56.01
RevenueRp B
114.3
116.7
124.3
131.6
139.8
149.0
153.8
158.3
165.2
168.7
58.77
3.83%
4.20%
48
13.31
Revenue growth%
16.45
18.31
17.48
19.43
18.80
21.49
20.62
23.43
24.76
27.31
11.67
23.43
20.03
22
17.57
Combined R.%
85.51
86.11
83.79
84.99
85.73
83.70
83.82
85.95
84.20
85.01
4.21
84.20
85.00
53
17.25
Operating margin%
14.38
15.55
14.30
16.94
14.54
15.36
16.47
16.33
16.95
19.34
8.89
16.47
15.94
5
16.42
Net margin%
3.55
1.65
1.66
0.40
0.59
0.40
0.40
0.40
2.26
3.27
14.12
0.40
1.12
61
31.75
P/E ratio (avg)x
17.48
18.99
22.81
24.80
25.32
26.02
29.73
30.81
36.68
41.20
24.65
30.81
25.67
74
25.69
P/TBVx
5.055
5.806
6.289
6.036
6.587
7.108
7.911
8.844
10.09
11.38
8.484
8.844
6.847
43
12.72
P/Bx
47.04
47.57
45.22
43.34
44.72
49.68
53.48
55.10
54.10
59.94
25.92
54.10
48.63
50
11.66
Prem. grth%
24.53
22.19
21.05
21.27
22.72
20.06
22.77
20.19
18.89
17.87
18.67
20.06
21.16
76
6.20
Invest. yld%
25.72
28.63
30.57
27.63
27.13
27.32
28.06
25.52
24.15
22.20
7.21
25.52
27.23
88
8.03
BVPS grth%
24.38
26.12
28.23
26.33
27.77
27.65
25.91
24.20
25.81
27.20
2.21
25.91
26.22
40
19.23
Return on equity%
28.72
31.44
30.01
28.48
25.53
24.27
21.45
21.26
21.72
19.95
16.88
21.45
24.90
71
29.22
Return on assets%
15.06
16.81
16.95
16.21
18.17
17.71
15.56
14.74
17.48
16.36
5.16
16.36
16.59
64
3.54
EPSRp
4.21
4.20
4.89
5.34
5.91
6.98
8.09
9.20
10.18
10.14
3.91
11.41%
8.98%
—
12.15
EPS growth%
13.44
13.28
10.83
12.57
9.71
6.95
9.40
6.80
7.15
10.05
15.56
7.15
9.88
9
3.03
Bookvalue per shRp
2.23
2.25
2.45
2.63
2.61
2.89
3.08
3.51
3.64
4.09
0.99
9.37%
5.77%
—
3.07
TBV/shRp
4.02
3.79
4.07
4.19
4.30
4.02
3.56
3.35
3.16
3.39
2.47
(4.66%)
(1.34%)
—
3.69
Dividend per shRp
6.58
6.60
6.61
7.43
7.14
6.49
7.10
7.85
8.19
9.04
7.18
4.84%
2.98%
—
16.69
Div yield (avg)%
16.27
17.82
19.51
17.05
16.97
19.93
21.07
18.79
18.33
17.27
27.35
18.79
18.07
91
22.25
Payout ratio%
7.05
8.57
6.72
3.99
3.70
2.88
2.78
4.10
5.90
5.14
17.10
4.10
4.62
83
15.69
Shares (diluted)B
16.09
15.81
14.78
16.04
16.82
17.15
18.26
20.05
19.58
20.56
15.09
4.10%
2.17%
73
13.77
Buyback yield%
5.58
8.25
8.08
10.42
8.20
5.63
5.08
4.44
6.23
3.30
15.33
5.08
5.93
84
1.670
D/E ratiox
0.758
0.817
0.768
0.884
0.847
0.876
0.980
0.993
0.994
1.050
1.230
0.993
0.880
14
137.7
AssetsRp B
634.7
675.2
745.5
822.9
861.2
961.9
1,015
1,136
1,267
1,351
186.2
9.43%
9.07%
52
97.84
LT debtRp B
56.94
65.43
67.14
79.53
90.45
96.67
97.63
103.9
115.9
133.9
206.1
8.16%
10.09%
33
Claims and benefits
4.16%
1.00×