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T&Ds

TYO:8795 · JP3539220008
InsuranceLarge

360

66
Profit price41
Owner Earnings Yield10
Dividend Yield71
Price/Sales85
EV / Gross Profit83
Price/Book64
Returns on capital50
Profit margins48
Cash Conversion46
Accruals22
Owner Earnings Margin31
Sales growth23
Profit Growth75
Long-Term EPS Growth59
Reinvestment56
Price momentum69
Debt load76
Debt serviceability68
Liquidity91
Analyst ratings59
Opinion Changes50
Price Target Upside31
Market mood66
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

T&Ds generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryJapan
IndustryInsurance
SizeLarge
TypePublic Company
ExchangeTSE
Founded2004
Websitetd-holdings.co.jp
ISINJP3539220008
Last UpdateApr 2, 2026
Indices
Nikkei 225 (Japan)
Themes
InsurtechHealth InsuranceLife Insurance

Description

T&D Holdings, Inc. (T&D) is an insurance group that primarily provides a range of life and non-life insurance products and services, as well as asset management solutions. The company operates through several subsidiaries, including Taiyo Life, Daido…

Analysis

Middle-of-the-road

T&D Holdings, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 14.2×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 2% a year, against analyst forecasts of 7%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is sturdy. The company scores 17/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
13
2023202420252026

All-time high

17

Jan 2023

All-time low

13

Mar 2026

Average rank

14

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
85
85
87
84
Price/Earnings
49
47
53
50
Price/Book
64
54
59
79
Dividend Yield
71
52
37
31
Value (overall)
83
77
75
67

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →