| Metric | Q4 2022/2023 | Q4 2023/2024 | Q4 2024/2025 |
|---|---|---|---|
| Earnings & Returns | |||
| EPS (Annualized) | 23.47 | 20.00 ↓ 14.8% | 23.07 ↑ 15.4% |
| EPS (TTM) | 23.47 | 20.00 ↓ 14.8% | 23.07 ↑ 15.4% |
| ROE (Annualized) | 16.93% | 13.60% ↓ 19.7% | 14.34% ↑ 5.4% |
| ROE (TTM) | 16.93% | 13.60% ↓ 19.7% | 14.34% ↑ 5.4% |
| ROA (Annualized) | 1.44% | 1.21% ↓ 16% | 1.29% ↑ 6.6% |
| ROA (TTM) | 1.44% | 1.21% ↓ 16% | 1.29% ↑ 6.6% |
| Valuation Ratios | |||
| P/E Ratio (Latest) | 22.17 | 22.17 ↑ 0% | 22.17 ↑ 0% |
| P/E Ratio (TTM) | 16.63 | 16.63 ↑ 0% | 16.63 ↑ 0% |
| P/E Ratio (Annualized) | 17.26 | 19.26 ↑ 11.6% | 17.80 ↓ 7.6% |
| P/B Ratio | 2.71 | 2.45 ↓ 9.6% | 2.50 ↑ 2% |
| PEG Ratio | 2.03 | 2.03 ↑ 0% | 2.03 ↑ 0% |
| Graham Number | 280.98 | 266.22 ↓ 5.3% | 291.92 ↑ 9.7% |
| Price/Sales Ratio | 1.98 | 2.13 ↑ 7.6% | 2.77 ↑ 30% |
| Book Value Per Share | 149.50 | 157.49 ↑ 5.3% | 164.17 ↑ 4.2% |
| Banking & Operational | |||
| NPL to Total Loan | 1.55% | 2.89% ↑ 86.5% | 4.72% ↑ 63.3% |
| Credit to Deposit Ratio | 82.96% | 82.72% ↓ 0.3% | 85.13% ↑ 2.9% |
| Interest Rate Spread | 4.60% | 4.59% ↓ 0.2% | 4.37% ↓ 4.8% |
| Net Interest Margin | 4.91% | 4.92% ↑ 0.2% | 4.93% ↑ 0.2% |
| Net Profit Margin | 11.45% | 11.07% ↓ 3.3% | 15.55% ↑ 40.5% |
| Asset Turnover | 0.13 | 0.11 ↓ 15.4% | 0.08 ↓ 27.3% |