0.266
RevenueRM B
0.647
0.688
0.726
0.765
0.788
0.820
0.862
0.915
0.963
1.011
0.292
5.11%
5.09%
8
20.70
Revenue growth%
23.72
22.78
22.26
23.62
25.23
24.13
25.27
28.16
29.68
27.68
26.84
27.68
24.68
33
16.25
Combined R.%
86.83
87.74
87.52
87.69
87.76
86.91
86.69
87.11
86.77
86.93
26.81
86.91
87.02
88
12.05
Operating margin%
12.48
13.47
11.89
12.23
9.88
12.76
13.02
11.95
9.59
12.55
3.64
12.55
12.35
73
21.46
Net margin%
7.44
4.89
7.38
7.44
9.18
6.88
8.49
8.68
5.93
3.15
12.27
6.88
7.41
65
18.92
P/E ratio (avg)x
8.216
7.352
8.124
8.914
8.446
9.323
8.723
8.576
8.104
8.889
11.37
8.723
8.511
62
6.784
P/TBVx
35.03
35.09
36.25
35.50
33.16
30.03
29.17
27.96
28.85
29.65
6.570
29.17
31.59
40
26.68
P/Bx
24.01
27.44
31.31
36.27
35.64
36.14
41.84
48.91
58.62
66.36
20.96
48.91
36.20
78
14.16
Prem. grth%
22.94
21.77
19.86
18.21
20.09
21.74
21.41
23.91
24.33
26.83
27.49
23.91
21.76
10
8.91
Invest. yld%
28.44
29.04
31.13
33.91
33.77
36.19
38.91
41.89
40.33
43.23
25.84
40.33
35.05
61
15.70
BVPS grth%
0.85
0.94
0.53
0.40
2.96
0.61
0.40
0.40
3.30
4.94
7.23
0.61
0.73
82
24.65
Return on equity%
23.97
23.17
21.99
24.98
23.51
26.14
28.14
28.99
26.97
25.04
10.71
26.97
25.01
43
10.33
Return on assets%
8.35
8.62
7.60
9.15
10.35
11.60
8.71
8.52
6.13
7.73
28.30
8.52
8.57
9
1.05
EPSRM
1.52
1.57
1.62
1.77
1.85
1.88
1.73
1.78
1.73
1.63
1.15
(2.50%)
(0.83%)
—
13.81
EPS growth%
11.17
13.92
14.61
15.28
13.87
14.94
12.33
12.38
10.80
8.95
18.98
12.33
13.13
44
1.78
Bookvalue per shRM
1.80
1.75
1.65
1.74
1.89
2.06
2.26
2.31
2.52
2.62
1.02
6.74%
4.71%
—
1.62
TBV/shRM
1.25
1.30
1.35
1.26
1.20
1.09
1.15
1.01
1.10
1.08
0.42
(2.04%)
(1.57%)
—
1.42
Dividend per shRM
0.78
0.79
0.78
0.88
0.85
0.93
1.02
1.13
1.12
1.20
1.26
7.08%
6.02%
—
24.29
Div yield (avg)%
0.40
2.02
4.09
4.61
3.18
0.63
0.40
1.25
0.40
2.91
6.86
0.63
1.64
50
16.23
Payout ratio%
5.00
7.61
7.49
7.46
4.59
5.32
5.24
7.74
7.74
5.98
28.35
5.98
6.72
45
396.7
Shares (diluted)M
410.3
440.0
429.1
468.1
410.1
424.4
405.8
435.9
416.2
425.3
396.6
0.73%
0.49%
79
3.95
Buyback yield%
28.11
30.52
28.61
31.14
31.46
29.30
32.22
30.20
29.63
32.55
28.33
30.20
30.36
79
0.944
D/E ratiox
1.996
2.115
2.353
2.709
3.179
3.582
3.668
3.502
3.784
3.603
0.700
3.603
3.341
19
1.077
AssetsRM B
1.209
1.322
1.454
1.537
1.683
1.820
1.940
2.119
2.273
2.412
0.190
7.46%
7.71%
40
0.260
LT debtRM B
1.449
1.597
1.669
1.934
2.022
2.444
2.471
2.833
2.919
3.404
0.306
10.98%
10.71%
37
Claims and benefits
4.81%
0.97×
Spread over hurdle
17.35%