0.585
Revenue€B
0.881
0.931
0.987
1.048
1.106
1.145
1.186
1.211
1.274
1.302
0.626
3.33%
4.43%
70
2.55
Revenue growth%
10.42
7.43
6.52
5.83
8.00
6.88
6.05
3.80
4.68
5.36
12.19
5.36
6.28
35
3.82
Combined R.%
92.39
92.20
92.84
93.01
92.19
90.73
93.21
93.26
92.43
93.59
3.91
93.21
92.64
64
8.02
Operating margin%
14.72
13.75
13.84
10.97
10.62
11.73
14.00
14.68
15.27
15.00
4.30
14.68
13.92
44
5.73
Net margin%
33.11
32.32
34.24
33.96
34.96
37.73
40.26
40.05
39.24
40.79
18.09
40.05
36.35
15
7.185
P/E ratio (avg)x
21.63
19.80
19.12
17.94
17.83
19.69
21.98
22.99
20.30
19.63
7.590
20.30
19.75
82
19.41
P/TBVx
37.90
37.04
34.36
37.65
38.49
36.30
33.81
36.04
36.02
37.86
12.49
36.04
36.67
20
35.88
P/Bx
41.09
36.61
32.29
35.68
31.45
30.36
31.61
32.88
32.53
32.27
11.74
32.27
32.41
38
2.65
Prem. grth%
2.41
0.99
0.40
0.40
0.40
1.68
4.20
2.06
4.41
5.81
9.59
4.20
1.87
81
11.11
Invest. yld%
17.64
20.26
19.09
18.66
17.37
16.48
19.32
19.45
16.54
18.84
9.48
18.84
18.75
72
20.55
BVPS grth%
12.85
10.40
12.04
9.64
7.81
9.06
7.71
6.69
7.79
6.97
12.46
7.71
8.43
39
3.21
Return on equity%
1.43
1.84
3.82
1.36
0.40
1.90
0.40
2.51
3.92
5.17
28.53
2.51
1.87
48
25.75
Return on assets%
14.32
14.26
15.71
12.91
13.32
11.35
10.78
12.48
13.98
15.11
4.09
12.48
13.65
90
4.96
EPS€
1.23
1.16
1.08
0.96
0.97
1.03
0.90
0.95
1.00
0.89
5.30
(1.73%)
(3.12%)
—
20.36
EPS growth%
17.22
17.88
15.45
15.24
13.18
15.29
15.81
16.32
14.94
17.15
28.25
15.81
15.63
37
2.16
Bookvalue per sh€
2.67
3.07
3.04
3.17
3.04
3.22
3.32
3.16
3.00
3.03
4.67
(0.04%)
1.16%
—
8.19
TBV/sh€
5.67
6.08
5.47
5.04
4.33
4.28
4.66
4.62
4.96
4.59
1.22
1.19%
(3.40%)
—
5.87
Dividend per sh€
4.91
4.83
4.53
4.88
4.45
4.98
5.08
5.15
5.59
5.45
2.90
4.14%
1.46%
—
8.02
Div yield (avg)%
13.27
16.08
15.69
13.54
10.58
8.39
8.88
6.17
4.74
6.74
4.46
6.74
9.73
66
21.35
Payout ratio%
20.17
19.43
19.34
20.00
21.22
20.06
20.62
17.67
16.34
17.69
18.53
17.69
19.72
60
173.2
Shares (diluted)M
239.0
223.9
212.2
226.6
225.9
206.9
224.1
230.5
258.1
238.6
181.7
1.10%
0.87%
33
7.55
Buyback yield%
23.37
25.23
27.37
28.50
27.76
29.90
30.22
31.83
33.31
35.43
11.63
31.83
29.20
53
1.617
D/E ratiox
0.358
0.369
0.407
0.426
0.430
0.431
0.435
0.458
0.513
0.499
0.563
0.458
0.430
80
0.755
Assets€B
3.581
3.823
4.309
4.406
4.825
5.251
5.846
6.266
7.078
7.325
0.398
8.71%
8.16%
94
0.269
LT debt€B
0.970
0.996
1.003
1.044
0.995
0.974
0.990
0.986
0.991
1.104
0.504
2.10%
1.70%
25
Revenue
€1.302B
4.43%
1.00×
Claims and benefits
€794.4M
4.51%
1.01×
Total costs
€1.111B
4.65%
1.02×