Component A, Component B, Component C, and Component D below Component A: Inorganic UV scattering agent Component B: Anion-modified cellulose nanofiber component C having an average fiber diameter of 2 to 500 nm C: Surfactant component D: Contains an oil component The oil-in-water type sunscreen cosmetic improves the feeling of use such as stickiness and whitening at the time of application while incorporating an inorganic UV scattering agent, and also suppresses the precipitation and aggregation of the UV absorber to protect it against UV rays. It is an oil-in-water type sunscreen cosmetic with improved properties.下記成分A、成分B、成分C、および成分D成分A:無機紫外線散乱剤成分B:平均繊維径が2~500nmのアニオン変性セルロースナノファイバー成分C:界面活性剤成分D:油性成分を含有する、水中油型日焼け止め化粧料により、無機紫外線散乱剤を配合しながらも、塗布時のべたつきや白浮き等の使用感を改善し、また、紫外線吸収剤の沈殿や凝集を抑えて紫外線防御能を向上した水中油型日焼け止め化粧料となる。