0.154
Revenue$B
1.402
1.450
1.514
1.588
1.647
1.663
1.728
1.776
1.798
1.858
0.164
2.45%
3.19%
23
29.57
Revenue growth%
5.74
7.55
7.34
6.41
8.71
6.57
3.95
4.91
5.74
5.00
23.35
5.00
6.08
59
12.11
Combined R.%
85.96
84.64
85.97
85.30
86.36
85.71
84.06
85.36
85.95
85.62
3.30
85.62
85.66
34
12.25
Operating margin%
17.15
16.36
16.04
16.63
14.11
12.81
13.78
11.49
9.72
10.67
26.38
11.49
13.95
50
6.48
Net margin%
6.52
8.32
9.73
11.86
12.13
10.15
7.76
10.02
11.06
12.26
13.31
10.15
10.09
67
15.08
P/E ratio (avg)x
24.71
26.04
28.71
30.63
32.94
34.94
33.84
32.33
29.81
33.26
32.66
33.26
31.48
92
13.43
P/TBVx
63.73
71.15
74.05
76.11
86.13
87.99
93.86
110.1
123.6
130.2
33.47
110.1
87.06
61
13.98
P/Bx
23.28
25.96
25.72
22.88
20.31
19.72
22.03
19.52
19.12
19.02
35.58
19.52
21.17
79
13.48
Prem. grth%
6.98
9.25
8.86
10.51
10.33
8.99
11.76
9.91
8.75
7.95
19.20
8.99
9.12
44
7.63
Invest. yld%
13.50
13.89
16.20
17.31
18.18
18.93
21.35
20.55
20.73
22.61
22.48
20.73
18.55
15
4.81
BVPS grth%
16.77
19.39
20.40
19.85
21.41
20.92
22.19
22.25
23.29
20.41
29.54
22.19
20.67
11
25.24
Return on equity%
0.40
2.85
3.02
3.72
1.20
3.20
1.06
3.63
1.33
2.20
19.21
2.20
2.53
75
19.89
Return on assets%
15.00
15.15
14.97
12.00
10.59
10.29
13.09
11.67
8.86
8.27
19.54
10.29
11.84
70
1.83
EPS$
4.45
4.89
4.56
4.54
4.97
5.59
5.71
6.24
5.73
6.03
1.96
3.97%
2.32%
—
4.06
EPS growth%
28.03
27.77
25.29
26.64
28.85
27.44
26.88
25.31
22.60
22.58
23.98
25.31
26.76
49
4.84
Bookvalue per sh$
2.55
2.56
2.98
3.23
3.78
3.69
4.20
4.13
4.70
4.70
2.25
4.43%
8.01%
—
1.27
TBV/sh$
2.77
2.74
2.57
2.37
2.53
2.61
2.73
2.95
3.20
3.14
0.75
4.45%
0.29%
—
1.38
Dividend per sh$
4.82
4.73
5.30
5.08
5.11
4.68
5.25
5.06
4.79
5.52
5.43
1.56%
2.56%
—
29.71
Div yield (avg)%
7.36
9.83
7.54
9.74
10.05
11.37
13.39
11.15
9.97
7.13
10.38
11.15
9.90
22
22.82
Payout ratio%
14.14
15.91
16.00
18.28
17.78
15.96
13.82
13.23
11.10
11.57
15.63
13.23
15.02
61
101.0
Shares (diluted)M
149.5
169.6
172.9
179.7
176.2
203.1
240.7
238.7
270.4
263.5
95.58
8.38%
7.59%
10
16.53
Buyback yield%
32.05
30.42
31.37
32.98
30.67
32.34
32.36
32.12
32.26
30.64
29.78
32.26
32.09
63
0.920
D/E ratiox
0.763
0.781
0.703
0.674
0.602
0.535
0.493
0.497
0.516
0.456
1.372
0.497
0.568
84
1.638
Assets$B
2.355
2.533
2.667
2.933
3.164
3.466
3.862
4.283
4.492
4.878
1.537
9.05%
8.74%
70
1,478
LT debt$M
194.7
214.0
216.5
246.3
269.5
303.7
357.3
408.9
471.1
483.9
416.6
12.42%
9.02%
71
Revenue
$1.858B
3.19%
1.00×
Claims and benefits
$1.026B
3.23%
1.00×
Total costs
$1.466B
3.12%
0.99×
Spread over hurdle
18.36%