The historical rank and industry rank for MS&AD Insurance Group Holdings's Pretax Margin % or its related term are showing as below:
MSADF'
s Pretax Margin % Range Over the Past 10 Years
Min: 0.27 Med: 5.61 Max: 14.52
Current: 14.52
MSADF's Pretax Margin % is ranked better than 58.08% of 501
companies
in the Insurance industry
Industry Median: 12.04
vs MSADF: 14.52
MS&AD Insurance Group Holdings (OTCPK:MSADF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
MS&AD Insurance Group Holdings Pretax Margin % Related Terms
MS&AD Insurance Group Holdings Pretax 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.
MS&AD Insurance Group Holdings Pretax Margin % Chart
For the Insurance - Property & Casualty subindustry, MS&AD Insurance Group Holdings's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, MS&AD Insurance Group Holdings's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where MS&AD Insurance Group Holdings's Pretax 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 (MSADF) has a Pretax Margin % of -11.28% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax 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' Pretax Margin % has ranged from 0.27 to 14.52. According to the industry distribution chart, MS&AD Insurance Group Holdings ranks #210 out of 501 companies in the Insurance industry, placing it in the top 41.9%.
Is MS&AD Insurance Group Holdings' Pretax Margin % too high?
MS&AD Insurance Group Holdings' current Pretax Margin % is -11.28%. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 14.52. Based on the distribution chart, MS&AD Insurance Group Holdings ranks #210 out of 501 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' Pretax Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, MS&AD Insurance Group Holdings ranks #210 out of 501 companies for Pretax Margin %. This puts MS&AD Insurance Group Holdings in the upper half of its industry. The industry median Pretax Margin % is 12.04. Historically, MS&AD Insurance Group Holdings' own Pretax Margin % has ranged from 0.27 to 14.52 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.04, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on MS&AD Insurance Group Holdings and its competitors. For the Insurance industry, the median Pretax Margin % is 12.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MS&AD Insurance Group Holdings's current Pretax Margin % is -11.28%. 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 $24.44, compared to a current price of $27.27 — trading 11.6% above its estimated fair value. The current Pretax Margin % is -11.28%. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For MS&AD Insurance Group Holdings (MSADF), the current Pretax Margin % is -11.28% 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 $27.27 is trading 11.6% above its estimated GF Value™ of $24.44.
GuruFocus considers MS&AD Insurance Group Holdings to be Modestly Overvalued.
Key valuation signals for MSADF:
Pretax Margin %: -11.28%
GF Value™: $24.44 vs. price of $27.27 (11.6% above fair value)
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
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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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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