3.475
Revenue$B
3.154
3.179
3.247
3.243
3.273
3.363
3.432
3.547
3.667
3.657
3.582
2.24%
1.76%
39
25.80
Revenue growth%
3.08
6.05
4.14
2.46
5.02
7.42
7.12
8.49
7.71
8.56
2.42
7.71
6.59
86
11.71
Combined R.%
96.20
96.15
95.61
96.46
94.99
96.16
96.72
96.99
95.50
95.10
24.78
96.16
96.15
25
8.43
Operating margin%
10.24
7.95
6.17
4.81
6.24
8.72
6.88
7.43
5.50
5.68
29.38
6.88
6.56
26
10.02
Net margin%
15.23
12.63
13.99
14.16
11.73
10.11
10.59
10.89
10.08
11.93
2.59
10.59
11.83
13
37.79
P/E ratio (avg)x
33.95
39.36
41.98
41.71
46.00
47.58
55.17
59.96
70.29
77.50
30.12
59.96
46.79
87
19.99
P/TBVx
21.31
20.30
18.18
17.96
19.60
18.80
19.39
18.18
19.42
21.37
34.35
19.39
19.40
37
14.85
P/Bx
9.275
9.095
10.32
10.98
10.75
10.16
11.12
10.73
11.33
11.40
6.914
11.12
10.74
16
3.91
Prem. grth%
24.75
22.49
25.09
24.26
26.17
28.06
25.09
25.86
26.42
28.46
5.54
26.42
25.47
60
29.65
Invest. yld%
22.03
19.74
20.54
21.49
23.41
21.02
22.87
24.46
22.70
25.10
8.43
22.87
22.36
76
26.61
BVPS grth%
16.68
14.91
15.71
14.19
13.94
15.08
12.38
12.06
14.39
14.87
3.55
14.39
14.63
70
22.97
Return on equity%
3.30
5.07
4.21
5.40
8.07
8.48
11.15
9.54
7.87
10.70
5.88
9.54
7.97
69
24.55
Return on assets%
0.40
1.76
2.96
1.72
2.40
4.63
3.77
5.45
6.31
8.71
22.95
5.45
3.37
19
0.96
EPS$
2.52
2.82
2.70
2.95
3.24
3.39
3.53
3.60
3.49
3.95
1.04
4.04%
4.24%
—
24.44
EPS growth%
27.65
29.13
30.54
27.58
24.95
23.99
21.75
20.14
19.15
17.54
6.95
20.14
24.47
69
1.09
Bookvalue per sh$
1.14
1.12
1.02
1.11
1.06
0.95
0.85
0.75
0.68
0.76
1.15
(6.53%)
(4.44%)
—
1.24
TBV/sh$
1.27
1.42
1.67
1.82
1.86
1.92
2.24
2.56
2.53
2.93
1.64
9.53%
8.68%
—
0.56
Dividend per sh$
3.17
3.37
3.38
3.73
3.87
3.46
3.64
3.58
3.61
3.66
1.86
(1.13%)
2.02%
—
4.73
Div yield (avg)%
16.16
13.20
13.87
16.24
15.41
15.74
14.55
12.64
11.86
10.75
2.87
12.64
14.21
32
26.82
Payout ratio%
13.72
14.50
17.49
19.32
16.70
16.44
18.44
21.27
20.13
21.76
26.27
20.13
17.97
60
957.8
Shares (diluted)M
873.8
760.2
696.6
643.8
631.0
605.8
569.2
578.2
517.1
505.5
918.7
(4.34%)
(5.33%)
49
10.63
Buyback yield%
19.46
19.16
21.08
20.25
18.22
17.42
14.57
15.69
16.37
18.96
12.83
16.37
18.59
68
0.500
D/E ratiox
0.229
0.223
0.245
0.253
0.251
0.287
0.319
0.374
0.415
0.484
1.403
0.374
0.270
12
1.389
Assets$B
2.642
2.794
3.016
3.201
3.580
3.873
4.248
4.688
5.031
5.504
1.965
8.98%
8.72%
94
3.489
LT debt$B
2.531
2.904
3.138
3.671
4.012
4.031
4.298
4.628
5.003
5.729
3.017
7.38%
8.81%
19
Revenue
$3.657B
1.76%
1.00×
Claims and benefits
$2.094B
1.69%
0.99×
Total costs
$3.188B
1.78%
1.00×