267.4
Revenue¥M
544.0
582.5
620.8
672.5
709.9
775.3
840.7
912.2
955.8
275.5
296.2
7.29%
7.26%
37
18.51
Revenue growth%
5.47
4.53
1.54
3.59
6.33
3.91
6.34
4.50
4.72
14.72
3.12
4.72
4.62
26
5.09
Combined R.%
81.00
80.63
81.53
81.79
81.09
81.74
80.34
81.97
81.39
8.78
5.72
81.39
81.24
9
15.38
Operating margin%
20.05
20.52
20.43
20.84
19.06
17.23
17.51
20.21
20.60
25.16
18.78
19.06
20.13
81
2.22
Net margin%
10.02
9.57
9.37
10.81
11.60
11.28
12.41
13.24
15.64
26.09
24.79
12.41
11.44
32
36.82
P/E ratio (avg)x
59.64
58.46
65.18
68.26
77.28
83.54
94.52
100.9
115.4
30.62
6.851
94.52
72.77
85
24.73
P/TBVx
37.10
37.63
39.55
40.34
40.48
41.21
45.70
51.74
51.39
21.32
13.03
45.70
40.41
27
7.656
P/Bx
18.80
19.35
20.34
22.67
24.43
26.05
26.10
28.83
31.71
25.54
24.62
26.10
23.55
32
6.27
Prem. grth%
0.40
2.35
2.42
0.40
2.16
3.89
4.80
7.52
7.83
24.65
19.91
4.80
2.38
94
29.61
Invest. yld%
22.18
21.37
22.23
21.88
20.25
21.38
22.94
23.28
22.70
13.28
26.73
22.70
22.20
23
19.09
BVPS grth%
19.49
19.62
18.37
21.27
20.15
20.76
22.17
19.49
17.29
19.15
4.50
20.15
19.88
58
9.54
Return on equity%
27.86
28.96
26.08
28.19
28.20
27.59
28.85
29.93
32.64
3.14
3.41
28.85
28.20
85
6.28
Return on assets%
15.41
13.27
11.87
14.10
14.19
15.21
17.68
19.24
17.01
22.25
18.44
17.01
14.70
43
2.32
EPS¥
6.23
6.37
6.84
6.56
7.64
7.12
7.00
7.04
7.03
2.49
2.80
1.37%
2.56%
—
20.21
EPS growth%
27.26
27.94
27.61
26.54
29.18
31.42
30.43
29.88
32.80
17.73
11.03
30.43
29.16
20
5.67
Bookvalue per sh¥
5.21
5.86
6.39
6.06
5.98
5.46
6.12
6.18
5.63
5.71
4.24
(1.48%)
3.02%
—
7.91
TBV/sh¥
1.57
1.67
1.78
1.60
1.52
1.50
1.57
1.65
1.82
7.17
1.85
2.57%
1.12%
—
6.64
Dividend per sh¥
10.64
10.59
11.25
12.35
11.78
12.46
14.18
15.07
16.93
1.41
3.49
6.51%
5.82%
—
27.14
Div yield (avg)%
26.17
26.50
27.35
29.84
31.88
29.38
27.46
26.17
28.67
22.21
19.60
28.67
27.40
83
5.79
Payout ratio%
7.05
7.09
5.61
6.19
4.31
6.51
7.42
6.70
7.78
15.85
8.21
6.70
6.88
38
71.11
Shares (diluted)M
140.9
161.1
161.6
164.6
187.1
211.3
221.2
240.1
266.2
70.02
67.24
10.09%
9.18%
55
27.48
Buyback yield%
10.48
8.74
8.59
9.07
10.11
8.14
10.62
11.54
9.32
28.57
12.77
10.11
9.72
72
0.581
D/E ratiox
2.842
3.116
3.059
3.280
3.399
3.618
4.289
4.627
5.606
1.789
0.837
4.289
3.339
43
0.885
Assets¥B
0.829
0.880
0.969
1.063
1.124
1.261
1.360
1.533
1.612
0.155
0.460
8.68%
8.20%
25
519.6
LT debt¥M
243.1
268.6
290.5
315.4
311.0
309.4
332.2
336.0
323.1
336.5
65.37
0.49%
4.29%
52
Revenue
¥955.8M
7.26%
1.00×
Claims and benefits
¥481.4M
7.17%
0.99×
Total costs
¥705.6M
7.27%
1.00×