The historical rank and industry rank for MS&AD Insurance Group Holdings's Net Margin % or its related term are showing as below:
MSADY'
s Net Margin % Range Over the Past 10 Years
Min: 2.99 Med: 4.08 Max: 10.9
Current: 10.87
MSADY's Net Margin % is ranked better than 57.26% of 503
companies
in the Insurance industry
Industry Median: 9.29
vs MSADY: 10.87
MS&AD Insurance Group Holdings (OTCPK:MSADY) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
MS&AD Insurance Group Holdings Net Margin % Related Terms
MS&AD Insurance Group Holdings Net Margin % 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.
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's Net Margin % falls into.
* 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 Net Margin % of -8.56% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on MS&AD Insurance Group Holdings and its competitors. Over the past decade, MS&AD Insurance Group Holdings' Net Margin % has ranged from 2.99 to 10.90. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #215 out of 503 companies in the Insurance industry, placing it in the top 42.7%.
Is MS&AD Insurance Group Holdings' Net Margin % too high?
MS&AD Insurance Group Holdings' current Net Margin % is -8.56%. Over the past 10 years, this metric has ranged from a low of 2.99 to a high of 10.90. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #215 out of 503 companies in the Insurance industry, which is above the industry midpoint. 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' Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #215 out of 503 companies for Net Margin %. This puts MS&AD Insurance Group Holdings in the upper half of its industry. The industry median Net Margin % is 9.29. Historically, MS&AD Insurance Group Holdings' own Net Margin % has ranged from 2.99 to 10.90 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current Net Margin % is -8.56%. 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 $24.46, compared to a current price of $27.57 — trading 12.7% above its estimated fair value. The current Net Margin % is -8.56%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADY), the current Net Margin % is -8.56% 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 $27.57 is trading 12.7% above its estimated GF Value™ of $24.46.
GuruFocus considers MS&AD Insurance Group Holdings to be Modestly Overvalued.
Key valuation signals for MSADY:
Net Margin %: -8.56%
GF Value™: $24.46 vs. price of $27.57 (12.7% above fair value)
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
Get the complete analysis for MSADY
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