MS&AD Insurance Group Holdings, Inc. Logo

MS&AD Insurance Group Holdings, Inc.

8725.T

(3.2)
Stock Price

3.598,00 JPY

1.7% ROA

11.24% ROE

11.76x PER

Market Cap.

5.431.100.579.725,00 JPY

15.79% DER

2.92% Yield

4.52% NPM

MS&AD Insurance Group Holdings, Inc. Stock Analysis

MS&AD Insurance Group Holdings, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

MS&AD Insurance Group Holdings, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.98x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (25%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 Dividend Growth

With a history of consistent dividend increases over the last five years, the company has proven to be a reliable choice for investors seeking steady income.

5 ROE

The stock's ROE falls within an average range (5.47%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.65%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Dividend

The company's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income.

9 Buffet Intrinsic Value

The company's stock seems undervalued (218.614) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

MS&AD Insurance Group Holdings, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

MS&AD Insurance Group Holdings, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

MS&AD Insurance Group Holdings, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

MS&AD Insurance Group Holdings, Inc. Revenue
Year Revenue Growth
2001 1.436.710.000.000
2002 1.490.205.000.000 3.59%
2003 1.673.309.000.000 10.94%
2004 1.703.388.000.000 1.77%
2005 1.834.260.000.000 7.13%
2006 1.866.135.000.000 1.71%
2007 2.137.603.000.000 12.7%
2008 1.892.042.000.000 -12.98%
2009 1.915.670.000.000 1.23%
2010 3.343.946.000.000 42.71%
2011 3.692.094.000.000 9.43%
2012 4.184.518.000.000 11.77%
2013 4.328.135.000.000 3.32%
2014 4.625.987.000.000 6.44%
2015 4.800.044.000.000 3.63%
2016 5.278.025.000.000 9.06%
2017 5.051.632.000.000 -4.48%
2018 5.391.877.000.000 6.31%
2019 4.655.381.000.000 -15.82%
2020 4.807.948.000.000 3.17%
2021 5.006.419.000.000 3.96%
2022 5.053.227.000.000 0.93%
2023 17.334.360.000.000 70.85%
2023 6.120.143.000.000 -183.23%
2024 7.371.028.000.000 16.97%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

MS&AD Insurance Group Holdings, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

MS&AD Insurance Group Holdings, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

MS&AD Insurance Group Holdings, Inc. EBITDA
Year EBITDA Growth
2001 51.933.000.000
2002 68.201.000.000 23.85%
2003 190.558.000.000 64.21%
2004 66.950.000.000 -184.63%
2005 197.429.000.000 66.09%
2006 166.871.000.000 -18.31%
2007 78.341.000.000 -113.01%
2008 37.964.000.000 -106.36%
2009 119.272.000.000 68.17%
2010 32.506.000.000 -266.92%
2011 -67.865.000.000 147.9%
2012 173.805.000.000 139.05%
2013 207.240.000.000 16.13%
2014 287.338.000.000 27.88%
2015 314.257.000.000 8.57%
2016 363.916.000.000 13.65%
2017 329.292.000.000 -10.51%
2018 267.205.000.000 -23.24%
2019 262.728.000.000 -1.7%
2020 183.855.000.000 -42.9%
2021 351.395.000.000 47.68%
2022 221.588.000.000 -58.58%
2023 -91.856.000.000 341.23%
2023 31.805.000.000 388.81%
2024 117.432.000.000 72.92%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

MS&AD Insurance Group Holdings, Inc. Gross Profit
Year Gross Profit Growth
2001 1.436.710.000.000
2002 1.490.205.000.000 3.59%
2003 1.673.309.000.000 10.94%
2004 1.703.388.000.000 1.77%
2005 1.834.260.000.000 7.13%
2006 1.866.135.000.000 1.71%
2007 2.137.603.000.000 12.7%
2008 1.892.042.000.000 -12.98%
2009 1.915.670.000.000 1.23%
2010 3.343.946.000.000 42.71%
2011 3.692.094.000.000 9.43%
2012 4.194.479.000.000 11.98%
2013 4.336.242.000.000 3.27%
2014 4.660.840.000.000 6.96%
2015 4.879.130.000.000 4.47%
2016 5.275.551.000.000 7.51%
2017 5.166.418.000.000 -2.11%
2018 5.391.877.000.000 4.18%
2019 4.655.381.000.000 -15.82%
2020 4.807.948.000.000 3.17%
2021 5.006.419.000.000 3.96%
2022 5.053.227.000.000 0.93%
2023 17.334.360.000.000 70.85%
2023 6.312.444.000.000 -174.61%
2024 7.371.028.000.000 14.36%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

