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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 3.11
OTCPK:MSADY's Cash-to-Debt is ranked lower than
70% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10000.00 vs. OTCPK:MSADY: 3.11 )
Ranked among companies with meaningful Cash-to-Debt only.
OTCPK:MSADY' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.84  Med: 3.17 Max: No Debt
Current: 3.11
Equity-to-Asset 0.13
OTCPK:MSADY's Equity-to-Asset is ranked lower than
74% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.24 vs. OTCPK:MSADY: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
OTCPK:MSADY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.17 Max: 0.28
Current: 0.13
0.1
0.28
Interest Coverage 39.24
OTCPK:MSADY's Interest Coverage is ranked lower than
67% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. OTCPK:MSADY: 39.24 )
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: 56.25
Current: 39.24
11.59
56.25
WACC vs ROIC
7.12%
22.53%
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 % 6.61
OTCPK:MSADY's Operating Margin % is ranked lower than
62% of the 189 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.08 vs. OTCPK:MSADY: 6.61 )
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: 6.61
Current: 6.61
-2.56
6.61
Net Margin % 3.94
OTCPK:MSADY's Net Margin % is ranked lower than
71% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.99 vs. OTCPK:MSADY: 3.94 )
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: 3.94
Current: 3.94
-4.5
3.94
ROE % 8.07
OTCPK:MSADY's ROE % is ranked lower than
60% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.98 vs. OTCPK:MSADY: 8.07 )
Ranked among companies with meaningful ROE % only.
OTCPK:MSADY' s ROE % Range Over the Past 10 Years
Min: -10.91  Med: 3.82 Max: 8.07
Current: 8.07
-10.91
8.07
ROA % 1.03
OTCPK:MSADY's ROA % is ranked lower than
64% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.44 vs. OTCPK:MSADY: 1.03 )
Ranked among companies with meaningful ROA % only.
OTCPK:MSADY' s ROA % Range Over the Past 10 Years
Min: -1.3  Med: 0.53 Max: 1.03
Current: 1.03
-1.3
1.03
3-Year Revenue Growth Rate 8.20
OTCPK:MSADY's 3-Year Revenue Growth Rate is ranked higher than
50% of the 165 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.50 vs. OTCPK:MSADY: 8.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OTCPK: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
OTCPK:MSADY's 3-Year EBITDA Growth Rate is ranked higher than
86% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.60 vs. OTCPK:MSADY: 21.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OTCPK: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
OTCPK:MSADY's 3-Year EPS without NRI Growth Rate is ranked higher than
84% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.30 vs. OTCPK:MSADY: 32.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OTCPK: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 2 Warning Signs with MS&AD Insurance Group Holdings Inc $OTCPK:MSADY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OTCPK:MSADY's 30-Y Financials

Financials


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

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Business Description

Industry: Insurance » Insurance - Diversified  
Compare:NYSE:SLF, NYSE:HIG, OTCPK:BBSEY, OTCPK:ARZGF, OTCPK:SMPNY, OTCPK:AVVIY, OTCPK:NNGPF, NYSE:AEG, NYSE:ATH, OTCPK:GJNSY, OTCPK:SNYFY, OTCPK:DIISY, NYSE:AIZ, NYSE:ORI, NAS:ESGR, OTCPK:VNRFY, OTCPK:DGRLY, OTCPK:TPDKY, NYSE:KMPR, NYSE:GNW » details
Traded in other countries:59M.Germany, 8725.Japan,
Headquarter Location: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 is a diversified insurance company that operates multiple segments, including Mitsui Sumitomo Insurance, Aioi Nissay Dowa Insurance, and other various lines. Its largest segment by revenue is Mitsui Sumitomo Insurance, which offers non-life-insurance products. The company considers mergers and acquisitions as a component of its operational growth strategy. The vast majority of the company's revenue is generated in Japan.

