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Nippon Insure Co. Ltd.
(5843)
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Rating:66Neutral
Price Target:
¥2,231.00
▼(-21.22% Downside)
Action:Reiterated
Date:03/24/26
Above-average financial performance (growth, improving margins, healthy ROE, and lower leverage) is the primary support for the score, reinforced by a reasonable valuation. These positives are tempered by weak technicals, with the stock trading below all major moving averages and bearish momentum signals.
Positive Factors
Consistent multi-year revenue growth
Nippon Insure has delivered sustained top-line expansion (annual growth ~10%–20% recently, ~16% in 2025), indicating durable demand and scale in its specialty insurance niches. Persistent revenue growth supports reserve funding, underwriting scale and reinvestment capacity over the medium term.
Negative Factors
Uneven free cash flow conversion
While 2025 FCF nearly matched net income, prior years showed weak or lagging conversion, signalling inconsistent cash conversion. For an insurer, lumpy cash flow complicates reserve funding, dividend policy and capital allocation decisions, reducing predictability for stakeholders over cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent multi-year revenue growth
Nippon Insure has delivered sustained top-line expansion (annual growth ~10%–20% recently, ~16% in 2025), indicating durable demand and scale in its specialty insurance niches. Persistent revenue growth supports reserve funding, underwriting scale and reinvestment capacity over the medium term.
Read all positive factors
Nippon Insure Co. Ltd. (5843) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥6.40B
Dividend Yield0.72%
Average Volume (3M)23.55K
Price to Earnings (P/E)9.4
Beta (1Y)0.41
Revenue Growth16.46%
EPS Growth73.89%
CountryJP
Employees107
SectorFinancial
Sector Strength70
IndustryInsurance - Specialty
Share Statistics
EPS (TTM)89.41
Shares Outstanding2,869,800
10 Day Avg. Volume14,740
30 Day Avg. Volume23,546
Financial Highlights & Ratios
PEG Ratio0.18
Price to Book (P/B)3.36
Price to Sales (P/S)2.24
P/FCF Ratio22.12
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Nippon Insure Co. Ltd. Business Overview & Revenue Model
Company Description
Nippon Insure Co., Ltd. specializes in offering financial guarantees, primarily covering rent liabilities for residential housing, as well as commercial spaces including stores and offices. Their comprehensive guarantee services also extend to var...
Nippon Insure Co. Ltd. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
78
Positive
Cash Flow
66
Positive
| Breakdown | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 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
Neutral
2832.00
Price Trends
2240.18
Negative
2338.16
Negative
2554.71
Negative
Market Momentum
-19.70
Negative
47.24
Neutral
60.73
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5843, the sentiment is Neutral. The current price of 2832 is above the 20-day moving average (MA) of 2127.20, above the 50-day MA of 2240.18, and above the 200-day MA of 2554.71, indicating a neutral trend. The MACD of -19.70 indicates Negative momentum. The RSI at 47.24 is Neutral, neither overbought nor oversold. The STOCH value of 60.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:5843.
Nippon Insure Co. Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥51.85B | 18.00 | 6.16% | 1.10% | 18.68% | 44.87% | |
71 Outperform | ¥124.85B | 15.53 | ― | ― | 14.77% | 34.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥78.07B | 22.11 | ― | 2.02% | 7.88% | 6.59% | |
66 Neutral | ¥6.40B | 9.42 | ― | 0.72% | 16.46% | 73.89% | |
63 Neutral | ¥35.37B | 8.53 | 4.94% | 4.00% | 8.60% | 46.50% | |
55 Neutral | ¥91.59B | 41.15 | ― | 0.82% | 8.75% | -28.88% |
* Financial Sector Average
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.