15.06
Revenue€M
16.68
17.66
19.33
21.11
22.46
24.38
25.61
26.81
28.50
31.01
15.51
6.67%
7.25%
31
4.44
Revenue growth%
25.45
23.90
21.45
24.43
21.66
19.99
21.96
19.19
21.73
21.05
18.26
21.05
21.70
29
3.71
Combined R.%
93.25
92.28
94.46
92.34
91.13
93.60
92.53
92.68
90.46
92.90
5.53
92.68
92.61
78
27.91
Operating margin%
27.78
28.10
28.33
30.76
28.87
30.37
27.40
24.75
23.07
24.97
5.43
24.97
27.94
46
7.80
Net margin%
5.13
3.40
0.90
0.40
0.40
1.45
2.90
0.40
0.71
0.97
26.54
0.97
0.93
83
29.05
P/E ratio (avg)x
21.37
21.21
20.58
18.06
16.51
14.92
13.69
12.07
10.95
11.18
14.08
12.07
15.71
9
35.32
P/TBVx
26.09
22.73
22.74
23.55
24.46
22.45
19.83
17.08
18.13
19.07
19.70
19.07
22.59
17
16.66
P/Bx
29.93
29.44
31.82
35.53
40.43
43.81
48.00
54.29
54.27
54.06
37.54
54.06
42.12
59
25.02
Prem. grth%
24.08
27.04
29.66
27.22
26.85
26.80
28.40
29.83
27.78
25.04
29.08
27.78
27.13
7
2.90
Invest. yld%
6.47
8.30
11.11
11.69
13.20
15.02
16.17
14.21
13.67
16.54
16.77
15.02
13.44
79
4.11
BVPS grth%
16.54
14.08
16.75
16.57
18.03
19.09
19.97
17.55
20.07
19.02
10.35
19.09
17.79
25
12.04
Return on equity%
18.67
20.74
21.08
20.05
19.16
18.80
17.88
18.08
19.15
22.08
2.19
18.80
19.16
36
24.23
Return on assets%
20.17
22.53
21.52
22.12
21.60
21.23
20.65
20.58
19.97
21.09
29.71
20.65
21.16
7
0.28
EPS€
0.12
0.12
0.13
0.13
0.13
0.14
0.14
0.15
0.16
0.18
0.29
6.99%
5.29%
—
14.62
EPS growth%
13.05
15.72
14.16
11.59
13.29
15.89
17.60
20.34
20.42
21.90
13.88
20.34
15.81
18
0.51
Bookvalue per sh€
0.20
0.21
0.19
0.20
0.18
0.18
0.19
0.17
0.18
0.19
0.69
0.54%
(1.29%)
—
0.16
TBV/sh€
0.86
0.93
0.86
0.88
0.99
1.07
1.11
1.27
1.21
1.37
0.11
6.65%
5.91%
—
0.16
Dividend per sh€
0.11
0.11
0.09
0.09
0.09
0.09
0.10
0.08
0.08
0.08
0.46
(2.13%)
(4.60%)
—
14.71
Div yield (avg)%
14.92
17.07
17.92
18.93
19.02
17.37
19.12
19.39
19.87
16.98
12.51
19.12
18.42
51
5.53
Payout ratio%
2.66
1.23
0.40
0.40
2.29
2.37
0.61
0.40
0.40
1.02
4.56
0.61
0.82
35
18.24
Shares (diluted)M
18.72
20.07
17.77
16.88
16.47
15.32
16.32
14.77
15.32
15.28
19.10
(1.49%)
(1.37%)
35
28.15
Buyback yield%
6.05
6.40
6.80
9.25
9.43
11.75
13.94
13.58
15.17
17.03
2.52
13.94
10.59
52
0.604
D/E ratiox
1.725
2.022
2.138
2.493
2.902
3.186
3.158
3.407
3.834
4.157
1.658
3.407
3.030
22
12.84
Assets€M
119.3
131.8
138.6
149.5
161.8
171.7
188.8
201.2
227.7
246.5
2.243
8.78%
8.68%
42
8.745
LT debt€M
18.47
17.96
18.26
17.35
16.67
18.23
19.46
21.17
22.35
22.40
7.596
6.09%
0.90%
11
Revenue
€31.01M
7.25%
1.00×
Claims and benefits
€18.71M
7.28%
1.00×
Total costs
€26.10M
7.28%
1.00×