0.216
Revenue$B
2.353
2.331
2.314
2.318
2.363
2.323
2.383
2.392
2.374
2.407
0.225
0.37%
0.27%
63
5.01
Revenue growth%
28.74
31.38
34.07
34.77
37.21
39.85
42.47
39.86
41.43
44.03
15.47
41.43
38.53
76
12.06
Combined R.%
86.66
88.27
87.86
88.97
88.62
87.55
88.81
87.93
86.02
87.11
27.01
87.55
87.90
85
29.04
Operating margin%
6.95
7.02
9.90
12.44
13.14
13.43
13.80
12.29
12.92
12.34
24.70
12.92
12.39
47
6.04
Net margin%
10.74
9.20
9.85
9.36
9.66
12.42
13.79
14.70
16.07
14.44
6.30
14.44
11.58
51
33.60
P/E ratio (avg)x
47.67
51.26
59.25
59.07
65.33
67.02
77.84
76.07
90.97
107.6
33.37
77.84
66.18
60
16.96
P/TBVx
20.93
19.62
19.66
17.93
19.40
17.88
16.39
17.13
16.14
17.89
27.97
17.13
17.91
7
37.55
P/Bx
29.81
33.61
34.06
34.49
32.04
30.33
28.47
28.01
30.02
33.06
10.12
30.02
31.19
63
22.66
Prem. grth%
2.14
0.48
0.40
0.53
0.40
0.40
0.40
0.74
0.40
0.40
10.73
0.40
0.40
80
4.50
Invest. yld%
19.73
20.00
19.39
16.67
16.41
17.04
19.52
22.27
24.82
25.63
7.11
22.27
19.63
10
28.71
BVPS grth%
4.79
3.14
5.72
2.78
4.80
4.45
1.59
0.82
0.88
3.61
7.38
1.59
3.38
65
5.65
Return on equity%
34.81
37.52
38.15
40.10
40.54
40.96
42.84
41.69
44.49
45.88
3.78
42.84
40.75
60
2.90
Return on assets%
18.87
18.50
19.63
21.86
24.01
26.17
23.72
26.17
24.72
25.08
28.30
25.08
23.87
63
5.62
EPS$
10.62
10.82
12.24
14.42
15.54
17.77
17.56
20.04
19.32
21.08
6.03
6.29%
7.73%
—
5.78
EPS growth%
15.68
18.57
18.74
18.08
15.93
17.39
19.62
19.09
19.84
20.83
10.26
19.62
18.66
19
5.29
Bookvalue per sh$
3.96
4.33
4.14
4.47
4.58
3.98
3.71
3.89
3.70
3.63
5.81
(4.59%)
(1.52%)
—
3.24
TBV/sh$
7.11
7.61
7.75
7.66
8.68
8.38
9.72
11.07
12.19
13.74
4.08
9.63%
7.45%
—
3.36
Dividend per sh$
2.33
2.41
2.13
2.28
2.39
2.43
2.28
2.21
2.34
2.56
3.66
1.37%
0.94%
—
4.72
Div yield (avg)%
15.42
13.22
11.32
9.48
10.29
11.70
9.96
12.62
12.26
11.30
8.16
11.70
11.51
39
25.54
Payout ratio%
14.40
13.85
12.35
9.82
12.61
15.09
13.41
15.07
15.84
15.22
6.42
15.09
14.13
61
355.0
Shares (diluted)M
442.5
430.0
470.5
542.4
610.7
679.0
738.7
714.1
775.0
870.1
362.1
7.34%
6.84%
12
28.98
Buyback yield%
32.15
33.09
33.57
35.90
35.77
37.26
35.08
36.23
34.50
35.80
9.57
35.80
35.42
78
0.602
D/E ratiox
0.683
0.675
0.745
0.835
0.894
0.990
1.104
1.102
1.286
1.347
0.246
1.104
0.942
29
0.129
Assets$B
2.118
2.363
2.505
2.693
2.961
3.227
3.380
3.715
4.189
4.573
0.121
9.08%
8.57%
94
2.356
LT debt$B
0.442
0.433
0.457
0.473
0.524
0.525
0.470
0.444
0.408
0.439
1.289
(3.50%)
0.40%
31
Revenue
$2.407B
0.27%
1.00×
Claims and benefits
$1.276B
0.31%
1.00×
Total costs
$1.932B
0.24%
1.00×
Spread over hurdle
23.49%