Overview
Insurance

Sony Financial Group Inc.

Sony Financial Group Inc. is a financial holding company with core subsidiaries in life insurance (Sony Life Insurance), non-life insurance (Sony Casualty Insurance), and banking (Sony Bank), as well as nursing care and venture capital businesses. Sony Life provides customized, consulting-based life insurance through dedicated life planners, while Sony Casualty Insurance offers auto, fire, and medical insurance primarily via internet and telephone channels. Sony Bank delivers online banking services including deposits, housing loans, investment trusts, and foreign exchange margin trading, with the group also conducting nursing care operations and venture capital investment.

Market Cap
¥969B
US$6.18B
EV
¥—B
Stock¥144.5▲+0.77%
US$1 = ¥156.80 (2026-10-23)
ROE
10.2%
* LTM NI / end-of-period equity
PBR
1.1
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▼-25.2%pt
100
Oct 24, 25 – Oct 23, 26StockTOPIX
AI Briefing
Sony-branded financial holding co spanning life/non-life insurance, online banking, nursing care & VC, anchored by Sony Life's consultative insurance model. FY26/3 revenue ¥2,871B, rebounding off FY25/3's ¥2,619B but still below FY24/3's ¥3,450B peak — choppy top line. Sony Group retains 17.39% stake; market cap ¥1,002B vs ¥876B equity reflects steady, not cheap, financial-services valuation.
Performance & Balance
Revenue 5Y (¥B)
1,781US$11.4B'20/32,138US$13.6B'23/33,450US$22.0B'24/32,619US$16.7B'25/32,871US$18.3B'26/3
Net Income 5Y (¥B)
74.4US$475M'20/3119US$756M'23/341.2US$263M'24/378.8US$502M'25/355.5US$354M'26/3
Capital Structure
50%
50%
EquityD/E 0.98xDebt
Liquidity vs Debt 5Y (¥B)▼ Net Debt
CashInv. Sec.Debt
'20/3756US$4.82B'23/3913US$5.83B'24/31,202US$7.67B136US$870M'25/3483US$3.08B206US$1.32B'26/3
Shareholders
Top 10 hold 43.3%
1
SONY GROUP CORPORATION
17.39%
2
The Master Trust Bank of Japan, Ltd. (Trust Account)
12.93%
3
Custody Bank of Japan, Ltd. (Trust Account)
3.45%
4
MOXLEY AND CO LLC (Standing Proxy: MUFG Bank, Ltd.)
2.80%
5
BNYM AS AGT/CLTS NON TREATY JASDEC (Standing Proxy: MUFG Bank, Ltd.)
1.42%
6
STATE STREET BANK AND TRUST COMPANY 505103 (Standing Proxy: Mizuho Bank, Ltd.)
1.27%
7
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
1.25%
8
STATE STREET BANK AND TRUST COMPANY 505001 (Standing Proxy: Mizuho Bank, Ltd.)
1.05%
9
BANK JULIUS BAER AND CO. LTD. SINGAPORE CLIENTS (Standing Proxy: MUFG Bank, Ltd.)
0.91%
10
THE BANK OF NEW YORK MELLON 140044 (Standing Proxy: Mizuho Bank, Ltd.)
0.85%
Management
8 officers
Toshihide ENDO
Director
Apr 1982 Joined Ministry of Finance (now Ministry of Finance) Jul 2002 Director, Special Investigation Division, Securities and Exchange Surveillance Commission, Financial Services Agency (FSA) Jul 2004 Counselor, Planning and Coordination Bureau (Financial Crisis Response, Supervisory Bureau), FSA Nov 2004 Counselor, Planning and Coordination Bureau (Financial Crisis Response, Supervisory Bureau) and Director, International Supervision Office, General Affairs Division, Supervisory Bureau, FSA Aug 2005 Director, First Banking Division, Supervisory Bureau, FSA Jul 2007 Counselor, Planning and Coordination Bureau (Credit System), FSA; concurrently Counselor, Credit System, and Director, Trust Law Preparation Office, Planning Division Jul 2008 Director, General Affairs Division, Inspection Bureau, FSA Jul 2009 Director, General Affairs Division, Planning and Coordination Bureau, FSA Jul 2010 Counselor, Planning and Coordination Bureau (Supervisory Bureau), FSA Aug 2011 Deputy Commissioner, Planning and Coordination Bureau (Supervisory Bureau), FSA Jun 2013 Securities Exchange Supervisor, Kanto Local Finance Bureau, Ministry of Finance; concurrently Deputy Commissioner, Planning and Coordination Bureau (Planning, Markets, Secretariat), FSA Jul 2014 Director-General, Inspection Bureau, FSA Jul 2015 Director-General, Supervisory Bureau, FSA Jul 2018 Commissioner, FSA Jul 2020 Adviser, FSA Nov 2020 Senior Adviser, Sony Corporation (now Sony Group Corporation) Adviser, Ricky Business Solutions Inc. Adviser, Fukoku Mutual Life Insurance Company Adviser, Gintec Co., Ltd. Adviser, Topaz Capital Co., Ltd. Jan 2021 Adviser, Tokio Marine & Nichido Fire Insurance Co., Ltd. Outside Officer, Norinchukin Value Investments Co., Ltd. Mar 2021 Adviser, Uryu & Itoga Law Office Adviser, Tigron