2.697
Revenue$B
6.044
6.117
6.159
6.238
6.343
6.374
6.604
6.801
6.805
7.021
2.844
2.05%
1.85%
38
14.44
Revenue growth%
0.72
0.40
0.40
1.25
1.60
0.40
0.40
0.40
0.40
3.39
4.74
0.40
0.40
64
29.10
Combined R.%
86.31
85.51
87.17
86.83
88.37
86.86
86.88
87.85
87.31
86.75
15.00
86.88
86.87
28
26.79
Operating margin%
20.22
17.59
17.42
19.00
18.06
18.55
21.26
18.39
20.63
18.96
26.19
18.96
18.76
44
3.56
Net margin%
34.12
32.05
32.39
32.06
32.15
34.81
37.62
34.92
36.31
39.19
23.93
36.31
34.46
88
6.096
P/E ratio (avg)x
8.492
8.107
8.563
9.004
9.320
10.42
10.98
11.26
10.03
10.76
35.05
10.76
9.677
42
14.18
P/TBVx
21.47
25.36
28.37
29.99
35.33
39.36
44.82
52.78
57.43
61.69
35.20
52.78
37.35
56
8.535
P/Bx
5.704
5.952
6.139
6.130
5.707
4.916
4.240
4.593
3.977
3.953
33.50
4.240
5.310
6
10.58
Prem. grth%
22.03
19.79
22.55
22.06
20.56
21.93
21.84
22.02
19.24
16.60
3.21
21.84
21.88
46
15.30
Invest. yld%
4.60
3.88
5.90
8.00
8.03
10.20
11.70
9.38
7.09
6.00
3.45
9.38
7.55
21
4.77
BVPS grth%
2.18
0.78
0.40
0.40
0.40
0.40
2.17
3.48
3.56
3.68
21.45
3.48
1.47
17
11.09
Return on equity%
15.54
18.17
20.31
21.14
23.88
23.30
25.80
23.33
22.75
20.68
4.89
23.30
21.95
62
22.53
Return on assets%
30.48
28.67
27.49
27.71
27.06
24.23
24.06
24.49
26.16
26.93
27.58
24.49
26.99
46
20.09
EPS$
41.18
45.67
42.31
42.69
43.26
38.38
37.36
37.42
37.00
40.85
20.67
(1.14%)
0.12%
—
10.11
EPS growth%
26.58
28.09
28.59
28.02
25.39
27.98
26.67
28.36
27.18
24.43
15.54
27.18
27.58
79
6.37
Bookvalue per sh$
17.26
16.49
17.41
20.54
22.25
25.41
27.90
30.05
32.24
31.21
9.32
7.00%
6.92%
—
11.02
TBV/sh$
47.72
54.96
56.71
58.82
58.38
61.78
67.17
64.45
61.78
62.79
26.32
1.47%
3.69%
—
37.41
Dividend per sh$
61.47
62.59
74.81
74.26
85.21
97.68
98.71
118.31
140.49
152.96
39.90
12.41%
10.48%
—
21.44
Div yield (avg)%
13.55
14.72
15.07
13.82
14.14
12.29
13.84
11.42
13.59
15.60
3.59
13.59
13.83
65
29.88
Payout ratio%
8.17
6.29
7.90
7.98
7.68
6.40
8.08
6.97
7.17
4.73
7.84
6.97
7.43
54
89.01
Shares (diluted)M
98.01
107.9
117.4
134.6
146.0
159.6
178.6
165.8
173.3
186.1
85.40
4.97%
6.42%
16
2.02
Buyback yield%
23.87
22.86
24.25
25.67
27.59
28.91
30.29
28.85
27.87
28.54
24.29
28.85
27.73
45
0.110
D/E ratiox
1.948
2.079
2.425
2.793
2.703
2.708
2.744
3.114
3.517
3.652
0.826
3.114
2.726
91
4.651
Assets$B
8.713
9.659
10.52
11.94
12.58
14.25
15.23
16.35
17.49
19.51
2.751
9.17%
8.92%
85
1.854
LT debt$B
7.463
8.352
9.244
8.826
9.023
10.36
10.68
10.30
11.05
12.59
2.361
6.89%
6.69%
26
Revenue
$7.021B
1.85%
1.00×
Claims and benefits
$3.814B
1.88%
1.00×
Total costs
$5.526B
1.61%
0.98×