Tokio Marine HoldingsMEX:8766N 52 Net Margin % is 10.04% as of Dec. 2025, which is 77% above its 10-year median of 5.66. GuruFocus rates MEX:8766N with a GF Score™ of 52/100 and a GF Value™ of MXN661.31 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 503 Insurance companies, Tokio Marine Holdings ranks better than 65.61% on this metric.
The historical rank and industry rank for Tokio Marine Holdings's Net Margin % or its related term are showing as below:
MEX:8766N'
s Net Margin % Range Over the Past 10 Years
Min: 3.04 Med: 5.66 Max: 13.91
Current: 12.68
MEX:8766N's Net Margin % is ranked better than 65.61% of 503
companies
in the Insurance industry
Industry Median: 9.29
vs MEX:8766N: 12.68
Tokio Marine Holdings (MEX:8766N) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Tokio Marine Holdings Net Margin % Related Terms
Tokio Marine Holdings Net Margin % Historical Data
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The historical data trend for Tokio Marine Holdings's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MEX:8766N vs CB, PGR, TRV: Net Margin % Comparison
For the Insurance - Property & Casualty subindustry, Tokio Marine Holdings's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Tokio Marine Holdings Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Tokio Marine Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Tokio Marine Holdings's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Tokio Marine Holdings (MEX:8766N) has a Net Margin % of 10.04% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Tokio Marine Holdings and its competitors. This is 77% above median its historical median of 5.66. Over the past decade, Tokio Marine Holdings' Net Margin % has ranged from 3.04 to 13.91. According to the industry distribution chart, Tokio Marine Holdings ranks #173 out of 503 companies in the Insurance industry, placing it in the top 34.4%.
Is Tokio Marine Holdings' Net Margin % too high?
Tokio Marine Holdings' current Net Margin % of 10.04% is 77% above median its 10-year median of 5.66. Over the past 10 years, this metric has ranged from a low of 3.04 to a high of 13.91. The Insurance industry median Net Margin % is 9.29. Tokio Marine Holdings' value of 10.04% is 8.1% above this industry median. Based on the distribution chart, Tokio Marine Holdings ranks #173 out of 503 companies in the Insurance industry, which is above the industry midpoint. Overall, Tokio Marine Holdings has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tokio Marine Holdings' Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Tokio Marine Holdings ranks #173 out of 503 companies for Net Margin %. This puts Tokio Marine Holdings in the upper half of its industry. The industry median Net Margin % is 9.29. Tokio Marine Holdings' value of 10.04% is 8.1% above this benchmark. Historically, Tokio Marine Holdings' own Net Margin % has ranged from 3.04 to 13.91 over the past decade. While the company's 10-year median is 5.66 vs. the industry median of 9.29, Tokio Marine Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tokio Marine Holdings's current Net Margin % of 10.04% is 8.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Tokio Marine Holdings and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tokio Marine Holdings's current Net Margin % is 10.04%, which is 77% above median its own 10-year median of 5.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tokio Marine Holdings stock overvalued right now?
Based on GuruFocus' analysis, Tokio Marine Holdings (MEX:8766N) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN661.31, compared to a current price of MXN806.49 — trading 22% above its estimated fair value. The current Net Margin % is 10.04%, which is 77% above median its 10-year median of 5.66 and 8.1% above the Insurance industry median of 9.29. Tokio Marine Holdings' overall GF Score™ is 52/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Tokio Marine Holdings (MEX:8766N), the current Net Margin % is 10.04% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Tokio Marine Holdings (MEX:8766N) Overvalued in 2026?
Based on GuruFocus' analysis, Tokio Marine Holdings stock appears to be overvalued.
The current stock price of MXN806.49 is trading 22% above its estimated GF Value™ of MXN661.31.
GuruFocus considers Tokio Marine Holdings to be Modestly Overvalued.
Key valuation signals for MEX:8766N:
Net Margin %: 10.04% (77% above median its 10-year median of 5.66)
GF Value™: MXN661.31 vs. price of MXN806.49 (22% above fair value)
Industry Position: 8.1% above the Insurance median (#173 of 503)
No single metric tells the full story. See the MEX:8766N stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dating back to 1879, Tokio Marine is the oldest insurance company in Japan and operated as its top property and casualty insurer for decades. Following industry consolidation, it now shares domestic dominance with MS and AD and Sompo. However, Tokio Marine remains by far the most valuable listed Japanese insurer by market capitalization. This premium valuation is driven by an aggressive unwinding of domestic cross-shareholdings and a highly profitable overseas portfolio. The majority of its international business is based in the United States, where it has acquired premium specialty insurers since 2008, including Philadelphia Consolidated, Delphi Financial, Tokio Marine HCC, and Privilege Underwriters Reciprocal Exchange, recently fortified by a capital alliance with Berkshire Hathaway.
52GF Score
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