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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 3.13
MSADY's Cash-to-Debt is ranked lower than
69% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. MSADY: 3.13 )
Ranked among companies with meaningful Cash-to-Debt only.
MSADY' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.65  Med: 2.96 Max: No Debt
Current: 3.13
Equity-to-Asset 0.13
MSADY's Equity-to-Asset is ranked lower than
76% of the 190 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.24 vs. MSADY: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
MSADY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.14 Max: 0.17
Current: 0.13
0.09
0.17
Debt-to-Equity 0.16
MSADY's Debt-to-Equity is ranked higher than
65% of the 82 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 vs. MSADY: 0.16 )
Ranked among companies with meaningful Debt-to-Equity only.
MSADY' s Debt-to-Equity Range Over the Past 10 Years
Min: 0  Med: 0.1 Max: 0.24
Current: 0.16
0
0.24
Debt-to-EBITDA 1.25
MSADY's Debt-to-EBITDA is ranked higher than
53% of the 89 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.43 vs. MSADY: 1.25 )
Ranked among companies with meaningful Debt-to-EBITDA only.
MSADY' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -4.08  Med: 1.19 Max: 4.95
Current: 1.25
-4.08
4.95
Interest Coverage 46.35
MSADY's Interest Coverage is ranked lower than
66% of the 190 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. MSADY: 46.35 )
Ranked among companies with meaningful Interest Coverage only.
MSADY' s Interest Coverage Range Over the Past 10 Years
Min: 11.59  Med: 31.31 Max: 56.25
Current: 46.35
11.59
56.25
WACC vs ROIC
7.00%
29.93%
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 : 4/10

vs
industry
vs
history
Operating Margin % 7.87
MSADY's Operating Margin % is ranked lower than
57% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.30 vs. MSADY: 7.87 )
Ranked among companies with meaningful Operating Margin % only.
MSADY' s Operating Margin % Range Over the Past 10 Years
Min: -2.56  Med: 3.17 Max: 7.87
Current: 7.87
-2.56
7.87
Net Margin % 4.86
MSADY's Net Margin % is ranked lower than
68% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.74 vs. MSADY: 4.86 )
Ranked among companies with meaningful Net Margin % only.
MSADY' s Net Margin % Range Over the Past 10 Years
Min: -4.5  Med: 1.93 Max: 4.86
Current: 4.86
-4.5
4.86
ROE % 10.05
MSADY's ROE % is ranked lower than
54% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.23 vs. MSADY: 10.05 )
Ranked among companies with meaningful ROE % only.
MSADY' s ROE % Range Over the Past 10 Years
Min: -10.91  Med: 3.82 Max: 10.05
Current: 10.05
-10.91
10.05
ROA % 1.28
MSADY's ROA % is ranked lower than
65% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.46 vs. MSADY: 1.28 )
Ranked among companies with meaningful ROA % only.
MSADY' s ROA % Range Over the Past 10 Years
Min: -1.3  Med: 0.53 Max: 1.28
Current: 1.28
-1.3
1.28
3-Year Revenue Growth Rate 8.20
MSADY's 3-Year Revenue Growth Rate is ranked higher than
57% of the 179 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.60 vs. MSADY: 8.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MSADY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.2  Med: 8.2 Max: 409.2
Current: 8.2
-2.2
409.2
3-Year EBITDA Growth Rate 21.70
MSADY's 3-Year EBITDA Growth Rate is ranked higher than
85% of the 156 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.50 vs. MSADY: 21.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MSADY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -41.8  Med: 21.7 Max: 578.5
Current: 21.7
-41.8
578.5
3-Year EPS without NRI Growth Rate 32.60
MSADY's 3-Year EPS without NRI Growth Rate is ranked higher than
83% of the 154 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.30 vs. MSADY: 32.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
MSADY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -61.5  Med: 30.5 Max: 596.2
Current: 32.6
-61.5
596.2
GuruFocus has detected 1 Warning Sign with MS&AD Insurance Group Holdings Inc MSADY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» MSADY's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Insurance » Insurance - Diversified  
Compare:NYSE:HIG, TSE:8630, XAMS:NN, TSX:SLF, BOM:532978, XAMS:AGN, XSWX:SLHN, NYSE:ATH, LSE:AV., XTER:TLX, OSL:GJF, MIL:G, XSWX:BALN, TSE:8729, XKRX:000815, LSE:DLG, ASX:MPL, OCSE:TRYG, MIL:US, XAMS:ASRNL » details
Traded in other countries:59M.Germany, 8725.Japan,
Headquarter Location:Japan
MS&AD Insurance Group Holdings Inc is engaged in insurance holding business. It offers various life and non-life insurance products, such as marine, personal accident, compulsory automobile liability, voluntary automobile, and health.

MS&AD Insurance Group Holdings Inc is engaged in insurance holding business. The company's segment includes Domestic Non-life Insurance Business (MSI), Domestic Non-life Insurance Business (ADI), Domestic Non-life Insurance Business (Mitsui Direct General), Domestic Life Insurance Business (MSAL), Domestic Life Insurance Business (MSPL) and International Business (Overseas Insurance Subsidiaries). It 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.