MS&AD Insurance Group Holdings, Inc. Net Profit
Year Net Profit Growth
2001 25.981.000.000
2002 38.312.000.000 32.19%
2003 116.117.000.000 67.01%
2004 41.814.000.000 -177.7%
2005 124.123.000.000 66.31%
2006 113.916.000.000 -8.96%
2007 40.027.000.000 -184.6%
2008 8.192.000.000 -388.61%
2009 37.640.000.000 78.24%
2010 5.420.000.000 -594.46%
2011 -169.469.000.000 103.2%
2012 83.625.000.000 302.65%
2013 93.451.000.000 10.51%
2014 136.247.000.000 31.41%
2015 181.516.000.000 24.94%
2016 210.447.000.000 13.75%
2017 154.057.000.000 -36.6%
2018 192.705.000.000 20.06%
2019 143.030.000.000 -34.73%
2020 144.398.000.000 0.95%
2021 262.799.000.000 45.05%
2022 161.530.000.000 -62.69%
2023 -96.424.000.000 267.52%
2023 369.266.000.000 126.11%
2024 817.080.000.000 54.81%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

MS&AD Insurance Group Holdings, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 59
2002 88 33.33%
2003 269 67.54%
2004 99 -173.47%
2005 280 65%
2006 180 -56.42%
2007 152 -18.54%
2008 19 -694.74%
2009 90 78.65%
2010 9 -1012.5%
2011 -105 107.69%
2012 134 177.61%
2013 151 10.67%
2014 221 32.13%
2015 299 25.84%
2016 351 14.86%
2017 260 -34.62%
2018 119 -118.49%
2019 83 -45.12%
2020 85 3.53%
2021 158 46.2%
2022 100 -59.6%
2023 0 0%
2023 232 100%
2024 515 55.15%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

MS&AD Insurance Group Holdings, Inc. Free Cashflow
Year Free Cashflow Growth
2001 171.183.000.000
2002 235.298.000.000 27.25%
2003 282.854.000.000 16.81%
2004 205.631.000.000 -37.55%
2005 359.714.000.000 42.83%
2006 306.650.000.000 -17.3%
2007 189.688.000.000 -61.66%
2008 21.040.000.000 -801.56%
2009 -59.617.000.000 135.29%
2010 -98.671.000.000 39.58%
2011 -274.991.000.000 64.12%
2012 44.976.000.000 711.42%
2013 435.382.000.000 89.67%
2014 589.673.000.000 26.17%
2015 1.250.169.000.000 52.83%
2016 1.039.182.000.000 -20.3%
2017 754.704.000.000 -37.69%
2018 668.741.000.000 -12.85%
2019 557.356.000.000 -19.98%
2020 -415.015.000.000 234.3%
2021 155.558.000.000 366.79%
2022 112.521.000.000 -38.25%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

MS&AD Insurance Group Holdings, Inc. Operating Cashflow
Year Operating Cashflow Growth
2001 187.442.000.000
2002 243.453.000.000 23.01%
2003 280.735.000.000 13.28%
2004 236.886.000.000 -18.51%
2005 373.618.000.000 36.6%
2006 325.256.000.000 -14.87%
2007 189.688.000.000 -71.47%
2008 38.612.000.000 -391.27%
2009 -33.930.000.000 213.8%
2010 -59.339.000.000 42.82%
2011 -205.272.000.000 71.09%
2012 118.751.000.000 272.86%
2013 489.950.000.000 75.76%
2014 628.184.000.000 22.01%
2015 1.291.017.000.000 51.34%
2016 1.086.948.000.000 -18.77%
2017 822.640.000.000 -32.13%
2018 776.724.000.000 -5.91%
2019 667.896.000.000 -16.29%
2020 -323.912.000.000 306.2%
2021 236.708.000.000 236.84%
2022 194.153.000.000 -21.92%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

