9.815
Revenue¥B
7.662
7.557
7.671
7.769
7.913
8.134
8.273
8.208
8.190
8.439
10.84
1.29%
1.24%
18
15.92
Revenue growth%
31.31
31.71
31.30
31.64
34.30
32.89
35.24
36.13
37.92
34.97
28.41
35.24
33.60
17
27.81
Combined R.%
94.16
92.87
91.31
93.20
92.03
94.93
93.56
92.55
93.54
93.80
22.54
93.56
93.37
46
26.62
Operating margin%
27.59
25.67
26.23
24.53
25.15
26.15
28.91
30.25
28.89
27.26
17.25
28.89
26.75
57
10.93
Net margin%
22.98
20.87
22.73
24.73
22.76
24.48
26.81
27.14
26.50
25.47
6.37
26.50
24.60
38
13.14
P/E ratio (avg)x
36.99
36.03
34.50
32.96
35.34
36.71
38.20
36.65
35.40
38.79
25.80
36.71
36.34
42
8.113
P/TBVx
9.250
8.285
7.649
6.714
6.721
6.318
6.621
6.229
6.309
6.417
27.42
6.318
6.667
37
34.97
P/Bx
19.40
19.58
20.56
19.83
23.19
25.30
29.72
31.35
31.12
31.84
13.96
31.12
24.24
86
5.46
Prem. grth%
13.46
16.43
13.77
15.41
18.33
19.29
19.79
18.28
16.14
15.81
22.49
18.28
16.29
90
12.41
Invest. yld%
20.76
20.35
17.44
17.90
16.71
19.51
18.63
21.50
22.21
21.28
19.24
21.28
19.93
49
29.89
BVPS grth%
23.50
23.95
26.37
23.85
25.86
23.91
21.04
22.99
22.24
24.77
18.97
22.99
23.88
56
14.06
Return on equity%
5.91
8.15
10.34
9.93
9.75
12.20
12.21
14.63
17.50
19.62
2.64
14.63
11.27
66
19.20
Return on assets%
18.92
21.45
21.85
18.98
17.02
15.18
16.13
18.47
18.72
19.66
28.01
18.47
18.82
35
0.33
EPS¥
0.59
0.67
0.74
0.84
0.92
1.10
1.20
1.43
1.61
1.85
0.36
15.12%
12.20%
—
9.56
EPS growth%
23.69
23.74
23.97
21.74
22.46
19.92
19.88
19.00
17.95
19.80
11.64
19.80
20.83
15
0.16
Bookvalue per sh¥
0.24
0.26
0.27
0.31
0.29
0.33
0.38
0.44
0.42
0.39
0.14
5.97%
5.89%
—
0.42
TBV/sh¥
0.50
0.47
0.46
0.45
0.52
0.59
0.70
0.76
0.76
0.86
0.30
10.66%
7.24%
—
0.41
Dividend per sh¥
0.65
0.63
0.70
0.74
0.74
0.78
0.79
0.81
0.88
1.02
0.37
6.46%
6.19%
—
17.94
Div yield (avg)%
19.51
21.93
19.28
20.51
18.22
20.71
20.26
22.78
20.11
22.77
23.62
20.71
20.38
55
21.98
Payout ratio%
14.72
12.57
11.21
10.84
10.15
10.70
11.25
13.42
11.35
8.88
28.00
11.25
11.23
39
11.55
Shares (diluted)B
10.99
10.93
10.43
10.14
9.447
10.42
11.69
12.00
12.29
12.00
11.69
4.91%
1.86%
50
28.69
Buyback yield%
20.80
20.13
22.79
24.19
22.27
23.54
20.70
22.38
22.32
23.05
16.48
22.38
22.35
70
0.157
D/E ratiox
2.346
2.364
2.322
2.688
2.590
2.653
2.843
2.943
2.789
2.729
0.625
2.789
2.670
93
4.015
Assets¥B
28.15
31.51
33.99
37.39
39.78
41.05
43.96
45.57
50.06
56.36
8.036
7.22%
7.48%
25
7.066
LT debt¥B
0.823
0.816
0.724
0.715
0.703
0.767
0.835
0.879
0.846
0.790
4.105
2.37%
0.36%
36
Revenue
¥8.439B
1.24%
1.00×
Claims and benefits
¥5.103B
1.15%
0.99×
Total costs
¥7.192B
1.46%
1.02×