26.73
RevenueRp B
22.54
24.23
25.93
28.00
29.60
32.51
34.93
38.22
40.42
44.02
28.15
8.26%
7.73%
42
9.66
Revenue growth%
9.11
9.58
7.58
10.16
11.74
12.05
14.58
14.33
13.02
13.49
29.62
13.49
11.89
77
7.74
Combined R.%
94.85
94.87
95.60
94.83
95.13
95.51
94.90
94.49
95.42
96.17
24.83
95.42
95.01
48
8.52
Operating margin%
29.55
30.99
30.82
30.64
31.65
30.43
28.07
30.18
29.61
28.78
10.00
29.61
30.30
35
28.24
Net margin%
24.40
24.60
21.91
24.48
26.33
23.92
26.45
27.90
27.81
24.87
27.40
26.45
24.73
31
17.23
P/E ratio (avg)x
7.434
8.104
7.331
6.689
6.159
5.760
5.549
5.002
5.212
5.233
18.32
5.233
5.960
61
24.59
P/TBVx
29.86
31.80
35.91
36.17
41.82
48.65
52.71
57.85
58.71
63.96
34.61
57.85
45.23
41
34.42
P/Bx
21.12
18.50
18.86
17.05
15.04
13.41
13.90
13.59
13.69
12.46
11.00
13.59
14.47
81
25.19
Prem. grth%
13.34
10.66
8.99
6.38
3.58
3.00
0.40
1.25
3.95
2.87
2.04
2.87
3.77
75
27.59
Invest. yld%
17.41
16.71
19.21
17.52
16.20
17.43
16.60
16.54
14.93
15.64
28.04
16.54
16.65
20
25.21
BVPS grth%
2.24
1.32
0.40
0.40
2.47
3.97
1.98
4.73
5.80
6.96
19.59
4.73
2.36
35
3.41
Return on equity%
24.78
25.77
27.07
27.85
27.51
28.19
30.85
33.73
34.48
35.27
25.74
33.73
28.02
69
7.82
Return on assets%
10.01
9.89
11.34
10.74
13.30
11.28
13.45
12.86
13.76
11.85
22.56
12.86
11.59
77
14.26
EPSRp
22.14
21.30
24.65
27.46
30.12
29.75
30.71
34.06
33.76
35.04
15.76
3.07%
5.20%
—
24.70
EPS growth%
7.18
6.68
6.49
5.03
4.56
1.77
0.48
1.40
2.17
2.90
17.06
1.77
3.73
94
17.65
Bookvalue per shRp
19.53
18.62
17.52
18.64
20.28
22.18
21.06
19.84
19.96
18.92
12.58
(1.38%)
0.02%
—
4.62
TBV/shRp
28.04
27.18
29.29
28.88
27.17
30.85
35.04
35.09
32.12
36.12
9.44
5.86%
2.07%
—
6.02
Dividend per shRp
16.11
15.39
15.21
14.81
16.63
15.94
16.35
15.56
17.88
19.07
25.98
2.77%
1.25%
—
8.44
Div yield (avg)%
20.23
20.66
23.58
24.15
24.82
22.76
20.89
22.40
24.74
27.05
27.14
22.76
23.17
67
23.68
Payout ratio%
20.71
20.80
19.68
20.89
20.49
19.62
20.06
21.52
19.83
18.05
23.98
19.83
20.27
94
1.391
Shares (diluted)B
2.027
2.072
2.312
2.567
2.632
2.699
2.744
3.054
3.100
3.449
1.371
5.55%
6.99%
74
22.95
Buyback yield%
12.83
11.60
10.69
11.17
12.05
13.34
14.11
13.23
14.76
13.83
3.64
13.83
13.03
85
1.574
D/E ratiox
0.260
0.260
0.278
0.304
0.329
0.376
0.403
0.394
0.397
0.404
1.179
0.397
0.352
6
32.69
AssetsRp B
56.97
62.35
69.41
71.09
76.07
84.30
95.51
103.6
117.3
128.9
35.26
11.12%
9.26%
80
10.59
LT debtRp B
34.11
36.40
33.89
38.40
38.07
40.38
45.93
46.93
50.81
49.57
23.34
5.42%
4.14%
13
Claims and benefits
7.49%
0.98×