4.442
RevenueKD M
8.288
8.393
8.505
8.850
9.283
9.679
10.11
10.55
11.14
11.30
4.789
4.01%
3.33%
33
21.57
Revenue growth%
19.00
19.74
20.23
21.95
22.11
19.62
17.99
17.05
18.39
18.87
11.78
18.39
19.31
66
25.34
Combined R.%
89.83
89.06
89.47
89.30
90.09
89.03
88.04
89.57
89.24
88.79
28.08
89.03
89.27
35
9.46
Operating margin%
35.46
33.81
30.84
33.48
32.34
29.47
28.64
26.14
25.81
24.66
15.56
26.14
30.16
91
17.30
Net margin%
28.55
26.03
25.94
23.67
25.03
27.45
28.98
26.46
25.32
28.18
25.75
27.45
26.24
74
21.86
P/E ratio (avg)x
23.69
26.71
27.08
31.54
34.03
38.91
41.83
46.97
46.43
45.99
24.77
45.99
36.47
13
32.51
P/TBVx
12.08
13.03
13.80
14.62
14.88
16.71
17.92
16.95
16.24
15.70
11.85
16.71
15.29
93
22.66
P/Bx
31.45
33.57
40.72
45.31
48.29
53.16
53.41
64.91
69.27
78.92
27.99
64.91
50.72
30
21.98
Prem. grth%
34.13
33.19
32.79
34.06
32.82
31.78
29.97
29.06
28.38
28.46
13.25
29.06
32.28
74
27.43
Invest. yld%
32.74
29.80
29.01
28.14
27.16
28.84
29.86
30.65
29.05
30.69
8.94
29.86
29.43
35
17.63
BVPS grth%
5.83
4.94
6.77
7.52
6.38
3.78
2.59
4.69
3.60
6.18
12.77
3.78
5.38
67
29.35
Return on equity%
21.65
21.14
19.46
20.97
17.98
16.88
14.38
15.17
17.04
19.94
16.46
16.88
18.72
72
20.68
Return on assets%
27.22
25.07
25.64
23.92
21.08
23.72
20.93
22.20
19.20
21.63
7.07
21.63
22.96
31
0.01
EPSKD
0.01
0.01
0.02
0.02
0.02
0.02
0.02
0.03
0.03
0.03
0.01
8.09%
8.22%
—
25.81
EPS growth%
26.83
28.72
31.04
32.07
31.54
33.02
30.84
33.19
33.34
36.30
7.75
33.19
31.80
25
0.01
Bookvalue per shKD
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
(6.54%)
(3.63%)
—
0.01
TBV/shKD
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
2.94%
3.89%
—
0.01
Dividend per shKD
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
3.83%
0.36%
—
21.06
Div yield (avg)%
6.81
8.26
5.77
3.01
4.26
5.56
5.73
7.88
7.31
7.88
3.69
7.31
6.29
93
25.91
Payout ratio%
3.04
1.22
0.40
1.71
4.23
3.30
0.44
1.71
0.40
0.82
14.21
0.82
1.46
62
242.2
Shares (diluted)M
256.0
249.3
260.2
265.9
269.6
274.8
244.6
247.1
236.1
228.7
249.1
(3.23%)
(1.40%)
78
23.61
Buyback yield%
17.87
17.15
18.43
17.09
20.07
21.40
22.76
21.37
22.62
22.90
11.67
22.62
20.72
18
1.059
D/E ratiox
0.813
0.780
0.809
0.865
0.981
1.068
1.188
1.234
1.324
1.419
1.347
1.234
1.025
51
13.38
AssetsKD M
37.02
38.10
42.47
43.92
46.20
50.94
56.89
58.23
64.35
71.54
8.648
9.14%
7.84%
38
3.959
LT debtKD M
10.42
10.22
10.47
12.00
14.23
16.21
16.46
16.17
15.65
15.12
9.660
1.22%
5.46%
15
Claims and benefits
3.02%
0.97×