268.3
Revenue€M
301.9
310.0
320.3
326.4
337.2
343.3
352.2
361.8
380.7
400.5
290.6
3.50%
3.16%
14
20.92
Revenue growth%
9.77
7.50
10.34
11.81
13.28
14.06
12.78
12.61
15.22
13.47
25.46
13.47
12.69
17
3.43
Combined R.%
87.26
85.92
86.52
86.75
85.90
85.36
85.69
87.37
84.71
83.77
9.54
85.36
85.91
17
22.58
Operating margin%
11.25
13.50
15.59
14.68
14.05
13.58
11.95
9.22
11.17
8.21
25.75
11.17
12.73
47
25.96
Net margin%
16.88
16.18
15.64
13.05
10.38
12.21
10.89
11.81
10.57
9.28
22.10
10.89
12.01
66
35.16
P/E ratio (avg)x
14.31
14.63
16.20
16.34
18.69
20.60
21.59
21.20
22.11
22.14
26.42
21.59
19.64
15
26.64
P/TBVx
21.76
23.81
24.97
27.28
28.68
29.17
31.13
29.33
27.02
30.98
22.79
29.33
27.98
21
10.99
P/Bx
9.426
8.517
8.905
9.115
8.406
8.165
7.308
7.946
8.308
8.825
9.070
8.165
8.461
40
22.68
Prem. grth%
6.55
8.61
10.56
8.20
6.10
7.94
8.51
8.92
7.65
10.05
6.55
8.51
8.36
46
11.40
Invest. yld%
20.70
18.17
20.85
19.10
18.75
19.08
17.98
20.81
20.25
22.29
28.26
20.25
19.67
29
18.10
BVPS grth%
0.40
0.40
2.16
4.87
5.70
5.37
6.35
5.05
3.67
1.13
13.68
5.05
4.27
42
23.93
Return on equity%
11.12
9.50
8.77
9.69
7.62
8.71
9.27
7.59
7.48
6.61
7.24
7.59
8.74
22
26.09
Return on assets%
23.95
24.97
27.09
24.37
25.96
28.16
29.73
28.27
26.65
28.40
25.99
28.27
26.87
60
21.33
EPS€
25.62
26.31
30.53
35.37
35.58
35.99
37.99
36.70
37.41
41.44
21.84
3.09%
5.64%
—
18.37
EPS growth%
10.94
13.01
11.32
9.69
6.74
6.81
7.94
5.22
3.42
4.41
12.16
5.22
7.37
20
19.50
Bookvalue per sh€
34.17
34.27
38.00
41.13
40.51
47.02
53.25
55.98
58.85
63.30
25.88
9.34%
6.97%
—
16.38
TBV/sh€
15.39
14.55
16.63
15.36
14.04
14.32
13.62
13.06
14.28
13.05
4.73
(1.45%)
(2.39%)
—
12.07
Dividend per sh€
19.01
18.49
22.00
21.77
22.94
22.04
23.47
23.26
22.82
22.31
19.82
(0.55%)
3.06%
—
29.53
Div yield (avg)%
9.67
11.90
14.59
12.16
10.29
10.21
7.33
10.11
7.66
8.06
27.16
8.06
10.16
61
21.87
Payout ratio%
11.77
13.95
12.43
15.11
15.83
14.50
15.59
14.86
17.48
20.39
27.65
15.59
14.99
54
11.33
Shares (diluted)M
18.15
17.92
20.71
21.02
20.98
23.89
26.51
31.20
31.26
35.07
11.81
10.82%
8.58%
30
14.29
Buyback yield%
17.58
16.72
19.49
20.31
23.20
20.80
22.21
22.96
24.79
23.48
5.46
22.96
21.51
31
1.320
D/E ratiox
0.617
0.600
0.651
0.581
0.589
0.588
0.600
0.608
0.602
0.652
0.168
0.602
0.601
91
0.247
Assets€B
1.323
1.445
1.623
1.782
1.934
2.101
2.328
2.469
2.797
2.999
0.474
9.17%
9.44%
38
0.188
LT debt€B
0.517
0.559
0.587
0.602
0.695
0.703
0.726
0.875
1.025
1.000
0.446
7.55%
6.96%
7
Revenue
€400.5M
3.16%
1.00×
Claims and benefits
€205.6M
2.90%
0.98×
Total costs
€311.1M
2.98%
0.98×