1.514
Revenue£B
0.853
0.901
0.960
1.017
1.041
1.081
1.140
1.165
1.187
1.249
1.607
3.72%
4.14%
67
21.93
Revenue growth%
0.40
0.40
1.32
0.40
0.40
0.40
0.40
0.40
2.35
1.61
29.06
0.40
0.40
63
12.35
Combined R.%
90.97
90.23
93.08
91.25
91.94
91.12
90.47
89.88
92.54
90.11
22.97
90.47
91.05
56
19.17
Operating margin%
17.19
16.71
17.16
15.05
13.69
14.29
16.09
18.86
16.04
13.44
23.73
16.04
16.07
47
15.50
Net margin%
13.30
16.24
18.59
18.80
20.61
19.90
20.31
23.19
25.24
22.56
18.47
22.56
20.11
80
20.82
P/E ratio (avg)x
18.40
19.84
18.57
17.38
19.27
18.46
20.51
22.51
23.43
25.69
14.36
22.51
19.56
61
21.00
P/TBVx
34.41
32.32
31.44
35.69
34.35
33.76
37.84
37.40
35.61
37.93
33.83
37.40
35.01
30
29.39
P/Bx
33.71
38.70
43.67
41.44
43.06
41.32
47.06
49.01
49.12
48.23
34.26
48.23
43.36
32
7.17
Prem. grth%
0.71
0.47
0.65
0.84
0.40
1.93
1.83
4.75
4.47
7.44
13.62
4.47
1.34
43
8.82
Invest. yld%
4.13
6.99
7.17
8.23
9.38
6.77
9.37
8.91
8.22
10.55
27.99
8.91
8.22
33
28.49
BVPS grth%
18.34
18.47
17.19
19.15
16.52
16.91
17.78
18.28
15.60
15.28
21.50
16.91
17.48
89
20.76
Return on equity%
26.04
26.82
29.17
27.78
28.54
26.34
25.30
25.68
24.25
23.02
23.30
25.30
26.19
74
20.97
Return on assets%
14.41
13.51
11.95
12.47
10.45
13.21
15.42
17.80
19.00
18.10
27.88
17.80
13.96
86
0.32
EPS£
1.04
1.01
1.12
1.13
1.27
1.36
1.34
1.34
1.31
1.36
0.35
1.27%
3.06%
—
27.29
EPS growth%
9.34
7.51
7.92
8.07
5.77
8.63
8.17
7.35
6.42
6.85
5.99
7.35
7.72
42
0.37
Bookvalue per sh£
1.19
1.23
1.19
1.06
1.11
1.22
1.23
1.12
1.15
1.07
0.91
(0.77%)
(0.17%)
—
0.48
TBV/sh£
1.16
1.36
1.56
1.82
2.06
2.06
2.24
2.36
2.55
2.85
1.09
6.71%
10.80%
—
0.56
Dividend per sh£
1.13
1.00
0.94
0.95
1.04
0.93
0.91
0.94
0.92
0.96
0.37
(1.53%)
(1.18%)
—
27.09
Div yield (avg)%
7.58
6.83
8.12
8.32
7.63
6.04
3.05
1.86
3.66
3.63
14.30
3.63
6.43
84
6.84
Payout ratio%
6.27
3.63
0.84
0.40
0.40
0.40
1.49
0.40
2.00
0.72
2.82
0.72
0.78
62
973.6
Shares (diluted)M
852.1
793.4
823.8
803.4
734.4
814.5
823.4
737.9
787.7
745.8
985.5
0.31%
(2.15%)
90
22.43
Buyback yield%
4.89
4.66
3.12
4.01
2.93
4.74
2.11
4.28
6.11
8.53
29.45
4.74
4.47
19
1.522
D/E ratiox
1.807
1.816
1.987
2.152
2.389
2.559
2.753
3.187
3.694
4.261
0.413
3.187
2.474
56
0.231
Assets£B
3.738
3.986
4.263
4.599
5.137
5.662
6.145
6.632
7.280
8.026
1.427
9.34%
8.83%
72
0.717
LT debt£B
1.746
1.858
1.810
1.929
2.175
2.084
2.040
2.114
2.018
2.036
1.050
(1.32%)
2.42%
39
Revenue
£1.249B
4.14%
1.00×
Claims and benefits
£735.8M
4.05%
0.99×
Total costs
£1.027B
4.07%
0.99×