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T&D Holdings, Inc. (8795.T)

JPY4,952.00 +24.00 (+0.49%)
JP JPX Financial Services Insurance - Life
Address 2-7-1, Nihonbashi 103-6031
Tokyo, JP
CEO Masahiko Moriyama
IPO 2004-04-01
ISIN JP3539220008

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Also trades on Other OTC · TDHOF (USD) Other OTC · TDHOY (USD) Tokyo Stock Exchange · 8795.T (JPY)
Description

T&D Holdings, Inc., through its subsidiaries, primarily offers a wide range of life insurance products and associated services within Japan. For individual customers, the company provides extensive coverage, including death benefit, medical, and nursing care products, distributed by its in-house sales representatives. Small and medium-sized enterprises (SMEs) can access term life and disability insurance via both internal sales teams and external agents. Additionally, T&D Holdings supplies savings and protection-oriented policies through financial institutions and insurance shops for the independent agent market, alongside specialized pet and family insurance. The company's offerings extend beyond core insurance to include policyholder confirmation, insurance agency services, health and medical research, and comprehensive investment management, advisory, and trust services. It also engages in leasing and credit guarantee services. Furthermore, T&D Holdings provides administrative support for life insurance policies, covering document drafting, amendments, custody, distribution, and securities delivery, as well as developing computer software and system solutions. Founded in 2004, the company's headquarters are located in Tokyo, Japan.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
JPY4,952.00 +24.00 (+0.49%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.01
Float Shares
423.44M
Free Float %
88.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.81% +2.66% -0.48% -0.25% +21.97% +8.59% +30.27% +105.21% +183.14% +296.51% +73.84%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
4,952.00
DCF (Unlevered) 7,419.84 +49.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 80% Bullish
Rating 2026-05 Change
Strong Buy 3 0
Buy 5 0
Hold 2 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.46
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Life: +10.6%
    -1.1% Q1'26: -39.1% (vs Q1'25)
  • EPS growth Insurance - Life: +13.4%
    +15.7% Q1'26: +342.7% (vs Q1'25)
  • FCF margin FCF growth · Insurance - Life: +31.7%
    +10.4% Q1'26: +0.0% (vs Q1'25)
  • EBIT margin Insurance - Life: +12.4%
    +6.9% Q1'26: +11.0% (vs Q1'25)
  • ROIC Insurance - Life: +1.0%
    Q1'26: -178.0% (vs Q1'25)
  • Share dilution Insurance - Life: +0.4%
    -5.0% Q1'26: -5.8% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×
    1.05× Q1'26: 1.38× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.06) × ERP
WACC = 89% × Ke + 11% × Kd (4.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 23,607.67 Current price: 4,952.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2015
actual
Mar 2016
actual
Mar 2017
actual
Mar 2018
actual
Mar 2019
actual
Mar 2020
actual
Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
5 Rev. Ana.
9 EPS Ana.
Mar 2027
5 Rev. Ana.
10 EPS Ana.
Mar 2028
5 Rev. Ana.
8 EPS Ana.
Mar 2029
1 Rev. Ana.
2 EPS Ana.
Mar 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
2.30T
est: 2.27T (+1.2%)
1.90T
est: 1.96T (-3.2%)
1.80T
est: 1.89T (-4.8%)
1.79T
est: 1.91T (-6.3%)
1.99T
est: 1.88T (+5.6%)
2.02T
est: 1.97T (+2.1%)
2.13T
est: 2.10T (+1.5%)
2.18T
est: 2.17T (+0.1%)
2.51T
est: 2.30T (+9.1%)
2.80T
est: 2.68T (+4.5%)
2.89T
est: 3.41T (-15.1%)
3.24T
2.99T – 3.45T
-5.0% YoY
3.26T
2.99T – 3.56T
+0.6% YoY
3.26T
2.92T – 3.61T
-0.2% YoY
3.38T
3.06T – 3.72T
+3.9% YoY
2.86T
2.59T – 3.15T
-15.4% YoY
EBITDA
