MS&AD Insurance Group Holdings (8725) AI Stock Analysis

• Market Cap: $5.02T
• Dividend Yield: 3.02%
• Average Volume (3M): 3.86M
• Price to Earnings (P/E): 6.9
• Beta (1Y): 1.36
• Revenue Growth: 8.40%
• EPS Growth: 58.45%
• Country: JP
• Employees: 38,391
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 147.38
• Shares Outstanding: 1,608,398,700
• 10 Day Avg. Volume: 3,912,120
• 30 Day Avg. Volume: 3,855,210
• PEG Ratio: 0.08
• Price to Book (P/B): 1.25
• Price to Sales (P/S): 0.78
• P/FCF Ratio: 7.88
• Enterprise Value/Market Cap: 1.10
• Enterprise Value/Revenue: 0.86
• Enterprise Value/Gross Profit: 0.86
• Enterprise Value/Ebitda: 5.84
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: ¥3,621.00 ▲(11.79% Upside)

The stock's overall score is driven by strong financial performance and attractive valuation, despite technical indicators suggesting potential short-term weakness. The lack of earnings call data and corporate events limits further insights.

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 others non-life insurance products; life insurance products; and reinsurance services. It also provides risk-related services. The company was formerly known as Mitsui Sumitomo Insurance Group Holdings, Inc. and changed its name to MS&AD Insurance Group Holdings, Inc. in April 2010. MS&AD Insurance Group Holdings, Inc. was founded in 1918 and is headquartered in Tokyo, Japan.

How the Company Makes Money

MS&AD Insurance Group Holdings generates revenue primarily through its insurance underwriting activities, which involve collecting premiums from policyholders in exchange for coverage against potential risks. The company earns most of its income from property and casualty insurance, where it assesses risks and sets premium rates accordingly. In addition to underwriting income, MS&AD benefits from investment income derived from the premiums collected, as these funds are typically invested in various financial instruments to generate returns. The company also earns fees from its asset management services. Significant partnerships with global reinsurance firms enhance its risk management capabilities and provide additional revenue streams through reinsurance arrangements. Additionally, macroeconomic factors such as interest rates and market performance can influence the company's investment income, further impacting its overall earnings.

MS&AD Insurance Group Holdings Financial Statement Overview

Summary

MS&AD Insurance Group Holdings demonstrates strong profitability with improved net profit margins and a stable balance sheet with conservative leverage. However, the decline in revenue growth and historical cash flow volatility present potential risks.

Income Statement

The company shows strong profitability with a consistent gross profit margin of 100% and a significant improvement in net profit margin from 5.63% to 10.75% over the last year. However, the revenue growth rate has declined by 5.11% in the most recent year, indicating a potential challenge in maintaining top-line growth. EBIT and EBITDA margins are healthy, reflecting efficient operations.

Balance Sheet

The balance sheet is stable with a low debt-to-equity ratio of 0.15, indicating conservative leverage. Return on equity has improved significantly to 17.29%, showcasing effective use of equity. The equity ratio is strong, suggesting a solid financial foundation. However, the total debt has decreased, which could impact future growth opportunities if not managed carefully.

Cash Flow

The company has shown a remarkable improvement in free cash flow growth, although the previous year had a negative free cash flow. The operating cash flow to net income ratio is stable, indicating consistent cash generation relative to net income. The free cash flow to net income ratio is high, reflecting efficient cash conversion, but past volatility in cash flows suggests potential risks.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	6.45T	6.44T	6.56T	5.23T	5.12T	4.89T
Gross Profit	6.45T	6.44T	6.56T	5.23T	5.12T	4.89T
EBITDA	946.16B	919.16B	472.72B	307.00B	385.51B	216.34B
Net Income	710.17B	691.66B	369.27B	161.53B	262.80B	144.40B
Balance Sheet
Total Assets	26.33T	26.24T	26.96T	24.35T	25.03T	24.14T
Cash, Cash Equivalents and Short-Term Investments	0.00	2.14T	2.91T	2.77T	2.36T	2.06T
Total Debt	590.32B	590.57B	715.04B	714.74B	782.90B	809.09B
Total Liabilities	22.20T	22.19T	22.45T	21.21T	21.73T	21.02T
Stockholders Equity	4.08T	4.00T	4.47T	3.09T	3.26T	3.09T
Cash Flow
Free Cash Flow	0.00	634.99B	526.59B	169.53B	208.58B	-357.61B
Operating Cash Flow	0.00	660.19B	549.47B	194.15B	236.71B	-323.91B
Investing Cash Flow	0.00	-360.92B	-178.37B	453.78B	148.95B	-128.82B
Financing Cash Flow	0.00	-659.40B	-227.16B	-312.03B	58.55B	79.28B

MS&AD Insurance Group Holdings Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 3239.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8725, the sentiment is Neutral. The current price of 3239 is below the 20-day moving average (MA) of 3260.50, below the 50-day MA of 3323.02, and above the 200-day MA of 3185.59, indicating a neutral trend. The MACD of -38.22 indicates Positive momentum. The RSI at 47.55 is Neutral, neither overbought nor oversold. The STOCH value of 55.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8725.

