T&D Holdings (8795) AI Stock Analysis

• Market Cap: $1.83T
• Dividend Yield: 2.24%
• Average Volume (3M): 1.60M
• Price to Earnings (P/E): 14.2
• Beta (1Y): 1.11
• Revenue Growth: -2.35%
• EPS Growth: 17.94%
• Country: JP
• Employees: 20,408
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 73.35
• Shares Outstanding: 544,000,000
• 10 Day Avg. Volume: 1,759,880
• 30 Day Avg. Volume: 1,604,830
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.95
• Enterprise Value/Revenue: 0.48
• Enterprise Value/Gross Profit: 0.48
• Enterprise Value/Ebitda: 10.21
• 1Y Price Target: $4,334.86
• Price Target Upside: 19.45% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 71 Outperform
• Price Target: ¥4,338.00 ▲(19.54% Upside)

T&D Holdings receives a score of 71, driven by strong technical indicators and a reasonable valuation. The company's financial performance is mixed, with a strong balance sheet but concerns over cash flow and profitability. The lack of earnings call and corporate events data did not impact the score.

T&D Holdings Business Overview & Revenue Model

Company Description

T&D Holdings (8795) is a prominent Japanese financial services group primarily engaged in the insurance sector. The company operates through several subsidiaries, focusing on life insurance, non-life insurance, and asset management services. T&D Holdings aims to enhance the financial well-being of individuals and businesses by offering a diverse portfolio of insurance products, including life, health, and property insurance, as well as investment solutions tailored to meet the evolving needs of its clients.

How the Company Makes Money

T&D Holdings generates revenue primarily through the sale of insurance products and services. The company earns money from premiums collected on life and non-life insurance policies, which form a significant portion of its revenue. Additionally, T&D Holdings benefits from investment income generated from the premiums received, as these funds are invested in various financial instruments to yield returns. The company also engages in asset management, offering investment products and services to individuals and institutions, which contributes further to its revenue streams. Strategic partnerships with other financial institutions and agencies enhance its distribution capabilities, allowing T&D Holdings to reach a broader customer base and maintain a competitive edge in the market.

T&D Holdings Financial Statement Overview

Summary

T&D Holdings shows a mixed financial performance. The balance sheet is strong with low leverage and a healthy equity ratio. However, the income statement reveals challenges in profitability and revenue growth, and cash flow issues are a significant concern, indicating potential liquidity risks.

Income Statement

T&D Holdings has shown a mixed performance in its income statement. The company has maintained a high gross profit margin, indicating strong revenue generation relative to cost. However, the net profit margin has been relatively low and volatile, reflecting challenges in controlling expenses or other operational inefficiencies. Revenue growth has been inconsistent, with a notable decline in the most recent year, which could be a concern for future profitability. EBIT and EBITDA margins have improved over time, suggesting some operational improvements.

Balance Sheet

The balance sheet of T&D Holdings is relatively strong, with a low debt-to-equity ratio indicating conservative leverage and financial stability. The return on equity has shown improvement, suggesting better utilization of shareholder funds, although it remains moderate. The equity ratio is healthy, reflecting a solid capital structure with a significant portion of assets financed by equity.

Cash Flow

Cash flow performance has been a weak point for T&D Holdings. The company has experienced negative operating and free cash flows in recent years, which could indicate liquidity challenges. The free cash flow to net income ratio is positive, suggesting that the company is generating cash relative to its net income, but the overall negative cash flow trend is concerning. The operating cash flow to net income ratio has been inconsistent, further highlighting cash flow management issues.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.61T	2.89T	2.30T	2.51T	2.18T	2.13T
Gross Profit	3.61T	2.34T	2.30T	2.24T	1.75T	2.37T
EBITDA	171.10B	192.98B	157.54B	-81.06B	21.00B	138.61B
Net Income	126.41B	126.41B	98.78B	-132.15B	14.18B	108.51B
Balance Sheet
Total Assets	16.62T	16.62T	17.21T	16.77T	17.81T	17.88T
Cash, Cash Equivalents and Short-Term Investments	778.68B	778.68B	1.14T	1.14T	890.67B	1.02T
Total Debt	186.34B	127.99B	127.99B	126.00B	162.00B	163.00B
Total Liabilities	15.31T	15.31T	15.80T	15.78T	16.42T	16.32T
Stockholders Equity	1.30T	1.30T	1.40T	987.17B	1.38T	1.49T
Cash Flow
Free Cash Flow	0.00	-379.46B	247.25B	-329.92B	-404.87B	489.40B
Operating Cash Flow	0.00	-359.87B	262.75B	-307.63B	-396.88B	500.49B
Investing Cash Flow	0.00	94.27B	-180.25B	665.96B	283.20B	-261.46B
Financing Cash Flow	0.00	-87.34B	-79.23B	-106.58B	-57.75B	-72.13B

T&D Holdings Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 3629.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8795, the sentiment is Neutral. The current price of 3629 is below the 20-day moving average (MA) of 3822.65, below the 50-day MA of 3777.04, and above the 200-day MA of 3205.00, indicating a neutral trend. The MACD of -52.73 indicates Positive momentum. The RSI at 37.58 is Neutral, neither overbought nor oversold. The STOCH value of 12.33 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8795.

T&D Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8795	71 Outperform	$1.83T	14.23	9.22%	2.24%	-2.35%	17.94%
7181	70 Outperform	1.50T	11.44	3.81%	2.49%	-6.70%	58.89%
7163	67 Neutral	734.93B	26.75	16.55%	0.39%	23.73%	12.39%
7326	65 Neutral	37.26B	17.42	―	1.53%	9.57%	56.23%
7157	64 Neutral	163.89B	26.08	6.51%	―	22.42%	5.10%
8750	64 Neutral	4.40T	12.91	―	2.86%	-10.49%	-9.62%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

T&D Holdings Corporate Events

T&D Holdings Completes Treasury Share Acquisition

T&D Holdings, Inc. has completed the acquisition of 2,265,800 treasury shares, amounting to approximately 6.25 billion yen, as part of a resolution passed by the board of directors in May 2024. This strategic move, executed through open-market repurchase, aims to enhance shareholder value and optimize capital structure, reflecting the company’s commitment to efficient capital management.