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Sony Financial Group (8729) investor relations material
Sony Financial Group Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary14 Nov, 2025
Executive summary
Group consolidated adjusted net income for FY25.1H was ¥45.9 billion, down 4.8% year-over-year, mainly due to lower adjusted net income in the life insurance segment.
Ordinary revenues rose 19.4% YoY to ¥1,532.4 billion, driven by growth in all major business segments.
The period saw an ordinary loss of ¥19.3 billion, reversing from a ¥25.6 billion profit a year earlier, mainly due to losses in life insurance and banking.
Net loss attributable to owners was ¥17.4 billion, compared to a ¥17.8 billion profit in the prior year.
Progress rates against the revised forecast are 47% for FY25.1H and 26% for FY25.Q2, tracking close to plan.
Financial highlights
Consolidated ordinary revenues (J-GAAP) rose 19.4% YoY to ¥1,532.4 billion, driven by all major business segments.
Consolidated ordinary loss was ¥19.3 billion, compared to a profit of ¥25.6 billion in the prior year, due to declines in life insurance and banking profits.
Loss attributable to owners was ¥17.4 billion, versus a profit of ¥17.8 billion YoY.
Life insurance segment saw ordinary revenues up 20.6% YoY to ¥1,369.8 billion, but posted an ordinary loss of ¥31.7 billion due to deteriorated gains/losses on securities sales and bond sales for ALM.
Non-life insurance segment ordinary profit increased 111.6% YoY to ¥6.0 billion, with a lower loss ratio from fewer natural disasters.
Outlook and guidance
FY25 group consolidated adjusted net income forecast remains at ¥98.0 billion.
FY25 year-end dividend forecast is ¥25.0 billion (¥50.0 billion annualized).
Forecast for the year ending March 31, 2026: ordinary profit of ¥122.0 billion (up 171.8%), net profit of ¥82.0 billion (up 4.1%), and basic EPS of ¥11.47.
Group consolidated revenue forecast for FY25 is ¥1 trillion, with pre-tax net income forecast at ¥60.0 billion.
No forecast provided for ordinary revenues due to market-driven volatility in separate account investment income.
Impact of ALM rebalancing on life insurance profit
How do subsequent events align with capital strategy
Implications of held-to-maturity bond reclassification
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Next Sony Financial Group earnings date
Q3 202613 Feb, 2026
Next Sony Financial Group earnings date
Q3 202613 Feb, 2026
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