0.281
Revenue£B
1.348
1.394
1.496
1.570
1.667
1.764
1.884
1.989
2.077
2.175
0.312
5.46%
5.29%
54
7.31
Revenue growth%
16.91
14.39
13.23
13.88
15.52
14.96
16.10
15.26
16.04
16.72
5.08
16.04
15.39
48
12.48
Combined R.%
91.76
91.29
91.52
90.76
91.49
91.46
91.32
91.38
90.76
91.63
29.33
91.38
91.42
75
16.66
Operating margin%
27.90
26.99
29.67
32.56
34.50
32.98
35.11
32.45
30.47
29.15
22.82
32.45
31.46
94
17.26
Net margin%
19.43
20.18
18.11
18.90
16.46
14.61
12.12
14.65
14.72
14.30
10.46
14.61
15.59
14
32.63
P/E ratio (avg)x
20.22
24.37
26.68
29.66
31.14
37.68
39.84
47.21
50.87
50.04
23.92
47.21
34.41
42
36.45
P/TBVx
9.684
9.117
9.220
9.151
8.089
7.974
6.920
7.408
6.925
6.044
14.55
6.925
8.031
52
34.49
P/Bx
27.22
28.31
27.27
28.67
27.93
29.31
33.32
31.47
30.67
28.79
26.37
30.67
28.73
91
25.83
Prem. grth%
17.35
20.30
22.74
25.70
28.44
27.15
24.51
26.90
24.18
25.92
5.33
25.92
25.11
5
9.24
Invest. yld%
30.98
28.91
30.24
28.47
29.52
31.06
29.40
29.06
29.28
30.27
20.89
29.40
29.46
69
8.89
BVPS grth%
34.16
36.06
38.09
40.71
43.44
46.00
44.31
45.64
43.85
45.70
29.77
45.64
43.65
54
11.46
Return on equity%
11.59
13.22
10.78
13.06
12.04
14.84
13.51
13.38
14.94
15.25
25.20
14.84
13.30
92
23.78
Return on assets%
14.82
13.07
12.56
11.58
11.87
13.17
11.20
12.34
10.86
9.90
4.01
11.20
12.11
64
0.58
EPS£
5.43
6.33
6.20
6.99
8.08
9.65
10.02
11.52
12.79
13.99
0.64
11.61%
11.37%
—
27.80
EPS growth%
7.09
7.46
10.11
11.55
11.88
11.80
14.35
12.90
11.04
9.07
9.20
11.80
11.29
65
0.58
Bookvalue per sh£
1.90
1.83
1.92
1.93
2.28
2.47
2.58
2.75
2.86
3.42
2.03
8.46%
6.02%
—
3.45
TBV/sh£
3.75
4.10
4.19
4.56
5.01
5.33
5.05
4.98
4.34
4.35
3.45
(2.82%)
1.56%
—
1.63
Dividend per sh£
0.98
0.88
0.92
0.91
0.91
1.03
1.16
1.17
1.27
1.34
1.62
8.05%
2.20%
—
21.23
Div yield (avg)%
9.73
7.63
9.74
9.85
9.57
10.32
11.41
13.35
14.76
13.12
25.47
13.12
10.09
74
4.88
Payout ratio%
12.32
13.41
13.90
13.43
15.53
15.93
15.96
16.84
18.26
16.98
15.06
16.84
15.73
75
314.1
Shares (diluted)M
356.8
374.5
430.4
466.2
539.4
610.1
577.0
612.3
636.5
703.0
301.8
5.44%
6.74%
26
11.15
Buyback yield%
12.26
13.07
10.60
11.09
12.28
10.76
8.63
6.22
7.00
9.28
29.50
8.63
10.68
40
1.071
D/E ratiox
0.859
0.872
0.864
0.868
0.846
0.945
1.071
1.124
1.128
1.091
0.395
1.091
0.908
12
0.499
Assets£B
4.334
4.576
5.164
5.354
6.026
6.389
6.913
7.619
8.192
9.129
2.105
8.66%
8.89%
72
1.215
LT debt£B
0.799
0.789
0.874
0.954
0.973
1.029
0.971
1.122
1.141
1.160
0.218
3.58%
4.55%
37
Revenue
£2.175B
5.29%
1.00×
Claims and benefits
£1.232B
5.36%
1.01×
Total costs
£1.830B
5.35%
1.01×