0.683
Revenue$B
2.453
2.650
2.860
3.006
3.251
3.482
3.629
3.863
4.110
4.371
0.703
6.10%
6.49%
31
29.18
Revenue growth%
11.41
11.63
13.68
11.25
12.64
14.66
13.97
12.51
14.88
16.41
6.51
14.66
13.16
49
17.27
Combined R.%
87.13
86.91
86.13
87.06
86.32
86.84
86.95
86.43
88.41
87.46
12.89
86.95
86.93
82
10.20
Operating margin%
12.66
13.89
16.06
14.55
16.00
14.94
14.79
17.27
16.05
14.12
5.67
14.94
14.87
69
9.32
Net margin%
20.20
17.97
15.99
13.09
12.33
9.91
9.05
6.89
5.16
4.71
20.79
6.89
11.12
86
10.54
P/E ratio (avg)x
27.54
30.45
33.37
29.60
26.92
27.03
27.59
25.53
25.68
26.08
30.97
26.08
27.28
12
11.40
P/TBVx
21.52
23.54
23.69
23.23
21.10
19.71
21.61
23.23
21.92
23.31
26.70
21.92
22.58
6
9.203
P/Bx
26.54
29.75
30.84
33.53
35.86
39.04
41.03
41.47
40.99
41.44
15.68
41.03
37.45
14
21.20
Prem. grth%
24.80
27.60
25.63
28.00
25.80
25.42
27.32
27.51
24.89
26.58
23.23
26.58
26.19
84
24.90
Invest. yld%
5.39
2.55
1.19
0.44
3.42
2.99
1.63
2.62
2.53
1.34
20.63
2.53
2.54
22
2.60
BVPS grth%
22.73
24.12
26.47
24.76
23.83
26.62
23.85
24.96
22.09
23.51
21.34
23.85
23.98
88
2.52
Return on equity%
0.40
0.40
0.43
0.40
0.40
1.65
2.59
5.01
6.54
8.36
8.32
5.01
1.04
36
27.75
Return on assets%
7.56
4.63
5.00
2.35
0.40
1.10
3.17
5.20
4.93
7.64
12.83
4.93
4.78
31
28.53
EPS$
7.79
7.29
6.97
6.91
6.82
7.30
6.89
6.94
6.77
6.55
29.57
(0.79%)
(2.37%)
—
21.41
EPS growth%
30.93
29.10
31.20
30.63
28.04
26.28
27.67
29.11
27.00
28.80
29.12
27.67
28.95
14
20.55
Bookvalue per sh$
34.52
32.06
29.45
29.70
31.25
32.62
33.02
34.87
35.05
36.05
12.30
2.90%
1.34%
—
10.23
TBV/sh$
9.11
9.33
10.32
11.69
13.25
14.69
14.41
15.16
14.37
13.62
12.42
0.56%
5.37%
—
9.26
Dividend per sh$
43.87
44.33
48.05
49.75
59.12
65.28
71.31
76.36
75.23
77.75
26.94
5.63%
5.65%
—
19.72
Div yield (avg)%
2.60
0.40
1.87
0.40
2.58
4.37
1.66
3.39
1.15
0.40
21.61
1.66
1.77
29
24.60
Payout ratio%
7.17
7.79
8.11
9.08
8.90
10.04
7.31
6.47
5.37
4.69
6.87
6.47
7.55
84
39.63
Shares (diluted)M
26.81
23.14
19.66
18.63
17.19
14.45
12.74
12.06
13.02
11.15
39.81
(8.28%)
(9.47%)
37
4.55
Buyback yield%
5.37
6.11
3.38
1.41
1.83
0.40
0.40
2.68
5.64
6.14
17.77
2.68
3.03
73
1.207
D/E ratiox
0.528
0.518
0.473
0.505
0.427
0.449
0.424
0.440
0.433
0.446
1.162
0.440
0.447
84
3.702
Assets$B
4.670
5.072
5.165
5.953
6.398
7.123
7.656
8.231
8.501
9.302
2.524
7.77%
7.49%
86
2.925
LT debt$B
4.505
5.034
5.255
5.374
5.516
6.172
7.406
7.904
8.315
8.937
1.561
10.13%
8.94%
88
Revenue
$4.371B
6.49%
1.00×
Claims and benefits
$2.538B
6.58%
1.01×
Total costs
$3.461B
6.33%
0.99×