Tokio Marine Holdings (TSE:8766) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TSE:8766 Tokio Marine Holdings Inc TSE:8766
61 GF Score
Price 円8,116.00
GF Value 円6,351.06
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Tokio Marine Holdings Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Tokio Marine Holdings is: Moderate Risk: Sensitive, better choose undervalued stock.

Tokio Marine Holdings  (TSE:8766) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Tokio Marine Holdings Risk Assessment Related Terms

TSE:8766 vs CB, PGR, TRV: Risk Assessment Comparison

For the Insurance - Property & Casualty subindustry, Tokio Marine Holdings's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Insurance Industry

For the Insurance industry and Financial Services sector, Tokio Marine Holdings's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Tokio Marine Holdings's Risk Assessment falls into.


TSE:8766
61GF Score
Tokio Marine Holdings Inc TSE:8766
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Tokio Marine Holdings (TSE:8766) Overvalued in 2026?

Based on GuruFocus' analysis, Tokio Marine Holdings stock appears to be overvalued. The current stock price of 円8,116.00 is trading 27.8% above its estimated GF Value™ of 円6,351.06. GuruFocus considers Tokio Marine Holdings to be Modestly Overvalued.

Key valuation signals for TSE:8766:

  • Risk Assessment:
  • GF Value™: 円6,351.06 vs. price of 円8,116.00 (27.8% above fair value)
  • GF Score™: 61/100 with 5 warning signs

No single metric tells the full story. See the TSE:8766 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Tokio Marine Holdings Business Description

Address 2-6-4 Otemachi, Chiyoda-ku, Tokyo, JPN, 100-0004
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.
61GF Score

Get the complete analysis for TSE:8766

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円8,116.00
Price
円6,351.06
GF Value