Worth reading
75Important
Scored from 3 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
1912
Hundred millions of yenWording
Definitive
How definitive the wording is.Contents of this document
Presentation materials on financial resultsFY2025 (fiscal year ending March 2026)3 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Ordinary income11,202 Hundred millions of yen+20.6%
Net income7,873 Hundred millions of yen+13.8%
Full-year earnings forecast
Insurance revenue
70,000 Hundred millions of yen
Profit for the period attributable to owners of the parent
4,250 Hundred millions of yen
Annual dividend per share
¥170
What the company explained in this material
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
- Increase in net premiums written (non-life insurance)3,304 Hundred millions of yen
- Decrease in claims incurred from natural disasters at the 2 major domestic non-life insurers-647 Hundred millions of yen
- Decrease in claims incurred from natural disasters overseas-633 Hundred millions of yen
- Increase in interest and dividend income (at the 2 major domestic non-life insurers)501 Hundred millions of yen
- Increase in net income attributable to owners of the parent at overseas insurance subsidiaries774 Hundred millions of yen
Key KPIsA metric the company considers important as a management benchmark.
- Net loss ratio63.6 %Year on year against the same period last year-3.0%
- Net expense ratio31.4 %Year on year against the same period last year-1.4%
- Combined ratio95 %Year on year against the same period last year-4.4%
- EI loss ratio62 %Year on year against the same period last year-4.8%
Annual Dividend
Annual dividend per share¥170.00
| Item | Details |
|---|---|
| Document type | Presentation materials on financial results |
| Fiscal Period Covered | FY2025 (fiscal year ending March 2026) |
| Ordinary income | 11,202 Hundred millions of yen (YoY +20.6%) |
| Net income | 7,873 Hundred millions of yen (YoY +13.8%) |
| Full-year earnings forecast | Insurance revenue 70,000 Hundred millions of yen / Profit for the period attributable to owners of the parent 4,250 Hundred millions of yen / Annual dividend per share ¥170 |
| Breakdown of Factors Affecting the Change | Factors Increase in net premiums written (non-life insurance) / Amount 3,304 Hundred millions of yen, Factors Decrease in claims incurred from natural disasters at the 2 major domestic non-life insurers / Amount -647 Hundred millions of yen, Factors Decrease in claims incurred from natural disasters overseas / Amount -633 Hundred millions of yen, Factors Increase in interest and dividend income (at the 2 major domestic non-life insurers) / Amount 501 Hundred millions of yen, Factors Increase in net income attributable to owners of the parent at overseas insurance subsidiaries / Amount 774 Hundred millions of yen |
| Key KPIs | Indicator name Net loss ratio / Value 63.6 % / Year on year against the same period last year -3 %, Indicator name Net expense ratio / Value 31.4 % / Year on year against the same period last year -1.4 %, Indicator name Combined ratio / Value 95 % / Year on year against the same period last year -4.4 %, Indicator name EI loss ratio / Value 62 % / Year on year against the same period last year -4.8 % |
| Annual Dividend | Annual dividend per share ¥170.00 / Interim and Year-End Breakdown Not disclosed |
Items this document does not state (23)
Net SalesOperating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesResults for the three months of the current quarterProgress against full-year forecastSelf-assessment against the planSegment resultsUnit price and quantity metricsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsFinancial targetsPayout ratioAcquisition of treasury sharesCapital expendituresOrders received and order backlogMarket Size / ShareKey points of the Q&ANew initiatives
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.In fiscal 2025, claims incurred from natural disasters in Japan's non-life insurance business declined, resulting in lower net loss and net expense ratios. Interest and dividend income also increased, as did profits from overseas insurance subsidiaries. The materials do not state specific reasons for the forecast decline in profit for fiscal 2026.
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.