50.57
RevenueKD M
57.48
59.44
62.67
65.49
69.04
72.26
72.80
75.42
79.14
83.38
51.63
3.85%
4.28%
32
12.60
Revenue growth%
19.51
18.14
18.18
19.73
18.65
20.86
22.40
25.30
22.99
25.14
5.45
22.99
20.30
12
8.77
Combined R.%
88.08
87.30
87.53
86.71
86.71
89.40
87.43
87.94
89.00
89.79
13.74
89.00
87.73
59
27.64
Operating margin%
14.64
13.37
14.26
15.19
12.49
12.22
10.07
8.58
7.25
8.35
26.17
8.58
12.36
27
13.66
Net margin%
16.61
19.48
20.91
22.95
25.47
27.01
29.94
32.05
34.25
37.19
2.61
32.05
26.24
19
16.03
P/E ratio (avg)x
16.53
17.03
19.14
21.02
20.66
19.72
18.73
20.76
22.66
25.06
15.17
20.76
20.19
88
6.747
P/TBVx
20.68
21.87
22.25
24.56
24.10
23.52
24.18
24.59
22.19
22.87
28.06
23.52
23.19
57
8.176
P/Bx
17.69
19.89
22.65
22.94
26.43
28.95
28.16
26.42
25.27
28.61
8.939
28.16
25.84
52
29.51
Prem. grth%
34.44
35.04
37.40
35.95
37.10
38.51
38.22
38.80
39.42
37.31
27.96
38.51
37.36
44
23.06
Invest. yld%
7.84
4.87
3.77
5.97
5.36
8.05
7.13
8.97
8.13
9.05
28.36
8.13
7.48
50
14.59
BVPS grth%
18.50
19.61
18.07
17.67
20.23
18.56
20.33
18.75
19.04
17.36
25.19
18.75
18.66
14
21.04
Return on equity%
18.59
18.90
21.87
20.50
22.69
22.50
21.71
21.99
19.65
19.00
2.43
21.71
21.10
80
13.92
Return on assets%
29.37
30.99
33.07
33.61
32.29
31.97
30.07
32.36
33.47
36.14
3.35
32.36
32.32
79
0.09
EPSKD
0.10
0.11
0.13
0.14
0.13
0.16
0.15
0.15
0.14
0.14
0.09
0.75%
2.74%
—
15.06
EPS growth%
8.32
7.25
8.09
8.76
9.80
8.85
9.65
9.42
9.82
9.33
6.82
9.42
9.09
77
0.09
Bookvalue per shKD
0.10
0.11
0.10
0.12
0.12
0.13
0.15
0.15
0.17
0.18
0.07
7.76%
6.26%
—
0.07
TBV/shKD
0.04
0.04
0.04
0.05
0.05
0.05
0.06
0.07
0.08
0.08
0.05
8.67%
10.02%
—
0.10
Dividend per shKD
0.06
0.06
0.05
0.05
0.05
0.04
0.04
0.04
0.04
0.04
0.02
(2.16%)
(4.43%)
—
22.31
Div yield (avg)%
14.33
12.24
10.84
10.61
10.20
9.54
7.94
7.51
7.00
6.72
13.69
7.51
9.87
72
19.26
Payout ratio%
15.78
18.51
16.29
18.34
19.95
19.72
17.02
17.67
15.80
15.58
22.75
17.02
17.35
81
248.9
Shares (diluted)M
295.0
298.3
326.6
345.0
346.1
354.2
351.5
370.7
394.9
390.6
249.3
2.45%
1.82%
6
4.48
Buyback yield%
22.18
21.50
19.60
20.50
21.70
21.32
22.35
23.12
25.54
23.94
18.58
23.12
21.94
16
0.710
D/E ratiox
2.340
2.606
2.552
2.745
3.226
3.804
4.382
4.341
4.155
4.747
1.148
4.341
3.515
28
76.63
AssetsKD M
142.6
160.4
175.2
200.3
209.8
231.6
254.6
265.1
297.5
319.2
19.85
8.76%
9.04%
45
72.96
LT debtKD M
65.61
62.34
69.29
77.14
75.07
77.83
86.71
96.32
111.1
113.6
31.09
8.63%
6.52%
29
Claims and benefits
4.47%
1.02×