1.442
Revenue$B
1.818
1.972
2.128
2.331
2.490
2.724
2.954
3.143
3.361
3.587
1.531
7.57%
7.95%
67
25.83
Revenue growth%
10.97
8.31
9.66
8.57
9.06
10.63
13.02
10.48
9.79
11.98
14.14
10.63
10.14
46
18.88
Combined R.%
85.60
84.24
87.55
84.84
85.41
85.22
85.66
84.75
85.13
85.38
5.65
85.22
85.30
48
2.87
Operating margin%
3.06
3.27
0.73
1.51
0.40
0.40
1.38
3.38
3.85
6.30
10.47
3.38
2.28
48
28.24
Net margin%
8.15
10.88
11.76
11.11
8.87
7.71
8.22
7.71
5.03
6.76
10.89
7.71
8.18
74
23.32
P/E ratio (avg)x
40.11
42.71
47.67
50.98
48.52
46.97
44.61
40.96
40.99
37.41
25.51
40.99
43.66
24
21.08
P/TBVx
41.60
41.81
47.39
45.66
53.61
60.33
62.14
72.15
72.55
76.33
12.38
72.15
56.97
66
24.36
P/Bx
6.788
7.505
7.743
7.797
8.913
9.212
10.62
10.88
11.23
12.14
36.12
10.88
9.062
54
19.78
Prem. grth%
28.04
29.78
29.21
27.50
24.99
26.69
26.41
26.32
25.53
26.11
15.05
26.32
26.55
58
15.59
Invest. yld%
21.93
22.91
20.90
22.97
24.32
26.37
26.08
25.91
24.30
24.57
19.11
25.91
24.31
74
2.61
BVPS grth%
12.98
12.80
13.04
14.85
13.67
11.95
10.43
12.34
9.37
11.02
23.17
11.02
12.57
12
8.39
Return on equity%
18.26
17.57
16.19
15.39
17.37
18.41
15.59
16.48
13.62
12.90
5.15
15.59
16.34
77
22.49
Return on assets%
26.70
29.17
32.00
33.52
30.94
31.65
29.41
27.82
30.49
31.44
6.75
30.49
30.71
50
25.19
EPS$
34.85
32.42
35.95
32.90
31.95
31.32
32.15
31.58
32.50
33.21
26.21
0.78%
(0.33%)
—
28.64
EPS growth%
4.55
5.80
2.89
0.89
2.99
5.80
8.78
11.27
10.68
10.40
23.03
10.40
5.80
83
23.99
Bookvalue per sh$
40.01
40.09
37.86
35.68
35.72
32.30
33.44
35.20
37.10
33.74
25.32
(1.14%)
(1.83%)
—
32.77
TBV/sh$
18.88
19.19
17.12
18.47
18.74
19.45
18.44
17.04
14.99
16.37
35.62
(2.66%)
(2.48%)
—
30.36
Dividend per sh$
17.96
18.12
16.30
15.07
15.22
14.85
13.98
13.43
13.22
11.53
21.07
(5.41%)
(5.65%)
—
6.26
Div yield (avg)%
24.21
25.32
27.30
27.19
26.00
26.12
26.05
26.67
29.11
30.17
13.23
26.67
26.39
63
17.70
Payout ratio%
7.62
9.12
8.81
9.44
11.43
13.96
13.70
15.07
16.23
17.51
14.71
15.07
12.57
32
35.02
Shares (diluted)M
30.89
29.79
27.93
28.40
26.11
24.22
25.27
24.16
25.80
24.65
34.17
(1.15%)
(1.77%)
55
6.29
Buyback yield%
16.66
17.60
18.02
17.57
15.25
17.43
18.69
19.40
20.26
20.89
23.53
19.40
17.81
85
0.423
D/E ratiox
1.517
1.781
1.918
2.002
2.206
2.377
2.719
2.865
2.934
2.909
0.184
2.865
2.292
20
2.287
Assets$B
2.867
3.106
3.472
3.849
4.317
4.667
5.154
5.595
6.296
6.661
3.592
9.06%
9.86%
78
2.255
LT debt$B
0.424
0.426
0.465
0.539
0.612
0.642
0.737
0.781
0.774
0.845
2.613
6.65%
8.12%
94
Revenue
$3.587B
7.95%
1.00×
Claims and benefits
$1.879B
8.04%
1.01×
Total costs
$2.824B
8.20%
1.02×