401.6
RevenueRp B
2,011
2,070
2,193
2,350
2,492
2,621
2,771
2,925
3,147
3,240
419.4
5.39%
5.23%
12
16.07
Revenue growth%
5.54
7.80
10.02
7.67
6.65
5.75
6.94
4.66
3.70
6.28
8.68
5.75
6.46
84
20.56
Combined R.%
94.28
91.51
92.55
93.84
93.93
91.25
92.90
93.31
91.71
92.39
28.99
92.39
92.73
64
14.60
Operating margin%
31.26
33.90
33.69
34.70
35.01
36.48
34.95
33.17
33.09
33.39
22.48
33.39
33.80
59
21.46
Net margin%
19.53
17.38
19.01
16.86
19.35
21.53
21.89
22.39
22.42
23.62
7.76
22.39
20.53
21
27.10
P/E ratio (avg)x
34.07
38.36
36.96
33.77
36.59
34.79
36.86
36.49
33.44
32.94
13.50
34.79
35.64
5
11.06
P/TBVx
37.99
36.62
43.08
43.85
48.81
51.52
58.89
62.00
66.78
72.63
27.93
62.00
50.16
54
29.31
P/Bx
36.87
36.40
39.66
40.88
41.99
41.98
44.12
44.79
51.38
47.56
24.06
44.79
41.99
26
24.52
Prem. grth%
26.52
24.92
25.80
23.42
22.11
22.16
23.80
25.18
27.96
30.57
3.53
25.18
25.05
86
20.89
Invest. yld%
21.53
21.46
23.25
23.10
21.58
22.18
20.56
18.66
16.28
17.34
20.02
18.66
21.50
83
5.45
BVPS grth%
13.86
11.96
9.17
8.91
7.30
5.44
3.03
3.70
5.03
4.53
28.96
4.53
6.37
41
23.71
Return on equity%
0.40
1.31
2.22
3.24
1.67
1.84
1.77
2.81
0.46
1.93
4.33
1.84
1.80
34
6.72
Return on assets%
15.54
14.58
13.72
12.15
13.59
15.16
16.92
14.66
11.72
8.94
3.25
14.66
14.15
91
148.42
EPSRp
339.40
348.53
363.14
381.32
406.29
390.14
385.48
449.01
422.57
422.17
156.06
0.77%
3.48%
—
22.80
EPS growth%
1.46
2.49
0.51
0.78
0.53
2.43
1.74
4.57
1.88
0.40
26.45
1.88
1.60
25
383.54
Bookvalue per shRp
719.15
680.42
658.96
681.97
736.95
727.79
803.06
897.44
1,014
1,117
785.45
8.68%
4.78%
—
392.42
TBV/shRp
637.52
587.90
622.40
619.20
590.26
647.26
672.38
646.86
582.80
600.56
992.58
0.35%
(1.32%)
—
564.01
Dividend per shRp
1,536
1,787
1,793
1,931
1,994
2,008
2,394
2,418
2,677
2,872
982.13
7.56%
7.27%
—
26.15
Div yield (avg)%
8.49
6.56
8.43
7.11
9.12
7.83
10.01
11.92
14.78
14.35
24.76
11.92
8.81
26
2.35
Payout ratio%
32.29
30.03
27.89
25.33
22.71
21.86
23.57
21.47
19.97
17.65
2.21
21.47
23.14
65
2.101
Shares (diluted)B
2.247
2.313
2.338
2.245
2.094
2.167
2.073
2.065
2.154
2.149
2.047
0.52%
(0.85%)
87
18.12
Buyback yield%
25.38
23.91
21.90
23.31
20.37
18.72
18.03
18.80
16.12
13.28
3.33
18.03
19.59
91
0.974
D/E ratiox
0.620
0.584
0.626
0.683
0.669
0.695
0.741
0.784
0.776
0.693
0.855
0.741
0.688
93
1,177
AssetsRp B
7,417
7,954
8,501
9,216
10,282
11,349
12,086
13,669
14,176
15,502
3,426
8.56%
8.46%
37
836.6
LT debtRp B
2,712
2,672
2,818
3,008
2,625
2,288
2,269
2,220
2,408
2,326
1,183
(2.39%)
(1.12%)
9
Claims and benefits
5.06%
0.98×