MS&AD Insurance Group Holdings, Inc. Capital Expenditure
Year Capital Expenditure Growth
2001 16.259.000.000
2002 8.155.000.000 -99.37%
2003 -2.119.000.000 484.85%
2004 31.255.000.000 106.78%
2005 13.904.000.000 -124.79%
2006 18.606.000.000 25.27%
2007 0 0%
2008 17.572.000.000 100%
2009 25.687.000.000 31.59%
2010 39.332.000.000 34.69%
2011 69.719.000.000 43.58%
2012 73.775.000.000 5.5%
2013 54.568.000.000 -35.2%
2014 38.511.000.000 -41.69%
2015 40.848.000.000 5.72%
2016 47.766.000.000 14.48%
2017 67.936.000.000 29.69%
2018 107.983.000.000 37.09%
2019 110.540.000.000 2.31%
2020 91.103.000.000 -21.34%
2021 81.150.000.000 -12.26%
2022 81.632.000.000 0.59%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

MS&AD Insurance Group Holdings, Inc. Equity
Year Equity Growth
2001 1.828.405.000.000
2002 1.543.906.000.000 -18.43%
2003 1.951.895.000.000 20.9%
2004 2.024.084.000.000 3.57%
2005 2.640.247.000.000 23.34%
2006 2.891.141.000.000 8.68%
2007 1.671.513.000.000 -72.97%
2008 1.023.021.000.000 -63.39%
2009 1.311.082.000.000 21.97%
2010 1.633.381.000.000 19.73%
2011 1.512.134.000.000 -8.02%
2012 2.021.624.000.000 25.2%
2013 2.285.831.000.000 11.56%
2014 3.036.244.000.000 24.72%
2015 2.725.273.000.000 -11.41%
2016 2.734.431.000.000 0.33%
2017 2.968.386.000.000 7.88%
2018 2.778.047.000.000 -6.85%
2019 2.494.036.000.000 -11.39%
2020 3.126.656.000.000 20.23%
2021 3.302.747.000.000 5.33%
2022 3.056.269.000.000 -8.06%
2023 3.627.942.000.000 15.76%
2023 4.513.562.000.000 19.62%
2024 4.579.653.000.000 1.44%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

MS&AD Insurance Group Holdings, Inc. Assets
Year Assets Growth
2001 7.415.219.000.000
2002 7.075.789.000.000 -4.8%
2003 7.805.320.000.000 9.35%
2004 8.217.329.000.000 5.01%
2005 9.412.292.000.000 12.7%
2006 9.877.032.000.000 4.71%
2007 8.397.718.000.000 -17.62%
2008 7.440.709.000.000 -12.86%
2009 7.519.625.000.000 1.05%
2010 11.445.003.000.000 34.3%
2011 14.537.204.000.000 21.27%
2012 15.914.663.000.000 8.66%
2013 16.878.148.000.000 5.71%
2014 18.787.654.000.000 10.16%
2015 20.303.649.000.000 7.47%
2016 21.234.300.000.000 4.38%
2017 22.472.927.000.000 5.51%
2018 23.132.539.000.000 2.85%
2019 23.196.455.000.000 0.28%
2020 24.142.562.000.000 3.92%
2021 25.033.846.000.000 3.56%
2022 25.000.433.000.000 -0.13%
2023 25.662.452.000.000 2.58%
2023 26.960.207.000.000 4.81%
2024 27.168.229.000.000 0.77%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

MS&AD Insurance Group Holdings, Inc. Liabilities
Year Liabilities Growth
2001 5.586.814.000.000
2002 5.531.883.000.000 -0.99%
2003 5.853.425.000.000 5.49%
2004 6.190.772.000.000 5.45%
2005 6.769.076.000.000 8.54%
2006 6.985.891.000.000 3.1%
2007 6.726.205.000.000 -3.86%
2008 6.417.688.000.000 -4.81%
2009 6.208.543.000.000 -3.37%
2010 9.811.622.000.000 36.72%
2011 13.025.070.000.000 24.67%
2012 13.893.038.000.000 6.25%
2013 14.592.316.000.000 4.79%
2014 15.751.408.000.000 7.36%
2015 17.578.375.000.000 10.39%
2016 18.499.868.000.000 4.98%
2017 19.504.540.000.000 5.15%
2018 20.354.492.000.000 4.18%
2019 20.702.417.000.000 1.68%
2020 21.015.905.000.000 1.49%
2021 21.731.097.000.000 3.29%
2022 714.743.000.000 -2940.41%
2023 802.928.000.000 10.98%
2023 22.444.623.000.000 96.42%
2024 22.588.572.000.000 0.64%

