2.535
Revenue¥B
1.318
1.413
1.528
1.685
1.833
2.027
2.183
2.380
2.636
2.903
2.596
9.63%
9.06%
59
7.40
Revenue growth%
20.83
21.02
22.26
20.55
19.37
19.00
16.74
19.01
18.88
17.16
24.26
18.88
19.19
89
22.81
Combined R.%
82.13
81.58
80.55
82.57
80.63
81.96
81.82
82.67
82.10
81.21
25.43
81.96
81.89
83
14.83
Operating margin%
32.45
33.16
32.20
33.00
34.63
33.17
31.98
29.34
29.13
27.59
3.58
29.34
32.32
34
21.72
Net margin%
4.55
4.40
6.49
6.11
5.28
5.27
2.89
0.51
1.93
0.40
22.95
1.93
4.48
83
17.62
P/E ratio (avg)x
63.65
67.60
73.48
72.06
71.13
80.51
91.16
107.7
108.2
119.7
34.71
107.7
76.99
76
23.11
P/TBVx
27.59
29.12
29.00
28.14
26.78
25.47
25.31
26.97
27.60
28.92
35.79
26.97
27.60
43
29.36
P/Bx
36.78
43.11
49.50
49.50
57.29
63.83
64.18
71.77
85.59
101.9
7.583
71.77
60.56
51
13.31
Prem. grth%
17.77
20.07
20.45
21.09
21.66
22.09
25.04
22.12
21.90
19.36
14.45
22.09
21.38
43
17.45
Invest. yld%
12.90
11.17
12.09
9.89
11.64
13.96
15.12
14.27
14.65
12.13
3.89
14.27
12.51
44
28.77
BVPS grth%
14.77
11.92
12.16
14.86
14.88
12.66
13.87
13.17
13.16
13.97
15.08
13.17
13.52
70
22.15
Return on equity%
2.44
2.31
5.19
4.07
3.85
3.33
2.02
1.03
0.89
2.58
23.39
2.02
2.51
21
19.47
Return on assets%
15.50
14.90
15.75
13.62
12.32
10.17
11.76
12.93
10.68
7.91
8.92
10.68
12.62
30
0.73
EPS¥
0.97
1.08
1.25
1.35
1.53
1.63
1.70
1.99
2.30
2.67
0.78
11.78%
10.74%
—
8.31
EPS growth%
23.48
22.94
22.75
20.85
19.62
16.96
16.07
15.55
15.21
16.05
23.78
16.05
18.29
34
1.20
Bookvalue per sh¥
1.55
1.50
1.54
1.70
1.82
1.72
1.96
2.20
2.32
2.62
0.63
7.53%
5.48%
—
0.38
TBV/sh¥
0.78
0.89
0.87
1.03
1.05
1.23
1.46
1.48
1.68
1.85
1.42
12.01%
9.10%
—
1.14
Dividend per sh¥
0.52
0.56
0.62
0.72
0.76
0.88
1.05
1.04
1.18
1.38
0.90
12.71%
10.95%
—
26.78
Div yield (avg)%
20.56
18.24
20.94
21.40
24.15
21.29
20.09
18.50
19.32
17.01
23.18
19.32
20.32
31
17.42
Payout ratio%
4.49
5.48
6.89
5.42
4.44
5.75
7.40
7.24
6.36
7.38
29.61
7.24
6.05
80
1.674
Shares (diluted)B
1.753
1.566
1.435
1.512
1.588
1.513
1.530
1.634
1.449
1.472
1.711
(1.51%)
(2.02%)
42
12.61
Buyback yield%
25.41
25.99
27.17
26.57
26.41
23.96
26.32
23.40
24.22
24.12
3.67
24.12
25.70
84
0.781
D/E ratiox
0.259
0.252
0.238
0.256
0.277
0.238
0.218
0.217
0.189
0.177
0.179
0.217
0.238
57
1.663
Assets¥B
6.621
7.050
7.965
8.628
9.421
9.897
10.52
10.99
11.89
12.94
0.906
6.55%
7.84%
45
1.589
LT debt¥B
0.868
0.815
0.821
0.870
0.751
0.766
0.721
0.690
0.719
0.768
1.081
0.45%
(0.50%)
34
Revenue
¥2.903B
9.06%
1.00×
Claims and benefits
¥1.426B
8.93%
0.99×
Total costs
¥2.173B
9.04%
1.00×