0.446
Revenue$B
1.891
1.989
2.144
2.289
2.428
2.607
2.836
3.019
3.141
3.397
0.496
6.95%
6.83%
73
9.24
Revenue growth%
13.14
11.59
13.64
15.23
16.87
17.47
17.88
15.77
18.32
17.23
3.29
17.47
16.32
40
18.36
Combined R.%
85.14
87.08
86.99
85.96
86.28
85.74
86.69
84.35
86.77
87.30
15.98
86.69
86.49
76
5.20
Operating margin%
21.77
24.59
24.99
27.89
28.74
28.26
26.27
24.96
24.19
21.59
28.38
24.96
24.97
11
2.47
Net margin%
11.83
14.74
16.34
18.55
19.41
18.02
19.80
17.80
17.47
14.97
17.48
17.80
17.64
87
23.40
P/E ratio (avg)x
32.24
34.02
33.63
38.31
44.62
47.27
47.06
50.78
57.88
67.04
11.03
50.78
45.84
65
17.46
P/TBVx
30.51
31.05
36.53
43.60
42.92
51.65
52.29
58.21
58.50
68.07
21.77
58.21
47.63
37
24.63
P/Bx
7.326
7.526
7.577
7.784
7.672
7.481
8.058
7.534
8.382
9.323
17.33
8.058
7.625
53
9.31
Prem. grth%
25.30
25.30
23.98
25.58
27.92
26.96
24.29
22.06
22.41
25.27
25.23
24.29
25.28
24
26.47
Invest. yld%
3.18
1.93
0.62
3.28
0.73
2.01
3.78
1.65
2.51
1.74
17.83
2.01
1.97
32
26.57
BVPS grth%
4.52
3.98
3.94
5.89
7.31
4.98
2.71
3.08
0.83
3.81
12.13
3.08
3.96
37
10.26
Return on equity%
24.40
21.80
23.71
23.96
24.60
25.69
28.28
28.58
30.83
28.75
9.60
28.58
25.14
74
8.64
Return on assets%
27.59
29.27
29.01
29.50
29.00
26.08
24.89
23.93
25.22
23.34
24.69
24.89
26.83
69
40.21
EPS$
28.54
27.13
29.03
27.90
31.27
33.37
35.09
37.95
35.59
36.25
42.19
3.00%
2.64%
—
13.94
EPS growth%
17.10
16.73
19.04
19.50
20.11
22.45
23.24
24.83
22.78
24.31
12.25
23.24
21.28
94
7.82
Bookvalue per sh$
16.44
15.56
14.74
13.83
13.76
14.09
15.56
15.31
17.68
17.21
34.33
4.58%
1.50%
—
32.49
TBV/sh$
22.89
26.66
25.74
24.68
25.28
28.62
31.19
31.08
33.24
32.19
32.54
4.95%
2.98%
—
28.26
Dividend per sh$
32.75
36.30
40.86
38.93
37.37
42.38
48.66
51.97
59.09
64.07
40.62
11.38%
6.71%
—
18.77
Div yield (avg)%
15.67
15.24
17.43
14.66
16.70
14.47
17.25
15.33
15.34
17.83
6.02
15.34
15.50
37
20.33
Payout ratio%
15.60
12.93
15.90
13.50
15.41
17.36
19.13
17.17
18.87
18.92
5.54
18.87
16.54
37
49.97
Shares (diluted)M
48.05
52.64
55.93
58.81
62.42
64.75
67.44
63.59
62.62
62.96
47.81
0.17%
3.67%
86
18.68
Buyback yield%
23.07
25.67
28.44
31.21
28.32
28.85
25.95
28.69
28.51
25.78
10.16
28.51
28.38
45
0.458
D/E ratiox
0.936
1.114
1.212
1.421
1.659
1.712
1.769
1.706
1.677
1.684
0.199
1.706
1.668
35
2.341
Assets$B
5.171
5.710
6.182
6.848
7.372
8.049
8.702
9.625
10.64
11.64
3.842
9.57%
9.06%
16
2.058
LT debt$B
0.580
0.559
0.500
0.472
0.440
0.446
0.468
0.502
0.548
0.506
3.506
2.81%
(1.64%)
17
Revenue
$3.397B
6.83%
1.00×
Claims and benefits
$2.006B
6.82%
1.00×
Total costs
$2.712B
6.85%
1.00×