1.190
Revenue$B
1.332
1.451
1.582
1.671
1.814
1.968
2.105
2.292
2.416
2.620
1.299
7.63%
7.63%
66
10.10
Revenue growth%
19.61
16.78
14.19
11.67
10.20
9.50
12.41
9.49
12.02
13.80
26.97
12.02
12.21
27
9.40
Combined R.%
76.91
77.15
77.45
76.21
75.99
76.18
76.92
75.51
76.79
76.56
28.98
76.56
76.67
14
5.69
Operating margin%
22.26
24.32
26.69
27.53
29.06
30.68
32.86
32.00
31.65
33.71
25.46
32.00
29.87
25
13.82
Net margin%
6.10
3.69
2.63
1.49
2.75
0.70
3.57
4.30
6.95
5.23
4.87
4.30
3.63
6
10.09
P/E ratio (avg)x
42.75
42.27
49.52
53.88
57.31
59.45
60.73
65.22
74.71
85.35
24.17
65.22
58.38
51
24.57
P/TBVx
19.60
18.37
17.01
18.41
19.02
18.44
20.66
18.33
19.19
20.25
18.21
19.19
18.73
32
20.44
P/Bx
8.791
8.434
8.802
8.544
8.197
9.196
10.14
10.79
11.38
11.39
14.68
10.79
8.999
23
23.44
Prem. grth%
4.56
1.64
2.63
2.75
4.59
4.43
2.43
1.83
0.40
0.40
16.79
1.83
2.53
35
2.34
Invest. yld%
13.81
15.36
17.31
18.78
16.46
15.68
18.16
19.21
18.30
20.34
20.53
18.30
17.73
75
4.42
BVPS grth%
7.06
5.67
7.98
8.31
5.53
3.58
6.38
7.42
7.42
8.37
7.33
7.42
7.24
30
2.86
Return on equity%
22.06
22.36
21.92
23.04
24.67
22.91
20.54
20.18
20.01
21.30
24.87
20.54
21.99
40
4.34
Return on assets%
2.65
5.43
6.07
5.55
4.03
1.66
1.61
2.58
3.54
5.26
23.39
2.58
3.79
29
1.62
EPS$
8.13
8.45
9.41
10.94
10.75
12.29
12.97
12.74
13.06
14.30
1.74
5.88%
6.21%
—
14.57
EPS growth%
12.02
9.04
8.28
7.45
6.96
6.63
8.65
6.36
4.44
3.31
7.40
6.36
7.21
53
1.69
Bookvalue per sh$
1.96
1.83
1.78
1.99
1.95
2.14
2.29
2.12
2.32
2.51
2.42
5.11%
2.17%
—
2.96
TBV/sh$
3.93
4.16
4.60
5.44
5.98
6.60
7.14
8.38
9.67
11.20
0.89
13.37%
11.07%
—
1.74
Dividend per sh$
0.60
0.65
0.55
0.58
0.57
0.52
0.44
0.44
0.44
0.38
3.91
(7.46%)
(5.55%)
—
22.16
Div yield (avg)%
26.91
28.96
28.53
29.26
31.85
33.80
34.66
35.74
35.11
35.45
4.61
35.11
32.83
31
22.66
Payout ratio%
12.42
14.43
12.27
15.07
13.42
10.92
11.31
13.12
10.26
11.03
3.16
11.03
12.35
22
236.4
Shares (diluted)M
334.0
401.5
392.3
392.3
464.9
473.3
516.4
530.0
539.8
637.4
238.7
6.52%
7.36%
56
8.00
Buyback yield%
12.84
12.38
10.41
11.57
10.61
8.85
7.51
9.00
8.41
6.92
21.72
8.41
9.70
24
0.444
D/E ratiox
1.898
1.975
1.923
1.900
2.085
2.123
2.250
2.349
2.596
2.956
1.730
2.349
2.104
85
2.844
Assets$B
3.413
3.694
3.900
4.224
4.466
4.924
5.403
5.869
6.073
6.694
2.170
8.43%
7.78%
45
1.007
LT debt$B
2.639
2.982
3.050
3.439
4.034
4.630
5.012
5.626
6.007
6.361
0.200
9.54%
10.79%
6
Revenue
$2.620B
7.63%
1.00×
Claims and benefits
$1.337B
7.72%
1.01×
Total costs
$1.836B
7.63%
1.00×