MS&AD Insurance Group Holdings, Inc.

MS&AD Insurance Group Holdings, Inc.

28.81
EUR
+0.42
(+1.48%)
31.92BMarket Cap
Nov 19Next Earn
MS&AD Insurance Group Holdings, Inc.
HAM:59M
(Hamburg Stock Exchange)

Recent

price

28.81

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
JPY
1,786.16
1,855.43
2,247.1
2,329.12
2,508.9
2,633.17
2,933.92
2,842.38
3,065.93
2,694.61
2,847.66
3,013.29
1,042.48
3,997.47
8,415.28
10,032.39
- -
Revenue per Share
2.9
-90.83
44.82
50.19
73.78
99.57
116.98
86.68
109.58
82.79
85.27
158.17
43.51
232.88
445.52
528.87
- -
Basic EPS, GAAP
-52.7
-147.39
24.11
233.85
319.32
685.81
577.66
424.65
380.26
322.61
-245.06
93.63
23.2
292.96
368.38
451.21
- -
Free Cash Flow per Basic Share
20.47
17.98
17.99
18.34
19.06
23.72
35.1
44.95
45.08
48.54
50.15
54.33
22.01
73.87
122.71
151.04
- -
Dividend per Share
865.73
800.16
1,071.78
1,215.41
1,637.13
1,489.86
1,524.45
1,655.2
1,571.15
1,436.83
1,842.42
1,985.53
1,929.19
2,817.26
2,647.2
3,286.98
- -
Book Value per Share
798.97
725.77
976.53
1,118.83
1,538.31
1,201.58
1,289.72
1,346.01
1,259.67
1,177.51
1,584.49
1,715.6
1,619.65
2,507.91
2,330.89
2,974.27
- -
Tangible Book Value per Share
1,872
1,866
1,866
1,862
1,847
1,823
1,799
1,777
1,759
1,728
1,694
1,661
4,849
1,586
1,552
1,489
1,475
Basic Weighted Avg Shares
3,343,946
3,461,715
4,192,387
4,336,383
4,633,039
4,800,044
5,278,025
5,051,632
5,391,877
4,655,381
4,822,547
5,006,419
5,055,123
6,338,600
13,064,487
14,935,359
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
42,142
41,980
43,708
52,320
62,071
50,027
73,577
75,755
74,116
78,350
84,060
97,111
106,993
121,019
121,917
115,718
- -
Depreciation Expense
5,420
-169,469
83,625
93,451
136,247
181,516
210,447
154,057
192,705
143,030
144,398
262,799
211,006
369,266
691,657
787,339
- -
Net Income, GAAP
- -
- -
31.15
35.76
37.29
29.28
25.09
37.01
30.54
- -
26.8
28.13
27.65
19.35
23.22
24.74
- -
Effective Tax Rate (%)
0.16
-4.9
1.99
2.16
2.94
3.78
3.99
3.05
3.57
3.07
2.99
5.25
4.17
5.83
5.29
5.27
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
164,963
271,165
291,176
226,185
226,188
349,841
456,191
558,191
659,093
809,093
809,093
782,902
714,743
715,045
590,565
998,406
- -
LT Debt
1,633,381
1,512,134
2,021,625
2,285,832
3,036,663
2,725,274
2,734,432
2,968,387
2,778,047
2,494,038
3,126,657
3,302,749
3,139,501
4,513,562
4,052,835
4,825,140
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
4.27
4
4.82
5.88
6.89
4.76
5.71
- -
4.19
6.75
5.41
8.24
14.09
15.21
- -
Return on Capital (%)
0.37
-10.91
4.79
4.39
5.17
6.36
7.78
5.45
6.77
5.5
5.21
8.28
6.64
9.77
16.34
17.96
- -
Return on Common Equity (%)

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
790,190
998,406
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,488
1,451
1,441
Market Capitalization
- -
5,855,161
6,173,147

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,877,919
1,920,411
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.1%
10.66%
19.06%
Free Cash Flow
-5.85%
37.65%
17.46%
Net Income, GAAP
22.78%
47.69%
13.83%
Sales/Revenue/Turnover
15.29%
30.12%
14.32%
Total Cash Common Dividend
19.38%
22.99%
18.03%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
13,064,487
2026
- -
- -
- -
- -
14,935,359
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
445.52
2026
- -
- -
- -
- -
528.87
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
122.71
2026
- -
- -
- -
- -
151.04
2027
- -
- -
- -
- -
- -
Business
MS&AD Insurance Group Holdings, Inc. is a Japan-based insurance holding company primarily engaged in non-life and life insurance businesses through key subsidiaries Mitsui Sumitomo Insurance Co., Ltd., Aioi Nissay Dowa Insurance Co., Ltd., and others; it offers a comprehensive range of products including fire and allied insurance, personal accident insurance, marine insurance, compulsory and voluntary automobile liability insurance, individual life insurance, individual annuity insurance, and group insurance, alongside financial services and risk-related solutions such as digital insurance and parametric weather products. The company operates six main segments encompassing domestic non-life insurance, domestic life insurance, international business focused on property and casualty in Asia, Europe, and North America, financial services, and risk-related services; it maintains a broad distribution network of professional agents, financial institutions, and direct sales channels serving individual, corporate, and institutional customers primarily in Japan with significant global presence in emerging Asia, the US, and Europe. Founded in 2010 through the integration of Aioi, Nissay Dowa, and Mitsui Sumitomo entities and headquartered in Tokyo, Japan, MS&AD ranks as Japan's second-largest nonlife insurer by scale with historical ties to Mitsui, Sumitomo, and Toyota groups. Recent strategic developments include a March 2025 equity investment and expanded partnership with Coalition for cyber insurance innovation; an April 2025 agreement for Mitsui Sumitomo to acquire a 15% stake in W.R. Berkley Corp. for approximately $4 billion to bolster North American specialty insurance; a planned investment of up to 700 billion yen ($5 billion) to double US profits; a November 2025 acquisition of an 18% stake in Barings from MassMutual for $1.44 billion to enhance asset management capabilities; an ongoing merger of domestic subsidiaries to streamline operations, cut costs by 2027, and improve governance; and new share repurchase programs alongside dividend increases to boost shareholder returns.

Company News

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