13,856
RevenueRp B
13,022
13,449
13,711
14,047
14,661
15,651
16,630
17,694
18,667
19,410
14,661
5.77%
4.52%
42
6.44
Revenue growth%
24.16
25.45
22.49
24.63
27.40
24.52
25.40
25.97
24.78
24.24
16.70
24.78
24.71
78
2.15
Combined R.%
93.64
95.01
94.89
94.28
93.35
93.66
94.87
94.82
95.30
94.21
9.56
94.82
94.55
89
27.06
Operating margin%
4.06
3.76
2.31
4.09
4.30
4.28
6.13
9.07
7.44
6.75
6.69
6.75
4.29
43
21.20
Net margin%
14.91
17.43
14.54
13.86
16.43
14.02
15.92
18.17
21.10
20.92
21.20
18.17
16.18
43
17.17
P/E ratio (avg)x
24.90
24.50
26.90
29.73
28.54
30.85
32.15
34.10
34.42
31.78
10.49
32.15
30.29
39
27.10
P/TBVx
9.572
9.709
10.02
12.07
13.39
15.97
16.88
19.67
19.71
21.87
17.73
19.67
14.68
31
25.92
P/Bx
29.41
32.00
30.18
29.98
27.12
24.51
21.87
24.39
22.82
23.52
14.63
23.52
25.81
6
18.42
Prem. grth%
19.92
20.20
21.60
23.42
24.17
25.73
25.88
25.88
25.01
23.66
28.86
25.73
23.92
71
16.12
Invest. yld%
10.00
12.87
12.40
9.80
9.05
8.54
10.61
8.06
6.28
5.83
9.36
8.06
9.43
57
19.36
BVPS grth%
7.67
5.24
4.01
2.95
5.45
4.38
6.49
8.93
5.96
5.53
3.82
5.96
5.49
54
15.73
Return on equity%
26.66
26.20
25.75
27.37
27.91
27.44
25.39
23.56
21.22
21.06
5.65
23.56
25.97
12
7.56
Return on assets%
6.65
7.78
7.18
8.30
8.87
6.00
6.60
6.47
3.79
6.25
11.36
6.25
6.63
14
189.73
EPSRp
53.53
51.74
55.42
58.39
64.03
69.48
66.52
68.31
77.13
77.19
211.18
3.81%
5.12%
—
11.42
EPS growth%
15.80
14.85
16.51
16.47
19.23
20.22
22.40
20.03
17.82
16.95
8.61
20.03
17.38
46
53.67
Bookvalue per shRp
129.38
115.65
106.44
94.21
90.41
84.98
90.03
77.76
77.07
72.96
121.44
(4.20%)
(5.81%)
—
133.59
TBV/shRp
87.46
94.37
98.03
100.34
110.35
106.23
105.86
94.96
87.78
97.85
44.20
(2.38%)
2.30%
—
81.67
Dividend per shRp
227.01
260.68
269.99
299.22
323.34
355.77
388.74
389.46
448.94
467.33
174.93
7.64%
9.08%
—
26.73
Div yield (avg)%
23.63
25.52
27.80
25.48
26.03
24.21
25.56
25.49
24.98
23.69
27.92
24.98
25.49
69
26.51
Payout ratio%
28.99
26.83
24.27
25.02
26.99
25.85
27.21
26.44
24.72
24.54
10.49
25.85
26.14
12
54.94
Shares (diluted)B
47.84
45.46
43.29
41.64
44.31
45.95
40.24
42.97
41.34
39.84
53.75
(2.11%)
(1.55%)
41
12.77
Buyback yield%
9.53
11.78
11.22
8.34
10.35
10.39
8.77
7.45
7.74
5.67
23.17
7.74
9.15
42
0.590
D/E ratiox
0.628
0.628
0.718
0.668
0.753
0.751
0.870
0.955
0.886
0.828
0.765
0.870
0.752
90
9,373
AssetsRp B
39,047
41,515
47,426
49,856
54,361
57,724
62,892
68,226
75,469
80,902
2,017
8.28%
8.24%
63
15,966
LT debtRp B
18,404
20,023
20,196
19,131
19,243
21,000
19,006
21,415
19,519
19,850
23,442
0.62%
0.75%
60
Claims and benefits
4.50%
1.00×