0.594
Revenue$B
1.176
1.160
1.170
1.167
1.177
1.189
1.205
1.196
1.220
1.249
0.608
1.20%
0.56%
92
2.33
Revenue growth%
22.22
19.74
20.99
19.84
20.72
17.79
17.09
14.94
12.02
10.56
6.51
14.94
18.76
83
18.74
Combined R.%
88.94
89.36
89.30
90.02
88.07
90.18
90.16
88.71
91.22
87.92
28.35
90.16
89.33
56
14.88
Operating margin%
7.82
9.33
11.36
14.15
12.19
12.24
14.46
15.69
18.57
19.90
8.55
15.69
13.19
31
29.78
Net margin%
26.27
27.09
25.33
27.21
29.46
29.53
31.21
33.04
35.96
33.71
7.15
33.04
29.50
11
28.42
P/E ratio (avg)x
36.62
36.95
39.24
38.78
42.89
42.75
48.35
49.27
55.33
62.67
24.89
49.27
42.82
23
18.11
P/TBVx
28.43
26.48
25.78
24.35
24.89
25.59
25.49
28.44
31.83
29.92
17.73
28.44
26.13
13
18.56
P/Bx
14.01
16.68
18.36
18.37
18.38
19.41
21.81
24.05
24.38
25.87
35.37
24.05
18.90
51
26.36
Prem. grth%
5.55
5.48
3.08
1.08
3.49
3.60
6.13
3.73
5.55
6.99
26.68
5.55
4.61
90
23.35
Invest. yld%
13.08
14.63
11.77
11.21
10.94
12.28
9.52
7.40
9.55
7.73
14.83
9.52
11.07
23
24.90
BVPS grth%
31.75
29.51
31.14
32.85
34.90
33.07
35.54
35.12
36.70
36.42
22.22
35.54
33.98
78
17.16
Return on equity%
16.01
13.52
10.81
10.81
10.77
13.70
14.84
17.00
15.82
16.83
17.93
15.82
14.27
79
25.10
Return on assets%
3.85
5.95
7.14
4.92
5.63
7.64
10.42
12.04
14.85
12.13
27.08
12.04
7.39
92
6.07
EPS$
6.67
6.99
6.98
6.79
7.56
8.40
7.56
7.72
7.81
8.44
6.61
2.23%
3.10%
—
28.35
EPS growth%
20.76
23.12
22.72
22.28
23.86
22.66
25.23
27.86
30.58
29.47
16.61
27.86
23.49
15
8.25
Bookvalue per sh$
7.07
6.25
5.87
6.09
5.90
5.49
5.08
4.46
4.17
3.68
2.69
(9.01%)
(7.11%)
—
6.97
TBV/sh$
7.42
8.22
8.56
8.90
8.63
8.27
9.26
10.11
9.65
10.13
7.93
3.25%
2.22%
—
7.58
Dividend per sh$
5.85
6.34
7.06
7.74
8.53
9.04
8.76
9.66
10.80
11.35
6.89
5.87%
8.82%
—
17.48
Div yield (avg)%
0.40
1.16
4.01
2.45
3.53
4.66
5.96
3.22
0.40
0.58
7.29
3.22
2.83
73
22.54
Payout ratio%
19.89
19.48
16.72
18.49
19.77
18.92
16.69
16.93
14.73
15.14
5.74
16.69
17.71
78
87.14
Shares (diluted)M
72.98
73.54
76.54
79.93
85.11
78.30
79.21
86.29
77.26
83.29
88.26
(0.43%)
1.07%
72
18.96
Buyback yield%
26.52
23.84
23.07
20.91
18.98
19.23
19.22
17.36
16.11
17.78
19.94
17.78
19.23
23
0.771
D/E ratiox
2.037
2.034
2.250
2.399
2.824
2.720
2.844
3.083
2.952
3.480
0.507
2.952
2.772
72
0.105
Assets$B
3.573
3.888
4.236
4.638
4.909
5.176
5.670
6.101
6.639
7.354
0.976
8.42%
8.21%
18
0.555
LT debt$B
1.297
1.505
1.675
1.906
2.152
2.122
2.418
2.562
2.519
2.924
0.213
6.32%
9.91%
53
Revenue
$1.249B
0.56%
1.00×
Claims and benefits
$726.4M
0.65%
1.01×
Total costs
$1.011B
0.35%
0.98×