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Sony Financial Group (8729) investor relations material
Sony Financial Group Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary7 Aug, 2025
Executive summary
Consolidated adjusted net income for Q1 FY25 was 20.3 billion yen, up 0.3 billion yen year-over-year, driven by lower auto insurance losses in non-life insurance, partially offset by higher risk adjustments in life insurance due to rising interest rates.
Ordinary revenues fell 19.4% year-over-year to 732.4 billion yen, mainly due to a sharp decline in the life insurance segment, while non-life insurance and banking revenues increased.
Ordinary loss widened to 58.6 billion yen from 15.4 billion yen a year ago, with loss attributable to owners at 43.6 billion yen versus 12.3 billion yen last year.
Annualized premiums from policies in force increased, supported by stable corporate sales and expansion of sales channels, including growth in Lifeplanners and agency supporters.
Comprehensive income was negative 39.9 billion yen, compared to negative 8.4 billion yen in the prior year.
Financial highlights
Adjusted net income for Q1 FY25: 20.3 billion yen, up from 20.0 billion yen in Q1 FY24.
Life insurance revenues dropped 22.1% year-over-year to 650.5 billion yen; ordinary loss deepened to 63.7 billion yen.
Non-life insurance revenues rose 14.3% to 48.0 billion yen; ordinary profit surged 296.7% to 3.0 billion yen.
Banking revenues increased 6.2% to 30.3 billion yen, but ordinary profit fell 51.7% to 2.9 billion yen.
Non-life insurance business benefited from a 1.6 billion yen decrease in auto insurance loss.
Outlook and guidance
FY25 adjusted net income forecast was revised downward due to higher accounting liabilities for mass lapse risk amid rising interest rates; pre-tax net income forecast remains at 60 billion yen.
No dividend declared for the fiscal year ending March 31, 2026.
Year-end dividend forecast of 25 billion yen (annualized 50 billion yen) is unchanged.
Adjusted net income is sensitive to interest rate changes, with a 10bp increase estimated to reduce annual income by 1.0-1.5 billion yen.
Purpose of the stock split and spin-off
Reason for bond reclassification and ALM strategy
Banking profit decline despite revenue growth?
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Next Sony Financial Group earnings date
Q2 202614 Nov, 2025
Next Sony Financial Group earnings date
Q2 202614 Nov, 2025
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