Tokio Marine Holdings Inc (TKOMY)
OTHER OTC:TKOMY
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Tokio Marine Holdings
(OTC:TKOMY)
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Rating:79Outperform
Price Target:
$57.00
â–²(60.52% Upside)
Action:UpgradedDate:03/27/26
Overall score is driven primarily by strong financial performance (profitability, conservative leverage, and solid cash generation). Valuation is supportive with a moderate P/E and a reasonable dividend yield. Technicals are constructive due to strong price strength versus key moving averages, but the elevated RSI suggests the stock may be overbought in the near term.
Positive Factors
Strong Profitability and Margins
Sustained high operating and net margins signal durable underwriting discipline and cost control across businesses. These margins provide a buffer through insurance cycles, fund reinvestment into distribution and risk solutions, and support consistent earnings and internal capital generation over the medium term.
Negative Factors
Investment Income Sensitivity
A substantial portion of earnings derives from investment returns on assets supporting policies. Multiyear shifts in interest rates or market returns can materially affect investment spreads and realized gains, creating structural volatility in profitability that requires active asset-liability and risk management.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability and Margins
Sustained high operating and net margins signal durable underwriting discipline and cost control across businesses. These margins provide a buffer through insurance cycles, fund reinvestment into distribution and risk solutions, and support consistent earnings and internal capital generation over the medium term.
Read all positive factors
Tokio Marine Holdings (TKOMY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$84.78B
Dividend Yield3.26%
Average Volume (3M)27.79K
Price to Earnings (P/E)12.8
Beta (1Y)0.53
Revenue Growth-1.18%
EPS Growth-7.48%
CountryUS
Employees43,870
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)0.73
Shares Outstanding1,934,000,000
10 Day Avg. Volume0
30 Day Avg. Volume27,789
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)2.23
Price to Sales (P/S)1.50
P/FCF Ratio8.60
Enterprise Value/Market Cap151.13
Enterprise Value/Revenue1.55
Enterprise Value/Gross Profit1.55
Enterprise Value/Ebitda3.24K
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.42
Revenue Forecast (FY)$55.44B
Tokio Marine Holdings Business Overview & Revenue Model
Company Description
Tokio Marine Holdings, Inc. engages in non-life and life insurance, and financial and general businesses worldwide. It operates through four segments: Domestic Non-Life Insurance, Domestic Life Insurance, International Insurance, and Financial and...
How the Company Makes Money
Tokio Marine Holdings makes money primarily through its insurance operations, which generate revenue from (1) insurance premiums, (2) investment income on the assets it holds to pay future claims, and (3) fees and other income from insurance-relat...
Tokio Marine Holdings Earnings Call Summary
Earnings Call Date:May 20, 2025
(Q4-2024)
| % Change Since: |
Next Earnings Date:May 20, 2026
Earnings Call Sentiment Positive
The earnings call presented a strong performance in fiscal 2024 with significant growth in adjusted net income and shareholder returns. However, challenges including decreased life insurance premiums, inflation impacts, and CRE loan issues were noted. The overall outlook for fiscal 2025 remains positive with projected income growth and continued equity sales.Positive Updates
Strong Fiscal 2024 Performance
Adjusted net income excluding one-off effects was JPY679.0 billion, showing a 14% year-over-year growth driven by major international businesses and favorable foreign exchange impacts.
Negative Updates
Decrease in Life Insurance Premiums
Life insurance premiums decreased by 44% from the February announcement due to block reinsurance by Anshin Life in March.
Read all updates
Q4-2024 Updates
Positive
Negative
Strong Fiscal 2024 Performance
Adjusted net income excluding one-off effects was JPY679.0 billion, showing a 14% year-over-year growth driven by major international businesses and favorable foreign exchange impacts.
