3.822
Revenue$B
6.249
6.652
7.096
7.566
8.101
8.768
9.469
9.829
10.33
10.81
3.932
5.94%
6.07%
67
3.44
Revenue growth%
22.72
25.44
26.04
23.53
22.42
19.80
17.16
17.59
19.78
20.95
13.18
19.78
21.69
33
18.75
Combined R.%
92.87
93.07
92.16
95.46
93.25
92.40
92.60
93.94
94.68
92.45
21.60
92.60
92.97
16
18.84
Operating margin%
21.24
23.51
24.36
23.58
25.94
28.74
28.61
31.20
31.27
29.24
29.57
29.24
27.27
65
28.17
Net margin%
16.40
18.62
16.48
19.16
19.23
16.30
16.25
13.78
15.00
13.23
2.86
15.00
16.35
58
7.626
P/E ratio (avg)x
33.72
37.75
36.69
43.07
46.60
50.37
49.75
51.80
59.48
63.82
15.42
51.80
48.18
69
35.12
P/TBVx
16.54
17.19
18.53
18.34
21.76
22.99
24.87
29.44
33.50
35.97
32.46
29.44
22.37
43
11.92
P/Bx
17.78
20.93
21.70
22.27
22.60
26.84
30.65
36.14
41.86
49.95
8.264
36.14
24.72
53
5.90
Prem. grth%
5.41
7.83
9.95
8.05
9.68
11.85
11.65
10.29
12.93
10.55
5.75
11.65
10.12
54
24.82
Invest. yld%
21.91
19.79
19.03
16.80
18.27
16.19
17.61
19.50
19.49
21.30
2.17
19.49
19.26
73
9.88
BVPS grth%
4.07
6.38
4.55
4.80
5.75
4.14
2.19
0.68
1.58
1.98
9.47
1.98
4.10
76
26.62
Return on equity%
25.61
25.19
26.66
29.29
30.90
31.55
33.05
34.43
33.51
34.21
5.87
33.51
31.22
49
13.70
Return on assets%
15.76
14.61
14.67
12.44
14.19
12.71
15.60
16.92
14.10
16.20
2.81
15.60
14.64
66
27.67
EPS$
9.14
9.04
9.08
10.00
9.05
8.40
8.00
7.34
7.27
7.85
29.35
(2.80%)
(2.47%)
—
23.90
EPS growth%
31.03
31.56
30.36
29.41
31.09
34.07
34.56
32.73
34.28
33.47
17.01
34.07
32.15
83
5.94
Bookvalue per sh$
20.08
19.89
20.35
20.08
19.20
18.10
18.08
19.97
22.96
25.14
5.10
5.54%
2.89%
—
5.78
TBV/sh$
19.28
19.53
20.71
20.46
18.49
19.41
18.54
18.37
20.26
20.52
13.48
2.11%
1.33%
—
20.98
Dividend per sh$
9.71
8.96
8.70
8.13
8.24
8.75
8.88
9.40
10.65
10.23
17.94
4.41%
1.06%
—
28.71
Div yield (avg)%
6.32
3.63
3.04
2.70
1.58
3.69
3.10
1.66
2.87
2.41
22.38
2.87
2.96
43
22.48
Payout ratio%
5.79
5.92
6.58
4.12
4.54
3.24
4.21
1.39
3.98
5.07
2.25
3.98
4.37
64
346.8
Shares (diluted)M
438.3
406.5
375.5
334.9
326.7
361.1
323.1
289.0
272.3
247.1
336.7
(5.43%)
(4.60%)
93
14.90
Buyback yield%
13.54
14.94
17.27
18.40
20.97
21.50
20.06
22.42
21.20
19.88
27.83
21.20
19.97
37
1.354
D/E ratiox
1.372
1.484
1.566
1.420
1.529
1.476
1.366
1.394
1.425
1.347
0.657
1.394
1.422
38
0.541
Assets$B
11.44
12.18
13.27
13.76
15.21
16.56
18.18
20.24
22.13
23.31
8.986
8.91%
8.19%
93
4.614
LT debt$B
4.237
4.655
4.907
4.964
4.617
4.607
4.309
4.266
4.721
5.251
9.299
2.61%
1.11%
67
Revenue
$10.81B
6.07%
1.00×
Claims and benefits
$6.362B
6.14%
1.01×
Total costs
$9.116B
5.91%
0.99×