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Also traded in: Germany, Japan

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 3.31
OTCPK:MSADY's Cash to Debt is ranked lower than
69% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. OTCPK:MSADY: 3.31 )
Ranked among companies with meaningful Cash to Debt only.
OTCPK:MSADY' s Cash to Debt Range Over the Past 10 Years
Min: 1.65  Med: 3.2 Max: N/A
Current: 3.31
Equity to Asset 0.12
OTCPK:MSADY's Equity to Asset is ranked lower than
77% of the 181 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.25 vs. OTCPK:MSADY: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
OTCPK:MSADY' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.14 Max: 0.17
Current: 0.12
0.09
0.17
Interest Coverage 38.07
OTCPK:MSADY's Interest Coverage is ranked lower than
62% of the 205 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. OTCPK:MSADY: 38.07 )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:MSADY' s Interest Coverage Range Over the Past 10 Years
Min: 11.59  Med: 31.31 Max: 110.6
Current: 38.07
11.59
110.6
F-Score: 4
WACC vs ROIC
9.27%
22.66%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 6.07
OTCPK:MSADY's Operating margin (%) is ranked lower than
60% of the 172 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.73 vs. OTCPK:MSADY: 6.07 )
Ranked among companies with meaningful Operating margin (%) only.
OTCPK:MSADY' s Operating margin (%) Range Over the Past 10 Years
Min: -2.56  Med: 3.17 Max: 6.12
Current: 6.07
-2.56
6.12
Net-margin (%) 3.68
OTCPK:MSADY's Net-margin (%) is ranked lower than
63% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.53 vs. OTCPK:MSADY: 3.68 )
Ranked among companies with meaningful Net-margin (%) only.
OTCPK:MSADY' s Net-margin (%) Range Over the Past 10 Years
Min: -4.5  Med: 1.93 Max: 3.68
Current: 3.68
-4.5
3.68
ROE (%) 7.24
OTCPK:MSADY's ROE (%) is ranked lower than
57% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.54 vs. OTCPK:MSADY: 7.24 )
Ranked among companies with meaningful ROE (%) only.
OTCPK:MSADY' s ROE (%) Range Over the Past 10 Years
Min: -10.91  Med: 2.89 Max: 7.24
Current: 7.24
-10.91
7.24
ROA (%) 0.98
OTCPK:MSADY's ROA (%) is ranked lower than
63% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.99 vs. OTCPK:MSADY: 0.98 )
Ranked among companies with meaningful ROA (%) only.
OTCPK:MSADY' s ROA (%) Range Over the Past 10 Years
Min: -1.3  Med: 0.53 Max: 0.98
Current: 0.98
-1.3
0.98
Revenue Growth (3Y)(%) 5.90
OTCPK:MSADY's Revenue Growth (3Y)(%) is ranked higher than
51% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.80 vs. OTCPK:MSADY: 5.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OTCPK:MSADY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.2  Med: 8.35 Max: 409.2
Current: 5.9
-2.2
409.2
EBITDA Growth (3Y)(%) 22.40
OTCPK:MSADY's EBITDA Growth (3Y)(%) is ranked higher than
87% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.70 vs. OTCPK:MSADY: 22.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OTCPK:MSADY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -41.8  Med: 18.25 Max: 578.5
Current: 22.4
-41.8
578.5
EPS Growth (3Y)(%) 30.50
OTCPK:MSADY's EPS Growth (3Y)(%) is ranked higher than
85% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.00 vs. OTCPK:MSADY: 30.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OTCPK:MSADY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -58.9  Med: 22.45 Max: 596.2
Current: 30.5
-58.9
596.2
» OTCPK:MSADY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Insurance » Insurance - Diversified
Compare:OTCPK:ARZGF, NYSE:HIG, OTCPK:BBSEY, NYSE:AV, NYSE:SLF, NYSE:AEG, OTCPK:NNGPF, OTCPK:PWCDF, OTCPK:GJNSY, OTCPK:DIISY, NYSE:AIZ, NYSE:ORI, NAS:ESGR, OTCPK:VNRFY, OTCPK:TPDKY, OTCPK:DGRLY, NYSE:GNW, NYSE:KMPR, NYSE:HMN, NYSE:GTS » details
Traded in other countries:59M.Germany, 8725.Japan,
MS&AD Insurance Group Holdings Inc is an insurance holding company. The company offers various life and non-life insurance products, such as marine, personal accident, health, fire and allied, and other types of insurance products.

