Real-time Estimate
Cboe BZX
10:48:36 2024-05-23 am EDT
|
5-day change
|
1st Jan Change
|
82
USD
|
-4.21%
|
|
-1.81%
|
-32.29%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
11,397
|
9,939
|
9,464
|
11,726
|
11,456
|
7,898
|
-
|
-
|
Enterprise Value (EV)
1 |
13,045
|
11,862
|
11,490
|
13,803
|
13,572
|
10,628
|
11,119
|
11,632
|
P/E ratio
|
15.4
x
|
13.9
x
|
13
x
|
16.1
x
|
12.1
x
|
7.44
x
|
6.69
x
|
6.06
x
|
Yield
|
0.66%
|
0.79%
|
0.84%
|
0.69%
|
0.74%
|
1.11%
|
1.19%
|
1%
|
Capitalization / Revenue
|
2.52
x
|
2.1
x
|
1.85
x
|
2.25
x
|
2.1
x
|
1.36
x
|
1.3
x
|
1.24
x
|
EV / Revenue
|
2.88
x
|
2.5
x
|
2.25
x
|
2.65
x
|
2.49
x
|
1.82
x
|
1.82
x
|
1.82
x
|
EV / EBITDA
|
12.6
x
|
11.9
x
|
11.3
x
|
-
|
-
|
7.13
x
|
7.41
x
|
7.47
x
|
EV / FCF
|
-
|
-
|
-
|
-
|
-
|
23.6
x
|
-
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
-
|
4.23%
|
-
|
-
|
Price to Book
|
1.59
x
|
1.14
x
|
1.09
x
|
2.43
x
|
2.58
x
|
1.41
x
|
1.19
x
|
0.98
x
|
Nbr of stocks (in thousands)
|
108,288
|
104,662
|
100,979
|
97,270
|
94,119
|
92,270
|
-
|
-
|
Reference price
2 |
105.2
|
94.96
|
93.72
|
120.6
|
121.7
|
85.60
|
85.60
|
85.60
|
Announcement Date
|
2/4/20
|
2/2/21
|
2/2/22
|
2/1/23
|
2/7/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
4,528
|
4,738
|
5,113
|
5,215
|
5,448
|
5,826
|
6,096
|
6,377
|
EBITDA
1 |
1,032
|
1,000
|
1,016
|
-
|
-
|
1,491
|
1,501
|
1,556
|
EBIT
1 |
-
|
706.7
|
666.3
|
799.4
|
1,279
|
1,330
|
1,382
|
-
|
Operating Margin
|
-
|
14.92%
|
13.03%
|
15.33%
|
23.47%
|
22.83%
|
22.67%
|
-
|
Earnings before Tax (EBT)
1 |
-
|
-
|
-
|
-
|
1,194
|
1,328
|
1,441
|
1,537
|
Net income
1 |
760.8
|
731.8
|
745
|
739.7
|
970.8
|
1,075
|
1,146
|
1,217
|
Net margin
|
16.8%
|
15.45%
|
14.57%
|
14.18%
|
17.82%
|
18.45%
|
18.81%
|
19.08%
|
EPS
2 |
6.830
|
6.820
|
7.220
|
7.470
|
10.07
|
11.50
|
12.79
|
14.13
|
Free Cash Flow
1 |
-
|
-
|
-
|
-
|
-
|
450
|
-
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
-
|
7.72%
|
-
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
-
|
30.18%
|
-
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
-
|
41.85%
|
-
|
-
|
Dividend per Share
2 |
0.6900
|
0.7500
|
0.7900
|
0.8300
|
0.9000
|
0.9530
|
1.017
|
0.8550
|
Announcement Date
|
2/4/20
|
2/2/21
|
2/2/22
|
2/1/23
|
2/7/24
|
-
|
-
|
-
|
Fiscal Period: December |
2021 Q4
|
2022 Q1
|
2022 Q2
|
2022 Q3
|
2022 Q4
|
2023 Q1
|
2023 Q2
|
2023 Q3
|
2023 Q4
|
2024 Q1
|
2024 Q2
|
2024 Q3
|
2024 Q4
|
2025 Q1
|
2025 Q2
|
---|
Net sales
1 |
1,297
|
1,308
|
1,293
|
1,291
|
