20.69
RevenueRp B
33.90
35.69
37.53
39.19
41.07
41.82
44.13
45.18
47.19
49.40
21.69
3.76%
4.33%
80
13.30
Revenue growth%
30.17
27.29
24.70
26.34
29.17
31.41
33.41
32.52
34.83
35.24
15.89
33.41
30.79
19
22.13
Combined R.%
78.09
79.47
80.92
78.35
79.32
79.30
77.43
77.54
79.85
77.69
5.96
77.69
78.82
62
9.53
Operating margin%
34.23
31.56
33.80
34.67
34.41
35.75
38.07
38.21
36.10
38.55
5.72
38.07
35.21
31
26.24
Net margin%
16.34
14.14
14.26
15.06
13.05
12.71
14.84
15.01
14.41
11.96
24.66
14.41
14.33
12
30.70
P/E ratio (avg)x
19.12
20.47
22.45
22.70
21.38
18.82
20.63
18.87
21.05
20.29
20.03
20.29
20.55
92
29.09
P/TBVx
29.97
26.66
28.54
25.92
27.49
28.28
24.60
24.37
21.48
22.25
34.97
24.37
26.29
45
8.636
P/Bx
16.28
17.95
20.15
18.97
18.91
19.67
19.40
21.38
23.31
26.28
21.25
21.38
19.53
64
16.16
Prem. grth%
6.12
5.25
5.04
2.30
2.53
2.40
4.08
5.53
7.62
7.32
17.05
5.53
5.15
76
22.01
Invest. yld%
32.00
32.94
34.46
33.38
36.07
35.92
34.14
33.43
30.54
30.99
16.83
33.43
33.40
10
25.11
BVPS grth%
30.47
29.07
28.74
29.05
29.93
32.44
35.00
36.60
39.32
39.74
18.08
36.60
31.45
69
2.81
Return on equity%
14.58
15.71
16.71
15.50
12.73
10.16
8.63
7.51
6.87
9.34
21.80
8.63
11.45
82
7.65
Return on assets%
1.79
3.32
3.82
4.92
4.44
6.87
4.61
3.00
5.94
5.41
7.56
5.41
4.53
80
0.69
EPSRp
1.32
1.32
1.48
1.41
1.60
1.77
1.83
1.86
2.17
2.40
0.72
8.48%
5.77%
—
28.04
EPS growth%
5.21
4.55
2.36
1.92
2.98
0.40
0.80
0.40
3.36
5.74
6.52
0.80
2.67
90
0.44
Bookvalue per shRp
3.87
4.08
4.15
4.74
5.50
5.43
5.29
6.11
6.86
6.81
2.40
4.36%
6.30%
—
1.50
TBV/shRp
1.41
1.27
1.31
1.23
1.35
1.33
1.19
1.16
1.25
1.09
2.40
(4.14%)
(2.88%)
—
2.76
Dividend per shRp
0.53
0.53
0.63
0.70
0.75
0.77
0.87
0.93
0.93
1.00
2.24
6.09%
6.58%
—
25.53
Div yield (avg)%
27.28
27.53
27.01
25.78
23.02
25.72
28.65
28.77
28.54
30.85
11.31
28.65
27.41
70
29.41
Payout ratio%
23.55
20.56
18.86
17.66
17.15
15.12
17.50
18.01
19.62
17.79
9.88
17.79
17.90
25
9.173
Shares (diluted)B
7.919
8.376
9.225
10.40
10.46
11.75
13.43
15.45
14.29
14.26
8.896
6.41%
6.12%
23
13.24
Buyback yield%
3.35
1.54
0.40
2.19
2.86
5.58
3.11
1.04
0.40
0.40
28.33
1.04
1.87
16
1.500
D/E ratiox
0.500
0.538
0.522
0.561
0.582
0.646
0.768
0.870
0.849
0.993
0.882
0.849
0.614
71
16.38
AssetsRp B
37.17
39.93
43.17
45.23
48.51
51.57
55.90
59.94
62.63
65.71
15.81
6.26%
6.62%
75
25.97
LT debtRp B
52.49
55.10
57.99
67.14
77.32
74.96
72.89
80.96
79.69
91.49
3.840
3.42%
7.11%
84
Claims and benefits
4.13%
0.98×