2.948
RevenueFr B
2.717
2.889
3.076
3.281
3.557
3.828
4.175
4.623
5.003
5.439
3.050
8.86%
8.03%
75
15.62
Revenue growth%
25.96
24.30
27.04
24.89
24.53
26.47
24.26
22.20
24.56
25.61
6.50
24.56
24.73
34
11.86
Combined R.%
80.42
82.03
80.78
81.00
80.58
79.50
79.99
79.16
82.57
80.41
7.58
79.99
80.50
46
2.41
Operating margin%
8.56
10.66
10.48
10.08
12.46
14.72
17.47
18.79
19.26
17.93
18.71
17.93
13.59
30
20.98
Net margin%
30.00
32.16
32.65
32.95
31.94
29.98
29.71
28.38
28.43
28.02
9.00
28.43
29.99
65
26.82
P/E ratio (avg)x
6.795
7.295
7.270
8.033
7.472
8.342
7.850
8.266
7.586
6.931
29.79
7.850
7.529
93
11.29
P/TBVx
32.49
32.80
31.48
31.91
36.55
40.39
38.24
43.98
50.77
52.52
21.40
43.98
37.40
74
11.85
P/Bx
6.188
5.662
5.305
4.767
4.961
5.295
5.619
5.551
6.072
6.048
25.42
5.619
5.585
12
18.21
Prem. grth%
11.43
10.10
8.83
6.80
6.32
7.95
6.46
3.81
5.75
5.19
2.51
5.75
6.63
53
19.17
Invest. yld%
2.71
2.39
0.52
1.92
3.76
2.54
0.40
3.24
3.52
3.65
5.45
3.24
2.62
65
24.37
BVPS grth%
22.20
23.15
23.82
23.77
26.10
29.04
28.92
30.81
28.73
31.14
9.39
29.04
27.41
40
6.35
Return on equity%
14.99
14.61
12.02
13.97
16.56
18.28
16.82
17.85
18.81
16.29
2.91
17.85
16.43
47
21.78
Return on assets%
19.46
16.58
17.37
19.55
17.92
16.96
15.38
16.16
15.22
12.58
15.11
15.38
16.77
63
31.91
EPSFr
35.92
38.36
43.37
50.60
61.14
62.44
66.61
67.58
73.60
83.24
35.54
6.37%
9.19%
—
8.18
EPS growth%
10.07
7.17
6.39
4.75
6.64
8.54
9.19
7.13
4.51
2.28
23.88
7.13
6.88
67
102.44
Bookvalue per shFr
257.00
280.08
317.85
349.11
374.73
374.70
386.29
437.39
492.88
473.83
152.73
4.80%
7.67%
—
157.51
TBV/shFr
84.28
86.75
79.67
75.16
82.74
75.36
68.41
63.51
59.18
62.83
84.66
(5.36%)
(2.81%)
—
70.51
Dividend per shFr
53.75
58.89
63.41
62.25
62.00
65.51
72.97
70.73
69.92
63.93
92.45
0.61%
1.10%
—
8.28
Div yield (avg)%
25.40
25.00
27.82
29.55
30.71
31.79
29.19
29.32
30.42
28.68
18.64
29.32
29.25
54
11.39
Payout ratio%
29.72
32.27
29.39
26.96
25.34
26.45
26.57
28.94
27.08
28.29
29.72
27.08
27.69
11
27.62
Shares (diluted)M
28.97
29.80
28.24
30.74
32.23
34.51
36.75
35.59
32.37
33.28
28.02
0.64%
2.37%
28
3.59
Buyback yield%
29.19
30.87
28.60
29.21
29.14
31.25
29.84
27.70
27.83
28.87
2.20
28.87
29.16
50
0.382
D/E ratiox
1.188
1.177
1.178
1.220
1.225
1.257
1.484
1.610
1.851
1.929
0.537
1.610
1.241
66
5.251
AssetsFr B
7.621
8.388
9.250
9.861
10.71
11.67
12.93
13.68
14.90
16.63
1.570
9.20%
9.06%
6
5.370
LT debtFr B
1.885
1.976
2.297
2.279
2.548
3.031
3.561
3.688
3.753
4.247
4.357
10.76%
8.56%
33
Claims and benefits
7.77%
0.98×