Sony Financial Group
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Sony Financial Group (8729) investor relations material

Sony Financial Group Q3 2026 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2026 earnings summary13 Feb, 2026

Executive summary

  • Group consolidated adjusted net income rose 10% year-over-year to ¥76.0 billion, driven by growth in life and non-life insurance, despite a decline in banking.

  • Ordinary revenues rose 10.0% year-over-year to ¥2,559.6 billion, with significant gains in life and non-life insurance, while banking profit declined.

  • Ordinary profit surged 82.6% year-over-year to ¥98.6 billion, and profit attributable to owners rose 83.9% to ¥67.1 billion.

  • Life insurance new policy acquisitions in the corporate segment remained strong, with both Lifeplanner and agency channels expanding.

  • Non-life insurance saw higher adjusted net income and profitability due to fewer natural disasters and effective cost control.

Financial highlights

  • Consolidated ordinary revenues increased 10.0% YoY to ¥2,559.6 billion.

  • Ordinary profit surged 82.6% YoY to ¥98.6 billion, and profit attributable to owners rose 83.9% YoY to ¥67.1 billion.

  • Comprehensive income for the nine months was ¥51,881 million, up 62.2% YoY.

  • Total assets as of December 31, 2025, were ¥24,511.2 billion, up 4.9% from March 31, 2025.

  • Life insurance business adjusted net income reached ¥61.1 billion, non-life insurance ¥7.1 billion, and banking ¥9.7 billion for FY25.Q3 YTD.

Outlook and guidance

  • FY25 group consolidated adjusted net income forecast revised downward by ¥4.0 billion to ¥94.0 billion, mainly due to changes in insurance assumptions at Sony Life.

  • Forecast for the fiscal year ending March 31, 2026: ordinary profit of ¥79.0 billion (down 76.0%), profit attributable to owners of the parent of ¥50.0 billion (down 36.5%), and basic EPS of ¥7.09.

  • Year-end dividend forecast remains at ¥25.0 billion (¥50.0 billion annualized), with dividend per share for the half year revised from ¥3.5 to ¥3.8.

  • Dividend forecast for the year is ¥3.80 per share.

  • No forecast provided for ordinary revenues due to market-driven volatility in separate account investment income.

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