0.895
Revenue$B
1.035
1.098
1.165
1.249
1.343
1.393
1.466
1.549
1.631
1.692
0.976
4.72%
5.82%
13
10.15
Revenue growth%
21.91
23.83
25.04
27.82
29.00
30.61
27.82
26.49
23.75
21.25
29.39
26.49
25.76
15
6.99
Combined R.%
78.39
78.87
79.06
79.52
79.93
78.09
78.61
77.48
77.48
78.78
26.60
78.09
78.70
67
14.36
Operating margin%
24.53
22.77
20.41
20.83
19.48
17.79
15.22
16.92
19.58
21.20
16.92
17.79
20.00
40
25.33
Net margin%
24.20
23.92
26.57
24.71
22.69
23.68
23.58
26.58
28.99
28.74
3.26
26.58
24.46
95
9.722
P/E ratio (avg)x
36.65
39.82
36.54
41.79
43.11
40.22
40.70
41.98
40.06
41.80
13.44
40.70
40.46
33
18.50
P/TBVx
50.47
52.00
49.74
53.64
59.14
69.52
73.02
70.62
77.36
84.16
32.96
73.02
64.33
58
32.47
P/Bx
15.18
16.39
15.91
16.17
13.93
12.87
13.76
14.70
12.82
13.87
11.75
13.76
14.31
95
29.22
Prem. grth%
28.72
31.57
34.43
33.38
33.11
30.66
30.95
30.99
33.43
35.00
24.84
30.99
32.34
18
24.99
Invest. yld%
3.14
3.98
5.10
7.59
8.14
9.08
10.56
13.31
12.44
10.81
27.28
10.81
8.61
64
16.06
BVPS grth%
10.15
9.76
7.71
7.07
6.48
9.28
11.33
9.64
7.91
6.51
7.85
9.28
8.60
12
16.23
Return on equity%
5.30
6.69
4.49
5.67
6.21
7.51
5.20
6.98
8.91
7.90
27.22
7.51
6.45
54
8.36
Return on assets%
4.58
3.18
2.56
3.06
4.13
4.24
3.26
4.79
7.17
4.90
27.37
4.79
4.18
59
4.76
EPS$
1.66
1.91
2.19
2.18
2.23
2.65
3.03
3.33
3.54
4.14
4.98
13.19%
10.45%
—
29.87
EPS growth%
8.19
6.19
7.61
9.51
11.68
14.20
11.60
12.99
14.13
14.65
11.69
14.13
11.64
20
1.23
Bookvalue per sh$
4.17
4.34
4.97
5.69
5.82
6.21
6.16
6.07
7.08
7.13
1.18
4.17%
6.46%
—
4.71
TBV/sh$
0.93
0.90
0.83
0.81
0.84
0.76
0.66
0.67
0.66
0.56
1.01
(7.58%)
(5.78%)
—
4.71
Dividend per sh$
1.50
1.60
1.62
1.77
1.71
1.83
1.82
1.85
1.70
1.58
4.45
(1.54%)
0.48%
—
25.23
Div yield (avg)%
25.18
27.93
26.92
27.55
26.02
28.95
30.09
32.07
31.34
29.39
21.42
30.09
28.44
38
9.54
Payout ratio%
5.26
6.58
5.39
4.35
3.58
5.04
7.19
9.60
12.17
11.16
10.47
9.60
5.99
93
193.2
Shares (diluted)M
187.7
196.9
169.1
169.8
179.8
160.5
166.5
182.5
176.4
183.5
192.5
0.41%
(0.84%)
15
16.87
Buyback yield%
2.58
0.77
1.57
3.19
3.95
2.95
0.60
0.40
0.40
2.44
24.39
0.60
2.00
17
1.395
D/E ratiox
0.397
0.425
0.402
0.434
0.428
0.416
0.463
0.416
0.387
0.355
1.311
0.416
0.416
66
1.835
Assets$B
2.818
3.055
3.297
3.607
3.886
4.160
4.458
4.845
5.036
5.663
0.276
7.82%
7.89%
94
0.102
LT debt$B
1.315
1.313
1.334
1.550
1.601
1.840
1.780
1.872
1.766
1.840
1.455
2.82%
3.32%
91
Revenue
$1.692B
5.82%
1.00×
Claims and benefits
$817.9M
5.85%
1.00×
Total costs
$1.241B
5.70%
0.99×