0.506
Revenue¥B
0.702
0.764
0.828
0.906
0.960
1.019
1.111
1.200
1.270
1.336
0.552
6.83%
7.42%
30
11.87
Revenue growth%
15.69
14.02
14.87
16.18
16.31
18.14
19.78
17.15
18.14
19.42
12.01
18.14
16.73
75
24.42
Combined R.%
90.87
91.32
91.92
91.53
92.17
90.13
90.87
90.04
90.60
90.47
21.43
90.47
90.87
33
11.04
Operating margin%
12.25
10.19
10.66
8.85
10.64
8.43
6.97
4.27
4.96
5.61
2.78
5.61
8.64
51
5.24
Net margin%
0.40
0.52
0.40
0.40
3.02
2.93
4.51
6.12
7.75
5.29
16.14
5.29
2.98
22
11.54
P/E ratio (avg)x
12.17
11.37
12.80
14.43
15.20
17.10
15.64
15.37
14.74
16.52
30.19
15.64
14.97
12
11.88
P/TBVx
26.93
28.25
24.80
25.98
22.70
20.17
20.62
18.32
18.33
16.82
18.99
18.33
21.66
18
25.43
P/Bx
7.454
8.145
8.135
8.933
8.115
7.931
7.071
6.671
6.082
5.936
26.30
6.671
7.692
62
13.58
Prem. grth%
24.64
23.53
22.40
23.22
20.32
21.89
20.91
19.38
21.15
18.32
15.56
20.91
21.52
65
16.51
Invest. yld%
19.27
18.52
18.37
15.73
13.80
13.51
11.23
8.66
8.57
6.20
26.09
8.66
13.66
5
29.57
BVPS grth%
30.21
30.63
31.84
32.99
34.66
33.30
30.62
32.52
30.74
29.66
6.86
30.74
31.29
16
22.63
Return on equity%
30.96
29.58
29.25
30.64
29.60
28.00
25.73
27.70
30.46
32.08
2.24
28.00
29.59
9
13.45
Return on assets%
18.56
16.12
17.68
19.41
19.83
16.98
18.12
19.87
17.63
18.14
25.42
18.12
18.13
95
45.16
EPS¥
17.95
16.97
18.48
20.15
19.36
20.61
20.62
20.02
20.79
20.45
47.80
1.10%
2.33%
—
13.51
EPS growth%
6.19
7.27
9.83
12.80
15.26
16.27
18.63
20.11
19.57
20.12
23.18
19.57
15.77
11
92.89
Bookvalue per sh¥
71.23
76.55
72.91
62.99
56.97
59.19
64.76
65.18
60.76
55.65
55.55
(0.47%)
(1.64%)
—
66.21
TBV/sh¥
20.32
18.39
16.32
14.83
13.60
14.07
15.06
13.58
14.47
15.24
32.75
2.30%
(3.13%)
—
91.89
Dividend per sh¥
36.04
34.03
38.46
35.61
38.89
41.93
45.71
50.28
54.88
59.14
13.68
8.74%
4.93%
—
20.54
Div yield (avg)%
16.23
14.61
13.14
11.23
12.75
14.86
14.77
13.75
15.12
14.32
19.48
14.77
14.46
65
10.13
Payout ratio%
14.59
15.00
12.32
9.73
12.69
14.72
11.79
8.82
11.34
12.45
14.46
11.79
12.38
62
8.233
Shares (diluted)M
10.93
10.04
10.22
10.11
9.688
10.01
10.94
10.86
10.95
11.09
8.203
2.73%
1.38%
28
3.06
Buyback yield%
26.65
24.68
24.04
22.64
24.15
24.23
22.41
19.42
17.73
17.30
28.34
19.42
23.34
69
1.062
D/E ratiox
1.386
1.588
1.530
1.585
1.854
1.907
1.802
1.796
1.847
1.927
0.397
1.847
1.799
50
1.203
Assets¥B
0.828
0.916
0.983
1.100
1.179
1.335
1.456
1.526
1.625
1.787
0.588
8.68%
9.07%
53
0.306
LT debt¥B
0.717
0.738
0.746
0.841
0.909
0.870
0.960
1.133
1.123
1.199
0.412
5.68%
6.85%
25
Revenue
¥1.336B
7.42%
1.00×
Claims and benefits
¥779.8M
7.34%
0.99×
Total costs
¥1.109B
7.31%
0.99×
Spread over hurdle
29.94%