30.04
RevenueRp B
47.67
48.29
49.17
48.92
49.18
49.13
49.67
50.43
51.54
52.17
31.02
1.19%
1.17%
26
4.98
Revenue growth%
25.63
24.02
26.70
25.80
23.08
21.67
21.87
20.15
19.28
16.60
4.47
20.15
22.48
59
14.69
Combined R.%
83.72
83.45
83.58
81.66
82.59
81.65
83.79
82.74
82.57
82.92
5.29
82.74
82.83
94
27.27
Operating margin%
19.87
21.04
22.85
22.17
20.29
23.14
20.70
19.20
19.11
20.75
25.78
20.70
20.72
41
3.09
Net margin%
5.48
5.75
6.09
8.03
8.84
6.88
6.58
5.81
3.41
3.00
20.58
5.81
5.95
84
10.42
P/E ratio (avg)x
32.37
29.59
30.83
33.16
34.56
31.72
33.46
30.73
33.73
35.70
27.34
33.46
32.76
18
28.70
P/TBVx
9.762
10.47
12.02
13.98
16.54
18.45
20.88
24.41
27.16
27.36
35.92
24.41
17.49
30
32.06
P/Bx
12.96
12.25
13.91
15.03
15.76
17.71
19.10
19.03
20.97
22.98
29.18
19.10
16.73
67
28.17
Prem. grth%
3.88
4.71
3.01
1.86
4.84
4.19
2.03
0.44
0.40
0.40
19.33
0.44
2.52
14
14.74
Invest. yld%
26.71
28.01
28.30
30.34
33.10
35.12
36.95
35.71
38.03
36.14
8.57
36.14
34.11
57
16.00
BVPS grth%
38.50
35.53
33.85
31.89
34.80
34.85
32.51
35.10
35.09
34.01
27.46
34.85
34.83
11
13.85
Return on equity%
12.55
12.39
9.48
6.93
6.73
4.86
3.81
5.65
3.48
2.52
6.81
3.81
6.19
16
3.78
Return on assets%
6.28
5.65
3.57
3.41
5.71
7.32
5.85
8.60
10.90
10.03
8.97
8.60
6.06
26
9.51
EPSRp
14.46
14.05
15.64
15.88
17.06
16.91
19.12
19.56
21.82
22.25
10.43
5.46%
5.03%
—
3.84
EPS growth%
28.61
27.64
26.21
24.89
23.07
23.31
20.89
18.88
19.48
20.69
23.08
20.69
23.19
84
27.60
Bookvalue per shRp
23.04
24.92
25.83
24.48
22.96
22.13
20.69
23.48
27.40
30.36
34.72
5.74%
4.00%
—
10.66
TBV/shRp
55.06
62.98
61.21
69.97
81.45
79.75
84.08
85.53
80.71
93.56
43.15
2.81%
6.77%
—
27.71
Dividend per shRp
22.00
22.20
25.14
27.74
27.59
30.47
30.31
28.87
33.52
38.82
34.17
7.07%
7.35%
—
26.66
Div yield (avg)%
25.10
26.95
27.59
26.81
23.96
25.26
24.72
26.38
27.73
26.09
13.08
26.09
26.24
66
21.32
Payout ratio%
8.24
5.90
8.81
8.08
9.35
11.62
10.09
11.19
11.69
9.37
28.98
11.19
9.36
28
347.8
Shares (diluted)M
337.8
331.8
367.9
378.0
395.9
433.7
471.7
527.8
544.8
631.5
346.3
9.79%
6.02%
68
16.86
Buyback yield%
36.20
35.23
32.43
31.38
30.32
31.05
31.13
34.02
33.37
32.06
17.00
32.06
32.25
66
0.765
D/E ratiox
0.304
0.333
0.292
0.286
0.313
0.344
0.364
0.395
0.403
0.434
0.396
0.395
0.339
25
17.95
AssetsRp B
175.5
189.9
204.0
218.3
242.0
265.1
292.5
306.1
337.1
379.4
45.17
9.41%
8.68%
41
13.17
LT debtRp B
28.15
31.53
32.17
30.60
32.12
32.85
36.21
37.87
41.87
39.96
4.910
4.47%
3.66%
89
Claims and benefits
1.28%
1.01×