13.23
Revenue$B
13.13
13.60
14.01
14.70
14.99
15.19
15.59
15.87
16.19
16.47
13.66
1.90%
2.67%
89
12.10
Revenue growth%
1.66
3.63
2.41
4.47
7.05
5.40
4.00
5.26
3.65
5.30
24.22
5.26
4.24
46
22.31
Combined R.%
81.78
80.45
82.36
81.59
82.29
81.48
80.82
79.89
81.85
83.36
5.71
81.48
81.69
46
29.32
Operating margin%
28.02
30.84
28.91
30.87
28.03
29.71
31.12
30.76
29.98
32.50
14.19
30.76
30.37
47
22.43
Net margin%
18.77
15.97
17.18
15.92
14.33
14.89
12.76
12.46
14.71
17.67
28.02
14.71
15.40
62
28.46
P/E ratio (avg)x
9.656
9.529
8.635
8.869
7.976
6.919
6.281
6.556
7.106
6.866
35.09
6.866
7.541
18
20.20
P/TBVx
33.98
31.03
34.25
35.07
38.22
38.09
41.28
44.17
46.82
42.23
31.77
42.23
38.15
77
9.788
P/Bx
31.45
29.38
31.34
29.02
30.30
34.03
33.14
30.42
32.90
37.27
32.07
33.14
31.40
42
19.99
Prem. grth%
20.30
19.87
20.26
21.97
21.79
19.95
22.75
21.47
23.63
21.23
20.62
21.47
21.35
74
24.12
Invest. yld%
12.27
13.99
13.18
11.81
13.44
15.00
13.08
13.06
14.64
17.56
2.32
14.64
13.31
91
13.83
BVPS grth%
7.17
5.50
3.78
6.14
4.42
6.20
6.53
8.37
6.96
7.88
16.82
6.96
6.37
10
12.88
Return on equity%
17.91
20.50
18.42
20.11
17.95
19.86
22.41
25.36
27.61
25.17
20.00
25.17
20.31
42
8.20
Return on assets%
2.42
0.73
0.40
1.30
4.07
6.06
3.85
1.77
1.71
3.96
23.16
3.85
2.09
56
41.80
EPS$
75.01
90.47
101.43
117.51
136.08
137.59
165.18
168.05
170.66
203.63
45.86
8.40%
12.20%
—
17.92
EPS growth%
21.19
21.58
22.81
21.13
23.22
25.76
28.23
27.96
26.39
25.75
13.02
26.39
24.48
14
21.97
Bookvalue per sh$
38.43
39.44
40.16
37.54
35.22
31.14
32.76
31.59
34.67
37.97
6.60
1.52%
0.20%
—
16.10
TBV/sh$
39.37
37.87
41.50
46.98
52.38
56.97
63.17
66.86
66.86
74.89
22.75
7.41%
8.52%
—
27.22
Dividend per sh$
53.85
53.04
53.90
52.61
51.24
51.83
52.21
56.18
57.16
65.54
19.93
5.05%
3.42%
—
17.58
Div yield (avg)%
1.91
4.15
1.35
0.40
1.21
1.32
3.24
1.54
0.40
3.11
20.07
1.54
1.45
19
10.23
Payout ratio%
24.35
24.34
25.61
28.50
31.49
31.11
33.83
32.30
34.74
31.84
21.07
32.30
31.30
77
171.1
Shares (diluted)M
300.8
350.1
404.3
413.0
453.0
532.4
566.8
600.8
697.8
691.9
173.6
8.84%
8.90%
8
27.36
Buyback yield%
27.37
24.98
23.24
25.99
26.74
23.94
22.15
19.43
17.71
16.66
6.55
19.43
23.59
28
0.978
D/E ratiox
1.273
1.279
1.347
1.287
1.267
1.401
1.289
1.414
1.351
1.522
0.717
1.401
1.318
36
9.179
Assets$B
37.01
41.75
44.55
48.06
50.38
53.63
55.54
60.66
65.35
71.60
13.51
7.28%
7.27%
41
1.213
LT debt$B
2.568
3.031
3.382
3.995
4.406
5.090
5.133
6.114
6.628
6.501
5.781
8.09%
11.59%
42
Revenue
$16.47B
2.67%
1.00×
Claims and benefits
$8.230B
2.55%
0.99×
Total costs
$12.67B
2.77%
1.01×