0.645
RevenueRM B
0.506
0.560
0.608
0.664
0.709
0.783
0.855
0.945
1.013
1.101
0.677
9.19%
9.13%
89
16.20
Revenue growth%
29.74
32.14
31.09
33.37
33.12
34.87
33.10
36.04
34.33
36.16
25.13
34.87
33.24
86
3.15
Combined R.%
82.65
84.30
83.78
84.43
82.31
82.89
84.67
82.66
83.27
84.69
4.63
83.27
83.53
23
7.33
Operating margin%
15.29
15.80
17.14
19.36
21.17
24.15
26.95
29.55
27.94
27.98
25.19
27.94
22.66
27
16.02
Net margin%
5.50
2.67
0.40
0.40
1.57
0.40
0.75
1.85
1.92
0.40
29.62
0.75
1.16
12
10.56
P/E ratio (avg)x
35.76
34.12
31.99
32.65
36.45
37.70
36.07
41.18
45.94
43.98
29.94
41.18
36.26
17
16.06
P/TBVx
16.18
15.33
15.99
18.43
19.71
18.90
19.37
19.24
18.11
20.47
15.69
19.24
18.67
73
23.60
P/Bx
28.06
30.13
29.73
32.90
35.84
31.76
35.14
37.08
36.16
38.89
35.73
36.16
34.02
71
28.81
Prem. grth%
17.89
18.80
17.63
17.70
14.91
14.72
15.39
13.37
13.26
11.33
7.66
13.37
15.15
81
21.16
Invest. yld%
13.46
13.90
14.58
12.85
10.09
9.74
9.10
7.03
7.74
9.96
12.38
9.10
10.03
23
27.22
BVPS grth%
17.62
16.99
16.67
15.87
17.61
14.73
17.68
18.99
20.28
20.19
13.17
18.99
17.62
29
14.08
Return on equity%
14.49
12.00
14.78
15.22
14.03
14.54
12.94
12.43
12.20
13.63
28.30
12.94
13.83
10
29.99
Return on assets%
19.15
20.52
22.30
23.67
22.14
21.06
18.79
18.48
17.07
18.92
12.28
18.79
19.84
36
0.25
EPSRM
0.14
0.15
0.18
0.20
0.24
0.27
0.28
0.27
0.27
0.28
0.26
3.51%
8.30%
—
2.06
EPS growth%
0.40
0.40
0.40
0.40
0.40
0.40
2.13
5.09
7.89
8.86
3.92
5.09
0.40
33
0.36
Bookvalue per shRM
0.57
0.54
0.57
0.57
0.51
0.51
0.55
0.59
0.59
0.62
0.42
4.16%
2.08%
—
0.19
TBV/shRM
0.22
0.23
0.26
0.30
0.32
0.33
0.38
0.39
0.41
0.44
0.20
6.59%
6.98%
—
0.40
Dividend per shRM
0.39
0.43
0.40
0.37
0.37
0.38
0.36
0.34
0.34
0.38
0.55
0.16%
(0.62%)
—
27.27
Div yield (avg)%
20.54
19.50
17.13
14.41
14.38
11.61
9.34
8.73
7.45
7.58
8.57
8.73
12.99
36
16.14
Payout ratio%
17.17
19.83
21.76
24.15
26.72
28.48
28.52
25.58
26.63
26.92
29.00
26.92
26.11
50
0.889
Shares (diluted)B
1.117
1.272
1.161
1.222
1.207
1.147
1.173
1.264
1.244
1.228
0.880
0.34%
2.15%
32
26.85
Buyback yield%
27.45
25.11
24.11
21.43
18.93
17.24
19.07
16.42
18.06
19.88
29.87
18.06
19.47
69
1.189
D/E ratiox
1.642
1.673
1.578
1.738
1.783
1.767
1.789
1.932
1.962
2.147
0.428
1.932
1.775
33
0.886
AssetsRM B
2.751
2.981
3.259
3.630
3.956
4.434
4.903
5.364
5.760
6.602
0.236
10.79%
10.20%
6
658.9
LT debtRM M
369.5
364.0
394.9
429.3
461.7
506.3
547.0
575.7
656.8
761.5
133.8
10.53%
9.15%
89
Claims and benefits
9.26%
1.01×