12.93
Revenue฿B
13.42
13.86
14.79
15.27
16.13
16.66
17.53
18.37
18.98
19.68
14.30
4.05%
4.14%
67
22.80
Revenue growth%
13.16
15.56
18.25
17.06
17.36
16.82
16.60
14.13
13.14
13.37
11.57
14.13
16.08
19
2.43
Combined R.%
88.16
89.95
91.64
90.54
89.44
88.45
89.34
88.87
87.92
89.65
27.59
88.87
89.39
75
29.95
Operating margin%
11.37
14.32
17.11
19.97
18.82
21.80
18.82
20.77
22.54
23.25
19.80
21.80
19.40
40
27.49
Net margin%
5.79
7.97
5.90
5.33
3.71
0.97
0.40
0.86
1.15
0.40
8.06
0.86
2.43
28
30.32
P/E ratio (avg)x
7.862
7.997
7.139
7.371
6.801
7.084
7.029
6.201
6.509
5.884
23.68
6.509
7.057
69
37.83
P/TBVx
34.41
35.00
35.44
34.50
32.72
33.52
33.31
31.64
32.81
30.12
19.33
32.81
33.42
48
17.79
P/Bx
19.98
21.14
24.30
23.75
22.32
21.11
24.21
24.20
26.86
25.88
30.99
24.21
23.98
70
2.61
Prem. grth%
29.76
30.16
32.47
32.39
29.87
26.92
25.24
24.82
22.33
19.45
16.32
24.82
28.34
78
14.15
Invest. yld%
23.82
26.80
27.90
29.62
29.05
28.19
28.42
29.74
31.04
33.64
15.44
29.74
28.73
57
17.52
BVPS grth%
13.10
10.63
7.66
9.18
9.75
9.67
9.66
9.65
9.87
7.95
4.97
9.66
9.67
30
6.85
Return on equity%
11.46
13.21
13.92
16.55
18.15
17.35
15.62
13.49
12.88
14.74
23.81
14.74
14.33
92
3.96
Return on assets%
27.99
26.81
24.74
26.80
28.12
31.10
30.68
30.88
33.26
36.18
8.76
31.10
29.40
9
1.70
EPS฿
5.26
5.92
6.15
6.79
7.35
8.31
9.08
10.08
9.73
9.37
1.76
4.97%
6.40%
—
22.64
EPS growth%
23.16
20.64
19.03
18.49
18.37
17.56
15.13
12.91
13.46
12.73
20.86
13.46
17.96
88
4.54
Bookvalue per sh฿
4.63
4.20
4.24
4.15
4.54
4.92
4.88
5.26
5.70
6.27
3.83
6.64%
3.96%
—
4.68
TBV/sh฿
2.73
2.60
2.77
3.19
3.57
3.35
3.39
3.81
4.01
4.25
2.37
3.55%
5.90%
—
4.31
Dividend per sh฿
1.45
1.63
1.52
1.41
1.55
1.71
1.89
1.99
1.88
1.77
1.58
2.70%
2.05%
—
17.30
Div yield (avg)%
14.42
14.27
14.99
16.48
15.55
13.20
15.30
15.94
15.63
13.68
7.35
15.30
15.15
54
4.72
Payout ratio%
7.22
9.24
8.00
9.46
7.86
10.49
11.13
12.40
10.53
12.97
12.91
11.13
9.97
88
1.694
Shares (diluted)B
2.196
2.119
2.360
2.610
2.854
2.929
3.205
3.554
3.474
3.284
1.748
2.84%
5.53%
82
6.33
Buyback yield%
25.22
23.62
25.02
23.57
22.80
20.04
19.74
17.46
16.66
16.58
19.10
17.46
21.42
58
0.521
D/E ratiox
2.317
2.651
2.855
3.122
3.207
3.754
3.700
3.940
3.808
4.316
1.397
3.808
3.454
74
17.64
Assets฿B
59.09
64.87
70.08
74.57
80.85
90.53
98.48
107.7
118.6
127.2
14.92
9.48%
9.06%
82
13.02
LT debt฿B
10.64
12.92
12.73
13.84
15.14
16.84
16.73
19.01
22.57
22.81
10.80
8.54%
7.72%
54
Revenue
฿19.68B
4.14%
1.00×
Claims and benefits
฿10.73B
4.13%
1.00×
Total costs
฿16.17B
4.24%
1.01×
Spread over hurdle
(1.50%)