1.518
Revenue$B
4.918
4.935
5.075
4.999
4.925
4.966
5.044
5.205
5.241
5.325
1.642
1.58%
0.82%
43
16.39
Revenue growth%
5.87
4.72
3.04
3.77
4.90
4.21
6.10
8.94
9.01
7.92
9.46
7.92
5.39
54
29.96
Combined R.%
80.89
80.97
81.23
79.43
77.35
78.43
77.56
79.71
77.72
78.29
18.52
78.29
78.93
30
22.95
Operating margin%
15.75
13.60
10.90
11.60
10.67
12.22
14.68
12.08
14.47
13.30
2.51
13.30
12.76
89
5.84
Net margin%
11.08
11.18
8.86
9.42
6.89
5.28
5.86
5.32
3.27
3.23
7.22
5.28
6.38
19
32.16
P/E ratio (avg)x
18.31
17.76
17.69
19.52
21.06
20.03
20.78
19.78
22.96
21.73
35.14
20.78
19.91
35
18.80
P/TBVx
42.34
42.49
43.57
43.11
47.24
42.10
37.49
39.01
43.06
42.28
26.95
42.10
42.42
19
29.03
P/Bx
10.88
10.64
10.99
11.38
12.20
10.57
9.485
10.27
9.771
8.439
34.79
9.771
10.60
45
5.62
Prem. grth%
17.31
18.97
17.32
15.78
14.12
14.78
13.67
10.76
10.82
8.85
6.13
10.82
14.45
74
27.89
Invest. yld%
17.48
15.30
14.07
11.58
9.62
7.49
10.48
8.28
8.84
9.05
14.39
8.84
10.05
80
16.72
BVPS grth%
24.25
23.21
23.51
24.93
22.96
21.27
23.29
22.18
23.37
23.58
14.53
23.29
23.33
70
23.91
Return on equity%
10.33
12.38
13.82
13.83
15.74
17.36
17.03
19.47
21.87
20.72
15.77
19.47
16.38
8
8.82
Return on assets%
29.90
29.53
30.44
33.41
33.40
34.57
36.59
37.01
38.29
36.77
10.68
36.77
33.99
72
82.16
EPS$
28.61
26.15
22.63
22.99
25.04
27.62
28.89
29.78
26.90
28.47
84.68
2.60%
0.47%
—
14.41
EPS growth%
8.64
8.74
9.25
6.49
4.17
5.81
6.56
4.88
2.82
3.02
29.94
4.88
6.15
25
82.89
Bookvalue per sh$
111.77
123.55
138.77
134.83
134.25
129.83
126.43
138.06
134.11
148.83
70.32
2.08%
3.02%
—
216.40
TBV/sh$
265.72
311.92
334.64
364.58
384.82
411.62
469.14
506.57
564.08
681.97
157.31
12.12%
9.74%
—
105.93
Dividend per sh$
81.45
87.55
85.95
88.44
91.21
99.98
109.17
112.20
121.37
119.26
55.08
5.51%
3.47%
—
2.78
Div yield (avg)%
10.64
7.95
7.64
8.91
10.34
12.51
14.24
13.72
10.78
11.27
6.13
12.51
10.71
51
7.86
Payout ratio%
7.02
7.66
10.66
9.69
6.78
5.87
5.40
3.28
3.84
2.23
12.25
3.84
6.32
71
12.22
Shares (diluted)M
14.89
16.74
16.14
17.90
20.31
22.00
23.06
26.26
24.62
26.15
12.35
5.19%
7.15%
52
13.12
Buyback yield%
23.33
25.51
28.02
30.46
30.02
29.09
29.22
29.32
27.66
26.08
18.38
29.09
28.55
86
0.112
D/E ratiox
1.571
1.763
1.798
1.781
1.897
2.108
2.435
2.330
2.245
2.207
0.378
2.245
2.002
20
6.072
Assets$B
10.10
10.89
11.79
13.07
13.60
15.26
16.51
18.19
19.20
20.74
5.992
8.81%
8.49%
55
5.462
LT debt$B
5.439
5.358
5.905
6.133
5.950
5.422
5.397
5.227
5.561
5.304
6.677
(2.27%)
(0.99%)
65
Revenue
$5.325B
0.82%
1.00×
Claims and benefits
$2.792B
0.82%
1.00×
Total costs
$3.837B
0.89%
1.01×