181.7
Revenue€M
278.2
278.1
274.7
277.4
284.7
292.3
297.1
295.9
291.2
289.6
200.5
0.34%
0.54%
49
9.40
Revenue growth%
8.96
10.58
10.98
13.13
11.86
8.95
9.11
7.00
8.29
9.45
5.24
8.95
9.28
75
11.20
Combined R.%
85.61
84.76
83.67
86.13
83.81
84.88
85.39
82.70
84.08
84.08
24.33
84.08
84.42
38
19.83
Operating margin%
14.01
16.70
16.73
14.14
13.38
10.47
11.26
9.85
10.50
11.52
15.94
10.50
12.45
89
2.44
Net margin%
26.49
27.20
26.88
26.70
27.50
25.67
26.36
27.18
25.41
27.36
9.38
26.36
26.79
72
18.52
P/E ratio (avg)x
15.94
15.60
15.94
18.28
21.00
24.40
24.05
23.64
23.40
26.95
6.253
24.05
22.20
13
6.113
P/TBVx
17.46
17.91
18.64
18.39
20.39
21.72
24.32
23.24
25.54
23.69
17.56
23.69
21.06
81
22.20
P/Bx
11.12
11.36
13.13
14.87
16.93
16.20
17.63
17.75
20.41
21.88
12.77
17.75
16.57
71
13.24
Prem. grth%
11.52
10.33
7.38
5.01
4.88
6.87
4.64
4.42
3.73
0.76
10.12
4.42
4.94
6
8.88
Invest. yld%
5.10
7.05
4.46
3.70
3.84
3.74
5.18
3.59
3.88
1.53
9.45
3.74
3.86
81
14.76
BVPS grth%
22.91
25.22
25.85
25.31
25.79
24.54
22.05
24.93
26.13
27.64
27.09
24.93
25.26
46
8.81
Return on equity%
9.91
11.65
9.53
7.62
7.38
7.05
8.93
10.41
12.56
14.44
24.70
10.41
9.72
49
19.05
Return on assets%
23.26
20.65
22.39
22.30
24.28
26.68
28.79
30.17
30.87
32.40
11.60
30.17
25.48
19
1.28
EPS€
1.65
1.57
1.72
1.99
2.32
2.72
3.15
3.62
3.43
3.31
1.43
7.32%
8.02%
—
29.81
EPS growth%
24.13
24.72
24.49
24.30
26.18
25.45
23.86
26.63
26.24
28.44
28.87
26.24
25.08
91
1.02
Bookvalue per sh€
0.27
0.28
0.26
0.26
0.29
0.28
0.32
0.35
0.35
0.33
0.86
2.38%
2.23%
—
0.59
TBV/sh€
1.16
1.10
1.16
1.27
1.35
1.34
1.31
1.45
1.36
1.26
0.31
(1.42%)
(0.17%)
—
1.40
Dividend per sh€
1.18
1.34
1.36
1.53
1.57
1.80
2.04
2.00
2.34
2.53
1.33
10.04%
7.57%
—
28.08
Div yield (avg)%
28.99
26.28
27.94
26.66
25.82
25.73
28.39
30.31
32.80
31.65
23.76
30.31
28.16
23
15.05
Payout ratio%
26.18
27.21
27.34
30.03
29.10
27.29
26.40
27.82
27.20
27.81
10.57
27.29
27.31
56
96.24
Shares (diluted)M
99.47
96.82
103.6
98.93
103.1
110.8
115.5
104.6
105.9
113.9
95.65
2.02%
1.62%
14
11.23
Buyback yield%
13.33
11.82
10.90
10.90
11.27
12.38
9.84
11.72
11.00
10.66
10.77
11.00
11.14
73
1.006
D/E ratiox
1.958
2.258
2.555
2.909
3.356
3.923
4.610
5.508
6.214
6.913
1.451
5.508
3.640
86
327.8
Assets€M
63.51
70.47
77.64
82.25
91.70
102.2
107.4
116.1
122.4
132.2
190.2
7.58%
7.84%
9
192.6
LT debt€M
471.3
528.1
558.8
604.3
646.7
724.7
699.3
655.7
690.5
768.9
130.5
3.52%
5.95%
25
Revenue
€289.6M
0.54%
1.00×
Claims and benefits
€145.1M
0.59%
1.01×
Total costs
€223.7M
0.46%
0.99×
Return on capital
114.31%