T&D Holdings Inc (OTCPK:TDHOY)

Q3 2025 T&D Holdings Inc Earnings Call Transcript

Feb 14, 2025 / 10:59 AM GMT

Release Date Price: $10 (-1.77%)

Transcript

Key Points

Positve

Group adjusted profit increased by 44.9% year-on-year to JPY102.1 billion, surpassing initial forecasts.
Sales results of new policies for all three life insurance companies progressed favorably, leading to an upward revision of the full-year forecast.
Value of new business increased by JPY1.6 billion year-on-year, with forecasts revised upwardly.
Group MCEV increased by 5.5% from the previous fiscal year, indicating strong financial health.
The company expects to achieve its long-term vision target of JPY130 billion in group adjusted profit one year ahead of schedule.

Negative

Capital gains decreased year-on-year due to losses on bond sales for cash flow matching purposes.
Surrender and lapse rates increased, impacting the annualized premiums negatively.
The company expects to record an impairment loss of approximately 0.5 billion yen in commercial mortgage loans.
Operating expenses are expected to rise due to increased personal costs and retirement benefit liabilities.
The company anticipates equity and losses of affiliates due to rising US interest rates, impacting financial results.

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

8795.T - T&D Holdings Inc
Q3 2025 T&D Holdings Inc Earnings Call
Feb 14, 2025 / NTS GMT

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Presentation
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Unidentified_1 [1]
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This is Ito from the TND Holdings IR.

Thank you very much for coming to the conference call for the financial results for the nine months end of December 31st, 2024. For materials, please go to our website under investor relations and under IR events.

So I will make an explanation for about 10 minutes, after which we would like to move on to the Q&A session. So we'd like to move on to the explanation. Please go to page 3.

I will explain the points of the financial results. Group adjusted profit favorably progressed and increased by 44.9% to JPY102.1 billion year on year and upwardly revised from an initial four year forecast of JPY117 billion to JPY130 billion.

Sales results of new policies of all

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