193.5
Revenue¥B
658.4
677.5
697.6
711.1
720.1
750.1
765.9
792.1
822.4
861.5
207.2
3.65%
3.09%
61
26.72
Revenue growth%
15.45
15.02
15.88
15.51
16.99
15.58
15.01
13.11
15.22
16.97
12.63
15.22
15.48
62
26.13
Combined R.%
94.00
94.60
94.13
95.59
95.27
95.12
93.85
93.89
94.54
95.99
10.06
94.54
94.57
86
6.39
Operating margin%
12.84
10.56
12.72
14.49
15.08
13.66
10.90
9.52
8.84
7.28
4.68
9.52
11.81
67
13.68
Net margin%
11.67
10.32
8.31
7.79
6.29
7.06
5.48
7.75
6.33
3.46
12.28
6.33
7.41
15
14.82
P/E ratio (avg)x
36.16
36.75
37.04
35.49
38.26
38.88
44.02
45.25
48.26
48.17
28.70
45.25
38.57
89
14.63
P/TBVx
18.65
17.43
15.93
16.36
14.70
15.94
17.47
19.31
20.19
18.61
26.05
18.61
17.45
70
8.890
P/Bx
21.33
20.73
19.21
18.16
17.28
18.94
17.67
16.29
15.59
14.83
30.89
16.29
17.92
85
27.05
Prem. grth%
1.40
2.35
0.40
1.93
1.49
0.40
0.40
0.40
1.64
0.40
9.32
0.40
0.90
75
26.03
Invest. yld%
14.66
14.39
14.27
12.09
13.75
15.19
14.70
13.55
12.55
10.31
10.78
13.55
14.01
71
23.95
BVPS grth%
12.51
10.48
8.06
5.85
8.06
10.51
8.28
10.88
12.80
15.37
15.86
10.88
10.49
24
27.85
Return on equity%
14.61
12.87
14.48
15.20
13.66
12.23
15.19
17.75
19.48
16.63
12.91
16.63
14.90
11
27.86
Return on assets%
23.64
20.76
21.03
22.05
23.27
23.09
21.58
23.33
25.45
23.52
19.79
23.33
23.18
42
161.46
EPS¥
119.04
128.57
134.93
142.41
158.31
155.67
167.68
167.22
165.51
168.30
174.83
1.23%
3.06%
—
12.32
EPS growth%
16.36
17.86
17.25
18.77
20.07
19.30
17.78
20.27
19.29
18.35
7.19
19.29
18.56
63
181.69
Bookvalue per sh¥
117.49
106.47
90.69
95.03
91.71
81.62
87.48
84.93
79.05
67.36
154.01
(5.98%)
(5.73%)
—
54.70
TBV/sh¥
208.15
226.47
246.21
293.19
341.98
406.65
401.26
401.72
427.78
455.46
115.06
5.90%
9.65%
—
113.64
Dividend per sh¥
78.76
76.67
68.70
68.36
62.27
56.10
54.51
56.68
50.22
46.13
59.10
(5.82%)
(4.77%)
—
5.12
Div yield (avg)%
11.26
9.24
8.41
7.86
5.10
3.23
3.83
3.59
2.76
1.81
4.94
3.23
4.47
31
26.30
Payout ratio%
31.32
33.71
31.62
29.80
30.38
32.71
32.58
33.44
36.21
35.15
9.00
33.44
32.65
34
1.102
Shares (diluted)B
0.742
0.707
0.753
0.799
0.864
0.878
0.907
0.951
0.875
0.771
1.053
(2.25%)
0.05%
54
26.00
Buyback yield%
1.37
0.40
0.40
0.40
3.06
3.66
2.90
4.60
5.77
6.83
27.56
4.60
2.98
30
0.828
D/E ratiox
2.091
2.407
2.308
2.180
2.303
2.349
2.518
2.693
2.788
2.690
0.284
2.690
2.378
86
193.6
Assets¥B
788.8
856.2
937.7
1,067
1,156
1,284
1,383
1,474
1,564
1,680
564.8
7.77%
8.63%
47
581.3
LT debt¥B
487.6
460.5
450.6
398.4
433.2
445.7
425.8
397.0
388.8
353.9
551.1
(3.96%)
(3.87%)
12
Revenue
¥861.5B
3.09%
1.00×
Claims and benefits
¥502.6B
2.88%
0.98×
Total costs
¥758.5B
3.21%
1.01×