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Sompo Holdings (8630) investor relations material
Sompo Holdings Status Update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Status Update summary25 Nov, 2025
Progress on Financial and Strategic Targets
EPS growth is surpassing expectations, with a CAGR of 18% projected and ROE improving toward the 13–15% target, with further enhancement targeted.
Adjusted consolidated profit for FY2025 is forecast at ¥440.0 bn, significantly above the initial forecast, and all KPIs for FY2025 are expected to surpass initial forecasts.
Combined ratio and adjusted profit are improving, with domestic P&C KPIs exceeding targets and a combined ratio forecast at 95.6% for FY2025.
Strategic shareholding sales target increased to JPY 250 billion for FY2025, supporting capital recycling and future M&A.
Medium-term goals include JPY 500 billion adjusted profit and JPY 6 trillion market cap by fiscal 2030, with discussions on achieving these earlier.
Operational and Cultural Transformation
Integration of Japan and overseas P&C operations has created a unified management structure, enhancing negotiation power and efficiency.
Operational efficiencies are being realized through system integration, vendor rationalization, and a JPY 30 billion cost-saving target over three years.
Corporate culture is shifting toward underwriting discipline, data-driven decision-making, and increased investment in human capital, including a new stock compensation plan for up to 50,000 employees.
75% of 183 business improvement initiatives have reached effect-lasting status, supporting sustainable growth.
Digital, data, and AI transformation (DDAX) is underway, with AI agent tools to be introduced group-wide by end-FY2025.
Investment and Capital Management
Capital is managed with an ESR of 251% as of September 2025, ensuring readiness for further growth investments.
Shareholder returns are set to accelerate, with 12 consecutive years of dividend increases and a payout ratio rising to 37%.
A new investment committee is optimizing strategic asset allocation, targeting up to $50 million in pre-tax profit enhancement.
Sale of strategic shareholdings is being accelerated, with proceeds balanced between growth investments and shareholder returns.
Capital available for investment post-Aspen is JPY 0.9 trillion, with an additional JPY 1 trillion expected in 18 months.
Future growth investment focus beyond Aspen
How to sustain domestic P&C profitability post-SJ-R
DDAX's role in Wellbeing's 'Connect & Be Connected'
Future M&A capital allocation strategy?
Domestic P&C inflation response and pricing agility?
ROE target: How to balance capital and growth?
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Next Sompo Holdings earnings date
Q3 202613 Feb, 2026
Next Sompo Holdings earnings date
Q3 202613 Feb, 2026
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Frequently asked questions
Sompo Holdings, Inc. is a Japanese insurance and financial services company offering a range of products and solutions. The company specializes in property and casualty insurance, life insurance, and nursing care services. It provides coverage and risk management solutions for individuals and businesses, addressing areas such as auto, home, and commercial insurance. The company is headquartered in Tokyo, Japan, and its shares are listed on the Tokyo Stock Exchange (TSE).
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