MSADF (MS&AD Insurance Group Holdings) LT-Debt-to-Total-Asset: 0.03 (As of Dec. 2025)

What is MS&AD Insurance Group Holdings LT-Debt-to-Total-Asset?

MS&AD Insurance Group Holdings MSADF -7.63% 79 LT-Debt-to-Total-Asset is 0.03 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. MS&AD Insurance Group Holdings's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.03.

MS&AD Insurance Group Holdings's long-term debt to total assets ratio increased from Dec. 2024 (0.02) to Dec. 2025 (0.03). It may suggest that MS&AD Insurance Group Holdings is progressively becoming more dependent on debt to grow their business.

MS&AD Insurance Group Holdings (OTCPK:MSADF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

MS&AD Insurance Group Holdings LT-Debt-to-Total-Asset Related Terms

MS&AD Insurance Group Holdings LT-Debt-to-Total-Asset Historical Data

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The historical data trend for MS&AD Insurance Group Holdings's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

MS&AD Insurance Group Holdings Annual Data

Trend

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LT-Debt-to-Total-Asset

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0.03

0.02

0.04

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.03	0.03	0.04

79GF Score

MS&AD Insurance Group Holdings Inc MSADF

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MS&AD Insurance Group Holdings LT-Debt-to-Total-Asset Calculation

MS&AD Insurance Group Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )	/	Total Assets (A: Mar. 2026 )
	=	6291.839	/	180491.1
	=	0.03

MS&AD Insurance Group Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	5068.916	/	179466.042
	=	0.03

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.03 mean?

MS&AD Insurance Group Holdings (MSADF) has a LT-Debt-to-Total-Asset of 0.03 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on MS&AD Insurance Group Holdings and its competitors.

Is MS&AD Insurance Group Holdings' LT-Debt-to-Total-Asset too high?

MS&AD Insurance Group Holdings' current LT-Debt-to-Total-Asset is 0.03. 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' LT-Debt-to-Total-Asset compare to CB and PGR?

MS&AD Insurance Group Holdings' LT-Debt-to-Total-Asset of 0.03 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 LT-Debt-to-Total-Asset for an Insurance company?

A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on MS&AD Insurance Group Holdings and its competitors. MS&AD Insurance Group Holdings's current LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current LT-Debt-to-Total-Asset is 0.03 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:

LT-Debt-to-Total-Asset: 0.03
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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LT-Debt-to-Total-Asset 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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