0.659
Revenue$B
1.003
1.053
1.072
1.133
1.156
1.201
1.231
1.257
1.313
1.364
0.730
3.37%
3.44%
38
11.51
Revenue growth%
35.63
35.71
32.82
32.39
33.80
33.81
32.24
30.62
28.21
28.80
7.81
30.62
32.61
43
6.93
Combined R.%
95.19
93.66
97.11
95.41
95.83
94.94
94.66
94.76
94.65
96.16
24.24
94.76
95.06
29
13.68
Operating margin%
29.34
28.22
25.32
27.07
26.48
27.11
27.69
29.41
30.97
31.14
10.00
29.41
27.95
31
25.12
Net margin%
18.62
16.24
15.11
12.73
14.63
17.10
19.78
20.74
23.73
24.64
22.89
20.74
17.86
83
18.64
P/E ratio (avg)x
37.23
44.57
49.85
48.18
51.74
60.67
64.85
66.40
70.84
78.55
9.295
66.40
56.20
55
17.48
P/TBVx
22.71
22.87
26.10
28.10
30.84
32.45
38.99
44.16
52.36
60.02
9.220
44.16
31.65
92
20.69
P/Bx
15.02
16.60
17.56
18.32
18.30
20.37
23.22
24.29
24.20
28.46
17.85
24.20
19.35
10
7.00
Prem. grth%
10.38
11.97
13.26
16.02
16.02
18.97
16.78
17.24
20.11
17.51
4.51
17.51
16.40
58
11.06
Invest. yld%
3.76
2.69
0.40
0.91
0.40
0.40
2.12
4.00
1.28
0.40
8.78
1.28
1.09
89
15.68
BVPS grth%
30.63
32.37
33.41
34.07
33.65
31.33
32.33
35.22
37.23
37.35
8.49
35.22
33.53
57
10.61
Return on equity%
9.42
6.69
5.88
5.40
7.53
6.33
7.71
8.19
9.75
8.51
15.75
8.19
7.62
13
19.10
Return on assets%
17.22
18.04
16.62
15.60
17.37
16.42
18.96
21.67
21.16
22.48
21.79
21.16
17.70
77
14.85
EPS$
8.44
9.39
10.12
10.91
11.06
10.29
11.60
11.20
11.11
11.81
15.39
1.32%
4.21%
—
29.06
EPS growth%
7.96
5.72
6.90
8.45
6.25
6.80
7.04
7.02
6.21
6.47
5.75
6.80
6.85
90
32.89
Bookvalue per sh$
16.27
19.18
22.84
22.47
23.31
22.97
22.55
26.82
31.39
36.59
23.45
9.44%
9.20%
—
22.85
TBV/sh$
26.21
22.68
22.81
21.82
19.24
17.49
17.38
17.17
14.59
13.70
34.46
(6.57%)
(6.59%)
—
6.26
Dividend per sh$
20.92
23.14
22.64
21.93
24.67
23.99
23.30
21.15
19.52
18.96
29.14
(5.12%)
(0.70%)
—
5.02
Div yield (avg)%
18.97
21.39
22.02
21.95
22.06
24.99
23.48
23.47
21.94
21.11
3.76
23.47
21.98
71
6.96
Payout ratio%
13.75
14.99
15.53
15.59
14.10
11.76
10.29
10.76
9.25
10.46
16.69
10.46
12.76
43
22.28
Shares (diluted)M
20.34
22.22
22.31
20.26
20.93
19.65
20.38
19.41
18.95
19.59
22.07
(1.32%)
0.47%
56
17.98
Buyback yield%
1.76
0.95
3.86
2.71
5.61
7.41
7.17
4.32
6.06
4.37
28.02
6.06
4.34
86
1.123
D/E ratiox
1.007
1.027
0.949
0.929
0.939
1.055
1.207
1.320
1.263
1.149
1.219
1.207
1.041
83
1.459
Assets$B
4.084
4.429
4.815
5.410
5.963
6.603
7.027
7.494
8.376
9.216
1.445
9.10%
9.57%
80
1.222
LT debt$B
0.679
0.699
0.658
0.613
0.674
0.704
0.638
0.617
0.558
0.623
1.112
(1.56%)
(0.96%)
44
Revenue
$1.364B
3.44%
1.00×
Claims and benefits
$807.5M
3.72%
1.03×
Total costs
$1.201B
3.65%
1.02×