Partners Inc. May 2021 Adviser, KPMG Japan (KPMG Tax Corporation, KPMG AZSA LLC) Oct 2021 Advisory Board Member, justInCase Inc. Apr 2022 Outside Director, D-Carret DCP Inc. Oct 2022 Regional Advisor and Advisory Board Member, Goldman Sachs Japan Co., Ltd. Jun 2023 Representative Director, President and CEO, the Company Director (current), Sony Life Insurance Co., Ltd. Director (current), Sony Assurance Inc. Director (current), Sony Bank Inc. Director (current), Sony Life Care Inc. Representative Director, President, Sony Financial Ventures Inc. Advisory Board Member, Goldman Sachs Japan Co., Ltd. Apr 2024 Outside Director, Nakano Asset Management Co., Ltd. (current) Oct 2024 Director, Representative Executive Officer, President and CEO, the Company (current) Apr 2025 Director, Sony Financial Ventures Inc. (current)
1959-01-27
Yoshihiko HAYAKAWA
Director
Apr 1990 Joined Sakura Bank, Ltd. (now Sumitomo Mitsui Banking Corporation) Feb 2001 Joined Sony Corporation (now Sony Group Corporation) Jul 2008 Vice President and Treasurer, Sony Global Treasury Services New York Inc. Mar 2013 Executive Officer, Nidec Shimpo Corporation (now Nidec Drive Technology Corporation); concurrently Director, Nidec Minster Corporation Jun 2018 Rejoined Sony Corporation (now Sony Group Corporation), General Manager, Treasury Division Jul 2020 Vice President and Senior General Manager, Treasury Division, Sony Corporation Apr 2022 Executive Officer, Finance and IR, Sony Group Corporation Apr 2025 Corporate Executive, Finance and IR, Sony Group Corporation Jun 2025 Director, the Company Sep 2025 Director, Executive Officer and CFO, the Company (current) Oct 2025 Director (current), Sony Life Insurance Co., Ltd. Director (current), Sony Assurance Inc. Director (current), Sony Bank Inc.
1967-10-26
Shogo IKEUCHI
Director
Apr 1988 Joined Recruit Co., Ltd. (now Recruit Holdings Co., Ltd.) Apr 2005 Executive Officer, Corporate Planning and Business Administration, Recruit Co., Ltd. Jun 2012 Director and Executive Officer, Global (Asia), Corporate Planning and HR Support, Recruit Co., Ltd. Oct 2012 Director and Executive Officer, Global, Corporate Planning, R&D and HR, Recruit Holdings Co., Ltd. Apr 2013 Director and Managing Executive Officer, Mid- to Long-Term Strategy, Overseas Business, R&D, Corporate Planning and HR, Recruit Holdings Co., Ltd. Apr 2014 Director and Managing Executive Officer, Overseas Business and R&D, Recruit Holdings Co., Ltd. Apr 2015 Director and Managing Executive Officer, R&D, Corporate Planning and HR, Recruit Holdings Co., Ltd. Apr 2016 Director and Senior Managing Executive Officer, Corporate Planning, HR and R&D, Recruit Holdings Co., Ltd. Apr 2017 Director and Senior Managing Executive Officer, Corporate Planning and HR, Recruit Holdings Co., Ltd. May 2017 Director and Senior Managing Executive Officer, Corporate Planning (CSO) and HR (CHRO), Recruit Holdings Co., Ltd. Apr 2019 Director and Senior Managing Executive Officer, HR and General Affairs (CHRO), Recruit Holdings Co., Ltd. Jun 2019 Outside Director, the Company (current) Apr 2020 Director and Adviser, Recruit Holdings Co., Ltd. Outside Director (current), AnyMind Group Inc. Jun 2020 Adviser, Recruit Holdings Co., Ltd. Sep 2020 Representative Director, President and CEO, JIC Capital Co., Ltd. (current) Jun 2024 Director, JSR Corporation (current)
1962-06-06
Kazuhiro YOSHIZAWA
Director
Apr 1979 Joined Nippon Telegraph and Telephone Public Corporation Jun 2007 Executive Officer, Head of Second Corporate Sales Department, NTT DOCOMO, INC. Jun 2011 Director and Executive Officer, Head of Human Resources, NTT DOCOMO, INC. Jun 2012 Director and Managing Executive Officer, Head of Corporate Planning; in charge of Mobile Society Research Institute, NTT DOCOMO, INC. Jul 2013 Director and Managing Executive Officer, Head of Corporate Planning and Business Reform; in charge of Mobile Society Research Institute, NTT DOCOMO, INC. Jun 2014 Representative Director and Senior Executive Vice President, in charge of Technology, Devices and Information Strategy, NTT DOCOMO, INC. Jun 2016 Representative Director, President, NTT DOCOMO, INC. Dec 2020 Director, NTT DOCOMO, INC. Jun 2021 Adviser, NTT DOCOMO, INC. (current) Outside Director, the Company (current) Jul 2021 Adviser, Daiwa House Industry Co., Ltd. Jun 2022 Outside Director, PERSOL Holdings Co., Ltd. (current) Outside Director, Daiwa House Industry Co., Ltd. (current)
