1.553
Revenue$B
5.408
5.648
5.780
5.985
6.275
6.581
6.728
7.022
7.080
7.317
1.709
3.12%
3.34%
84
5.37
Revenue growth%
27.34
24.73
23.24
20.26
19.54
22.48
24.27
25.69
23.81
25.28
19.77
24.27
24.04
78
3.69
Combined R.%
87.52
88.43
85.55
87.32
86.47
87.10
87.44
87.30
86.98
87.04
9.43
87.10
87.20
25
22.74
Operating margin%
14.76
16.02
14.22
11.70
14.27
11.28
10.93
11.62
9.57
9.04
5.98
10.93
11.66
6
6.90
Net margin%
12.09
9.59
9.95
12.77
15.59
13.17
14.97
13.47
15.45
14.15
6.51
14.15
13.32
29
14.17
P/E ratio (avg)x
27.27
27.62
29.01
32.96
36.72
40.11
40.51
47.75
47.21
48.69
12.00
47.21
38.41
10
27.39
P/TBVx
20.52
19.08
18.71
21.26
21.44
21.99
20.23
20.16
23.09
24.89
20.70
21.99
20.89
60
21.30
P/Bx
12.93
12.41
13.61
14.83
16.37
14.65
15.09
14.62
14.52
14.21
19.37
14.62
14.57
30
28.85
Prem. grth%
19.79
19.87
19.57
20.08
20.70
18.69
18.15
19.65
17.07
14.10
6.76
18.15
19.61
85
17.25
Invest. yld%
33.41
34.25
32.37
33.53
36.29
36.64
36.46
34.11
37.10
39.90
26.67
36.64
35.27
47
6.37
BVPS grth%
14.09
12.67
14.91
13.16
15.09
17.74
18.20
16.31
13.89
12.68
8.33
16.31
14.50
78
23.22
Return on equity%
9.17
10.47
7.79
9.69
11.53
12.06
14.46
13.04
12.88
14.05
16.63
13.04
11.79
39
18.25
Return on assets%
23.79
23.82
26.78
27.69
30.57
27.80
28.41
27.34
25.53
27.75
6.99
27.75
27.52
19
3.44
EPS$
4.12
3.85
4.05
3.78
4.26
3.95
4.14
4.38
5.02
5.44
3.62
5.03%
3.68%
—
18.32
EPS growth%
28.97
29.10
31.91
34.45
33.50
31.87
30.32
29.82
31.81
32.10
5.50
31.81
31.84
5
8.95
Bookvalue per sh$
4.36
4.77
4.68
4.76
4.46
4.49
4.60
4.62
4.32
4.53
10.90
0.30%
0.50%
—
12.94
TBV/sh$
3.37
3.45
3.72
3.77
3.56
3.39
3.44
3.40
3.64
3.32
8.25
(1.39%)
(0.41%)
—
3.05
Dividend per sh$
7.45
8.15
9.11
9.60
10.69
11.50
12.81
14.06
16.58
18.76
7.71
11.92%
10.76%
—
24.61
Div yield (avg)%
8.69
7.63
10.48
10.35
11.20
8.22
8.25
9.96
11.56
9.96
20.49
9.96
9.96
53
14.26
Payout ratio%
0.40
0.42
0.40
2.50
2.65
1.88
0.40
2.69
5.13
6.86
14.85
2.69
2.19
10
268.5
Shares (diluted)M
179.8
177.7
170.9
170.6
165.8
141.2
147.1
127.5
120.5
128.0
260.1
(5.03%)
(4.79%)
34
19.81
Buyback yield%
14.44
16.83
17.39
18.74
16.36
15.10
12.59
14.35
14.30
12.40
12.39
14.30
14.77
48
0.858
D/E ratiox
0.641
0.608
0.594
0.541
0.602
0.610
0.582
0.530
0.512
0.550
0.645
0.550
0.588
68
3.781
Assets$B
18.02
19.41
21.44
22.78
24.82
27.27
28.61
31.09
34.20
35.51
7.606
7.43%
8.31%
89
3.671
LT debt$B
4.804
4.760
5.165
4.901
4.536
4.362
4.433
4.205
4.184
4.369
6.538
(0.75%)
(1.66%)
60
Revenue
$7.317B
3.34%
1.00×
Claims and benefits
$4.049B
3.21%
0.99×
Total costs
$5.805B
3.29%
1.00×