0.153
Revenue$B
0.826
0.889
0.930
0.961
1.011
1.065
1.120
1.167
1.224
1.266
0.170
4.60%
5.11%
75
26.78
Revenue growth%
7.04
4.88
7.28
5.15
3.06
3.63
3.51
6.00
7.38
6.77
18.48
6.00
5.58
78
25.65
Combined R.%
84.54
84.08
83.85
86.01
85.47
83.84
84.67
85.32
85.50
85.65
15.95
85.32
85.00
91
8.10
Operating margin%
23.79
24.16
26.70
26.14
25.31
27.44
25.04
27.37
26.33
27.36
19.32
27.36
26.24
60
18.10
Net margin%
7.47
6.25
6.32
9.05
9.59
9.00
8.98
7.75
7.01
7.87
29.97
7.87
7.81
29
16.87
P/E ratio (avg)x
41.69
42.10
48.62
45.27
49.37
51.96
54.34
63.35
73.15
70.62
7.905
63.35
50.67
17
27.48
P/TBVx
34.27
30.31
28.38
31.57
32.06
32.95
35.70
38.97
41.85
40.74
18.86
38.97
33.61
6
23.31
P/Bx
35.91
34.48
31.66
33.89
33.94
37.11
40.81
40.54
38.53
34.17
37.53
38.53
35.19
21
6.31
Prem. grth%
24.30
24.41
25.76
25.19
27.36
25.39
24.51
22.88
24.45
24.59
22.62
24.51
24.55
82
20.57
Invest. yld%
7.50
8.16
7.08
8.09
5.54
3.14
3.17
5.32
2.67
4.57
26.24
3.17
5.43
79
18.90
BVPS grth%
23.52
26.03
28.40
25.64
25.29
24.23
25.56
25.13
24.57
23.33
8.09
24.57
25.21
29
14.11
Return on equity%
13.92
13.90
13.89
14.30
16.06
17.21
19.47
19.28
18.61
18.96
6.92
18.96
16.64
89
10.33
Return on assets%
26.96
24.06
21.65
20.01
21.95
20.10
21.08
19.27
18.22
19.66
22.28
19.66
20.59
68
9.23
EPS$
18.91
17.25
19.04
20.04
22.06
22.82
21.15
21.41
19.81
19.53
9.88
(2.41%)
1.42%
—
23.18
EPS growth%
31.29
29.63
30.55
27.97
29.76
32.22
30.92
33.30
32.60
33.08
2.84
32.60
31.10
11
15.67
Bookvalue per sh$
5.14
4.74
4.56
4.64
4.87
5.12
5.35
5.29
5.13
4.57
7.88
(1.23%)
(2.33%)
—
3.52
TBV/sh$
10.16
11.13
11.93
13.00
12.15
12.53
13.15
15.15
17.12
17.37
3.11
7.41%
5.40%
—
7.83
Dividend per sh$
14.19
16.30
16.95
18.91
22.48
23.96
23.37
25.91
29.46
32.81
13.47
7.85%
8.62%
—
13.92
Div yield (avg)%
20.45
19.05
18.78
18.99
18.26
16.85
16.66
18.48
18.67
20.25
7.29
18.48
18.73
69
29.64
Payout ratio%
5.27
3.92
5.55
7.63
8.74
5.89
7.10
4.45
4.63
5.92
29.55
5.89
5.72
40
101.1
Shares (diluted)M
126.4
147.9
167.9
173.9
186.9
198.7
195.4
228.4
265.3
278.7
101.3
8.32%
9.23%
26
29.53
Buyback yield%
0.40
0.40
1.81
3.24
2.70
4.16
6.57
3.81
4.38
1.44
27.51
4.16
2.97
85
1.228
D/E ratiox
1.189
1.148
1.124
1.085
0.940
1.003
0.953
0.817
0.738
0.786
0.243
0.817
0.978
7
1.259
Assets$B
1.874
2.037
2.218
2.433
2.672
2.913
3.084
3.328
3.567
3.823
0.436
7.43%
8.37%
75
1.306
LT debt$B
0.943
1.026
0.892
0.947
1.005
0.967
0.983
1.087
1.089
1.199
1.123
3.60%
1.69%
24
Revenue
$1.266B
5.11%
1.00×
Claims and benefits
$655.6M
5.23%
1.01×
Total costs
$1.005B
5.39%
1.03×
Spread over hurdle
11.44%