3.497
Revenue$B
3.615
3.661
3.753
3.868
3.873
3.862
3.816
3.885
3.986
3.996
3.877
0.63%
1.00%
30
11.00
Revenue growth%
6.41
9.35
10.17
9.45
11.07
10.57
10.09
10.28
7.57
8.99
29.86
10.09
9.77
75
3.35
Combined R.%
86.26
87.61
87.86
86.74
88.19
88.10
87.14
87.45
86.72
87.96
21.29
87.45
87.53
42
13.65
Operating margin%
22.84
25.78
28.15
30.60
27.84
27.98
29.81
30.09
29.82
29.02
11.59
29.81
28.58
73
9.91
Net margin%
22.91
23.35
22.26
23.26
25.29
23.77
25.32
25.78
26.13
25.37
3.50
25.37
24.53
89
15.93
P/E ratio (avg)x
23.43
23.85
24.71
23.19
23.63
24.35
26.65
24.67
26.67
24.55
35.30
24.67
24.45
63
21.88
P/TBVx
18.95
18.33
17.58
18.13
15.90
16.94
15.04
15.89
15.55
16.06
32.39
15.89
16.50
81
32.73
P/Bx
17.49
19.26
19.34
18.13
19.48
18.75
18.80
19.86
21.90
23.80
6.481
19.86
19.30
17
26.41
Prem. grth%
13.27
14.22
16.91
14.45
14.22
12.95
14.77
12.47
10.41
8.65
11.64
12.47
13.74
37
17.59
Invest. yld%
29.30
27.09
25.73
25.40
26.75
26.70
26.39
23.63
22.72
25.43
23.56
25.43
26.06
14
2.65
BVPS grth%
16.42
19.27
16.61
17.39
14.54
14.32
16.17
15.97
14.06
11.81
11.27
14.32
16.07
19
28.15
Return on equity%
11.92
11.58
13.55
15.38
13.25
15.11
14.72
13.59
16.59
14.64
15.01
14.72
14.11
10
20.76
Return on assets%
11.09
8.80
8.64
10.79
13.72
13.77
16.51
13.79
15.23
13.04
17.34
13.79
13.38
36
6.28
EPS$
10.66
10.20
9.58
9.41
9.36
9.25
8.38
8.35
7.77
7.36
6.72
(4.70%)
(2.42%)
—
7.87
EPS growth%
5.56
2.95
5.71
6.20
6.59
4.91
3.36
5.40
7.99
7.89
12.46
5.40
5.63
70
8.46
Bookvalue per sh$
3.21
3.26
3.46
3.42
4.07
4.90
5.59
5.81
6.13
6.90
5.35
11.16%
8.54%
—
11.73
TBV/sh$
13.38
13.15
11.66
11.11
11.48
9.94
10.02
9.29
8.20
8.87
4.99
(5.02%)
(3.98%)
—
2.39
Dividend per sh$
9.39
8.99
8.48
8.99
8.98
8.73
9.59
10.38
9.22
9.02
12.87
0.09%
0.32%
—
23.81
Div yield (avg)%
35.80
38.29
40.27
40.11
38.89
39.62
40.62
39.50
37.81
35.97
8.37
39.50
39.20
74
20.62
Payout ratio%
32.48
35.02
34.59
34.31
36.08
38.72
36.64
39.31
39.11
38.01
14.62
38.72
36.36
67
71.49
Shares (diluted)M
56.19
60.07
54.32
51.47
47.13
48.78
41.59
41.84
36.93
38.24
70.38
(4.10%)
(3.90%)
85
11.47
Buyback yield%
21.36
20.54
18.11
17.60
20.20
21.40
20.24
17.78
17.79
16.64
28.27
17.79
19.15
39
1.570
D/E ratiox
0.485
0.452
0.487
0.528
0.562
0.583
0.649
0.593
0.534
0.584
1.136
0.584
0.548
17
0.157
Assets$B
12.07
13.22
14.09
14.73
16.04
17.57
18.92
21.39
22.91
24.75
2.450
9.07%
8.32%
89
3.645
LT debt$B
3.458
3.202
3.317
3.681
4.085
4.273
4.034
3.627
3.451
3.778
2.523
(1.55%)
1.63%
15
Revenue
$3.996B
1.00%
1.00×
Claims and benefits
$2.233B
0.78%
0.98×
Total costs
$3.195B
0.98%
1.00×