977.1
RevenueRp B
1,063
1,151
1,259
1,383
1,481
1,571
1,679
1,833
2,018
2,130
1,068
7.54%
8.10%
44
22.80
Revenue growth%
27.85
25.71
25.38
23.91
22.59
21.16
20.60
21.82
24.46
25.96
27.72
21.82
24.19
73
26.76
Combined R.%
79.18
78.34
79.60
79.33
80.51
78.79
79.11
80.00
79.07
78.87
2.51
79.07
79.15
24
28.69
Operating margin%
33.90
36.82
39.10
40.85
40.18
41.76
44.00
43.15
42.01
39.43
9.95
42.01
40.51
83
28.44
Net margin%
12.34
12.05
13.87
16.77
14.49
17.31
15.92
16.10
14.96
16.72
6.37
16.10
15.44
61
28.74
P/E ratio (avg)x
17.04
14.79
14.00
12.95
12.38
11.58
10.00
10.53
9.284
8.371
14.49
10.00
11.98
85
13.93
P/TBVx
33.04
34.61
37.45
39.61
39.03
42.45
46.34
47.35
47.06
56.37
36.25
47.06
41.03
91
13.12
P/Bx
29.23
32.94
29.97
32.65
33.29
31.91
36.25
35.63
38.53
43.46
9.452
36.25
33.12
24
9.23
Prem. grth%
10.98
13.90
14.01
11.07
12.76
14.83
16.91
14.09
15.41
13.79
2.54
14.83
13.95
8
24.53
Invest. yld%
17.45
19.81
17.17
19.81
21.38
19.84
20.12
17.30
14.98
16.33
7.97
17.30
18.63
77
16.09
BVPS grth%
17.27
14.52
17.42
19.11
18.84
21.81
24.61
26.56
28.87
26.75
28.79
26.56
20.46
91
28.58
Return on equity%
36.21
36.17
34.48
35.08
36.50
33.64
36.60
33.72
34.42
34.38
22.46
34.38
34.78
11
18.50
Return on assets%
10.88
9.32
7.48
7.53
9.82
8.54
7.80
5.65
4.34
5.38
14.17
5.65
7.66
80
37.95
EPSRp
70.71
71.27
69.27
71.94
76.62
84.29
80.17
85.27
84.85
79.99
39.99
0.87%
1.96%
—
13.15
EPS growth%
0.65
0.40
0.40
1.96
1.90
1.97
4.75
3.21
1.00
2.60
2.46
2.60
1.93
18
16.50
Bookvalue per shRp
65.56
75.80
79.61
85.42
87.96
86.27
94.67
108.40
104.59
112.57
41.66
5.06%
5.72%
—
71.93
TBV/shRp
38.17
36.75
32.81
34.01
33.55
33.44
35.91
38.37
40.49
40.18
57.61
3.68%
(0.55%)
—
19.40
Dividend per shRp
29.51
30.96
33.92
35.35
41.34
48.56
54.52
58.26
59.26
65.53
53.06
9.65%
9.62%
—
9.83
Div yield (avg)%
28.30
30.10
32.31
35.15
36.49
35.36
32.66
29.68
27.50
30.14
20.15
30.14
31.23
21
22.56
Payout ratio%
4.67
2.70
4.61
1.66
2.56
5.20
4.02
4.54
6.21
9.02
26.99
5.20
4.57
87
11.78
Shares (diluted)B
11.93
11.71
12.08
12.99
14.80
15.46
14.78
15.09
17.16
17.21
12.02
3.07%
4.28%
61
13.41
Buyback yield%
26.18
23.95
24.55
24.24
26.69
29.33
29.75
28.99
26.62
24.46
3.48
28.99
26.40
81
0.448
D/E ratiox
0.348
0.358
0.354
0.381
0.430
0.446
0.474
0.524
0.583
0.521
1.171
0.521
0.438
16
1,261
AssetsRp B
452.5
496.5
517.8
593.4
615.6
672.5
752.4
808.3
904.1
1,004
655.5
10.27%
8.95%
91
378.0
LT debtRp B
56.58
52.76
51.26
46.94
47.78
47.21
40.37
37.41
33.06
29.11
688.0
(9.44%)
(6.64%)
12
Claims and benefits
8.25%
1.01×
Return on capital
116.60%