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MS&AD Insurance

TYO:8725 · JP3890310000
InsuranceLarge

360

16
Profit price83
Owner Earnings Yield46
Dividend Yield59
Price/Sales77
EV / Gross Profit92
Price/Book68
Returns on capital69
Profit margins35
Cash Conversion24
Accruals48
Owner Earnings Margin51
Sales growth16
Profit Growth75
Long-Term EPS Growth8
Reinvestment32
Price momentum50
Debt load71
Debt serviceability15
Liquidity85
Analyst ratings30
Opinion Changes50
Price Target Upside6
Market mood31
Value Creation20/20strong 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

MS&AD Insurance 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
Founded2008
Employees112
Websitems-ad-hd.com/ja/index.html
ISINJP3890310000
Last UpdateApr 2, 2026
Indices
Nikkei 225 (Japan)TOPIX 100 (Japan)
Themes
Insurance

Description

MS&AD Insurance Group Holdings, Inc., an insurance holding company, provides insurance and financial services worldwide. Domestic Non-Life Insurance Business The company’s domestic non-life insurance business is operated by the three subsidiaries a…

Analysis

Bargain bin

MS&AD Insurance Group Holdings, Inc. falls in the bargain bin: the price is low relative to peers, but the business metrics give reason to pause.

The price is attractive. You pay 7.2× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -8% yearly growth; analysts expect -5%. The price, in other words, assumes less than the experts do.

The trajectory is tepid and the balance sheet is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
42
2023202420252026

All-time high

53

Mar 2026

All-time low

42

Jun 2026

Average rank

45

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
77
82
83
89
Price/Earnings
80
87
60
74
Price/Book
68
64
70
72
Dividend Yield
59
73
70
61
Value (overall)
74
89
85
75

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 →