Nippon Insure Co. Ltd. (5843) AI Stock Analysis

• Market Cap: ¥7.43B
• Dividend Yield: 0.72%
• Average Volume (3M): 23.55K
• Price to Earnings (P/E): 13.7
• Beta (1Y): 0.25
• Revenue Growth: 16.04%
• EPS Growth: 86.97%
• Country: JP
• Employees: 107
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Specialty
• EPS (TTM): 53.74
• Shares Outstanding: 2,869,800
• 10 Day Avg. Volume: 14,740
• 30 Day Avg. Volume: 23,546
• PEG Ratio: 0.00
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 63 Neutral
• Price Target: ¥2,700.00 ▼(-4.66% Downside)

Nippon Insure Co. Ltd. has a robust financial performance, which is the most significant factor supporting its stock score. However, bearish technical indicators and a low dividend yield weigh down the overall score. The absence of earnings call data and corporate events limits additional insights.

Positive Factors

Revenue Growth

Consistent revenue growth indicates robust demand for Nippon Insure's products, enhancing its market position and long-term sustainability.

Profitability

Improved net profit margins suggest effective cost management and operational efficiency, supporting long-term financial health.

Balance Sheet Health

A stable balance sheet with prudent leverage ensures financial stability and the ability to invest in growth opportunities.

Negative Factors

Free Cash Flow Volatility

Volatility in free cash flow can impact the company's ability to fund operations and growth initiatives consistently.

Debt Levels

Rising debt levels, if unchecked, could strain financial resources and limit strategic flexibility.

Dividend Yield

A low dividend yield may deter income-focused investors, potentially limiting the attractiveness of the stock to a broader investor base.

Nippon Insure Co. Ltd. Business Overview & Revenue Model

Company Description

Nippon Insure Co. Ltd. (5843) is a prominent insurance provider based in Japan, specializing in a wide array of insurance services. The company operates primarily in the life and non-life insurance sectors, offering products such as life insurance, health insurance, property and casualty insurance, and automobile insurance. With a strong emphasis on customer-centric solutions, Nippon Insure aims to cater to both individual and corporate clients, ensuring comprehensive risk management and financial security.

How the Company Makes Money

Nippon Insure generates revenue primarily through the collection of premiums from its various insurance products. The company earns money by underwriting policies, which involves assessing risk and setting appropriate premium rates for its customers. Key revenue streams include life insurance premiums, non-life insurance premiums (such as auto and property insurance), and investment income generated from the premiums collected. Additionally, Nippon Insure may have partnerships with financial institutions and corporations, allowing them to offer bundled insurance products or financial services, which can further enhance their earnings. Investment gains from managing the reserves held for future claims also contribute significantly to their overall revenue.

Nippon Insure Co. Ltd. Financial Statement Overview

Summary

Nippon Insure Co. Ltd. presents a strong financial profile with impressive revenue growth, solid profitability, and a robust balance sheet. The company effectively manages its leverage and demonstrates strong cash flow generation. While the financials are largely positive, careful monitoring of liabilities is advisable to maintain financial stability.

Income Statement

Nippon Insure Co. Ltd. demonstrates strong revenue growth with a 11.87% increase from the previous year, and a consistent upward trajectory over the past few years. The gross profit margin is robust at 68.74%, indicating effective cost management. Net profit margin has improved to 8.69%, reflecting enhanced profitability. EBIT and EBITDA margins are solid at 12.73% and 13.92%, respectively, showcasing operational efficiency. Overall, the company exhibits strong revenue growth and profitability.

Balance Sheet

The company maintains a healthy balance sheet with a low debt-to-equity ratio of 0.25, suggesting conservative leverage. Return on equity is impressive at 14.16%, indicating efficient use of equity capital. The equity ratio stands at 42.98%, reflecting a stable capital structure. While the balance sheet is strong, the relatively high total liabilities could pose a risk if not managed carefully.

Cash Flow

Nippon Insure Co. Ltd. shows a significant improvement in free cash flow, with a growth rate of 350.07% year-over-year. The operating cash flow to net income ratio is 0.70, indicating solid cash generation relative to net income. The free cash flow to net income ratio is 0.52, demonstrating effective conversion of income to cash. Overall, the cash flow position is strong, supporting the company's growth and operational needs.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.74B	3.22B	2.88B	2.61B	2.17B
Gross Profit	2.34B	3.22B	2.88B	2.61B	2.17B
EBITDA	813.05M	448.91M	332.91M	443.51M	203.89M
Net Income	528.47M	280.12M	196.88M	255.39M	105.19M
Balance Sheet
Total Assets	5.34B	4.60B	3.41B	2.91B	2.26B
Cash, Cash Equivalents and Short-Term Investments	2.76B	2.46B	1.73B	1.62B	1.33B
Total Debt	494.92M	503.18M	502.22M	403.73M	342.38M
Total Liabilities	2.84B	2.62B	2.31B	2.01B	1.60B
Stockholders Equity	2.49B	1.98B	1.10B	905.61M	651.91M
Cash Flow
Free Cash Flow	378.97M	145.17M	32.24M	256.13M	143.34M
Operating Cash Flow	383.75M	196.63M	64.11M	278.11M	190.25M
Investing Cash Flow	-65.07M	-59.41M	-53.48M	-27.17M	-57.12M
Financing Cash Flow	-19.30M	593.50M	98.50M	39.41M	98.77M

Nippon Insure Co. Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2832.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5843, the sentiment is Negative. The current price of 2832 is above the 20-day moving average (MA) of 2675.00, above the 50-day MA of 2746.26, and above the 200-day MA of 2373.64, indicating a neutral trend. The MACD of -49.90 indicates Positive momentum. The RSI at 41.94 is Neutral, neither overbought nor oversold. The STOCH value of 41.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:5843.

Nippon Insure Co. Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7325	73 Outperform	¥7.74B	19.29	―	2.85%	12.33%	-15.46%
7343	71 Outperform	¥7.42B	22.47	―	3.41%	0.61%	-11.34%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8700	65 Neutral	¥6.57B	12.51	―	3.66%	4.48%	19.69%
5843	63 Neutral	¥7.43B	13.74	―	0.72%	16.04%	86.97%
7345	53 Neutral	¥2.14B	787.34	―	0.62%	1.87%	51.81%
8798	38 Underperform	¥5.91B	-2.23	―	―	-16.91%	28.05%