MS&AD Insurance Group Holdings, Inc. Logo

MS&AD Insurance Group Holdings, Inc.

MSADY

(2.5)
Stock Price

21,45 USD

1.7% ROA

11.24% ROE

11.93x PER

Market Cap.

5.512.907.511.456,10 USD

15.79% DER

0% 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

The stock's low PBV ratio (0.93x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (25%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 ROE

ROE in an average range (5.47%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 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.

6 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

7 Buffet Intrinsic Value

The company's stock seems undervalued (104.275) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 Revenue Growth

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

9 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

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
2002 1.436.710.000.000
2003 1.490.205.000.000 3.59%
2004 1.673.309.000.000 10.94%
2005 1.703.388.000.000 1.77%
2006 1.834.260.000.000 7.13%
2007 1.866.135.000.000 1.71%
2008 2.137.603.000.000 12.7%
2009 1.892.042.000.000 -12.98%
2010 1.915.670.000.000 1.23%
2011 3.343.946.000.000 42.71%
2012 3.692.094.000.000 9.43%
2013 4.184.518.000.000 11.77%
2014 4.328.135.000.000 3.32%
2015 4.625.987.000.000 6.44%
2016 4.800.044.000.000 3.63%
2017 5.278.025.000.000 9.06%
2018 5.051.632.000.000 -4.48%
2019 5.391.877.000.000 6.31%
2020 4.655.381.000.000 -15.82%
2021 4.807.948.000.000 3.17%
2022 5.006.419.000.000 3.96%
2023 17.334.360.000.000 71.12%
2023 5.053.227.000.000 -243.04%
2024 6.312.444.000.000 19.95%
2025 7.371.028.000.000 14.36%

