6.055
Revenue¥B
6.339
6.814
7.437
8.103
8.767
9.462
10.05
11.02
11.68
12.37
6.449
7.14%
7.75%
42
4.95
Revenue growth%
0.40
0.40
0.40
0.40
0.88
0.40
1.91
2.64
1.91
3.62
20.54
1.91
0.64
46
22.63
Combined R.%
87.28
86.79
86.89
87.41
88.33
88.45
88.60
89.41
87.84
89.08
13.40
88.60
88.09
73
25.04
Operating margin%
19.55
16.62
16.02
14.23
15.03
15.83
18.14
16.94
16.69
14.42
24.38
16.69
16.32
56
12.19
Net margin%
9.21
8.99
9.02
7.46
9.76
12.35
13.48
13.93
12.28
15.20
28.45
13.48
11.02
14
20.01
P/E ratio (avg)x
29.90
27.87
27.43
26.90
27.17
27.33
28.08
26.55
24.62
24.36
36.88
26.55
27.25
52
33.08
P/TBVx
40.19
45.79
48.64
47.99
49.66
55.33
61.41
66.24
62.41
65.96
20.74
62.41
52.50
75
10.41
P/Bx
21.74
23.41
25.43
24.47
27.90
26.78
26.38
26.98
30.24
30.44
19.60
26.98
26.58
56
2.03
Prem. grth%
20.99
18.59
16.96
17.20
14.28
13.33
13.89
15.26
16.09
15.90
10.07
15.26
16.00
92
16.98
Invest. yld%
21.59
21.66
22.59
19.88
18.29
15.88
14.17
16.00
13.47
13.65
25.68
14.17
17.14
35
15.76
BVPS grth%
3.94
3.73
2.14
3.24
5.97
6.86
7.17
4.99
7.19
8.66
3.45
7.17
5.48
37
17.09
Return on equity%
23.12
23.63
22.51
25.27
23.27
21.80
23.00
20.21
19.21
18.80
10.84
20.21
22.75
80
21.80
Return on assets%
0.40
3.31
6.02
6.09
6.60
6.47
8.07
8.23
9.17
10.94
6.70
8.23
6.53
46
0.06
EPS¥
0.07
0.07
0.08
0.09
0.09
0.10
0.10
0.09
0.09
0.09
0.07
0.80%
4.29%
—
23.47
EPS growth%
18.56
19.86
18.18
20.95
22.19
23.37
24.53
25.76
25.06
25.45
24.76
25.06
22.78
49
0.08
Bookvalue per sh¥
0.12
0.13
0.14
0.15
0.16
0.15
0.16
0.14
0.15
0.16
0.04
0.23%
3.54%
—
0.03
TBV/sh¥
0.04
0.04
0.04
0.04
0.04
0.04
0.03
0.03
0.04
0.04
0.10
0.18%
(1.56%)
—
0.02
Dividend per sh¥
0.11
0.12
0.11
0.13
0.13
0.11
0.10
0.09
0.09
0.08
0.03
(7.84%)
(2.46%)
—
9.28
Div yield (avg)%
14.57
17.08
16.81
13.86
15.95
16.87
17.35
14.77
15.65
17.42
17.31
16.87
16.38
72
5.69
Payout ratio%
13.12
13.19
12.21
12.87
12.89
14.13
14.99
14.34
17.07
16.67
16.45
14.99
13.66
40
42.94
Shares (diluted)B
38.62
34.89
33.10
33.90
32.94
35.84
30.79
26.82
26.27
25.19
41.56
(5.22%)
(5.08%)
80
26.25
Buyback yield%
6.76
5.95
4.47
2.43
4.16
1.19
0.40
1.30
0.47
1.57
25.44
1.19
2.00
48
1.550
D/E ratiox
1.569
1.623
1.609
1.867
2.022
2.060
2.076
1.921
1.870
1.870
1.231
1.921
1.870
78
13.20
Assets¥B
21.57
23.50
24.74
27.47
28.84
31.78
34.05
36.54
39.63
44.03
8.793
8.83%
8.01%
49
10.69
LT debt¥B
22.59
24.97
25.07
26.59
27.52
31.51
34.88
42.35
42.99
49.82
6.788
12.60%
8.48%
31
Revenue
¥12.37B
7.75%
1.00×
Claims and benefits
¥6.425B
7.74%
1.00×
Total costs
¥10.13B
7.69%
0.99×