38.65
RevenueRp B
67.65
66.66
67.80
67.75
68.29
67.82
68.47
68.61
68.12
69.08
42.90
0.23%
0.29%
87
17.22
Revenue growth%
27.88
26.18
27.24
30.15
30.95
31.75
31.94
30.61
28.85
27.58
28.02
30.61
29.50
34
4.87
Combined R.%
85.18
86.38
85.67
87.78
85.24
87.07
85.10
86.59
86.49
86.71
13.66
86.59
86.44
22
8.13
Operating margin%
22.34
21.43
21.30
22.23
24.46
27.20
28.76
30.36
31.59
30.32
9.00
30.32
25.83
16
5.74
Net margin%
12.89
10.23
7.42
4.55
6.77
9.22
11.07
8.36
8.61
7.52
21.43
8.61
8.49
60
18.47
P/E ratio (avg)x
10.67
12.79
12.51
13.83
15.83
17.42
18.24
18.49
22.37
26.04
37.13
18.49
16.62
31
15.67
P/TBVx
14.65
13.11
11.51
9.956
10.52
10.05
9.800
10.44
10.06
9.654
13.21
10.05
10.25
58
27.14
P/Bx
19.07
20.33
18.23
17.72
17.25
17.21
16.33
17.43
18.76
20.05
7.847
17.43
17.98
12
26.65
Prem. grth%
10.88
8.59
8.52
9.64
10.31
9.32
8.41
5.74
6.73
8.12
18.21
8.12
8.56
55
10.51
Invest. yld%
22.06
23.66
25.02
27.28
24.76
26.46
26.91
24.62
26.14
25.60
21.19
26.14
25.31
70
28.97
BVPS grth%
28.39
31.09
32.66
31.66
32.62
35.42
37.92
38.44
35.51
36.42
11.66
36.42
34.04
76
20.76
Return on equity%
12.90
15.53
14.65
14.35
12.13
14.58
14.44
14.39
17.35
15.44
12.48
14.58
14.51
40
16.28
Return on assets%
19.23
19.62
17.84
20.30
21.30
22.77
25.10
23.65
22.03
20.93
26.73
22.77
21.12
11
8.54
EPSRp
10.75
12.55
12.12
12.22
14.08
14.87
15.78
17.96
20.03
21.86
9.21
9.20%
7.12%
—
11.11
EPS growth%
23.47
21.34
21.22
22.92
21.85
20.10
20.41
18.05
15.26
14.70
4.03
18.05
20.82
91
5.00
Bookvalue per shRp
3.17
2.72
2.81
2.56
2.49
2.22
2.19
2.06
2.04
1.93
8.46
(4.93%)
(5.70%)
—
1.50
TBV/shRp
11.24
13.11
14.26
14.04
15.14
14.36
16.70
15.65
16.28
15.83
4.14
0.90%
4.87%
—
5.70
Dividend per shRp
5.69
6.39
6.88
7.01
7.31
7.89
8.09
8.24
8.05
8.10
1.71
2.07%
4.93%
—
25.47
Div yield (avg)%
13.04
10.86
12.09
11.22
10.47
10.27
10.55
9.32
9.25
10.56
29.71
10.27
10.55
41
19.14
Payout ratio%
14.42
13.45
11.43
13.32
13.12
13.78
14.49
14.61
17.32
17.11
18.77
14.61
14.10
68
3.970
Shares (diluted)B
4.733
4.666
5.288
5.887
6.684
7.431
8.631
8.485
8.589
9.437
4.027
7.14%
8.83%
64
22.36
Buyback yield%
17.93
16.71
18.22
20.93
22.60
20.33
19.07
20.39
22.85
25.56
14.16
20.39
20.36
22
1.211
D/E ratiox
0.495
0.534
0.484
0.426
0.435
0.381
0.398
0.356
0.374
0.408
1.144
0.381
0.417
19
27.72
AssetsRp B
15.31
16.49
17.38
18.95
21.35
23.38
25.60
26.93
30.37
31.55
58.68
8.13%
8.44%
48
27.92
LT debtRp B
55.23
59.40
61.05
59.82
56.68
53.45
55.75
61.00
55.32
61.08
25.66
1.51%
1.89%
46
Claims and benefits
0.26%
1.00×
Return on capital
145.13%