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
2002 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%
2025 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
2002 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%
2025 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
2002 51.933.000.000
2003 68.201.000.000 23.85%
2004 190.558.000.000 64.21%
2005 66.950.000.000 -184.63%
2006 197.429.000.000 66.09%
2007 166.871.000.000 -18.31%
2008 78.341.000.000 -113.01%
2009 37.964.000.000 -106.36%
2010 119.272.000.000 68.17%
2011 32.506.000.000 -266.92%
2012 -67.865.000.000 147.9%
2013 173.805.000.000 139.05%
2014 207.240.000.000 16.13%
2015 287.338.000.000 27.88%
2016 314.257.000.000 8.57%
2017 363.916.000.000 13.65%
2018 329.292.000.000 -10.51%
2019 267.205.000.000 -23.24%
2020 262.728.000.000 -1.7%
2021 183.855.000.000 -42.9%
2022 351.395.000.000 47.68%
2023 -91.856.000.000 482.55%
2023 221.588.000.000 141.45%
2024 31.805.000.000 -596.71%
2025 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
2002 1.436.710.000.000
2003 1.490.205.000.000 3.59%
2004 1.673.309.000.000 10.94%
2005 1.703.388.000.000 1.77%
2006 1.834.260.000.000 7.13%
2007 1.866.135.000.000 1.71%
2008 2.137.603.000.000 12.7%
2009 1.892.042.000.000 -12.98%
2010 1.915.670.000.000 1.23%
2011 3.343.946.000.000 42.71%
2012 3.692.094.000.000 9.43%
2013 4.184.518.000.000 11.77%
2014 4.328.135.000.000 3.32%
2015 4.625.987.000.000 6.44%
2016 4.879.130.000.000 5.19%
2017 5.275.551.000.000 7.51%
2018 5.051.632.000.000 -4.43%
2019 5.391.877.000.000 6.31%
2020 4.655.381.000.000 -15.82%
2021 4.807.948.000.000 3.17%
2022 5.006.419.000.000 3.96%
2023 17.334.360.000.000 71.12%
2023 5.053.227.000.000 -243.04%
2024 6.312.444.000.000 19.95%
2025 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
2002 25.981.000.000
2003 38.312.000.000 32.19%
2004 116.117.000.000 67.01%
2005 42.629.000.000 -172.39%
2006 119.890.000.000 64.44%
2007 113.916.000.000 -5.24%
2008 40.027.000.000 -184.6%
2009 8.192.000.000 -388.61%
2010 37.640.000.000 78.24%
2011 5.420.000.000 -594.46%
2012 -169.469.000.000 103.2%
2013 83.625.000.000 302.65%
2014 93.451.000.000 10.51%
2015 136.247.000.000 31.41%
2016 181.516.000.000 24.94%
2017 210.447.000.000 13.75%
2018 154.057.000.000 -36.6%
2019 192.705.000.000 20.06%
2020 143.030.000.000 -34.73%
2021 144.398.000.000 0.95%
2022 262.799.000.000 45.05%
2023 -96.424.000.000 372.55%
2023 161.530.000.000 159.69%
2024 369.266.000.000 56.26%
2025 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
2002 29
2003 44 32.56%
2004 134 67.91%
2005 49 -173.47%
2006 140 65%
2007 135 -4.48%
2008 76 -78.67%
2009 10 -733.33%
2010 45 79.55%
2011 4 -1000%
2012 -136 102.94%
2013 67 302.99%
2014 75 10.67%
2015 111 31.82%
2016 149 26.17%
2017 175 14.86%
2018 130 -34.62%
2019 164 20.73%
2020 83 -100%
2021 85 3.53%
2022 158 46.2%
2023 0 0%
2023 100 100%
2024 232 57.14%
2025 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
2002 171.183.000.000
2003 235.298.000.000 27.25%
2004 282.854.000.000 16.81%
2005 205.631.000.000 -37.55%
2006 359.714.000.000 42.83%
2007 306.650.000.000 -17.3%
2008 189.688.000.000 -61.66%
2009 21.040.000.000 -801.56%
2010 -59.617.000.000 135.29%
2011 -98.671.000.000 39.58%
2012 -274.991.000.000 64.12%
2013 44.976.000.000 711.42%
2014 435.382.000.000 89.67%
2015 589.673.000.000 26.17%
2016 1.250.169.000.000 52.83%
2017 1.039.182.000.000 -20.3%
2018 754.704.000.000 -37.69%
2019 668.741.000.000 -12.85%
2020 557.356.000.000 -19.98%
2021 -415.015.000.000 234.3%
2022 155.558.000.000 366.79%
2023 112.521.000.000 -38.25%
2023 0 0%
2024 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
2002 187.442.000.000
2003 243.453.000.000 23.01%
2004 280.735.000.000 13.28%
2005 236.886.000.000 -18.51%
2006 373.618.000.000 36.6%
2007 325.256.000.000 -14.87%
2008 189.688.000.000 -71.47%
2009 38.612.000.000 -391.27%
2010 -33.930.000.000 213.8%
2011 -59.339.000.000 42.82%
2012 -205.272.000.000 71.09%
2013 118.751.000.000 272.86%
2014 489.950.000.000 75.76%
2015 628.184.000.000 22.01%
2016 1.291.017.000.000 51.34%
2017 1.086.948.000.000 -18.77%
2018 822.640.000.000 -32.13%
2019 776.724.000.000 -5.91%
2020 667.896.000.000 -16.29%
2021 -323.912.000.000 306.2%
2022 236.708.000.000 236.84%
2023 194.153.000.000 -21.92%
2023 0 0%
2024 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
2002 16.259.000.000
2003 8.155.000.000 -99.37%
2004 -2.119.000.000 484.85%
2005 31.255.000.000 106.78%
2006 13.904.000.000 -124.79%
2007 18.606.000.000 25.27%
2008 0 0%
2009 17.572.000.000 100%
2010 25.687.000.000 31.59%
2011 39.332.000.000 34.69%
2012 69.719.000.000 43.58%
2013 73.775.000.000 5.5%
2014 54.568.000.000 -35.2%
2015 38.511.000.000 -41.69%
2016 40.848.000.000 5.72%
2017 47.766.000.000 14.48%
2018 67.936.000.000 29.69%
2019 107.983.000.000 37.09%
2020 110.540.000.000 2.31%
2021 91.103.000.000 -21.34%
2022 81.150.000.000 -12.26%
2023 81.632.000.000 0.59%
2023 0 0%
2024 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
2002 1.828.405.000.000
2003 1.543.906.000.000 -18.43%
2004 1.951.895.000.000 20.9%
2005 2.024.084.000.000 3.57%
2006 2.640.247.000.000 23.34%
2007 2.891.141.000.000 8.68%
2008 1.671.513.000.000 -72.97%
2009 1.023.021.000.000 -63.39%
2010 1.311.082.000.000 21.97%
2011 1.633.381.000.000 19.73%
2012 1.512.134.000.000 -8.02%
2013 2.021.624.000.000 25.2%
2014 2.285.831.000.000 11.56%
2015 3.036.244.000.000 24.72%
2016 2.725.273.000.000 -11.41%
2017 2.734.431.000.000 0.33%
2018 2.968.386.000.000 7.88%
2019 2.778.047.000.000 -6.85%
2020 2.494.036.000.000 -11.39%
2021 3.126.656.000.000 20.23%
2022 3.302.747.000.000 5.33%
2023 3.056.269.000.000 -8.06%
2023 3.627.942.000.000 15.76%
2024 4.513.562.000.000 19.62%
2025 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
2002 7.415.219.000.000
2003 7.075.789.000.000 -4.8%
2004 7.805.320.000.000 9.35%
2005 8.217.329.000.000 5.01%
2006 9.412.292.000.000 12.7%
2007 9.877.032.000.000 4.71%
2008 8.397.718.000.000 -17.62%
2009 7.440.709.000.000 -12.86%
2010 7.519.625.000.000 1.05%
2011 11.445.003.000.000 34.3%
2012 14.537.204.000.000 21.27%
2013 15.914.663.000.000 8.66%
2014 16.878.148.000.000 5.71%
2015 18.787.654.000.000 10.16%
2016 20.303.649.000.000 7.47%
2017 21.234.300.000.000 4.38%
2018 22.472.927.000.000 5.51%
2019 23.132.539.000.000 2.85%
2020 23.196.455.000.000 0.28%
2021 24.142.562.000.000 3.92%
2022 25.033.846.000.000 3.56%
2023 25.000.433.000.000 -0.13%
2023 25.662.452.000.000 2.58%
2024 26.960.207.000.000 4.81%
2025 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
2002 5.586.814.000.000
2003 5.531.883.000.000 -0.99%
2004 5.853.425.000.000 5.49%
2005 6.190.772.000.000 5.45%
2006 6.769.076.000.000 8.54%
2007 6.985.891.000.000 3.1%
2008 6.726.205.000.000 -3.86%
2009 6.417.688.000.000 -4.81%
2010 6.208.543.000.000 -3.37%
2011 9.811.622.000.000 36.72%
2012 13.025.070.000.000 24.67%
2013 13.893.038.000.000 6.25%
2014 14.592.316.000.000 4.79%
2015 15.751.408.000.000 7.36%
2016 17.578.375.000.000 10.39%
2017 18.499.868.000.000 4.98%
2018 19.504.540.000.000 5.15%
2019 20.354.492.000.000 4.18%
2020 20.702.417.000.000 1.68%
2021 21.015.905.000.000 1.49%
2022 21.731.097.000.000 3.29%
2023 714.743.000.000 -2940.41%
2023 802.928.000.000 10.98%
2024 22.446.641.000.000 96.42%
2025 22.588.572.000.000 0.63%

