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CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) - USD ($)
shares in Millions, $ in Millions
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Interest income $ 14 $ 18
Total revenues 1,226 1,292
Insurance costs 856 942
Cost of providing services 70 71
Sales and marketing 69 67
General and administrative 59 46
Systems development and programming 19 20
Depreciation and amortization of intangible assets 17 17
Interest expense, bank fees and other 13 14
Total costs and operating expenses 1,103 1,177
Income before tax 123 115
Income taxes 34 30
Net income 89 85
Other comprehensive income, net of income taxes (2) 2
Comprehensive income $ 87 $ 87
Net income per share:    
Basic (in dollars per share) $ 1.90 $ 1.72
Diluted (in dollars per share) $ 1.90 $ 1.71
Weighted average shares:    
Basic (in shares) 47 49
Diluted (in shares) 47 49
Professional service revenues    
Service revenues $ 189 $ 209
Insurance service revenues    
Service revenues $ 1,023 $ 1,065