24.59
RevenueRp B
28.68
30.38
31.65
32.38
33.33
33.84
35.82
36.47
38.71
39.33
26.40
3.37%
3.74%
76
24.67
Revenue growth%
22.73
23.45
26.35
27.22
28.08
29.31
31.40
30.84
33.66
32.00
18.70
31.40
28.70
18
14.90
Combined R.%
89.38
87.67
86.54
89.38
87.93
89.44
88.21
87.69
88.53
88.45
7.15
88.45
88.33
6
7.20
Operating margin%
17.91
15.67
14.42
17.10
18.45
16.55
18.31
15.60
15.96
16.27
4.58
16.27
16.41
15
16.05
Net margin%
6.19
6.12
9.10
8.56
11.26
9.98
12.35
12.06
9.99
7.59
20.67
9.99
9.54
68
23.72
P/E ratio (avg)x
24.77
24.77
24.92
26.89
24.85
27.28
29.97
30.66
31.79
31.50
35.41
30.66
27.08
46
35.02
P/TBVx
44.45
53.66
64.00
71.13
75.93
91.83
107.6
112.7
136.0
141.3
32.43
112.7
83.88
81
11.30
P/Bx
24.22
25.62
28.25
30.35
31.73
35.50
41.07
45.76
53.66
55.34
24.23
45.76
33.62
14
27.51
Prem. grth%
24.71
24.58
25.85
22.94
25.18
25.29
22.92
21.14
21.52
20.00
16.46
21.52
23.76
59
15.90
Invest. yld%
20.38
21.52
21.61
20.52
21.15
20.32
17.48
15.62
16.73
18.11
18.13
17.48
20.35
25
28.13
BVPS grth%
25.98
26.59
28.73
30.40
33.09
35.21
35.00
34.29
36.38
33.61
27.04
35.00
33.35
81
16.44
Return on equity%
31.61
29.11
30.31
32.55
29.74
28.04
29.33
31.15
30.76
28.72
24.49
29.33
30.03
5
2.30
Return on assets%
15.96
16.73
19.72
22.63
21.97
23.75
26.01
26.20
23.59
21.38
8.30
23.75
22.30
21
9.38
EPSRp
19.44
18.23
19.46
18.58
19.17
20.44
18.51
20.22
19.93
20.09
10.28
0.93%
0.84%
—
21.51
EPS growth%
25.70
28.63
26.78
23.96
25.51
27.20
26.01
28.21
28.48
27.04
20.78
27.20
26.91
6
28.56
Bookvalue per shRp
23.82
24.25
23.50
27.08
27.03
31.83
36.20
35.53
42.39
42.03
28.26
9.24%
7.24%
—
22.98
TBV/shRp
6.49
6.57
6.13
6.20
7.08
6.87
6.40
7.26
6.92
7.58
19.51
1.38%
1.57%
—
3.84
Dividend per shRp
13.89
13.53
15.66
17.16
18.59
20.68
23.16
23.89
26.15
27.45
22.15
8.11%
6.28%
—
6.34
Div yield (avg)%
21.76
23.88
24.08
24.12
23.20
24.05
23.02
22.08
22.88
23.90
25.67
23.02
23.54
77
3.68
Payout ratio%
23.55
24.88
26.61
28.91
29.73
31.76
30.68
28.19
27.78
28.29
6.84
28.29
28.24
27
1.308
Shares (diluted)B
1.355
1.465
1.435
1.505
1.430
1.531
1.725
1.645
1.680
1.592
1.284
2.16%
0.91%
77
21.66
Buyback yield%
24.46
24.78
25.65
27.52
29.84
32.66
30.31
31.17
32.04
29.63
25.69
31.17
29.73
80
1.796
D/E ratiox
1.843
2.069
1.921
2.148
2.173
2.500
2.444
2.625
2.927
3.149
0.763
2.625
2.309
66
34.97
AssetsRp B
57.04
59.08
63.28
70.74
78.04
85.43
93.18
106.2
110.7
117.2
12.64
8.47%
8.20%
51
32.91
LT debtRp B
11.95
11.24
9.842
9.855
9.015
8.282
8.806
9.008
8.318
8.812
39.99
(0.45%)
(4.29%)
82
Claims and benefits
3.51%
0.98×