MS&AD Insurance Group Holdings Inc (JP:8725)
:8725
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MS&AD Insurance Group Holdings
(8725)
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Rating:78Outperform
Price Target:
¥4,839.00
▲(25.66% Upside)
Action:Reiterated
Date:05/24/26
The score is driven primarily by improved financial performance (faster growth and a significant uplift in margins/ROE) and an attractive valuation (low P/E and strong dividend yield). Technicals add support with price above key moving averages and neutral-to-positive momentum, while historical cash-flow variability and prior earnings volatility temper the overall rating.
Positive Factors
Accelerating Revenue Growth
Sustained revenue acceleration indicates improving market penetration and product uptake across P&C and life lines. Over 2-6 months this underpins premium base stability, supports scale economics, and provides durable top-line momentum to fund underwriting and investment needs.
Negative Factors
Historical Earnings and Margin Volatility
Pronounced year-to-year swings in margins and earnings highlight sensitivity to underwriting results, claims cost and investment returns. That variability tempers confidence in forward earnings predictability and requires larger capital buffers to absorb shocks over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating Revenue Growth
Sustained revenue acceleration indicates improving market penetration and product uptake across P&C and life lines. Over 2-6 months this underpins premium base stability, supports scale economics, and provides durable top-line momentum to fund underwriting and investment needs.
Read all positive factors
MS&AD Insurance Group Holdings (8725) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥6.30T
Dividend Yield2.59%
Average Volume (3M)3.86M
Price to Earnings (P/E)7.9
Beta (1Y)1.33
Revenue Growth21.58%
EPS Growth19.34%
CountryJP
Employees38,391
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)461.21
Shares Outstanding1,492,551,800
10 Day Avg. Volume3,912,120
30 Day Avg. Volume3,855,210
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)1.26
Price to Sales (P/S)0.83
P/FCF Ratio8.22
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥4,868.57Price Target Upside26.42% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)448.05
Revenue Forecast (FY)¥6.89T
MS&AD Insurance Group Holdings Business Overview & Revenue Model
Company Description
MS&AD Insurance Group Holdings, Inc., an insurance holding company, provides insurance and financial services worldwide. The company offers fire and allied, marine, personal accident, voluntary automobile, compulsory automobile liability, and othe...
How the Company Makes Money
The company makes money primarily through its insurance operations and investment activities conducted by its major insurance subsidiaries.
1) Underwriting income (insurance premiums minus claims and expenses)
- Non-life insurance: The group coll...
MS&AD Insurance Group Holdings Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.57T | 7.21T | 6.38T | 6.12T | 5.11T | 4.85T |
| Gross Profit | 3.22T | 4.04T | 3.09T | 2.98T | 2.27T | 2.31T |
| EBITDA | 946.16B | 1.18T | 1.04T | 593.74B | 413.98B | 482.62B |
| Net Income | 710.17B | 787.34B | 691.66B | 369.27B | 211.01B | 262.80B |
Balance Sheet | ||||||
| Total Assets | 26.33T | 28.64T | 26.24T | 26.96T | 24.35T | 25.03T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 4.90T | 2.14T | 2.91T | 2.77T | 2.36T |
| Total Debt | 590.32B | 998.41B | 831.39B | 744.14B | 821.10B | 1.01T |
| Total Liabilities | 22.20T | 23.82T | 22.19T | 22.45T | 21.21T | 21.73T |
| Stockholders Equity | 4.08T | 4.77T | 4.00T | 4.47T | 3.09T | 3.26T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 730.43B | 634.99B | 526.59B | 169.53B | 208.58B |
| Operating Cash Flow | 0.00 | 762.61B | 660.19B | 549.47B | 194.15B | 236.71B |
| Investing Cash Flow | 0.00 | -567.79B | -360.92B | -178.37B | 453.78B | 148.95B |
| Financing Cash Flow | 0.00 | -129.23B | -659.40B | -227.16B | -312.03B | 58.55B |
MS&AD Insurance Group Holdings Technical Analysis
Positive
3851.00
Price Trends
4119.30
Positive
4042.81
Positive
3688.32
Positive
Market Momentum
53.22
Positive
55.02
Neutral
31.59
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8725, the sentiment is Positive. The current price of 3851 is below the 20-day moving average (MA) of 4236.05, below the 50-day MA of 4119.30, and above the 200-day MA of 3688.32, indicating a bullish trend. The MACD of 53.22 indicates Positive momentum. The RSI at 55.02 is Neutral, neither overbought nor oversold. The STOCH value of 31.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8725.
