Market Closed -
Nyse
04:00:02 2024-04-26 pm EDT
|
5-day change
|
1st Jan Change
|
234.1
USD
|
-1.20%
|
|
-1.04%
|
+4.10%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
17,763
|
23,792
|
35,169
|
39,752
|
48,554
|
51,157
|
-
|
-
|
Enterprise Value (EV)
1 |
21,764
|
27,672
|
40,821
|
45,524
|
55,548
|
59,189
|
57,930
|
57,401
|
P/E ratio
|
27.1
x
|
29.5
x
|
38.8
x
|
36.3
x
|
50.9
x
|
31.1
x
|
26.9
x
|
23.3
x
|
Yield
|
1.81%
|
1.46%
|
1.13%
|
1.08%
|
0.98%
|
1.03%
|
1.08%
|
1.15%
|
Capitalization / Revenue
|
2.52
x
|
3.47
x
|
4.35
x
|
4.72
x
|
4.89
x
|
4.43
x
|
4
x
|
3.56
x
|
EV / Revenue
|
3.08
x
|
4.04
x
|
5.05
x
|
5.41
x
|
5.6
x
|
5.12
x
|
4.53
x
|
4
x
|
EV / EBITDA
|
16.2
x
|
16.3
x
|
20.1
x
|
17.8
x
|
18.5
x
|
16.7
x
|
14.4
x
|
12.6
x
|
EV / FCF
|
22.2
x
|
-
|
25.9
x
|
23.4
x
|
30.2
x
|
19.3
x
|
20
x
|
17.6
x
|
FCF Yield
|
4.5%
|
-
|
3.86%
|
4.27%
|
3.31%
|
5.17%
|
4.99%
|
5.67%
|
Price to Book
|
3.44
x
|
3.84
x
|
4.16
x
|
4.37
x
|
4.52
x
|
3.87
x
|
3.23
x
|
3.28
x
|
Nbr of stocks (in thousands)
|
186,523
|
192,322
|
207,278
|
210,840
|
215,911
|
218,516
|
-
|
-
|
Reference price
2 |
95.23
|
123.7
|
169.7
|
188.5
|
224.9
|
234.1
|
234.1
|
234.1
|
Announcement Date
|
1/30/20
|
1/28/21
|
1/27/22
|
1/26/23
|
1/25/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
7,056
|
6,852
|
8,076
|
8,420
|
9,926
|
11,559
|
12,778
|
14,350
|
EBITDA
1 |
1,341
|
1,699
|
2,029
|
2,554
|
3,010
|
3,547
|
4,022
|
4,563
|
EBIT
1 |
-
|
-
|
1,523
|
2,002
|
2,313
|
3,389
|
3,826
|
4,292
|
Operating Margin
|
-
|
-
|
18.85%
|
23.77%
|
23.3%
|
29.32%
|
29.94%
|
29.91%
|
Earnings before Tax (EBT)
1 |
626.1
|
870.9
|
975.1
|
1,327
|
1,185
|
2,153
|
2,396
|
2,591
|
Net income
1 |
668.8
|
818.8
|
906.8
|
1,114
|
969.5
|
1,688
|
1,915
|
2,208
|
Net margin
|
9.48%
|
11.95%
|
11.23%
|
13.23%
|
9.77%
|
14.6%
|
14.98%
|
15.38%
|
EPS
2 |
3.520
|
4.200
|
4.370
|
5.190
|
4.420
|
7.525
|
8.709
|
10.05
|
Free Cash Flow
1 |
980.4
|
-
|
1,576
|
1,943
|
1,838
|
3,062
|
2,893
|
3,256
|
FCF margin
|
13.89%
|
-
|
19.51%
|
23.07%
|
18.52%
|
26.49%
|
22.64%
|
22.69%
|
FCF Conversion (EBITDA)
|
73.1%
|
-
|
77.65%
|
76.06%
|
61.08%
|
86.33%
|
71.93%
|
71.35%
|
FCF Conversion (Net income)
|
146.59%
|
-
|
173.74%
|
174.36%
|
189.59%
|
181.43%
|
151.11%
|
147.48%
|
Dividend per Share
2 |
1.720
|
1.800
|
1.920
|
2.040
|
2.200
|
2.400
|
2.537
|
2.702
|
Announcement Date
|
1/30/20
|
1/28/21
|
1/27/22
|
1/26/23
|
1/25/24
|
-
|
-
|
-
|
Fiscal Period: December |
2021 Q3
|
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
|
---|
Net sales
1 |
2,106
|
1,941
|
2,404
|
2,008
|
2,012
|
1,995
|
2,673
|
2,407
|
2,454
