43.01
Revenue€M
68.11
70.70
75.22
78.27
82.35
86.02
91.28
96.29
99.14
105.0
44.14
4.97%
4.76%
74
8.67
Revenue growth%
15.06
14.55
13.45
11.00
13.00
13.20
15.56
14.69
16.14
14.51
20.42
14.69
14.53
31
8.22
Combined R.%
85.07
86.59
87.81
85.54
85.86
85.14
86.50
86.95
86.12
85.11
21.01
86.12
85.99
14
20.46
Operating margin%
26.29
26.02
23.16
25.72
24.08
24.03
25.37
28.06
26.74
29.60
12.27
26.74
25.87
92
20.03
Net margin%
8.41
9.49
10.82
12.16
11.30
9.95
10.39
7.61
5.30
6.78
15.48
7.61
9.72
23
18.50
P/E ratio (avg)x
29.52
30.27
29.70
33.94
37.49
42.79
50.70
51.62
50.73
59.27
8.126
50.73
40.14
39
8.553
P/TBVx
9.449
8.672
9.265
10.37
10.77
10.57
10.36
11.54
11.40
12.16
31.92
11.40
10.47
80
32.62
P/Bx
16.16
15.25
14.83
16.86
15.74
15.13
16.38
18.02
18.83
21.74
12.33
18.02
16.27
76
13.46
Prem. grth%
6.18
7.92
7.36
9.95
9.08
8.09
5.66
3.85
4.20
5.79
26.18
5.66
6.77
11
26.03
Invest. yld%
10.78
10.99
8.12
10.07
12.11
14.35
15.02
12.36
13.41
13.37
7.05
13.41
12.23
37
4.77
BVPS grth%
9.12
6.28
7.54
8.75
7.73
9.32
7.64
6.78
6.52
7.48
2.03
7.48
7.59
89
11.56
Return on equity%
2.00
4.25
1.83
3.57
6.46
3.47
1.70
1.48
3.60
1.03
8.70
1.70
2.74
47
16.64
Return on assets%
24.53
26.29
28.05
25.37
25.65
26.33
24.72
27.09
26.67
24.59
17.88
26.33
25.97
10
4.59
EPS€
3.02
3.39
3.26
3.17
3.54
4.05
4.73
4.73
4.99
5.74
4.79
10.12%
7.83%
—
21.49
EPS growth%
7.14
8.62
6.69
3.77
1.05
3.43
1.91
0.59
0.40
0.54
5.00
0.59
2.67
12
3.89
Bookvalue per sh€
3.93
4.26
4.44
5.20
5.57
5.77
6.55
6.22
6.97
7.03
3.41
4.77%
5.56%
—
2.10
TBV/sh€
7.73
7.34
8.32
9.15
9.25
10.70
10.42
10.18
9.78
10.93
5.31
3.39%
4.30%
—
3.34
Dividend per sh€
8.40
9.07
10.53
11.49
11.80
13.29
14.72
14.43
14.10
14.35
4.48
3.98%
7.18%
—
16.28
Div yield (avg)%
13.25
10.63
11.69
13.02
12.06
9.56
11.52
13.40
10.86
12.41
12.62
11.52
11.87
70
21.86
Payout ratio%
27.75
30.48
28.37
25.79
27.22
25.83
27.86
24.94
22.40
20.76
23.25
24.94
26.53
25
28.89
Shares (diluted)M
35.11
38.61
40.41
45.29
48.63
45.77
45.08
43.39
39.36
44.07
28.63
(1.95%)
2.26%
63
23.69
Buyback yield%
8.57
9.65
9.98
11.91
12.59
11.42
11.78
14.59
12.53
12.67
17.50
12.53
11.84
42
1.070
D/E ratiox
1.360
1.422
1.475
1.672
1.717
1.850
1.970
1.849
2.028
2.060
0.521
1.970
1.783
27
83.98
Assets€M
221.7
241.2
253.2
279.3
305.8
347.7
360.3
391.2
435.7
475.3
90.26
9.22%
9.06%
62
64.10
LT debt€M
48.67
54.36
56.29
56.68
59.90
63.84
74.11
86.43
88.12
87.86
21.04
7.96%
8.01%
37
Revenue
€105.0M
4.76%
1.00×
Claims and benefits
€56.54M
4.51%
0.98×
Total costs
€81.73M
4.70%
0.99×