MS&AD Insurance Group Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥6.30T | 7.89 | 16.97% | 2.59% | 21.58% | 19.34% | |
77 Outperform | ¥13.53T | 13.62 | 20.81% | 3.33% | -1.60% | -4.78% | |
74 Outperform | ¥6.01T | 13.49 | 10.61% | 3.26% | 10.30% | 3.49% | |
74 Outperform | ¥5.49T | 8.29 | ― | 2.82% | ― | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥2.01T | 14.55 | 7.91% | 2.74% | -6.35% | 16.15% | |
46 Neutral | ¥1.58T | 9.18 | ― | 2.44% | -12.57% | 42.29% |
* Financial Sector Average
JP:8725
MS&AD Insurance Group Holdings
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MS&AD Insurance Group Holdings Corporate Events
MS&AD Sets 2030 Vision and 2026 Plan as Core Non-Life Units Prepare Merger
May 20, 2026
MSAD Insurance Group has unveiled its Group Vision for fiscal 2030 and an accompanying management plan for fiscal 2026, setting out qualitative and quantitative goals to transform its business model and earnings structure. The company aims to be t...
MS&AD to Rebrand as Mitsui Sumitomo Insurance Group and Relocate Headquarters
May 20, 2026
MSAD Insurance Group Holdings plans to amend its Articles of Incorporation to support a major restructuring of its core non-life insurance operations. The company’s board has approved proposals to change the group’s trade name and relo...
MS&AD Sets ¥190 Billion Share Buyback Within Wider FY2026 Capital Return Plan
May 20, 2026
MSAD Insurance Group Holdings has approved a significant share repurchase program as part of its established shareholder return policy, which allocates 50% of underlying profits to dividends and buybacks. From fiscal 2026 onward, the company will ...
MS&AD Raises Year-End Dividend, Lifting Full-Year Payout to 160 Yen
May 20, 2026
MSAD Insurance Group Holdings has approved a year-end dividend of 82.50 yen per share for the fiscal year ended March 31, 2026, up from the prior year’s 72.50 yen and above its earlier forecast of 77.50 yen. Subject to shareholder approval a...
MS&AD boosts revenue on strong overseas premiums for FY2026
May 20, 2026
MSAD Insurance Group Holdings reported a sharp rise in ordinary income for the year ended March 31, 2026 compared with the prior year, driven mainly by higher net premiums written at its overseas consolidated subsidiaries. Ordinary income climbed ...
MS&AD details FY2025 results and forecasts across core insurance units
May 20, 2026
MSAD Insurance Group Holdings released explanatory materials detailing its consolidated business results for the year ended March 31, 2026, including performance data for domestic non-life, domestic life, and overseas insurance subsidiaries. The d...
MS&AD boosts profit, dividends and shifts to IFRS reporting
May 20, 2026
MSAD Insurance Group Holdings reported consolidated ordinary income of ¥7.65 trillion and ordinary profit of ¥1.12 trillion for the year ended March 31, 2026, with net income attributable to shareholders rising to ¥787.3 billion. To...
MS&AD Lifts FY2025 Earnings Outlook on Lower Disaster Losses and Overseas Growth
May 11, 2026
MSAD Insurance Group Holdings has sharply raised its consolidated earnings forecasts for the fiscal year ending March 31, 2026, citing stronger-than-expected performance. The company now expects ordinary profit of ¥1.12 trillion and net incom...
MS&AD to Shift Consolidated Reporting to IFRS from FY 2025
Mar 30, 2026
MSAD Insurance Group Holdings has decided to voluntarily adopt International Financial Reporting Standards, replacing Japanese GAAP for its consolidated financial statements starting with the annual securities report for the fiscal year ending Mar...
MS&AD Completes ¥135 Billion Share Buyback at Full Budget Limit
Mar 24, 2026
MSAD Insurance Group Holdings has completed the latest phase of its share buyback program, purchasing 8,443,600 of its own common shares for approximately JPY 34.3 billion between March 1 and March 23, 2026. This transaction brings the total execu...
MS&AD Advances Share Buyback, Spending Over JPY 100 Billion
Mar 4, 2026
MSAD Insurance Group Holdings has reported progress on its ongoing share repurchase program, acquiring 6,804,100 of its own common shares in February 2026 for a total consideration of JPY 28.5 billion. This move is part of a broader capital manage...
MS&AD Revamps Top Management to Strengthen Strategy, Digital and Global Operations
Feb 27, 2026
MSAD Insurance Group Holdings announced a series of senior management changes, including new outside director appointments and departures to be finalized at the June 2026 shareholders’ meeting. The reshuffle is part of a broader reorganizati...
MS&AD’s Mitsui Sumitomo Insurance to Raise EUR 1.4 Billion in Euro Bond Offering
Feb 27, 2026
MSAD Insurance Group Holdings said that its core subsidiary Mitsui Sumitomo Insurance will issue euro-denominated senior unsecured bonds totaling EUR 1.4 billion, split between a four-year EUR 600 million tranche and an eight-year EUR 800 million ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.