MS&AD Insurance Group Holdings (STU:59M) Cyclically Adjusted PS Ratio: (As of Sep. 06, 2026)

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STU:59M MS&AD Insurance Group Holdings Inc STU:59M
68 GF Score
Price €28.71
GF Value €32.46
Valuation Modestly Undervalued
! 5 Warning Signs
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What is MS&AD Insurance Group Holdings Cyclically Adjusted PS Ratio?

Note: If the price history is too short, we do not calculate current Cyclically Adjusted PS Ratio for this stock. All the historical data is shown as the company's primary share's data instead.

Shiller PE for Stocks: The True Measure of Stock Valuation


MS&AD Insurance Group Holdings  (STU:59M) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


MS&AD Insurance Group Holdings Cyclically Adjusted PS Ratio Related Terms


MS&AD Insurance Group Holdings Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for MS&AD Insurance Group Holdings's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

MS&AD Insurance Group Holdings Cyclically Adjusted PS Ratio Chart

MS&AD Insurance Group Holdings Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.48 0.47 0.86 0.95 1.10

MS&AD Insurance Group Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.93 0.95 1.03 1.10 0.00

STU:59M vs CB, PGR, TRV: Cyclically Adjusted PS Ratio Comparison

For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


MS&AD Insurance Group Holdings Cyclically Adjusted PS Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where MS&AD Insurance Group Holdings's Cyclically Adjusted PS Ratio falls into.


STU:59M
68GF Score
MS&AD Insurance Group Holdings Inc STU:59M
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

MS&AD Insurance Group Holdings Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

MS&AD Insurance Group Holdings's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, MS&AD Insurance Group Holdings's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=8.948/112.7000*112.7000
=8.948

Current CPI (Mar. 2026) = 112.7000.

MS&AD Insurance Group Holdings Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 5.698 98.100 6.546
201609 6.907 98.000 7.943
201612 6.120 98.400 7.009
201703 5.974 98.100 6.863
201706 6.577 98.500 7.525
201709 5.780 98.800 6.593
201712 5.205 99.400 5.901
201803 4.308 99.200 4.894
201806 6.231 99.200 7.079
201809 6.515 99.900 7.350
201812 5.034 99.700 5.690
201903 6.115 99.700 6.912
201906 6.740 99.800 7.611
201909 6.590 100.100 7.420
201912 6.167 100.500 6.916
202003 2.829 100.300 3.179
202006 6.378 99.900 7.195
202009 5.400 99.900 6.092
202012 5.343 99.300 6.064
202103 5.617 99.900 6.337
202106 5.631 99.500 6.378
202109 5.754 100.100 6.478
202112 5.357 100.100 6.031
202203 6.362 101.100 7.092
202206 4.797 101.800 5.311
202209 6.160 103.100 6.734
202212 4.899 104.100 5.304
202303 6.116 104.400 6.602
202306 7.254 105.200 7.771
202309 6.057 106.200 6.428
202312 5.555 106.800 5.862
202403 6.381 107.200 6.708
202406 6.376 108.200 6.641
202409 6.279 108.900 6.498
202412 6.588 110.700 6.707
202503 5.678 111.100 5.760
202506 7.714 111.700 7.783
202509 7.803 112.000 7.852
202512 5.077 113.000 5.064
202603 8.948 112.700 8.948

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is MS&AD Insurance Group Holdings (STU:59M) Overvalued in 2026?

Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be undervalued. The current stock price of €28.71 is trading 11.6% below its estimated GF Value™ of €32.46. GuruFocus considers MS&AD Insurance Group Holdings to be Modestly Undervalued.

Key valuation signals for STU:59M:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: €32.46 vs. price of €28.71 (11.6% below fair value)
  • GF Score™: 68/100 with 5 warning signs

No single metric tells the full story. See the STU:59M stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


MS&AD Insurance Group Holdings Business Description

Address Yaesu First Financial Building, Yaesu 1-3-7, Chuo-ku, Tokyo, JPN, 103-0028
MS&AD is Japan's largest domestic property and casualty insurer by market share, trailing Tokio Marine HCC in global scale. Domestically, it maintains a solid second-tier life presence. Overseas, MS&AD holds a dominant, profitable retail footprint in the Association of Southeast Asian Nations and is aggressively pivoting to US specialty lines via a milestone investment in W.R. Berkley, supported by MS Amlin's successful turnaround in global specialty markets.Domestically, MS&AD leverages deep corporate ties with Mitsui and Sumitomo, alongside an exclusive Toyota partnership that provides unparalleled advantages in capturing auto insurance customers and building advanced telematics data funnels.
68GF Score

Get the complete analysis for STU:59M

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€28.71
Price
€32.46
GF Value