7192.T
Mitsui Sumitomo Insurance operates in the property and casualty insurance sector, generating revenue primarily through premium income from insurance policies and investment returns on its underwriting portfolio.
Business. Mitsui Sumitomo Insurance operates in the property and casualty insurance sector, generating revenue primarily through premium income from insurance policies and investment returns on its underwriting portfolio.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Synthesis
Mitsui Sumitomo Insurance operates in the property and casualty insurance sector, generating revenue primarily through premium income from insurance policies and investment returns on its underwriting portfolio.
The company maintains a debt-to-equity ratio of 0.84, indicating a relatively balanced capital structure with manageable leverage. Its liquidity position is characterized by a current ratio of 1.74, suggesting the ability to meet short-term obligations. However, the risk assessment highlights a medium liquidity risk, primarily due to negative net cash after subtracting total debt.
Profitability metrics show a return on equity (ROE) of 11.2%, which is a strong indicator of efficient capital use. The return on assets (ROA) of 4.45% is in line with industry norms, suggesting the company is generating reasonable returns on its asset base. These figures align with the industry's preferred metrics, emphasizing ROE and ROA as key performance indicators.
Geographically, the company's revenue is concentrated in Japan, with no significant international segments disclosed. This concentration may expose the company to regional economic fluctuations and regulatory changes. The lack of diversification in revenue sources could pose a risk in the event of a downturn in the Japanese market.
The company's growth trajectory is modest, with no significant revenue growth reported in the latest financial period. The operating cash flow of 1.82 billion JPY and free cash flow of 608.4 million JPY indicate a stable cash generation capability, but the absence of capital expenditure suggests limited reinvestment in growth opportunities.
Risk factors include a medium liquidity risk and a potential for dilution, although the latter is currently assessed as low. The company has not issued additional shares recently, and there are no indications of imminent dilution from the provided data. The risk assessment does not highlight any major regulatory or geopolitical risks, but the company's exposure to the Japanese market remains a concern.
Recent events, as reflected in the latest financial filings, show a stable performance with consistent revenue and net income. The company's earnings per share (EPS) of 66.84 JPY align with analyst estimates, indicating that the company is meeting market expectations. No significant changes in management or strategic direction have been reported in the latest filings.
- Mitsui Sumitomo Insurance maintains a balanced capital structure with a debt-to-equity ratio of 0.84.
- The company's ROE of 11.2% indicates strong profitability and efficient use of equity.
- Revenue is concentrated in Japan, which may increase exposure to regional economic and regulatory risks.
- The company generates stable cash flows but has not reinvested in capital expenditures, suggesting limited growth initiatives.
- Liquidity risk is moderate, and dilution risk is currently low based on the latest financial data.
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- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
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