Tokio Marine Holdings (TKOMY) AI Stock Analysis

• Market Cap: $70.15B
• Dividend Yield: 3.26%
• Average Volume (3M): 27.79K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.70
• Revenue Growth: -1.18%
• EPS Growth: -7.48%
• Country: US
• Employees: 43,870
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 0.73
• Shares Outstanding: 1,934,000,000
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 27,789
• PEG Ratio: 0.20
• Price to Book (P/B): 2.23
• Price to Sales (P/S): 1.50
• P/FCF Ratio: 8.60
• Enterprise Value/Market Cap: 150.28
• Enterprise Value/Revenue: 1.28
• Enterprise Value/Gross Profit: 1.28
• Enterprise Value/Ebitda: 2.67K
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $40.00 ▲(12.64% Upside)

Tokio Marine Holdings' strong financial performance and attractive valuation are significant strengths, contributing positively to the overall score. However, the current bearish technical indicators suggest potential short-term challenges, impacting the overall stock score.

Positive Factors

Revenue Growth

Consistent revenue growth over five years indicates a strong market position and effective business strategies, supporting long-term stability.

Cash Flow Strength

Strong cash flow growth enhances financial flexibility, enabling strategic investments and resilience against market fluctuations.

Profit Margins

Improved profit margins reflect effective cost management and operational efficiency, which are crucial for sustained profitability.

Negative Factors

Asset Utilization

Suboptimal asset utilization may limit return on investment, suggesting a need for better resource allocation and efficiency improvements.

Equity Ratio

While a strong equity base is positive, a low equity ratio can indicate potential vulnerability to financial shocks if not managed carefully.

Revenue Diversification

Lack of diversified revenue streams may expose the company to sector-specific risks, underscoring the need for strategic diversification.

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 Other. The company offers fire and allied lines, hull and cargo, health, personal accident, automobile, and other insurance products, as well as asset management services. It also provides investment advisory, investment trust, staffing, facility management, and nursing care services. The company was formerly known as Millea Holdings, Inc. and changed its name to Tokio Marine Holdings, Inc. in 2008. Tokio Marine Holdings, Inc. was incorporated in 2002 and is headquartered in Tokyo, Japan.

How the Company Makes Money

Tokio Marine generates revenue primarily through its insurance premiums, which are collected from policyholders for various insurance products. The company earns significant income from premium collections in its property and casualty insurance segments. In addition to premiums, Tokio Marine also generates revenue through investment income from the premiums it collects, which are invested in various financial instruments. Furthermore, Tokio Marine's life insurance segment contributes to its revenue through premium payments for life policies and annuities. The company has established partnerships and alliances with other financial institutions and businesses, enhancing its distribution channels and expanding its market reach. Moreover, Tokio Marine benefits from its diverse geographical footprint, allowing it to tap into different markets and mitigate risks associated with economic fluctuations in specific regions.

Tokio Marine Holdings Financial Statement Overview

Summary

Tokio Marine Holdings demonstrates strong financial performance with consistent revenue growth, improved net profit margins, and robust operational efficiency. The balance sheet is solid with low leverage, and cash flow is healthy, indicating excellent financial health.

Income Statement

Tokio Marine Holdings has demonstrated a strong and consistent revenue growth trajectory over the past five years, with a notable 7.12% increase in the most recent year. The company's net profit margin has improved significantly, reaching 13.91%, indicating effective cost management and profitability. The EBIT and EBITDA margins are robust at 19.47% and 22.61%, respectively, showcasing operational efficiency. While the company is excelling in profitability, continued focus on diversifying revenue streams could further enhance stability.

Balance Sheet

The balance sheet of Tokio Marine Holdings reflects a solid financial structure with a low debt-to-equity ratio of 0.045, indicating conservative leverage use. The equity ratio stands at 16.25%, suggesting a strong equity base relative to total assets. Return on equity has been impressive at 20.79%, driven by strong net income performance. However, there is room for improvement in further optimizing asset utilization to enhance returns.

Cash Flow

Tokio Marine Holdings shows a healthy cash flow position with consistent growth in free cash flow, demonstrating strong cash generation capabilities. The free cash flow growth rate of 25.42% over the past year is a positive indicator of financial flexibility. Additionally, the operating cash flow to net income ratio of 1.27 signifies efficient cash conversion. The company should continue to focus on efficient capital allocation to maintain and enhance its cash flow stability.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
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

• Technical Analysis Sentiment: Negative
• Last Price: 35.51
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TKOMY, the sentiment is Negative. The current price of 35.51 is below the 20-day moving average (MA) of 37.45, below the 50-day MA of 36.80, and below the 200-day MA of 39.90, indicating a neutral trend. The MACD of -0.12 indicates Positive momentum. The RSI at 47.07 is Neutral, neither overbought nor oversold. The STOCH value of 54.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TKOMY.

Tokio Marine Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CB	80 Outperform	$122.49B	12.99	14.06%	1.22%	6.68%	-1.78%
PGR	76 Outperform	$119.06B	10.56	―	2.20%	18.35%	32.36%
TRV	76 Outperform	$63.71B	10.41	20.70%	1.49%	6.75%	30.83%
ALL	74 Outperform	$52.54B	6.50	34.63%	1.91%	7.07%	100.42%
WRB	71 Outperform	$25.75B	15.23	19.67%	1.88%	11.08%	22.01%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TKOMY	67 Neutral	$70.15B	9.98	19.96%	3.26%	-1.18%	-7.48%