Read all positive updates
Company Guidance
During the conference call for Tokio Marine's FY 2024 results and FY 2025 forecast, several key financial metrics and guidance points were discussed. The FY 2024 adjusted net income, excluding one-off effects, reached JPY679 billion, reflecting a 14% year-over-year growth, bolstered by the strong performance of international businesses and currency exchange rate impacts. The sales of business-related equities amounted to JPY922 billion, surpassing the initial forecast by JPY10 billion, contributing to an overall adjusted net income, including these gains, of JPY1.215 trillion. For FY 2025, the company projects JPY700 billion in adjusted net income, excluding equity sales gains, indicating a 3% growth over the previous year. The projected dividend per share (DPS) for FY 2024 was revised to JPY172, representing a 40% increase, and is expected to grow by 22% to JPY210 in FY 2025. The company also plans to repurchase JPY220 billion of its own shares in FY 2025. The projected sales of business-related equities for FY 2025 remain at JPY600 billion, consistent with the previous year, and the adjusted net income, including these sales, is expected to reach JPY1.1 trillion. The management emphasized the importance of consistent profit growth and shareholder returns, alongside disciplined capital management and strategic investment opportunities.Tokio Marine Holdings Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.26T | 7.58T | 7.08T | 6.31T | 5.75T | 5.32T |
| Gross Profit | 8.26T | 6.57T | 6.13T | 5.46T | 5.00T | 4.63T |
| EBITDA | 3.95B | 1.71T | 1.06T | 726.82B | 724.58B | 397.33B |
| Net Income | 1.32T | 1.06T | 695.81B | 374.61B | 420.48B | 161.80B |
Balance Sheet | ||||||
| Total Assets | 30.56T | 31.24T | 30.59T | 27.70T | 27.25T | 25.77T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 1.07T | 896.90B | 871.99B | 848.82B | 812.01B |
| Total Debt | 225.76B | 227.25B | 224.40B | 222.81B | 219.79B | 230.60B |
| Total Liabilities | 25.64T | 26.13T | 25.41T | 24.04T | 23.17T | 22.04T |
| Stockholders Equity | 4.94T | 5.08T | 5.18T | 3.63T | 4.02T | 3.67T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 1.32T | 1.05T | 982.71B | 1.07T | 1.15T |
| Operating Cash Flow | 0.00 | 1.35T | 1.07T | 1.01T | 1.10T | 1.18T |
| Investing Cash Flow | 0.00 | 164.62B | -627.65B | 18.19B | -665.44B | -731.01B |
| Financing Cash Flow | 0.00 | -1.19T | -406.20B | -1.01T | -504.63B | -512.97B |
Tokio Marine Holdings Technical Analysis
Positive
35.51
Price Trends
40.95
Positive
38.91
Positive
40.12
Positive
Market Momentum
1.70
Negative
55.06
Neutral
18.51
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TKOMY, the sentiment is Positive. The current price of 35.51 is below the 20-day moving average (MA) of 43.08, below the 50-day MA of 40.95, and below the 200-day MA of 40.12, indicating a bullish trend. The MACD of 1.70 indicates Negative momentum. The RSI at 55.06 is Neutral, neither overbought nor oversold. The STOCH value of 18.51 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TKOMY.
Tokio Marine Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $24.60B | 15.63 | 18.88% | 1.88% | 11.08% | 22.01% | |
81 Outperform | $127.94B | 12.00 | 14.69% | 1.22% | 6.68% | -1.78% | |
80 Outperform | $54.76B | 5.29 | 39.47% | 1.91% | 7.07% | 100.42% | |
79 Outperform | $84.78B | 12.77 | 20.81% | 3.26% | -1.18% | -7.48% | |
76 Outperform | $64.28B | 10.34 | 20.58% | 1.49% | 6.75% | 30.83% | |
72 Outperform | $113.56B | 11.81 | 44.53% | 2.20% | 18.35% | 32.36% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
TKOMY
Tokio Marine Holdings
44.59
9.97
28.80%
CB
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327.91
43.27
15.20%
ALL
Allstate
210.99
19.26
10.05%
PGR
Progressive
194.13
-67.45
-25.79%
TRV
Travelers Companies
297.26
50.33
20.38%
WRB
W. R. Berkley Corporation
65.70
-1.83
-2.72%
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.