1,323
|
1,321
|
1,326
|
1,384
|
1,416
|
1,416
|
1,449
|
1,466
|
1,481
|
1,506
|
1,521
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
159.4
|
159.3
|
206
|
215.8
|
218.4
|
311
|
315.4
|
324.3
|
327.8
|
324.4
|
346.4
|
351.1
|
352.8
|
340.2
|
347.8
|
Operating Margin
|
12.29%
|
12.17%
|
15.93%
|
16.71%
|
16.51%
|
23.54%
|
23.78%
|
23.43%
|
23.16%
|
22.9%
|
23.9%
|
23.95%
|
23.81%
|
22.59%
|
22.87%
|
Earnings before Tax (EBT)
1 |
217.6
|
201.6
|
217
|
230
|
257.7
|
274.2
|
264.5
|
318.8
|
336.7
|
314.9
|
339
|
345.3
|
350.2
|
352.2
|
356.4
|
Net income
1 |
178
|
164.4
|
177
|
186.8
|
211.6
|
223.6
|
215.3
|
257.1
|
274.8
|
254.2
|
270.1
|
273.4
|
277.6
|
281.2
|
289.6
|
Net margin
|
13.72%
|
12.56%
|
13.69%
|
14.46%
|
15.99%
|
16.92%
|
16.23%
|
18.57%
|
19.41%
|
17.95%
|
18.64%
|
18.65%
|
18.74%
|
18.67%
|
19.04%
|
EPS
2 |
1.760
|
1.640
|
1.790
|
1.900
|
2.140
|
2.280
|
2.240
|
2.680
|
2.880
|
2.670
|
2.864
|
2.950
|
3.023
|
3.067
|
3.200
|
Dividend per Share
2 |
0.1975
|
0.2075
|
0.2075
|
0.2075
|
0.2075
|
0.2250
|
0.2250
|
0.2250
|
0.2250
|
-
|
0.2400
|
0.2400
|
0.2400
|
-
|
-
|
Announcement Date
|
2/2/22
|
4/20/22
|
7/27/22
|
10/26/22
|
2/1/23
|
5/3/23
|
7/26/23
|
10/25/23
|
2/7/24
|
4/22/24
|
-
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
1,648
|
1,923
|
2,026
|
2,077
|
2,116
|
2,729
|
3,221
|
3,734
|
Net Cash position
1 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
1.597
x
|
1.922
x
|
1.994
x
|
-
|
-
|
1.83
x
|
2.146
x
|
2.399
x
|
Free Cash Flow
1 |
-
|
-
|
-
|
-
|
-
|
450
|
-
|
-
|
ROE (net income / shareholders' equity)
|
11.6%
|
9.5%
|
8.13%
|
10.9%
|
24.3%
|
21.8%
|
19.2%
|
15.4%
|
ROA (Net income/ Total Assets)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Assets
1 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Book Value Per Share
2 |
66.00
|
83.20
|
86.00
|
49.70
|
47.10
|
60.80
|
71.90
|
87.10
|
Cash Flow per Share
|
-
|
13.80
|
13.90
|
14.40
|
-
|
-
|
-
|
-
|
Capex
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Capex / Sales
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Announcement Date
|
2/4/20
|
2/2/21
|
2/2/22
|
2/1/23
|
2/7/24
|
-
|
-
|
-
|
Last Close Price
85.6
USD Average target price
106.4
USD Spread / Average Target +24.35% Consensus |
1st Jan change
|
Capi.
|
---|
| -32.29% | 7.9B | | +12.66% | 109B | | +19.96% | 106B | | -9.40% | 89.34B | | +23.87% | 80.17B | | +24.60% | 35.66B | | +13.43% | 29.62B | | +15.72% | 29.61B | | +0.99% | 17.17B | | -12.53% | 14.48B |
Life Insurance
|