Worth reading
61In focus
Scored from 3 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
956
Hundreds of millions of yenWording
Conditional
How definitive the wording is.Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPNet Sales7,653,030¥ millionYear on year +14.9%
Ordinary income1,120,230¥ millionYear on year +20.6%
Net income attributable to owners of the parent787,339¥ millionYear on year +13.8%
The width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit.
Net income per share¥528.87
Financial position at period-end
Total assets28,640,815¥ million
of which net assets 4,825,140 ¥ million
The shaded area represents net assets as a proportion of total assets. It is calculated from the two amounts reported by the company.
Cash inflows and outflows
Operating+762,608
Investment-696,997
Financials-129,233
Net change-63,622
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Cash and cash equivalents at end of period¥2,222,892 million
Segment revenueDomestic non-life insurance business (三井住友海上) ¥1,699,990 million (YoY +4.6%), Domestic non-life insurance business (あいおいニッセイ同和損保) ¥1,379,774 million (YoY +2.8%), Domestic non-life insurance business (三井ダイレクト損保) ¥44,078 million (YoY +17.4%), Domestic life insurance business (三井住友海上あいおい生命) ¥447,737 million (YoY -3.3%), Domestic life insurance business (三井住友海上プライマリー生命) ¥1,293,276 million (YoY +9.9%), Overseas business (overseas insurance subsidiaries) ¥1,922,848 million (YoY +14.4%)
Segment profitDomestic non-life insurance business (三井住友海上) ¥459,965 million (YoY 0.0%), Domestic non-life insurance business (あいおいニッセイ同和損保) ¥158,069 million (YoY +45.4%), Domestic non-life insurance business (三井ダイレクト損保) ¥-1,957 million (YoY -10.3%), Domestic life insurance business (三井住友海上あいおい生命) ¥-51,978 million, Domestic life insurance business (三井住友海上プライマリー生命) ¥32,305 million (YoY +25.7%), Overseas business (overseas insurance subsidiaries) ¥261,865 million (YoY +42.2%)
Outlook and shareholder returns
Full-year earnings forecast
SubjectFiscal year ending March 2027
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary incomeNot disclosed
Net income4,250 Hundreds of millions of yen
Factors Behind Changes in Business Performance
Ordinary revenue is presented as the total of insurance underwriting revenue, investment income, and other ordinary revenue. Operating cash flow increased year on year, primarily because cash receipts from insurance premiums increased.
Disclosure regarding the going concern assumption
No applicable matters
Impairment loss¥33,703 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets ¥2,419 million, Gain on sale of shares in an affiliated company ¥26,395 million, Reversal of statutory reserves (reversal of price fluctuation reserve) ¥2,606 million / Extraordinary loss Losses on disposal of fixed assets ¥4,665 million, Impairment Losses ¥33,703 million, Other extraordinary losses ¥61,040 million
Depreciation and amortization¥100,272 million
Availability of Supplementary Financial Results MaterialsYes
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Net Sales | ¥7,653,030 million (YoY +14.9%) |
| Ordinary income | ¥1,120,230 million (YoY +20.6%) |
| Profit attributable to owners of the parent | ¥787,339 million (YoY +13.8%) |
| Net income per share | ¥528.87 |
| Total assets | ¥28,640,815 million |
| Net assets | ¥4,825,140 million |
| Cash flows from operating activities | ¥762,608 million |
| Cash flows from investing activities | ¥-696,997 million |
| Cash flows from financing activities | ¥-129,233 million |
| Cash and cash equivalents at end of period | ¥2,222,892 million |
| Full-year earnings forecast | Subject Fiscal year ending March 2027 / Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income Not disclosed / Net income 4,250 Hundreds of millions of yen |
| Segment revenue | Domestic non-life insurance business (三井住友海上) ¥1,699,990 million (YoY +4.6%), Domestic non-life insurance business (あいおいニッセイ同和損保) ¥1,379,774 million (YoY +2.8%), Domestic non-life insurance business (三井ダイレクト損保) ¥44,078 million (YoY +17.4%), Domestic life insurance business (三井住友海上あいおい生命) ¥447,737 million (YoY -3.3%), Domestic life insurance business (三井住友海上プライマリー生命) ¥1,293,276 million (YoY +9.9%), Overseas business (overseas insurance subsidiaries) ¥1,922,848 million (YoY +14.4%) |
| Segment profit | Domestic non-life insurance business (三井住友海上) ¥459,965 million (YoY 0.0%), Domestic non-life insurance business (あいおいニッセイ同和損保) ¥158,069 million (YoY +45.4%), Domestic non-life insurance business (三井ダイレクト損保) ¥-1,957 million (YoY -10.3%), Domestic life insurance business (三井住友海上あいおい生命) ¥-51,978 million, Domestic life insurance business (三井住友海上プライマリー生命) ¥32,305 million (YoY +25.7%), Overseas business (overseas insurance subsidiaries) ¥261,865 million (YoY +42.2%) |
| Depreciation and amortization | ¥100,272 million |
| Impairment loss | ¥33,703 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥2,419 million, Gain on sale of shares in an affiliated company ¥26,395 million, Reversal of statutory reserves (reversal of price fluctuation reserve) ¥2,606 million / Extraordinary loss Losses on disposal of fixed assets ¥4,665 million, Impairment Losses ¥33,703 million, Other extraordinary losses ¥61,040 million |
| Disclosure regarding the going concern assumption | No applicable matters |
| Availability of Supplementary Financial Results Materials | Yes |
| Factors Behind Changes in Business Performance | Ordinary revenue is presented as the total of insurance underwriting revenue, investment income, and other ordinary revenue. Operating cash flow increased year on year, primarily because cash receipts from insurance premiums increased. |
Items this document does not state (15)
Operating profitOperating MarginEquity ratioRevision to Earnings ForecastAnnual Dividend ForecastPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogChange in accounting policyChanges in the scope of consolidationMaterial subsequent eventsAvailability of Financial Results BriefingIssued Shares at Period-EndTreasury Shares at Period-End
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Ordinary revenue totaled ¥7,653.0 billion, comprising insurance underwriting revenue of ¥5,762.5 billion, investment income of ¥1,813.0 billion, and other ordinary revenue of ¥77.4 billion. No other primary factors behind the year-on-year increase in profit were specified.
How to read this page
This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.