T&D Holdings (8795) AI Stock Analysis

• Market Cap: ¥1.68T
• Dividend Yield: 3.11%
• Average Volume (3M): 1.75M
• Price to Earnings (P/E): 13.1
• Beta (1Y): 1.13
• Revenue Growth: -2.35%
• EPS Growth: 17.94%
• Country: JP
• Employees: 20,408
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 73.35
• Shares Outstanding: 544,000,000
• 10 Day Avg. Volume: 2,056,340
• 30 Day Avg. Volume: 1,751,526
• PEG Ratio: 0.41
• Price to Book (P/B): 1.28
• Price to Sales (P/S): 0.57
• P/FCF Ratio: -4.37
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 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: 61 Neutral
• Price Target: ¥3,775.00 ▲(9.45% Upside)

T&D Holdings' overall stock score reflects a mixed financial performance with strong balance sheet metrics but significant cash flow concerns. Technical indicators suggest a neutral to bearish outlook, while the valuation is reasonable with a fair P/E ratio and a decent dividend yield. The absence of earnings call data and corporate events limits additional insights.

T&D Holdings Business Overview & Revenue Model

Company Description

T&D Holdings (8795) is a prominent Japanese financial services group primarily engaged in the insurance sector. The company operates through several subsidiaries, focusing on life insurance, non-life insurance, and asset management services. T&D Holdings aims to enhance the financial well-being of individuals and businesses by offering a diverse portfolio of insurance products, including life, health, and property insurance, as well as investment solutions tailored to meet the evolving needs of its clients.

How the Company Makes Money

T&D Holdings generates revenue primarily through the sale of insurance products and services. The company earns money from premiums collected on life and non-life insurance policies, which form a significant portion of its revenue. Additionally, T&D Holdings benefits from investment income generated from the premiums received, as these funds are invested in various financial instruments to yield returns. The company also engages in asset management, offering investment products and services to individuals and institutions, which contributes further to its revenue streams. Strategic partnerships with other financial institutions and agencies enhance its distribution capabilities, allowing T&D Holdings to reach a broader customer base and maintain a competitive edge in the market.

T&D Holdings Financial Statement Overview

Summary

T&D Holdings shows a strong balance sheet with low leverage and a solid equity base. However, challenges in profitability, inconsistent revenue growth, and significant cash flow issues present concerns. The company needs to improve cash flow management and stabilize revenue growth to enhance financial health.

Income Statement

T&D Holdings has shown a mixed performance in its income statement. The company has maintained a high gross profit margin, indicating strong revenue generation relative to cost. However, the net profit margin has been relatively low and volatile, reflecting challenges in controlling expenses or other operational inefficiencies. Revenue growth has been inconsistent, with a notable decline in the most recent year, which could be a concern for future profitability. EBIT and EBITDA margins have improved over time, suggesting some operational improvements.

Balance Sheet

The balance sheet of T&D Holdings is relatively strong, with a low debt-to-equity ratio indicating conservative leverage and financial stability. The return on equity has shown improvement, suggesting better utilization of shareholder funds, although it remains moderate. The equity ratio is healthy, reflecting a solid capital structure with a significant portion of assets financed by equity.

Cash Flow

Cash flow performance has been a weak point for T&D Holdings. The company has experienced negative operating and free cash flows in recent years, which could indicate liquidity challenges. The free cash flow to net income ratio is positive, suggesting that the company is generating cash relative to its net income, but the overall negative cash flow trend is concerning. The operating cash flow to net income ratio has been inconsistent, further highlighting cash flow management issues.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.69T	2.89T	2.30T	2.24T	1.75T	2.13T
Gross Profit	3.69T	2.51T	2.30T	2.24T	1.75T	2.37T
EBITDA	173.60B	192.98B	157.54B	-81.06B	21.00B	138.61B
Net Income	129.56B	126.41B	98.78B	-132.15B	14.18B	108.51B
Balance Sheet
Total Assets	16.82T	16.62T	17.21T	16.77T	17.81T	17.88T
Cash, Cash Equivalents and Short-Term Investments	0.00	778.68B	1.14T	1.14T	890.67B	1.02T
Total Debt	127.99B	186.34B	127.99B	126.00B	162.00B	163.00B
Total Liabilities	15.39T	15.31T	15.80T	15.78T	16.42T	16.32T
Stockholders Equity	1.42T	1.30T	1.40T	987.17B	1.38T	1.49T
Cash Flow
Free Cash Flow	0.00	-379.46B	247.25B	-329.92B	-404.87B	489.40B
Operating Cash Flow	0.00	-359.87B	262.75B	-307.63B	-396.88B	500.49B
Investing Cash Flow	0.00	94.27B	-180.25B	665.96B	283.20B	-261.46B
Financing Cash Flow	0.00	-87.34B	-79.23B	-106.58B	-57.75B	-72.13B

T&D Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3449.00
• 50DMA: Negative
• 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 JP:8795, the sentiment is Negative. The current price of 3449 is above the 20-day moving average (MA) of 3421.90, below the 50-day MA of 3606.24, and above the 200-day MA of 3241.10, indicating a bearish trend. The MACD of -86.25 indicates Positive momentum. The RSI at 31.93 is Neutral, neither overbought nor oversold. The STOCH value of 20.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8795.

