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MS&AD Insurance Group HoldingsMSADF 81 3-Year EBITDA Growth Rate is 87.40% as of Mar. 2026, which is 634% above its 10-year median of 11.90. GuruFocus rates MSADF with a GF Score™ of 81/100 and a GF Value™ of $28.14 (Fairly Valued). The stock has 4 warning signs investors should review. Among 293 Insurance companies, MS&AD Insurance Group Holdings ranks better than 92.49% on this metric.
During the past 12 months, MS&AD Insurance Group Holdings's average EBITDA Per Share Growth Rate was 47.10% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 87.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 25.90% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 9.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of MS&AD Insurance Group Holdings was 87.40% per year. The lowest was -34.10% per year. And the median was 11.90% per year.
MS&AD Insurance Group Holdings (OTCPK:MSADF) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
MS&AD Insurance Group Holdings 3-Year EBITDA Growth Rate Related Terms
MSADF vs CB, PGR, TRV: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's 3-Year EBITDA Growth Rate falls into.
MS&AD Insurance Group Holdings 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 87.40% mean?
MS&AD Insurance Group Holdings (MSADF) has a 3-Year EBITDA Growth Rate of 87.40% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for MS&AD Insurance Group Holdings and its competitors. This is 634% above median its historical median of 11.90. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #22 out of 293 companies in the Insurance industry, placing it in the top 7.5%.
Is MS&AD Insurance Group Holdings' 3-Year EBITDA Growth Rate too high?
MS&AD Insurance Group Holdings' current 3-Year EBITDA Growth Rate of 87.40% is 634% above median its 10-year median of 11.90. The Insurance industry median 3-Year EBITDA Growth Rate is 17.20. MS&AD Insurance Group Holdings' value of 87.40% is 408.1% above this industry median. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #22 out of 293 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' 3-Year EBITDA Growth Rate compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #22 out of 293 companies for 3-Year EBITDA Growth Rate. This places MS&AD Insurance Group Holdings in the top 8% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 17.20. MS&AD Insurance Group Holdings' value of 87.40% is 408.1% above this benchmark. While the company's 10-year median is 11.90 vs. the industry median of 17.20, 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 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.20, based on 293 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MS&AD Insurance Group Holdings's current 3-Year EBITDA Growth Rate of 87.40% is 408.1% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current 3-Year EBITDA Growth Rate is 87.40%, which is 634% above median its own 10-year median of 11.90. 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 $28.14, compared to a current price of $29.72 — trading 5.6% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 87.40%, which is 634% above median its 10-year median of 11.90 and 408.1% above the Insurance industry median of 17.20. MS&AD Insurance Group Holdings' overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current 3-Year EBITDA Growth Rate is 87.40% 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 overvalued.
The current stock price of $29.72 is trading 5.6% above its estimated GF Value™ of $28.14.
GuruFocus considers MS&AD Insurance Group Holdings to be Fairly Valued.
Key valuation signals for MSADF:
3-Year EBITDA Growth Rate: 87.40% (634% above median its 10-year median of 11.90)
GF Value™: $28.14 vs. price of $29.72 (5.6% above fair value)
Industry Position: 408.1% above the Insurance median (#22 of 293)
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.
81GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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