3.462
Revenue$B
2.358
2.552
2.758
2.985
3.284
3.598
3.857
4.187
4.565
4.993
3.555
8.75%
8.66%
8
11.25
Revenue growth%
9.13
12.07
13.97
12.68
10.17
8.81
7.09
4.94
2.71
0.40
11.97
4.94
8.97
65
18.71
Combined R.%
88.44
87.44
87.58
88.15
85.96
88.05
88.39
87.61
88.99
85.72
26.67
88.05
87.83
85
18.12
Operating margin%
20.39
22.51
20.33
20.77
21.90
20.99
20.43
21.33
20.67
19.59
4.60
20.67
20.72
24
11.70
Net margin%
3.18
5.40
2.89
2.94
5.08
4.62
5.31
4.50
3.52
3.90
9.91
4.50
4.20
22
6.560
P/E ratio (avg)x
6.862
6.291
6.484
7.092
6.819
6.150
6.768
6.339
6.087
6.487
12.72
6.339
6.486
12
20.89
P/TBVx
14.92
14.25
15.39
16.64
19.68
21.82
22.78
23.20
22.91
26.03
11.23
22.91
20.75
85
26.52
P/Bx
46.61
47.94
49.51
57.22
58.21
59.04
64.80
65.05
64.13
65.45
36.17
64.80
58.63
80
20.66
Prem. grth%
17.60
16.43
15.35
17.56
17.45
18.10
16.18
19.01
19.74
19.80
17.84
19.01
17.58
15
5.97
Invest. yld%
8.96
9.49
7.45
9.36
11.73
9.45
7.32
6.08
6.78
5.61
27.40
6.78
8.21
80
5.00
BVPS grth%
21.41
20.33
19.89
16.94
17.96
18.64
16.13
16.32
17.19
15.68
24.51
16.32
17.57
63
17.12
Return on equity%
2.68
2.22
1.40
0.73
0.40
0.40
2.13
2.99
5.41
2.60
20.92
2.60
2.17
47
6.39
Return on assets%
5.20
3.38
4.12
6.10
4.96
6.14
5.81
7.27
4.58
1.63
17.62
5.81
5.08
70
9.05
EPS$
17.42
17.87
17.26
17.55
17.35
18.71
21.10
20.05
19.65
20.02
9.43
2.90%
2.04%
—
13.42
EPS growth%
22.19
21.73
23.54
22.68
23.71
25.17
25.02
26.73
26.24
27.93
5.11
26.24
24.36
21
12.32
Bookvalue per sh$
20.21
23.38
24.60
23.40
25.16
28.28
31.31
33.85
35.10
34.45
4.78
6.49%
6.23%
—
10.51
TBV/sh$
14.94
15.60
16.15
18.11
21.14
20.14
20.51
23.56
23.20
25.57
7.22
3.88%
5.21%
—
3.37
Dividend per sh$
9.43
9.35
10.15
10.29
12.19
13.07
12.96
12.64
12.99
14.45
14.08
3.47%
5.43%
—
13.46
Div yield (avg)%
0.40
0.40
0.40
0.87
3.57
4.48
4.98
4.54
3.51
0.84
6.48
4.48
2.19
45
3.10
Payout ratio%
5.66
8.47
7.50
6.35
7.59
7.81
8.84
8.98
6.83
7.73
3.32
7.81
7.66
61
200.5
Shares (diluted)M
281.5
282.2
297.0
349.4
387.7
426.7
446.8
495.7
567.2
588.9
200.1
8.72%
9.36%
19
5.69
Buyback yield%
1.87
3.91
4.76
6.89
4.44
6.38
4.85
5.47
5.02
5.21
16.20
5.21
4.93
71
0.582
D/E ratiox
3.033
3.221
3.203
3.085
3.464
3.327
3.125
3.342
3.210
3.088
1.789
3.210
3.206
77
2.472
Assets$B
4.168
4.470
4.861
5.197
5.707
5.998
6.615
7.090
8.085
8.521
3.424
8.35%
8.35%
6
3.005
LT debt$B
1.222
1.078
1.032
0.902
0.914
0.865
0.900
0.893
0.812
0.732
2.652
(4.36%)
(6.24%)
94
Revenue
$4.993B
8.66%
1.00×
Claims and benefits
$2.893B
8.85%
1.02×
Total costs
$3.868B
8.39%
0.98×