0.561
Revenue$B
2.871
2.920
3.015
3.074
3.216
3.305
3.427
3.569
3.664
3.743
0.609
3.08%
2.77%
27
20.69
Revenue growth%
10.05
9.90
9.03
7.57
5.53
4.69
7.68
8.57
9.14
8.63
4.37
8.57
8.60
37
12.12
Combined R.%
75.49
75.68
74.46
74.20
75.16
75.33
75.09
72.15
72.23
75.36
3.13
75.09
75.12
78
6.05
Operating margin%
16.41
16.39
14.97
13.36
13.89
13.26
11.54
13.25
11.19
12.68
25.40
12.68
13.31
30
11.03
Net margin%
10.03
11.77
13.10
10.45
7.61
7.46
9.68
8.67
8.81
6.98
4.30
8.67
9.24
60
14.22
P/E ratio (avg)x
43.76
46.96
55.34
64.68
70.75
84.42
99.67
120.4
126.1
125.7
22.30
120.4
77.59
24
22.27
P/TBVx
30.34
30.57
27.57
26.97
28.68
25.38
28.06
30.11
32.74
34.02
29.25
30.11
29.39
60
22.11
P/Bx
19.96
17.72
17.53
17.41
17.76
18.76
16.89
17.82
16.76
17.39
17.13
17.39
17.63
61
21.28
Prem. grth%
8.65
6.07
7.62
6.96
8.42
9.09
6.40
5.24
2.48
1.97
8.70
5.24
6.68
76
3.89
Invest. yld%
2.36
1.63
0.40
2.31
1.08
0.40
2.88
2.53
0.66
1.60
10.70
1.60
1.61
62
28.90
BVPS grth%
4.53
4.95
5.22
5.60
5.80
7.58
8.26
6.44
4.74
2.92
12.97
6.44
5.41
81
21.26
Return on equity%
12.90
13.38
11.96
12.97
15.75
18.71
19.41
16.85
16.24
15.80
18.86
16.85
15.78
92
26.90
Return on assets%
26.83
27.96
25.16
24.61
25.15
22.55
19.72
17.43
16.19
18.45
2.15
18.45
23.58
77
8.13
EPS$
3.15
3.10
3.19
3.20
3.20
3.19
2.99
2.86
2.73
2.59
8.94
(4.12%)
(1.83%)
—
24.14
EPS growth%
29.32
31.36
31.53
29.93
30.67
31.12
34.11
33.15
31.60
31.12
12.21
31.60
31.24
10
12.06
Bookvalue per sh$
2.23
2.41
2.18
2.15
2.23
2.40
2.36
2.28
1.99
2.10
4.81
(1.11%)
(0.21%)
—
2.26
TBV/sh$
3.79
3.68
3.33
3.31
3.36
3.44
3.25
3.47
3.43
3.06
14.40
(1.88%)
(3.21%)
—
14.45
Dividend per sh$
8.31
8.25
8.18
8.56
7.68
7.37
7.69
6.88
6.34
6.53
7.21
(3.17%)
(2.64%)
—
27.50
Div yield (avg)%
19.11
18.54
17.25
17.13
15.78
17.98
19.60
20.39
17.88
16.37
17.52
17.98
17.93
28
29.90
Payout ratio%
6.84
4.34
1.54
0.40
0.40
0.40
0.54
0.78
0.40
0.40
15.76
0.40
0.47
15
153.9
Shares (diluted)M
228.9
246.1
227.9
224.6
225.7
243.5
281.1
291.8
297.6
306.9
153.5
6.34%
3.32%
57
22.81
Buyback yield%
27.46
26.24
24.67
26.08
26.22
27.20
24.49
27.41
27.18
24.76
15.28
27.18
26.23
85
1.434
D/E ratiox
0.957
0.939
0.889
0.960
0.928
0.900
0.998
1.035
1.069
1.225
0.699
1.035
0.959
15
1.343
Assets$B
9.756
10.30
11.05
12.24
12.97
14.04
16.01
17.64
18.91
20.24
0.462
9.31%
8.61%
44
1.928
LT debt$B
1.951
2.221
2.266
2.650
2.672
2.916
3.240
3.571
3.605
3.711
0.626
6.79%
8.05%
51
Revenue
$3.743B
2.77%
1.00×
Claims and benefits
$1.804B
2.87%
1.01×
Total costs
$2.639B
3.02%
1.02×