T&D Holdings (8795) Stock Price, Fundamentals & Analysis

What 8795 does

T&D Holdings (8795) is a life insurance company listed on the Tokyo Stock Exchange. Through its subsidiaries, it provides a wide range of insurance products and services in Japan, including personal, individual pension, group, and group annuity insurance. Its offerings cover asset-building and pension policies, medical and disability coverage, reinsurance, living benefit guarantees, and in-force individual insurance and annuity contracts. The company is also active in health care, dementia prevention, cancer and serious illness prevention insurance, asset management, closed book management, and pet insurance. Founded in 2004, T&D Holdings (8795) is headquartered in Tokyo, Japan, and employs 21,268 people. It operates in the Financial Services sector, Insurance - Life industry, and sits alongside peers such as Tokio Marine Holdings (8766) and MS&AD Insurance Group Holdings (8725) on the Tokyo exchange.

Key numbers explained

• Price is currently 4,993 JPY, up +2.38% today and 40.5% over the last 52 weeks, which spanned a low of 3,186 to a high of 5,176.
• The P/E ratio (trailing) is 17.9, meaning the current share price is about 17.9 times the earnings per share of 279.61 JPY from the past 12 months. The forward P/E ratio of 20.2 reflects expected future earnings.
• The dividend yield is 3.28%, indicating the annual dividend relative to the share price. The ex-dividend date is Sep 29, 2026, and 47% of earnings are paid out as dividends.
• Market capitalization stands at 2.37T JPY, showing the total value of all outstanding shares.
• The profit margin is 5.1% and the operating margin is 18.3%, indicating how much of each yen of revenue translates into profit at the operating and net levels.
• Return on equity is 9.3%, measuring how effectively the company generates profit from shareholders' equity. The debt-to-equity ratio is 13.9%, reflecting a relatively conservative level of leverage.
• The price-to-book ratio is 1.43, meaning the stock trades at 1.43 times its book value.

What to watch

Several factors can influence a life insurance stock like T&D Holdings (8795). Interest rate movements matter because insurers earn returns on their large investment portfolios; rising or falling rates affect both investment income and the value of fixed-income holdings. The beta of 0 indicates the stock has shown little price movement relative to the broader market in the data period. Revenue trends are worth monitoring — trailing 12-month revenue of 2.82T JPY declined -12% year over year, which could reflect changes in policy sales or market conditions. The upcoming earnings date of Nov 13, 2026 will provide updated results. For broader context, investors may compare T&D Holdings (8795) with peers such as Credit Saison (8253) or Fukuoka Financial Group (8354), or view the broader Tokyo Stock Exchange stocks.