175.7
Revenue€M
341.4
357.0
374.0
394.4
422.5
440.4
473.7
496.9
530.1
561.4
181.3
5.85%
5.77%
28
24.48
Revenue growth%
16.22
13.75
12.35
10.31
7.93
10.86
11.75
12.14
11.00
13.80
27.07
11.75
11.94
89
4.66
Combined R.%
77.42
75.24
75.50
75.32
76.12
75.52
74.36
75.90
76.48
75.46
20.41
75.52
75.51
66
27.99
Operating margin%
24.49
23.31
23.44
21.89
20.70
19.10
17.80
16.27
14.50
13.64
9.56
16.27
19.90
68
11.19
Net margin%
9.20
8.96
6.52
6.35
5.23
5.61
5.60
3.59
2.63
5.20
25.81
5.20
5.60
80
21.90
P/E ratio (avg)x
6.669
6.921
5.934
5.157
5.569
5.352
5.605
5.376
4.656
4.370
28.92
5.352
5.472
85
32.82
P/TBVx
41.13
48.57
58.07
65.38
68.00
67.37
70.14
83.21
97.25
114.1
12.41
83.21
67.68
85
7.729
P/Bx
41.77
40.40
47.08
55.66
54.59
64.17
63.56
62.48
69.38
81.77
31.56
64.17
59.07
8
28.89
Prem. grth%
22.45
22.87
25.70
26.44
26.27
25.26
27.07
24.22
22.33
20.69
15.35
24.22
24.74
52
10.22
Invest. yld%
11.10
12.71
15.28
14.65
14.78
14.42
12.26
13.99
12.63
12.17
24.28
12.63
13.35
47
5.22
BVPS grth%
6.55
8.74
10.49
10.67
10.88
9.85
12.24
9.55
7.37
6.99
3.58
9.55
9.70
56
17.03
Return on equity%
5.97
8.55
9.67
8.40
10.35
9.61
6.69
9.34
7.13
9.25
14.42
9.25
8.90
71
20.32
Return on assets%
3.05
3.15
1.28
3.25
2.00
0.77
0.40
1.01
0.55
2.03
15.31
0.77
1.64
8
0.21
EPS€
0.34
0.32
0.33
0.38
0.39
0.45
0.45
0.44
0.48
0.53
0.22
6.05%
6.10%
—
2.23
EPS growth%
31.33
33.62
34.25
31.26
31.37
29.48
31.21
30.43
29.71
30.21
12.16
30.21
31.24
92
0.23
Bookvalue per sh€
0.07
0.07
0.08
0.08
0.09
0.10
0.11
0.13
0.15
0.17
0.15
14.27%
10.76%
—
0.18
TBV/sh€
0.22
0.22
0.24
0.22
0.21
0.24
0.26
0.26
0.30
0.29
0.16
6.20%
2.19%
—
0.23
Dividend per sh€
0.08
0.08
0.09
0.10
0.12
0.12
0.12
0.12
0.13
0.13
0.04
2.47%
5.47%
—
12.91
Div yield (avg)%
4.50
3.44
2.85
3.61
5.57
8.28
9.43
11.06
9.69
9.63
21.11
9.63
6.92
35
10.35
Payout ratio%
19.08
17.51
15.18
13.25
15.23
15.25
13.23
11.39
11.32
12.85
29.05
12.85
14.22
61
1.101
Shares (diluted)B
1.296
1.347
1.298
1.347
1.420
1.457
1.456
1.607
1.604
1.795
1.113
4.79%
4.64%
10
25.75
Buyback yield%
19.02
17.79
16.65
19.37
22.18
21.13
21.83
22.02
19.64
17.54
4.12
21.13
19.50
32
1.202
D/E ratiox
1.638
1.685
1.776
1.654
1.567
1.469
1.563
1.407
1.203
1.291
1.355
1.407
1.565
26
0.391
Assets€B
1.214
1.309
1.362
1.532
1.706
1.824
1.917
2.035
2.258
2.472
0.277
7.69%
8.30%
66
427.2
LT debt€M
379.7
407.5
468.4
457.9
426.1
401.4
440.1
420.7
438.0
416.8
292.4
(0.44%)
1.40%
73
Revenue
€561.4M
5.77%
1.00×
Claims and benefits
€287.4M
6.08%
1.03×
Total costs
€383.2M
5.94%
1.02×