MS&AD Insurance Group Holdings Inc was formed on 1 April 2008 through the merger of Aioi Insurance Co., Ltd., Nissay Dowa General Insurance Co., Ltd., and Mitsui Sumitomo Insurance Group. The Company is engaged in insurance holding business. The Company offers various life and non-life insurance products, such as marine, personal accident, compulsory automobile liability, voluntary automobile, health, fire and allied, and other types of insurance products; and reinsurance services. The Company also provides financial services, including asset management, business incubation investment, trust guarantee, mortgage guarantee insurance administration, private loans.

Ratios

vs
industry
vs
history
P/E(ttm) 11.36
MSADY's P/E(ttm) is ranked higher than
60% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.41 vs. MSADY: 11.36 )
Ranked among companies with meaningful P/E(ttm) only.
MSADY' s P/E(ttm) Range Over the Past 10 Years
Min: 6.98  Med: 16.58 Max: 508.99
Current: 11.36
6.98
508.99
PE(NRI) 11.36
MSADY's PE(NRI) is ranked higher than
58% of the 154 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.68 vs. MSADY: 11.36 )
Ranked among companies with meaningful PE(NRI) only.
MSADY' s PE(NRI) Range Over the Past 10 Years
Min: 6.98  Med: 16.58 Max: 509.11
Current: 11.36
6.98
509.11
Price/Owner Earnings (ttm) 27.07
MSADY's Price/Owner Earnings (ttm) is ranked lower than
81% of the 101 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.97 vs. MSADY: 27.07 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
MSADY' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.85  Med: 21.16 Max: 38.95
Current: 27.07
8.85
38.95
P/B 0.90
MSADY's P/B is ranked higher than
67% of the 205 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.21 vs. MSADY: 0.90 )
Ranked among companies with meaningful P/B only.
MSADY' s P/B Range Over the Past 10 Years
Min: 0.51  Med: 0.71 Max: 1.2
Current: 0.9
0.51
1.2
P/S 0.41
MSADY's P/S is ranked higher than
85% of the 201 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.02 vs. MSADY: 0.41 )
Ranked among companies with meaningful P/S only.
MSADY' s P/S Range Over the Past 10 Years
Min: 0.19  Med: 0.37 Max: 2.61
Current: 0.41
0.19
2.61
EV-to-EBIT 2.07
MSADY's EV-to-EBIT is ranked higher than
95% of the 161 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.34 vs. MSADY: 2.07 )
Ranked among companies with meaningful EV-to-EBIT only.
MSADY' s EV-to-EBIT Range Over the Past 10 Years
Min: -152.9  Med: 2.7 Max: 44.4
Current: 2.07
-152.9
44.4
EV-to-EBITDA 2.07
MSADY's EV-to-EBITDA is ranked higher than
94% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.55 vs. MSADY: 2.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
MSADY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -152.9  Med: 3.3 Max: 26.8
Current: 2.07
-152.9
26.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.62
MSADY's Dividend Yield is ranked lower than
63% of the 277 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.97 vs. MSADY: 1.62 )
Ranked among companies with meaningful Dividend Yield only.
MSADY' s Dividend Yield Range Over the Past 10 Years
Min: 0.93  Med: 2.45 Max: 4.57
Current: 1.62
0.93
4.57
Dividend Payout 0.18
MSADY's Dividend Payout is ranked higher than
87% of the 124 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.44 vs. MSADY: 0.18 )
Ranked among companies with meaningful Dividend Payout only.
MSADY' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.5 Max: 3.03
Current: 0.18
0.18
3.03
Dividend Growth (3y) 18.60
MSADY's Dividend Growth (3y) is ranked higher than
73% of the 59 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.40 vs. MSADY: 18.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MSADY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 18.6
Current: 18.6
0
18.6
Forward Dividend Yield 3.26
MSADY's Forward Dividend Yield is ranked lower than
69% of the 262 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.63 vs. MSADY: 3.26 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.54
MSADY's Yield on cost (5-Year) is ranked lower than
53% of the 283 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.87 vs. MSADY: 2.54 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MSADY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.46  Med: 3.84 Max: 7.16
Current: 2.54
1.46
7.16
3-Year Average Share Buyback Ratio 1.00
MSADY's 3-Year Average Share Buyback Ratio is ranked higher than
79% of the 84 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -1.20 vs. MSADY: 1.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MSADY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -14.4  Med: 0.6 Max: 79.1
Current: 1
-14.4
79.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.08
MSADY's Price/Tangible Book is ranked higher than
63% of the 203 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.36 vs. MSADY: 1.08 )
Ranked among companies with meaningful Price/Tangible Book only.
MSADY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 0.78 Max: 1.15
Current: 1.08
0.62
1.15
Price/Projected FCF 1.19
MSADY's Price/Projected FCF is ranked lower than
75% of the 91 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.76 vs. MSADY: 1.19 )
Ranked among companies with meaningful Price/Projected FCF only.
MSADY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.35  Med: 0.94 Max: 1.19
Current: 1.19
0.35
1.19
Price/Median PS Value 1.13
MSADY's Price/Median PS Value is ranked lower than
67% of the 195 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.97 vs. MSADY: 1.13 )
Ranked among companies with meaningful Price/Median PS Value only.
MSADY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.6  Med: 1 Max: 5.53
Current: 1.13
0.6
5.53
Price/Graham Number 0.74
MSADY's Price/Graham Number is ranked higher than
64% of the 158 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.85 vs. MSADY: 0.74 )
Ranked among companies with meaningful Price/Graham Number only.
MSADY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.5  Med: 0.7 Max: 4.03
Current: 0.74
0.5
4.03
Earnings Yield (Greenblatt) (%) 47.76
MSADY's Earnings Yield (Greenblatt) (%) is ranked higher than
95% of the 203 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.20 vs. MSADY: 47.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MSADY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.2  Med: 29.8 Max: 5040.6
Current: 47.76
2.2
5040.6

