Tokio Marine Holdings

TKOMY

Insurance - Property & Casualty · Financial Services

Price

$49.07

+0.13 (+0.27%)

Market Cap

$93.22B

Exchange

Other OTC

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 13, 2026 · filings through Mar 31, 2026

Share count falling — buybacks

−7.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 2.06B (2022) → 1.90B (2026)

Tokio Marine Holdings is one of the largest insurance companies in Japan and among the biggest in the world. It sells property and casualty insurance — things like car insurance, home insurance, and business insurance — to individuals and companies. It also owns well-known international brands, including Philadelphia Insurance Companies in the United States and Delphi Financial Group.

The company makes money by collecting insurance premiums from customers and investing those funds until claims need to be paid. Tokio Marine operates across Asia, North America, Europe, and other regions, with Japan still making up a large share of its business. Its long history, strong brand recognition in Japan, and growing international portfolio give it a competitive edge over smaller rivals. A key growth driver is its continued expansion in overseas markets, particularly in the United States, though rising natural disaster claims from climate-related events remain a significant ongoing risk to profitability.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-35.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-46.1% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.1%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$26.8T cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Tokio Marine Holdings's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

10.8%

Thin — 10.8% gross margin

Operating Margin

11.8%

Modest — 11.8% operating margin

ROCE

2.5%

Weak — 2.5% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+26.9%

Fast-growing sales (+26.9% YoY)

EPS YoY

-4.3%

Earnings shrinking (-4.3% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

0.04

Conservative — low debt load (0.04)

Interest Cover

141.65x

Comfortably covers interest (141.7x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

0.1x

Attractive valuation — P/E 0.1

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

+0.0

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

2.81%

Moderate income — 2.81% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+14.8%

Dividend growing fast (14.8% YoY)

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