MS&AD Insurance Group HoldingsMSADY -4.75%78 Interest Coverage is 55.77 as of Dec. 2025, which is 94% above its 10-year median of 28.77. GuruFocus rates MSADY with a GF Score™ of 78/100 and a GF Value™ of $23.57 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 351 Insurance companies, MS&AD Insurance Group Holdings ranks better than 76.07% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. MS&AD Insurance Group Holdings's
EBIT
for the
three
months ended in Dec. 2025 was $1,425 Mil. MS&AD Insurance Group Holdings's Interest Expense for the
three
months ended in Dec. 2025 was $-26 Mil.
MS&AD Insurance Group Holdings's interest coverage for the quarter that ended in Dec. 2025 was 55.77.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for MS&AD Insurance Group Holdings's Interest Coverage or its related term are showing as below:
MSADY'
s Interest Coverage Range Over the Past 10 Years
Min: 1.94 Med: 28.77 Max: 78.01
Current: 68.72
MSADY's Interest Coverage is ranked better than 76.07% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs MSADY: 68.72
MS&AD Insurance Group Holdings (OTCPK:MSADY) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
MS&AD Insurance Group Holdings Interest Coverage Related Terms
MS&AD Insurance Group Holdings Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
MS&AD Insurance Group Holdings Interest Coverage Chart
MSADY vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's Interest Coverage falls into.
MS&AD Insurance Group Holdings Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (MSADY) has a Interest Coverage of 55.77 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on MS&AD Insurance Group Holdings and its competitors. This is 94% above median its historical median of 28.77. Over the past decade, MS&AD Insurance Group Holdings' Interest Coverage has ranged from 1.94 to 78.01. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #84 out of 351 companies in the Insurance industry, placing it in the top 23.9%.
Is MS&AD Insurance Group Holdings' Interest Coverage too high?
MS&AD Insurance Group Holdings' current Interest Coverage of 55.77 is 94% above median its 10-year median of 28.77. Over the past 10 years, this metric has ranged from a low of 1.94 to a high of 78.01. The Insurance industry median Interest Coverage is 16.23. MS&AD Insurance Group Holdings' value of 55.77 is 243.6% above this industry median. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #84 out of 351 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 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #84 out of 351 companies for Interest Coverage. This places MS&AD Insurance Group Holdings in the top 24% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.23. MS&AD Insurance Group Holdings' value of 55.77 is 243.6% above this benchmark. Historically, MS&AD Insurance Group Holdings' own Interest Coverage has ranged from 1.94 to 78.01 over the past decade. While the company's 10-year median is 28.77 vs. the industry median of 16.23, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MS&AD Insurance Group Holdings's current Interest Coverage of 55.77 is 243.6% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current Interest Coverage is 55.77, which is 94% above median its own 10-year median of 28.77. 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 (MSADY) is currently considered Modestly Overvalued. The stock's GF Value™ is $23.57, compared to a current price of $26.26 — trading 11.4% above its estimated fair value. The current Interest Coverage is 55.77, which is 94% above median its 10-year median of 28.77 and 243.6% above the Insurance industry median of 16.23. MS&AD Insurance Group Holdings' overall GF Score™ is 78/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADY), the current Interest Coverage is 55.77 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 (MSADY) Overvalued in 2026?
Based on GuruFocus' analysis, MS&AD Insurance Group Holdings stock appears to be overvalued.
The current stock price of $26.26 is trading 11.4% above its estimated GF Value™ of $23.57.
GuruFocus considers MS&AD Insurance Group Holdings to be Modestly Overvalued.
Key valuation signals for MSADY:
Interest Coverage: 55.77 (94% above median its 10-year median of 28.77)
GF Value™: $23.57 vs. price of $26.26 (11.4% above fair value)
Industry Position: 243.6% above the Insurance median (#84 of 351)
No single metric tells the full story. See the MSADY 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.
78GF Score
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