MS&AD Insurance Group Holdings (NGO:8725) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
MS&AD Insurance Group Holdings EBITDA Margin % Related Terms
MS&AD Insurance Group Holdings EBITDA Margin % 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 EBITDA Margin % Chart
NGO:8725 vs CB, PGR, TRV: EBITDA Margin % Comparison
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's EBITDA Margin % 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 (NGO:8725) has a EBITDA Margin % of -11.49% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on MS&AD Insurance Group Holdings and its competitors. Over the past decade, MS&AD Insurance Group Holdings' EBITDA Margin % has ranged from 2.24 to 16.40. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #191 out of 371 companies in the Insurance industry, placing it in the top 51.5%.
Is MS&AD Insurance Group Holdings' EBITDA Margin % too high?
MS&AD Insurance Group Holdings' current EBITDA Margin % is -11.49%. Over the past 10 years, this metric has ranged from a low of 2.24 to a high of 16.40. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #191 out of 371 companies in the Insurance industry, which is below the industry midpoint. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' EBITDA Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #191 out of 371 companies for EBITDA Margin %. This places MS&AD Insurance Group Holdings in the lower half of its industry. The industry median EBITDA Margin % is 14.91. Historically, MS&AD Insurance Group Holdings' own EBITDA Margin % has ranged from 2.24 to 16.40 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.91, based on 371 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current EBITDA Margin % is -11.49%. 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?
MS&AD Insurance Group Holdings (NGO:8725) has a current EBITDA Margin % of -11.49%. The stock's GF Value™ is 円3,486.12, compared to a current price of 円4,167.00 — trading 19.5% above its estimated fair value. The current EBITDA Margin % is -11.49%. MS&AD Insurance Group Holdings' overall GF Score™ is 80/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (NGO:8725), the current EBITDA Margin % is -11.49% 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 (NGO:8725) Overvalued in 2026?
Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be overvalued.
The current stock price of 円4,167.00 is trading 19.5% above its estimated GF Value™ of 円3,486.12.
Key valuation signals for NGO:8725:
EBITDA Margin %: -11.49%
GF Value™: 円3,486.12 vs. price of 円4,167.00 (19.5% above fair value)
No single metric tells the full story. See the NGO:8725 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.
80GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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