Tokio Marine Holdings (8766) AI Stock Analysis

• Market Cap: $10.91T
• Dividend Yield: 3.38%
• Average Volume (3M): 4.31M
• Price to Earnings (P/E): 8.4
• Beta (1Y): 1.35
• Revenue Growth: 12.02%
• EPS Growth: 75.88%
• Country: JP
• Employees: 43,870
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 243.46
• Shares Outstanding: 1,934,000,000
• 10 Day Avg. Volume: 4,788,580
• 30 Day Avg. Volume: 4,314,843
• PEG Ratio: 0.20
• Price to Book (P/B): 2.20
• Price to Sales (P/S): 1.47
• P/FCF Ratio: 8.46
• Enterprise Value/Market Cap: 1.09
• Enterprise Value/Revenue: 1.44
• Enterprise Value/Gross Profit: 1.44
• Enterprise Value/Ebitda: 6.70
• 1Y Price Target: $6,081.54
• Price Target Upside: 4.80% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: ¥6,887.00 ▲(18.68% Upside)

Tokio Marine Holdings scores well due to its strong financial performance and attractive valuation. The technical analysis suggests neutral momentum, which slightly tempers the overall score. The lack of earnings call data and corporate events does not impact the score.

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 Holdings generates revenue primarily through underwriting insurance premiums from its various insurance products, which include property and casualty insurance and life insurance. The company earns income by collecting premiums from policyholders and investing these funds in a diversified portfolio of assets, including stocks, bonds, and real estate, to generate investment income. Key revenue streams include premiums from commercial and personal insurance policies, as well as annuities and other life insurance products. Additionally, Tokio Marine engages in reinsurance activities and has formed strategic partnerships to expand its market reach and enhance its product offerings, further contributing to its earnings.

Tokio Marine Holdings Financial Statement Overview

Summary

Tokio Marine Holdings shows strong profitability and cash flow generation with improved margins and a solid balance sheet. However, the decline in revenue growth and volatility in free cash flow growth are concerns.

Income Statement

Tokio Marine Holdings has demonstrated strong profitability with a consistent gross profit margin of 100% over the years. The net profit margin improved significantly from 5.81% in 2022 to 13.91% in 2025, indicating enhanced efficiency and cost management. However, the revenue growth rate has been volatile, with a notable decline of 5.10% in 2025, which could be a concern for future growth prospects. EBIT and EBITDA margins have also shown improvement, reflecting better operational performance.

Balance Sheet

The company's balance sheet is robust with a low debt-to-equity ratio of 0.12 in 2025, indicating prudent financial leverage. The equity ratio has remained stable, showcasing a strong equity base relative to total assets. However, the return on equity (ROE) data is missing for recent years, which limits a comprehensive assessment of shareholder returns.

Cash Flow

Tokio Marine Holdings has shown strong cash flow management with a high free cash flow to net income ratio close to 1, indicating efficient conversion of net income into free cash flow. The operating cash flow to net income ratio is healthy, suggesting strong cash generation from operations. The free cash flow growth rate is positive, although it showed extreme volatility with an 'Infinity' value in 2025, which requires further investigation.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	8.26T	7.58T	7.08T	6.21T	5.75T	492.17B
Gross Profit	8.26T	7.58T	7.08T	6.62T	5.75T	480.71B
EBITDA	1.78T	1.71T	1.06T	726.82B	724.58B	385.87B
Net Income	1.32T	1.06T	695.81B	374.61B	420.48B	161.80B
Balance Sheet
Total Assets	30.56T	31.24T	30.59T	27.40T	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	625.73B	996.22B	222.81B	1.67T	230.60B
Total Liabilities	25.64T	26.13T	25.41T	23.80T	23.17T	22.04T
Stockholders Equity	4.94T	5.08T	5.18T	3.58T	4.02T	3.67T
Cash Flow
Free Cash Flow	0.00	1.32T	1.05T	982.83B	1.07T	1.15T
Operating Cash Flow	0.00	1.35T	1.07T	1.01T	1.10T	1.18T
Investing Cash Flow	0.00	177.45B	-616.43B	29.16B	-658.65B	-725.69B
Financing Cash Flow	0.00	-1.20T	-417.42B	-1.02T	-511.42B	-518.29B

Tokio Marine Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 5803.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8766, the sentiment is Negative. The current price of 5803 is below the 20-day moving average (MA) of 5934.10, below the 50-day MA of 6136.01, and above the 200-day MA of 5729.85, indicating a neutral trend. The MACD of -100.42 indicates Positive momentum. The RSI at 41.00 is Neutral, neither overbought nor oversold. The STOCH value of 57.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8766.

Tokio Marine Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8359	76 Outperform	$722.36B	14.07	5.37%	3.14%	14.57%	100.81%
8766	73 Outperform	$10.91T	8.38	26.83%	3.38%	12.02%	75.88%
8630	70 Outperform	$4.29T	18.55	―	3.28%	11.37%	27.90%
7181	70 Outperform	¥1.44T	11.13	―	2.85%	-6.70%	58.89%
8725	69 Neutral	$5.02T	6.86	16.93%	3.03%	8.40%	58.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8795	61 Neutral	¥1.67T	12.95	9.22%	3.14%	-2.35%	17.94%

Tokio Marine Holdings Corporate Events

Tokio Marine Holdings Completes Share Repurchase Program

Tokio Marine Holdings has completed its share repurchase program, acquiring 3,871,200 common shares at a total cost of 25,007,928,300 yen. This move is part of a broader strategy approved by the board to repurchase up to 70,000,000 shares, aiming to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (JP:8766) stock is a Buy with a Yen7459.00 price target. To see the full list of analyst forecasts on Tokio Marine Holdings stock, see the JP:8766 Stock Forecast page.

Tokio Marine Holdings Advances Share Repurchase Program

Tokio Marine Holdings announced the progress of its share repurchase program, where it acquired 4,632,500 common shares for approximately 29.97 billion yen from August 1 to August 31, 2025. This move is part of a broader initiative approved by the board to repurchase up to 70 million shares, aiming to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (JP:8766) stock is a Buy with a Yen7000.00 price target. To see the full list of analyst forecasts on Tokio Marine Holdings stock, see the JP:8766 Stock Forecast page.

Tokio Marine Holdings Reports Strong Profit Growth

Tokio Marine Holdings, Inc. is a leading global insurance group headquartered in Japan, primarily engaged in non-life and life insurance sectors, with a significant presence in both domestic and international markets.

Tokio Marine Holdings Reports Strong Q2 2025 Performance

Tokio Marine Holdings reported a significant increase in its financial performance for the three months ended June 30, 2025, with a 17.9% rise in ordinary income and a 136.6% increase in net income attributable to owners. The company’s strong results reflect its robust market positioning and operational efficiency, although the forecast for the fiscal year 2025 indicates a potential decline in ordinary profit and net income.

The most recent analyst rating on (JP:8766) stock is a Buy with a Yen7500.00 price target. To see the full list of analyst forecasts on Tokio Marine Holdings stock, see the JP:8766 Stock Forecast page.

Tokio Marine Advances Share Repurchase Program

Tokio Marine Holdings announced the progress of its share repurchase program, having bought back 1,150,500 common shares for approximately 6.89 billion yen between July 1 and July 31, 2025. This move is part of a broader strategy approved by the board to repurchase up to 70 million shares, representing about 3.6% of total issued shares, with a total budget of up to 110 billion yen, aiming to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (JP:8766) stock is a Buy with a Yen7500.00 price target. To see the full list of analyst forecasts on Tokio Marine Holdings stock, see the JP:8766 Stock Forecast page.