1.198
Revenue$B
2.004
2.148
2.242
2.332
2.403
2.539
2.659
2.865
3.068
3.217
1.314
6.01%
5.29%
58
12.09
Revenue growth%
15.96
13.84
14.62
14.40
12.66
14.16
12.11
13.11
16.04
16.77
23.25
14.16
14.28
95
17.89
Combined R.%
85.16
85.41
86.11
86.21
87.42
86.06
85.07
86.02
85.55
86.34
20.27
86.02
86.04
6
8.05
Operating margin%
20.62
18.84
19.59
18.45
19.24
19.11
16.17
14.57
17.29
14.51
16.43
16.17
18.65
67
28.63
Net margin%
13.37
15.54
15.96
15.78
16.86
15.46
15.08
14.71
16.13
16.64
15.49
15.46
15.66
53
33.77
P/E ratio (avg)x
9.430
9.171
9.666
10.49
10.41
10.80
10.03
10.32
10.27
8.944
15.87
10.27
10.15
44
32.33
P/TBVx
16.32
17.22
19.39
20.82
22.28
24.80
25.01
24.75
29.28
32.30
27.95
25.01
23.51
85
20.14
P/Bx
16.44
16.64
16.58
16.03
15.77
13.88
13.54
12.79
11.71
11.12
37.79
12.79
14.82
18
12.73
Prem. grth%
2.77
1.14
0.40
0.40
0.40
2.85
3.97
6.52
3.53
1.69
6.68
3.53
2.23
94
25.01
Invest. yld%
10.77
8.65
9.66
7.77
6.08
8.50
8.72
10.79
9.52
11.03
15.78
9.52
9.12
69
14.24
BVPS grth%
11.33
9.49
11.92
12.58
13.57
15.38
17.58
16.27
16.48
15.33
28.67
16.27
14.45
57
3.53
Return on equity%
7.07
5.72
4.00
3.99
6.34
7.05
4.65
7.13
8.67
7.34
10.17
7.13
6.70
75
26.03
Return on assets%
12.26
11.92
13.38
11.37
9.89
11.88
14.19
16.04
16.77
14.63
19.87
14.63
12.82
49
6.08
EPS$
6.34
6.95
7.42
8.35
8.32
9.62
8.96
9.43
10.92
10.12
6.77
4.01%
4.14%
—
17.62
EPS growth%
19.58
21.01
23.10
24.17
22.06
21.08
18.14
18.51
15.85
12.92
11.47
18.14
20.29
78
10.03
Bookvalue per sh$
18.35
18.60
17.74
18.57
17.37
16.28
18.49
17.63
16.57
16.46
14.15
(1.07%)
(0.20%)
—
6.50
TBV/sh$
16.08
18.74
20.14
23.08
27.45
32.46
37.89
42.48
42.86
43.77
4.38
9.78%
11.87%
—
3.49
Dividend per sh$
16.20
15.81
15.69
15.48
15.31
16.37
15.20
16.59
15.48
15.96
10.38
0.84%
0.13%
—
10.55
Div yield (avg)%
14.98
17.02
17.19
15.98
16.94
15.02
15.32
16.48
16.00
13.19
5.30
15.32
15.99
58
18.36
Payout ratio%
29.33
32.03
30.99
32.10
32.18
30.33
29.68
31.86
33.42
33.95
23.77
31.86
31.94
42
74.43
Shares (diluted)M
112.3
120.7
138.5
148.8
160.8
176.3
205.9
215.7
220.4
258.7
73.96
9.97%
9.28%
27
9.19
Buyback yield%
6.59
3.78
5.82
6.81
7.63
5.62
5.23
6.28
6.01
3.59
15.49
5.62
5.92
32
1.611
D/E ratiox
0.724
0.842
0.962
1.080
1.147
1.356
1.393
1.425
1.463
1.706
0.994
1.425
1.251
49
1.059
Assets$B
1.587
1.703
1.910
2.003
2.264
2.494
2.659
2.904
3.124
3.381
2.369
8.35%
8.48%
93
2.352
LT debt$B
0.411
0.424
0.489
0.477
0.466
0.437
0.431
0.469
0.529
0.491
3.184
1.04%
3.19%
15
Revenue
$3.217B
5.29%
1.00×
Claims and benefits
$1.964B
5.44%
1.01×
Total costs
$2.524B
5.57%
1.03×