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What is MS&AD Insurance Group Holdings EV-to-EBITDA?
MS&AD Insurance Group HoldingsMSADF 77 EV-to-EBITDA is 4.92 as of Jul. 16, 2026, which is 18% above its 10-year median of 4.17. GuruFocus rates MSADF with a GF Score™ of 77/100 and a GF Value™ of $28.26 (Fairly Valued). The stock has 3 warning signs investors should review. Among 347 Insurance companies, MS&AD Insurance Group Holdings ranks better than 71.47% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, MS&AD Insurance Group Holdings's enterprise value is $34,989 Mil.
MS&AD Insurance Group Holdings's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $7,107 Mil. Therefore, MS&AD Insurance Group Holdings's EV-to-EBITDA for today is 4.92.
The historical rank and industry rank for MS&AD Insurance Group Holdings's EV-to-EBITDA or its related term are showing as below:
MSADF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.54 Med: 4.17 Max: 107.37
Current: 4.92
During the past 13 years, the highest EV-to-EBITDA of MS&AD Insurance Group Holdings was 107.37. The lowest was 0.54. And the median was 4.17.
MSADF's EV-to-EBITDA is ranked better than 71.47% of 347
companies
in the Insurance industry
Industry Median: 8.23
vs MSADF: 4.92
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
MS&AD Insurance Group Holdings (OTCPK:MSADF) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
MS&AD Insurance Group Holdings's PE Ratio (TTM) for today is calculated as:
MS&AD Insurance Group Holdings's share price for today is $28.00.
MS&AD Insurance Group Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.607.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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.
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's EV-to-EBITDA falls into.
MS&AD Insurance Group Holdings's current Enterprise Value is $34,989 Mil.
MS&AD Insurance Group Holdings's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 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.
MS&AD Insurance Group Holdings (MSADF) has a EV-to-EBITDA of 4.92 as of Jul. 16, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on MS&AD Insurance Group Holdings. This is 18% above median its historical median of 4.17. Over the past decade, MS&AD Insurance Group Holdings' EV-to-EBITDA has ranged from 0.54 to 107.37. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #99 out of 347 companies in the Insurance industry, placing it in the top 28.5%.
Is MS&AD Insurance Group Holdings' EV-to-EBITDA too high?
MS&AD Insurance Group Holdings' current EV-to-EBITDA of 4.92 is 18% above median its 10-year median of 4.17. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 107.37. The Insurance industry median EV-to-EBITDA is 8.23. MS&AD Insurance Group Holdings' value of 4.92 is 40.2% below this industry median. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #99 out of 347 companies in the Insurance industry, which is above the industry midpoint. Overall, MS&AD Insurance Group Holdings has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' EV-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #99 out of 347 companies for EV-to-EBITDA. This puts MS&AD Insurance Group Holdings in the upper half of its industry. The industry median EV-to-EBITDA is 8.23. MS&AD Insurance Group Holdings' value of 4.92 is 40.2% below this benchmark. Historically, MS&AD Insurance Group Holdings' own EV-to-EBITDA has ranged from 0.54 to 107.37 over the past decade. While the company's 10-year median is 4.17 vs. the industry median of 8.23, MS&AD Insurance Group Holdings has consistently been below 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.23, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-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 EV-to-EBITDA of 4.92 is 40.2% below 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on MS&AD Insurance Group Holdings. For the Insurance industry, the median EV-to-EBITDA is 8.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current EV-to-EBITDA is 4.92, which is 18% above median its own 10-year median of 4.17. 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 EV-to-EBITDA is 4.92, which is 18% above median its 10-year median of 4.17 and 40.2% below the Insurance industry median of 8.23. MS&AD Insurance Group Holdings' overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current EV-to-EBITDA is 4.92 as of Jul. 16, 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:
EV-to-EBITDA: 4.92 (18% above median its 10-year median of 4.17)
GF Value™: $28.26 vs. price of $28.00 (0.9% below fair value)
Industry Position: 40.2% below the Insurance median (#99 of 347)
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.
77GF Score
Get the complete analysis for MSADF
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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