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T&D Holdings (JP:8795)
:8795
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T&D Holdings (8795) AI Stock Analysis

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JP:8795

T&D Holdings

(OTC:8795)

Rating:71Outperform
Price Target:
¥4,338.00
▲(10.64% 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 (8795) vs. iShares MSCI Japan ETF (EWJ)

T&D Holdings Business Overview & Revenue Model

Company DescriptionT&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 MoneyT&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
65
Positive
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
72
Positive
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
55
Neutral
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue3.61T2.89T2.30T2.51T2.18T2.13T
Gross Profit3.61T2.34T2.30T2.24T1.75T2.37T
EBITDA171.10B192.98B157.54B-81.06B21.00B138.61B
Net Income126.41B126.41B98.78B-132.15B14.18B108.51B
Balance Sheet
Total Assets16.62T16.62T17.21T16.77T17.81T17.88T
Cash, Cash Equivalents and Short-Term Investments778.68B778.68B1.14T1.14T890.67B1.02T
Total Debt186.34B127.99B127.99B126.00B162.00B163.00B
Total Liabilities15.31T15.31T15.80T15.78T16.42T16.32T
Stockholders Equity1.30T1.30T1.40T987.17B1.38T1.49T
Cash Flow
Free Cash Flow0.00-379.46B247.25B-329.92B-404.87B489.40B
Operating Cash Flow0.00-359.87B262.75B-307.63B-396.88B500.49B
Investing Cash Flow0.0094.27B-180.25B665.96B283.20B-261.46B
Financing Cash Flow0.00-87.34B-79.23B-106.58B-57.75B-72.13B

T&D Holdings Technical Analysis

Technical Analysis Sentiment
Positive
Last Price3921.00
Price Trends
50DMA
3608.48
Positive
100DMA
3355.13
Positive
200DMA
3115.38
Positive
Market Momentum
MACD
70.68
Positive
RSI
58.01
Neutral
STOCH
44.57
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8795, the sentiment is Positive. The current price of 3921 is above the 20-day moving average (MA) of 3913.45, above the 50-day MA of 3608.48, and above the 200-day MA of 3115.38, indicating a bullish trend. The MACD of 70.68 indicates Positive momentum. The RSI at 58.01 is Neutral, neither overbought nor oversold. The STOCH value of 44.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8795.

T&D Holdings Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
71
Outperform
¥2.01T15.639.22%2.08%-2.35%17.94%
68
Neutral
$18.06B11.9710.24%3.74%9.75%1.30%
$30.48B13.579.18%2.73%
€227.40M17.255.13%
70
Outperform
¥1.50T11.39
2.50%-6.70%58.89%
67
Neutral
¥734.93B26.75
0.39%23.73%12.39%
64
Neutral
¥171.93B27.36
22.42%5.10%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8795
T&D Holdings
3,934.00
1,651.21
72.33%
DCNSF
Dai-ichi Life Holdings
8.26
1.55
23.10%
DE:EEW
SBI Insurance Group Co., Ltd.
9.00
3.46
62.45%
JP:7157
Lifenet Insurance Company
2,140.00
493.00
29.93%
JP:7163
SBI Sumishin Net Bank Ltd
4,875.00
1,904.85
64.13%
JP:7181
JAPAN POST INSURANCE Co., Ltd.
4,198.00
1,578.60
60.27%

T&D Holdings Corporate Events

T&D Holdings Completes Treasury Share Acquisition
Apr 14, 2025

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.

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.Date of analysis: Aug 29, 2025