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Sompo combines a large, expanding insurance platform with earnings that can vary materially with claims experience and investment results. Its capital-intensive balance sheet is supported by substantial investment assets, while ongoing share repurchases can amplify per-share earnings.
The latest results show a meaningful earnings expansion led by stronger insurance-service and finance contributions, with overseas insurance providing a larger share of activity. This extends Sompo’s existing diversified-insurance model rather than demonstrating a fundamental change in its financial economics.
Whether insurance-service profitability remains resilient if investment gains moderate.
| Metric | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| 3.1T | 3.5T | 3.3T | 3.5T | 3.5T | 3.8T | 4.3T | 4.6T | 4.7T | 5T | |
| 3.4T | 3.7T | 3.6T | 3.7T | 3.8T | 4.1T | 4.3T | 673B | 423.9B | 5.4T | |
| (3.1T) | (3.6T) | (3.4T) | (3.5T) | (3.6T) | (3.8T) | (4.3T) | (242B) | (296.8B) | (4.8T) | |
| (506.9B) | (608.7B) | (541.1B) | (540.5B) | (539.3B) | (572.4B) | (603.4B) | (99B) | (91.4B) | (141.9B) | |
| (2.5T) | (2.9T) | (2.7T) | (2.8T) | (2.9T) | (3.1T) | (3.5T) | — | — | (4.5T) | |
| (104.6B) | (107.3B) | (114.9B) | (117B) | (120.9B) | (122.1B) | (151.6B) | (142.9B) | (205.4B) | (153.9B) | |
| 251.4B | 156.4B | 212.9B | 206.6B | 228.8B | 330.5B | 65.5B | 431B | 127.1B | 637.3B | |
| (9.7B) | (14.5B) | (13.9B) | (14.2B) | (13.7B) | (15B) | (16B) | (11.3B) | (12.7B) | (18.3B) | |
| 9.7B | 14.5B | 13.9B | 14.2B | 13.7B | 15B | 16B | 11.3B | 12.7B | 18.3B | |
| (12.1B) | 2.9B | (7.4B) | (12.6B) | (27.3B) | (7.6B) | (5.7B) | (19.3B) | (4.9B) | (4.3B) | |
| 2.3B | (30.5B) | 10.4B | (2.7B) | 7.2B | 9.7B | 6.6B | — | — | — | |
| — | — | 1m | — | — | (1m) | (1m) | (1m) | — | 2m | |
| 232B | 114.3B | 202B | 177.2B | 194.9B | 317.6B | 50.4B | 400.5B | 109.6B | 614.7B | |
| (65.3B) | 22.3B | (59.7B) | (54B) | (52B) | (91B) | (22.2B) | (82.8B) | (85.1B) | (200.3B) | |
| 166.7B | 136.6B | 142.4B | 123.2B | 142.9B | 226.6B | 28.2B | 317.7B | 24.5B | 414.4B | |
| (313m) | 3.2B | 4.3B | (671m) | (407m) | (1.8B) | (1.7B) | (2.1B) | (2.1B) | (2.9B) | |
| 166.4B | 139.8B | 146.6B | 122.5B | 142.5B | 224.8B | 26.4B | 315.6B | 22.4B | 411.5B | |
| 139.57 | 120.36 | 130.66 | 111.30 | 132.39 | 214.62 | 26.13 | 318.34 | 23.16 | 450.70 |
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Stock intrinsic value is the real worth of a company's stock, based on its financial health and performance.
Instead of looking at the stock's current market price, which can change due to people's opinions and emotions, intrinsic value helps us understand if a stock is truly a good deal or not.
By focusing on the company's actual financial strength, like its earnings and debts, we can make better decisions about which stocks to buy and when.
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