MS&AD Insurance Group Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8766	73 Outperform	$10.91T	8.38	26.83%	3.34%	12.02%	75.88%
8630	70 Outperform	$4.29T	18.55	―	3.27%	11.37%	27.90%
7181	70 Outperform	¥1.44T	11.13	―	2.85%	-6.70%	58.89%
8725	69 Neutral	$5.02T	6.86	16.93%	3.02%	8.40%	58.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8750	62 Neutral	$4.00T	11.85	9.18%	3.94%	-10.49%	-9.62%
8795	61 Neutral	¥1.67T	12.95	9.22%	3.14%	-2.35%	17.94%

MS&AD Insurance Group Holdings Corporate Events

MS&AD Completes Share Buyback as Part of Strategic Initiative

MS&AD Insurance Group Holdings has completed the purchase of its own shares, acquiring 3,124,200 shares for JPY 10,380,903,000 between October 1 and October 22, 2025. This move is part of a broader strategy authorized by the Board of Directors to buy back up to 50 million shares by December 2025, aiming to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (JP:8725) stock is a Hold with a Yen3652.00 price target. To see the full list of analyst forecasts on MS&AD Insurance Group Holdings stock, see the JP:8725 Stock Forecast page.

MS&AD Insurance Group’s Strategic Share Buyback

MS&AD Insurance Group Holdings announced the purchase of 3,121,300 shares of its own common stock for JPY 10,873,286,100 during September 2025. This move is part of a broader strategy approved by the Board of Directors to buy back up to 50 million shares, aiming to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (JP:8725) stock is a Sell with a Yen3380.00 price target. To see the full list of analyst forecasts on MS&AD Insurance Group Holdings stock, see the JP:8725 Stock Forecast page.

MS&AD Insurance Group Announces Major Merger and Rebranding

MS&AD Insurance Group Holdings announced a significant merger between its core companies, Mitsui Sumitomo Insurance Co., Ltd. and Aioi Nissay Dowa Insurance Co., Ltd., resulting in a new entity named Mitsui Sumitomo Aioi Insurance Company, Limited, effective April 1, 2027. This strategic move aims to unify the brand, strengthen group management, and position the company as a leading insurance and financial group, enhancing its ability to address social risks and provide optimal security and solutions globally.

The most recent analyst rating on (JP:8725) stock is a Sell with a Yen3380.00 price target. To see the full list of analyst forecasts on MS&AD Insurance Group Holdings stock, see the JP:8725 Stock Forecast page.

MS&AD Insurance Group Executes Share Buyback to Enhance Shareholder Value

MS&AD Insurance Group Holdings announced the purchase of 4,435,700 of its own shares for approximately JPY 15.3 billion, as part of a broader share buyback program authorized by its Board of Directors. This move is part of a strategic effort to enhance shareholder value and optimize capital structure, reflecting the company’s commitment to returning value to its investors.

The most recent analyst rating on (JP:8725) stock is a Sell with a Yen3380.00 price target. To see the full list of analyst forecasts on MS&AD Insurance Group Holdings stock, see the JP:8725 Stock Forecast page.

MS&AD Insurance Group Reports Mixed Q1 2025 Results

MS&AD Insurance Group Holdings, Inc. is a prominent player in the insurance sector, primarily operating in the non-life and life insurance markets, with a significant presence both domestically in Japan and internationally. The company is listed on the Tokyo and Nagoya Stock Exchanges and is known for its comprehensive insurance services.

MS&AD Insurance Group Reports Strong Q1 2025 Financial Results

MS&AD Insurance Group Holdings reported its consolidated financial results for the three months ended June 30, 2025, showing a significant increase in ordinary income and profit compared to the previous year. The company also announced its dividend forecast for the fiscal year ending March 31, 2026, with a slight increase in ordinary dividends and a decrease in special dividends, reflecting its strategic financial management and market conditions.

The most recent analyst rating on (JP:8725) stock is a Sell with a Yen3530.00 price target. To see the full list of analyst forecasts on MS&AD Insurance Group Holdings stock, see the JP:8725 Stock Forecast page.

MS&AD Insurance Executes Strategic Share Buyback

MS&AD Insurance Group Holdings has announced the purchase of 15,572,000 of its own shares, amounting to JPY 48,435,847,600, as part of a strategic buyback plan. This move is part of a broader resolution to purchase up to 50 million shares, reflecting the company’s efforts to enhance shareholder value and optimize its capital structure.

The most recent analyst rating on (JP:8725) stock is a Sell with a Yen3530.00 price target. To see the full list of analyst forecasts on MS&AD Insurance Group Holdings stock, see the JP:8725 Stock Forecast page.

MS&AD Insurance Group Reports JPY 123 Billion Gain from Securities Sale

MS&AD Insurance Group Holdings has announced a gain of JPY 123 billion from the sale of securities held by its subsidiaries, MSI and ADI, as part of a policy to eliminate strategic equity holdings to promote fair competition in the non-life insurance industry. This gain will be reflected in the company’s consolidated financial results for the second quarter of the fiscal year ending March 31, 2026, and has already been included in the full-year earnings forecast.

The most recent analyst rating on (JP:8725) stock is a Sell with a Yen3530.00 price target. To see the full list of analyst forecasts on MS&AD Insurance Group Holdings stock, see the JP:8725 Stock Forecast page.