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MS&AD Insurance Group Holdings (8725) investor relations material
MS&AD Insurance Group Holdings Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary19 Nov, 2025
Executive summary
Net premiums written rose by ¥170.5 billion (+6.7% YoY) to ¥2,710.1 billion, driven by strong growth in overseas subsidiaries and domestic non-life insurance, especially in automobile and fire insurance.
Ordinary income rose 19.3% year-over-year to ¥4,111,516 million for the six months ended September 30, 2025.
Consolidated net income increased by ¥32.6 billion YoY to ¥491.6 billion, achieving 84.9% of the initial annual forecast.
Comprehensive income surged 422.9% year-over-year to ¥524,374 million.
Group adjusted profit grew by ¥36.7 billion YoY to ¥537.1 billion, with notable contributions from international business and reduced catastrophe losses.
Financial highlights
Domestic non-life insurance net premiums written increased by ¥36.9 billion YoY to ¥1,661.3 billion, with underwriting profit up by ¥28.8 billion.
Overseas subsidiaries' net premiums written rose by ¥133.5 billion YoY to ¥1,048.7 billion, with significant growth in Lloyd's, Reinsurance, Asia, Europe, and Americas.
Ordinary profit was ¥653,351 million, up 3.6% year-over-year.
Basic EPS for the period was ¥326.93, compared to ¥290.11 in the prior year.
Total assets increased to ¥27,283,536 million from ¥26,241,298 million as of March 31, 2025.
Net assets rose to ¥4,390,641 million, with a net asset ratio of 15.9%.
Domestic life insurance gross premiums income increased by ¥4 billion YoY to ¥862.6 billion, but group adjusted profit declined due to reversal effects from prior year policy targets.
Group adjusted profit: Domestic non-life +¥21.3 billion YoY, international +¥45.9 billion YoY, domestic life -¥30.4 billion YoY.
Outlook and guidance
FY2025 net premiums written forecast raised by ¥70 billion to ¥4,986 billion (+¥311.6 billion YoY).
Consolidated net income forecast increased by ¥11 billion to ¥590 billion (still -¥101.6 billion YoY).
Group adjusted profit forecast raised by ¥89 billion to ¥760 billion (+¥28.2 billion YoY), with upward revisions for non-life and international, and downward for life insurance.
Full-year ordinary profit forecast is ¥834,000 million, up 10.2% year-over-year.
EPS for the full year is projected at ¥394.74.
Annual dividend forecast maintained at ¥155 per share; interim dividend of ¥77.5 and share buyback limit increased to ¥135 billion.
The company revised its earnings forecast during the period.
Barings LLC investment's capital efficiency impact?
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Next MS&AD Insurance Group Holdings earnings date
Q3 202613 Feb, 2026
Next MS&AD Insurance Group Holdings earnings date
Q3 202613 Feb, 2026
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Frequently asked questions
MS&AD Insurance Group Holdings, Inc. is a Japan-based company specializing in insurance and financial services. The company provides a wide range of property and casualty insurance, life insurance, and reinsurance products through its subsidiaries. It serves both individual and corporate clients, offering solutions such as auto, marine, fire, and liability insurance. MS&AD also engages in risk consulting and asset management services. The company is headquartered in Tokyo, Japan, and its shares are listed on the TSE.
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