Real-time Estimate
Cboe BZX
01:57:46 2024-05-08 pm EDT
|
5-day change
|
1st Jan Change
|
78.76
USD
|
+0.26%
|
|
+1.20%
|
+11.30%
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Capitalization
1 |
12,692
|
11,837
|
14,553
|
19,266
|
18,237
|
20,082
|
-
|
-
|
Enterprise Value (EV)
1 |
12,692
|
11,837
|
14,553
|
19,266
|
18,701
|
21,605
|
21,584
|
20,082
|
P/E ratio
|
19.6
x
|
23.6
x
|
15
x
|
14.7
x
|
14
x
|
12.7
x
|
11.8
x
|
11
x
|
Yield
|
0.62%
|
0.71%
|
2.44%
|
1.23%
|
2.73%
|
2.13%
|
2.45%
|
2.24%
|
Capitalization / Revenue
|
1.91
x
|
1.71
x
|
1.8
x
|
2.01
x
|
1.75
x
|
1.76
x
|
1.63
x
|
1.61
x
|
EV / Revenue
|
1.91
x
|
1.71
x
|
1.8
x
|
2.01
x
|
1.8
x
|
1.89
x
|
1.76
x
|
1.61
x
|
EV / EBITDA
|
-
|
-
|
-
|
-
|
10
x
|
9.97
x
|
9.94
x
|
-
|
EV / FCF
|
-
|
-
|
-
|
-
|
6.5
x
|
8.49
x
|
9.42
x
|
-
|
FCF Yield
|
-
|
-
|
-
|
-
|
15.4%
|
11.8%
|
10.6%
|
-
|
Price to Book
|
2.09
x
|
1.87
x
|
2.19
x
|
2.84
x
|
2.43
x
|
2.34
x
|
2.02
x
|
1.87
x
|
Nbr of stocks (in thousands)
|
275,512
|
267,331
|
264,961
|
265,476
|
257,872
|
255,662
|
-
|
-
|
Reference price
2 |
46.07
|
44.28
|
54.93
|
72.57
|
70.72
|
78.55
|
78.55
|
78.55
|
Announcement Date
|
1/28/20
|
1/26/21
|
1/27/22
|
1/26/23
|
1/24/24
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net sales
1 |
6,633
|
6,931
|
8,106
|
9,561
|
10,401
|
11,423
|
12,297
|
12,492
|
EBITDA
1 |
-
|
-
|
-
|
-
|
1,861
|
2,168
|
2,172
|
-
|
EBIT
1 |
1,006
|
852.7
|
1,430
|
1,850
|
1,882
|
2,090
|
2,177
|
2,189
|
Operating Margin
|
15.17%
|
12.3%
|
17.64%
|
19.35%
|
18.09%
|
18.29%
|
17.7%
|
17.52%
|
Earnings before Tax (EBT)
1 |
852.9
|
704.8
|
1,283
|
1,720
|
1,754
|
2,125
|
2,262
|
2,391
|
Net income
1 |
681.9
|
530.7
|
1,022
|
1,381
|
1,381
|
1,665
|
1,781
|
1,933
|
Net margin
|
10.28%
|
7.66%
|
12.61%
|
14.44%
|
13.28%
|
14.58%
|
14.49%
|
15.47%
|
EPS
2 |
2.347
|
1.873
|
3.653
|
4.940
|
5.050
|
6.170
|
6.659
|
7.166
|
Free Cash Flow
1 |
-
|
-
|
-
|
-
|
2,876
|
2,543
|
2,291
|
-
|
FCF margin
|
-
|
-
|
-
|
-
|
27.65%
|
22.27%
|
18.63%
|
-
|
FCF Conversion (EBITDA)
|
-
|
-
|
-
|
-
|
154.55%
|
117.32%
|
105.5%
|
-
|
FCF Conversion (Net income)
|
-
|
-
|
-
|
-
|
208.21%
|
152.76%
|
128.63%
|
-
|
Dividend per Share
2 |
0.2867
|
0.3133
|
1.340
|
0.8900
|
1.930
|
1.673
|
1.922
|
1.757
|
Announcement Date
|
1/28/20
|
1/26/21
|
1/27/22
|
1/26/23
|
1/24/24
|
-
|
-
|
-
|
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 |
2,203
|
2,249
|
2,357
|
2,442
|
2,513
|
2,491
|
2,553
|
2,642
|
2,715
|
2,764
|
2,842
|
2,909
|
2,969
|
3,024
|
3,079
|
EBITDA
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
