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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for MS&AD Insurance Group Holdings's Debt-to-Equity or its related term are showing as below:
MSADF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.17 Med: 0.24 Max: 0.33
Current: 0.24
During the past 13 years, the highest Debt-to-Equity Ratio of MS&AD Insurance Group Holdings was 0.33. The lowest was 0.17. And the median was 0.24.
MSADF's Debt-to-Equity is ranked worse than 56.27% of 407
companies
in the Insurance industry
Industry Median: 0.2
vs MSADF: 0.24
MS&AD Insurance Group Holdings (OTCPK:MSADF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
MS&AD Insurance Group Holdings Debt-to-Equity Related Terms
MS&AD Insurance Group Holdings Debt-to-Equity 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-Equity Chart
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's Debt-to-Equity 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.
MS&AD Insurance Group Holdings (MSADF) has a Debt-to-Equity of 0.24 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on MS&AD Insurance Group Holdings and its competitors. This is near median its historical median of 0.24. Over the past decade, MS&AD Insurance Group Holdings' Debt-to-Equity has ranged from 0.17 to 0.33. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #229 out of 407 companies in the Insurance industry, placing it in the top 56.3%.
Is MS&AD Insurance Group Holdings' Debt-to-Equity too high?
MS&AD Insurance Group Holdings' current Debt-to-Equity of 0.24 is near median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.33. The Insurance industry median Debt-to-Equity is 0.20. MS&AD Insurance Group Holdings' value of 0.24 is 20% above this industry median. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #229 out of 407 companies in the Insurance industry, which is below the industry midpoint. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' Debt-to-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #229 out of 407 companies for Debt-to-Equity. This places MS&AD Insurance Group Holdings in the lower half of its industry. The industry median Debt-to-Equity is 0.20. MS&AD Insurance Group Holdings' value of 0.24 is 20% above this benchmark. Historically, MS&AD Insurance Group Holdings' own Debt-to-Equity has ranged from 0.17 to 0.33 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 0.20, 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 407 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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-Equity of 0.24 is 20% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — 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-Equity is 0.24, which is near median its own 10-year median of 0.24. 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 $28.26, compared to a current price of $28.00 — trading 0.9% below its estimated fair value. The current Debt-to-Equity is 0.24, which is near median its 10-year median of 0.24 and 20% above the Insurance industry median of 0.20. MS&AD Insurance Group Holdings' overall GF Score™ is 79/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current Debt-to-Equity is 0.24 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 $28.00 is trading 0.9% below its estimated GF Value™ of $28.26.
GuruFocus considers MS&AD Insurance Group Holdings to be Fairly Valued.
Key valuation signals for MSADF:
Debt-to-Equity: 0.24 (near median its 10-year median of 0.24)
GF Value™: $28.26 vs. price of $28.00 (0.9% below fair value)
Industry Position: 20% above the Insurance median (#229 of 407)
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.
79GF Score
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