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Tokio Marine Holdings
Tokio Marine Holdings (8766) investor relations material
Tokio Marine Holdings 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
Adjusted net income for 3Q FY2025 (excluding business-related equities) reached JPY557.7bn, 83% of the full-year target, driven by strong international underwriting and lower capital losses in North America, with domestic P&C benefiting from rate increases and fewer natural catastrophes.
Ordinary income rose 6.8% year-over-year to ¥6,674.2 billion for the nine months ended December 31, 2025, driven by growth in both domestic and international insurance operations.
Net income attributable to owners of the parent increased 0.5% year-over-year to ¥899.2 billion, despite a 1.4% decrease in ordinary profit to ¥1,202.4 billion.
Full-year projections were revised upward: adjusted net income (excluding business-related equities) now expected at JPY752.0bn (+JPY80.0bn vs. previous), and including business-related equities at JPY1.23tn (+JPY120.0bn), reflecting lower Nat Cat losses, reduced capital losses, JPY depreciation, and higher investment income.
Net premiums written grew 7% YoY in 3Q (5% excluding FX), with international business outperforming projections, while life insurance premiums declined 1% YoY due to higher surrenders and block reinsurance.
Financial highlights
Net premiums written grew 7.3% year-over-year to ¥4,146.1 billion; deposit premiums from policyholders increased 24.4%.
Adjusted net income (excluding business-related equities) increased by JPY85.2bn YoY, mainly from decreased Nat Cat losses and strong international performance.
Adjusted net income (including business-related equities) decreased by JPY6.4bn YoY due to lower sales of equities.
Underwriting income rose 6.3% to ¥4,824.9 billion, while underwriting expenses increased 8.5% to ¥4,119.4 billion.
Investment income was up 1.3% to ¥1,601.3 billion; investment gains on separate accounts more than doubled.
Outlook and guidance
Revised full-year forecast: ordinary profit of ¥1,380.0 billion (up 12.2% from previous forecast), net income attributable to owners of the parent of ¥1,020.0 billion (up 12.1%).
Full-year adjusted net income (excluding business-related equities) revised up to JPY752.0bn, and normalized basis to JPY690.0bn, reflecting favorable FX, investment income, and lower Nat Cat losses.
Net premiums written projected at ¥5,590.0 billion and life insurance premiums at ¥930.0 billion for fiscal 2025.
Full-year net premiums written projected to rise 5% YoY (excluding FX), with international business forecasted to grow 5% YoY.
Life insurance premiums full-year forecast revised downward due to higher surrenders and block reinsurance.
What drove the FY2025 net income forecast revision?
Why did domestic non-life profit decline?
Address bond unrealized losses trend and outlook
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Next Tokio Marine Holdings earnings date
Q4 202619 May, 2026
Tokio Marine Holdings
Next Tokio Marine Holdings earnings date
Q4 202619 May, 2026
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Frequently asked questions
Tokio Marine Holdings, Inc. is a Japanese company specializing in insurance and financial services. It offers a wide range of products, including property and casualty insurance, life insurance, and reinsurance, catering to both individual and corporate clients. The company operates globally, providing customized solutions in areas such as risk management and asset protection. The company is headquartered in Tokyo, Japan, and its shares are listed on the Tokyo Stock Exchange (TSE).
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