1.201
Revenue€B
4.979
5.095
5.034
5.147
5.075
5.134
5.194
5.071
4.980
5.023
1.238
(0.20%)
(0.04%)
83
6.60
Revenue growth%
4.00
1.82
0.40
0.40
1.75
2.67
4.78
5.77
3.82
5.56
5.31
4.78
3.24
13
4.17
Combined R.%
90.16
91.40
90.73
90.68
89.71
92.18
88.58
89.98
90.32
89.85
5.80
89.98
90.24
7
16.86
Operating margin%
25.49
26.82
29.54
26.67
24.62
25.30
22.56
19.93
21.01
20.25
18.41
21.01
24.96
48
12.65
Net margin%
0.40
1.64
0.40
0.40
3.23
3.80
3.45
4.46
2.47
2.09
19.75
3.45
2.28
43
28.86
P/E ratio (avg)x
14.46
17.41
20.06
22.71
22.89
26.98
30.20
33.18
33.21
35.30
18.51
33.18
24.93
34
13.95
P/TBVx
54.13
58.66
69.28
73.09
84.73
90.59
103.8
104.7
100.9
109.1
7.248
103.8
87.66
85
16.04
P/Bx
28.88
30.14
28.39
26.51
28.39
26.03
27.69
24.23
22.86
19.84
17.31
24.23
27.10
23
15.28
Prem. grth%
31.27
34.21
32.93
32.69
34.17
35.38
33.81
32.32
35.14
32.43
11.57
33.81
33.37
44
21.00
Invest. yld%
11.10
8.99
6.88
9.81
7.13
8.84
8.63
11.04
9.55
6.63
10.67
8.84
8.91
60
7.99
BVPS grth%
21.97
22.14
24.32
22.28
22.84
20.90
20.57
19.24
17.64
19.65
16.64
19.65
21.43
90
10.81
Return on equity%
28.65
28.43
25.92
24.04
21.23
23.58
20.83
19.19
18.75
21.15
28.27
20.83
22.40
69
3.48
Return on assets%
25.61
26.49
24.96
24.50
22.34
25.17
25.84
28.02
30.73
32.06
8.35
28.02
25.73
11
3.58
EPS€
10.09
9.34
10.26
10.73
9.91
9.33
10.49
10.07
11.21
12.65
3.87
5.01%
1.60%
—
18.26
EPS growth%
0.40
0.40
0.40
0.40
2.57
5.08
5.16
6.74
6.74
9.34
19.06
6.74
3.82
43
10.24
Bookvalue per sh€
7.92
7.25
8.01
8.28
8.54
8.39
7.80
8.34
7.85
8.51
9.03
(0.08%)
0.98%
—
5.68
TBV/sh€
3.69
3.38
3.33
3.36
3.55
3.07
2.75
2.46
2.35
2.19
4.88
(9.25%)
(5.19%)
—
5.99
Dividend per sh€
12.02
12.80
14.64
16.70
18.43
22.12
23.67
25.64
30.83
34.71
7.10
13.50%
11.41%
—
12.07
Div yield (avg)%
15.06
15.98
18.47
17.37
19.47
19.97
17.08
15.77
14.43
16.76
9.66
16.76
16.92
9
29.61
Payout ratio%
12.33
13.89
13.24
12.25
14.37
12.11
10.32
13.16
10.44
8.34
17.02
10.44
12.29
49
124.4
Shares (diluted)M
123.5
108.1
117.4
115.8
125.5
135.2
133.5
125.2
138.0
147.0
131.7
3.21%
1.44%
48
21.26
Buyback yield%
25.73
26.03
28.60
28.19
26.42
24.60
23.13
21.65
20.68
19.15
11.58
21.65
25.17
15
1.077
D/E ratiox
0.343
0.352
0.342
0.324
0.332
0.374
0.407
0.439
0.475
0.528
0.528
0.439
0.363
79
0.768
Assets€B
8.534
9.344
10.60
11.14
12.08
12.87
13.50
14.08
14.83
16.36
0.983
6.26%
7.72%
63
3.640
LT debt€B
2.674
2.405
2.377
2.486
2.319
2.392
2.573
2.234
2.194
1.873
2.447
(4.18%)
(4.12%)
89
Revenue
€5.023B
(0.04%)
1.00×
Claims and benefits
€2.898B
0.18%
1.02×
Total costs
€4.102B
0.09%
1.01×