Earnings Presentation Materials for the Fiscal Year Ending March 2026 | MS&AD Insurance Group Holdings,Inc. (8725) timely disclosure

Worth reading

76Important

Scored from 3 of 6 sections

Direction

Mixed performance

Direction inferred from the company’s description.

Scale

2104

¥100 million

Wording

Conditional

How definitive the wording is.

Contents of this document

Financial results presentationFiscal year ending March 20265 items taken from the company’s own explanation

Financial Results Figures (The key points of this material are explained below)

Net Sales¥64,360 100 million+8.2%

Ordinary income¥7,035 100 million+53.4%

Net income¥5,106 100 million+70.1%

Full-year earnings forecast

Insurance revenue

¥70,000 100 million

Profit for the period attributable to owners of the parent

¥4,250 100 million

Annual dividend per share

¥17,000 0.00

What the company explained in this material

Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.

Domestic natural catastrophe incurred claims

¥-647 100 million

Overseas natural catastrophe incurred claims

¥-613 100 million

Incurred claims of the two major domestic non-life insurers

¥-1,219 100 million

Investment gains and losses of the two major domestic non-life insurers

¥1,378 100 million

Insurance service result of overseas insurance subsidiaries

¥521 100 million

Investment gains and losses of Mitsui Sumitomo Primary Life Insurance

¥5,629 100 million

Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.

Domestic natural catastrophe incurred claims (Mitsui Sumitomo Insurance)

¥830 100 million

Domestic natural catastrophe incurred claims (Aioi Nissay Dowa Insurance)

¥670 100 million

Market interest rates, exchange rates and stock market conditionsAssumption that market interest rates, exchange rates and stock market conditions will not change significantly from the end of March 2026

Key KPIsA metric the company considers important as a management benchmark.

In-force amount (Mitsui Sumitomo Aioi Life Insurance)¥210,303 100 million
Year on year against the same period last year-2.6%
New policy amount (Mitsui Sumitomo Aioi Life Insurance)¥16,860 100 million
Year on year against the same period last year+39.8%
In-force amount (Mitsui Sumitomo Primary Life Insurance)¥93,257 100 million
Year on year against the same period last year+14.7%
Combined ratio (two major domestic non-life insurers)93.6 %
Year on year against the same period last year-3.0%
CSM (Mitsui Sumitomo Aioi Life Insurance)¥5,916 100 million
Year on year against the same period last year-9.5%

Segment results

Mitsui Sumitomo Insurance

Insurance revenue

¥20,865 100 million+4.3%

Profit for the period attributable to owners of the parent

¥1,829 100 million+68.5%

Aioi Nissay Dowa Insurance

Insurance revenue

¥15,887 100 million+3.6%

Profit for the period attributable to owners of the parent

¥1,189 100 million+75.9%

Mitsui Direct General Insurance

Insurance revenue

¥405 100 million+11.9%

Profit for the period attributable to owners of the parent

¥-22 100 million

Mitsui Sumitomo Aioi Life Insurance

Insurance revenue

¥2,562 100 million+1.5%

Profit for the period attributable to owners of the parent

¥-602 100 million-370.6%

Mitsui Sumitomo Primary Life Insurance

Insurance revenue

¥1,067 100 million-1.2%

Profit for the period attributable to owners of the parent

¥1,273 100 million+149.7%

Overseas insurance subsidiaries

Insurance revenue

¥25,076 100 million+17.5%

Profit for the period attributable to owners of the parent

¥2,344 100 million+32.2%

Annual Dividend

170 yen per share

Contents of this document
Item	Details
Document type	Financial results presentation
Fiscal Period Covered	Fiscal year ending March 2026
Net Sales	¥64,360 100 million (YoY +8.2%)
Ordinary income	¥7,035 100 million (YoY +53.4%)
Net income	¥5,106 100 million (YoY +70.1%)
Full-year earnings forecast	Insurance revenue ¥70,000 100 million / Profit for the period attributable to owners of the parent ¥4,250 100 million / Annual dividend per share ¥17,000 0.00
Segment results	Mitsui Sumitomo Insurance Insurance revenue ¥20,865 100 million (YoY +4.3%) / Profit for the period attributable to owners of the parent ¥1,829 100 million (YoY +68.5%) / Aioi Nissay Dowa Insurance Insurance revenue ¥15,887 100 million (YoY +3.6%) / Profit for the period attributable to owners of the parent ¥1,189 100 million (YoY +75.9%) / Mitsui Direct General Insurance Insurance revenue ¥405 100 million (YoY +11.9%) / Profit for the period attributable to owners of the parent ¥-22 100 million / Mitsui Sumitomo Aioi Life Insurance Insurance revenue ¥2,562 100 million (YoY +1.5%) / Profit for the period attributable to owners of the parent ¥-602 100 million (YoY -370.6%) / Mitsui Sumitomo Primary Life Insurance Insurance revenue ¥1,067 100 million (YoY -1.2%) / Profit for the period attributable to owners of the parent ¥1,273 100 million (YoY +149.7%) / Overseas insurance subsidiaries Insurance revenue ¥25,076 100 million (YoY +17.5%) / Profit for the period attributable to owners of the parent ¥2,344 100 million (YoY +32.2%)
Breakdown of Factors Affecting the Change	Domestic natural catastrophe incurred claims ¥-647 100 million / Overseas natural catastrophe incurred claims ¥-613 100 million / Incurred claims of the two major domestic non-life insurers ¥-1,219 100 million / Investment gains and losses of the two major domestic non-life insurers ¥1,378 100 million / Insurance service result of overseas insurance subsidiaries ¥521 100 million / Investment gains and losses of Mitsui Sumitomo Primary Life Insurance ¥5,629 100 million
Key KPIs	In-force amount (Mitsui Sumitomo Aioi Life Insurance) ¥210,303 100 million, New policy amount (Mitsui Sumitomo Aioi Life Insurance) ¥16,860 100 million, In-force amount (Mitsui Sumitomo Primary Life Insurance) ¥93,257 100 million, Combined ratio (two major domestic non-life insurers) 93.6 %, CSM (Mitsui Sumitomo Aioi Life Insurance) ¥5,916 100 million
Assumptions Underlying the Business Outlook	Domestic natural catastrophe incurred claims (Mitsui Sumitomo Insurance) ¥830 100 million / Domestic natural catastrophe incurred claims (Aioi Nissay Dowa Insurance) ¥670 100 million / Market interest rates, exchange rates and stock market conditions Assumption that market interest rates, exchange rates and stock market conditions will not change significantly from the end of March 2026
Annual Dividend	170 yen per share

Items this document does not state (20)

Operating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesResults for the three months of the current quarterProgress against full-year forecastSelf-assessment against the planUnit price and quantity metricsNumber of stores and locationsNumber of employeesRisk 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.

For its FY2026 earnings forecast, the company assumes domestic natural catastrophe incurred claims of ¥83.0 billion for Mitsui Sumitomo Insurance and ¥67.0 billion for Aioi Nissay Dowa Insurance, and assumes that market interest rates, exchange rates and stock market conditions will not change significantly from the end of March 2026. No overall explanation of the factors behind the change in FY2025 results is provided.

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.

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