T&D Holdings stock analysis
T&D Holdings (TDHOF) Stock Price & Analysis
TDHOF Stock Chart & Stats
- Day’s Range
- $28.97 - $30.17
- 52-Week Range
- $18.69 - $35.06
- Previous Close
- $30.70
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- $13.97B
- Enterprise Value
- $2.54T
- Total Cash (Recent Filing)
- $1.92T
- Total Debt (Recent Filing)
- $332.28B
- Price to Earnings (P/E)
- 16.7
- Beta
- 0.48
- Next Earnings
- Nov 13, 2026 (Est.)
- EPS Estimate
- 0.5
- Next Dividend Ex-Date
- Mar 30, 2027
- Dividend Yield
- 3.33%
Bulls Say, Bears Say
Bulls Say
Profitability Recovery
The return to positive net income and improved operating profitability after the 2023 loss year indicates that the core insurance business has regained earnings capacity. Sustained margins in 2025–2026 provide a stronger base for capital generation and shareholder returns over the coming periods.
Conservative Leverage
Low leverage and a substantial equity base reduce balance-sheet risk and provide financial resilience for a life insurer exposed to investment and liability sensitivities. This capital strength can support regulatory requirements, absorb volatility, and preserve flexibility for ongoing operations.
Recent Free Cash Flow
Positive free cash flow in the latest period, together with cash generation broadly matching net income, supports the quality of recently reported earnings. If maintained, this conversion can help fund distributions, strengthen capital, and reduce reliance on external financing.
Bears Say
2026 Revenue Decline
The 2026 top-line decline interrupts the prior growth pattern and reduces confidence in near-term expansion of the insurance platform. Weaker revenue momentum can constrain operating leverage, limit investment capacity, and make the recent profitability recovery less dependable.
Volatile Cash Conversion
Repeated periods of deeply negative operating and free cash flow show that reported earnings have not consistently translated into cash. Such volatility complicates capital planning, weakens confidence in recurring cash generation, and may limit the reliability of shareholder distributions.
Earnings Instability
The loss year and very weak or negative returns on equity in 2022–2023 demonstrate that capital strength has not always produced stable shareholder returns. This history suggests meaningful earnings sensitivity and tempers confidence that the latest recovery will persist without further volatility.
T&D Holdings News
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Company Description
T&D Holdings
T&D Holdings, Inc., through its subsidiaries, primarily offers a wide range of life insurance products and associated services within Japan. For individual customers, the company provides extensive coverage, including death benefit, medical, and nursing care products, distributed by its in-house sales representatives. Small and medium-sized enterprises (SMEs) can access term life and disability insurance via both internal sales teams and external agents. Additionally, T&D Holdings supplies savings and protection-oriented policies through financial institutions and insurance shops for the independent agent market, alongside specialized pet and family insurance. The company's offerings extend beyond core insurance to include policyholder confirmation, insurance agency services, health and medical research, and comprehensive investment management, advisory, and trust services. It also engages in leasing and credit guarantee services. Furthermore, T&D Holdings provides administrative support for life insurance policies, covering document drafting, amendments, custody, distribution, and securities delivery, as well as developing computer software and system solutions. Founded in 2004, the company's headquarters are located in Tokyo, Japan.
- Sector
- Financial
- Industry
- Insurance - Life
- CEO
- Masahiko Moriyama
- Employees
- 21,268
- Website
- www.td-holdings.co.jp
- Address
- 2-7-1, Nihonbashi, Tokyo, TY, 103-6031, JP
T&D Holdings (TDHOF) Earnings & Revenues
TDHOF Company Deck
TDHOF Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 4 | 12 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 2 | 0 | 10 |









