37.84
RevenueRM M
50.80
55.53
58.32
61.79
64.70
70.58
76.95
80.96
87.26
93.03
39.45
7.53%
7.12%
68
11.77
Revenue growth%
26.94
28.56
30.85
28.56
27.93
25.98
23.70
21.86
20.68
21.13
21.83
21.86
26.46
46
7.13
Combined R.%
85.06
85.72
84.32
84.58
85.01
82.90
84.38
84.48
83.49
84.41
2.63
84.38
84.45
34
12.62
Operating margin%
11.65
14.42
12.99
12.56
15.28
15.67
14.60
11.62
10.70
8.08
27.21
11.62
12.78
32
23.36
Net margin%
1.64
2.91
4.35
3.80
2.86
2.59
4.65
4.93
5.01
2.57
17.09
4.65
3.35
36
33.87
P/E ratio (avg)x
32.16
34.39
37.79
34.86
33.18
38.01
39.29
40.17
43.20
41.78
25.61
40.17
37.90
48
16.40
P/TBVx
15.97
17.24
15.25
15.69
15.82
13.95
12.74
12.70
11.43
12.08
13.37
12.70
14.60
17
33.86
P/Bx
15.56
15.31
15.35
14.57
14.58
15.10
14.76
12.50
12.80
11.56
35.00
12.80
14.67
95
26.79
Prem. grth%
9.98
11.09
11.91
9.35
12.08
12.24
10.23
12.70
15.10
12.36
3.37
12.36
12.00
83
28.50
Invest. yld%
10.48
8.48
10.38
11.09
9.40
10.07
7.49
5.64
8.08
10.97
10.56
8.08
9.74
23
21.40
BVPS grth%
0.40
1.07
2.07
2.98
2.54
3.13
0.65
2.89
5.02
2.10
25.90
2.89
2.32
46
16.46
Return on equity%
14.99
13.51
15.27
17.17
15.74
17.12
19.76
20.55
20.48
21.55
17.13
20.48
17.15
32
20.89
Return on assets%
25.19
27.67
27.51
26.84
25.11
24.50
22.65
22.51
22.32
22.07
17.12
22.51
24.80
77
0.22
EPSRM
0.36
0.36
0.37
0.36
0.34
0.38
0.36
0.42
0.48
0.51
0.23
8.69%
4.74%
—
25.77
EPS growth%
5.24
7.72
7.94
6.13
8.44
8.30
5.74
5.20
5.20
2.76
7.52
5.20
5.93
65
0.49
Bookvalue per shRM
0.42
0.42
0.44
0.41
0.38
0.39
0.37
0.34
0.33
0.34
0.37
(1.71%)
(1.33%)
—
0.43
TBV/shRM
0.23
0.26
0.27
0.31
0.30
0.31
0.33
0.39
0.43
0.50
0.32
10.76%
10.03%
—
0.14
Dividend per shRM
0.45
0.50
0.52
0.55
0.54
0.51
0.46
0.51
0.55
0.57
0.15
1.07%
3.49%
—
23.37
Div yield (avg)%
15.17
17.45
20.34
20.61
21.81
20.79
17.83
15.05
17.15
14.80
26.87
17.15
17.64
72
21.37
Payout ratio%
24.33
21.52
23.44
22.10
19.94
22.40
20.55
19.71
20.74
23.50
4.20
20.74
21.81
62
245.9
Shares (diluted)M
264.8
262.8
256.7
299.6
283.9
264.8
268.5
285.1
304.6
349.2
241.5
4.23%
2.42%
71
28.59
Buyback yield%
27.78
30.27
29.05
26.24
28.09
28.10
27.78
28.81
27.69
29.90
13.36
28.10
28.09
44
1.100
D/E ratiox
2.562
2.701
2.871
3.374
3.851
4.466
4.803
4.799
4.582
4.492
1.783
4.582
4.159
77
39.64
AssetsRM M
244.3
272.2
291.0
322.2
353.1
381.3
419.3
446.8
487.4
496.2
43.50
7.04%
8.25%
39
62.84
LT debtRM M
57.63
52.73
53.40
54.42
57.07
50.47
48.45
47.09
43.93
44.94
42.54
(4.67%)
(3.18%)
45
Claims and benefits
7.02%
0.99×
Spread over hurdle
(0.36%)