6.556
RevenueR B
7.143
7.403
7.888
8.518
8.857
9.494
10.09
10.75
11.32
11.99
6.707
6.24%
5.97%
81
6.00
Revenue growth%
17.82
16.17
18.26
17.40
19.26
17.75
19.01
21.20
19.90
22.67
7.78
19.90
18.63
46
24.13
Combined R.%
83.46
83.29
82.20
81.21
81.60
81.00
81.98
82.33
82.04
82.47
27.57
82.04
82.12
94
28.20
Operating margin%
12.20
12.44
14.75
16.18
18.67
18.30
16.67
15.59
18.21
17.57
3.68
17.57
16.43
67
20.39
Net margin%
16.50
14.01
16.15
13.29
12.04
13.35
13.66
16.19
18.79
17.54
6.28
16.19
15.08
66
27.13
P/E ratio (avg)x
11.30
11.11
12.15
10.65
10.47
9.961
8.572
8.726
8.800
8.864
26.38
8.800
10.22
11
11.21
P/TBVx
12.46
10.87
10.18
10.42
9.474
8.767
8.408
8.240
7.555
7.083
37.17
8.240
9.120
74
24.60
P/Bx
12.35
12.36
11.29
10.81
9.546
8.296
7.327
6.635
6.081
5.976
18.28
6.635
8.921
86
3.69
Prem. grth%
15.29
15.39
14.92
17.76
16.87
16.69
15.53
13.28
14.54
16.81
25.76
15.53
15.46
50
28.39
Invest. yld%
2.77
2.33
4.16
2.54
2.44
3.50
3.05
1.78
3.48
2.58
23.07
3.05
2.67
42
28.81
BVPS grth%
10.07
8.54
8.46
5.62
8.32
5.60
3.07
0.79
3.09
2.51
12.00
3.07
5.61
89
15.53
Return on equity%
28.40
31.11
29.91
29.91
27.34
26.49
24.72
22.12
23.19
20.56
20.20
23.19
26.91
87
29.85
Return on assets%
16.76
14.46
11.59
11.43
8.95
10.53
9.85
6.88
9.16
9.78
19.29
9.78
10.19
10
7.61
EPSR
12.18
11.87
12.60
13.57
15.02
15.21
16.61
16.98
20.52
23.18
8.42
9.07%
6.32%
—
7.05
EPS growth%
18.03
17.32
14.68
16.76
15.57
17.08
15.03
12.26
11.60
11.09
4.79
12.26
15.30
52
2.05
Bookvalue per shR
4.47
4.05
3.76
3.25
2.94
2.88
3.08
2.71
2.63
2.65
5.57
(2.05%)
(5.78%)
—
1.96
TBV/shR
11.27
10.83
12.50
14.09
16.33
16.50
15.79
17.17
17.47
18.29
5.53
2.30%
5.37%
—
5.20
Dividend per shR
9.05
9.89
10.43
11.03
10.94
11.73
11.58
13.59
14.95
16.32
7.17
8.33%
6.32%
—
19.40
Div yield (avg)%
30.79
28.63
26.69
27.07
26.42
24.80
25.78
24.78
27.52
25.07
3.99
25.07
26.55
12
11.97
Payout ratio%
25.28
25.05
27.19
26.08
26.04
27.49
24.51
24.29
27.07
29.91
13.58
27.07
26.06
53
1.252
Shares (diluted)B
1.392
1.281
1.304
1.159
1.214
1.278
1.333
1.341
1.380
1.406
1.255
2.99%
(0.63%)
54
19.27
Buyback yield%
17.23
19.45
17.81
15.79
13.26
13.66
15.98
15.37
14.65
11.97
5.19
14.65
15.58
85
0.660
D/E ratiox
0.457
0.454
0.470
0.467
0.473
0.535
0.571
0.548
0.526
0.490
0.380
0.535
0.481
11
5.401
AssetsR B
36.15
38.78
41.67
43.75
47.42
52.15
55.01
58.33
63.39
72.55
5.541
8.88%
7.62%
53
7.194
LT debtR B
1.634
1.678
1.773
1.922
1.985
1.926
1.829
1.631
1.729
1.810
1.145
(1.82%)
(0.23%)
34
Revenue
R 11.99B
5.97%
1.00×
Claims and benefits
R 6.353B
6.07%
1.01×
Total costs
R 9.008B
6.07%
1.01×