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2019-2024H1阳光财险非车险业务各险种规模
2019-2024H1阳光财险非车险业务各险种规模
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所属报告:
阳光保险-港股公司首次覆盖深度报告:综合性民营保险集团保险及投资业务兼具成长及特色-250108(46页).pdf
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非车险业务结构发生变化,意健险、责任险保费收入攀升,驱动非车险保费收入上涨,而保证险业务不断压缩。如图表 63,2019-2024H1 期间,除2020、2022年受到公司主动优化业务结构、降低保证险业务规模的影响导致保费收入减少外,非车险保费收入多数年间实现正增长,2019-2023 年间 CAGR达 4.9%,截至 2024H1非车险保费收入共计 113.62亿元,同比+25.5%,目前增长态势良好;其中,保证险/意健险/责任险/货物运输险/其他 保 费 收 入 分 别 为 18.25/43.44/21.40/12.76/17.77 亿 元 , 同 比+5.0%/+41.0%/+32.8%/+13.0%/+19.0%,意健险与责任险增速较快,为保费收入增长提供持续动能。对于非车险业务结构,随着大众健康意识的提升与法律意识的提高,意健险与责任险需求日益扩大,二者业务占比不断增加,分别从 18.0%/11.1%升至 38.2%/18.8%;而保证险业务则因新冠疫情冲击造成的宏观不利因素而被公司主动收紧,目前已从 57.4%降至 16.1%,合计下降 41.3pct,业务占比大幅收缩。截至 2024H1,阳光财险非车险业务结构中保证险 /意健险 /责任险 /货物运输险 /其他险种分别占比16.1%/38.2%/18.8%/11.2%/15.6%。
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阳光保险-港股公司首次覆盖深度报告:综合性民营保险集团保险及投资业务兼具成长及特色-250108(46页).pdf
阳光人寿市占率
2019-2024H1公司人身险业务贡献总净利润规模占比
保险可比公司估值情况
2019-2024H1公司人身险业务净利润规模
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