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MS&AD Insurance Group Holdings, Inc. (8725.T)
JPY4,478.00
+47.00 (+1.06%)
JP JPX Financial Services Insurance - Property & Casualty
Address
West Tower 104-0033
Tokyo, JP
Tokyo, JP
CEO
Shinichiro Funabiki
Website
ms-ad-hd.com
IPO
2008-04-01
ISIN JP3890310000
Also trades on
Other OTC · MSADF (USD)
Other OTC · MSADY (USD)
Tokyo Stock Exchange · 8725.T (JPY)
Description
MS&AD Insurance Group Holdings, Inc. operates as a global insurance conglomerate, offering a diverse array of insurance and financial services. Its portfolio includes extensive non-life coverage, such as policies for fire, marine, personal accidents, and both optional and mandatory automobile liabilities, among other general insurance products. The company also underwrites life insurance and provides vital reinsurance and risk-related consultancy services. Founded in 1918 and headquartered in Tokyo, Japan, the firm changed its name from Mitsui Sumitomo Insurance Group Holdings, Inc. to its current designation in April 2010.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
JPY4,478.00
+47.00 (+1.06%)
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Volume Profile
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Liquidity & share structure
Average Volume
4M
Beta
0.28
Float Shares
1.14B
Free Float %
78.3%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.55% | -6.97% | +6.26% | -1.02% | +24.83% | +11.01% | +28.66% | +164.93% | +276.73% | +305.64% | +238.15% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
4,478.00
DCF (Unlevered)
22,639.28
+405.6%
DCF (Levered)
18,668.84
+316.9%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
36% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 4 | 0 |
| Hold | 6 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.87
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Property & Casualty: +14.1%+12.9% Q1'26: +16.5% (vs Q1'25)
-
EPS growth Insurance - Property & Casualty: +27.5%+18.7% Q1'26: +107.9% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Property & Casualty: +25.6%+21.4% ★ Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Insurance - Property & Casualty: +16.3%+14.8% Q1'26: +12.8% (vs Q1'25)
-
ROIC Insurance - Property & Casualty: +7.9%+87.4% ★ Q1'26: +58.8% (vs Q1'25)
-
Share dilution Insurance - Property & Casualty: +0.4%-4.1% ★ Q1'26: -6.7% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×0.84× ★ Q1'26: 1.36× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 5 Rev. Ana. 11 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 4 Rev. Ana. 8 EPS Ana. |
Mar 2029 2 Rev. Ana. 3 EPS Ana. |
Mar 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
4.66T
est: 4.75T (-1.9%)
|
4.89T
est: 4.52T (+8.1%)
|
5.23T
est: 5.08T (+3.1%)
|
5.16T
est: 3.44T (+49.9%)
|
5.45T
est: 3.46T (+57.3%)
|
5.01T
est: 5.51T (-9.1%)
|
4.42T
est: 5.15T (-14.0%)
|
4.85T
est: 5.18T (-6.3%)
|
5.11T
est: 5.26T (-2.9%)
|
6.12T
est: 6.35T (-3.5%)
|
6.38T
est: 6.53T (-2.2%)
|
6.85T
6.25T – 7.52T
+5.0% YoY
|
6.89T
6.76T – 7.09T
+0.5% YoY
|
6.65T
6.40T – 7.03T
-3.5% YoY
|
5.60T
5.49T – 5.77T
-15.8% YoY
|
7.37T
7.23T – 7.59T
+31.6% YoY
|
| EBITDA |
288.95B
est: 473.01B (-38.9%)
|
314.55B
est: 450.72B (-30.2%)
|
365.17B
est: 506.16B (-27.9%)
|
329.12B
est: 343.11B (-4.1%)
|
364.92B
est: 345.18B (+5.7%)
|
104.22B
est: 549.06B (-81.0%)
|
300.39B
est: 512.77B (-41.4%)
|
482.62B
est: 516.01B (-6.5%)
|
413.98B
est: 524.19B (-21.0%)
|
593.74B
est: 767.37B (-22.6%)
|
1.04T
est: 789.67B (+31.8%)
|
828.95B
755.49B – 908.93B
+5.0% YoY
|
832.98B
816.98B – 857.88B
+0.5% YoY
|
804.09B
774.17B – 850.66B
-3.5% YoY
|
677.24B
664.23B – 697.49B
-15.8% YoY
|
891.44B
874.32B – 918.09B
+31.6% YoY
|
| EBIT |
226.87B
est: 381.60B (-40.5%)
|
264.53B
est: 363.62B (-27.3%)
|
291.59B
est: 408.34B (-28.6%)
|
253.36B
est: 276.80B (-8.5%)
|
290.80B
est: 278.47B (+4.4%)
|
25.87B
est: 442.95B (-94.2%)
|
216.33B
est: 413.67B (-47.7%)
|
385.51B
est: 416.29B (-7.4%)
|
306.99B
est: 422.88B (-27.4%)
|
472.72B
est: 645.71B (-26.8%)
|
919.17B
est: 664.48B (+38.3%)
|
697.53B
635.72B – 764.83B
+5.0% YoY
|
700.92B
687.45B – 721.87B
