MSADY (MS&AD Insurance Group Holdings) EBIT: $7,107 Mil (TTM As of Dec. 2025)


MSADY MS&AD Insurance Group Holdings Inc MSADY
78 GF Score
Price $27.57
GF Value $24.46
Valuation Modestly Overvalued
! 5 Warning Signs
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What is MS&AD Insurance Group Holdings EBIT?

MS&AD Insurance Group Holdings MSADY -3.43% 78 EBIT is $7,107 Mil as of Dec. 2025. GuruFocus rates MSADY with a GF Score™ of 78/100 and a GF Value™ of $24.46 (Modestly Overvalued). The stock has 5 warning signs investors should review.

MS&AD Insurance Group Holdings's earnings before interest and taxes (EBIT) for the three months ended in Dec. 2025 was $1,425 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was $7,107 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. MS&AD Insurance Group Holdings's annualized ROC % for the quarter that ended in Dec. 2025 was 2.55%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. MS&AD Insurance Group Holdings's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 20.56%.


MS&AD Insurance Group Holdings  (OTCPK:MSADY) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

MS&AD Insurance Group Holdings's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Sep. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=5698.772 * ( 1 - 23.74% )/( (173630.5106 + 166813.8676)/ 2 )
=4345.8835272/170222.1891
=2.55 %

where

Invested Capital(Q: Sep. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=184519.146 - 0 - ( 12700.407 - 5% * 36235.432 )
=173630.5106

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=179466.042 - 0 - ( 12032.21 - 5% * -12399.288 )
=166813.8676

Note: The EBIT data used here is four times the quarterly (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

MS&AD Insurance Group Holdings's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=7106.632/34560.901
=20.56 %

* 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 EBIT Related Terms


MS&AD Insurance Group Holdings EBIT Historical Data

* Premium members only.

The historical data trend for MS&AD Insurance Group Holdings's EBIT 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 EBIT Chart

MS&AD Insurance Group Holdings Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3,251.12 2,296.71 3,155.26 6,166.51 6,729.03

MS&AD Insurance Group Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT 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 647.48 2,081.69 2,441.55 1,424.69 1,158.70

MSADY vs CB, PGR, TRV: EBIT Comparison

For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where MS&AD Insurance Group Holdings's EV-to-EBIT falls into.


MSADY
78GF Score
MS&AD Insurance Group Holdings Inc MSADY
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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MS&AD Insurance Group Holdings EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $7,107 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $7,107 Mil mean?
MS&AD Insurance Group Holdings (MSADY) has a EBIT of $7,107 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on MS&AD Insurance Group Holdings.
Is MS&AD Insurance Group Holdings' EBIT too high?
MS&AD Insurance Group Holdings' current EBIT is $7,107 Mil. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' EBIT compare to CB and PGR?
MS&AD Insurance Group Holdings' EBIT of $7,107 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on MS&AD Insurance Group Holdings. MS&AD Insurance Group Holdings's current EBIT is $7,107 Mil. 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 (MSADY) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.46, compared to a current price of $27.57 — trading 12.7% above its estimated fair value. The current EBIT is $7,107 Mil. MS&AD Insurance Group Holdings' overall GF Score™ is 78/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADY), the current EBIT is $7,107 Mil as of Dec. 2025. 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 (MSADY) Overvalued in 2026?

Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be overvalued. The current stock price of $27.57 is trading 12.7% above its estimated GF Value™ of $24.46. GuruFocus considers MS&AD Insurance Group Holdings to be Modestly Overvalued.

Key valuation signals for MSADY:

  • EBIT: $7,107 Mil
  • GF Value™: $24.46 vs. price of $27.57 (12.7% above fair value)
  • GF Score™: 78/100 with 5 warning signs

No single metric tells the full story. See the MSADY 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.
78GF Score

Get the complete analysis for MSADY

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

$27.57
Price
$24.46
GF Value