2.568
RevenueNT$B
2.696
2.950
3.130
3.306
3.538
3.780
4.014
4.377
4.623
4.889
2.784
6.68%
6.88%
30
18.07
Revenue growth%
33.09
30.66
31.67
31.86
32.50
31.08
33.10
30.82
31.85
34.53
5.46
31.85
31.86
81
11.41
Combined R.%
84.51
85.19
84.43
85.27
83.26
83.65
82.80
84.88
82.80
83.61
26.16
83.61
84.04
82
28.80
Operating margin%
5.39
6.79
6.55
6.13
5.06
4.98
6.07
4.18
6.60
3.60
7.37
4.98
5.73
65
10.20
Net margin%
33.44
30.45
30.57
28.11
27.73
29.95
28.82
29.72
28.45
25.49
25.77
28.82
29.27
15
35.65
P/E ratio (avg)x
18.81
18.28
15.91
14.12
12.70
11.88
11.34
10.66
10.80
10.58
20.44
10.80
12.29
41
27.87
P/TBVx
25.59
26.04
26.12
26.20
27.95
28.03
25.13
21.94
23.19
24.80
9.540
24.80
25.82
71
12.24
P/Bx
54.15
54.37
52.59
50.90
54.00
63.21
69.03
81.98
97.20
110.0
34.94
81.98
58.79
14
13.77
Prem. grth%
13.98
16.15
13.42
12.49
13.80
12.82
12.64
11.73
9.36
11.01
3.06
11.73
12.73
89
5.83
Invest. yld%
21.88
24.31
24.69
24.09
23.43
24.87
27.58
30.33
31.95
31.86
14.17
30.33
24.78
81
7.75
BVPS grth%
27.09
24.67
23.88
21.99
20.93
17.98
20.47
19.30
21.87
20.58
5.09
20.47
21.40
68
9.68
Return on equity%
18.30
18.20
17.94
17.51
16.76
16.18
13.21
12.79
12.86
14.07
15.78
13.21
16.47
72
27.61
Return on assets%
7.77
8.37
7.75
8.99
7.68
8.63
5.95
7.80
8.93
7.92
13.40
7.92
7.86
17
0.93
EPSNT$
2.14
2.33
2.38
2.48
2.87
3.34
3.36
3.91
4.12
4.07
1.02
7.23%
6.55%
—
19.00
EPS growth%
4.28
3.79
1.60
2.59
2.75
1.45
0.40
0.40
0.40
0.40
15.82
0.40
1.53
36
2.23
Bookvalue per shNT$
2.90
3.02
3.50
3.56
3.50
3.83
4.23
3.96
3.76
4.37
2.48
4.53%
5.30%
—
1.46
TBV/shNT$
2.67
3.04
2.79
3.19
3.13
3.32
3.24
3.01
2.80
2.73
2.00
(2.72%)
(0.43%)
—
2.40
Dividend per shNT$
1.29
1.34
1.49
1.52
1.54
1.47
1.37
1.24
1.41
1.43
1.26
(1.48%)
1.57%
—
14.98
Div yield (avg)%
12.86
15.83
16.76
16.48
16.15
16.98
16.00
16.75
17.65
18.91
21.65
16.98
16.62
31
22.99
Payout ratio%
14.46
12.31
15.12
16.97
19.28
19.19
20.59
19.06
16.26
17.23
26.37
19.06
17.10
37
1.054
Shares (diluted)B
1.310
1.544
1.676
1.779
2.081
2.283
2.291
2.538
2.476
2.572
1.081
4.33%
6.52%
74
26.73
Buyback yield%
26.33
26.99
28.25
29.02
28.83
29.87
30.37
31.37
30.61
29.57
4.93
30.37
29.30
48
1.688
D/E ratiox
1.423
1.656
1.953
1.979
2.287
2.233
2.167
2.193
2.424
2.426
0.615
2.233
2.180
93
3.341
AssetsNT$B
6.951
7.571
8.467
9.198
9.932
10.79
11.27
12.46
13.21
14.65
1.671
8.09%
8.73%
89
4.194
LT debtNT$B
0.248
0.233
0.241
0.277
0.276
0.297
0.312
0.320
0.367
0.401
1.567
7.71%
4.73%
22
Claims and benefits
7.27%
1.04×
Spread over hurdle
14.07%