MSADF (MS&AD Insurance Group Holdings) Interest Expense: $-102 Mil (TTM As of Dec. 2025)

What is MS&AD Insurance Group Holdings Interest Expense?

MS&AD Insurance Group Holdings MSADF -7.63% 79 Interest Expense is $-102 Mil 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.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. MS&AD Insurance Group Holdings's interest expense for the three months ended in Dec. 2025 was $ -26 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-102 Mil.

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. MS&AD Insurance Group Holdings's Operating Income 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. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

MS&AD Insurance Group Holdings (OTCPK:MSADF) Interest Expense Explanation

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

MS&AD Insurance Group Holdings's Interest Expense for the three months ended in Dec. 2025 was $-26 Mil. Its EBIT for the three months ended in Dec. 2025 was $1,425 Mil. And its Long-Term Debt & Capital Lease Obligation for the three months ended in Dec. 2025 was $5,069 Mil.

MS&AD Insurance Group Holdings's Interest Coverage for the quarter that ended in Dec. 2025 is calculated as

Interest Coverage	=	-1	*	EBIT (Q: Dec. 2025 )	/	Interest Expense (Q: Dec. 2025 )
	=	-1	*	1424.693	/	-25.546
	=	55.77

* 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.

The higher the ratio, the stronger the company's financial strength is.

MS&AD Insurance Group Holdings Interest Expense Historical Data

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The historical data trend for MS&AD Insurance Group Holdings's Interest Expense can be seen below:

MS&AD Insurance Group Holdings Interest Expense Chart

MS&AD Insurance Group Holdings Annual Data

Trend

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

Interest Expense

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-130.57

-77.68

-69.77

-79.05

-97.93

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
Interest Expense	Get a 7-Day Free Trial															-19.95	-22.74	-22.49	-25.55	-31.16

79GF Score

MS&AD Insurance Group Holdings Inc MSADF

Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.

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MS&AD Insurance Group Holdings Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense 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 $-102 Mil.

Frequently Asked Questions Learn more about Interest Expense →

What does a Interest Expense of $-102 Mil mean?

MS&AD Insurance Group Holdings (MSADF) has a Interest Expense of $-102 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on MS&AD Insurance Group Holdings and its competitors.

Is MS&AD Insurance Group Holdings' Interest Expense too high?

MS&AD Insurance Group Holdings' current Interest Expense is $-102 Mil. 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' Interest Expense compare to CB and PGR?

MS&AD Insurance Group Holdings' Interest Expense of $-102 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Interest Expense for an Insurance company?

A good Interest Expense depends on the Insurance industry context. However, Interest Expense 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 Interest Expense mean?

A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on MS&AD Insurance Group Holdings and its competitors. MS&AD Insurance Group Holdings's current Interest Expense is $-102 Mil. 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 $25.19 — trading 11.5% above its estimated fair value. The current Interest Expense is $-102 Mil. 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 Interest Expense calculated?

Interest Expense is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current Interest Expense is $-102 Mil 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 $25.19 is trading 11.5% above its estimated GF Value™ of $22.59. GuruFocus considers MS&AD Insurance Group Holdings to be Modestly Overvalued.

Key valuation signals for MSADF:

Interest Expense: $-102 Mil
GF Value™: $22.59 vs. price of $25.19 (11.5% above fair value)
GF Score™: 79/100 with 4 warning signs

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

Industry Financial Services Insurance

Comparable Companies TSE:8630 TSE:8715 TSE:8766 CB PGR TRV ALL HKSE:01339 HKSE:02328 TSX:IFC TSX:FFH CINF ASX:QBE WRB MKL L MIL:UNI XKRX:000810 WAR:PZU OSL:GJF

Other Exchanges MSADY:USA 8725:Japan 59M:Germany

Address Yaesu First Financial Building, Yaesu 1-3-7, Chuo-ku, Tokyo, JPN, 103-0028

Website http://www.ms-ad-hd.com

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

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Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.19

Price

$22.59

GF Value

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