MS&AD Insurance, Oct-Dec (3Q) Ordinary Profit Decreases by 24%

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Fri Feb 14, 2025 3:30 pm JST Earnings

8725 MS&AD Insurance Group Holdings, Inc. 【J-GAAP】

Earnings Report

MS&AD Insurance Group Holdings, Inc. <8725> [TSE Prime] announced its financial results after the market closed on February 14th (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2025 (April to December) surged 2.1 times that of the same period last year, reaching 824 billion yen. The progress rate toward the full-year plan of 893 billion yen was 92.4%, it was below the five-year average of 97.2%.

Based on the cumulative third-quarter performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the January to March period (4Q) is expected to surge 2.3 times that of the same period last year, reaching 68.1 billion yen.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit decreased to 194 billion yen, a 23.9% decrease compared to the same period last year.

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Actual Results

Accumulated Results 3rd Quarter

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Progress Rate vs. First Half	Announce	Accounting Standards
Apr - Dec, 2022	4,010,010	ー	222,216	139,007	85.8	76.0	Feb 14, 2023	J-GAAP
Apr - Dec, 2023	4,947,791	ー	386,579	281,596	176.5	92.8	Feb 14, 2024	J-GAAP
Apr - Dec, 2024	5,229,739	ー	824,864	626,067	400.2	92.4	Feb 14, 2025	J-GAAP
YoY	+5.7%	－	+113.4%	+122.3%	+126.7%

Current Period Guidance

Second Half Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Oct - Mar, 2023	2,944,347	ー	285,027	281,755	176.9	50	May 20, 2024	J-GAAP
Oct - Mar, 2024 Guidance	ー	ー	262,198	171,013	113.2	72.50	Nov 19, 2024	J-GAAP
YoY	－	－	-8.0%	-39.3%	-36.0%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2023	5,250,794	ー	292,262	211,006	130.5	66.67	May 19, 2023	J-GAAP
Mar, 2024	6,572,889	ー	416,440	369,266	231.8	90	May 20, 2024	J-GAAP
Mar, 2025 Guidance	ー	ー	893,000	630,000	416.9	145	Nov 19, 2024	J-GAAP
YoY	－	－	+114.4%	+70.6%	+79.8%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2023	1,319,249	ー	255,166	194,085	121.7	0.0	Feb 14, 2024	J-GAAP
Jan - Mar, 2024	1,625,098	ー	29,861	87,670	55.0	0.0	May 20, 2024	J-GAAP
Apr - Jun, 2024	1,937,162	ー	298,624	204,270	128.8	0.0	Aug 9, 2024	J-GAAP
Jul - Sep, 2024	1,510,645	ー	332,178	254,717	161.0	0.0	Nov 19, 2024	J-GAAP
Oct - Dec, 2024	1,781,932	ー	194,062	167,080	106.8	0.0	Feb 14, 2025	J-GAAP
YoY	+35.1%	－	-23.9%	-13.9%	-12.2%