EBIT
1 |
392
|
767.4
|
425.8
|
385.5
|
510.3
|
407.9
|
489
|
494.3
|
533.1
|
605.8
|
541.7
|
539.8
|
554.2
|
579.7
|
587.9
|
Operating Margin
|
17.79%
|
34.12%
|
18.07%
|
15.78%
|
20.31%
|
16.37%
|
19.16%
|
18.71%
|
19.64%
|
21.91%
|
19.06%
|
18.56%
|
18.67%
|
19.17%
|
19.1%
|
Earnings before Tax (EBT)
1 |
354.6
|
732.4
|
222.6
|
286.3
|
478.4
|
376.1
|
457.2
|
419.9
|
501.2
|
574.1
|
521.5
|
514
|
555
|
571.2
|
557.9
|
Net income
1 |
294.4
|
590.6
|
179.3
|
228.9
|
382.2
|
294.1
|
356.3
|
333.6
|
397.3
|
442.5
|
405.7
|
398.1
|
435.6
|
444.4
|
438.5
|
Net margin
|
13.36%
|
26.26%
|
7.61%
|
9.37%
|
15.21%
|
11.81%
|
13.96%
|
12.63%
|
14.64%
|
16.01%
|
14.27%
|
13.68%
|
14.67%
|
14.7%
|
14.24%
|
EPS
2 |
1.060
|
2.120
|
0.6400
|
0.8200
|
1.370
|
1.060
|
1.300
|
1.230
|
1.470
|
1.640
|
1.494
|
1.475
|
1.604
|
1.654
|
1.624
|
Dividend per Share
2 |
0.4200
|
0.0900
|
0.6000
|
0.1000
|
0.1000
|
0.1000
|
0.1100
|
-
|
0.6100
|
0.1100
|
0.5550
|
0.1100
|
0.8100
|
0.1200
|
0.5700
|
Announcement Date
|
1/27/22
|
4/25/22
|
7/21/22
|
10/24/22
|
1/26/23
|
4/20/23
|
7/20/23
|
10/23/23
|
1/24/24
|
4/23/24
|
-
|
-
|
-
|
-
|
-
|
Fiscal Period: December |
2019
|
2020
|
2021
|
2022
|
2023
|
2024
|
2025
|
2026
|
---|
Net Debt
1 |
-
|
-
|
-
|
-
|
465
|
1,523
|
1,502
|
-
|
Net Cash position
1 |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
Leverage (Debt/EBITDA)
|
-
|
-
|
-
|
-
|
0.2497
x
|
0.7025
x
|
0.6916
x
|
-
|
Free Cash Flow
1 |
-
|
-
|
-
|
-
|
2,876
|
2,543
|
2,291
|
-
|
ROE (net income / shareholders' equity)
|
12.5%
|
8.7%
|
16.2%
|
20.8%
|
20.5%
|
20.2%
|
18.9%
|
18.4%
|
ROA (Net income/ Total Assets)
|
2.65%
|
1.92%
|
3.37%
|
4.19%
|
3.89%
|
4.1%
|
4.05%
|
4.1%
|
Assets
1 |
25,770
|
27,639
|
30,347
|
32,973
|
35,532
|
40,609
|
43,983
|
47,141
|
Book Value Per Share
2 |
22.10
|
23.70
|
25.10
|
25.50
|
29.10
|
33.60
|
38.90
|
42.10
|
Cash Flow per Share
2 |
-
|
5.710
|
7.810
|
9.190
|
10.70
|
9.890
|
9.080
|
-
|
Capex
1 |
-
|
38.2
|
-
|
52.7
|
53.1
|
107
|
112
|
-
|
Capex / Sales
|
-
|
0.55%
|
-
|
0.55%
|
0.51%
|
0.93%
|
0.91%
|
-
|
Announcement Date
|
1/28/20
|
1/26/21
|
1/27/22
|
1/26/23
|
1/24/24
|
-
|
-
|
-
|
Last Close Price
78.55
USD Average target price
87.04
USD Spread / Average Target +10.81% Consensus |
1st Jan change
|
Capi.
|
---|
| +11.07% | 20.08B | | +39.98% | 64.22B | | +18.49% | 53.28B | | +13.90% | 49.68B | | +20.15% | 44.39B | | +32.23% | 36.71B | | +12.60% | 29.9B | | +49.84% | 29.09B | | +27.79% | 26.03B | | +21.06% | 21.2B |
Other Property & Casualty Insurance
|