
0.875
D/E ratiox
0.389
0.421
0.494
0.557
0.631
0.664
0.708
0.745
0.799
0.842
1.226
0.745
0.647
88
1.479
Assets$B
7.830
8.637
9.397
9.725
10.43
10.95
12.36
13.50
14.68
15.63
1.973
8.43%
7.74%
48
1.795
LT debt$B
0.838
0.913
0.879
0.835
0.810
0.736
0.718
0.656
0.584
0.606
2.752
(5.65%)
(2.70%)
16
Revenue
$5.272B
0.47%
1.00×
Claims and benefits
$3.081B
0.43%
1.00×
Total costs
$4.633B
0.43%
1.00×