Ratios

vs
industry
vs
history
PE Ratio 10.77
MSADY's PE Ratio is ranked higher than
65% of the 171 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.33 vs. MSADY: 10.77 )
Ranked among companies with meaningful PE Ratio only.
MSADY' s PE Ratio Range Over the Past 10 Years
Min: 6.98  Med: 15.83 Max: 509.11
Current: 10.77
6.98
509.11
PE Ratio without NRI 10.77
MSADY's PE Ratio without NRI is ranked higher than
65% of the 171 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.33 vs. MSADY: 10.77 )
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: 15.83 Max: 509.11
Current: 10.77
6.98
509.11
Price-to-Owner-Earnings 28.06
MSADY's Price-to-Owner-Earnings is ranked lower than
89% of the 105 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.31 vs. MSADY: 28.06 )
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: 28.06
8.85
38.95
PB Ratio 0.83
MSADY's PB Ratio is ranked higher than
75% of the 193 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.26 vs. MSADY: 0.83 )
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: 0.83
0.51
1.2
PS Ratio 0.42
MSADY's PS Ratio is ranked higher than
86% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.07 vs. MSADY: 0.42 )
Ranked among companies with meaningful PS Ratio only.
MSADY' s PS Ratio Range Over the Past 10 Years
Min: 0.19  Med: 0.37 Max: 2.6
Current: 0.42
0.19
2.6
EV-to-EBIT 1.13
MSADY's EV-to-EBIT is ranked higher than
93% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.48 vs. MSADY: 1.13 )
Ranked among companies with meaningful EV-to-EBIT only.
MSADY' s EV-to-EBIT Range Over the Past 10 Years
Min: -152  Med: 2.2 Max: 44.4
Current: 1.13
-152
44.4
EV-to-EBITDA 1.13
MSADY's EV-to-EBITDA is ranked higher than
93% of the 151 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.93 vs. MSADY: 1.13 )
Ranked among companies with meaningful EV-to-EBITDA only.
MSADY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -152  Med: 2.9 Max: 26.6
Current: 1.13
-152
26.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.30
MSADY's Dividend Yield % is ranked lower than
64% of the 274 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.26 vs. MSADY: 1.30 )
Ranked among companies with meaningful Dividend Yield % only.
MSADY' s Dividend Yield % Range Over the Past 10 Years
Min: 0.93  Med: 2.55 Max: 4.57
Current: 1.3
0.93
4.57
Dividend Payout Ratio 0.13
MSADY's Dividend Payout Ratio is ranked higher than
70% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.97 vs. MSADY: 0.13 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MSADY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.39 Max: 6.22
Current: 0.13
0.13
6.22
3-Year Dividend Growth Rate 28.90
MSADY's 3-Year Dividend Growth Rate is ranked higher than
77% of the 78 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.50 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
Forward Dividend Yield % 2.60
MSADY's Forward Dividend Yield % is ranked lower than
65% of the 252 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.51 vs. MSADY: 2.60 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.92
MSADY's 5-Year Yield-on-Cost % is ranked higher than
50% of the 296 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.95 vs. MSADY: 2.92 )
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: 5.74 Max: 10.28
Current: 2.92
2.09
10.28
3-Year Average Share Buyback Ratio 1.10
MSADY's 3-Year Average Share Buyback Ratio is ranked higher than
77% of the 96 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.40 vs. MSADY: 1.10 )
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: 1.1
-14.4
79.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.98
MSADY's Price-to-Tangible-Book is ranked higher than
72% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.46 vs. MSADY: 0.98 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MSADY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.7  Med: 0.79 Max: 1.02
Current: 0.98
0.7
1.02
Price-to-Intrinsic-Value-Projected-FCF 1.02
MSADY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
76% of the 71 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.71 vs. MSADY: 1.02 )
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: 0.71  Med: 0.94 Max: 1.02
Current: 1.02
0.71
1.02
Price-to-Median-PS-Value 1.15
MSADY's Price-to-Median-PS-Value is ranked lower than
66% of the 186 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.02 vs. MSADY: 1.15 )
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: 0.76  Med: 1.03 Max: 5.5
Current: 1.15
0.76
5.5
Price-to-Graham-Number 0.68
MSADY's Price-to-Graham-Number is ranked higher than
76% of the 161 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.88 vs. MSADY: 0.68 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MSADY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.64  Med: 0.7 Max: 2.77
Current: 0.68
0.64
2.77
Earnings Yield (Greenblatt) % 88.50
MSADY's Earnings Yield (Greenblatt) % is ranked higher than
95% of the 189 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.21 vs. MSADY: 88.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MSADY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -5087.8  Med: 27.1 Max: 4786.7
Current: 88.5
-5087.8
4786.7

More Statistics

Revenue (TTM) (Mil) $49,162.86
EPS (TTM) $ 1.60
Beta1.00
Short Percentage of Float0.00%
52-Week Range $11.97 - 18.21
Shares Outstanding (Mil)1,184.82 (ADR)
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