More Statistics

Revenue (TTM) (Mil) $48,140
EPS (TTM) $ 1.45
Beta1.12
Short Percentage of Float0.00%
52-Week Range $11.21 - 15.96
Shares Outstanding (Mil)1,200.86
» More Articles for OTCPK:MSADY

Headlines

Articles On GuruFocus.com
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More From Other Websites
MS&AD Insurance Group Holdings, Inc. :MSADY-US: Earnings Analysis: Q2, 2017 By the Numbers :... Nov 28 2016
Announcement of FY2016 2Q Earning Results Nov 18 2016
Notice Regarding Issuance of Domestic Subordinated Unsecured Bonds Nov 18 2016
Announcement of FY 2016 Second Quarter Earning Results Nov 18 2016
Notice Regarding Repurchase of the Company's Own Shares Oct 31 2016
ETF’s with exposure to MS&AD Insurance Group Holdings, Inc. : October 4, 2016 Oct 04 2016
MS&AD Insurance Group Holdings, Inc. : MSADY-US: Dividend Analysis : March 30th, 2016 (record date)... Sep 29 2016
MS&AD IR Day 2016 was held on September 28, 2016. Sep 29 2016
MS&AD Insurance Group Hpoldings selected in the Dow Jones Sustainability Indices Sep 16 2016
Monthly Sales Data of August 2016 is available. Sep 06 2016
Notice Regarding Acquisition of Shares of MAPFRE and Strengthening of Partnership by Mitsui Sumitomo... Aug 25 2016
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