I have the following data.frame:

```
A <- c(10,
       12,
       14.4,
       17.28,
       20.736)
B <- c(6,
       7.8,
       10.14,
       13.182,
       17.1366)

df <- data.frame(A, B)
df

```

Which looks like this:

```
       A       B
1 10.000  6.0000
2 12.000  7.8000
3 14.400 10.1400
4 17.280 13.1820
5 20.736 17.1366

```

Now, I'd like to have the exact table, but with growth factors:

```
   A   B
1  1   1
2  1.2 1.3
3  1.2 1.3
4  1.2 1.3
5  1.2 1.3

```

So the "lag" should be one position: the next value should be divided by the precedent value.
Is there a function for this?