Overview Financials News + Filings Key Docs Charts Holdings Ownership Insiders
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| In millions, except per share items | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Revenues: |
| Retail | 74,044.0 | 67,298.0 | 56,466.0 | 48,255.0 | 44,726.0 | 43,319.0 | 41,735.0 | 39,588.0 |
| Healthcare Services | 31,242.0 | 28,448.0 | 25,783.0 | 23,811.0 | 23,958.0 | 25,312.0 | 23,776.0 | 20,200.0 |
| Other Businesses | 5,109.0 | 4,223.0 | 2,898.0 | 136.0 | 130.0 | 114.0 | 125.0 | 120.0 |
| Total revenues | 83,064.0 | 77,155.0 | 64,888.0 | 56,912.0 | 53,767.0 | 54,379.0 | 54,289.0 | 48,500.0 |
| Revenue growth | 7.7% | 18.9% | 14.0% | 5.8% | -1.1% | 0.2% | 11.9% | 17.4% |
| Loss and loss adjustment expenses | 69,199.0 | 61,628.0 | 53,857.0 | 45,882.0 | 43,496.0 | 45,007.0 | 44,269.0 | 38,166.0 |
| Policy acquisition costs | | | | | | 67.0 | 63.0 | 39.0 |
| Other operating expenses | 10,120.0 | 10,570.0 | 7,319.0 | 8,738.0 | 6,009.0 | 7,564.0 | 7,340.0 | 7,933.0 |
| Equity in earnings | 65.0 | 74.0 | 14.0 | 11.0 | | | | |
| EBITDA | 3,926.0 | 5,676.0 | 3,781.0 | 3,645.0 | 4,747.0 | 2,206.0 | 2,794.0 | 2,811.0 |
| EBITDA margin | 4.7% | 7.4% | 5.8% | 6.4% | 8.8% | 4.1% | 5.1% | 5.8% |
| Depreciation | 640.0 | 528.0 | 505.0 | 444.0 | 410.0 | 388.0 | 354.0 | 328.0 |
| EBITA | 3,286.0 | 5,148.0 | 3,276.0 | 3,201.0 | 4,337.0 | 1,818.0 | 2,440.0 | 2,483.0 |
| EBITA margin | 4.0% | 6.7% | 5.0% | 5.6% | 8.1% | 3.3% | 4.5% | 5.1% |
| Amortization of intangibles | 73.0 | 88.0 | 70.0 | 90.0 | 75.0 | 77.0 | 93.0 | 121.0 |
| EBIT | 3,213.0 | 5,060.0 | 3,206.0 | 3,111.0 | 4,262.0 | 1,741.0 | 2,347.0 | 2,362.0 |
| EBIT margin | 3.9% | 6.6% | 4.9% | 5.5% | 7.9% | 3.2% | 4.3% | 4.9% |
| Interest expense, net [+] | 326.0 | 283.0 | 242.0 | 1,255.0 | 242.0 | 189.0 | 186.0 | -185.0 |
| Interest expense | 326.0 | 283.0 | 242.0 | 218.0 | 242.0 | 189.0 | 186.0 | 192.0 |
| Interest income | | | | -1,037.0 | | | | 377.0 |
| Other income (expense), net | 532.0 | -103.0 | 506.0 | -33.0 | | | | |
| Pre-tax income | 3,419.0 | 4,674.0 | 3,470.0 | 2,074.0 | 4,020.0 | 1,552.0 | 2,431.0 | 2,170.0 |
| Income taxes | 485.0 | 1,307.0 | 763.0 | 391.0 | 1,572.0 | 938.0 | 1,155.0 | 1,023.0 |
| Tax rate | 14.2% | 28.0% | 22.0% | 18.9% | 39.1% | 60.4% | 47.5% | 47.1% |
| Minority interest | 1.0 | | | | | | | |
| Net income | 2,933.0 | 3,367.0 | 2,707.0 | 1,683.0 | 2,448.0 | 614.0 | 1,276.0 | 1,147.0 |
| Net margin | 3.5% | 4.4% | 4.2% | 3.0% | 4.6% | 1.1% | 2.4% | 2.4% |
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| Basic EPS | $22.79 | $25.47 | $20.19 | $12.24 | $16.94 | $4.11 | $8.54 | $7.44 |
| Diluted EPS | $22.67 | $25.31 | $20.09 | $12.16 | $16.81 | $4.07 | $8.44 | $7.36 |
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| Shares outstanding (basic) | 128.7 | 132.2 | 134.1 | 137.5 | 144.5 | 149.4 | 149.5 | 154.2 |
| Shares outstanding (diluted) | 129.4 | 133.0 | 134.7 | 138.4 | 145.6 | 150.9 | 151.1 | 155.9 |
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| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |
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