MS&AD Insurance Group Holdings, Inc. reported a strong financial performance for the fiscal year ending March 2025 (FY 2025), with net income attributable to parent company shareholders reaching $4.77 billion (¥691.6 billion). This is an increase of $2.22 billion (¥322.3 billion) compared to the previous year.
The company also recorded an ordinary profit of $6.41 billion (¥928.9 billion), which is up by $3.54 billion (¥512.5 billion) from the prior year.
MS&AD’s total ordinary income rose to $45.96 billion (¥6,660.8 billion). This included:
- $37.26 billion (¥5,400.5 billion) from underwriting,
- $8.27 billion (¥1,199.3 billion) from investments,
- $0.42 billion (¥60.8 billion) from other income sources.
Meanwhile, total ordinary expenses reached $39.55 billion (¥5,731.8 billion), which included:
- $31.60 billion (¥4,579.4 billion) in underwriting costs,
- $1.77 billion (¥257.1 billion) in investment-related expenses,
- $5.84 billion (¥846.0 billion) in operating and administrative costs,
- $0.34 billion (¥49.2 billion) in other expenses.
Looking ahead, MS&AD expects a more modest performance in the next fiscal year. The company projects an ordinary profit of $5.56 billion (¥806.0 billion) and net income of $4.00 billion (¥579.0 billion) for FY 2026. These forecasts are based on stable economic conditions, assuming no major changes in interest rates, exchange rates, or stock market trends from April 2025.
The company also anticipates losses of $0.92 billion (¥134.0 billion) from domestic natural disasters. These losses are expected to be split between Mitsui Sumitomo Insurance Co., Ltd. at $0.55 billion (¥79.0 billion), and Aioi Nissay Dowa Insurance Co., Ltd. at $0.38 billion (¥55.0 billion). The estimates include both claims already paid and provisions for future claims.
Exchange rate used: $1.00 = ¥143.87
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