MS&AD Insurance Group HoldingsMSADF 70 Debt-to-EBITDA is 2.07 as of Mar. 2026, which is 14% above its 10-year median of 1.81. GuruFocus rates MSADF with a GF Score™ of 70/100 and a GF Value™ of $27.89 (Fairly Valued). The stock has 3 warning signs investors should review. Among 322 Insurance companies, MS&AD Insurance Group Holdings ranks worse than 56.52% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for MS&AD Insurance Group Holdings's Debt-to-EBITDA or its related term are showing as below:
MSADF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.25 Med: 1.81 Max: 7.76
Current: 1.42
During the past 13 years, the highest Debt-to-EBITDA Ratio of MS&AD Insurance Group Holdings was 7.76. The lowest was 1.25. And the median was 1.81.
MSADF's Debt-to-EBITDA is ranked worse than 56.52% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs MSADF: 1.42
MS&AD Insurance Group Holdings (OTCPK:MSADF) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
MS&AD Insurance Group Holdings Debt-to-EBITDA Related Terms
MS&AD Insurance Group Holdings Debt-to-EBITDA Historical Data
* 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 Debt-to-EBITDA Chart
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
MS&AD Insurance Group Holdings (MSADF) has a Debt-to-EBITDA of 2.07 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on MS&AD Insurance Group Holdings. This is 14% above median its historical median of 1.81. Over the past decade, MS&AD Insurance Group Holdings' Debt-to-EBITDA has ranged from 1.25 to 7.76. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #182 out of 322 companies in the Insurance industry, placing it in the top 56.5%.
Is MS&AD Insurance Group Holdings' Debt-to-EBITDA too high?
MS&AD Insurance Group Holdings' current Debt-to-EBITDA of 2.07 is 14% above median its 10-year median of 1.81. Over the past 10 years, this metric has ranged from a low of 1.25 to a high of 7.76. The Insurance industry median Debt-to-EBITDA is 1.19. MS&AD Insurance Group Holdings' value of 2.07 is 74.7% above this industry median. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #182 out of 322 companies in the Insurance industry, which is below the industry midpoint. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #182 out of 322 companies for Debt-to-EBITDA. This places MS&AD Insurance Group Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. MS&AD Insurance Group Holdings' value of 2.07 is 74.7% above this benchmark. Historically, MS&AD Insurance Group Holdings' own Debt-to-EBITDA has ranged from 1.25 to 7.76 over the past decade. While the company's 10-year median is 1.81 vs. the industry median of 1.19, MS&AD Insurance Group Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 322 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MS&AD Insurance Group Holdings's current Debt-to-EBITDA of 2.07 is 74.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on MS&AD Insurance Group Holdings. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current Debt-to-EBITDA is 2.07, which is 14% above median its own 10-year median of 1.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MS&AD Insurance Group Holdings stock overvalued right now?
Based on GuruFocus' analysis, MS&AD Insurance Group Holdings (MSADF) is currently considered Fairly Valued. The stock's GF Value™ is $27.89, compared to a current price of $26.47 — trading 5.1% below its estimated fair value. The current Debt-to-EBITDA is 2.07, which is 14% above median its 10-year median of 1.81 and 74.7% above the Insurance industry median of 1.19. MS&AD Insurance Group Holdings' overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current Debt-to-EBITDA is 2.07 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is MS&AD Insurance Group Holdings (MSADF) Overvalued in 2026?
Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be undervalued.
The current stock price of $26.47 is trading 5.1% below its estimated GF Value™ of $27.89.
GuruFocus considers MS&AD Insurance Group Holdings to be Fairly Valued.
Key valuation signals for MSADF:
Debt-to-EBITDA: 2.07 (14% above median its 10-year median of 1.81)
GF Value™: $27.89 vs. price of $26.47 (5.1% below fair value)
Industry Position: 74.7% above the Insurance median (#182 of 322)
No single metric tells the full story. See the MSADF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MS&AD Insurance Group Holdings Business Description
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.
70GF Score
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