3.148
Revenue$B
10.53
11.38
11.74
12.58
13.14
13.94
14.61
15.16
16.17
17.34
3.248
5.71%
5.79%
21
16.73
Revenue growth%
29.62
26.89
27.21
26.78
24.39
26.93
29.01
27.71
30.20
32.34
28.61
29.01
27.46
46
22.61
Combined R.%
82.56
83.29
81.18
80.20
82.78
82.65
80.12
82.54
81.89
82.01
27.72
82.01
82.27
35
26.59
Operating margin%
6.59
4.38
5.72
5.47
4.65
6.14
6.38
8.08
6.45
3.60
13.21
6.38
5.93
73
16.06
Net margin%
1.19
0.40
0.40
0.40
1.65
0.45
0.40
0.40
0.40
0.40
27.73
0.40
0.40
88
21.66
P/E ratio (avg)x
56.93
55.29
53.85
59.99
62.56
67.46
75.26
85.46
84.16
97.78
9.437
84.16
65.01
63
32.47
P/TBVx
22.01
21.31
21.20
19.25
17.61
19.31
19.99
18.73
17.24
19.02
22.27
19.02
19.28
29
17.01
P/Bx
23.94
23.42
22.82
24.15
25.83
25.82
26.36
31.41
34.21
38.71
12.51
31.41
25.83
44
15.76
Prem. grth%
18.61
20.62
20.50
21.13
23.25
23.99
21.89
22.61
24.56
25.53
8.11
23.99
22.25
41
17.19
Invest. yld%
9.56
8.96
9.30
6.83
9.78
8.24
7.33
6.95
7.64
9.30
13.06
7.64
8.60
13
4.34
BVPS grth%
22.31
19.49
21.84
19.64
21.28
19.90
20.14
17.89
17.43
18.44
8.05
18.44
19.77
31
25.24
Return on equity%
12.15
11.63
13.78
13.28
16.18
13.72
14.37
15.52
14.17
13.21
21.96
14.17
13.75
26
24.23
Return on assets%
0.40
0.93
3.27
4.62
7.28
8.96
6.50
7.04
4.09
1.22
2.64
6.50
4.36
45
10.63
EPS$
7.43
8.22
9.87
10.27
11.88
13.66
15.44
16.09
18.72
22.19
10.87
13.30%
12.85%
—
25.59
EPS growth%
9.96
12.37
15.10
17.22
17.41
16.13
16.03
17.95
17.55
15.96
2.11
16.13
16.08
28
5.63
Bookvalue per sh$
9.89
10.55
12.43
13.88
13.86
14.07
14.01
16.36
16.50
18.00
6.84
5.37%
5.87%
—
10.51
TBV/sh$
1.25
1.30
1.33
1.42
1.42
1.42
1.59
1.63
1.65
1.77
7.11
4.58%
3.64%
—
3.04
Dividend per sh$
11.93
12.04
13.55
13.76
16.12
17.84
21.22
21.85
24.38
29.05
7.07
12.50%
11.17%
—
24.61
Div yield (avg)%
34.63
36.80
35.13
35.88
36.00
38.16
39.44
37.07
38.39
37.81
24.75
38.16
36.93
77
12.29
Payout ratio%
7.14
7.72
10.23
12.43
11.45
8.84
8.83
7.27
5.14
2.99
7.95
7.27
8.27
7
530.6
Shares (diluted)M
699.9
713.9
806.2
806.6
751.4
692.7
629.9
611.8
689.5
693.5
522.5
(1.59%)
0.92%
77
11.77
Buyback yield%
9.09
10.83
10.86
10.60
11.37
10.83
12.26
14.94
15.62
13.78
23.51
13.78
11.11
79
0.933
D/E ratiox
1.367
1.273
1.294
1.363
1.401
1.307
1.212
1.319
1.371
1.446
0.977
1.319
1.341
37
9.138
Assets$B
53.51
55.06
61.24
64.81
68.34
72.17
77.49
87.32
96.17
106.1
6.907
9.20%
7.88%
37
3.595
LT debt$B
7.637
7.400
7.495
7.414
8.277
8.784
9.130
9.791
9.895
10.84
13.23
5.54%
4.52%
93
Revenue
$17.34B
5.79%
1.00×
Claims and benefits
$8.528B
6.05%
1.03×
Total costs
$13.18B
6.02%
1.02×