Sompo Holdings Inc (OTCPK:NHOLF)

Q2 2026 Sompo Holdings Inc Earnings Call Transcript

Nov 19, 2025 / 10:59 AM GMT

Release Date Price: $29.81 (+1.60%)

Transcript

Key Points

Positve

Sompo Holdings Inc (NHOLF) reported a significant year-on-year profit growth of JPY78.1 billion, driven by improvements in domestic PNC business and strong net investment income overseas.
The company revised its full-year FY25 earnings forecast upward by JPY77 billion to JPY440 billion, indicating strong financial performance.
Shareholder returns for the first half of FY25 amounted to JPY145.5 billion, including JPY77 billion in share buybacks, with a full-year forecast of JPY250 billion, up JPY26 billion from the initial forecast.
Domestic fire insurance profitability improved due to rate increases and enhanced underwriting, with a loss ratio expected to improve by 4.3 points year-on-year.
The overseas business saw a profit increase of CNY20.7 billion, supported by fewer natural disasters and increased investment income from asset growth.

Negative

The transition to IFRS accounting makes direct comparisons with previous records challenging, potentially complicating performance assessments.
Auto insurance faced challenges with increased accident frequency and repair costs, leading to a revision of the forecast and a planned rate increase in January 2026.
The overseas insurance business is experiencing a softer rate environment, which may impact future profitability.
The company acknowledged that many of the current year's profit drivers, such as lower natural catastrophe impacts, may not persist into the next fiscal year.
Despite improvements, the company may still fall short of its 13% ROE target, necessitating potential capital adjustments.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

8630.T - SOMPO Holdings Inc
Q2 2026 Sompo Holdings Inc Earnings Call
Nov 19, 2025 / NTS GMT

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Presentation
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Unidentified_1 [1]
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I am Hamada, Group CFO of Sempo Holdings.

Thank you for joining our earnings call despite your busy schedule.

I will go through the first half results and the full year earnings forecast for FY 25, as well as the shareholder return, all of which we disclosed today.

Please turn to page 3.

Of the presentation.

This is the executive summary. First, the overview of the FY25 1st half results.

Driven primarily by a decrease in net account in Japan and globally, profitability improvement in domestic PNC business, and strong net investment income overseas, adjusted consolidated profit increased by JPY78.1 billion near to JPY247.4 billion.

Next, the full year FY25 earnings forecast.

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