T&D Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7181	70 Outperform	¥1.44T	11.13	―	2.84%	-6.70%	58.89%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7157	67 Neutral	¥151.68B	24.13	―	―	22.42%	5.10%
7163	67 Neutral	―	―	―	―	23.73%	12.39%
7326	65 Neutral	¥39.17B	18.60	5.13%	1.46%	9.57%	56.23%
8750	62 Neutral	$4.00T	11.85	9.18%	4.03%	-10.49%	-9.62%
8795	61 Neutral	¥1.68T	13.07	9.22%	3.11%	-2.35%	17.94%

T&D Holdings Corporate Events

T&D Holdings Invests in Reinsurance Sidecar to Bolster Operations

T&D Holdings has announced an investment in Carlyle FCA Re, L.P., a limited partnership that will facilitate the establishment of a Bermuda-based reinsurance sidecar. This strategic move, involving a capital commitment of up to USD 250 million, positions T&D to enhance its reinsurance capabilities and potentially impact its financial results, although no immediate changes to earnings forecasts are planned.

The most recent analyst rating on (JP:8795) stock is a Hold with a Yen3775.00 price target. To see the full list of analyst forecasts on T&D Holdings stock, see the JP:8795 Stock Forecast page.

T&D Holdings Acquires 2.7 Million Treasury Shares

T&D Holdings, Inc. announced the acquisition of 2,741,700 treasury shares, amounting to 10,517,143,700 yen, through open-market repurchase from September 1 to September 30, 2025. This move is part of a broader strategy approved by the board to acquire up to 50 million shares, reflecting a significant investment in the company’s own stock, potentially impacting shareholder value and market perception.

The most recent analyst rating on (JP:8795) stock is a Buy with a Yen4338.00 price target. To see the full list of analyst forecasts on T&D Holdings stock, see the JP:8795 Stock Forecast page.

T&D Holdings Acquires Treasury Shares in Strategic Move

T&D Holdings, Inc. announced the acquisition of 3,214,700 treasury shares, valued at approximately 12.5 billion yen, through open-market repurchase during August 2025. This move is part of a broader strategy approved by the board to acquire up to 50 million shares by March 2026, reflecting the company’s efforts to optimize capital structure and potentially enhance shareholder value.

The most recent analyst rating on (JP:8795) stock is a Buy with a Yen4338.00 price target. To see the full list of analyst forecasts on T&D Holdings stock, see the JP:8795 Stock Forecast page.

T&D Holdings Reports Mixed Financial Results for Q2 2025

T&D Holdings, Inc. is a Tokyo-based company operating in the insurance sector, providing life insurance and related financial services through its subsidiaries. The company is listed on the Tokyo Stock Exchange under the security code 8795.

T&D Holdings Reports Mixed Financial Results Amid Revenue Decline

T&D Holdings reported a decrease in ordinary revenues by 6.4% for the three months ended June 30, 2025, compared to the previous year, while ordinary profit and profit attributable to owners of the parent increased by 4.4% and 9.2%, respectively. The company forecasts a 19.3% decrease in ordinary revenues for the fiscal year ending March 31, 2026, but anticipates a 12.3% increase in ordinary profit, reflecting a strategic focus on profitability despite revenue challenges.

The most recent analyst rating on (JP:8795) stock is a Hold with a Yen2880.00 price target. To see the full list of analyst forecasts on T&D Holdings stock, see the JP:8795 Stock Forecast page.

T&D Holdings Completes Strategic Investment in German Insurer Viridium

T&D Holdings, Inc. has completed a minority investment in Viridium Group, a German life insurance holding company, through its subsidiary T&D United Capital Co., Ltd. This strategic acquisition, part of T&D’s ‘second pillar’ of closed-book business investments, aims to diversify its portfolio and enhance sustainable growth, aligning with the company’s long-term vision. The transaction, which involved acquiring a 29.9% stake for approximately JPY 116 billion, will not impact the company’s consolidated earnings forecasts for the fiscal year ending March 31, 2026.

The most recent analyst rating on (JP:8795) stock is a Hold with a Yen2880.00 price target. To see the full list of analyst forecasts on T&D Holdings stock, see the JP:8795 Stock Forecast page.

T&D Holdings Acquires Treasury Shares to Enhance Shareholder Value

T&D Holdings, Inc. announced the acquisition of 2,774,900 treasury shares worth approximately 9.3 billion yen through open-market repurchase. This move is part of a larger plan approved by the board to acquire up to 50 million shares, reflecting the company’s strategy to manage its capital structure and enhance shareholder value.

The most recent analyst rating on (JP:8795) stock is a Hold with a Yen2880.00 price target. To see the full list of analyst forecasts on T&D Holdings stock, see the JP:8795 Stock Forecast page.