2.810
Revenue฿B
2.971
3.058
3.075
3.076
3.132
3.230
3.302
3.294
3.313
3.324
2.905
1.20%
1.40%
9
13.47
Revenue growth%
11.72
11.74
12.91
12.23
12.13
14.87
17.00
14.51
17.26
16.21
21.59
16.21
13.71
20
14.41
Combined R.%
87.87
86.59
85.45
85.34
85.40
84.51
86.39
85.59
84.60
87.21
21.36
85.59
85.52
26
7.59
Operating margin%
25.19
26.41
28.06
25.26
25.64
28.49
29.93
29.20
27.77
28.11
28.79
28.49
27.91
83
10.66
Net margin%
19.73
17.44
17.73
15.52
17.25
17.79
18.10
15.96
18.37
20.88
26.21
18.10
17.76
88
9.838
P/E ratio (avg)x
26.35
23.71
26.46
28.25
25.92
26.47
27.25
25.54
28.52
27.73
24.00
27.25
26.46
81
7.438
P/TBVx
23.47
22.99
21.64
19.04
18.89
16.62
17.21
17.99
17.45
18.44
15.76
17.45
18.66
93
34.00
P/Bx
17.19
19.13
19.55
20.72
24.17
24.55
24.39
29.21
34.91
41.28
14.36
29.21
24.28
74
25.36
Prem. grth%
23.15
23.76
26.36
27.85
27.72
27.87
29.62
27.45
26.81
25.25
22.25
27.45
27.13
73
29.50
Invest. yld%
2.97
2.41
5.10
5.20
6.59
9.37
11.14
12.98
12.67
12.44
23.49
12.44
7.98
40
22.99
BVPS grth%
22.35
21.50
22.73
25.30
25.07
22.22
22.12
23.70
23.44
23.51
28.27
23.44
23.08
12
12.27
Return on equity%
19.32
18.40
17.31
14.32
13.09
10.89
12.26
12.82
13.15
14.97
10.45
12.82
13.74
67
15.02
Return on assets%
14.72
11.94
14.59
17.10
14.82
16.70
16.44
14.85
14.49
16.33
27.20
16.33
14.84
93
2.58
EPS฿
4.23
3.97
3.72
3.56
3.59
3.75
4.13
4.02
4.43
4.84
2.82
6.19%
1.83%
—
22.71
EPS growth%
2.30
1.76
3.31
1.45
1.17
1.11
3.07
2.17
0.40
0.40
26.70
1.11
1.61
28
1.14
Bookvalue per sh฿
7.68
8.23
7.81
7.80
7.99
7.85
8.03
7.40
6.78
7.04
1.72
(2.52%)
(0.70%)
—
3.57
TBV/sh฿
7.33
6.62
7.15
7.76
7.31
7.37
6.78
6.76
7.36
7.87
4.94
1.48%
1.76%
—
5.21
Dividend per sh฿
12.11
14.30
16.35
17.72
18.78
18.56
20.04
20.69
24.43
27.81
5.87
8.17%
10.21%
—
21.83
Div yield (avg)%
12.33
14.47
12.30
14.48
16.84
14.19
14.49
12.59
13.24
10.65
13.01
13.24
13.71
93
16.12
Payout ratio%
14.62
12.58
10.91
8.21
8.91
6.67
6.10
8.76
6.27
6.80
12.67
6.67
8.49
62
394.1
Shares (diluted)M
443.4
420.0
442.1
459.4
468.1
541.3
520.9
542.6
537.6
578.2
395.2
4.32%
2.57%
48
2.57
Buyback yield%
31.28
32.54
32.28
30.34
32.35
31.64
29.11
29.77
28.51
28.61
10.72
29.11
30.81
78
1.091
D/E ratiox
1.075
1.051
1.198
1.155
1.072
1.206
1.154
1.280
1.426
1.494
1.251
1.280
1.176
46
0.724
Assets฿B
3.734
4.102
4.477
5.012
5.217
5.739
6.182
6.636
7.156
7.711
2.956
8.13%
8.79%
92
1.365
LT debt฿B
2.070
2.266
2.251
2.236
2.274
2.384
2.212
1.994
2.235
2.431
2.021
1.35%
1.12%
58
Revenue
฿3.324B
1.40%
1.00×
Claims and benefits
฿1.826B
1.54%
1.01×
Total costs
฿2.667B
1.60%
1.02×