| Metric | Q4 2022/2023 | Q4 2023/2024 | Q4 2024/2025 |
|---|---|---|---|
| Earnings & Returns | |||
| EPS (Annualized) | 17.16 | 14.13 ↓ 17.7% | 9.79 ↓ 30.7% |
| EPS (TTM) | 17.16 | 14.13 ↓ 17.7% | 9.79 ↓ 30.7% |
| ROE (Annualized) | 13.18% | 10.74% ↓ 18.5% | 7.68% ↓ 28.5% |
| ROE (TTM) | 13.18% | 10.74% ↓ 18.5% | 7.68% ↓ 28.5% |
| ROA (Annualized) | 1.96% | 1.95% ↓ 0.5% | 1.70% ↓ 12.8% |
| ROA (TTM) | 1.96% | 1.95% ↓ 0.5% | 1.70% ↓ 12.8% |
| Valuation Ratios | |||
| P/E Ratio (Latest) | 159.90 | 159.90 ↑ 0% | 159.90 ↑ 0% |
| P/E Ratio (TTM) | 91.66 | 91.66 ↑ 0% | 91.66 ↑ 0% |
| P/E Ratio (Annualized) | 42.91 | 48.20 ↑ 12.3% | 81.13 ↑ 68.3% |
| P/B Ratio | 5.34 | 5.05 ↓ 5.4% | 6.05 ↑ 19.8% |
| Graham Number | 230.72 | 206.99 ↓ 10.3% | 170.03 ↓ 17.9% |
| Price/Sales Ratio | 5.90 | 9.73 ↑ 64.9% | 19.40 ↑ 99.4% |
| Book Value Per Share | 137.87 | 134.76 ↓ 2.3% | 131.25 ↓ 2.6% |
| Banking & Operational | |||
| NPL to Total Loan | 0.66% | 2.07% ↑ 213.6% | 3.84% ↑ 85.5% |
| Credit to Deposit Ratio | 106.15% | 106.90% ↑ 0.7% | 124.06% ↑ 16.1% |
| Interest Rate Spread | 2.27% | 2.14% ↓ 5.7% | 1.43% ↓ 33.2% |
| Net Interest Margin | 5.64% | 4.12% ↓ 27% | 3.46% ↓ 16% |
| Net Profit Margin | 13.75% | 20.17% ↑ 46.7% | 23.92% ↑ 18.6% |
| Asset Turnover | 0.14 | 0.10 ↓ 28.6% | 0.07 ↓ 30% |