847.2
Revenue€M
380.0
413.8
448.4
489.5
535.5
585.7
639.1
685.0
742.9
802.7
907.1
8.43%
8.46%
76
12.49
Revenue growth%
9.68
10.58
7.71
6.46
9.12
6.90
6.24
3.70
5.59
7.18
27.17
6.24
7.04
89
13.70
Combined R.%
83.47
83.20
85.25
84.77
85.31
84.08
85.27
84.35
82.25
82.55
22.20
84.08
84.22
66
27.48
Operating margin%
33.95
32.54
29.86
31.34
29.30
27.73
28.04
27.04
28.57
30.77
2.41
28.04
29.58
74
14.57
Net margin%
14.17
12.83
15.48
12.60
14.38
15.49
18.39
20.46
17.80
20.47
8.46
18.39
15.49
72
27.94
P/E ratio (avg)x
23.42
25.32
30.19
32.75
36.26
37.47
44.23
48.64
50.52
50.69
15.33
48.64
36.87
48
31.91
P/TBVx
43.02
38.48
40.67
40.98
40.62
42.05
45.33
44.23
43.79
41.67
10.39
43.79
41.86
18
18.11
P/Bx
31.00
33.82
31.15
29.16
28.55
26.23
24.11
20.98
19.31
19.78
35.78
20.98
27.39
83
19.36
Prem. grth%
9.37
11.57
14.10
16.25
17.79
18.38
17.87
16.81
17.92
17.42
28.40
17.87
17.12
93
7.93
Invest. yld%
3.24
0.63
1.20
1.93
2.99
2.36
0.66
0.40
1.33
1.35
8.75
1.33
1.34
88
27.16
BVPS grth%
23.23
21.97
20.02
17.94
17.71
20.58
23.46
23.99
25.95
24.10
4.36
23.99
22.60
92
25.39
Return on equity%
15.17
13.11
12.81
11.21
13.36
14.59
12.10
14.93
14.87
17.02
16.43
14.87
13.98
48
17.10
Return on assets%
25.05
26.46
26.41
26.70
27.81
30.77
31.26
31.55
33.17
32.57
6.35
31.55
29.29
15
1.10
EPS€
2.75
2.62
2.42
2.48
2.26
2.26
2.15
2.04
2.04
2.03
1.19
(2.11%)
(2.76%)
—
25.05
EPS growth%
14.93
12.15
9.97
11.95
13.56
15.76
13.35
11.77
14.52
13.87
29.68
13.87
13.46
54
0.86
Bookvalue per sh€
2.32
2.31
2.53
2.40
2.59
2.84
2.77
2.98
3.15
3.54
1.97
6.46%
5.39%
—
0.89
TBV/sh€
0.31
0.27
0.27
0.29
0.30
0.27
0.25
0.23
0.22
0.20
1.79
(7.97%)
(5.49%)
—
1.33
Dividend per sh€
1.34
1.31
1.29
1.15
1.15
1.07
1.00
1.09
1.05
0.96
1.66
(3.63%)
(2.97%)
—
3.33
Div yield (avg)%
21.62
23.66
25.85
23.82
22.44
21.02
20.79
21.88
20.78
22.48
16.65
21.02
22.16
16
18.63
Payout ratio%
9.81
7.82
7.13
7.60
5.25
2.95
1.01
0.40
0.40
0.40
26.64
0.40
4.10
94
301.5
Shares (diluted)M
273.9
237.3
257.5
236.9
232.4
218.2
231.9
199.9
186.0
184.2
312.6
(4.55%)
(4.35%)
77
6.42
Buyback yield%
26.83
27.57
29.60
27.64
28.41
30.79
31.28
32.47
33.21
34.48
17.41
32.47
30.19
24
0.985
D/E ratiox
1.543
1.467
1.548
1.695
1.580
1.767
1.634
1.610
1.750
1.661
1.373
1.661
1.622
31
0.046
Assets€B
3.611
3.869
4.205
4.524
4.846
5.193
5.697
6.401
6.953
7.448
0.397
8.98%
8.28%
27
0.419
LT debt€B
0.906
0.927
1.089
1.282
1.366
1.350
1.534
1.767
1.866
2.033
0.645
8.28%
8.62%
92
Revenue
€802.7M
8.46%
1.00×
Claims and benefits
€398.1M
8.21%
0.98×
Total costs
€611.5M
8.23%
0.98×