150.12B
est: 97.23B (+54.4%)
111.15B
est: 84.12B (+32.1%)
113.60B
est: 80.90B (+40.4%)
126.08B
est: 81.91B (+53.9%)
120.93B
est: 80.57B (+50.1%)
117.16B
est: 84.51B (+38.6%)
159.02B
est: 89.97B (+76.7%)
44.82B
est: 92.98B (-51.8%)
-81.07B
est: 98.55B (-182.3%)
157.54B
est: 465.14B (-66.1%)
192.98B
est: 592.63B (-67.4%)
563.17B
520.13B – 599.88B
-5.0% YoY
566.82B
519.17B – 618.39B
+0.6% YoY
565.63B
506.62B – 627.27B
-0.2% YoY
587.93B
532.48B – 646.78B
+3.9% YoY
497.18B
450.29B – 546.94B
-15.4% YoY
EBIT
150.12B
est: 74.67B (+101.1%)
111.15B
est: 64.60B (+72.0%)
97.36B
est: 62.13B (+56.7%)
110.29B
est: 62.91B (+75.3%)
102.82B
est: 61.88B (+66.2%)
98.51B
est: 64.90B (+51.8%)
139.18B
est: 69.10B (+101.4%)
24.62B
est: 71.40B (-65.5%)
-102.25B
est: 75.68B (-235.1%)
136.51B
est: 447.10B (-69.5%)
171.10B
est: 569.65B (-70.0%)
541.33B
499.96B – 576.61B
-5.0% YoY
544.84B
499.03B – 594.41B
+0.6% YoY
543.69B
486.97B – 602.94B
-0.2% YoY
565.13B
511.83B – 621.69B
+3.9% YoY
477.90B
432.83B – 525.73B
-15.4% YoY
Net Income
94.22B
est: 69.05B (+36.4%)
72.55B
est: 64.76B (+12.0%)
75.19B
est: 66.01B (+13.9%)
77.58B
est: 63.65B (+21.9%)
72.83B
est: 67.48B (+7.9%)
67.10B
est: 55.65B (+20.6%)
108.51B
est: 138.79B (-21.8%)
14.18B
est: 12.44B (+13.9%)
-132.15B
est: -143.62B (+8.0%)
98.78B
est: 113.99B (-13.3%)
126.41B
est: 129.57B (-2.4%)
131.68B
127.20B – 163.66B
+1.6% YoY
155.52B
136.34B – 185.66B
+18.1% YoY
165.62B
148.78B – 207.46B
+6.5% YoY
204.32B
192.37B – 216.28B
+23.4% YoY
218.84B
192.01B – 247.31B
+7.1% YoY
SGA
188.99B
188.61B
— – —
— – —
— – —
— – —
— – —
EPS
141.35
est: 131.97 (+7.1%)
111.00
est: 123.77 (-10.3%)
117.81
est: 126.17 (-6.6%)
124.23
est: 121.65 (+2.1%)
118.50
est: 128.97 (-8.1%)
111.31
est: 106.36 (+4.7%)
181.54
est: 265.26 (-31.6%)
24.39
est: 23.79 (+2.5%)
-237.31
est: -274.47 (+13.5%)
183.13
est: 213.07 (-14.0%)
241.72
est: 241.75 (0.0%)
280.93
255.86 – 329.22
+16.2% YoY
329.88
274.25 – 373.47
+17.4% YoY
358.91
299.29 – 417.32
+8.8% YoY
411.00
386.95 – 435.05
+14.5% YoY
440.20
386.23 – 497.47
+7.1% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-15 B- 3/5 1/5 3/5 3/5 3/5 2/5 3/5
2026-05-14 B- 3/5 1/5 3/5 3/5 3/5 2/5 3/5
2026-05-13 B- 2/5 1/5 2/5 3/5 3/5 2/5 3/5
2026-05-12 B- 2/5 1/5 2/5 3/5 3/5 2/5 3/5
2026-05-11 B- 2/5 1/5 2/5 3/5 3/5 2/5 3/5
2026-05-08 B- 2/5 1/5 2/5 3/5 3/5 2/5 3/5
2026-05-07 B- 2/5 1/5 2/5 3/5 3/5 2/5 3/5
2026-05-01 B- 3/5 1/5 3/5 3/5 3/5 2/5 3/5
2026-04-30 B- 3/5 1/5 3/5 3/5 3/5 2/5 3/5
2026-04-28 B- 3/5 1/5 3/5 3/5 3/5 2/5 3/5
2026-04-27 B- 3/5 1/5 3/5 3/5 3/5 2/5 3/5
2026-04-24 B- 2/5 1/5 3/5 3/5 2/5 2/5 3/5
2026-04-23 B- 3/5 1/5 3/5 4/5 2/5 2/5 3/5
2026-04-22 B- 3/5 1/5 3/5 4/5 2/5 2/5 3/5
2026-04-21 B- 3/5 1/5 3/5 4/5 2/5 2/5 3/5
2026-04-20 B- 3/5 1/5 3/5 4/5 2/5 2/5 3/5
2026-04-17 B- 3/5 1/5 3/5 4/5 2/5 2/5 3/5
2026-04-16 B- 3/5 1/5 3/5 4/5 2/5 2/5 3/5
2026-04-15 B- 3/5 1/5 3/5 4/5 2/5 2/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
26.79B
OE per share TTM
49.78
Owner's Yield
1.40%
Maintenance CapEx ratio
174.25%
Maint CapEx / Avg PPE
15.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
9.73M
Shares Outstanding
479.84M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Daisuke Sasaki Chief Accountant
Hotaka Nagai Head of Finance, Senior Managing Executive Officer & Director male
Iwao Kanazawa Managing Executive Officer
Masahiko Moriyama President & Representative Director male
Satoshi Ito General Manager of Investor Relations Department male
Shuichi Nakamura Managing Executive Officer male
Tomoyasu Isobe Senior Managing Executive Officer male
Toshikatsu Imai Executive Officer
Yasuhiro Mori Senior Managing Executive Officer
Yoko Futami Director and Managing Executive Officer female
Yoshitaka Moriya Managing Executive Officer
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits