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MS&AD Insurance Group Holdings (8725) investor relations material
MS&AD Insurance Group Holdings Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary8 Aug, 2025
Executive summary
Net premiums written rose by 160.7 billion yen (+12.4% year-on-year) to 1,457.0 billion yen, driven by strong growth in overseas subsidiaries and domestic non-life insurance.
Consolidated net income increased by 18.5 billion yen (9.1% year-on-year) to 222.7 billion yen, achieving 38.5% of the annual forecast.
Ordinary income rose 4.3% year-on-year to 2,020.3 billion yen, driven by higher underwriting and investment income.
Group adjusted profit reached 234.6 billion yen, up 37.3 billion yen year-on-year, with a 35.0% progress rate against the annual forecast.
Total assets grew to 26,333.6 billion yen, and net assets increased to 4,129.9 billion yen as of June 30, 2025.
Financial highlights
Domestic non-life insurance group adjusted profit rose by 42.7 billion yen to 145.6 billion yen, mainly due to higher underwriting profit and lower catastrophe losses.
Domestic life insurance group adjusted profit fell by 14.3 billion yen to 11.8 billion yen, impacted by reversal effects and lower interest/dividend income.
International business group adjusted profit increased by 9.8 billion yen to 78.2 billion yen, with profit growth in Europe and Americas offsetting declines in Asia.
Net premiums written for overseas subsidiaries grew by 128.1 billion yen (+24.0% year-on-year) to 662.3 billion yen.
Domestic life insurance gross premiums income remained stable at 376.3 billion yen.
Outlook and guidance
Group adjusted profit progress rate at 35.0% of the annual forecast of 671.0 billion yen; domestic non-life at 38.9%, domestic life at 22.9%, and international at 32.1%.
Consolidated net income progress rate at 38.5% of the annual forecast of 579.0 billion yen.
FY2026 forecast: ordinary profit 806.0 billion yen (down 13.2%), net income attributable to owners 579.0 billion yen (down 16.3%), EPS 385.28 yen.
Annual dividend forecast raised to 155.00 yen per share, with a higher ordinary dividend and lower special dividend.
Earnings forecasts are subject to high uncertainty due to natural disasters and market conditions.
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Next MS&AD Insurance Group Holdings earnings date
Q2 202627 Nov, 2025
Next MS&AD Insurance Group Holdings earnings date
Q2 202627 Nov, 2025
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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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