277.5
RevenueRp B
413.6
428.0
449.4
468.1
486.8
504.3
517.7
530.7
548.8
556.1
298.0
2.70%
3.13%
21
9.15
Revenue growth%
1.45
0.40
0.40
0.40
0.40
2.35
0.80
2.33
0.40
0.77
17.69
0.80
0.58
26
22.40
Combined R.%
83.32
82.71
83.99
80.97
80.96
81.85
83.25
82.51
83.28
81.78
23.21
82.51
82.61
76
12.33
Operating margin%
6.47
7.61
8.04
10.37
8.74
10.13
8.07
7.42
7.69
6.15
11.39
7.69
7.86
11
28.96
Net margin%
24.71
24.29
22.18
19.62
19.28
19.29
20.40
20.32
21.95
19.61
16.98
20.32
20.36
50
29.47
P/E ratio (avg)x
17.54
21.18
20.86
21.24
23.71
25.27
30.55
32.82
36.33
40.86
6.547
32.82
24.49
67
26.50
P/TBVx
14.58
14.22
15.37
17.76
17.25
16.51
16.73
17.83
18.47
21.57
21.47
17.83
16.99
43
23.16
P/Bx
9.725
10.24
10.73
11.59
12.24
12.72
13.07
14.25
15.90
15.80
28.18
14.25
12.48
31
8.41
Prem. grth%
15.90
13.76
12.99
13.37
15.07
16.14
13.86
16.06
14.51
11.68
21.09
14.51
14.18
76
23.47
Invest. yld%
9.03
10.09
8.67
11.20
10.28
13.25
15.86
17.25
17.03
18.69
26.64
17.03
12.22
87
5.73
BVPS grth%
3.47
5.95
6.97
4.43
4.42
1.97
3.18
4.76
3.41
3.66
10.24
3.41
4.04
77
9.53
Return on equity%
23.59
26.30
29.00
27.24
27.30
26.08
28.14
25.91
23.68
25.25
4.79
25.91
26.19
53
23.03
Return on assets%
19.68
17.16
17.03
18.17
20.21
17.45
20.39
19.34
17.67
16.45
23.99
17.67
17.92
78
26.72
EPSRp
82.27
89.48
88.02
80.78
91.04
97.94
96.14
99.63
107.55
120.00
27.39
5.68%
4.43%
—
19.20
EPS growth%
18.99
21.32
23.55
24.10
21.39
20.63
23.32
23.98
22.93
21.74
18.19
22.93
22.33
80
88.20
Bookvalue per shRp
20.97
19.65
17.74
17.95
19.56
16.84
14.95
15.73
15.07
15.03
72.34
(5.14%)
(4.37%)
—
98.87
TBV/shRp
59.05
66.65
66.30
62.17
71.20
74.94
81.49
81.58
90.86
93.92
80.49
5.70%
4.41%
—
25.40
Dividend per shRp
45.56
47.73
43.59
45.37
44.23
46.53
40.29
37.06
39.16
35.98
75.67
(4.05%)
(1.86%)
—
15.45
Div yield (avg)%
25.16
23.57
21.13
23.06
24.26
25.88
27.26
25.98
25.84
25.46
28.81
25.88
25.31
71
18.35
Payout ratio%
0.40
0.86
2.96
2.98
0.40
0.60
0.52
2.74
5.31
2.81
27.82
2.74
1.80
58
3.955
Shares (diluted)B
4.548
4.700
5.311
5.806
6.447
6.982
7.600
8.306
8.727
9.498
4.066
8.06%
8.93%
56
10.49
Buyback yield%
11.99
12.62
11.21
12.78
12.71
11.14
13.51
16.18
14.33
14.97
21.71
14.33
12.75
11
0.359
D/E ratiox
1.413
1.459
1.476
1.695
2.028
1.956
2.204
2.229
2.227
2.626
1.351
2.227
1.992
92
143.7
AssetsRp B
717.4
789.6
845.1
917.5
1,039
1,138
1,291
1,391
1,511
1,609
432.7
9.13%
8.66%
91
413.4
LT debtRp B
158.7
170.7
167.7
181.4
181.6
168.6
161.3
175.5
159.9
145.5
124.5
(4.34%)
(1.09%)
24
Claims and benefits
3.11%
1.00×
Spread over hurdle
10.50%