0.695
Revenue$B
2.084
2.117
2.179
2.270
2.271
2.357
2.354
2.402
2.399
2.434
0.759
1.40%
1.58%
62
25.69
Revenue growth%
6.78
6.95
7.44
8.38
10.32
11.96
14.31
16.63
18.66
21.50
14.90
16.63
11.14
28
17.39
Combined R.%
92.98
93.95
94.38
93.55
93.63
92.88
94.96
93.42
91.77
94.76
2.46
93.42
93.59
23
19.20
Operating margin%
17.82
18.52
19.08
17.01
18.57
15.70
17.68
14.98
13.13
12.55
7.91
14.98
17.35
84
13.46
Net margin%
15.85
15.88
17.81
16.35
16.07
15.32
14.47
16.37
15.20
13.40
15.86
15.20
15.87
49
8.356
P/E ratio (avg)x
24.34
26.71
31.02
29.61
34.89
37.83
41.37
39.21
41.44
42.28
16.16
41.37
36.36
63
23.85
P/TBVx
42.07
48.09
50.39
56.56
58.93
56.38
60.22
70.84
67.26
65.33
34.73
65.33
57.74
23
15.88
P/Bx
10.42
10.74
9.842
10.08
9.933
10.48
11.30
10.22
10.91
9.896
30.46
10.48
10.32
55
19.54
Prem. grth%
13.05
13.67
16.63
16.62
13.66
16.24
16.98
18.19
18.96
20.40
16.05
18.19
16.62
82
18.39
Invest. yld%
17.55
20.46
22.85
20.66
19.03
16.70
18.51
20.66
23.51
23.21
6.57
20.66
20.56
27
23.61
BVPS grth%
24.19
24.23
24.17
23.28
23.27
22.15
23.36
24.53
22.38
24.53
2.85
23.36
23.76
65
4.85
Return on equity%
18.39
17.04
19.41
21.25
18.61
18.66
16.21
14.64
12.30
14.58
26.47
14.64
17.72
52
10.10
Return on assets%
9.80
7.08
6.08
4.34
6.46
3.57
2.02
0.40
1.28
0.40
16.36
1.28
3.95
56
3.05
EPS$
6.25
5.75
6.52
6.47
6.93
7.66
7.27
8.10
9.25
9.78
3.28
7.13%
5.03%
—
20.73
EPS growth%
23.03
20.94
22.87
24.44
24.24
25.20
22.37
20.89
18.80
19.64
24.33
20.89
22.62
87
9.74
Bookvalue per sh$
2.17
2.17
2.39
2.54
2.33
2.23
2.44
2.59
2.25
2.19
7.86
(1.17%)
0.65%
—
11.57
TBV/sh$
3.83
3.43
3.36
3.41
3.03
2.85
3.15
2.83
2.79
2.94
6.97
(0.58%)
(3.57%)
—
11.47
Dividend per sh$
2.89
3.04
3.07
3.50
4.06
4.06
4.40
4.30
5.04
4.77
2.20
3.26%
5.76%
—
12.08
Div yield (avg)%
8.93
8.11
8.53
10.34
11.83
14.82
15.96
15.24
13.24
12.28
7.66
14.82
12.05
17
27.70
Payout ratio%
8.82
6.89
7.17
6.80
8.63
11.43
11.75
11.65
11.50
14.47
15.54
11.65
10.13
31
93.20
Shares (diluted)M
141.9
154.9
165.4
158.1
178.7
201.0
213.5
235.6
261.1
269.9
91.93
8.60%
8.11%
88
23.00
Buyback yield%
3.84
6.70
4.93
7.05
6.44
8.49
8.82
7.05
4.29
6.99
23.86
7.05
6.85
23
0.868
D/E ratiox
1.581
1.544
1.679
1.736
1.644
1.570
1.860
1.837
2.149
2.095
0.263
1.860
1.707
52
1.039
Assets$B
6.533
7.480
8.039
8.574
9.188
9.713
10.81
11.46
12.69
13.51
0.121
8.01%
8.36%
77
0.168
LT debt$B
1.792
1.537
1.435
1.219
1.298
1.377
1.328
1.200
1.042
1.124
1.779
(2.85%)
(3.97%)
5
Revenue
$2.434B
1.58%
1.00×
Claims and benefits
$1.399B
1.80%
1.02×
Total costs
$2.111B
1.71%
1.01×