3.191
Revenue¥B
7.475
7.924
8.527
8.903
9.228
9.847
10.37
11.07
11.66
12.55
3.276
6.35%
5.67%
83
24.25
Revenue growth%
8.13
5.20
7.27
4.72
2.44
4.41
3.71
5.87
3.54
2.65
2.89
3.71
4.56
32
2.91
Combined R.%
82.85
83.03
81.85
82.45
81.99
81.93
82.29
82.43
82.37
81.13
24.40
82.29
82.33
45
19.45
Operating margin%
30.42
29.86
27.19
27.61
30.00
31.57
31.79
34.39
33.89
35.71
2.45
33.89
31.00
80
19.85
Net margin%
16.69
16.37
17.32
19.90
20.97
23.53
24.02
25.78
27.76
30.09
11.30
25.78
22.25
71
10.16
P/E ratio (avg)x
59.82
63.09
72.35
79.69
80.42
82.14
91.71
95.34
101.7
118.3
13.65
95.34
81.28
64
12.48
P/TBVx
22.72
27.10
28.37
33.85
37.94
37.76
44.46
48.53
49.37
48.17
17.01
48.17
37.85
42
14.87
P/Bx
7.855
7.890
7.853
8.530
8.522
7.673
6.998
6.835
7.219
7.424
6.208
7.219
7.763
19
2.59
Prem. grth%
19.68
18.15
17.71
19.46
22.34
22.42
24.42
22.36
20.04
22.05
2.33
22.36
21.04
73
14.69
Invest. yld%
23.63
25.46
28.45
30.00
28.10
27.03
25.43
25.77
25.47
23.97
12.38
25.47
25.62
49
26.32
BVPS grth%
11.21
8.69
7.75
6.43
7.39
6.99
7.88
5.98
7.80
6.18
8.43
6.99
7.57
34
25.89
Return on equity%
16.77
14.45
13.39
13.90
12.72
10.33
9.53
8.98
11.57
9.25
15.04
9.53
12.15
10
28.60
Return on assets%
5.41
3.52
5.67
5.90
5.72
2.80
2.02
1.09
0.87
0.44
17.40
1.09
3.16
38
0.31
EPS¥
0.59
0.63
0.69
0.63
0.57
0.52
0.51
0.45
0.45
0.39
0.34
(7.08%)
(5.41%)
—
3.08
EPS growth%
10.21
9.25
8.11
9.48
7.16
6.73
9.31
11.07
8.78
6.86
17.89
8.78
9.01
25
0.52
Bookvalue per sh¥
0.91
0.83
0.92
0.99
1.12
1.09
1.14
1.25
1.19
1.27
1.08
2.59%
3.91%
—
0.44
TBV/sh¥
0.51
0.52
0.50
0.47
0.48
0.56
0.57
0.61
0.57
0.60
1.10
4.42%
1.61%
—
0.86
Dividend per sh¥
2.28
2.24
2.50
2.39
2.66
2.95
3.05
3.19
3.09
2.95
0.36
2.10%
3.78%
—
25.20
Div yield (avg)%
7.48
4.90
6.42
7.81
7.76
8.95
9.28
12.11
14.73
14.87
25.73
12.11
8.38
81
4.71
Payout ratio%
10.56
8.19
11.16
13.65
11.95
9.70
11.90
11.02
13.52
10.84
27.83
11.02
11.09
29
2.272
Shares (diluted)B
3.206
3.314
3.217
3.493
3.728
3.569
3.825
3.661
4.058
4.306
2.327
2.92%
2.46%
50
19.32
Buyback yield%
11.59
13.98
15.64
14.43
16.36
18.63
20.37
21.05
21.94
19.87
10.79
20.37
17.49
77
0.955
D/E ratiox
0.210
0.223
0.220
0.237
0.263
0.295
0.311
0.335
0.367
0.370
0.189
0.335
0.279
33
0.497
Assets¥B
5.062
5.572
6.155
6.679
7.276
8.092
8.836
9.191
9.556
10.79
1.158
8.19%
8.62%
93
1.284
LT debt¥B
6.476
6.830
6.215
6.716
6.433
6.281
5.820
6.354
6.325
5.722
8.998
(2.31%)
(1.07%)
66
Revenue
¥12.55B
5.67%
1.00×
Claims and benefits
¥5.936B
5.44%
0.98×
Total costs
¥9.426B
5.43%
0.98×