4.514
Revenue£B
2.866
3.030
3.225
3.466
3.727
3.945
4.285
4.570
4.927
5.426
4.825
7.80%
7.45%
34
11.04
Revenue growth%
0.40
2.11
2.45
2.96
3.06
5.88
8.23
6.40
6.37
8.24
5.87
6.40
4.47
32
5.74
Combined R.%
79.84
78.43
80.46
80.55
80.34
81.72
80.67
81.01
79.20
80.06
25.96
80.67
80.40
34
12.66
Operating margin%
14.05
15.85
13.22
12.30
13.03
15.93
13.27
14.35
13.49
15.34
6.12
14.35
13.77
37
28.69
Net margin%
22.19
23.00
25.83
23.62
26.52
27.40
29.52
29.48
31.34
31.49
3.12
29.52
26.96
12
18.87
P/E ratio (avg)x
48.24
53.11
51.38
53.99
51.57
59.63
66.95
73.35
79.68
84.67
9.069
73.35
56.81
17
7.889
P/TBVx
13.94
14.03
13.99
13.82
14.03
16.21
18.42
22.18
23.49
26.87
29.90
22.18
15.12
62
6.746
P/Bx
16.99
18.52
18.52
17.46
18.40
21.07
21.21
22.76
25.49
23.62
27.69
22.76
19.80
75
11.75
Prem. grth%
12.76
12.57
15.56
12.73
15.17
17.93
19.71
20.75
23.66
24.48
19.52
20.75
16.75
72
27.39
Invest. yld%
6.27
8.02
6.71
7.34
8.77
10.61
12.31
10.39
13.15
12.45
16.55
12.31
9.58
61
4.16
BVPS grth%
0.74
3.10
5.02
6.35
6.47
5.93
4.64
3.73
1.70
0.40
19.65
3.73
4.19
28
12.66
Return on equity%
8.95
10.54
10.50
12.78
12.46
10.70
8.77
8.44
7.22
8.89
15.84
8.77
9.72
67
27.83
Return on assets%
10.67
13.12
11.72
9.03
7.12
7.32
6.42
9.06
9.08
8.96
3.18
8.96
9.04
84
0.40
EPS£
0.86
0.87
0.81
0.72
0.79
0.73
0.82
0.91
0.83
0.75
0.41
(0.93%)
(1.71%)
—
18.69
EPS growth%
12.67
10.18
7.44
9.40
7.32
7.13
8.23
10.66
13.50
10.78
8.17
10.66
9.79
60
0.96
Bookvalue per sh£
0.46
0.47
0.48
0.48
0.53
0.56
0.55
0.59
0.57
0.65
0.18
4.45%
4.05%
—
0.57
TBV/sh£
1.56
1.55
1.82
2.10
2.28
2.35
2.67
3.08
3.12
3.68
0.21
10.01%
10.34%
—
0.31
Dividend per sh£
0.61
0.63
0.65
0.64
0.67
0.67
0.75
0.88
0.93
0.97
1.10
7.48%
4.19%
—
10.23
Div yield (avg)%
4.23
1.43
2.82
1.44
2.61
3.17
0.87
0.40
0.40
0.40
12.65
0.40
1.44
23
10.80
Payout ratio%
3.36
3.55
5.09
6.13
6.21
8.67
9.70
9.87
8.96
7.35
9.15
8.96
6.78
83
2.984
Shares (diluted)B
4.596
4.845
5.246
5.197
6.102
6.110
7.036
7.392
7.771
9.392
2.908
9.01%
7.74%
94
25.87
Buyback yield%
31.96
32.88
32.81
35.24
37.25
36.80
36.91
38.30
39.44
41.66
14.36
38.30
36.85
47
1.602
D/E ratiox
1.701
1.867
1.910
1.904
1.912
2.150
2.249
2.583
2.835
3.101
0.886
2.583
2.031
85
1.943
Assets£B
1.588
1.724
1.864
2.079
2.203
2.471
2.673
2.753
2.963
3.221
1.866
7.89%
8.38%
11
1.710
LT debt£B
3.383
3.406
3.646
3.866
4.184
4.403
4.926
5.659
5.968
6.794
3.139
10.18%
8.29%
19
Revenue
£5.426B
7.45%
1.00×
Claims and benefits
£2.706B
7.83%
1.04×
Total costs
£3.976B
7.40%
1.00×
Spread over hurdle
80.89%