MSADF (MS&AD Insurance Group Holdings) Moat Score: 5/10 (As of Jun. 26, 2026)


MSADF MS&AD Insurance Group Holdings Inc MSADF
78 GF Score
Price $25.19
GF Value $24.39
Valuation Fairly Valued
! 4 Warning Signs
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What is MS&AD Insurance Group Holdings Moat Score?

MS&AD Insurance Group Holdings MSADF -7.63% 78 Moat Score is 5 as of Jun. 26, 2026. GuruFocus rates MSADF with a GF Score™ of 78/100 and a GF Value™ of $24.39 (Fairly Valued). The stock has 4 warning signs investors should review. Among 596 Insurance companies, MS&AD Insurance Group Holdings ranks better than 88.76% on this metric.

MS&AD Insurance Group Holdings has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

MS&AD Insurance Group Holdings has Narrow Moat: MS&AD Insurance Group has a solid narrow moat due to its strong brand and market position in the insurance industry. It benefits from customer loyalty and regulatory barriers, but faces intense competition and lacks significant cost advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes MS&AD Insurance Group Holdings might have Narrow Moat - Solid narrow moat.

MS&AD Insurance Group Holdings  (OTCPK:MSADF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

MS&AD Insurance Group Holdings Moat Score Related Terms

MSADF vs CB, PGR, TRV: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where MS&AD Insurance Group Holdings's Moat Score falls into.


MSADF
78GF Score
MS&AD Insurance Group Holdings Inc MSADF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
MS&AD Insurance Group Holdings (MSADF) has a Moat Score of 5 as of Jun. 26, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #67 out of 596 companies in the Insurance industry, placing it in the top 11.2%.
Is MS&AD Insurance Group Holdings' Moat Score too high?
MS&AD Insurance Group Holdings' current Moat Score is 5. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #67 out of 596 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MS&AD Insurance Group Holdings' Moat Score compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #67 out of 596 companies for Moat Score. This places MS&AD Insurance Group Holdings in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. MS&AD Insurance Group Holdings's current Moat Score is 5. 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 $24.39, compared to a current price of $25.19 — trading 3.3% above its estimated fair value. The current Moat Score is 5. MS&AD Insurance Group Holdings' overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current Moat Score is 5 as of Jun. 26, 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 $25.19 is trading 3.3% above its estimated GF Value™ of $24.39. GuruFocus considers MS&AD Insurance Group Holdings to be Fairly Valued.

Key valuation signals for MSADF:

  • Moat Score: 5
  • GF Value™: $24.39 vs. price of $25.19 (3.3% above fair value)
  • GF Score™: 78/100 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

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.
78GF Score

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

$25.19
Price
$24.39
GF Value