3.251
Revenue$B
3.047
3.092
3.237
3.364
3.461
3.589
3.736
3.819
3.879
3.909
3.540
2.47%
2.91%
76
16.78
Revenue growth%
31.18
34.11
36.60
33.77
31.77
29.26
30.96
31.95
32.18
29.72
17.69
30.96
31.86
70
16.93
Combined R.%
91.41
90.34
91.10
91.81
91.02
91.58
90.80
91.62
90.88
90.04
26.76
90.88
91.06
34
15.65
Operating margin%
11.89
12.09
13.81
13.38
14.59
15.79
17.80
18.99
19.99
19.98
6.95
18.99
15.19
88
5.91
Net margin%
28.56
28.86
30.41
28.24
29.96
27.44
25.76
23.78
25.74
23.58
26.69
25.74
27.84
37
6.978
P/E ratio (avg)x
11.09
12.09
12.02
12.85
13.40
15.25
16.06
16.93
16.12
18.11
19.09
16.12
14.33
78
9.854
P/TBVx
37.18
33.94
31.61
35.22
32.29
36.17
33.73
33.96
34.96
35.39
23.48
34.96
34.46
32
27.80
P/Bx
17.06
18.94
19.76
21.97
20.39
21.35
21.03
22.76
22.39
23.41
27.23
22.39
21.19
76
26.20
Prem. grth%
22.80
24.81
24.55
25.78
26.45
23.94
24.30
25.67
25.55
26.63
20.51
25.55
25.18
79
16.51
Invest. yld%
3.35
1.07
0.40
0.40
0.40
1.55
1.81
2.03
1.86
4.01
21.45
1.86
1.68
78
8.29
BVPS grth%
6.96
6.44
4.16
3.14
4.08
5.77
3.68
5.87
3.19
5.36
20.44
5.36
4.76
24
3.38
Return on equity%
16.24
13.78
11.00
10.02
8.66
9.59
11.46
12.96
13.56
13.77
29.00
12.96
12.21
72
4.51
Return on assets%
14.71
15.95
13.95
14.53
17.38
20.33
21.35
22.59
22.31
24.22
21.65
22.31
18.86
93
2.97
EPS$
13.71
14.05
15.50
17.87
20.60
21.65
21.28
22.35
25.28
30.07
3.05
7.86%
9.29%
—
8.29
EPS growth%
10.31
8.82
6.69
8.92
6.41
8.15
5.27
4.55
2.31
4.33
3.45
4.55
6.55
15
7.22
Bookvalue per sh$
6.42
7.59
8.00
8.08
8.17
9.67
10.94
12.22
11.86
11.83
1.73
7.68%
7.12%
—
4.26
TBV/sh$
5.35
4.68
4.76
5.13
5.06
5.50
5.10
4.69
4.16
4.05
4.56
(4.34%)
(2.35%)
—
4.19
Dividend per sh$
5.18
6.18
6.55
6.98
6.92
7.86
8.54
8.89
10.64
12.47
1.66
12.52%
11.10%
—
26.06
Div yield (avg)%
7.70
5.35
7.89
5.31
2.74
3.87
2.90
0.47
0.40
2.69
8.18
2.69
3.39
26
5.17
Payout ratio%
10.99
12.11
13.41
11.45
10.30
12.86
11.92
10.62
11.61
12.04
13.87
11.92
11.76
79
122.6
Shares (diluted)M
142.5
140.0
149.6
162.3
175.6
163.3
155.0
153.4
153.5
152.1
118.9
(2.84%)
0.49%
61
27.64
Buyback yield%
33.31
32.36
33.68
31.25
31.22
32.00
31.29
33.53
36.04
38.23
19.24
33.53
32.83
12
0.678
D/E ratiox
2.232
2.370
2.685
2.618
2.681
2.645
2.891
3.093
3.012
3.201
0.544
3.012
2.683
60
2.180
Assets$B
10.91
11.90
12.64
14.02
15.43
16.68
18.12
20.50
20.95
22.11
0.426
7.46%
8.39%
47
1.592
LT debt$B
1.554
1.420
1.308
1.332
1.365
1.289
1.343
1.531
1.574
1.432
3.124
0.96%
(0.84%)
29
Revenue
$3.909B
2.91%
1.00×
Claims and benefits
$2.210B
2.97%
1.01×
Total costs
$3.234B
2.80%
0.99×