0.276
Revenue$B
1.070
1.072
1.115
1.134
1.174
1.218
1.273
1.275
1.329
1.385
0.288
3.37%
2.81%
38
5.04
Revenue growth%
8.08
8.82
8.84
7.14
9.66
10.82
10.26
7.64
6.43
4.69
27.20
7.64
8.45
71
10.99
Combined R.%
86.03
87.03
85.98
85.68
85.98
85.77
86.69
85.57
87.01
86.28
12.12
86.28
86.01
78
21.71
Operating margin%
1.86
4.01
2.47
0.68
0.40
1.24
0.40
0.40
0.40
1.62
26.89
0.40
0.96
33
8.45
Net margin%
22.58
24.47
26.96
29.88
32.05
32.61
32.29
32.77
35.62
38.18
23.60
32.77
32.17
21
26.33
P/E ratio (avg)x
25.48
28.34
30.60
26.88
25.01
26.73
23.39
20.63
22.18
21.78
30.97
22.18
25.25
38
16.71
P/TBVx
12.31
13.43
14.60
14.57
15.13
14.63
14.04
13.82
15.32
15.72
33.10
14.63
14.58
41
25.51
P/Bx
38.02
43.49
48.52
53.45
51.04
48.74
51.27
57.08
57.81
64.28
33.98
57.08
51.15
45
22.67
Prem. grth%
3.70
1.04
2.58
5.26
7.99
5.66
5.68
7.28
9.20
12.00
13.89
7.28
5.67
25
16.80
Invest. yld%
7.95
6.28
8.46
6.25
5.28
4.93
6.80
6.06
8.22
11.07
9.41
6.80
6.54
47
8.22
BVPS grth%
16.61
16.25
15.11
16.96
15.30
15.13
15.30
16.59
18.41
18.94
5.63
16.59
16.42
18
5.93
Return on equity%
11.77
12.19
10.70
13.23
10.68
8.95
10.92
12.18
11.33
13.85
9.48
11.33
11.55
72
14.80
Return on assets%
17.59
17.83
15.44
15.08
12.37
10.07
10.03
12.73
13.85
11.84
28.35
11.84
13.29
84
7.31
EPS$
7.54
7.59
7.24
7.44
7.12
6.70
6.81
6.71
7.52
8.60
7.59
3.83%
1.10%
—
29.77
EPS growth%
32.71
33.12
35.75
35.10
34.12
36.74
35.13
34.13
32.97
30.45
29.31
34.13
34.13
85
12.77
Bookvalue per sh$
4.37
3.83
3.32
3.19
3.27
3.27
2.85
2.76
2.78
2.35
4.88
(6.43%)
(6.30%)
—
7.21
TBV/sh$
7.73
7.12
7.80
7.72
6.92
7.29
6.86
7.48
7.91
7.48
2.77
1.56%
(0.92%)
—
11.91
Dividend per sh$
2.25
2.24
2.09
1.84
1.82
1.60
1.53
1.54
1.63
1.76
6.76
(0.70%)
(2.45%)
—
23.86
Div yield (avg)%
5.12
4.95
2.29
2.74
1.10
3.77
2.00
3.77
2.20
4.78
12.29
3.77
3.26
69
2.55
Payout ratio%
12.73
14.46
17.30
15.94
17.20
19.72
20.06
19.38
20.47
22.07
13.36
20.06
18.34
9
66.65
Shares (diluted)M
55.54
49.28
50.55
55.10
60.69
56.00
55.41
60.56
59.86
56.46
65.33
(1.43%)
(0.28%)
47
20.70
Buyback yield%
8.13
8.43
6.80
7.94
10.45
8.31
11.01
11.95
11.67
9.33
6.47
11.01
8.88
31
0.840
D/E ratiox
1.049
1.053
0.972
1.004
1.084
1.192
1.101
1.179
1.298
1.375
0.863
1.192
1.092
6
1.124
Assets$B
4.332
4.639
4.998
5.230
5.992
6.489
7.239
7.846
8.311
8.830
0.867
8.06%
8.06%
15
0.435
LT debt$B
1.133
1.140
1.204
1.186
1.269
1.455
1.471
1.499
1.730
2.046
0.381
10.02%
6.93%
89
Revenue
$1.385B
2.81%
1.00×
Claims and benefits
$745.7M
2.80%
1.00×
Total costs
$1.089B
2.83%
1.00×