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MS&AD Insurance Group
MS&AD Insurance Group (8725) investor relations material
MS&AD Insurance Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary13 Feb, 2026
Executive summary
Net premiums written rose by 269.2 billion yen (+7.5% year-over-year) to 3,840.4 billion yen, with strong growth in both domestic and overseas segments.
Consolidated net income increased by 31.0 billion yen year-over-year to 657.1 billion yen, surpassing the revised forecast.
Ordinary income rose 12.9% year-over-year to 5,905.3 billion yen, driven by increases in both underwriting and investment income.
Comprehensive income surged to 953.4 billion yen from 139.2 billion yen a year earlier, reflecting significant gains in other comprehensive income.
Group adjusted profit climbed by 121.8 billion yen year-over-year to 755.7 billion yen, nearly meeting the annual forecast.
Financial highlights
Underwriting income grew 12.7% year-over-year to 4,534.1 billion yen, and investment income increased 13.3% to 1,313.5 billion yen.
Domestic non-life insurance group adjusted profit increased by 24.7 billion yen year-over-year to 457.6 billion yen, driven by higher earned premiums, improved fire insurance profitability, and reduced natural catastrophe losses.
International business group adjusted profit surged by 114.8 billion yen year-over-year to 271.1 billion yen, supported by premium growth and gains from asset sales.
Net premiums written for overseas subsidiaries grew by 186.1 billion yen (+15.3% year-over-year) to 1,406.3 billion yen, with notable expansion in Lloyd's & Reinsurance and the Americas.
Net assets increased by 615.1 billion yen from March 31, 2025, reaching 4,668.0 billion yen as of December 31, 2025.
Outlook and guidance
Group adjusted profit forecast for FY2025 was revised upward by 89 billion yen to 760 billion yen, reflecting strong domestic non-life and international business performance.
Net income forecast for FY2025 was revised upward to 590.0 billion yen, with ROE expected at 14.3%.
Annual dividend forecast is 155.00 yen per share, up from 145.00 yen in the prior year.
Domestic non-life insurance net premiums written forecast was slightly revised downward, while overseas and life insurance forecasts were revised upward due to strong sales and favorable foreign exchange.
Ordinary profit for the year ending March 31, 2026, is projected at 834.0 billion yen, down 10.2% year-over-year.
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Next MS&AD Insurance Group earnings date
Q4 202619 May, 2026
MS&AD Insurance Group
Next MS&AD Insurance Group earnings date
Q4 202619 May, 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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