+0.5% YoY
|
676.61B
651.43B – 715.80B
-3.5% YoY
|
569.87B
558.92B – 586.91B
-15.8% YoY
|
750.11B
735.70B – 772.54B
+31.6% YoY
|
| Net Income |
136.25B
est: 110.55B (+23.2%)
|
181.52B
est: 142.62B (+27.3%)
|
210.45B
est: 173.89B (+21.0%)
|
154.06B
est: 121.46B (+26.8%)
|
192.71B
est: 174.11B (+10.7%)
|
143.03B
est: 182.06B (-21.4%)
|
144.40B
est: 139.21B (+3.7%)
|
262.80B
est: 221.07B (+18.9%)
|
211.01B
est: 142.06B (+48.5%)
|
369.27B
est: 435.83B (-15.3%)
|
691.66B
est: 655.80B (+5.5%)
|
787.34B
430.89B – 818.43B
+20.1% YoY
|
671.65B
650.36B – 692.94B
-14.7% YoY
|
662.34B
627.72B – 891.91B
-1.4% YoY
|
669.64B
629.26B – 710.02B
+1.1% YoY
|
703.57B
686.00B – 730.91B
+5.1% YoY
|
| SGA |
—
est: 650.53B (-100.0%)
|
—
est: 619.87B (-100.0%)
|
—
est: 696.11B (-100.0%)
|
—
est: 471.87B (-100.0%)
|
—
est: 474.73B (-100.0%)
|
—
est: 755.12B (-100.0%)
|
—
est: 705.20B (-100.0%)
|
—
est: 709.66B (-100.0%)
|
—
est: 720.91B (-100.0%)
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
| EPS |
221.34
est: 71.20 (+210.9%)
|
298.72
est: 91.85 (+225.2%)
|
350.94
est: 111.99 (+213.4%)
|
260.05
est: 78.23 (+232.4%)
|
119.22
est: 112.14 (+6.3%)
|
82.79
est: 117.25 (-29.4%)
|
85.27
est: 89.66 (-4.9%)
|
158.17
est: 142.38 (+11.1%)
|
99.93
est: 91.16 (+9.6%)
|
231.83
est: 290.73 (-20.3%)
|
445.53
est: 437.47 (+1.8%)
|
460.49
289.44 – 549.76
+5.3% YoY
|
448.05
436.86 – 465.46
-2.7% YoY
|
489.21
421.65 – 599.12
+9.2% YoY
|
448.80
422.69 – 476.93
-8.3% YoY
|
472.60
460.80 – 490.97
+5.3% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-25 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-22 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-21 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-19 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-15 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-14 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-13 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-12 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-11 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-08 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-07 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-01 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-04-30 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-04-28 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-23 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-22 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-21 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-20 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-17 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-16 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-15 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
74.53B
OE per share TTM
48.54
Owner's Yield
1.22%
Maintenance CapEx ratio
9.15%
Maint CapEx / Avg PPE
8.5%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
27.81M
Shares Outstanding
1.45B
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Noriyuki Hara | Executive Officer & Chairman | 102M | male |
| Shinichiro Funabiki | President, Group CEO & Representative Director | 97M | male |
| Yasuzo Kanasugi | Vice Chairman of the Board & Executive Officer | 91M | male |
| Kuniyuki Hirano | Executive Officer of Sales | — | — |
| Naomi Motojima | Managing Executive Officer & Group CSuO | — | female |
| Satoru Tamura | Executive Vice President & Chief Human Resource Officer | — | male |
| Atsushi Kadoya | Executive Officer & General Manager of Corporate Planning Dept. | — | — |
| Takuma Hayakawa | Managing Executive Officer & Chief Investment Officer | — | — |
| Takuya Tsuda | Executive Officer, Chief Information Officer & Chief Information Security Officer | — | — |
| Tetsuji Higuchi | Executive Officer & Director | — | male |
| Yasuko Fukuda | Senior Executive Officer, Chief Accounting Officer & Chief Global Supervising Officer | — | — |
| Shigeo Kudo | Group CFO, EVP-Corp, Corp comm, IR, Internal Audit Dept, Capital Policy, VP & EO and Director | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for 8725.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
