0.472
Revenue$B
0.564
0.613
0.674
0.743
0.806
0.890
0.974
1.042
1.143
1.220
0.524
8.65%
8.87%
46
4.32
Revenue growth%
22.34
19.72
17.24
18.60
15.86
12.89
11.54
12.33
14.13
13.13
22.26
12.89
15.00
28
26.13
Combined R.%
88.26
88.41
89.25
87.53
88.87
89.12
88.64
89.19
90.09
87.90
11.91
89.12
88.76
32
10.45
Operating margin%
21.18
21.64
23.59
26.10
23.90
22.05
24.11
21.15
19.78
18.19
28.35
21.15
21.85
78
10.11
Net margin%
8.11
7.77
10.74
13.07
14.23
13.16
15.62
18.21
19.63
18.40
15.81
18.21
13.70
92
20.43
P/E ratio (avg)x
6.975
6.359
6.960
7.251
8.153
8.624
7.926
8.573
8.441
9.068
26.09
8.573
8.039
63
29.72
P/TBVx
23.43
26.47
26.07
23.91
22.30
20.92
23.39
25.63
23.32
25.17
37.89
23.39
23.67
57
14.59
P/Bx
41.87
50.17
50.40
58.34
61.44
68.56
79.50
78.38
94.45
95.49
13.87
79.50
65.00
44
13.28
Prem. grth%
23.10
25.96
27.25
24.93
27.30
25.15
26.41
24.12
26.03
27.61
20.86
26.03
25.99
82
7.29
Invest. yld%
7.45
6.60
3.75
6.42
7.66
7.86
5.27
6.61
9.24
8.45
23.89
7.86
7.03
57
25.99
BVPS grth%
14.08
15.55
15.87
17.86
17.47
19.53
20.71
19.01
17.99
19.96
29.46
19.53
17.93
56
7.10
Return on equity%
29.74
32.14
29.37
29.31
31.62
32.04
34.35
37.33
37.77
39.26
13.51
37.33
32.09
74
25.56
Return on assets%
13.96
15.86
15.34
16.25
13.89
11.56
14.00
14.23
12.80
12.76
23.60
12.80
13.98
81
1.31
EPS$
3.67
3.26
3.50
3.88
3.95
4.05
4.20
3.74
3.35
3.04
1.37
(5.09%)
(1.47%)
—
27.05
EPS growth%
9.64
11.99
14.79
12.91
12.31
13.26
15.66
13.92
10.92
13.57
4.96
13.57
13.09
79
4.78
Bookvalue per sh$
5.03
5.34
5.48
5.34
5.28
5.19
5.01
5.38
5.95
6.38
3.99
3.87%
2.40%
—
2.68
TBV/sh$
7.14
7.84
8.37
8.16
8.55
8.36
9.76
9.50
10.65
10.50
4.95
4.18%
5.54%
—
5.65
Dividend per sh$
3.23
3.16
3.13
2.77
2.71
2.80
2.85
2.56
2.52
2.36
4.21
(2.78%)
(4.39%)
—
19.04
Div yield (avg)%
9.72
10.18
10.39
11.31
13.22
15.56
15.97
13.69
16.64
18.35
7.59
15.97
13.45
18
15.24
Payout ratio%
5.19
5.96
4.15
2.02
1.01
1.66
0.72
0.40
0.82
0.40
13.73
0.72
1.33
11
91.15
Shares (diluted)M
120.1
125.8
150.1
152.6
159.6
177.3
186.8
187.7
216.1
229.4
93.26
7.53%
6.50%
50
3.44
Buyback yield%
27.13
25.32
24.93
26.08
28.64
31.06
33.58
33.78
34.50
37.01
14.13
33.78
29.85
57
0.926
D/E ratiox
1.436
1.667
1.861
1.998
2.145
2.212
2.412
2.735
3.140
3.311
1.512
2.735
2.179
51
0.387
Assets$B
4.356
4.594
5.104
5.499
5.958
6.680
7.469
7.748
8.151
8.978
0.719
8.55%
8.40%
77
0.401
LT debt$B
1.937
2.272
2.622
2.671
2.896
3.399
3.343
3.766
4.201
4.178
1.137
7.61%
9.67%
36
Revenue
$1.220B
8.87%
1.00×
Claims and benefits
$635.9M
8.87%
1.00×
Total costs
$988.7M
8.81%
0.99×