MSADF (MS&AD Insurance Group Holdings) EPS without NRI: $3.73 (TTM As of Dec. 2025)


MSADF MS&AD Insurance Group Holdings Inc MSADF
79 GF Score
Price $27.72
GF Value $22.59
Valuation Modestly Overvalued
! 4 Warning Signs
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What is MS&AD Insurance Group Holdings EPS without NRI?

MS&AD Insurance Group Holdings MSADF +10.04% 79 EPS without NRI is $3.73 as of Dec. 2025. GuruFocus rates MSADF with a GF Score™ of 79/100 and a GF Value™ of $22.59 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 403 Insurance companies, MS&AD Insurance Group Holdings ranks better than 96.28% on this metric.

MS&AD Insurance Group Holdings's earnings per share without non-recurring items for the three months ended in Dec. 2025 was $0.75. Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was $3.73.

During the past 12 months, MS&AD Insurance Group Holdings's average earnings per share (NRI) Growth Rate was 26.20% per year. During the past 3 years, the average earnings per share (NRI) Growth Rate was 139.30% per year. During the past 5 years, the average earnings per share (NRI) Growth Rate was 50.30% per year. During the past 10 years, the average earnings per share (NRI) Growth Rate was 14.20% 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 EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.

The historical rank and industry rank for MS&AD Insurance Group Holdings's EPS without NRI or its related term are showing as below:

MSADF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -152.4   Med: 12.9   Max: 139.3
Current: 139.3

During the past 13 years, MS&AD Insurance Group Holdings's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 139.30% per year. The lowest was -152.40% per year. And the median was 12.90% per year.

MSADF's 3-Year EPS without NRI Growth Rate is ranked better than
96.28% of 403 companies
in the Insurance industry
Industry Median: 16.3 vs MSADF: 139.30

MS&AD Insurance Group Holdings's EPS (Diluted) for the three months ended in Dec. 2025 was $0.72. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $3.52.

MS&AD Insurance Group Holdings's EPS (Basic) for the three months ended in Dec. 2025 was $0.72. Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $3.52.


MS&AD Insurance Group Holdings  (OTCPK:MSADF) EPS without NRI Explanation

EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.


Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.


MS&AD Insurance Group Holdings EPS without NRI Related Terms


MS&AD Insurance Group Holdings EPS without NRI Historical Data

* Premium members only.

The historical data trend for MS&AD Insurance Group Holdings's EPS without NRI 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 EPS without NRI Chart

MS&AD Insurance Group Holdings Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EPS without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.33 0.31 1.39 2.99 3.55

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
EPS without NRI 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 0.31 0.98 1.24 0.75 0.76

MSADF vs CB, PGR, TRV: EPS without NRI Comparison

For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Insurance Industry

For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where MS&AD Insurance Group Holdings's PE Ratio without NRI falls into.


MSADF
79GF Score
MS&AD Insurance Group Holdings Inc MSADF
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
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MS&AD Insurance Group Holdings EPS without NRI Calculation

Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.

EPS without NRI 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 $3.73

* 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 EPS without NRI →
What does a EPS without NRI of $3.73 mean?
MS&AD Insurance Group Holdings (MSADF) has a EPS without NRI of $3.73 as of Dec. 2025. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on MS&AD Insurance Group Holdings and its competitors. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #15 out of 403 companies in the Insurance industry, placing it in the top 3.7%.
Is MS&AD Insurance Group Holdings' EPS without NRI too high?
MS&AD Insurance Group Holdings' current EPS without NRI is $3.73. The Insurance industry median EPS without NRI is 16.30. MS&AD Insurance Group Holdings' value of $3.73 is 77.1% below this industry median. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #15 out of 403 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 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' EPS without NRI compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #15 out of 403 companies for EPS without NRI. This places MS&AD Insurance Group Holdings in the top 4% of its industry — outperforming the majority of peers. The industry median EPS without NRI is 16.30. MS&AD Insurance Group Holdings' value of $3.73 is 77.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for an Insurance company?
The median EPS without NRI among Insurance companies is 16.30, based on 403 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MS&AD Insurance Group Holdings's current EPS without NRI of $3.73 is 77.1% 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median EPS without NRI is 16.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current EPS without NRI is $3.73. 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 Modestly Overvalued. The stock's GF Value™ is $22.59, compared to a current price of $27.72 — trading 22.7% above its estimated fair value. The current EPS without NRI is $3.73 and 77.1% below the Insurance industry median of 16.30. MS&AD Insurance Group Holdings' overall GF Score™ is 79/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current EPS without NRI is $3.73 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 (MSADF) Overvalued in 2026?

Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be overvalued. The current stock price of $27.72 is trading 22.7% above its estimated GF Value™ of $22.59. GuruFocus considers MS&AD Insurance Group Holdings to be Modestly Overvalued.

Key valuation signals for MSADF:

  • EPS without NRI: $3.73
  • GF Value™: $22.59 vs. price of $27.72 (22.7% above fair value)
  • GF Score™: 79/100 with 4 warning signs
  • Industry Position: 77.1% below the Insurance median (#15 of 403)

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

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.
79GF Score

Get the complete analysis for MSADF

EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.72
Price
$22.59
GF Value