4,778
RevenueRp B
20,289
21,849
23,508
25,585
26,673
28,514
30,333
32,849
34,368
36,345
5,060
6.38%
6.53%
33
4.74
Revenue growth%
33.04
32.74
30.70
31.37
28.48
30.77
28.27
26.78
24.43
21.72
12.05
26.78
29.59
11
6.83
Combined R.%
95.32
96.90
95.94
95.28
96.28
95.33
94.36
95.02
96.31
96.40
19.58
95.33
95.64
61
26.56
Operating margin%
24.74
27.69
29.68
28.80
27.60
25.43
23.69
21.48
21.18
22.03
12.30
22.03
25.09
26
5.70
Net margin%
25.96
24.84
26.01
29.00
27.62
27.49
29.62
29.04
29.47
29.99
4.87
29.47
28.31
40
27.52
P/E ratio (avg)x
36.28
36.93
33.86
37.06
36.40
39.05
34.83
33.03
35.49
37.89
31.13
35.49
36.34
40
35.23
P/TBVx
30.57
30.33
28.90
33.57
33.92
37.06
40.22
41.08
41.21
43.87
10.62
41.08
35.49
53
24.70
P/Bx
7.574
8.365
8.437
9.247
9.718
10.70
10.00
9.975
11.44
13.29
19.94
10.70
9.846
43
11.39
Prem. grth%
19.39
19.71
18.14
15.26
15.22
16.66
14.47
14.87
14.75
15.08
21.87
14.87
15.24
89
6.18
Invest. yld%
6.02
3.08
2.16
4.89
3.35
6.30
8.67
8.95
8.06
10.77
2.86
8.67
6.16
76
24.93
BVPS grth%
25.92
28.39
26.47
24.02
21.84
19.95
17.03
16.16
17.57
19.27
26.40
17.57
20.90
84
29.49
Return on equity%
27.70
26.67
26.02
25.81
23.65
26.35
23.61
24.69
23.86
22.25
29.72
23.86
25.25
22
8.77
Return on assets%
12.46
12.75
11.40
12.79
14.97
14.56
16.82
17.80
15.23
13.99
12.10
15.23
14.27
36
2,152
EPSRp
1,439
1,289
1,281
1,204
1,241
1,091
979.39
949.31
892.73
870.56
2,272
(6.84%)
(4.17%)
—
17.07
EPS growth%
6.02
7.54
8.96
9.99
12.40
13.46
15.17
14.43
14.64
12.44
19.06
14.43
12.42
83
323.66
Bookvalue per shRp
730.27
692.68
735.19
805.94
704.35
736.18
730.87
755.71
661.24
576.66
949.18
(3.92%)
(3.19%)
—
526.73
TBV/shRp
2,322
2,326
2,744
2,727
3,180
3,108
3,526
4,107
4,155
4,484
461.14
7.11%
6.48%
—
1,837
Dividend per shRp
1,195
1,328
1,400
1,352
1,397
1,408
1,593
1,554
1,493
1,588
860.89
2.60%
3.46%
—
9.67
Div yield (avg)%
7.14
8.11
9.77
10.56
10.33
9.29
6.47
9.17
9.62
9.26
16.28
9.26
9.27
12
27.68
Payout ratio%
22.19
24.69
25.87
28.26
26.34
26.37
25.89
25.17
22.18
20.66
3.00
25.17
25.52
47
6.437
Shares (diluted)B
4.911
4.517
3.953
3.658
3.244
3.092
2.781
2.382
2.248
2.332
6.534
(6.39%)
(7.73%)
35
27.42
Buyback yield%
9.29
8.30
8.88
6.69
7.66
7.89
5.01
7.06
4.99
5.84
4.26
5.84
7.36
7
1.340
D/E ratiox
0.603
0.658
0.602
0.547
0.581
0.528
0.549
0.528
0.507
0.510
0.792
0.528
0.548
77
24,248
AssetsRp B
71,605
79,237
82,362
88,158
96,741
103,020
113,626
121,776
133,338
138,088
2,265
7.38%
7.31%
60
6,640
LT debtRp B
32,683
36,134
36,443
37,843
38,117
38,710
46,417
53,622
62,381
66,612
18,999
11.81%
8.68%
94
Claims and benefits
6.72%
1.02×