1,161
RevenueRp B
1,220
1,333
1,458
1,554
1,676
1,830
1,937
2,070
2,227
2,454
1,207
7.92%
8.21%
32
19.70
Revenue growth%
18.97
20.39
18.43
17.79
17.45
20.03
22.67
20.34
22.79
23.49
13.79
22.67
20.19
28
10.90
Combined R.%
85.34
86.19
86.54
87.26
86.40
86.31
86.27
87.37
86.55
88.98
19.98
86.55
86.47
6
6.61
Operating margin%
8.42
10.87
13.41
15.13
16.26
13.78
15.87
16.21
13.38
14.17
22.73
14.17
13.98
27
8.36
Net margin%
20.68
22.65
22.85
23.60
24.08
22.23
19.32
20.18
20.90
22.77
12.76
20.90
22.44
31
23.28
P/E ratio (avg)x
21.81
23.82
26.01
29.77
28.73
29.47
32.18
30.53
31.80
32.15
11.99
31.80
29.62
60
17.47
P/TBVx
9.692
9.964
9.898
10.79
11.88
13.22
14.07
13.09
13.86
15.83
21.86
13.86
12.49
25
25.04
P/Bx
31.15
36.27
39.52
43.85
50.31
57.04
56.90
64.26
61.87
60.90
20.06
60.90
53.60
36
25.36
Prem. grth%
19.18
20.04
17.74
15.24
14.07
12.82
14.00
11.39
13.41
16.04
25.87
13.41
14.66
42
2.86
Invest. yld%
24.11
22.63
23.24
21.00
21.72
21.39
19.40
20.14
19.32
17.65
17.01
19.40
21.20
86
20.03
BVPS grth%
12.76
9.96
11.45
9.78
7.72
5.85
4.88
6.11
7.09
4.86
22.90
5.85
7.40
62
9.88
Return on equity%
17.29
19.38
21.82
20.26
18.10
15.15
16.59
17.67
17.70
19.68
2.06
17.67
17.90
93
3.08
Return on assets%
21.42
18.46
18.01
15.64
15.39
13.55
15.70
15.35
14.21
12.03
12.22
14.21
15.51
63
63.73
EPSRp
31.61
33.03
40.18
44.27
44.01
46.70
50.65
56.98
59.56
65.89
65.30
8.41%
9.29%
—
12.67
EPS growth%
21.86
24.02
26.99
25.92
28.16
28.97
27.51
28.06
26.39
25.17
20.73
27.51
26.69
87
83.99
Bookvalue per shRp
89.62
89.49
91.74
91.45
97.51
98.27
116.63
116.61
128.94
143.49
24.77
8.03%
6.45%
—
54.13
TBV/shRp
38.53
40.21
45.00
50.53
47.83
46.99
50.77
54.73
52.79
57.47
73.74
3.74%
5.13%
—
64.99
Dividend per shRp
108.22
97.67
103.38
90.86
92.52
94.16
79.64
84.03
75.07
74.23
79.04
(4.31%)
(4.80%)
—
4.18
Div yield (avg)%
18.26
20.66
21.47
21.67
20.03
17.39
18.72
20.22
20.37
17.43
6.07
18.72
20.12
37
9.07
Payout ratio%
17.68
15.22
12.99
15.61
18.49
17.31
17.42
17.59
17.83
18.56
12.18
17.59
17.50
61
3.635
Shares (diluted)B
4.262
3.906
4.117
4.122
4.536
4.927
4.920
5.281
5.154
5.490
3.648
3.89%
2.09%
76
18.71
Buyback yield%
16.12
18.14
17.98
20.38
23.14
22.37
24.40
21.77
22.56
24.65
28.50
22.56
22.07
76
1.563
D/E ratiox
0.276
0.307
0.300
0.332
0.365
0.348
0.385
0.424
0.414
0.396
1.534
0.396
0.357
60
1,344
AssetsRp B
1,478
1,535
1,705
1,851
2,055
2,287
2,387
2,609
2,695
2,843
1,864
6.71%
8.06%
46
1,222
LT debtRp B
428.3
404.6
373.6
392.5
419.1
424.1
462.6
476.7
445.6
459.3
1,475
1.85%
0.52%
14
Claims and benefits
8.37%
1.02×