MS&AD Insurance Group Holdings, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6445.15
Net Income per Share
291.32
Price to Earning Ratio
11.76x
Price To Sales Ratio
0.53x
POCF Ratio
31.29
PFCF Ratio
31.3
Price to Book Ratio
1.2
EV to Sales
0.1
EV Over EBITDA
4.05
EV to Operating CashFlow
5.64
EV to FreeCashFlow
5.64
Earnings Yield
0.09
FreeCashFlow Yield
0.03
Market Cap
5.431,10 Bil.
Enterprise Value
979,59 Bil.
Graham Number
4327.91
Graham NetNet
-10884.37

Income Statement Metrics

Net Income per Share
291.32
Income Quality
0.47
ROE
0.11
Return On Assets
0.02
Return On Capital Employed
0.01
Net Income per EBT
0.79
EBT Per Ebit
3.29
Ebit per Revenue
0.02
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.02
Operating Profit Margin
0.02
Pretax Profit Margin
0.06
Net Profit Margin
0.05

Dividends

Dividend Yield
0.03
Dividend Yield %
2.92
Payout Ratio
0
Dividend Per Share
100

Operating Metrics

Operating Cashflow per Share
109.45
Free CashFlow per Share
109.45
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
3.361,80
Book Value per Share
2.888,30
Tangible Book Value per Share
2888.3
Shareholders Equity per Share
2857.58
Interest Debt per Share
458
Debt to Equity
0.16
Debt to Assets
0.03
Net Debt to EBITDA
-18.38
Current Ratio
1.76
Tangible Asset Value
4.579,66 Bil.
Net Current Asset Value
-17.258,13 Bil.
Invested Capital
2767473000000
Working Capital
2.304,45 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.13

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

MS&AD Insurance Group Holdings, Inc. Dividends
Year Dividends Growth
2008 81
2009 162 50%
2010 162 0%
2011 162 0%
2012 162 0%
2013 165 1.82%
2014 171 3.51%
2015 213 19.72%
2016 315 32.38%
2017 405 22.22%
2018 405 0%
2019 435 6.9%
2020 450 3.33%
2021 473 4.66%
2022 593 20.27%
2023 660 10.3%
2024 173 -283.72%
2025 0 0%

MS&AD Insurance Group Holdings, Inc. Profile

About MS&AD Insurance Group Holdings, Inc.

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.

CEO
Mr. Shinichiro Funabiki
Employee
38.391
Address
West Tower
Tokyo, 104-0033

MS&AD Insurance Group Holdings, Inc. Executives & BODs

MS&AD Insurance Group Holdings, Inc. Executives & BODs
# Name Age
1 Mr. Noriyuki Hara
Executive Officer & Chairman
70
2 Mr. Shinichiro Funabiki
President, Chief Executive Officer & Representative Director
70
3 Tomoyuki Motoyama
Executive Officer & Chief Digitalization Officer
70
4 Mitsuteru Miyake
Head of Corporate Communications & Investor Relations
70
5 Mr. Yusuke Shirai
Director & Executive Officer
70
6 Mr. Tetsuji Higuchi
Executive Vice President, Executive Officer & Director
70
7 Mr. Satoru Tamura
Senior Executive Officer & Chief Risk Officer
70
8 Naomi Motojima
Managing Executive Officer & Chief Sustainability Officer
70
9 Mr. Yasuzo Kanasugi
Vice Chairman of the Board & Executive Officer
70
10 Takuya Tsuda
Executive Officer, Chief Information Officer & Chief Information Security Officer
70

MS&AD Insurance Group Holdings, Inc. Competitors