0.636
Revenue$B
0.873
0.884
0.919
0.956
0.973
0.987
1.023
1.047
1.076
1.090
0.708
2.30%
2.45%
94
11.19
Revenue growth%
8.34
8.69
11.25
13.80
16.74
15.75
16.43
14.91
17.59
18.73
19.58
16.43
15.33
59
20.56
Combined R.%
85.29
85.62
83.45
85.55
85.01
84.98
85.94
83.66
84.94
84.16
17.65
84.94
84.99
70
15.15
Operating margin%
31.11
33.75
32.38
33.91
32.75
35.66
33.25
31.99
29.11
32.00
9.32
32.00
32.56
49
28.49
Net margin%
13.31
11.14
13.67
15.52
14.57
14.21
12.18
11.64
10.15
12.16
8.64
12.16
12.74
34
18.36
P/E ratio (avg)x
39.21
34.57
34.70
34.21
29.94
31.95
32.32
31.90
28.61
26.15
30.95
31.90
32.14
81
11.99
P/TBVx
32.80
36.72
40.01
41.03
45.91
50.48
48.64
48.75
47.48
53.06
35.07
48.75
46.70
9
12.51
P/Bx
9.466
8.911
9.926
11.53
10.85
12.03
13.33
13.13
14.24
13.78
18.12
13.33
11.78
65
21.20
Prem. grth%
31.76
33.38
35.31
32.44
30.11
29.34
29.17
31.20
32.59
32.55
5.13
31.20
32.10
36
25.78
Invest. yld%
15.23
13.48
12.72
13.75
12.64
12.02
10.36
11.80
9.88
7.91
19.87
10.36
12.33
85
27.03
BVPS grth%
24.36
25.92
26.03
24.95
23.35
26.23
28.10
28.24
25.36
24.50
24.44
26.23
25.64
51
19.61
Return on equity%
8.47
10.90
13.41
12.50
12.01
10.62
11.86
14.31
15.99
14.82
17.30
14.31
12.26
10
29.38
Return on assets%
17.23
17.83
17.63
17.09
15.46
16.24
15.39
13.20
13.93
15.13
16.21
15.13
15.85
28
2.17
EPS$
0.69
0.75
0.85
0.98
1.08
1.06
1.07
1.06
1.03
1.03
2.28
(1.08%)
5.50%
—
21.45
EPS growth%
12.60
11.17
9.20
10.17
9.66
7.42
9.97
9.30
11.05
11.87
6.86
9.97
10.07
65
1.54
Bookvalue per sh$
0.78
0.82
0.77
0.71
0.73
0.73
0.63
0.60
0.63
0.56
2.75
(5.05%)
(2.71%)
—
2.48
TBV/sh$
2.65
2.99
3.06
3.12
2.97
3.36
3.52
3.82
4.16
4.19
0.73
7.14%
4.40%
—
1.28
Dividend per sh$
0.63
0.72
0.75
0.86
0.87
0.99
0.98
1.15
1.19
1.39
1.43
9.89%
9.34%
—
8.48
Div yield (avg)%
16.53
14.85
11.88
10.06
12.08
12.18
13.47
11.81
10.52
10.49
4.48
11.81
11.98
90
25.40
Payout ratio%
21.75
21.56
21.05
22.02
23.00
22.64
24.50
25.38
23.89
23.79
20.74
23.89
22.82
48
353.9
Shares (diluted)M
342.2
332.6
346.8
349.7
379.4
330.5
315.8
339.2
294.5
253.1
345.9
(7.78%)
(3.21%)
12
20.92
Buyback yield%
16.46
15.68
13.80
12.04
11.07
11.46
13.67
13.46
15.40
13.40
27.60
13.46
13.57
35
0.280
D/E ratiox
1.515
1.473
1.524
1.717
1.890
2.223
2.470
2.652
2.855
3.201
1.456
2.652
2.056
40
0.932
Assets$B
3.018
3.280
3.517
3.771
4.074
4.309
4.801
5.085
5.416
6.014
0.821
8.10%
8.32%
29
924.5
LT debt$M
203.8
197.4
186.5
192.3
174.9
178.6
187.6
203.2
208.8
198.3
491.3
2.55%
(1.23%)
42
Revenue
$1.090B
2.45%
1.00×
Claims and benefits
$554.8M
2.54%
1.01×
Total costs
$849.3M
2.47%
1.00×