4.532
Revenue$B
4.479
4.650
4.850
5.040
5.301
5.603
5.732
5.947
6.267
6.328
4.683
3.61%
3.73%
16
3.85
Revenue growth%
2.07
3.04
2.86
2.30
1.55
0.56
0.40
0.40
0.40
2.69
29.72
0.40
1.81
25
20.13
Combined R.%
89.57
89.33
88.31
87.32
86.53
86.98
88.03
88.67
88.11
87.32
20.17
88.03
88.07
29
12.21
Operating margin%
15.15
14.30
12.26
10.01
12.99
14.71
17.14
18.08
16.85
18.06
3.56
17.14
14.93
8
15.19
Net margin%
18.32
15.89
15.08
17.36
17.25
14.46
14.35
15.83
14.10
15.46
6.06
14.46
15.64
30
13.53
P/E ratio (avg)x
18.46
16.93
16.89
15.27
14.47
12.65
12.55
13.07
12.07
12.93
25.50
12.65
13.77
91
10.95
P/TBVx
15.99
14.50
14.83
14.34
13.62
14.84
14.64
15.06
16.48
17.33
22.11
15.06
14.84
37
9.212
P/Bx
27.48
30.15
30.69
30.33
29.22
27.46
29.62
32.59
29.04
29.66
14.65
29.62
29.64
84
8.19
Prem. grth%
14.40
13.97
13.85
14.28
16.76
13.82
16.06
18.31
16.24
17.91
25.05
16.24
15.23
93
29.39
Invest. yld%
3.43
2.02
1.95
2.86
2.45
2.31
0.40
2.83
0.40
2.41
15.46
2.31
2.36
42
21.63
BVPS grth%
29.86
30.19
32.73
31.62
34.40
33.81
33.73
32.81
32.99
32.05
13.04
32.99
32.77
72
25.76
Return on equity%
17.49
17.82
17.10
15.42
14.41
14.52
16.00
14.66
15.20
14.93
14.49
14.93
15.31
6
28.75
Return on assets%
13.84
16.58
14.46
16.48
18.97
19.27
16.35
18.62
20.61
20.35
21.78
19.27
17.60
46
6.78
EPS$
3.12
3.09
3.08
3.50
3.70
3.75
3.90
3.67
4.21
4.71
7.47
4.91%
4.11%
—
6.48
EPS growth%
21.02
21.28
22.93
24.79
22.86
23.47
26.00
28.20
30.79
31.19
10.25
28.20
24.13
93
8.42
Bookvalue per sh$
18.40
18.44
20.46
20.21
19.90
19.56
20.22
20.53
23.45
27.94
4.27
7.02%
5.80%
—
3.36
TBV/sh$
6.30
6.17
5.65
4.91
5.00
5.24
5.79
5.47
4.83
4.26
11.52
(3.13%)
(3.31%)
—
10.16
Dividend per sh$
5.73
5.22
4.65
4.86
4.20
3.89
3.65
3.68
3.66
3.77
6.34
(2.16%)
(3.46%)
—
15.30
Div yield (avg)%
13.08
14.21
11.81
12.22
10.16
11.66
10.55
12.77
11.65
11.61
3.40
11.65
11.74
90
9.43
Payout ratio%
19.78
20.40
22.96
22.36
22.97
21.58
22.07
23.68
25.71
25.84
4.66
23.68
22.66
94
377.7
Shares (diluted)M
419.1
411.0
429.9
432.3
477.9
453.5
507.7
504.9
503.6
514.1
386.0
1.47%
1.98%
37
12.23
Buyback yield%
27.77
25.31
24.31
26.20
26.12
25.89
23.48
25.17
26.83
28.67
13.18
25.89
26.00
58
1.306
D/E ratiox
1.299
1.518
1.643
1.883
2.030
2.331
2.396
2.761
2.816
3.144
0.261
2.761
2.181
15
4.603
Assets$B
2.039
2.264
2.491
2.610
2.819
3.126
3.388
3.731
4.138
4.456
3.358
9.59%
9.14%
66
6.863
LT debt$B
6.621
7.043
7.041
7.491
7.326
7.338
7.094
6.583
7.032
7.959
1.124
1.67%
2.54%
48
Revenue
$6.328B
3.73%
1.00×
Claims and benefits
$3.342B
3.61%
0.99×
Total costs
$5.072B
3.49%
0.98×