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| 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 14,687 | 12,840 | 14,564 | 15,216 | 15,775 | 17,084 | 18,171 | 19,391 | 20,854 | 23,441 | 26,839 | 31,979 | 39,022 | 42,658 | 47,702 | 49,587 | 62,083 | 75,343 | 87,637 |
| Net income | 1,183 | -70 | 1,058 | 1,068 | 1,016 | 902 | 1,165 | 1,281 | 1,268 | 1,031 | 1,592 | 2,615 | 3,970 | 5,705 | 3,351 | 722 | 3,903 | 8,480 | 11,308 |
| Gross margin | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net margin | 8.1% | -0.5% | 7.3% | 7.0% | 6.4% | 5.3% | 6.4% | 6.6% | 6.1% | 4.4% | 5.9% | 8.2% | 10.2% | 13.4% | 7.0% | 1.5% | 6.3% | 11.3% | 12.9% |
| EPS | 1.65 | -0.1 | 1.57 | 1.61 | 1.59 | 1.48 | 1.93 | 2.15 | 2.15 | 1.76 | 2.72 | 4.42 | 6.72 | 9.66 | 5.66 | 1.18 | 6.58 | 14.4 | 19.23 |
| Free cash flow | 1,655 | 1,451 | 1,420 | 1,615 | 1,419 | 1,564 | 1,760 | 1,618 | 2,162 | 2,518 | 3,601 | 6,019 | 5,898 | 6,682 | 7,518 | 6,557 | 10,391 | 14,834 | 17,200 |
| Net debt | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -43,329 | -55,364 | -69,197 | -12,939 |
| P/E | 11.6 | — | 11.5 | 12.3 | 12.3 | 14.3 | 14.1 | 12.6 | 14.8 | 20.2 | 20.7 | 13.6 | 10.8 | 10.2 | 18.1 | 109.9 | 24.2 | 16.6 | 11.8 |
A what-if tool for a 5–10 year investor, not an answer: change the assumptions and see what they do.
DCF on free cash flow does not apply to banks and insurers: debt and loans are their raw material. Look at P/B, ROE and loan quality.