8729.T
The company operates in the Life & Health Insurance industry, providing insurance products and services to individuals and businesses, generating revenue primarily through premium income and investment returns on its insurance reserves.
Business. The company operates in the Life & Health Insurance industry, providing insurance products and services to individuals and businesses, generating revenue primarily through premium income and investment returns on its insurance reserves.
Analyst recommendations
10 analysts · consensus HoldAt a glance
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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
Signals & dispatch
Composite-score breakdown
Synthesis
The company operates in the Life & Health Insurance industry, providing insurance products and services to individuals and businesses, generating revenue primarily through premium income and investment returns on its insurance reserves.
The company maintains a capital structure with a debt-to-equity ratio of 7.29, indicating a significant reliance on debt financing relative to equity. Its liquidity position is characterized by cash and equivalents of ¥1.22 trillion, but this is offset by long-term debt of ¥4.88 trillion, resulting in a net cash position that is negative after subtracting total debt. Free cash flow for the period was ¥69.36 billion, suggesting the company is generating positive cash from operations after capital expenditures.
Profitability metrics show a return on equity (ROE) of 11.76%, which is relatively strong, but the return on assets (ROA) of 0.34% is weak, indicating that the company is not efficiently utilizing its assets to generate profit. These figures should be compared to the industry's preferred metrics and cohort medians to assess relative performance.
The company's revenue is not segmented by geographic region or business line in the provided data, so it is not possible to determine the geographic or segment concentration of its revenue. However, the company's exposure to different markets and products is an important factor in assessing its risk profile and growth potential.
The company's growth trajectory is not explicitly detailed in the provided data, but the operating income of ¥104.96 billion and net income of ¥78.79 billion suggest a profitable operation. Analysts have provided a mean price target of ¥175.70 and a median price target of ¥170.00, with a mean recommendation of 2.80, indicating a generally neutral to slightly positive outlook.
The company faces a medium liquidity risk, as indicated by the risk assessment, and a low dilution risk. The risk assessment also notes that net cash is negative after subtracting total debt, which could impact the company's ability to meet short-term obligations without additional financing.
Recent events and filings are not detailed in the provided data, so it is not possible to comment on specific recent developments that may have impacted the company's financial position or strategic direction.
- The company has a strong ROE of 11.76%, but a weak ROA of 0.34%, indicating inefficiency in asset utilization.
- The company's liquidity position is medium risk, with a negative net cash position after subtracting total debt.
- Analysts have a generally neutral to slightly positive outlook, with a mean price target of ¥175.70 and a median price target of ¥170.00.
- The company's capital structure is heavily leveraged, with a debt-to-equity ratio of 7.29.
- The company's growth trajectory and segment-specific performance are not detailed in the provided 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
- Return On Equitynet_income / total_equity
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