Ratios

vs
industry
vs
history
PE Ratio 8.37
MSADY's PE Ratio is ranked higher than
76% of the 173 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.24 vs. MSADY: 8.37 )
Ranked among companies with meaningful PE Ratio only.
MSADY' s PE Ratio Range Over the Past 10 Years
Min: 6.98  Med: 15.53 Max: 509.11
Current: 8.37
6.98
509.11
PE Ratio without NRI 8.37
MSADY's PE Ratio without NRI is ranked higher than
77% of the 174 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.36 vs. MSADY: 8.37 )
Ranked among companies with meaningful PE Ratio without NRI only.
MSADY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.98  Med: 15.53 Max: 509.11
Current: 8.37
6.98
509.11
Price-to-Owner-Earnings 27.51
MSADY's Price-to-Owner-Earnings is ranked lower than
83% of the 109 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.16 vs. MSADY: 27.51 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MSADY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.85  Med: 21.04 Max: 38.95
Current: 27.51
8.85
38.95
PB Ratio 0.78
MSADY's PB Ratio is ranked higher than
79% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.26 vs. MSADY: 0.78 )
Ranked among companies with meaningful PB Ratio only.
MSADY' s PB Ratio Range Over the Past 10 Years
Min: 0.51  Med: 0.72 Max: 1.2
Current: 0.78
0.51
1.2
PS Ratio 0.41
MSADY's PS Ratio is ranked higher than
86% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.10 vs. MSADY: 0.41 )
Ranked among companies with meaningful PS Ratio only.
MSADY' s PS Ratio Range Over the Past 10 Years
Min: 0.19  Med: 0.38 Max: 2.6
Current: 0.41
0.19
2.6
EV-to-EBIT 0.23
MSADY's EV-to-EBIT is ranked higher than
99% of the 152 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.44 vs. MSADY: 0.23 )
Ranked among companies with meaningful EV-to-EBIT only.
MSADY' s EV-to-EBIT Range Over the Past 10 Years
Min: -152  Med: 2.1 Max: 44.4
Current: 0.23
-152
44.4
EV-to-EBITDA 0.23
MSADY's EV-to-EBITDA is ranked higher than
99% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.29 vs. MSADY: 0.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
MSADY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -152  Med: 2.7 Max: 26.6
Current: 0.23
-152
26.6
EV-to-Revenue 0.02
MSADY's EV-to-Revenue is ranked higher than
99% of the 179 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.96 vs. MSADY: 0.02 )
Ranked among companies with meaningful EV-to-Revenue only.
MSADY' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.1  Med: 0.2 Max: 2
Current: 0.02
-0.1
2
Shiller PE Ratio 19.51
MSADY's Shiller PE Ratio is ranked lower than
52% of the 25 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.91 vs. MSADY: 19.51 )
Ranked among companies with meaningful Shiller PE Ratio only.
MSADY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 18.32  Med: 19.93 Max: 21.08
Current: 19.51
18.32
21.08

Buy Back

vs
industry
vs
history
Dividend Payout Ratio 0.10
MSADY's Dividend Payout Ratio is ranked higher than
96% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.46 vs. MSADY: 0.10 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MSADY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.39 Max: 6.22
Current: 0.1
0.1
6.22
3-Year Dividend Growth Rate 28.90
MSADY's 3-Year Dividend Growth Rate is ranked higher than
90% of the 87 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.40 vs. MSADY: 28.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
MSADY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 28.9
Current: 28.9
0
28.9
5-Year Yield-on-Cost % 2.99
MSADY's 5-Year Yield-on-Cost % is ranked higher than
86% of the 303 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.00 vs. MSADY: 2.99 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MSADY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.09  Med: 5.89 Max: 10.28
Current: 2.99
2.09
10.28
3-Year Average Share Buyback Ratio 1.50
MSADY's 3-Year Average Share Buyback Ratio is ranked higher than
79% of the 106 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. MSADY: 1.50 )
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: 0.7 Max: 79.1
Current: 1.5
-14.4
79.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.92
MSADY's Price-to-Tangible-Book is ranked higher than
75% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.48 vs. MSADY: 0.92 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MSADY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.62  Med: 0.78 Max: 1.14
Current: 0.92
0.62
1.14
Price-to-Intrinsic-Value-Projected-FCF 0.97
MSADY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
63% of the 67 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.74 vs. MSADY: 0.97 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MSADY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.35  Med: 0.96 Max: 1.07
Current: 0.97
0.35
1.07
Price-to-Median-PS-Value 1.07
MSADY's Price-to-Median-PS-Value is ranked lower than
52% of the 173 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.02 vs. MSADY: 1.07 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MSADY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.59  Med: 1 Max: 5.36
Current: 1.07
0.59
5.36
Price-to-Graham-Number 0.58
MSADY's Price-to-Graham-Number is ranked higher than
81% of the 165 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.90 vs. MSADY: 0.58 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MSADY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.5  Med: 0.69 Max: 4.03
Current: 0.58
0.5
4.03
Earnings Yield (Greenblatt) % 434.78
MSADY's Earnings Yield (Greenblatt) % is ranked higher than
99% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.05 vs. MSADY: 434.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MSADY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -5087.8  Med: 28.1 Max: 4786.7
Current: 434.78
-5087.8
4786.7

More Statistics

Revenue (TTM) (Mil) $49,398.42
EPS (TTM) $ 2.00
Beta1.06
Short Percentage of Float0.00%
52-Week Range $14.97 - 18.21
Shares Outstanding (Mil)1,104.82 (ADR)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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