0.706
Revenue€B
3.289
3.398
3.539
3.630
3.692
3.775
3.882
3.998
4.159
4.305
0.738
3.12%
3.21%
24
23.52
Revenue growth%
10.24
8.05
9.65
10.07
7.61
5.29
2.36
1.94
4.91
2.19
16.51
2.36
6.45
93
22.41
Combined R.%
85.56
85.66
86.06
88.16
85.52
85.95
87.62
86.97
87.83
88.60
13.66
87.62
86.51
66
23.33
Operating margin%
33.31
31.01
33.50
31.69
34.05
36.31
38.40
38.15
41.11
38.64
9.80
38.40
35.18
60
2.31
Net margin%
26.33
25.80
24.66
24.91
22.42
22.22
19.82
22.48
25.34
27.43
15.20
22.48
24.79
56
24.04
P/E ratio (avg)x
34.05
31.54
27.92
27.49
29.12
28.59
26.22
24.70
27.33
25.58
27.37
26.22
27.70
49
19.23
P/TBVx
38.02
37.82
43.40
46.77
44.41
48.38
50.82
50.30
47.81
47.02
6.050
48.38
46.89
64
30.47
P/Bx
28.19
28.49
32.45
32.15
33.86
39.16
41.01
40.61
44.23
42.97
27.72
41.01
36.51
50
6.32
Prem. grth%
22.55
21.05
22.25
22.70
20.17
19.98
20.55
21.40
23.63
25.61
8.07
21.40
21.83
60
28.64
Invest. yld%
4.79
6.40
6.56
7.11
5.11
5.57
8.04
5.67
4.39
4.73
15.12
5.57
5.62
39
21.12
BVPS grth%
18.70
15.78
14.29
13.43
13.60
14.45
14.53
13.07
15.61
12.76
6.57
14.45
14.37
10
26.26
Return on equity%
4.50
6.63
3.70
2.62
0.40
2.73
4.60
3.38
6.38
5.43
17.81
4.60
4.10
32
29.71
Return on assets%
26.26
23.79
26.16
23.80
23.95
22.06
23.40
21.31
22.64
20.19
8.29
22.06
23.59
37
0.93
EPS€
0.32
0.29
0.26
0.26
0.26
0.27
0.25
0.26
0.26
0.25
1.02
(0.42%)
(3.37%)
—
5.04
EPS growth%
26.01
27.53
24.61
25.46
22.84
23.92
22.84
19.93
17.15
17.25
15.05
19.93
23.38
38
0.24
Bookvalue per sh€
1.04
1.15
1.25
1.28
1.47
1.63
1.82
2.04
2.33
2.46
0.40
10.86%
10.20%
—
1.01
TBV/sh€
0.56
0.52
0.55
0.50
0.45
0.43
0.44
0.46
0.45
0.47
0.34
0.70%
(1.89%)
—
1.05
Dividend per sh€
1.98
2.37
2.72
3.23
3.35
3.56
3.55
3.95
4.14
4.87
0.94
7.74%
11.36%
—
16.25
Div yield (avg)%
6.84
5.33
2.79
5.71
8.56
6.01
4.36
2.47
4.78
2.68
13.77
4.36
5.06
39
25.56
Payout ratio%
12.66
11.50
12.29
13.90
11.52
10.67
11.34
9.70
10.55
9.56
22.34
10.55
11.42
70
1.454
Shares (diluted)B
1.455
1.386
1.519
1.732
1.879
2.131
2.277
2.655
3.038
3.146
1.475
10.86%
8.04%
38
9.70
Buyback yield%
15.38
13.64
13.17
14.29
12.60
9.86
12.04
12.18
13.45
13.12
28.80
12.18
13.14
11
1.620
D/E ratiox
1.043
1.196
1.283
1.470
1.627
1.738
1.897
1.952
1.984
2.101
1.663
1.952
1.682
30
1.622
Assets€B
5.401
5.724
6.250
6.634
7.177
7.906
8.594
9.261
10.04
10.66
0.756
8.24%
7.93%
19
3,137
LT debt€M
452.7
440.9
443.0
517.1
489.3
488.5
515.1
568.1
605.5
651.1
226.7
5.88%
3.87%
78
Revenue
€4.305B
3.21%
1.00×
Claims and benefits
€2.620B
3.42%
1.02×
Total costs
€3.462B
3.37%
1.02×