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 2026 results

About 40% of MS&AD Insurance Group Holdings's sales come from Overseas subsidiaries and affiliates, with Mitsui Sumitomo Insurance Co., Ltd. and Aioi Nissay Dowa Insurance Co., Ltd. making up much of the rest.

Revenue changed +8.2% from the prior year.

What changed from last year

FY ending Mar 2025 → FY ending Mar 2026

Revenue: +8.2%¥5.95T → ¥6.44T
Net income attributable to owners: +70.1%¥300.2B → ¥510.6B
Operating cash flow: +34.9%¥707.4B → ¥954B
Free cash flow: +39.3%¥617.8B → ¥860.9B

Results at a glance

Revenue for the FY ending Mar 2026 grew +8.2%, from ¥5.95T to ¥6.44T.
Net income rose much faster, up +70.1% from ¥300.2B to ¥510.6B.
Operating cash flow climbed +34.9% to ¥954B, and free cash flow reached ¥860.9B.

What drove the change

Premiums grew for auto and fire insurance in Japan, and overseas sales rose in the Americas and Europe.
Claims from natural disasters were lower than the year before, both in Japan and abroad.
Overseas profit also got a lift from US expansion and the sale of its stake in Australia's Challenger.

Things to watch

A major natural disaster could push up claims and make reinsurance more expensive.
Big swings in stocks, interest rates or currencies could cut the value of its investments and its capital buffer.
If fixes to past sales practices or the merger of its two domestic insurers fall short, trust in the group could suffer.

Annual Securities Report (18th fiscal period) / Management's discussion and analysis · Annual Securities Report (18th fiscal period) / Business risks

Where the money goes

FY ending Mar 2025 → FY ending Mar 2026

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

※ Cost of revenue is not disclosed; expenses are combined

※ Operating income is not disclosed; the chart goes straight to pretax income including investment gains

Where ¥100 of sales goes

Operating income is not available as a machine-readable numeric value for this company. See the income statement table in its filing.

Which businesses earn the money

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

FY ending Mar 2026

Overseas subsidiaries and affiliates¥2.46T
40%
Mitsui Sumitomo Insurance Co., Ltd.¥1.89T
31%
Aioi Nissay Dowa Insurance Co., Ltd.¥1.38T
22%
Mitsui Sumitomo Aioi Life Insurance Co., Ltd.¥256.3B
4%
Mitsui Sumitomo Primary Life Insurance Co., Ltd.¥106.7B
2%
Mitsui Direct General Insurance Co., Ltd.¥40.3B
1%
Other¥19.2B
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: 37 / Derived from other figures: 1

Spotted an error? Report it (corrections keep the original record)

Other periods

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