0.361
Revenue$B
3.034
3.230
3.444
3.785
4.141
4.458
4.783
5.169
5.527
5.930
0.382
7.45%
7.84%
18
2.31
Revenue growth%
21.04
21.38
20.02
18.89
20.45
20.27
22.39
22.90
23.57
25.30
26.99
22.90
21.21
74
18.51
Combined R.%
78.68
77.60
79.19
79.81
78.48
79.32
77.87
79.01
77.70
79.20
20.95
79.01
78.84
36
28.58
Operating margin%
7.84
8.91
10.30
9.45
6.78
6.48
4.19
4.63
5.54
7.28
24.60
5.54
7.03
14
9.58
Net margin%
23.98
25.08
27.77
28.11
25.43
27.98
30.52
31.17
33.89
35.11
9.63
31.17
28.04
48
20.76
P/E ratio (avg)x
34.93
34.84
34.20
35.30
39.60
41.79
44.56
44.49
51.88
50.74
28.60
44.56
40.69
54
26.19
P/TBVx
16.77
14.65
13.67
11.91
11.59
11.10
11.89
11.08
11.43
12.10
11.22
11.43
11.90
51
34.18
P/Bx
7.443
7.594
6.993
7.087
7.431
7.045
7.462
7.721
8.002
8.492
30.08
7.721
7.452
56
5.41
Prem. grth%
19.00
20.71
22.27
23.33
23.65
21.21
21.51
19.68
18.80
15.87
14.72
19.68
20.96
57
20.50
Invest. yld%
3.16
1.32
0.40
0.40
0.40
2.33
1.70
0.40
0.40
3.25
28.83
1.70
0.86
26
21.13
BVPS grth%
23.20
25.08
26.02
23.97
24.20
26.79
27.37
26.22
26.18
26.10
8.75
26.22
26.06
53
25.24
Return on equity%
18.54
15.71
18.39
15.68
17.27
19.68
21.31
18.91
18.15
16.65
18.83
18.91
18.27
84
9.14
Return on assets%
21.14
21.87
20.95
21.07
22.09
20.69
21.70
23.41
21.72
18.90
25.30
21.70
21.42
6
5.18
EPS$
10.02
10.31
9.02
9.61
9.42
9.55
10.34
11.19
10.52
9.76
5.45
0.72%
0.11%
—
12.38
EPS growth%
17.91
18.12
18.82
17.83
16.66
16.08
14.15
11.29
10.01
7.54
25.51
11.29
16.37
90
4.50
Bookvalue per sh$
7.61
8.08
8.54
9.00
10.90
11.80
12.31
13.48
15.19
14.96
6.00
6.54%
8.49%
—
7.72
TBV/sh$
8.67
7.94
8.20
8.75
8.19
7.89
7.79
7.63
8.60
8.82
8.44
1.51%
1.56%
—
7.65
Dividend per sh$
2.69
2.58
2.72
2.59
2.83
3.09
3.16
3.46
3.40
3.12
7.69
1.99%
2.39%
—
27.27
Div yield (avg)%
6.54
7.32
4.52
1.75
2.87
3.84
2.23
3.28
3.50
4.21
23.15
3.50
3.67
57
11.69
Payout ratio%
23.36
21.19
19.91
21.29
20.91
19.67
21.95
19.05
21.81
18.95
8.78
19.67
21.05
86
277.2
Shares (diluted)M
317.4
331.4
369.1
358.1
343.9
331.3
337.6
349.3
344.8
363.0
273.8
1.09%
1.54%
14
4.90
Buyback yield%
18.34
17.08
15.45
15.74
16.29
14.21
14.65
13.68
15.04
16.10
5.66
14.65
15.60
58
0.106
D/E ratiox
2.060
2.293
2.346
2.436
2.543
2.978
3.171
3.821
4.598
4.652
0.721
3.821
2.761
35
2.388
Assets$B
19.40
20.17
22.67
25.25
26.42
29.94
33.00
36.41
39.53
44.45
0.898
10.97%
9.66%
18
5.244
LT debt$B
1.678
1.636
1.396
1.344
1.298
1.112
0.995
0.909
0.825
0.723
1.552
(11.05%)
(9.42%)
26
Revenue
$5.930B
7.84%
1.00×
Claims and benefits
$3.112B
7.93%
1.01×
Total costs
$4.305B
7.91%
1.01×