1955-06-21
Yasuyuki HAYASE
Director
Apr 1980 Joined Mitsui Bank, Ltd. (now Sumitomo Mitsui Banking Corporation) Jul 1999 Group Leader, Loan Planning Division, Mitsui Bank, Ltd. Apr 2001 Deputy General Manager, Head Office Sales Division I, Sumitomo Mitsui Banking Corporation Jun 2002 Deputy General Manager, Head Office Sales Division III, Sumitomo Mitsui Banking Corporation Apr 2003 General Manager, Kumamoto Corporate Sales Department, Sumitomo Mitsui Banking Corporation Jun 2005 General Manager, Mitadori Corporate Sales Department, Sumitomo Mitsui Banking Corporation Apr 2007 General Manager, Investment and Financing Planning Department, Sumitomo Mitsui Banking Corporation Jun 2010 Standing Corporate Auditor, Sumitomo Mitsui Banking Corporation Jun 2012 Representative Director, President, Sakura Card Co., Ltd. Jun 2015 Standing Audit & Supervisory Board Member, the Company Audit & Supervisory Board Member (current), Sony Life Insurance Co., Ltd. Audit & Supervisory Board Member (current), Sony Assurance Inc. Audit & Supervisory Board Member (current), Sony Bank Inc. Oct 2024 Outside Director, the Company (current)
1957-05-30
Miho NIUYA
Director
Apr 1993 Registered as attorney; joined Tokyo Aoyama Aoki & Partners (now Baker & McKenzie Law Office) Jul 1997 Baker & McKenzie Consultants, Indonesia Jan 1998 Baker & McKenzie, Singapore Dec 2000 Partner, Tokyo Aoyama Aoki & Partners (now Baker & McKenzie Law Office) Nov 2002 Senior Partner, Atsumi & Sakai Foreign Law Joint Enterprise (current) Jan 2020 Outside Director, Park24 Co., Ltd. (current) Jun 2023 Audit & Supervisory Board Member, the Company Oct 2024 Outside Director, the Company (current)
1964-08-31
Sonoko KAJIYAMA
Director
Apr 1991 Joined Fujitsu Limited Oct 2002 Joined Asahi Audit Corporation (now KPMG AZSA LLC) Mar 2013 Joined LIXIL Group Corporation Jan 2018 General Manager, Quality Assurance Department, Internal Audit Division, LIXIL Group Corporation Jul 2019 Secretary General, Group Audit Committee, LIXIL Group Corporation Auditor, LIXIL TEPCO Smart Partners Co., Ltd. Apr 2020 Global Vice President, Planning and Quality, Internal Audit Department, Olympus Corporation Jun 2020 Senior Director, Internal Audit China, Internal Audit Department, Olympus Corporation Auditor, Sony Olympus Medical Solutions Inc. Dec 2023 Deputy Chief Internal Audit Officer and Senior Vice President, Olympus Corporation Mar 2024 Full-time Outside Audit & Supervisory Board Member (current), McDonald's Holdings Company (Japan), Ltd. Audit & Supervisory Board Member (current), McDonald's Company (Japan), Ltd. Jun 2024 Outside Audit & Supervisory Board Member (current), Itochu Enex Co., Ltd. Jun 2025 Outside Director, the Company (current) Outside Director (current), Yokogawa Bridge Holdings Corp.
1968-05-03
Kozo TAKAOKA
Director
Apr 1983 Joined Nestle Japan Ltd. Jan 2005 Representative Director, President, Nestle Confectionery Co., Ltd. Jan 2010 Representative Director, Executive Vice President (Head of Beverage Business), Nestle Japan Ltd. Nov 2010 Representative Director, President and CEO, Nestle Japan Ltd. Apr 2015 Representative Director, K&Company Co., Ltd. (current) Aug 2019 Representative Director, KT Digital Co., Ltd. (current) Mar 2020 Retired from Nestle Japan Ltd. (Representative Director, President and CEO) Dec 2020 Outside Director, CyberAgent, Inc. (current) Jun 2025 Outside Director, the Company (current)
1960-03-30
Large Shareholding Reports
BlackRock Japan Co., Ltd.
2026-06-05
1.75%→1.60%
BlackRock Japan Co., Ltd.
2025-10-03
1.75%
Sony Group Corporation
2025-10-01
100.00%→16.40%
Annual report (as of 2026-03-31): 17.39%
Sony Group Corporation
2025-10-01
100.00%
Annual report (as of 2026-03-31): 17.39%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-10
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-17
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2026-06-05
Large Shareholding Report
TDnet
2026-06-02
株主総会招集通知
TDnet
2026-02-13
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-27
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2025-10-03
Large Shareholding Report
EDINET
2025-10-01
Large Shareholding Report
EDINET
2025-10-01
Large Shareholding Report
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