199.0
RevenueRM M
262.5
288.0
313.9
340.0
377.3
413.5
439.6
485.7
520.9
553.9
209.5
7.98%
8.77%
11
13.92
Revenue growth%
12.09
10.69
10.92
11.41
11.42
8.54
6.98
9.60
10.63
12.80
8.09
9.60
10.81
48
11.25
Combined R.%
82.52
84.08
85.30
83.36
85.18
83.32
83.53
82.91
84.60
83.61
17.30
83.53
83.57
66
20.25
Operating margin%
9.43
8.36
7.18
6.04
4.36
4.92
5.98
5.04
7.85
5.22
9.35
5.22
6.01
23
11.60
Net margin%
7.16
9.30
9.45
8.58
10.45
10.26
7.61
9.47
10.58
9.96
21.92
9.96
9.46
79
31.68
P/E ratio (avg)x
29.34
33.98
33.77
35.44
37.62
44.16
45.43
49.90
52.33
51.41
30.19
49.90
40.89
52
7.954
P/TBVx
49.36
51.63
51.10
55.91
53.56
62.35
68.51
71.17
78.31
84.25
25.52
71.17
59.13
23
24.14
P/Bx
8.635
7.932
7.621
7.188
6.699
6.673
5.981
5.530
5.711
5.429
35.34
5.711
6.686
21
21.48
Prem. grth%
7.77
9.48
8.16
6.02
8.59
8.88
8.09
9.94
8.20
6.96
17.73
8.20
8.18
47
7.88
Invest. yld%
7.65
8.39
5.87
8.56
10.12
7.61
5.66
5.72
4.82
1.99
8.69
5.66
6.74
89
28.44
BVPS grth%
19.55
20.05
18.66
16.22
13.38
11.77
10.04
8.59
7.07
4.59
10.86
8.59
12.57
7
18.52
Return on equity%
21.07
18.88
18.95
18.59
16.84
18.26
17.35
18.31
19.38
18.96
29.80
18.31
18.73
7
5.84
Return on assets%
21.05
22.96
23.86
26.54
28.36
29.41
30.00
32.35
33.84
32.49
8.66
32.35
28.88
62
0.33
EPSRM
0.33
0.30
0.33
0.35
0.38
0.42
0.41
0.38
0.39
0.37
0.36
(0.36%)
0.91%
—
23.31
EPS growth%
7.81
6.69
5.55
2.78
4.81
2.32
0.40
2.74
4.04
1.64
27.72
2.32
3.41
75
0.17
Bookvalue per shRM
0.34
0.36
0.35
0.38
0.41
0.41
0.40
0.43
0.42
0.45
0.22
1.84%
3.12%
—
0.42
TBV/shRM
0.32
0.33
0.39
0.38
0.43
0.42
0.46
0.44
0.50
0.47
0.49
1.94%
3.57%
—
0.25
Dividend per shRM
0.10
0.11
0.10
0.10
0.09
0.10
0.09
0.09
0.09
0.08
0.10
(3.14%)
(2.01%)
—
27.26
Div yield (avg)%
15.85
14.25
16.81
18.88
18.06
20.02
20.06
18.10
20.23
20.19
2.62
20.06
18.49
73
29.20
Payout ratio%
10.87
10.30
7.71
7.69
7.55
5.74
4.90
5.33
2.67
5.18
16.85
5.18
6.65
71
796.4
Shares (diluted)M
545.9
503.3
490.3
516.7
515.7
557.0
483.5
444.3
472.5
454.8
790.8
(2.48%)
(3.13%)
30
19.14
Buyback yield%
8.45
10.53
12.74
15.14
12.27
13.82
11.40
11.21
8.97
8.41
27.24
11.21
11.30
50
0.639
D/E ratiox
1.677
1.666
1.935
1.923
1.889
1.967
2.228
2.434
2.440
2.438
1.252
2.434
1.951
8
0.564
AssetsRM B
1.439
1.547
1.714
1.760
1.854
2.008
2.125
2.422
2.639
2.957
0.244
9.79%
8.32%
24
674.8
LT debtRM M
229.6
219.0
227.7
207.9
199.5
202.0
212.7
205.3
189.8
198.0
59.72
(0.15%)
(2.27%)
37
Claims and benefits
8.55%
0.98×