71.91
RevenueRp B
88.56
94.10
99.51
104.8
111.8
120.6
126.2
137.0
149.5
158.7
80.30
7.26%
6.69%
22
19.56
Revenue growth%
17.09
19.22
20.71
19.89
20.29
20.49
21.44
24.37
25.93
24.31
27.59
24.31
20.60
46
16.25
Combined R.%
85.85
84.93
86.03
86.43
86.64
85.85
84.94
84.20
87.06
84.33
7.63
84.94
85.85
18
16.94
Operating margin%
15.28
18.15
18.87
21.54
18.91
20.40
19.58
21.77
20.11
18.20
17.36
20.11
19.25
27
2.30
Net margin%
26.43
27.74
25.36
22.87
20.79
23.33
24.55
23.28
23.11
24.66
4.69
23.33
23.94
31
18.33
P/E ratio (avg)x
18.68
19.14
16.25
15.68
13.93
13.19
13.68
14.36
15.06
15.07
35.52
14.36
15.07
46
12.72
P/TBVx
14.16
13.76
12.34
11.46
10.49
9.434
9.359
9.560
10.48
10.30
13.17
9.560
10.48
37
34.21
P/Bx
32.73
35.46
32.15
35.62
38.17
34.83
34.54
31.57
29.56
29.03
17.73
31.57
33.64
66
19.58
Prem. grth%
12.14
10.69
13.08
15.27
13.79
15.09
12.33
11.32
8.50
5.89
13.28
11.32
12.23
92
6.40
Invest. yld%
4.31
6.50
9.01
11.96
10.69
11.94
12.47
9.83
8.34
9.24
4.73
9.83
9.54
30
3.16
BVPS grth%
16.67
15.89
16.83
16.88
17.53
18.21
15.50
17.21
18.91
19.16
16.97
18.21
17.05
26
9.83
Return on equity%
8.59
11.30
11.53
10.46
12.44
12.50
11.96
14.89
12.40
13.61
28.12
12.50
12.18
54
17.43
Return on assets%
6.88
8.69
11.42
10.86
11.03
12.43
10.63
12.01
12.99
13.38
6.88
12.43
11.22
86
20.00
EPSRp
17.28
18.33
19.83
23.10
21.92
21.23
20.39
19.48
21.02
22.46
22.15
0.49%
2.84%
—
19.65
EPS growth%
15.89
17.29
17.05
16.80
15.23
17.77
17.91
19.04
19.18
21.27
12.31
19.04
17.53
15
25.98
Bookvalue per shRp
28.95
29.17
32.39
31.61
33.32
37.08
35.34
38.07
41.21
41.08
25.07
4.27%
3.86%
—
6.52
TBV/shRp
16.81
17.87
18.38
15.91
14.68
15.95
13.60
14.41
15.10
13.24
26.58
(2.05%)
(2.89%)
—
11.57
Dividend per shRp
7.86
7.48
7.79
7.94
8.10
7.74
7.26
6.94
7.46
6.85
6.27
(3.32%)
(1.49%)
—
8.44
Div yield (avg)%
12.09
14.50
13.79
11.66
12.85
12.19
10.51
11.45
11.49
9.25
4.48
11.45
11.87
91
8.93
Payout ratio%
9.09
11.32
9.84
9.30
10.37
10.16
10.84
10.25
11.85
9.83
26.61
10.25
10.21
48
2.870
Shares (diluted)B
4.083
4.211
4.503
4.584
5.010
4.927
5.120
5.230
6.103
6.982
2.914
6.86%
6.39%
78
11.11
Buyback yield%
14.92
15.69
16.05
18.46
20.08
20.78
21.14
23.70
22.11
23.43
21.70
22.11
20.43
45
1.512
D/E ratiox
1.108
0.966
1.024
1.119
0.984
0.932
0.984
0.938
0.828
0.785
0.520
0.932
0.975
28
90.96
AssetsRp B
140.3
152.8
167.4
177.4
194.2
212.0
228.7
241.0
267.7
289.7
126.6
8.33%
8.60%
63
8.903
LT debtRp B
63.28
63.80
73.28
77.34
94.05
100.7
115.3
128.5
133.2
150.1
99.26
9.80%
10.35%
24
Claims and benefits
6.78%
1.01×