995.5
RevenueRp B
1,095
1,106
1,089
1,070
1,093
1,088
1,082
1,090
1,108
1,114
1,118
0.70%
(0.03%)
60
20.07
Revenue growth%
7.00
6.86
9.29
10.37
11.45
13.59
12.12
14.21
13.13
16.69
5.22
13.13
10.91
28
19.73
Combined R.%
80.13
79.25
79.09
77.68
78.64
79.79
77.70
79.03
79.93
29.30
4.61
79.03
79.15
13
9.13
Operating margin%
14.90
15.49
14.66
16.44
16.62
19.02
17.80
15.64
16.88
5.71
6.11
16.88
16.04
17
17.07
Net margin%
5.86
6.16
7.70
5.28
3.99
6.31
3.31
2.39
1.20
17.11
7.10
3.31
5.57
42
24.52
P/E ratio (avg)x
31.57
27.62
28.57
31.12
32.65
35.26
34.37
37.09
37.68
26.03
27.96
35.26
32.11
29
30.96
P/TBVx
22.06
21.68
20.33
19.27
19.15
18.58
18.94
19.88
21.04
32.55
22.54
19.15
20.11
52
14.79
P/Bx
37.26
43.45
44.53
44.36
45.39
52.34
58.34
58.72
67.11
26.97
8.566
58.34
44.96
80
9.25
Prem. grth%
26.70
27.16
27.11
24.44
24.65
27.47
25.24
22.81
20.17
9.99
26.51
24.65
25.32
62
16.52
Invest. yld%
23.60
24.85
24.89
22.24
24.32
24.63
21.67
19.01
19.36
2.10
5.89
21.67
23.96
74
27.94
BVPS grth%
34.88
34.86
37.05
34.50
31.70
31.05
30.09
31.32
33.37
8.05
2.86
31.32
32.69
9
14.08
Return on equity%
18.42
17.88
16.98
19.21
18.91
15.95
17.91
16.19
17.38
23.05
15.78
17.38
17.63
33
26.22
Return on assets%
24.06
22.59
20.72
18.80
19.04
18.57
16.23
17.09
18.24
16.70
8.09
18.24
18.92
50
112.84
EPSRp
89.44
98.36
108.18
124.40
128.16
124.48
135.00
155.34
185.96
123.95
120.10
8.37%
9.16%
—
10.06
EPS growth%
25.80
27.68
26.63
29.38
31.70
31.99
34.03
34.45
34.82
3.41
12.27
34.03
30.54
23
171.20
Bookvalue per shRp
205.75
219.69
223.56
254.79
274.90
314.10
333.30
378.90
404.82
168.33
168.27
9.70%
5.60%
—
29.32
TBV/shRp
215.90
234.12
223.58
238.88
216.93
231.72
243.32
249.71
272.17
206.40
176.00
2.64%
1.13%
—
36.42
Dividend per shRp
361.42
403.40
397.14
440.68
479.09
463.68
518.16
593.11
697.49
178.06
115.12
9.62%
7.65%
—
17.37
Div yield (avg)%
33.83
34.85
34.35
34.37
34.89
32.36
33.98
33.84
33.39
3.37
14.74
33.84
33.91
91
4.61
Payout ratio%
9.17
6.38
7.93
7.11
6.92
8.65
9.87
7.22
6.65
23.77
22.83
7.22
7.58
25
4.969
Shares (diluted)B
5.043
5.210
4.738
5.121
4.581
4.237
3.868
3.662
3.595
4.927
4.882
(6.83%)
(3.27%)
40
4.28
Buyback yield%
15.61
17.15
19.29
19.97
19.98
21.37
21.38
19.59
22.58
20.82
18.08
21.37
19.78
18
0.252
D/E ratiox
0.209
0.235
0.248
0.268
0.254
0.270
0.276
0.288
0.279
1.391
0.427
0.276
0.261
7
1,063
AssetsRp B
2,486
2,669
2,829
3,029
3,205
3,388
3,844
4,315
4,546
1,127
452.5
8.46%
8.06%
85
1,411
LT debtRp B
241.8
269.4
282.8
256.7
262.8
264.4
278.5
317.5
297.7
670.6
328.8
3.00%
2.32%
33
Claims and benefits
0.23%
1.03×