2.461
Revenue€B
5.606
5.869
6.038
6.289
6.492
6.717
6.945
7.074
7.329
7.444
2.583
2.77%
3.47%
44
11.32
Revenue growth%
21.13
23.24
24.41
25.29
22.82
23.54
26.14
25.41
25.48
26.90
6.91
25.48
24.85
91
25.69
Combined R.%
79.46
78.64
78.53
80.90
80.90
81.80
79.34
80.39
79.89
80.58
26.94
80.39
80.14
6
5.93
Operating margin%
10.09
8.97
7.45
8.94
9.27
7.34
7.16
5.46
8.42
7.76
29.51
7.34
8.09
53
8.14
Net margin%
5.83
5.44
4.44
5.33
7.45
5.50
7.90
9.46
8.61
6.90
28.19
7.90
6.36
83
28.47
P/E ratio (avg)x
23.32
23.62
25.32
22.32
21.28
22.12
23.39
24.61
22.21
23.61
13.13
23.39
23.35
19
36.49
P/TBVx
8.103
7.989
7.690
6.875
6.472
6.157
5.705
5.666
5.740
5.695
29.66
5.705
6.315
76
6.922
P/Bx
7.383
7.665
8.661
9.399
10.15
10.78
11.22
11.36
11.05
10.89
24.98
11.05
10.47
88
14.04
Prem. grth%
28.49
26.53
29.31
29.58
29.04
26.64
27.94
27.27
29.44
27.96
26.60
27.94
28.23
60
15.93
Invest. yld%
0.81
1.49
0.40
2.66
3.51
1.66
0.40
3.18
2.52
3.32
8.37
2.52
2.09
38
15.73
BVPS grth%
10.19
8.57
10.81
8.82
11.11
8.43
9.39
12.12
12.43
13.36
25.92
12.12
10.50
17
9.72
Return on equity%
13.12
13.93
12.96
13.19
16.16
16.05
15.17
14.22
16.32
14.43
15.08
15.17
14.32
44
14.00
Return on assets%
13.98
15.39
15.16
13.48
16.33
17.29
15.34
15.35
17.46
15.68
15.82
15.68
15.37
16
0.73
EPS€
1.78
1.95
2.14
2.16
2.56
2.54
2.72
3.09
3.27
3.43
0.81
5.98%
8.11%
—
28.51
EPS growth%
24.06
26.18
26.91
26.30
29.07
31.02
30.87
30.89
33.68
33.10
25.78
31.02
29.97
93
0.98
Bookvalue per sh€
0.53
0.50
0.57
0.53
0.56
0.58
0.54
0.60
0.68
0.72
0.30
5.34%
2.44%
—
1.10
TBV/sh€
0.97
1.01
1.15
1.31
1.48
1.58
1.58
1.65
1.74
1.78
1.25
3.74%
7.75%
—
1.54
Dividend per sh€
1.05
1.04
0.96
1.02
1.05
0.98
1.08
1.09
1.13
1.28
0.59
4.05%
2.62%
—
27.17
Div yield (avg)%
17.40
14.68
17.12
17.11
16.59
17.36
14.46
15.21
14.98
15.15
25.66
15.15
15.90
37
10.89
Payout ratio%
13.98
16.31
14.67
12.32
13.70
12.26
10.15
9.86
6.87
3.91
18.96
9.86
12.29
56
2.593
Shares (diluted)B
3.348
3.368
3.454
3.658
3.498
3.492
3.537
3.417
3.434
3.410
2.662
(0.51%)
1.38%
77
17.59
Buyback yield%
7.39
9.59
8.16
7.03
8.33
9.35
8.71
7.69
5.29
5.12
29.00
7.69
7.92
62
1.624
D/E ratiox
2.430
2.689
2.503
2.322
2.269
2.193
2.313
2.086
2.179
2.284
1.774
2.193
2.299
53
7.143
Assets€B
10.64
11.33
12.02
13.35
14.54
15.44
17.67
18.85
21.26
23.76
1.234
10.33%
9.68%
68
4.259
LT debt€B
1.078
1.082
1.019
0.887
0.873
0.934
1.035
0.916
0.930
0.976
8.078
2.26%
(1.04%)
52
Revenue
€7.444B
3.47%
1.00×
Claims and benefits
€3.624B
3.74%
1.03×
Total costs
€5.528B
3.59%
1.01×