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

Valuation Metrics

Revenue per Share
6559.59
Net Income per Share
291.32
Price to Earning Ratio
11.93x
Price To Sales Ratio
0.53x
POCF Ratio
31.76
PFCF Ratio
31.77
Price to Book Ratio
1.22
EV to Sales
0.1
EV Over EBITDA
3.98
EV to Operating CashFlow
6.12
EV to FreeCashFlow
6.12
Earnings Yield
0.08
FreeCashFlow Yield
0.03
Market Cap
5.512,91 Bil.
Enterprise Value
1.061,40 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
1.71
Ebit per Revenue
0.03
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
0.03
Pretax Profit Margin
0.06
Net Profit Margin
0.05

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

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
-16.7
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
2005 2
2006 3 50%
2007 3 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 100%
2017 1 0%
2018 1 0%
2019 2 0%
2020 2 0%
2021 2 0%
2022 2 0%
2023 2 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. Tetsuji Higuchi
Executive Officer, Group Chief Financial Officer, Executive Vice President, & Director
70
2 Takuya Tsuda
Executive Officer, Chief Information Officer & Chief Information Security Officer
70
3 Mitsuteru Miyake
Head of Corporate Communications & Investor Relations
70
4 Mr. Noriyuki Hara
Executive Officer & Chairman
70
5 Mr. Yasuzo Kanasugi
Vice Chairman of the Board & Executive Officer
70
6 Mr. Shinichiro Funabiki
President, Chief Executive Officer & Representative Director
70
7 Naomi Motojima
Managing Executive Officer & Chief Sustainability Officer
70
8 Mr. Yusuke Shirai
Director & Executive Officer
70
9 Mr. Satoru Tamura
Senior Executive Officer & Chief Risk Officer
70
10 Tomoyuki Motoyama
Executive Officer & Chief Digitalization Officer
70

MS&AD Insurance Group Holdings, Inc. Competitors