|
2,393
|
3,218
|
2,778
|
2,844
|
2,715
|
3,576
|
EBITDA
1 |
500.2
|
436.1
|
856.5
|
579.8
|
589.7
|
528.1
|
958.3
|
675.7
|
706.5
|
669
|
1,146
|
808.1
|
827.8
|
764.7
|
1,288
|
EBIT
1 |
-
|
-
|
696.7
|
439.5
|
444.2
|
385.3
|
798.9
|
500
|
546.4
|
479.3
|
999.3
|
752.6
|
793.7
|
740.9
|
1,249
|
Operating Margin
|
-
|
-
|
28.97%
|
21.88%
|
22.08%
|
19.31%
|
29.89%
|
20.77%
|
22.27%
|
20.03%
|
31.05%
|
27.09%
|
27.91%
|
27.28%
|
34.91%
|
Earnings before Tax (EBT)
1 |
231.4
|
113
|
537.7
|
352.3
|
315
|
122
|
605.8
|
297.4
|
364.1
|
-82.2
|
772.7
|
405.9
|
438.6
|
375.9
|
-
|
Net income
1 |
225.1
|
109.4
|
438.7
|
284.2
|
255.8
|
135.5
|
486.5
|
234.5
|
280.7
|
-32.2
|
608.4
|
360.1
|
381.9
|
335.7
|
694.7
|
Net margin
|
10.69%
|
5.64%
|
18.24%
|
14.15%
|
12.71%
|
6.79%
|
18.2%
|
9.74%
|
11.44%
|
-1.35%
|
18.91%
|
12.96%
|
13.43%
|
12.36%
|
19.42%
|
EPS
2 |
1.060
|
0.5100
|
2.050
|
1.330
|
1.190
|
0.6300
|
2.240
|
1.070
|
1.280
|
-0.1500
|
2.740
|
1.630
|
1.700
|
1.455
|
3.102
|
Dividend per Share
2 |
0.4800
|
0.4800
|
0.5100
|
0.5100
|
0.5100
|
0.5100
|
0.5500
|
0.5500
|
0.5500
|
0.5500
|
0.5860
|
0.6000
|
0.6000
|
0.6000
|
0.6233
|
Announcement Date
|
10/28/21
|
1/27/22
|
4/28/22
|
7/28/22
|
10/27/22
|
1/26/23
|
4/27/23
|
7/27/23
|
10/26/23
|
1/25/24
|
4/25/24
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
4,002
|
3,880
|
5,653
|
5,772
|
6,994
|
8,032
|
6,773
|
6,244
|
Net Cash position
1 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
2.984
x
|
2.284
x
|
2.786
x
|
2.26
x
|
2.324
x
|
2.265
x
|
1.684
x
|
1.368
x
|
Free Cash Flow
1 |
980
|
-
|
1,576
|
1,943
|
1,838
|
3,062
|
2,893
|
3,256
|
ROE (net income / shareholders' equity)
|
14.4%
|
14.3%
|
15.5%
|
18.8%
|
19.3%
|
20%
|
20%
|
21.7%
|
ROA (Net income/ Total Assets)
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Assets
1 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Book Value Per Share
2 |
27.70
|
32.20
|
40.80
|
43.10
|
49.70
|
60.40
|
72.40
|
71.30
|
Cash Flow per Share
2 |
-
|
8.990
|
8.220
|
9.900
|
9.260
|
10.50
|
13.20
|
-
|
Capex
1 |
139
|
-
|
129
|
183
|
194
|
162
|
189
|
199
|
Capex / Sales
|
1.97%
|
-
|
1.59%
|
2.17%
|
1.95%
|
1.4%
|
1.48%
|
1.39%
|
Announcement Date
|
1/30/20
|
1/28/21
|
1/27/22
|
1/26/23
|
1/25/24
|
-
|
-
|
-
|
Last Close Price
234.1
USD Average target price
262.9
USD Spread / Average Target +12.29% Consensus |
1st Jan change
|
Capi.
|
---|
| +4.10% | 51.16B | | +4.04% | 25.66B | | +14.55% | 23.24B | | +26.59% | 9.56B | | +13.76% | 5.81B | | -4.12% | 4.02B | | +1.30% | 1.99B | | +11.16% | 1.76B | | -26.78% | 1.4B | | +14.35% | 1.27B |
Insurance Brokers
|