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

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%

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