177.2
Revenue฿M
144.0
153.8
159.9
165.2
174.0
185.6
191.6
197.5
206.6
220.2
185.6
4.82%
4.91%
46
6.95
Revenue growth%
14.27
11.96
10.66
7.93
6.51
6.59
9.27
10.53
13.06
13.37
24.13
10.53
10.59
72
18.29
Combined R.%
84.01
85.80
83.86
83.70
85.73
84.85
83.66
84.48
85.44
82.79
20.75
84.48
84.24
65
18.61
Operating margin%
17.80
20.53
19.60
18.99
21.13
19.33
19.22
20.32
19.94
21.12
14.95
19.94
19.77
74
16.93
Net margin%
15.34
12.41
14.99
12.93
11.79
11.81
14.78
12.57
11.48
11.10
26.82
11.81
12.49
18
9.901
P/E ratio (avg)x
15.73
14.74
14.52
16.32
15.28
16.00
17.34
18.22
19.51
20.05
25.53
18.22
16.16
19
36.89
P/TBVx
8.130
7.470
7.633
8.243
7.636
7.911
8.022
7.815
8.077
8.253
34.55
8.022
7.966
33
10.63
P/Bx
13.39
13.27
12.77
12.92
12.08
10.38
10.22
9.136
8.460
7.323
27.65
9.136
11.23
22
9.28
Prem. grth%
4.49
6.92
5.40
7.83
10.31
10.67
8.91
9.37
8.46
11.14
7.70
9.37
8.68
45
18.25
Invest. yld%
8.30
9.55
8.26
8.92
7.25
7.87
5.85
6.35
7.34
7.27
13.72
7.27
7.60
94
21.05
BVPS grth%
31.43
34.03
32.83
34.93
34.16
31.42
32.29
30.88
30.14
30.76
19.38
30.88
31.86
61
4.03
Return on equity%
13.88
15.50
16.84
15.94
17.46
16.40
17.64
15.11
14.59
15.53
12.63
15.53
15.74
20
18.04
Return on assets%
28.54
31.11
32.46
31.25
33.18
32.23
34.66
34.89
32.41
31.13
15.93
32.41
32.32
30
3.19
EPS฿
1.14
1.04
1.04
1.01
1.00
1.02
1.00
1.01
0.89
0.89
3.52
(2.39%)
(4.00%)
—
15.55
EPS growth%
27.56
30.14
32.52
30.49
29.14
30.12
28.60
29.17
30.79
29.41
14.15
29.41
29.77
36
0.98
Bookvalue per sh฿
1.81
1.78
1.73
1.88
1.91
1.84
1.75
1.60
1.72
1.54
2.28
(4.22%)
(2.26%)
—
1.59
TBV/sh฿
1.08
1.05
1.10
1.00
0.94
0.90
0.82
0.74
0.80
0.78
3.23
(3.53%)
(4.24%)
—
1.66
Dividend per sh฿
1.29
1.29
1.37
1.23
1.33
1.40
1.26
1.34
1.40
1.32
1.01
(0.16%)
(0.91%)
—
17.00
Div yield (avg)%
17.46
16.68
14.03
15.56
13.87
11.71
10.47
11.72
14.59
12.44
12.54
11.72
13.95
42
16.14
Payout ratio%
24.70
26.66
25.88
24.71
24.26
22.79
23.49
24.04
27.03
24.48
14.60
24.04
24.59
17
50.98
Shares (diluted)M
52.87
55.18
53.57
48.73
44.61
49.82
51.41
51.76
48.30
46.85
50.88
0.98%
(1.37%)
41
10.52
Buyback yield%
25.39
23.07
26.01
24.63
23.15
25.28
25.15
24.54
26.12
28.80
20.06
25.28
25.22
77
0.821
D/E ratiox
0.682
0.605
0.549
0.532
0.529
0.569
0.634
0.697
0.764
0.802
0.896
0.697
0.620
23
0.186
Assets฿B
0.758
0.855
0.927
1.000
1.083
1.190
1.265
1.386
1.448
1.568
0.123
7.69%
8.03%
88
58.08
LT debt฿M
203.5
196.3
183.9
193.0
186.3
216.2
228.8
254.9
249.7
273.0
81.91
7.95%
3.25%
50
Revenue
฿220.2M
4.91%
1.00×
Claims and benefits
฿124.1M
4.85%
0.99×
Total costs
฿168.7M
4.74%
0.98×