T&D Holdings (8795) AI Stock Analysis

• Market Cap: $1.66T
• Dividend Yield: 2.47%
• Average Volume (3M): 1.88M
• Price to Earnings (P/E): 13.4
• Beta (1Y): 1.10
• Revenue Growth: 7.47%
• EPS Growth: 58.38%
• Country: JP
• Employees: 20,408
• Sector: Financial
• Sector Strength: 76
• Industry: Insurance - Life
• EPS (TTM): 14.20
• Shares Outstanding: 544,000,000
• 10 Day Avg. Volume: 1,273,820
• 30 Day Avg. Volume: 1,877,373
• PEG Ratio: <0.01
• Price to Book (P/B): 0.93
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -2.77
• 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: $3,887.52
• Price Target Upside: 20.43% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 64 Neutral
• Price Target: ―

T&D Holdings exhibits strong revenue growth and improving operational efficiency, contributing positively to its financial performance. However, cash flow management and historical leverage are areas of concern. The technical analysis presents a mixed picture, with potential bearish momentum offset by some buying signals. Valuation metrics are favorable, indicating potential upside. Overall, while the stock shows promise, careful monitoring of financial stability and market trends is advised.

T&D Holdings Business Overview & Revenue Model

Company Description

T&D Holdings, Inc., through its subsidiaries, provides life insurance products and services primarily in Japan. It offers comprehensive coverage, including death benefit and medical/nursing care products through in-house sales representatives for household customers; term life insurance, disability insurance, etc. through in-house sales representatives and agents for small and medium enterprises; and savings and protection type products through financial institutions and insurance shops for independent insurance agent market, as well as pet and family insurance. The company also provides policy holder confirmation services; insurance agency services; survey and research services for health and medical care; investment management, advisory, and trust services; and leasing and credit guarantee services. In addition, it offers life insurance policy clerical services, including drafting, amendment, custody and distribution of documents, and delivery of securities; and computer software and system services. The company was incorporated in 2004 and is headquartered in Tokyo, Japan.

How the Company Makes Money

T&D Holdings generates revenue primarily through its life insurance business. The company collects premiums from policyholders in exchange for providing insurance coverage, which forms the bulk of its income. This includes premiums from individual and group life insurance policies, annuities, and health insurance products. Additionally, T&D Holdings invests a portion of the premiums collected in various financial instruments, such as bonds, stocks, and real estate, to generate investment income. The company also benefits from strategic partnerships and collaborations within the financial sector, which enhance its product offerings and distribution channels. Overall, T&D Holdings' revenue model is centered around delivering comprehensive insurance solutions while leveraging investment activities to maximize returns.

T&D Holdings Financial Statement Overview

Summary

T&D Holdings has demonstrated strong revenue growth and improved operational efficiency, reflected in the rising EBIT margin. The balance sheet shows stability with a reasonable debt-to-equity ratio, although historical leverage could pose future risks. Cash flow management remains a concern due to fluctuating free cash flow and incomplete operating cash flow data for TTM. Overall, the financial performance suggests a positive trend, but careful monitoring is necessary.

Income Statement

T&D Holdings has shown strong revenue growth in recent periods, with a notable increase in total revenue from the previous year. The gross profit margin is robust, reflecting efficient cost management. However, the net profit margin shows some fluctuation, with periods of negative net income in the past, indicating volatility in profitability. The EBIT margin has improved significantly in the TTM (Trailing-Twelve-Months), suggesting better operational efficiency.

Balance Sheet

The balance sheet of T&D Holdings indicates a stable financial structure with a reasonable debt-to-equity ratio. The company has maintained a healthy level of equity relative to its assets, illustrating strong financial stability. However, the previous periods showed a higher leverage which could pose a risk if not managed properly. The return on equity has improved over time, aligning with the company's profitability recovery.

Cash Flow

Cash flow analysis reveals fluctuating free cash flow, impacted by variable operating cash flows and capital expenditures. In the most recent periods, free cash flow has been positive, but the lack of operating cash flow data for TTM suggests potential inconsistencies. The free cash flow to net income ratio is not calculable for TTM, which affects the overall cash flow assessment.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
2.78T	2.96T	2.49T	2.13T	1.70T	2.21T
	Gross Profit
2.82T	0.00	2.30T	2.13T	1.70T	2.21T
	EBIT
1.98T	-339.96B	135.09B	-127.26B	794.00M	168.82B
	EBITDA
210.89B	171.11B	156.11B	-81.06B	44.83B	158.45B
	Net Income Common Stockholders
153.11B	126.41B	98.78B	-132.15B	14.18B	162.32B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
839.93B	0.00	1.14T	1.14T	890.67B	1.02T
	Total Assets
17.16T	16.62T	17.21T	16.77T	17.81T	17.88T
	Total Debt
150.00B	127.99B	127.99B	126.00B	162.00B	163.00B
	Net Debt
-689.93B	-1.78T	-1.01T	-1.01T	-728.67B	-857.25B
	Total Liabilities
15.72T	15.31T	15.80T	15.78T	16.42T	16.32T
	Stockholders Equity
1.44T	1.30T	1.40T	987.17B	1.38T	1.55T
Cash Flow		Free Cash Flow
0.00	-379.47B	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	59.09B	-318.71B	665.96B	283.20B	-261.46B
	Financing Cash Flow
0.00	-85.74B	-79.23B	-106.58B	-57.75B	-72.13B

T&D Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3228.00
• 50DMA: Positive
• 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 Positive. The current price of 3228 is below the 20-day moving average (MA) of 3307.30, above the 50-day MA of 3082.47, and above the 200-day MA of 2814.12, indicating a neutral trend. The MACD of 28.88 indicates Positive momentum. The RSI at 49.91 is Neutral, neither overbought nor oversold. The STOCH value of 12.98 is Positive, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	$12.73B	9.92	7.90%	78.88%	12.06%	-7.95%
8795	64 Neutral	$1.66T	13.40	9.22%	2.47%	7.47%	58.38%
DCNSF		$27.36B	9.89	11.52%	3.18%	―	―
EEW		€185.03M	15.12	4.69%	1.94%	―	―
7163	70 Outperform	¥735.68B	26.16		0.41%	―	―
7181	59 Neutral	¥1.18T	10.21		3.16%	23.94%	22.80%
7157	54 Neutral	¥184.97B	30.39		―	24.65%	102.08%

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.