Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The historical rank and industry rank for MS&AD Insurance Group Holdings's Equity-to-Asset or its related term are showing as below:
MSADF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.11 Med: 0.13 Max: 0.22
Current: 0.22
During the past 13 years, the highest Equity to Asset Ratio of MS&AD Insurance Group Holdings was 0.22. The lowest was 0.11. And the median was 0.13.
MSADF's Equity-to-Asset is ranked worse than 58.27% of 508
companies
in the Insurance industry
Industry Median: 0.26
vs MSADF: 0.22
MS&AD Insurance Group Holdings (OTCPK:MSADF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
MS&AD Insurance Group Holdings Equity-to-Asset Related Terms
MS&AD Insurance Group Holdings Equity-to-Asset 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 Equity-to-Asset Chart
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's Equity-to-Asset falls into.
MS&AD Insurance Group Holdings Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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 Equity-to-Asset of 0.22 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on MS&AD Insurance Group Holdings and its competitors. This is 69% above median its historical median of 0.13. Over the past decade, MS&AD Insurance Group Holdings' Equity-to-Asset has ranged from 0.11 to 0.22. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #296 out of 508 companies in the Insurance industry, placing it in the top 58.3%.
Is MS&AD Insurance Group Holdings' Equity-to-Asset too high?
MS&AD Insurance Group Holdings' current Equity-to-Asset of 0.22 is 69% above median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.22. The Insurance industry median Equity-to-Asset is 0.26. MS&AD Insurance Group Holdings' value of 0.22 is 15.4% below this industry median. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #296 out of 508 companies in the Insurance industry, which is below the industry midpoint. 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' Equity-to-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #296 out of 508 companies for Equity-to-Asset. This places MS&AD Insurance Group Holdings in the lower half of its industry. The industry median Equity-to-Asset is 0.26. MS&AD Insurance Group Holdings' value of 0.22 is 15.4% below this benchmark. Historically, MS&AD Insurance Group Holdings' own Equity-to-Asset has ranged from 0.11 to 0.22 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MS&AD Insurance Group Holdings's current Equity-to-Asset of 0.22 is 15.4% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current Equity-to-Asset is 0.22, which is 69% above median its own 10-year median of 0.13. 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 $28.13, compared to a current price of $29.88 — trading 6.2% above its estimated fair value. The current Equity-to-Asset is 0.22, which is 69% above median its 10-year median of 0.13 and 15.4% below the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current Equity-to-Asset is 0.22 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 $29.88 is trading 6.2% above its estimated GF Value™ of $28.13.
GuruFocus considers MS&AD Insurance Group Holdings to be Fairly Valued.
Key valuation signals for MSADF:
Equity-to-Asset: 0.22 (69% above median its 10-year median of 0.13)
GF Value™: $28.13 vs. price of $29.88 (6.2% above fair value)
Industry Position: 15.4% below the Insurance median (#296 of 508)
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
Get the complete analysis for MSADF
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MSADF has been successfully added to your 
