MS&AD Insurance Group HoldingsMS&AD Insurance Group Holdings, Inc.8725東証プライム保険業FY ending Mar 2026, consolidated, IFRS

MS&AD Insurance Group Holdings FY ending Mar 2025 results

About 18% of MS&AD Insurance Group Holdings's ordinary revenue comes from Overseas subsidiaries and affiliates, with Mitsui Sumitomo Insurance Co., Ltd. and Overseas insurance subsidiary making up much of the rest.

Out of every ¥100 of ordinary revenue, about ¥16 is left as ordinary profit.

Ordinary revenue changed +19.1% from the prior year, ordinary profit +123.1%.

Revenue and profit pattern

Revenue and profit upProfit grew faster

Revenue +1.3% · profit +123.1%, calculated from disclosed figures.

Operating leverage: 92.01× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2024 → FY ending Mar 2025

Revenue
+19.1%¥5T → ¥5.95T
Net income attributable to owners
-18.7%¥369.3B → ¥300.2B
Operating cash flow
+28.7%¥549.5B → ¥707.4B
Free cash flow
+33.0%¥464.5B → ¥617.8B

Where the money goes

FY ending Mar 2024 → FY ending Mar 2025

※ Segment revenues include inter-segment sales and are scaled to consolidated revenue

Where ¥100 of ordinary revenue goes

For every ¥100 of ordinary revenue (a bank's or insurer's top line) MS&AD Insurance Group Holdings earns, how much goes where, and how much is kept.

FY ending Mar 2025
Ordinary expenses
¥84
Ordinary profit
¥16
Net profit kept
¥5

Annual margin trends

Ordinary margin13.9%
FY ending Mar 2020: 3.1%3.1%FY ending Mar 2021: 6.3%6.3%FY ending Mar 2022: 7.6%7.6%FY ending Mar 2023: 5.6%5.6%FY ending Mar 2024: 6.3%6.3%FY ending Mar 2025: 13.9%13.9%FY20FY21FY22FY23FY24FY25
Net margin4.5%
FY ending Mar 2020: 2.8%2.8%FY ending Mar 2021: 3.0%3.0%FY ending Mar 2022: 5.1%5.1%FY ending Mar 2023: 4.0%4.0%FY ending Mar 2024: 5.6%5.6%FY ending Mar 2025: 4.5%4.5%FY20FY21FY22FY23FY24FY25

Aligned fiscal years compare the shares of revenue remaining as gross, core, and net profit. Missing years are left unconnected.

Which businesses earn the money

Revenue by business segment, and the profit each one keeps.

FY ending Mar 2025
  • Overseas subsidiaries and affiliates¥2.12T
    18%
  • Mitsui Sumitomo Insurance Co., Ltd.¥1.8T
    15%
  • Overseas insurance subsidiary¥1.68T
    14%
  • Mitsui Sumitomo Insurance Co., Ltd.¥1.63T
    14%
  • Aioi Nissay Dowa Insurance Co., Ltd.¥1.34T
    11%
  • Aioi Nissay Dowa Insurance Co., Ltd.¥1.33T
    11%
  • Mitsui Sumitomo Primary Life Insurance Co., Ltd.¥1.18T
    10%
  • Mitsui Sumitomo Aioi Life Insurance Co., Ltd.¥463.2B
    4%
  • Mitsui Sumitomo Aioi Life Insurance Co., Ltd.¥252.5B
    2%
  • Mitsui Sumitomo Primary Life Insurance Co., Ltd.¥108B
    1%
  • Mitsui Direct General Insurance Co., Ltd.¥37.5B
    0%
  • Mitsui Direct General Insurance Co., Ltd.¥35.9B
    0%
  • Other¥19.7B
    0%

Profit by segment

※ Segments without disclosed profit are drawn entirely as costs

※ Segment figures include inter-segment sales and do not sum to the company total

Sources

Show source documents (6)
  • EDINET (FSA Japan)

    有価証券報告書-第18期(2025/04/01-2026/03/31)

    ID S100YNCJ2026-06-30Open
  • EDINET (FSA Japan)

    有価証券報告書-第17期(2024/04/01-2025/03/31)

    ID S100W0ZR2025-06-20Open
  • EDINET (FSA Japan)

    有価証券報告書-第16期(2023/04/01-2024/03/31)

    ID S100TPAM2024-06-24Open
  • EDINET (FSA Japan)

    有価証券報告書-第15期(2022/04/01-2023/03/31)

    ID S100R36C2023-06-26Open
  • EDINET (FSA Japan)

    有価証券報告書-第14期(令和3年4月1日-令和4年3月31日)

    ID S100OD532022-06-27Open
  • EDINET (FSA Japan)

    有価証券報告書-第13期(令和2年4月1日-令和3年3月31日)

    ID S100LLG22021-06-28Open

Extracted from XBRL: 45 / Derived from other figures: 1

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