0.765
Revenue$B
1.040
1.044
1.068
1.079
1.097
1.147
1.169
1.181
1.239
1.243
0.790
2.54%
2.22%
7
4.55
Revenue growth%
31.25
31.40
30.11
30.91
32.63
30.02
30.92
33.77
35.65
36.93
16.04
33.77
31.32
41
20.57
Combined R.%
85.32
84.32
84.66
86.23
85.76
86.23
86.05
85.92
86.04
86.73
7.96
86.05
85.98
26
19.16
Operating margin%
10.90
11.59
10.46
9.81
11.22
11.48
13.76
10.98
8.36
9.01
12.35
10.98
10.94
39
20.99
Net margin%
16.80
15.74
18.46
17.05
18.67
20.95
19.38
19.57
20.50
19.31
14.40
19.57
18.99
64
13.92
P/E ratio (avg)x
10.73
11.19
10.31
9.718
10.39
10.89
9.981
9.376
9.180
9.258
21.86
9.376
10.15
53
31.97
P/TBVx
35.92
39.95
46.92
46.10
51.37
50.70
49.84
51.51
55.27
63.41
19.30
51.51
50.27
70
29.57
P/Bx
23.00
21.71
21.19
21.78
21.94
24.63
23.33
24.62
23.03
24.57
7.477
24.57
23.02
6
16.78
Prem. grth%
3.04
0.53
0.40
0.40
0.40
2.43
1.69
1.18
0.40
2.66
20.12
1.69
0.86
51
11.93
Invest. yld%
12.75
14.18
16.30
15.76
16.17
17.92
20.20
20.66
23.58
20.97
10.05
20.66
17.11
31
15.14
BVPS grth%
17.05
19.26
17.29
17.23
17.63
20.55
17.83
15.68
14.76
16.89
7.25
16.89
17.26
65
11.97
Return on equity%
3.64
5.72
3.41
2.02
3.14
4.27
2.22
1.19
1.75
0.40
4.43
1.75
2.68
38
3.38
Return on assets%
31.05
32.26
31.03
29.79
30.36
31.38
31.91
33.99
35.75
38.13
7.20
33.99
31.65
75
1.71
EPS$
2.55
2.80
2.69
2.52
2.76
2.66
2.48
2.65
2.69
2.63
1.86
(0.93%)
(0.02%)
—
22.87
EPS growth%
24.82
23.89
24.64
25.59
26.86
27.30
29.29
30.00
30.21
33.19
8.29
30.00
27.08
40
1.44
Bookvalue per sh$
8.37
9.57
10.97
10.58
12.28
12.83
14.60
14.96
17.44
18.95
1.89
9.06%
10.41%
—
1.77
TBV/sh$
4.85
4.92
5.60
6.20
6.87
6.77
7.32
8.32
8.89
9.07
1.45
5.71%
5.74%
—
0.81
Dividend per sh$
1.55
1.58
1.44
1.34
1.32
1.40
1.47
1.42
1.48
1.46
2.57
2.05%
(0.76%)
—
7.85
Div yield (avg)%
10.35
10.04
8.08
8.75
7.14
9.70
10.28
7.61
10.05
12.65
17.08
10.05
9.87
76
2.62
Payout ratio%
24.66
23.86
21.24
22.72
22.88
20.97
19.72
20.93
21.88
19.74
13.40
20.93
21.56
6
0.342
Shares (diluted)B
0.425
0.473
0.535
0.571
0.585
0.688
0.792
0.879
0.871
1.038
0.341
12.14%
9.00%
68
15.57
Buyback yield%
16.83
18.19
19.20
21.31
20.16
19.19
17.13
15.05
16.71
14.24
27.50
16.71
17.66
46
0.395
D/E ratiox
0.204
0.223
0.204
0.224
0.243
0.230
0.243
0.261
0.290
0.273
1.617
0.261
0.236
53
1.101
Assets$B
3.532
3.715
4.189
4.511
4.795
5.283
5.679
6.309
7.052
7.744
0.622
10.06%
8.96%
49
115.9
LT debt$M
539.0
561.8
581.1
638.2
657.6
625.3
577.2
628.4
576.2
627.4
447.9
(0.94%)
1.96%
60
Revenue
$1.243B
2.22%
1.00×
Claims and benefits
$609.2M
2.02%
0.98×
Total costs
$996.2M
2.51%
1.03×